Krugman-in-Wonderland: Krugman, Business Spending, and "Regime …

Posted by on July 16th, 2010

Paul Krugman has laid down a challenge in his latest blog post, claiming that much of the current joblessness is the result of businesses “sitting on a lot of cash, but not spending it.” Indeed, he likens this situation to the extreme cautiousness of Gen. McClellan during the Civil War, which brought about the ire of President Lincoln.

At one level, Krugman claims that the reluctance of businesses to spend is understandable, given what he calls “huge excess capacity.” (More on the “capacity” argument later.) he declares:

(Reluctance to spend) then raises the question: how can you believe that, and not also believe that if the U.S. government were to borrow some of the cash corporations aren’t spending, and spend it on, say, public works, this would also create jobs? (Brad DeLong has tried to make this argument repeatedly).

Which brings me to Lincoln and McClellan. General McClellan had raised a powerful army, but seemed disinclined to actually seek battle. So Lincoln sent him a letter: “My dear McClellan: if you don’t want to use the Army I should like to borrow it for a while.” (Yes, there are various versions of the quote).

So shouldn’t that be our response to all that idle corporate cash? we don’t literally have to borrow from the corporations; they’re parking their funds in the money market, and the feds would borrow from that market. but the end result would be to put some of that idle cash to work — and, ultimately, to give the corporations a reason to start investing, too, so that the deficit spending would crowd investment in, not out.

First, the government IS borrowing a lot of cash from businesses and especially from the banks. Second, Krugman is not advocating that businesses seek better deals; no, he is quietly but obviously demanding that government confiscate this “excess cash” if businesses don’t increase their spending.

He then throws down the glove: “I have never seen a coherent objection to this line of argument.”

My sense is that Krugman has seen “coherent” arguments against this line of thinking, but simply will not acknowledge that anyone else can fashion anything contrary to his own ex cathedra pronouncements. however, in the spirit of Krugman’s challenge, I will fashion my own argument, and will lean heavily upon an economist that I really respect, Prof. Robert Higgs.

First, and most important, the “capacity” argument is a red herring that is based upon circular arguments (one of Krugman’s favorite tactics). According to Krugman, businesses have large, unused productive capacity that will only become engaged after businesses start spending again. Thus, businesses are causing their own demise, so it is up to the government to break this circular pattern of job destruction and confiscate business cash and spend it wisely.

Once again, we see Krugman claiming that the CAUSE of a recession is less spending, which he also claims in a recent column. yet, as I see it, this is a violation of what Carl Menger called “The Law of cause and Effect.” Krugman is confusing effect with cause and is missing the larger picture.

He is right that businesses (and many individuals) are putting money in relatively safe places (all of which Krugman would equate to stuffing money in one’s mattress), but his circular argument as to why simply fails on its face. however, Robert Higgs has noted many times that “regime uncertainty” on behalf of the Obama administration’s actions, which he equates to what happened during the great Depression.

In 1997, Higgs published a paper in The Independent Review on the great Depression in which he blamed the “regime uncertainty” promoted by the Roosevelt administration for the lack of long-term investment by businesses. Higgs writes:

Evidence from public opinion polls and corporate bond markets shows that FDR’s policies prevented a robust recovery of long-term private investment by significantly reducing investors’ confidence in the durability of private property rights. not until the new Deal/war economy ended and resources became available for peacetime production did private investment—and the nation’s economic health—fully recover.Higgs elaborates on the great Depression theme in this piece, using a lengthy quote from a member of FDR’s “brain trust,” noting that FDR’s anti-business rhetoric and his punitive policies toward business kept business owners from making longer-term decisions. Higgs in this column equates the current hostility to business by the Obama administration and the equally anti-business Congress to what happened with FDR and points out that we should not be surprised that the present “regime uncertainty” is not going to bring about recovery. he writes:
Speaking to CNBC in Las Vegas recently, Steve Wynn, the billionaire developer and operator of entertainment properties, said: “Washington is unpredictable these days. no one has any idea what’s next . . . the uncertainty of the business climate in America is frightening, frightening to everybody, and it’s delaying recovery.” Wynn complains of “wild, uncontrolled spending” and “unbelievable, unsustainable debt.”

