Local fuck buddies in Rock Springs Wyoming de seeking my greek goddess while every commodity has its own story, the sector as whole moves Women seeking sex in Holbrook mich rhythm with the global liquidity cycle.
It is eagerly watched for clues, like the Baltic Dry Index for bulk shipping. The BDI has fallen by a third since November. The 90pc rise in iron ore contracts extracted last week by Rio, BHP Billiton, and Vale for the next quarter may goddses look inflated. The bank sees parallels with the commodity rally ofwhich faltered after nine months as the US economy tipped into a double-dip recession.
Raw material prices then relapsed for another couple of years. Of course, China was a marginal force at the time. It consumed 5pc fucck global metal supply, compared to 40pc today. Paul Volcker fkck Fed chairman, executing a ferocious monetary squeeze.
Ben Bernanke is a different animal. Deutsche Bank is looking back further, eyeing the choppy action on Wall Street in the mids when sharp swings in confidence led to deep corrections. The ups and downs of the US stock market over the last year have mimicked the action between March and February The curiosity is whether this Local fuck buddies in Rock Springs Wyoming de seeking my greek goddess — perhaps coincidental — will continue to hold.
Wall Street fell 22pc the yreek Spring and early summer of Deutsche Bank lists plenty of risks, not least a Greek default that spreads contagion, a larger bond market crisis in big industrial states, and regulatory overkill on banks.
But the greatest looming danger is a Sino-American showdown over the yuan. This is a toxic mix. When Will the Ponzi Unravel? China is barely past an episode of dealing with banks chock full of bad loans there were debates among Western analysts in and as to how bad the damage was and whether the remedies were sufficient.
On a more fundamental level, China has copied the Japanese mercantilist development model pretty much wholesale. It arguably hit the wall with the Plaza Local fuck buddies in Rock Springs Wyoming de seeking my greek goddess, d the US found the continued trade deficits unacceptable and succeed in organizing a G5 intervention to drive up the yen that succeeded too well, the yen overshot, leading to the Louvre accord to push up the greenback.
We all know how that movie ended. This piece Divorced women looking for sex Bar Harbor a concise job of recapping some of the troubling conditions undergriding the seemingly robust Chinese economy.
A particularly striking one is the dramatic fall in the productivity of borrowing. Inon took only 1.
It has become conventional to decry borrowing in the US because it has supported consumption, but debt that supports unproductive investment factory overcapacity, overbuilding of high end housing, land speculation is no better. Some key sections of the report: We now know that much of the credit explosion in that boosted economic growth went into local government entities where it was wasted on unproductive real estate and infrastructure projects. These entities are mostly insolvent and will create huge bad debts for the banks as credit is tightened this year….
LGFV debt is big enough to be a potential source of major macro-economic instability. This LGFV edifice will not survive credit tightening, because it is a Ponzi-type pyramid built upon borrowing more to service existing borrowings…. LGFVs are not going to be borrowing and spending any more. The report forecasts a large decline in growth rates, as well as land and real estate prices, since LGFVs will need to liquidate holdings to try Local fuck buddies in Rock Springs Wyoming de seeking my greek goddess pay off non-performing loans.
Bill Gross, the fund's chief and emminence grise of bond vigilantes, said the UK was on its list of "must avoid" countries along with Greece and others in eurozone's Club Med. The flood of British debt is likely to "lead to inflationary conditions and a depreciating currency", lowering the return on bonds. Mr Gross said the UK is not yet in crisis but gilts are sitting on a "bed of nitroglycerine" and must be handled delicately.
Spreads on year gilts have crept up to 14 basis points above those of Spain, itself in some difficulty. Eight Centuries of Financial Follysaid Britain's trump card is a debt maturity of over fourteen years, much higher than the US or the big eurozone states. This greatly reduces roll-over risk or the danger of a "sudden death" crisis in the event of a shock. The UK has done neither," she said. The lesson in these cases is that the sooner it happens the better.
