Monday, June 29, 2015

Tuesday June 30 Housing and Economic stories


Judge Adds The Fed To List Of Financial-Crisis Lawbreakers In AIG Ruling - (www.forbes.com) It’s cold consolation for former AIG Chairman Hank Greenberg and his shareholders now, but a federal judge in Washington has ruled that the Federal Reserve broke the law when it seized almost 80% of AIG’s stock and charged it loan-shark rates for an $85 billion bailout in the depths of the financial crisis. The Fed’s behavior was all the more reprehensible because it gave other financial firms like CitigroupBank of America, Goldman Sachs and Morgan Stanley tens of billions of dollars in emergency loans on better terms. Many of those firms, Judge Thomas C. Wheeler noted in his 75-page decision, “engaged in much riskier and more culpable conduct than AIG, but received much more favorable loan treatment from the Government.”

Are junk bonds sending an early warning to markets? - (www.cnbc.com) While stocks are mildly higher over the past two months, high-yield bonds have fallen by more than 2 percent—and some say that presents an early warning for markets as a whole. To Larry McDonald, head of U.S. strategy with Societe Generale's macro group, the underperformance of high-yield bonds is a "systemic risk indicator," showing the possibility of instabilities within the financial system. After all, high-yield bonds tend to track stocks closely. Since they are much more sensitive to concerns about default than most fixed-income products—hence their high yields, and their more colorful "junk bond" moniker—they are much more levered to the business cycle and the state of the economy. That makes them similar to stocks. One theory is that "cracks" show in the high-yield market before they appear in the stock market, making divergence between junk bonds and stocks an indicator for where the market is going next. Since junk bonds have been underperforming, the concern would be that stocks are next to fall.

Greek central bank governor warns of 'uncontrollable crisis' - (www.theguardian.com) Greece’s radical Syriza government has confirmed that it will run out of money by the end of the month unless its creditors agree to release €7.2bn (£5.1bn) in bailout funds. As Athens prepared to meet its lenders on Thursday amid an increasingly sour atmosphere of claims and counter-claims, lead negotiator Euclid Tsakalotos conceded that the country does not have the funds to make a €1.6bn payment due to the International Monetary Fund due on 30 June. Athens delayed a payment to the IMF earlier this month, saying it would take advantage of a technical loophole, allowing it to “bundle” three tranches due this month into a single €1.6bn payment. But Tsakaolotos has now admitted that Greece simply does not have the money. He also underlined the fact that while Greece is still willing to make concessions to its lenders, it will not make pensions cuts — a key point of contention in the negotiations.

Even millionaires live paycheck to paycheck - (www.cnbc.com) It seems the rich are like the rest of us after all. One in five respondents with investable assets of $100,000 to $1 million, and 1 in 10 with investable assets of $1 million up to $10 million believe they have too much debt and are living paycheck to paycheck, according to a poll taken by MaritzCX. Among the 1,044 investors surveyed in November and December, 45% are worried they won't have enough income to last through retirement. And 30% believe they will have to work during that period of their lives. "What this is saying to me is even when you start looking at people who have managed to accumulate some wealth, they are also concerned about their future and about retirement,'' says Rich Brose, senior director strategic consulting for financial services at MaritzCX, which provides customer experience software and research services to help companies improve sales and customer retention. "They share a lot of the same concerns as ... the middle class and even people who might be struggling a little bit more.''

Govt lifts 'robosigning' restrictions on certain banks - (www.cnbc.com) Restrictions placed on certain banks for mortgage "robosigning" will lift as the firms have taken steps to fix their processes and pay restitution, the Office of the Comptroller of the Currency said Wednesday. The agency's consent orders against Bank of AmericaCitibank andPNC Bank will be terminated. Other banks will face additional servicing restrictions as they have not met all of the requirements of their consent orders. Institutions including EverBankHSBC BankJPMorgan ChaseSantanderU.S. Bank and Wells Fargo have not reached the standards set in their agreements, the OCC said. However, it will not impede consumer access to mortgages as they will still be able to make loans.




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