Monday, May 20, 2013

Tuesday May 21 Housing and Economic stories


TOP STORIES:

In Europe, Growing Concern Slovenia IsNext to Need Bailout - (www.nytimes.com) Only a few years ago, Bine Kordez was feted as Slovenia’s star entrepreneur. After transforming a home-improvement chain, Merkur, into a regional giant, he drew on easy credit from state-run banks to help orchestrate a €400 million management buyout of the company, the largest in the country’s history. The rewards of success included an imposing mountainside retreat and frequent mention of his name as a possible future finance minister of this small, idyllic Alpine country. Now, though, Mr. Kordez stands convicted of forgery and abuse of office for financial dealings as Merkur struggled under a mountain of debt. “My mistake and the mistake of the banks was to vastly underestimate the risk,” Mr. Kordez, 56, said in a recent interview at his home near the picturesque town of Bled, with a view of Slovenia’s highest peak. He awaits a decision later this month on an appeal of his conviction, which could send him to prison for five years.

Bankers whisper: Spain's bailout bill could rise - (www.reuters.com) Spain's bill to bail out its banks may yet rise, some bankers and analysts fear, as a worsening economy hampers the government's early attempts to sell off nationalized lenders and threatens the "bad bank" housing their rotten property deals. Spanish banks say the worst is behind them after steep losses last year and they are now recovering - a view broadly shared by authorities such as the European Commission, backer of a 41 billion euro ($54 billion) rescue of ailing lenders. But while Madrid is on schedule with demanded industry reforms and banks are better protected against losses from a sunken real estate market, a growing number of bankers argue in private that more state funds may still be needed to help sell rescued lenders and keep "bad bank" Sareb ticking over. Sareb was used to clean the balance sheets of state-rescued banks by taking on 50.7 billion euros worth of foreclosed properties and troubled loans to real estate developers.

[ Tett] The cost of hand-to-mouth living - (www.ft.com) “We see a pronounced difference between how people are shopping today and before the recession,” the executive explained. “Consumers are living pay check by pay check, and they tend to spend accordingly. Then you have 50 million people on food stamps and that has cycles too. So for our business it has become critical to understand the cycle – when pay [and benefit] checks are arriving.” Sadly, it does not yet seem possible for outsiders (or journalists) to crunch the numbers across the entire economy. Large companies are very secretive about their big-data projects (this particular company, which produces many of America’s best-loved snacks, would not let me reveal its name). And though economists monitor macro trends in retail spending, they have not traditionally analysed micro spending swings.

Cheap money bankrolls Wall Street's bet on housing - (www.reuters.com) Michael Marchillo, a plumber, has been trying and failing for months to buy a bigger home for his family here in Sin City. He was pre-qualified by a bank for a $130,000 mortgage, which a year ago would have landed a typical three-bedroom home in the area. No more. Now, the 36-year-old says, it's hard to compete with "greedy investors" who come to the table flush with cash for quick deals. Marchillo is on to something. The once-beleaguered Las Vegas housing market has been on fire since investment firms led by Blackstone Group LP, Colony Capital and American Homes 4 Rent began buying homes here some eight months ago, backed by $8 billion in investor cash to spend nationally. These big investors and a handful of others have bought at least 55,000 single-family homes across the U.S. in the past year. In the Vegas area alone, they have accounted for at least 10 percent of the homes sold since January 2012, according to a Reuters analysis of housing transactions.

Developer sentenced for $6.9 million investment fraud - (www.centralvalleybusinesstimes.com) Sacramento-area real estate developer David Romo, 42, of Folsom, is being sent to federal prison for ten years for mail fraud related to a real estate investment scheme that defrauded investors of more than $6.9 million. According to U.S. Attorney Benjamin Wagner, Mr. Romo ran a sophisticated real-estate investment scheme involving numerous investments that obtained millions of dollars through a series of clever misrepresentations to homeowners and manipulations of the real-estate purchase process. Mr. Romo, using his companies Sycamore Ventures LLC, Smarie Investments LLC, and Groupo Immobiliare LLC, solicited individuals to fund various real estate developments, court records show. But rather than using the investor money for the intended purpose, Mr. Romo diverted the money to his own personal use and to pay unrelated, prior business expenses, Mr. Wagner says.





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