The domino effect may lead to global recession.

Economic crisis in the United States was effecting to whole economics in the world. This crisis started from housing market in August 2007. Almost homeowners with High-risk loans were not paying back to the banks. When home prices fell under home's worth, then homeowners could not sell their home to pay loans. Banks foreclosured homes to fell payments. During August 2007 to October 2008, banks were foreclosure 936,439 homes. This was cause of financial crisis.
First, big two mortgage company are Fannie Mae and Freddie Mac with total worth mortgages $ 5,000 billion were close to collapse. Government was helping $ 200 billion to keep healthy. Next, Bearsteam sold off. In September 15, Lehman Brothers collapsed, Merrill Lynch sold with cheap price. Financial market was starting crisis. Financial market lost 22 banks in 2008, 171 banks may be bankruptcy. Wall Street was destroying terrible. Second, financial crisis was effecting some area of economy. To keep healthy, banks have tighter rules for lending money. That mean business have a harder time borrowing, and they were starting to cut down business. Consumers not easy to brow money from the banks, and they were spending less than before. Even, the banks decreased for lend each other. This was making economy slow down and starting recession. Notice of the U.S National Bureau of Economic Research; " U.S has been recession since December 2007". Unemployment rate in 2008 soared 6.7%, in September lost 159,000 jobs, October lost 240,000 jobs, and in November labor market lost 533,000 jobs. Total in 2008 unemployment is over 1.9 million. The banks decreased for lending consumers was cause consumers credit dropped $ 3.6 billion in October. Federal reserve says "borrowing by consumers fell 1.6% in the month". Also, businesses were very hard to loans and they were cutting down, in August news factory oders dropped 4%, that was the biggest drop in two years.
Recently, Automakers market effected of crisis. Big three are General Motor - Ford - Chrystal were very hardly to maintaining business. Automakers were pleading Congress past the law $ 34 billion bailout loans in order to avoid bankruptcy. The domino effect of financial crisis was covering whole economy. The economy work weakly, unemployment rate soared, this is cause making housing market more worse.
Most important, economic crisis made in the U.S was domino effect to global recession. Some big financial central in the world entered crisis. Government of 27 countries in Europe were cutting rate lending. ECB was cut down rate from 3.25% to 2.5%, this is cut down the biggest in 10 years. Together ECB, Bank of England(BoE) was cutting rate from 3% to 2%, this is rate the lowest from 1951. Bank of Swissland was cutting rate from 2.75% to 2%. Recently, Russia stopped trading for two days, and Russia's government planned billions to help stock market and bank system. In the third quarter, Australia grow slowly rate 0.1%. In the Asia, Japan is the world's second largest economy was slow down in the third quarter 0.1%. Some countries like Korea- Singapo - twain were domino effect crisis. China is a country has saving over $ 2,000 billion in 2008 starting grow slow, China's government was cut down rate three times a month. Also China's government planning $600 billion to help maintaining grow economy.
How was U.S government resolving economic crisis? October 4, Congress was past the law $ 700 billion to helping financial market. Government helped Fannie Mae and Freddie Mac $ 200 billion. FED planned $ 800 billion to maintaining and stimulus consumers. The government declared program $ 300 billion to help mortgages 30 years. To help businesses, government cut tax $ 68 billion. Also president-elect Obama was planning $ 500-$ 700 billion to stimulus economy and 2.5 million jobs in two years.
What will happen in 2009? Economy picture will more worse, unemployment rate will higher, home prices will fall down more. Oil price will under $ 30 a barrel. Economy in the U.S will grow up in first quarter 2010.
How long will the recession last? "The prediction about this recession lasting through mid 2009" Anthony Karydakis said. He is a former chief U.S economy for JP. Morgan asset management and currentcy an adjunct professional at New York University's stern school of business.

When is a person considered an adult?

A person considered an adult depend cultures and rules of different countries in the world. A person is an adult when that person enough ages to work,to have GED, to marry, to get drive's license, to vote, to be a military service, and enough ages to underrest by law if a person crime. Almost countries in the world set minimum ages is 18 years old.
I think a person is an adult in fact a person can control himself or herself. There are alot of person working at ages 13 - 16 years old. A lot of person get marry before 18 years old ( in Yemen 64% girls are married before 18, and Bangladesh 81% girls are married before 18). If in the United States a person will be vote at 18 years old , but in the Germany and Austria allow 16 years old to vote, and in the Liechtenstain only voters enough 30 years old. Some countries like Spain, Germany, France, Austria set law to drink at 16 years old, while in the United States allowed drink alcohol at ages 21.
So a person considered an adult depend country where is a person living. But with me ,you are an adult if you are own yourself, it doesn't matter how old you are.

A TRAGIC OF FAMILY AND MOTHER'S FEELING OF AGONY.