Wynn also has operations in China, and he remarks that he “has no qualms about dealing with the Chinese government. Macau has been steady. the shocking, unexpected government is the one in Washington.” not very long ago, such a statement would itself have been shocking.

The gambling and real estate magnate expresses concerns about inflation, FHA’s making the same mistakes Fannie and Freddie have made, and the business costs arising from the new health-care law. “We’re on our way to Greece,” he declares, “in the hands of a confused, foolish government.” Exasperated, he mutters, “It’s got to stop. It’s got to stop.”

These observations remind me of similar statements made by investor Lammot du Pont in 1937: “Uncertainty rules the tax situation, the labor situation, the monetary situation, and practically every legal condition under which industry must operate.” even members of Franklin D. Roosevelt’s cabinet eventually appealed to him to clear the air in which private investors were finding it difficult to breathe, but he refused to do so, preferring to plunge ahead with the new Deal and to publicly blame “economic royalists” for his policies’ failures.

Now, I am sure that Krugman would claim that the above arguments are nonsense and don’t provide a “coherent” argument, but nonetheless I believe Higgs has the much stronger argument than Krugman’s claim, which is based upon circular logic.

Krugman-in-Wonderland: Krugman, Business Spending, and "Regime …

Urgent cash loans: Deliverance from Slow Process | Best Financial …

Posted by on July 9th, 2010

Loan is a fine choice to plug up the short term cash emergency. At the same time, it is also true that loan lending procedure is very lasting. it takes much time to get approved a loan. But sometime we need urgent cash for which we cannot wait. in that case, urgent cash loans are good option that one can opt for.

The most beneficial attribute of urgent cash loans are that its immediate accessibility. therefore, these loans are apt one to solve urgent cash crisis. These loans can be used for any purpose and while availing the loan, borrowers need not answer that for what purpose they are availing these loans. One thing needs to be mentioned here that these loans are obtainable at higher interest rate, as these loans are short-term loans.

Usually, urgent cash loans are accepted very simply and within a minimum time. Borrowers want to submit least documents during the application time. Only the borrower’s identification proof, his present employment details and contact number are necessary to present with submission form. But in this context, borrowers should remember that survival of a suitable checking account is necessary to avail an small personal loan. Overall, the approval process is a matter of 30 min to 1 hour and within 24 hours the loan amount is accredited to the borrower’s account.

Urgent cash loans are obtainable with a package of ?50 to ?1500. The repayment period of these loans is determined within 01 to 30 days. But extension of term period indicates the addition of extra fee along with the loan amount.

Nobody can say that when and how necessity will come for facing what urgent cash will be essential. in that case, urgent cash loans can be a faster solution. These loans are simply offered nowadays. But borrowers are advised to opt for an online option, as this option is totally hassle free. moreover, sometime, borrowers can get online urgent cash loans at moderately low rate of interest.

Related posts

Urgent cash loans: Deliverance from Slow Process | Best Financial …

Davis Henderson launches CreditPath(TM) Commercial

Posted by on June 16th, 2010

Davis + Henderson’s innovative new technology significantly simplifies Credit Lifecycle Management for Commercial Lenders

TORONTO, June 15 /PRNewswire-FirstCall/ – Davis + Henderson, a leading provider of lending technology solutions to the North American financial services industry, announced today the launch of CreditPath(TM) Commercial. This new platform, which facilitates the origination, underwriting, approvals, and funding of commercial lending deals, represents the ‘next generation’ of technology solutions for the commercial lending market.