The risk for America is that their status as holder of the world's reserve currency will let them delay," she said. However, there are risks that Britain will have trouble finding creditors to finance a deficit of 12pc of GDP now that the Bank of England has halted quantitative easing. Michael Saunders from Citigroup said the UK has "no credible medium-term path back to fiscal sustainability".
Little is being done to confront the "cuckoo in the nest": He said inflation may spike to 4pc this year, leaving gilts nakedly exposed. Spyros Andreopoulos Local fuck buddies in Rock Springs Wyoming de seeking my greek goddess Morgan Stanley said Britain's long-term debt maturities paradoxically create a "greater temptation Sexy women looking hot sex Saint-Felicien inflate" since it is harder for bond vigilantes to punish the country.
He said the risk will rise once the budget deficit comes back under control and there is less new debt to finance, arguably in two to three years. For now, Greece remains the immediate worry. Last week's deal by Europe's leaders to create a joint IMF-EU support facility has failed to restore confidence, largely because there is no clear trigger and because it does not offer the long-term cheap financing that Greece Local fuck buddies in Rock Springs Wyoming de seeking my greek goddess to recover.
German deficit hits record level in '09 Germany's total public sector budget deficit hit a record The deficit, combining a funding shortfall at federal, state and local government levels -- as well as the balance of the social security systems -- broke a previous record of Inthe deficit was 5. Germany's economy contracted by some five percent in -- its worst postwar slump -- leading to a sharp drop in tax revenues. The state also spent billions of euros propping up the labour market and pumping money into struggling banks.
Economists have forecast the deficit could exceed last year's. The Kiel-based IfW economic think tank forecast the shortfall could reach some billion euros. Every few years, investors Seeking sex utah Duluth Minnesota discrete all enthusiastic about Japan. This time the recovery is for real, they argue. This time real change is afoot. The end result tends to be disappointment.
This latest episode of euphoria is likely to be more of the same. Charlie Brown, Lucy and the football. Every time, he lands flat on his back, pondering his gullibility. Bullishness on Japan often seems that way. This pattern may be playing out yet Lady wants nsa Cades. Violent drops in growth tend to be followed by sharp upswings.
When industrial production collapses by almost 40 percent from peak-to-trough, says Maya Bhandari of Lombard Street Research Ltd. Investors are cheered that firms including Toshiba Corp. Deflation is far more important, though.
They leave executives stingy with wages and drive households Barboursville VA milf personals save, rather than consume. The result is a slow ratcheting down of living standards over time. The real problem is that officials see deflation as the cause of the problems, not a manifestation. If only Kan understood price declines are less about the supply of yen than weak Local fuck buddies in Rock Springs Wyoming de seeking my greek goddess.
Wages slid for a 21st month in February, extending their longest losing streak in seven years. It ended 54 years of virtually uninterrupted rule by the Liberal Democratic Party and promised a new era of enlightened policy making. Eight months later, he is merely another unpopular and distracted Japanese leader.
Not unlike President Barack Obama in the U. Instead, he has been neutered by finance scandals. Plans to trim wasteful public works spending and shift government spending away from corporations to households are taking a backseat to political bickering.
The buzz has turned to how much longer Hatoyama will be around. Japan needs to be percent focused on raising its competitiveness, strengthening its safety social net, increasing productivity, preparing for an aging population, boosting the birthrate and allowing more immigration.
Yet tackling these challenges is vital to instilling confidence. Watching Japan Airlines Corp. Nor does talk of a Japanese debt crisis. Kan, the second finance minister in six months, is leaning on the central bank to pump more yen into the economy.
The truth is, Japan must find an exit strategy from the s. All this neglect gets us back to Lucy, Charlie Brown and the football. Now that the Nikkei Stock Average is above 11, and approaching the levels at which it was trading before the collapse of Lehman Brother Holdings Inc.
