Monday, October 28, 2013

Tuesday October 29 Housing and Economic stories

TOP STORIES:

Mainstream Media Finally Catches on to Disability Fraud: 60 Minutes Reports on "Disability USA"  - (Mish at globaleconomicanalysis.blogspot.com) At long last, mainstream media is giving play to widespread disability fraud running rampant in the US. Steve Kroft on 60 Minutes reports on the alarming state of the federal disability program, which has exploded in size in the last six years and could become the first federal benefits program to run out of money. The video is about 14 minutes long. Kroft interviews senator Tom Coburn of Oklahoma. Kroft also attempts to interview a couple of law firms that make the most off of putting people on disability for a fee. One firm has a perfect track record, where every disability case was approved. Coburn selected cases at random and found 25% of the cases were fraudulent and another 20% were "highly questionable". The "system is being gamed pretty big right now", said Coburn. "You need look no further than disability lawyers trolling for new clients." The 60 Minute report names the firms, and they are under investigation. None of them would talk to 60 Minutes, citing legal advice.

Health insurance shoppers suffer sticker shock - (www.sfgate.com) Shelly Ross of San Francisco was looking forward to the opening of the new health insurance marketplaces under the Affordable Care Act because she was hoping to get a better deal. But now that she's seen her options, Ross is disappointed. Turns out she earns slightly too much money to qualify for federal financial aid to help her buy coverage in the state's exchange, called Covered California. And because policies have to be upgraded to comply with the new law, her rates are going up nearly 10 percent. "Every plan is going to cost more than what I pay now. And what I pay now is ridiculous," said Ross, 47, who owns a cat-sitting business called Tales of the Kitty and pays more than $400 a month for her insurance. "It's a great thing for some people, but it's certainly not helping me." Ross is among the millions of Americans who buy coverage on their own, but must find new coverage because the health law has rendered their current policies outdated. But Ross, like many others, is not finding the plans sold through the Affordable Care Act to be particularly affordable.

JPMorgan’s Dimon Posts First Loss on $7.2 Billion Legal Cost - (www.bloomberg.com) JPMorgan Chase & Co. reported its first loss under Chief Executive Officer Jamie Dimon after taking a $7.2 billion charge to cover the cost of mounting litigation and regulatory probes. The third-quarter loss was $380 million, or 17 cents a share, compared with a profit of $5.71 billion, or $1.40, a year earlier, the New York-based company said today in a statement. The last time the bank failed to report a profit was the second quarter of 2004, when William Harrison was CEO. “Over the last few weeks the environment has become highly charged and very volatile,” Chief Financial Officer Marianne Lake said on a conference call. “Things have been very fluid and the situation escalated to the point where we are facing very large premiums and penalties, the level of which have gone far beyond what we reasonably expected.”

Massachusetts Weighs Puerto Rico Debt Impact on Mutual Funds - (www.bloomberg.com) Massachusetts’ chief securities regulator will open an inquiry into the impact of Puerto Rican debt on the state’s mutual fund investors. The investigation is meant to determine the extent of investors’ risk tied to the island’s weakening municipal debt obligations, Massachusetts Secretary of the Commonwealth William F. Galvin said today in a statement. “Puerto Rico is currently on the verge of insolvency and many of its obligations are at or near junk rating,” according to the statement. “The risks associated with its municipal debt obligation are disproportionally high.” Interest on debt issued by Puerto Rican governments is typically tax-free across the U.S., and yields on some issues topped 10 percent in recent weeks amid doubt about whether investors will be repaid. The bonds’ high yields and tax-exempt status make them popular with retail investors, according to the statement.

Law of Career Security: France's Minister of Digital Economy Orders Telecom Companies "to be Virtuous and Patriotic" and to Use Alcatel-Lucent to Prevent Layoffs - (Mish at globaleconomicanalysis.blogspot.com) In France, companies need approval from the unions and the government to fire workers. The government gets to decide if you make too much money to lay anyone off. Moreover, the government can decide you make too much money, even if you have a loss. Then there's the newly passed "Law of Career Security" to consider. Yes, that's the precise title. It took me a bit to piece this story together because translations from French are particularly difficult.




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