Wednesday, November 9, 2016

Thursday November 10 20916 Housing and Economic stories


Bitter Irony: San Francisco, Los Angeles, San Jose have the Worst Roads in America, Worse even than Detroit - (www.wolfstreet.com) That the streets are in terrible shape in San Francisco is clear when I step out of the house, look at the pavement I need to cross, and think: “I should have put on my hiking boots.” To its credit, the city has been repaving streets in sections of a few blocks here and there. Those repaved sections look civilized, until you get to the next intersection. But now we know, sort of officially: the streets in San Francisco are in the worst condition of any major urban area. Even compared to smaller cities, only Concord, also in the Bay Area, outshines it. This we now know from a report by TRIP, a nonprofit that “researches, evaluates, and distributes economic and technical data on highway transportation issues.”

Student, Auto Loans Hit New All Time High Of $2.5 Trillion As Consumer Credit Jumps By $19 Billion - (www.zerohedge.com) With the Fed releasing its quarterly update on both auto and student loans in its monthly consumer credit report, we have two new records: a new all-time high in both car loans at $1.098 trillion, and a record for student loans, which just hit $1.396 trillion. The Fed's latest consumer credit report revealed that in September, overall household credit rose by a greater than expected $19.3 billion, above the $18 billion expected, if below last month's near-record $26.8 billion.

Wall Street Bonuses Are Expected to Sink for 3rd Straight Year - (www.nytimes.com) Wall Street bonuses are expected to decline for the third consecutive year, reflecting a period of busted mergers, limited trading activity and muted hedge fund returns. The payouts are projected to be from 5 to 10 percent lower this year, according to an annual report to be released on Monday by Johnson Associates, a compensation consulting firm. Bonuses fell about the same amount last year from 2014. The projection confirms a report last month by the New York State comptroller that said firms set aside 7 percent less for bonuses through the first half of this year compared with last year. While mergers and acquisitions have been active (and even hit record levels in 2015), the bankers who advise on the deals get paid largely when the deals are completed. This year, antitrust officials thwarted a number of large mergers, including Halliburton’s $35 billion bid for Baker Hughes, as well as the consolidations of the health insurance companies Anthem and Cigna, and Aetna and Humana.

Hong Kong Derails Property Streetcar With Punitive Tax - (www.bloomberg.com) Now that foreigners, including all-important mainland Chinese buyers, must pay a 30 percent stamp duty to buy overpriced shoeboxes, transactions could drop by 70 percent, Bloomberg News reported. Weaker demand might jolt earnings of the city's developers. That's what the biggest drop in 16 months in Cheung Kong Property Holdings Ltd.'s shares suggested Monday.''

Obamacare Needs to Be Fixed to Win Over Millennials - (www.newsweek.com) A growing number of the Affordable Care Act's champions are admitting this reality. Progressive columnist Matt Yglesias concedes that "remaining uninsured is a reasonably good financial option for many younger or healthier Americans."... federal efforts to target [millenials] for health insurance enrollment are doomed to fail--the law's plans are just too costly. ... And cost isn't the only reason we're not flocking to the federal insurance exchanges. Our generation values choice and flexibility, but what we're finding through the Affordable Care Act offers neither. More than one-fifth of people who look for insurance on the exchange system will find only one insurance company servicing their area through 2017. And then there are narrow networks that seriously crib our options of doctors and specialists.



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