Sunday, December 22, 2013

Monday December 23 Housing and Economic stories


America in Worse Fiscal Shape than Detroit-Professor Laurence Kotlikoff (interview)  - (www.usawatchdog.com) Boston University Economics Professor, Laurence Kotlikoff, says, “The country is in worse fiscal shape by many miles than Detroit.  So, the country is essentially bankrupt.”  Dr. Kotlikoff estimates the long term debt and liabilities of America are more than $200 trillion!  He is spearheading a bill in Congress called The Inform Act.  It is an attempt to wake up the nation to our dire financial situation so something can be done to fix this enormous problem.  Dr. Kotlikoff explains, “The bill has been endorsed by over 1,000 economists, including 15 Nobel Prize winners in economics . . .Never in the history of this country have this many top economists from all political persuasions endorsed a piece of legislation like this.”  Dr. Kotlikoff and his fellow economists all contend, “The country needs to do honest accounting.”  The professor charges the government is “disguising the true problem.”   Dr. Kotlikoff says, “The government is printing mountains of money to pay its bills.  The Fed is printing 29 cents of every dollar that Uncle Sam is spending.”  What happens if this continues?  Dr. Kotlikoff says, “Eventually somebody recognizes this and starts dumping the bonds, and interest rates go up, and inflation takes off, and were off to the races.”  In closing, Dr. Kotlikoff warns, “This is going to crash, but there are different ways for cancer to kill you.  It can be very gradual . . . or it can attack some organ and you can die overnight.  Either of those outcomes can happen.” 

GDP revised up, but not as good as it looks - (money.cnn.com) Bring on the sugar rush: The economy grew at a 3.6% annual pace in the third quarter -- much stronger than expected, according to a government report released Thursday. But here's the buzz kill: That number is not nearly as good as it looks. The main reason that growth in the nation's gross domestic product was so strong was because businesses are stockpiling larger inventories. Once you factor out the impact from the inventory boost, GDP growth would have been just 1.9%. "Overall, the report still paints a picture of subdued underlying growth," said Yelena Shulyatyeva, U.S. economist with BNP Paribas. Why are businesses adding to their inventories so dramatically? It's not clear. It could be a sign that companies expect demand will pick up in the future -- so they are stocking their shelves in advance. Or, it could be an indication that demand is weaker than expected, and goods are lingering on the shelves longer than planned as a result.

Pension postponed: Retire at 69 in U.K. - (money.cnn.com) Most British workers under 50 will have to work longer than expected after the government unveiled plans to introduce the highest retirement age in the developed world. Under the reforms, which were presented as part of a bi-annual economic update on Thursday, the pension age will be linked to rising life expectancy and reflect the U.K. government's belief that workers should spend no more than a third of their adult life in retirement. The state pension age of 68 will now be enforced in the mid 2030s, about 10 years earlier than planned. And by the late 2040s it will rise to 69. The new regime will give the U.K. one of the highest pension ages in the world by the middle of the century, according to the Organization for Economic Co-operation and Development.

Banks lobby to underwrite bad loans with no risk retention - (www.ochousingnews.com)  Lenders prefer to underwrite loans and pass the risk to others thus avoiding consequences for shoddy work. Housing advocates want unqualified borrowers to receive loans even if many borrowers won’t repay them. Both lenders and housing advocates agree that the Dodd-Frank financial reform law blocks their agenda, so they formed a coalition to lobby the agencies responsible for implementing this law. These responsible agencies capitulated to the coalition in an example regulatory capture. Wikipedia defines Regulatory Capture this way: Regulatory capture is a form of political corruption that occurs when a regulatory agency, created to act in the public interest, instead advances the commercial or special concerns of interest groups that dominate the industry or sector it is charged with regulating. Regulatory capture is a form of government failure; it creates an opening for firms to behave in ways injurious to the public

Déjà vu: Holder deal risks another mortgage crisis - (www.wnd.com)  - Administration forcing bank to fund loans people can't afford. In the new $13 billion JP Morgan Chase subprime loan deal with the Justice Department, Attorney General Eric Holder appears to have designed a multi-million dollar, backdoor kickback for activist groups like the disgraced community organizer ACORN. Critics say the Obama administration has learned nothing from the mortgage meltdown in 2008-2009, which was prompted by the default of subprime loans packaged into financial instruments. Instead, the administration is engineering a strategy to revive the subprime mortgage market by forcing banks to fund left-wing community organizing groups that would once again place low-income families into mortgages they can’t afford. As Investor’s Business Daily pointed out in an editorial Tuesday, “Annex 2” of the JPMorgan settlement agreement, announced Nov. 19, mandates that “JPMorgan fork over any unclaimed or unpaid damages to a nonprofit group that finances Acorn clones and other shakedown groups.”





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