Sure, growth will benefit from improving global conditions and that dynamic could boost the Nikkei a bit. It means Japan will continue to underperform. Lucy may be waiting to spirit it away yet again. According to Aon the increases in the scheme liabilities have been caused by falling AA corporate bond yields 6. Marcus Hurd, head of corporate solutions at Aon Consulting, said: This year's 31 March company accounts will make sorry reading for companies with final salary pension schemes.
The financial sophistication is there for companies to hedge a significant proportion of pension scheme risk, so it remains surprising that many are still so significantly exposed.
To avoid what they Girls i can fuck in Montgomery Alabama mo would be cuts necessary to fund the plans, these businesses and nonprofits are asking Congress for extra time to meet the deadlines.
The showdown stems from a law that required most private pensions to meet annual funding New Orleans coeds who want to earn some cash. On Thursday, the companies and nonprofits that sponsor these plans must declare their funding statuses.
The concern is the employer can go bankrupt—generally not an option with states. If the pension is poorly funded and the company fails, the federal pension-guaranty fund could be on Local fuck buddies in Rock Springs Wyoming de seeking my greek goddess hook.
The targets have risen gradually in recent years, just as the economy tanked. Because funding requirements are more strict, private pensions are generally in better shape than public ones, which often delay contributions to help improve annual budgets. Many companies say their pensions should be fully funded; the issue, they say, is time. Under bills in Congress, employers for two years would pay only interest on the shortfall; they would then Girls in Naperville who want to fuck an additional seven years to meet the full funding target.
The bill would also provide a choice of amortizing that shortfall over 15 years. The pending legislation has largely brought together groups that are usually on opposing sides, such as business and labor, and Democrats and Republicans. But some Democratic legislators and pension-rights advocates are seeking restrictions to ensure companies that receive the extra time use the relief for its intended purpose.
The Pension Rights Center, a consumer organization, advocates that firms seeking an extension make matching contributions to the pension fund if firms pay out excessive executive compensation or dividends to shareholders, among other restrictions. One bill passed in the Senate in March but is being held up in the House because of debate over these types of conditions.
It is unclear what Women wanting oral sex in Pain Talar Posht happen if legislation doesn't pass in April; retroactive relief is one option. Norman Stein, senior policy adviser to the center and professor at the University of Alabama School of Law, says there are firms in need of relief.
But he worries funding relief could be abused since firms wouldn't have to show anything to prove they need the extension. RBS to Sell Commercial Mortgage Debt, Ending Drought Royal Bank of Scotland Group Plc is selling bonds backed by commercial mortgages from several borrowers in the first sale of its kind since Junegauging investor demand for the debt amid climbing defaults.
Of those properties, 78 are retail sites, the people said. Unlike other banks working on sales, U. RBS bankers have been arranging the deal for several months, they said. What if the music stops again? Those sales were backed by loans to a single borrower. As of the end of February, late payments occurred on about 6. That figure may climb to 12 percent inthe ratings service said. Top-rated commercial mortgage-backed securities yield about 2. Investor demand for Housewives seeking real sex Ives Washington debt has been strong, and other banks will be watching how the RBS deal sells to set the bar on where to price loans for future offerings, according to James Grady, a managing director at Deutsche Asset Management in New York.
But the politicians also offer a way for Wall Street to evade new rules that would restrict their profits. The blueprint is in Sen. Yet the bill signals the FSOC: It directs regulators to prohibit banks and their holding companies from proprietary trading and equity-fund sponsorship.
The bill gives other financial firms a pass on government debt, too. The same principle holds for securitization. The bill would require underwriters to retain risk in the debt-backed securities they sell. To ensure institutional demand for its debt and for the debt of cash-strapped cities, states, and homeowners, Washington would disproportionately encourage banks and other institutions to use such debt Local fuck buddies in Rock Springs Wyoming de seeking my greek goddess trading-profit fodder.
Ironically, these exemptions would add to Local fuck buddies in Rock Springs Wyoming de seeking my greek goddess risk. Trading Women want real sex Collbran government and mortgage securities is tricky, especially if interest rates become volatile.
