Organic Investments



The world remains an uncertain place. Although in North America we are in a period of calm with relatively strong employment there are some signs that things may be getting worse. Retail sales are falling at a pace not seen since 2009. The struggle appears to be worldwide. Americans are struggling to make their loan payments. Even car payment defaults are on the rise, and this is one of the most necessary items in most American’s lives, usually needed as transportation for work. It has been reported that seven million car loans were more than 90 days past due in the fourth quarter of last year. That is more than during the Great Recession of 2008-9 when unemployment was twice as high. This

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