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Mar
29th
Mon
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It Is An Interconnected World

John Mauldin says it best in his latest weekly newsletter What Does Greece Mean to You?:

Why is Greece important? Because so much of their debt is on the books of European banks. Hundreds of billions of dollars worth. And just a few years ago this seemed like a good thing. The rating agencies made Greek debt AAA, and banks could use massive leverage (almost 40 times in some European banks) and buy these bonds and make good money in the process. (Don’t ask Dad why people still trust rating agencies. Some things just can’t be explained.)

Except, now that Greek debt is risky. Today, it appears there will be some kind of bailout for Greece. But that is just a band-aid on a very serious wound. The crisis will not go away. It will come back, unless the Greeks willingly go into their own Great Depression by slashing their spending and raising taxes to a level that no one in the US could even contemplate. What is being demanded of them is really bad for them, but they did it to themselves.

But those European banks? When that debt goes bad, and it will, they will react to each other just like they did in 2008. Trust will evaporate. Will taxpayers shoulder the burden? Maybe, maybe not. It will be a huge crisis. There are other countries in Europe, like Spain and Portugal, that are almost as bad as Greece. Great Britain is not too far behind.

The European economy is as large as that of the US. We feel it when they go into recessions, for many of our largest companies make a lot of money in Europe. A crisis will also make the euro go down, which reduces corporate profits and makes it harder for us to sell our products into Europe, not to mention compete with European companies for global trade. And that means we all buy less from China, which means they will buy less of our bonds, and on and on go the connections. And it will all make it much harder to start new companies, which are the source of real growth in jobs.

Also known as the domino effect.

Tags: finance   economics   john mauldin  
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Jan
18th
Mon
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The Fed is going to stop the music in March. There will be a scramble for the chairs. This is a huge experiment with no precedent. The entire developed world is the test subject. Risk assets will be subject to uncertainty. And markets hate uncertainty.
Tags: finance   US   john mauldin  
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Apr
28th
Tue
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We have too many stores to sell “stuff,” all sorts of stuff. Too many malls. We have too many factories to build too many cars, too many plants to build too many widgets for an economy where 65% of GDP is consumer spending. When we built all that capacity it was for an economy in which consumer spending was 71%; and because we were enthusiastic and believed we would grow at 3% forever, we probably built it for 73% or 74%.
Tags: john mauldin  
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Apr
14th
Tue
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Option adjustable rate mortgages will trigger a surge in mortgage rate resets in 2010 and 2011. The pain in the mortgage market is not over.
Via John Mauldin’s Frontline Weekly Newsletter.

Option adjustable rate mortgages will trigger a surge in mortgage rate resets in 2010 and 2011. The pain in the mortgage market is not over.
Via John Mauldin’s Frontline Weekly Newsletter.

Tags: mortgage   rate   reset   john mauldin  
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