Setember 12, 2008, chief justice of HO CHI MINH city, Vietnam was judged throughout the life murder Pham Van Binh. The victim is murderer's father.
Murderer Pham Van Binh and his mother declaled victim often reviled,and hit wife, sons an daughter. Binh and his sibling never had any day happy from childhood. His father spent almost money earned for wine and had a debauch. His father was drunkenness. His father never took care family.
Binh and his sibling very sad and hopelessly. He and his young brother were had drug, and their blood had HIV. The mother was feeling of agony about her sons and her family, the mother tried to save them. She worked hard and tired, she needed helps from her husband. But her husband didn't help, also he was reviled her very much.
November 19, 2008, Binh hold a scissors in his hand. He cut silk for his young sister made hats. At that time, the mother openned medicine treat HIV for Binh and his young brother, but the medicine was empty. The mother hurried took motorcycle, she wanted went to medicine HIV center. The father saw the mother and reviled her. The mother upseted and louded with the father. The father stood up and run after the mother and hit her. Binh run after his father, he kept his father away from his mother. The father was hit both . While everyone hustled each other, Binh already had a scissors in his hand and he stuck alot of scissors in his father's body. The father fall down. Someone helped the father went to hospital, but the father died.
Judge was closed, but the mother's feeling of agony and murder of the son killed father never close. Everybody was feeling pity for Binh's tragic of family.

How dangers of a financial crisis 2008.

Since August 2007, price of housing market grew up at top, and housing market bubble popped. House's price started fall down. Mortgage financial market affected so bad from there. First, investment bank Bear Steam was bankrupt and sold off in March 2008. Next , September 15, 2008 Lehman Brothers bank was collapsed, and Merrill Lynch bank was sold off. After that a lot the banks were bankrupt and sold off ( Washington Mutual bank, Wachovia bank...). Financial crisis 2008, bank's system in the United States ( count to Nov 09, 2008) lost 19 banks. Wall Street was detroy in very short time.
Financial crisis was lay off thousands workers in the banks. Also the money in economic slow down, contract between lenders and borrowers was not easy. Production and consume in the economic was slow down. It was lay off more thousands employees. In Oct 2008, labor market lost 240,000 jobs. Financial crisis was cause a lot of companies bankrupt and closed. Recently, a big company Circus City was bankrupt, and vehecle industry was very closing collapse.
Come back with housing market, it's cause of financial crisis. In Oct 2008, the houses were foreclosure 84,864 homes. If count from Aug 2007 to Oct 2008, the housing market total 936,439 homes have been lost to foreclosure.
Before situation tornado financial crisis, how government and banks system were responding?
Oct 04, 2008, congress was past and president Bush was signed the law budget $ 700 billion help financial market. Government will buy bad mortgages of the banks, this is helping the banks enough money in market, and maintaining economic grow.
Nov 11,2008, the Federal Housing Financial Agency with two big companies Fanie Mae and Freddie Mac unveiled a new program to help eligible borrowers to keep their homes by lowering monthly payments to 38% of gross household income.
Citigroup bank announced help 130,000 borrowers.
Indy Mac bank will help 40,000 homeowners.
Bank of America can rescue 630,000 homes.
JpMogan Chase expects to help 400,000 families.
Nov 12, 2008, secretary Henry Paulson announced use $ 250 billion in budget $ 700 billion to help lend banks system.
Financial crisis was not only in the United States. It was affected whole the world. Some big economics of countries like Iceland, England, French, German, Russia, Japan, Korea, and now China ( a country has $ 1900billion saving ) were crisising. The world understood wants stop tornado financial crisis need contract all countries in the world( special some big economics).
December 2008, twenty big economics of countries ( G 20) in the world will metting at Washington DC. This metting wish the world will stop financial crisis.

Describe how to use a search engine to explore a topic on the world wide web.

Today, people are using internet to look up information over all the world. People can search everything with full detail information. People can read news; study on line; get directions; shopes online; intertainments etc...It's world wide web (WWW).
How to use a search engine to explore a topic on the WWW. In home page of internet services are allway showing " Web search". We just type web site address and click "web search".
Also, if we don't know web site address, we can type letters mean close with topic we need find and click "web search". Web page will show a list of web site close with topic we need find. We'll search a topic in this list of web site.

What do you need to do to get a drive's license ?

Drive's license is very important with everyone in the United States. Drive's license is your I.D number, it's almost show up your personal information like; your full name, birthday, sex, how tall, how weight, and your curent address. Also, drive's license let you drive the car. In the United States almost people drive the car to go to work, to school, and travel. So, drive's license is essential for your life everyday.
Have you gotten drive's license in the United States yet? If you haven't gotten yet, do you know what do you need to do to get a drive's license?
There is some steps you need to process to get your drive's license; If you are under 18 years old, you'll need your parents co-sign.
If you are enought 18 years old and over, you'll need to go to MVA ( Motorcycle Vehicle Administration ). You ask some information about your application. MVA's employee will tell you things you need to prepare.
Then, you need to go to drive's school. You will take 30 hours in classroom and 30 hours drive in the routes.
After you finished 60 hours in drive's school, you'll take a test in computer at MVA. After you pasted in computer, you'll take a test drive skills.
And you don't need wait so long after pasted a test drive skills. MVA's employee, just only 15 minutes take your picture and give you drive's license.
I hop you get your drive's license soon. Good luck!

What do you need to do to get a drive's license ?