Tuesday, December 24, 2013

Wednesday December 25 Housing and Economic stories


Detroit Puts $1.1 Trillion of G.O.’s Under Scrutiny: Muni Credit - (www.bloomberg.com) Detroit’s bankruptcy has some investors fretting that the case will set a precedent for $1.1 trillion of U.S. general obligations. That hasn’t kept the debt from beating revenue bonds for the first time since 2010. A federal judge last week approved the city’s record $18 billion Chapter 9 filing and said its pensions can be cut in bankruptcy. Detroit’s emergency manager has sought concessions from creditors, including retirees and holders of $369 million of general obligations that the city had promised to repay using its unlimited taxing power. The potential for losses on Detroit G.O.s means investors may now demand extra yield on obligations of localities struggling to balance budgets, said portfolio managers at T. Rowe Price Group Inc. and UBS Global Asset Management. Even with the prospect of added scrutiny, general obligations are outperforming revenue-backed munis in 2013, Bank of America Merrill Lynch data show. The bonds, the safest part of the municipal universe, are benefiting as investors favor their shorter maturities amid mounting bets that a growing economy will drive interest rates higher.

JPMorgan China Hiring Probe Spreads to Five More Banks, NYT Says - (www.bloomberg.com) Goldman Sachs Group Inc. and Deutsche Bank AG are among five Wall Street firms in addition to JPMorgan Chase & Co. whose hiring practices in China are being probed by U.S. regulators, the New York Times reported. Citigroup Inc., Morgan Stanley and Zurich-based Credit Suisse Group AG also are facing Securities and Exchange Commission investigations, which are at an early stage, the newspaper said yesterday, citing interviews with people briefed on the matter. JPMorgan recently gave authorities spreadsheets and e-mails detailing the firm’s Sons and Daughters hiring program, according to the Times. U.S. authorities are examining whether JPMorgan violated anti-bribery laws by hiring the children and other relatives of well-connected politicians and clients in China in exchange for having business steered to the firm, a person with knowledge of the investigation said in August. Bloomberg News reported that month that a probe of JPMorgan had uncovered an internal spreadsheet that linked appointments to specific deals.

Russia Backs Off Ukraine Union After Lenin Statue Falls  - (www.bloomberg.com) Russia cast doubt that Ukraine may soon join its customs bloc, a plan that has sparked the ex-Soviet republic’s biggest protests in almost a decade and fueled calls for President Viktor Yanukovych to resign. Riot police and stick-wielding protesters squared off in central Kiev a day after a group of youths tore down a statue of Vladimir Lenin in the biggest rallies since the 2004 Orange Revolution yesterday. Angry over Yanukovych’s snub of an EU pact in favor of bolstering Russian ties, activists have vowed to stay until the government quits, while Russia said that joining its rival customs union could take years.

California Tollway Sells $2 Billion Bond to Avoid Default - (www.bloomberg.com) The operator of three toll roads in California’s Orange County is selling $2.3 billion in bonds to refund debt as revenue trails projections. The Foothill/Eastern Transportation Corridor Agency, which runs 36 miles (58 kilometers) of roads in California’s third-most-populous county, joins issuers nationwide selling a combined $11 billion of debt this week. California’s largest toll-road system is borrowing to refinance bonds and extend maturities and tolls by 13 years, to 2053. It requested state permission to do so in 2012, and got clearance in October. California Treasurer Bill Lockyer’s Debt and Investment Advisory Commission said in July that the agency might default on $2.4 billion of debt unless it reduced annual payments by lengthening maturities. Revenue from the roads fell short of projectionsthe past six years as commuters chose free highways amid a drop in housing values that disproportionately hurt inland suburbs.

Jumbos Surge 34% With Record ARMs Belying ’08 Anxiety: Mortgages - (www.bloomberg.com) Jim Pietrocini has joined the jumbo adjustable-rate mortgage party. In early December, he refinanced his 4,600-square-foot Carlsbad, California, home that overlooks the Pacific Ocean. Pietrocini, a computer software  consultant, couldn’t resist the deal on the jumbo, a loan exceeding the limit the government will buy. His $744,000 mortgage at 3.5 percent, which adjusts annually after seven years, will save him almost $8,000 a year compared with a fixed rate loan at 5 percent. “I have two kids who are teenagers who probably will be gone in seven years,” said Pietrocini, 55. “My wife and I don’t need all this space for ourselves, so we’re probably going to downsize before the loan adjusts.”





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