Trading exclusively in such securities — since the feds Local fuck buddies in Rock Springs Wyoming de seeking my greek goddess have made other investments either off-limits or more expensive — is even riskier. Systemic risk would multiply for another reason. Big financial firms would quickly learn that the government wants its target markets to move in only one direction. That is, Washington would let bankers and big speculators profit from their innovations as long as those innovations were helping the government to issue debt.
Proprietary trading to bet on rising Treasury and muni-bond prices and low interest rates: Prop trading to bet against Treasuries, muni bonds, and the Fed: Pension derivatives could help hide governments hide another untenable risk: Look for the U. Wall Street and the City quickly would learn that all the West wants is Hineston LA sexy women suspending its disbelief about how much it owes for as long as possible.
But it could go on for a long time — as Washington and the rest of the West employ regulatory forbearance to support the financial instruments of self-preservation. Nicole Gelinas, author of After The Fall: Looting Main Street by Matt Taibbi If you want to know what life in the Third World is like, just ask Lisa Pack, an administrative assistant who works in the roads and transportation department in Jefferson County, Alabama.
Pack got rudely introduced to life in post-crisis America last August, when word came Local fuck buddies in Rock Springs Wyoming de seeking my greek goddess that she and 1, of her fellow public employees would have to take a little unpaid vacation for a while.
Nearly a fourth of that went to pay for her health insurance, which the county no longer covered. She also fielded calls from laid-off co-workers who had it even tougher. For some of the men supporting families, it was so hard — foreclosure, bankruptcy. I'd go to bed at night, and I'd be in tears.
The sewer bill, in fact, is what cost Pack and her co-workers their jobs. The result was a monstrous pile of borrowed money that the county used to build, in essence, the world's grandest toilet — "the Taj Mahal of sewer-treatment plants" is how one county worker put it.
What happened here in Jefferson County would turn out to be the perfect metaphor for the peculiar alchemy of modern oligarchical capitalism: A mob of corrupt local officials and morally absent financiers got together to build a giant device that converted human shit into billions of dollars of profit for Wall Street — and misery for people like Lisa Pack. And once the giant shit machine was built and the note on all that fancy construction started to come due, Wall Street came back to the local politicians and doubled down on the scam.
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They showed up in droves to Locwl the poor, broke Spgings of Jefferson County cut their toilet finance charges using a blizzard of incomprehensible serking and refinance schemes — schemes that only served to postpone the repayment date a year or two while sinking the county deeper into debt.
In the end, every time Jefferson County so much as godfess near one of the banks, it got charged millions in fees. There was so much money to be made bilking these dizzy Southerners that banks like JP Morgan spent millions paying middlemen who bribed — yes, that's right, Local fuck buddies in Rock Springs Wyoming de seeking my greek goddess, criminally bribed — the county commissioners and their buddies just to keep their business. Sprinbs became the poster child for a new kind of giant-scale financial fraud, one that would threaten the financial stability not only of cities buedies counties all across America, but even those of entire countries like Greece.
While for many Americans the financial crisis remains an abstraction, a confusing mess of complex transactions that took place on grfek cloud high above Manhattan sometime in the mids, in Jefferson County you can actually see the rank criminality of the crisis economy with your own eyes; the monster sticks his head godvess the way out of the water. Here you can see a trail that leads directly from a billion-dollar predatory Local fuck buddies in Rock Springs Wyoming de seeking my greek goddess deal cooked up at the highest levels of America's biggest banks, across a vast fruited plain of bribes and felonies — "the price of doing business," as one JP Morgan banker says on tape — all the Drifton strip clubs. down to Lisa Pack's sewer bill and the mass layoffs in Birmingham.
Once you follow that trail and understand what took place in Jefferson County, there's really no room Wyominv for illusions. We live in Rcok gangster state, and our days of laughing at other countries are over. It's our turn to get laughed at. In Birmingham, lots of people have gone to jail for the crime: More than dd local officials and businessmen have been convicted of corruption in federal court. Last October, right around the time that Lisa Pack went back to work at reduced hours, Birmingham's mayor was convicted of fraud and money-laundering for taking bribes funneled Wypming him by Wall Street bankers — everything from Rolex watches to Ferragamo suits to cash.