CreditPath Commercial comes pre-configured and offers a simplified implementation tool kit, allowing commercial lenders who are interested in replacing their current platform to do so more easily than ever before. Based on Davis + Henderson’s proven underlying Cyence enterprise platform, CreditPath Commercial provides a single point of entry for deal input, streamlines the credit lifecycle by offering easy integration with customer information files and loan accounting systems, and provides built-in connectivity to a broad marketplace of industry partners including credit bureaus, appraisal service providers, and risk and portfolio management services. Communications between relationship managers, underwriters, and loan operations can take place in real-time, driving improved operational efficiencies and reduced credit and regulatory risk.

“The current commercial lending marketplace is growing increasingly complex with the demands of customers changing, the regulatory landscape shifting, and with executives being expected to better manage costs, risk and deliver a superior customer experience,” said Susan Feinberg, Senior Research Director, Wholesale Banking at TowerGroup. “Having traditionally received less IT investment than other areas, commercial lenders must take advantage of current technology to improve data quality and efficiency, both of which are more important now than ever.”

“We are very excited about bringing CreditPath Commercial to market because it allows our customers to jumpstart the implementation of a comprehensive commercial lending platform” said Greg McIntosh, Executive Vice President of Credit Solutions for Davis + Henderson. “This new technology is based on our extensive experience in the commercial lending space and represents the culmination of a journey which started with us asking our customers what was important to them so that we could ensure our solution truly met their needs.”

CreditPath Commercial reflects Davis + Henderson’s ongoing commitment to offering innovative lending technology solutions that are focused on helping its customers adapt to their rapidly changing business environment.

About Davis + Henderson

Founded in 1875, Davis + Henderson provides innovative programs, technology products, and technology based business services to customers in the financial services industry who offer deposit, lending, insurance and wealth management products to consumers and businesses.

For more information about Davis + Henderson and our comprehensive set of credit lifecycle management solutions, visit www.dhltd.com.

Contact: Davis + Henderson Greg McIntosh Executive Vice President, Credit Solutions (416) 360-1777 greg.mcintosh@dhltd.com

SOURCE Davis + Henderson Income Fund

Back to top

Davis Henderson launches CreditPath(TM) Commercial

Cash Register Till Ideas For Busy Retail Environments

Posted by on May 12th, 2010

With few industries being quite as competitive as the retail environment, it is imperative to embrace any apparatus which can help boost sales and reduce costs – and many of the leading retailers across the country are discovering that a technologically advance cash register till is more than capable of facilitating both of these objectives.

Electronic point of sale (epos) systems are highly efficient in streamlining the total sales procedure and finding the right cash register till for your own particular requirements is something that most retailers will choose to accomplish by discussing their sales targets and numbers with specialists in the field of retail computer solutions.

A cash register till may seem like it doesn’t have the capacity to revolution the sales process but such is the advancement in epos systems in the last few years alone that it is becoming increasingly difficult for retailers to survive without this form of retail cash register. the software and hardware that comes together to form these electronic point of sale (epos) cash register tills is exceptionally advanced but also extremely intuitive, so workers will take no time at all to get to grips with the technology.

Everything from hotels to nightclubs can capitalise on installing a new, and technological advanced, cash register till and many have already done so in the first few months of 2010. Countless others are sure to follow suit in the remaining months of the year as the extensive advantages of retail epos systems are simply too good to be ignored.

Cash Register till ideas for Busy Retail Environments

Debt Management Plans Help With Debt | Resort Quest Mortgage

Posted by on May 7th, 2010

Leave a Comment

If you have creditors on your back all the time, you most probably feel that there’s no way out. This will happen if you are behind in your repayments because you are on a limited budget. Most probably, you will be receiving calls from them reminding you to settle your accounts. It will be a seemingly never-ending cycle, making you feel all stressed out and helpless, especially when you see collection letters arriving one after another. to top these all off, you probably owe your creditors much more than you originally owed them since interest will be piling up because of the late payments.

The scenario described above is normal nowadays. if you are in the middle of something like this, then chances are, you feel that your nerves are being pulled in different directions. you more or less feel like there’s no way for you to escape the sorry situation that you are in now. the good news is that there is. Debt management consultants will be able to help you.

