Tuesday, June 11, 2013

Wednesday June 12 Housing and Economic stories


TOP STORIES:

Special Report: The deeper agenda behind "Abenomics" - (www.reuters.com) When ill health and political gridlock forced Shinzo Abe to quit after one dismal year as Japan's prime minister, his pride was dented and his self-confidence battered. One thing, however, was intact: his commitment to a controversial conservative agenda centered on rewriting Japan's constitution. Conservatives see the 1947 pacifist charter, never once altered, as embodying a liberal social order imposed by the U.S. Occupation after Japan's defeat in World War Two. "What worries me most now is that because of my resigning, the conservative ideals that the Abe administration raised will fade," Abe wrote in the magazine Bungei Shunju after abruptly quitting in September 2007. "From now on, I want to sacrifice myself as one lawmaker to make true conservatism take root in Japan." Less than six years after his humiliating departure, Abe, 58, is back in office for a rare second term. He is riding a wave of popularity spurred mainly by voters' hopes that his prescription for fixing the economy will end two decades of stagnation. The policy, known as "Abenomics", is a mix of monetary easing, stimulative spending and growth-inducing steps including deregulation in sectors such as energy.

Veteran fears 'beginning of the end' for Japan as bond market buckles - (www.telegraph.co.uk) Global markets face a witches’ brew of new risks as Japan’s monetary adventure wobbles, China slows further and the US Fed prepares to shut the spigot of dollar liquidity. Yields on 10-year Japanese bonds (JGBs) have doubled in a month and spiked dramatically to 1pc on Thursday, triggering a 7.3pc crash in the Nikkei stock index. It was the biggest one-day fall since the tsunami two years ago, comparable with wild moves seen at the height of the Asian crisis in 1998. The contagion effect set off a retreat from stocks across the world, though Wall Street later pared losses. The iTraxx Crossover or “fear gauge” for corporate bonds jumped 25 points to 392. The Bank of Japan (BoJ) intervened with $20bn (£13bn) to drive down yields again but the failure to ensure an orderly debt market has started to rattle investors. Banks, pension funds and insurers appear to be dumping JGBs for fear of being caught on the wrong side of a bond rout.

Fannie Mae Winning at the Alamo Prompts Lender Angst - (www.bloomberg.com) Fannie Mae (FNMA) is snatching potential profits away from mortgage lenders as it posts record earnings that are fueling industry concern the government-backed company is regaining its swagger even as lawmakers plot its demise. The company has ramped up its purchases of home loans from lenders for cash, in the process cutting out originatorsfrom the more profitable business of creating and selling bonds backed by the debt. About 31 percent of the $305 billion in new Fannie Mae-guaranteed securities in the first four months of this year were tied to so-called cash window purchases, almost triple the share in early 2011, according to data compiled by Bloomberg and JPMorgan Chase & Co. (JPM)analysts’ estimates. The shift is morphing Fannie Mae into more of a middleman between homeowners and the bond market, a role typically played by originators or the larger banks that buy their loans such as JPMorgan and Wells Fargo & Co. (WFC) 

Analysis: Markets face rough summer ride as Fed pullback feared - (www.reuters.com) For the past few months, the Federal Reserve has been squarely in the financial markets' corner, thanks to its massive dollops of monetary stimulus. But signs that the central bank is discussing reducing that support by purchasing fewer bonds mean that trading is likely to get bumpier in coming months. The Fed's evolving stance was made apparent by Federal Reserve chairman Ben Bernanke's remarks to Congress Wednesday, where he laid out the conditions that might cause the Fed to reduce its $85 billion a month buying of Treasuries and mortgage-backed bonds.

Necessary deleveraging and a lack of HELOC abuse is keeping the economy down - (www.ochousingnews.com)  In the short term, a lack of consumer spending is keeping the economy down. Of course, everyone looking for a quick fix decries the lack of consumer spending and blames the consumer for our woes. It isn’t the consumer’s fault they were given too much debt during the housing bubble. All this excess debt is causing consumers to delverage. Some are succumbing to their debts and declaring bankruptcy to get a fresh start. Some are walking away from their mortgage obligations and waiting for their lender to put them out of their homes — and their debts. Some are dutifully paying off the excesses of the credit orgy of the 00s. The first two groups, the ones that declared bankruptcy or strategically defaulted, now have bad credit, and their spending power is limited to their wage income — a good thing in the long term, but a short-term drag on consumer spending. The ones that are paying off their debts are spending less because they are paying off their debts. With so many people deleveraging, people simply aren’t spending like they used to.





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