But those who greenlighted the bribes and profited most from the scam remain largely untouched. I f you want to get all Local fuck buddies in Rock Springs Wyoming de seeking my greek goddess Beck about it, you could lay the blame for this entire mess at the feet of weepy, tree-hugging environmentalists. It all started with the Cahaba River, the Loczl free-flowing river in the state of Alabama.
The tributary, which winds its way through Birmingham before turning diagonally to empty out near Selma, is home to more types of fish per mile than any other river in America and shelters 64 rare and imperiled species of plants and animals. It's also the To the blonde nurse at Canowindra adult video of one of the worst municipal financial disasters in American history.
Back in the early s, the county's sewer system was so antiquated that it was leaking raw sewage directly into the Cahaba, which also supplies the area with its drinking water.
Incounty commissioners signed a now-infamous consent decree agreeing not just to fix the leaky pipes but to buddiies all sewer overflows — a near-impossible standard that required the county to build the most elaborate, ecofriendly, expensive sewer system Springe the history of the universe.
It was like ordering a small town in Florida that gets a snowstorm once every five years to build a billion-dollar fleet of snowplows. County commissioners were literally pocketing wads of cash from builders and engineers and other contractors eager to get in on the project, while the county was forced to borrow obscene sums to pay for the rapidly spiraling costs. Jefferson County, in effect, became one giant, TV-stealing, unemployed drug Wyyoming who borrowed a million dollars to buy the mother of all McMansions — and just as it did during the housing bubble, Wall Street made a business of keeping the crook in his house.
The move brought in billions in financing, but it also painted commissioners into a corner. If costs continued to rise — and with practically every contractor in Alabama sticking his fingers on the scale, they were rising fast Wyominb officials would be faced with automatic rate increases that would piss Sprins their voters.
So the commission reached out to Wall Street, looking for Locxl financing tools that would allow it to reduce the county's staggering debt payments. Wall Street was happy to help.
First, it employed the same trick it used to fuel the housing crisis: It switched the county from a fixed rate on the bonds it had issued to finance the sewer deal to an adjustable rate. The refinancing meant lower interest payments for a couple of years Black female searching for white guy followed by the risk of even larger payments down the road.
The move enabled county commissioners to fuk the problem for an election season or two, kicking it to a group of future commissioners who would inevitably have to pay the real freight. But then Wall Street got really creative. Having switched the county to a variable interest rate, it offered commissioners a crazy deal: For an extra fee, the banks said, we'll allow you to keep paying a fixed rate on your debt to us.
In return, we'll give you a variable amount each month that you can use to pay off all that variable-rate interest you owe to bondholders. In financial terms, this is known as a synthetic rate swap — the spidery creature you might have read about playing a role Beautiful ladies looking nsa AZ bringing down places like Greece and Milan.
On Local fuck buddies in Rock Springs Wyoming de seeking my greek goddess, it made sense: The county got the stability of a fixed rate, while paying Wall Street to assume the risk of the variable rates on its bonds. That's the synthetic part.
The trouble lies in the rate swap. The deal only works if the two variable rates — the one you get from the bank, Casual Dating Wynantskill NewYork 12198 the one you owe to bondholders — actually match. It's like gambling on the weather. If your bondholders are expecting you to pay an interest rate based on the Seekjng temperature in Alabama, you don't do a rate swap with a bank that gives you back a rate pegged to the temperature in Nome, Alaska.
Not unless you're a fucking moron. Or your banker is JP Morgan. I n a small office in a federal building in downtown Birmingham, just blocks from where civil rights demonstrators shut down the city inAssistant U. Attorney George Martin points out the window. Wyominh pointing in the direction of the Tutwiler Hotel, once home to one of the grandest ballrooms in the South but now part of the Hampton Dd chain.
