テンプル大学ジャパンキャンパス

In the late 1990s, Bill Clinton passed a law saying lenders Fannie May and Freddie Mac had to start giving out more loans to people who wanted to own a home but were not quite as qualified as other people. These are "Sub-prime" loans.

In... I think 2004, the SEC moved the leverage limit from 12x to 40x. This created insane amounts of leverage.

When these sub-prime mortgage's rates increased financiers got driven into the ground by leverage...
Late 1990s was president Clinton
2004 was president Bush

Right now it is an election in America. Republicans say it is Clinton's fault. Democrats say it was Bush's fault. The truth is it was both people's fault.

Today, oil went down to $125 per barrel. Then back up to $130.72 Joon believes oil will begin to go back down, however, I believe we will see it hit $140 per barrel in the next 2 months. Joon says our portfolio is directly influenced by raising oil prices (the more oil rises, the more our portfolio rises.) But look at our portfolio, it is only a few companies that rise with oil prices. The other stocks go down. I believe that if oil goes down, our other stocks will go up creating balance in our portfolio. Warren Buffet says, "you must have patients," so my advice is, "let's wait and see."

Oil prices have SOARED in the past month! Futures are now over $135. Just 2 years ago oil prices were $72 per barrel. We kept debating whether to cash the portfolio out. Take our gains and watch from the side-line. But we kept leaving it there. We wanted to see how our portfolio would react to oil prices and it seems the more expensive oil becomes, the more valuable our portfolio becomes. I honestly believe our portfolio has inflated beyond what it is really worth and I am waiting to see when the bubble will pop. Right now we own 5 stocks with +10% return. This is not bad. I expected about 33% of our portfolio to soar and the rest of it to just stay within 5% of the price at which we bought it (whether it be positive or negative.) Anyways, please take a look for yourself at our over inflated stock. I want you to determine for yourself if you think the increases honestly have value or if it is just hot air in a balloon waiting to pop.

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