Monday, June 17, 2013

Tuesday June 18 Housing and Economic stories

TOP STORIES:

Refi Madness Is Finally Running Out of Steam - (www.cnbc.com) When Fed Chairman Ben Bernanke left the door open to an early end of asset purchases, he set off a burst of activity in the markets. Stocks fell, interest rates roseand those in the mortgage business braced themselves. Sure enough, overall mortgage application activity was down 8.8 percent in the week ended May 24; within that, refinancing activity fell an even more dramatic 12.3 percent. Is the refi party over? It's certainly winding down, according to the Mortgage Bankers Association, which reported the decline in mortgage applications. "We have been expecting that refinancing volume would drop pretty sharply in the second half of 2013," said Mike Fratantoni, the MBA's vice president of research and economics. "This refinancing boom has been going since late 2008, early 2009. The best credit borrowers have been able to refinance a couple of times. As rates tick above those levels, that group of borrowers is no longer going to have an incentive to refinance."

Italy Jobless Rate Reaches 12%, 36-Year-High Amid Recession - (www.bloomberg.com) Italy’s jobless rate reached a 36-year high in April as companies didn’t hire staff amid pessimism about the outlook of an economy that’s probably in its eighth quarter of recession. Joblessness (ITMUURS) rose to 12 percent after the March reading was revised up to 11.9 percent from an initial 11.5 percent, the Rome-based national statistics office Istat said in a preliminary report today. The April rate was higher than the 11.6 percent median of seven estimates in a Bloomberg News survey. Unemployment remained above 10 percent for a 15th month and reached the highest since the data series began in the first quarter of 1977. Europe’s fourth-biggest economy will contract 1.8 percent in 2013 as weak household demand extends the longest recession in over two decades, the Organization for Economic Cooperation and Development said this week. “Employment and hours worked will continue to fall, constraining household budgets and consumption spending,” the Paris-based OECD said.

Alcoa Rating Cut to Junk by Moody’s After Aluminum Price Drop - (www.bloomberg.com) Alcoa Inc. (AA), the largest U.S. aluminum producer, had its credit rating cut to one level below investment grade by Moody’s Investors Service after the metal’s price fell amid a global oversupply. The long-term rating on Alcoa’s $8.6 billion of debt was lowered by one step to Ba1 from Baa3, Moody’s said in a statement yesterday. The outlook is stable, indicating the rating won’t be reduced again soon. “The aluminum price has been in a downward decline since reaching post-recession highs in 2011,” Moody’s said in the statement. Strength in the automotive and aerospace industries isn’t sufficient for a “significant” recovery in profitability and Alcoa won’t achieve investment-grade metrics within Moody’s rating horizon, Moody’s said. While Alcoa, based in New York, has shuttered high-cost smelting capacity, expanded profitable segments and reduced costs, aluminum prices have fallen as a result of slowing economic growth in China and rising global production. “We believe Moody’s decision is a greater reflection of macroeconomic conditions and the volatility of metal prices than a true statement of the financial and operating strength of Alcoa,” the aluminum producer said in a separate statement.

Rogue Oregon Wheat Inflames Foes of Gene-Altered Crops - (www.bloomberg.com) The discovery in an Oregon field of gene-altered wheat developed by Monsanto Co. (MON)(MON) that was not approved for sale shows a failure of oversight that safety advocates say may endanger consumers and U.S. trading relationships. Scientists said the rogue wheat was a strain tested from 1998 to 2005 by Monsanto, the world’s largest seed-maker, which withdrew its application for approval amid concern buyers would avoid crops from the U.S., the world’s biggest wheat exporter. The U.S. Department of Agriculture said yesterday it is investigating how the unapproved seeds slipped out and were growing nine years after St. Louis-based Monsanto ended its wheat program. The discovery prompted Japan to suspend imports of western-white wheat and feed wheat. Other overseas buyers may follow suit, according to critics including the Union of Concerned Scientists and the Center for Food Safety. “This will have an impact worldwide, because our trading partners do not want genetically modified wheat,” Michael Hansen, senior scientist at Consumers Union in New York, said in an interview. “This crop may be safe to eat, or it may not be. We don’t know because we haven’t done the proper scrutiny.”

Americans have rebuilt less than half of wealth lost to the recession - (www.washingtonpost.com) American households have rebuilt less than half of the wealth lost during the recession, leaving them without the spending power to fuel a robust economic recovery, according to a new analysis from the Federal Reserve. From the peak of the boom to the bottom of the bust, households watched a total of $16 trillion in wealth disappear amid sinking stock prices and the rubble of the real estate market. Since then, Americans have only been able to recapture 45 percent of that amount on average, after adjusting for inflation and population growth, according to the report from the St. Louis Fed released Thursday. In addition, the report showed most of the improvement was due to gains in the stock market, which primarily benefit wealthy families. That means the recovery for other households has been even weaker.





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