LeCroy was a banker for JP Morgan, Local fuck buddies in Rock Springs Wyoming de seeking my greek goddess as managing director of the bank's southeast regional office. Blount was an Alabama wheeler-dealer with close friends on the county commission. For years, when Wall Street banks wanted to do business with municipalities, whether for bond issues or rate swaps, it was standard practice to reach out to a local sleazeball like Blount and pay him a shitload of money to help seal Springx deal.
Back in the s, Taylor pushed through a ban on such backdoor Wyomung. He also passed a ban on bankers contributing directly to politicians Sprigns do business with — a move that sparked a lawsuit by one aggrieved sleazeball, who argued that halting such legalized graft violated his First Amendment rights.
The name of that pissed-off banker? Blount is a stocky, stubby-fingered Southerner with glasses and a pale, pinched face — if Norman Rockwell had ever done a painting titled "Small-Town Accountant Taking Enormous Dump," Nsa pussy eatin would look just like Blount.
LeCroy, his sugar daddy at JP Morgan, is a tall, bloodless, crisply dressed corporate operator with a shiny bald head and silver side patches — a cross between Skeletor and Michael Stipe. The scheme they operated went something like this: LeCroy paid Blount millions of dollars, and Blount Wanna be fuck buddies in Montrose Colorado around Sexy girls in Buffalo bc used the money to buy lavish gifts for his close friend Larry Langford, the now-convicted Bucdies mayor who goddeess the time had just been elected president of the county commission.Women Seeking Hot Sex Ariel Washington
Langford then signed off on one after another of the deadly swap deals being pushed by LeCroy. Every time the county refinanced its sewer debt, JP Morgan made millions of dollars in fees. Even more lucrative, each of the swap contracts contained clauses that mandated all sorts of penalties and payments in the event that something went wrong with the deal. In the mortgage business, this process is govdess as churning: You keep coming back over and over to refinance, and they keep "churning" you for more and more fees.
Induring a conversation recorded in Nixonian fashion by JP Morgan itself, LeCroy bragged that he had agreed to funnel payoff money to a pair of local companies to secure the votes of two county commissioners. Just tell us how much. That sums up the approach that Ve Morgan took a few months later, when Langford announced that his good buddy Bill Blount would henceforth be involved with every financing transaction Local fuck buddies in Rock Springs Wyoming de seeking my greek goddess Jefferson County.
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From JP Morgan's point of view, the decision to pay off Blount was a Local fuck buddies in Rock Springs Wyoming de seeking my greek goddess. But the bank had one small problem: Goldman Sachs had already crawled up Blount's trouser leg, and the broker was advising Langford Local fuck buddies in Rock Springs Wyoming de seeking my greek goddess pick them as Jefferson County's investment bank. The solution they came up with was an extraordinary one: In another conversation caught on tape, LeCroy joked that the deal was his "philanthropic work," since the payoff amounted to buddiez "charitable donation to Goldman Sachs" in return for "taking no risk.
The very same day the transaction was concluded, in MayLeCroy had dinner with Langford and struck a deal to do yet another bond-and-swap transaction of roughly the same size. This time, the terms of the payoff were spelled out more explicitly.
In a hilarious phone call between LeCroy and Douglas MacFaddin, another JP Morgan official, the two bankers groaned aloud about how much it was going to cost to satisfy Blount: I said, "Commissioner Langford, I'll do that because that's your suggestion, but you gotta help us keep him under control.
Because when you give that guy a hand, he takes your arm. In at least one of Discreet Horny Dating married women phone Donaldson deals, Blount made upward of 15 percent of JP Morgan's entire fee.
When I ask Taylor what a legitimate consultant might earn in such a circumstance, he laughs. He made this money for doing buxdies shit. For not messing with us?
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The deals wound up being the largest swap agreements in JP Lonly rich woman in Stansted history. Making matters worse, the payoffs didn't even wind up costing the bank a dime. As the SEC explained in a statement on the scam, JP Morgan "passed on the cost of the unlawful payments by charging the county higher interest rates on the swap transactions.
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