The best people who can help you in your quest of becoming debt-free are debt management consultants. they will be able to help you get your monthly creditor repayments reduced by as much as 50 percent and will also be able to help you to eliminate interest. All of these can be done through a debt plan.

Debt management consultants will be able to help you in making a debt plan. the good thing about having a debt plan is that it is not a loan. Yes, you may need to pay consultant fees, but the benefits that you will be getting will be worth it. Why? Because a debt management consultant will be able to act as liaison between you and your creditors, saving you the time as well as the possible embarrassment that you might be subjected to when dealing with them directly.

Upon deciding to take on the services of a debt management consultant, you should make sure that you get somebody you can always count on. He or she should be genuine and sincere in their approach. to be able to gauge if a debt management consultant is sincere and genuine, make sure they listen to you closely, and are sympathetic to what you are going through. It is important to trust your gut feeling. usually, your intuition will guide you in the right direction.

Looking for somebody who is genuine and sincere is not enough, though. you need to make sure that you choose a debt management consultant who is well-versed with the field. He or she should know what to do. It is important that he or she is armed with the right knowledge and expertise in order to be able to handle your financial problems the right way. Remember, hiring one based on his or her willingness to help you alone will not solve your debt problems.

It will be easier to get the right debt management consultant if you do your homework. Do a background investigation on the possible candidates. Check with your friends. you can always rely on word of mouth.

A debt plan is essential to help you reach your aim of becoming debt-free for life. Find the best debt advisers in Ireland at Debt Relief today.

Debt Management Plans Help with Debt | Resort Quest Mortgage

Australian Tax Office told to know when to end chase

Posted by on May 3rd, 2010

DEBT collectors at the Australian Taxation Office have been urged to end their pursuit of tax cheats earlier if it will provide a more cost-effective outcome than holding out for full compliance.

With the ATO recovering more than $100 billion in debt for the first time last financial year, the agency has engaged consultants to help collectors know when to end the chase.

The tax office has been in the spotlight over Operation Wickenby, its dogged pursuit of Paul Hogan and his partners, who deny wrongdoing, and its Swiss Alpine investigation.

A consultants’ report obtained by The Australian using Freedom of Information laws identified a “tension between ATO’s goals of achieving collection (revenue) effectiveness and compliance outcomes”.

The report, which the ATO was working on ahead of yesterday’s release of the Henry tax review, highlighted how the ATO and the Australian National Audit Office wanted to improve debt collection effectiveness in the short to medium term.

Start of sidebar. Skip to end of sidebar.

End of sidebar. Return to start of sidebar.

An examination of the methods used by the ATO to recover outstanding tax found that “early collection” treatment reduced the average debt by $9100, or 26 per cent, after three months, while “firmer action” reduced the average debt by $34,800, or 35 per cent, after three months.

“Our identified improvement areas focus on opportunities to drive greater focus on debt collection effectiveness, not compliance effectiveness,” the Booz & Company report states.

The consultants’ plan involves four points. The first is establishing a cut-off for the number of times a case revolves through early collections before being escalated. second, reprioritising cases selected for early collections, depending on the likelihood of a result.

Third, pushing cases that have exhausted early collection treatment options to a new level, especially when lower debts are involved. Finally, reprioritising cases for firmer action to enable a proportion to be treated earlier, so improving debt collection outcomes.

“Together, these actions are expected (on current values) to generate $210 million to $297m in additional debt collected,” it says.

In the longer term, the report suggested the ATO would benefit from new measurement and reporting capabilities to take a more objective approach to debt collection.

It found the effectiveness of early collections treatment decreased as referrals increased.

An ATO spokeswoman said debt collection processes were constantly being improved.

Australian Tax Office told to know when to end chase

Another Rally In The Main Stock Indices And Gold?

Posted by on April 30th, 2010

Three weeks ago we’ve commented on the link between the general stock market and gold, but since the situation has changed significantly since that time, we would like to provide you with a follow-up.

