Very soon we will begin to hear of how well Christmas shopping season was for the retail stores. These numbers will be utilized in accounting mechanism to determine whether or not some retail chains will remain in business this year. As the commercial real estate market in America becomes swamped with upcoming bond renewals causing banks to worry, a new tidal wave of home foreclosures looms in the distance as well.

Alt-A mortgages and Option ARM loans will begin resetting from 2010 all the way through 2012, causing millions of homes to go into foreclosure. We are at a paradigm shift in America. A new relationship will have to emerge as America loses its middle class and possibly its automobile lifestyle.

Let me connect the dots a bit more for you. With this credit crisis it is becoming more difficult to acquire capital to begin construction of new drilling operations for oil, as well as acquire credit to maintain a business such as trucking .

This article appears in Dec 23-29, 2009.