Posts Tagged billion

Fed $ 200 billion bailout of the mortgage, $ 0 for homeowners in foreclosure

Offered by saving $ 200 billion by banks this week is that more clear from the day on which banks are insolvent. The Fed makes a futile attempt to prevent the further collapse of the theft of public funds due to inflation and trade in new funds for subprime loans. The more support the system can be maintained only worsen the inevitable collapse.

The rescue plan, like others before, is an attempt to eliminate the Fedenough toxic mortgage debt bank balance sheets to keep the system more financially sound, although weak at the moment. Total collapse of major banks in the country that must be done properly to bring other banks. When people recognize that they are not alone in facing financial ruin and foreclosure and their money from banks, the largest financial institutions could not survive without large ransom.

TheseBanks have already burned most of their reserves to cover losses stemming from exposure to the mortgage crisis and took as much as possible from each other and foreign investors. The fire sale of U.S. companies to foreigners is just the beginning, but do not buy when our institutions are on the verge of bankruptcy. While other banks, credit has dried up, the Fed as a dump of last resort for banks and their residues, veryinflated mortgages.

Currently, the debt still preserved some semblance of legitimacy has been approved by the bond rating agencies, so the Fed is more than willing to maintain the farce of Treasury trading for them. A little 'more money (dollars, euros, Swiss francs and other currencies) is used to collect the money after a very bad track at the expense of those with the best price.

Therefore, banks will be able to move with a value of 200 billion dollars of bad loans from itsShares in exchange for new loans from the Fed in the form of bonds to strengthen its reserves and reduced to appear solvent. But it is very doubtful that these lives actually fool someone who owns a house in a neighborhood, or investment banks, hedge funds and other institutions that are exposed to the mortgage crisis.

The mortgage crisis is much more than a few regional markets and infects the proliferationmore than 200 markets around the country. Florida and California have at least 33 hours each in soft markets, counties and cities and the values in some areas rose faster and higher than in other communities. These are the markets where it will be much of a bad debt to be traded on the Federal Reserve. (Otherwise, if the banks had generally good debt would be a plan to save the U.S. Federal Reserve in the first place, then, the debt must come from this sad and difficult problemsMarkets).

The Fed, however, is from bank loans, despite their previous loans spectacular failure. Inflation will continue to increase the cost of consumer goods, including food, energy, and what (all the dissipation of energy to the economy, in particular). But at least the owners their mortgage payments or problems to keep warm, or feeding their families can rest assured that your bank does not feel any pain financialdrive from their homes.

And because the inflated values of these properties continues to drop and more homes on the market empty for a long time, bankruptcy restrictions can only push more homeowners abandon their homes more and more value. This is the legal and financial framework of the banks themselves have created. And what will the new design, the public will lose their homes and the cost of saving outBanks.

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Bear Stearns 20 billion U.S. dollars 236 million dollars and beyond

What a difference a year before. Last year around this time of Bear Stearns, a high share price of $ 150 flights per share and a market value of 20 billion euros. After being founded in 1923 as one of Wall Street investment houses more venerable.

Already in 2005, Bear Stearns was admired as the most "educational qualifications of the company's annual wealth, a distinction that has chosen in 2007. During this time, many decisions because they have notreported to decline. Half of 2007 in the arms of Bear Stearns began to crumble. To explode, at high risk of problems began. Basically, it was clear for the financial sector that many subprime mortgages that has occurred in recent years would have been returned.

One of the funds to come from Bear Stearns, the High-Grade Structured Credit Fund was down, shaken. In a sign of things when Merrill Lynch bought 850 million, the guaranteethe Fund only in a position of 100 million dollars at auction.

A problem that started two funds at Bear Stearns, which develop as hedge funds to operate. The word interesting is hedge funds. Hedge funds mainly operate under the philosophy that investing in a series of loans, which are linked to some risk in order to minimize the risk. While some people may enter into foreclosure investor protection, becauseinvested in a large number of loans. The problem of the financial sector began in the first half of 2007 it was clear that a large number of them went into foreclosure. In July, the two hedge funds had lost almost all value.

In August, the complaints began as an angry investors began to demand that their losses from Bear Stearns, according to which type of properties that failed to disclose to fly their exposure to hedge funds. A few months after Bear Stearns1.2 million U.S. dollars in their titles.

2008 brought more problems at Bear Stearns. Rumors emerged that Bear Stearns had cash problems. JP Morgan has started to provide emergency aid to provide Bear Stearns, but Bear Stearns, seems to stop the slide into financial chaos. This brought the final bid of 240 million for Bear Stearns. Not only was significantly lower than the 20 billion of Bear Stearns last year was worth it, however, was lower than the value of Bear StearnsHeadquartered in New York, which is estimated at $ 1.2 million. The fact that the fall in prices to the value of the assets of Bear Stearns, as a sign that many of the assets of Bear Stearns, has a negative value.

Another interesting point is the comparison of Bear Stearns to Countrywide. Both were large institutions, with exposure to the subprime housing market. However, Countrywide as a freewheeling company believes that the risk is ignored and almost got up quickly andbe felt quickly. Unlike Bear Stearns, as the large companies that had endured over several recessions times. But eventually the market itself that these two companies to its knees. Basically, with the risk of many subprime borrowers will not be useful if the housing market is weakening, which is a high percentage of borrowers in default. I hope that the collapse of Bear Stearns will serve as a warning for the future all teaching better. And the lesson of alarm, hopefully notbe remembered only in times of difficulty, because if it is often too late, but in the good old days, when the seeding for the future of the financial turmoil.

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