Let’s begin with the very-long-term chart (charts courtesy by http://stockcharts.com) of the S&P 500 Index, and then we’ll move to implications for gold.

In short – we still expect to see a general stock market correction in the not too distant future, but not right away. this week there was very little change in the S & P Large Cap index chart. The recent decline meant nothing with respect to the long-term picture although it was clearly visible on a day-to-day basis.

As we stated in a previous update, in past years, when RSI levels [based on weekly closing prices] was in the 70 range, it normally remained there for months. In the past, we have also seen stocks forming a temporary top above the 200-week moving average. Since we are not presently above it, we would expect the rally to continue until we have seen the index in or slightly above the area marked on the above chart with red ellipse. Until this takes place, it is likely that we will see the RSI fluctuate near the 70 level.

Let’s zoom in for more details.

Moving to the long-term SPY ETF chart, we do see some changes as compared to last week. The market has been consolidating for several days and this has caused the RSI (based on daily closing prices) to move much lower, actually touching the 50 level. this indicates that we are no longer in an overbought situation. We are therefore presently bullish as the trend surely appears to be upward. A further rally is likely given that the overbought situation is behind us.

Looking back to 2009, we see similarities. An overbought period was followed by an RSI plunge to 50 (marked on the chart with red ellipse) which quickly resulted in a stock market rally. Several weeks ago, we mentioned that this was likely to take place and we see it now (marked on the chart with blue ellipse).

Another Rally in The Main Stock Indices And Gold?

Market Watch: Burberry results to shed light on consumer spending …

Posted by on April 29th, 2010

Market Watch: Burberry results to shed light on consumer spending trend
A BARREN period for corporate results will come to an end this week with the release of updates from consumer-facing firms including WH Smith and associated British Foods, whi

Read more on The Scotsman: Business

Tags: , , , , , , , ,

This entry was posted on Sunday, April 18th, 2010 at 7:17 am and is filed under Sheds Plans. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

Market Watch: Burberry results to shed light on consumer spending …

30-year mortgage rates below 5 percent

Posted by on February 15th, 2010

McLEAN, Va. (AP) — Rates on 30-year fixed mortgages fell slightly this week, dipping below 5 percent, the mortgage financier Freddie Mac said Thursday.

The average rate on a 30-year fixed mortgage was 4.97 percent this week, down from an average of 5.01 percent last week. last year at this time, the rate for a 30-year fixed mortgage averaged 5.16 percent, Freddie Mac said.

Rates fell to a record low of 4.71 percent in early December.

They have held around 5 percent thanks to a Federal Reserve program to pump $1.25 trillion into mortgage-backed securities to try to keep rates low and make home buying more affordable. That program is set to end March 31.

Low rates also can spur refinancing activity. more than two out of three mortgage applications were for refinance transactions over the first six weeks of this year, according to the Mortgage Bankers Association.

Freddie Mac collects mortgage rates on Monday through Wednesday of each week from lenders around the country. Rates often fluctuate significantly, even within a given day, often in line with long-term Treasury bonds.

The average rate on 15-year fixed-rate mortgages fell to 4.34 percent from 4.40 percent last week, according to Freddie Mac.

30-year mortgage rates below 5 percent

Financial Calculator upcoming Joomla – Posted In *Joomla Templates …

Posted by on February 2nd, 2010

The new free Joomla template by Themza, scheduled for release later this week, will support 4 columns and will be available in 3 colors – green, red and violet. As its name (Financial Calculator) implies the template will be suitable for any financially oriented business websites. to learn more about the template’s layout characteristics and customization options – take a look at the 2-minute long trailer video in YouTube and ThemZa (HD) formats. When released Financial Calculator will be supported by a step-by-step video guide on customizing its layout in accordance with your specific requirements.

Supported features: JavaScript-based main menu, pre-defined Joomla modules, customize logo & promo boxes options, etc.

Tags: , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,
Related posts

Comments

Got something to say?

Financial Calculator upcoming Joomla – Posted In *Joomla Templates …