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To: cynwoody

That chart make me wonder what the panic is all about.


7 posted on 08/09/2007 3:00:42 PM PDT by DonaldC
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To: DonaldC

The panic is that liquidity dried up last week in the secondary market for debt notes. Foreign funds are heavily invested in these markets, and Europe essentially ran out of cash last night.

That triggered the ECB, Canada, and Fed to make large emergency injections of cash into Europe this morning.

...and all of the above is happening not because of sub-prime notes (a minority of the market), but rather, happened because the Fed and ECB raised interest rates to banks too high and kept them too high for far too long.

By keeping rates too high, private liquidity has dried up. This means that the world is staring deflation in the face.

Deflation is a far worse problem than inflation. Deflation eats actual wealth. Housing prices decline, for instance. Prices for existing debt notes decline, for another.

When deflation appears, large masses of people would rather hang onto their money (because everything will be cheaper tomorrow). This in turn slows down the speed of money, which makes economies less efficient and less prosperous.

In short, people want cash when they see deflation. They sell their homes. They sell their stocks. They don’t buy as much. Consumerism disappears.

Jobs disappear. Wealth disappears. Problems abound.


8 posted on 08/09/2007 3:11:40 PM PDT by Southack (Media Bias means that Castro won't be punished for Cuban war crimes against Black Angolans in Africa)
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To: DonaldC
That chart make me wonder what the panic is all about.

Control.

11 posted on 08/09/2007 3:24:01 PM PDT by null and void (This tagline has done something unfathomable and will close)
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To: DonaldC
The panic is all about the fact that investors finally figured out that real estate on both coasts is grotesquely overpriced and bears no relation to the underlying salaries of the people who live there. The ARM resets of sub-prime as well as mid-prime lenders means that many foreclosures are yet to come.

A significant increase in foreclosures increases the supply of housing on the market faster than an increase in the demand. This lowers housing prices which makes it more difficult for more people with ARMS to refinance their homes.

Then the imitation of a toilet drain in the housing market continues.

The refinancing boom of the last few years gave consumers plenty of cash to spend in the economy. That cash is no longer available for this year, next year, and perhaps several years after that.

_That_ is why there is panic.
23 posted on 08/09/2007 4:38:24 PM PDT by cgbg (Hillary's mob has plans for our liberties--hanging fruit.)
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