Sunday, September 23, 2012

Monday September 24 Housing and Economic stories



TOP STORIES:

Mortgage debt relief may bring new pain: a tax bill - (www.latimes.com) A special exemption on principal reduction and other aid from banks, in place since 2007, is set to expire at year's end. Some lawmakers are seeking an extension. Struggling homeowners who obtain reductions in their mortgage debt face a new obstacle starting next year — a bill for taxes on that aid.  A special exemption of as much as $2 million per household in principal reduction and other aid from banks, in place since 2007, is set to expire at year's end.  It is one of a number of similarly expiring tax provisions — most notably the President George W. Bush-era tax cuts — and the large automatic government spending reductions looming at the same time that are referred to as the fiscal cliff. Housing advocates and lawmakers are worried that the exemption will disappear just as thousands of homeowners are receiving large amounts of mortgage debt relief from the nation's five largest banks as part of a national settlement of foreclosure abuse investigations.

German media warns unlimited ECB aid could ruin euro - (www.reuters.com) Germany's conservative newspapers on Friday accused ECB chief Mario Draghi of writing a "blank cheque" to troubled euro zone states that could put the entire currency at risk, with top-selling Bild warning his policies could make the euro "kaputt". The Italian president of the European Central Bank unveiled a new plan on Thursday to lower the borrowing costs of euro zone states like Spain and Italy by buying their bonds. Germany's central bank opposes the ECB's move. Chancellor Angela Merkel has supported Draghi while insisting Bundesbank chief Jens Weidmann's public criticism of the bond-buying has been useful too. For the country's conservative newspapers, many of which have taken an increasingly euro-sceptic stance as the three-year-old euro zone debt crisis wears on, Draghi's latest measures went too far.

Economist Sinn Rattles Merkel Laboring to Save Euro - (www.bloomberg.com)  Dressed in his customary gray three- piece suit at a conference in Frankfurt on June 15, Hans-Werner Sinn folds his hands and listens without expression as a series of speakers criticize his economic theories. Willem Buiter, chief economist at Citigroup Inc., goes so far as to decry them as “nonsense.” Taking his turn at the microphone shortly afterward, the 64-year-old president of the Munich-based Ifo Institute for Economic Research says he regrets it when investment bankers such as Buiter “lose their composure.” He then lays out once more his argument that Germany is paying more than it thinks for Greece’s fiscal recklessness and that the struggling southern European nation should long ago have left the euro zone, Bloomberg Markets magazine reports in its October special issue on the 50 Most Influential people in global finance.

Mario Draghi promised a bazooka but produces a pea-shooter - (www.telegraph.co.uk) Mario Draghi has promised to do whatever it takes to save the euro. Was the bond-buying initiative the European Central Bank president announced today enough, as he claimed, to "backstop" European monetary union? If, like me, you have come to see the single currency as unsustainable in its present form, both politically and economically, then plainly not. But, as with previous ECB initiatives, Mr Draghi has at least managed to buy a bit more time. The endgame has been pushed further, possibly quite a lot further, into the future. Markets responded accordingly. Without the conditional bond-buying programme agreed by the ECB governing council today, the show would certainly have been over by Christmas, with either Spain or Italy blowing it up in frustration. We can forget poor little Greece, which in its pride still manfully soldiers on with a project which condemns the country to permanent depression. Whether it leaves or stays no longer makes much difference to anyone else. Most of the preparation for its exit has already been done.

Forget four years ago: We're worse off than in 2011 - (www.money.cnn.com) The problem is it's unlikely we will get to that magic number anytime soon. Compared to where we were a year ago, the economy is headed in the wrong direction. Here's the trend: Over the past six months, the economy has added an average of 97,000 jobs a month. At this time a year ago, the six-month average was 136,000, meaning the economy was growing 40% faster than it is today. For the whole year, the economy has added an average of 139,000 jobs a month. That's better, but still worse than a year ago when that figure was 143,000. What's more, those numbers come from the survey of employers. When the Labor Department asks individuals about their employment status, the situation looks a good deal worse. According to that survey, which many say does a better job of capturing new businesses and the self-employed, six-month average employment gains drop to a measly 6,000 jobs, or nearly one-sixth fewer than we were adding a year ago.






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