Wednesday, February 26, 2014

Thursday February 27 Housing and Economic stories


Gangster Bankers: Too Big to Jail - Matt Taibbi - (www.rollingstones.com)  - That nobody from the bank went to jail or paid a dollar in individual fines is nothing new in this era of financial crisis. What is different about this settlement is that the Justice Department, for the first time, admitted why it decided to go soft on this particular kind of criminal. It was worried that anything more than a wrist slap for HSBC might undermine the world economy. "Had the U.S. authorities decided to press criminal charges," said Assistant Attorney General Lanny Breuer at a press conference to announce the settlement, "HSBC would almost certainly have lost its banking license in the U.S., the future of the institution would have been under threat and the entire banking system would have been destabilized.

Six reasons the White House's Obamacare defense stinks - (www.washingtonpost.com) Obamacare was sold as a means of promoting job mobility, delinking insurance from work. Now the White House says it is delinking workers from work... All this leads me to believe that the White House, as it has done with each rotten bit of news and instance of Obamacare's unworkability, is saying whatever it needs just to get through a few news cycles. Because it will not admit any design flaws in the fundamental structure of the bill, it must resort to silly and self-contradictory talking points -- or simply misrepresent facts, as the president did when he first claimed you could keep your insurance plan and later denied he said you could keep your insurance plan.

Emerging markets risk repeating eurozone blunder of synchronised tightening - (www.telegraph.co.uk)  Where have seen this screenplay before? A string of countries tighten policy at the same time – some drastically – in order to prevent capital flight and show investors how tough they can be. Turkey, South Africa, and India all raised rates last week. Brazil and Indonesia did so before. Chile, Peru, Hungary, and others need to loosen but dare not do so. Russia is spending $2bn a week in FX reserves propping up the rouble, automatically tightening its internal credit conditions in the process. The tougher they are, the more praise they win from emerging market analysts. This from Bartosz Pawlowski from BNP Paribas: Much of the media (and not only on the financial pages) seems to be vying to produce the most bearish story on emerging markets. Arguments against owning anything in emerging markets are being thrown around carelessly and hardly anyone is reporting the other side of the story." We think that policy responses in countries such as Turkey, South Africa, India and even Brazil should be sufficient to show that central banks ‘mean business’ and that if there is a need to do more, they will deliver.

Puerto Rico eyes new vehicle to help sell bonds -sources - (www.reuters.com) Puerto Rico is teeing up sizeable debt deals that may include securities from an untested borrowing agency, financial industry sources said, a move that could take on new urgency after Standard & Poor's cut the island's credit rating to junk. The deals, which may total as much as an estimated $2 billion, are seen by analysts and many investors as vital to ensuring the big borrower has adequate financial liquidity to pay its bills and debts. Government officials, courting potential investors wary of possible financial engineering, aim to position the newly created Municipal Financing Corp as a distinct entity among the commonwealth's stable of municipal bond issuers, even though it will tap sales-tax revenues as does the island's mainstay, COFINA.

GPIF’s $709 Billion Bonds a Lost Opportunity, Utsumi Says - (www.bloomberg.com)  Japan’s government pension fund is in “extreme danger” from investing mostly in local bonds with yields depressed by central-bank buying, said Makoto Utsumi, who helped shape the world’s largest retirement savings pool. Yields are abnormally low due to the Bank of Japan’s asset purchase program, said Utsumi, a member of an advisory panel on the 2006 establishment of the Government Pension Investment Fund who is now president of debt-rating firm Japan Credit Rating Agency Ltd. GPIF, which held 58 percent of its 124 trillion yen ($1.2 trillion) portfolio in domestic bonds as of Sept. 30, will lose out on the chance for better returns by keeping them until redemption, he said.





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