Stocks Wobble Overnight As China Tremors Get Louder

All eyes were on China overnight, where first the PBOC drained a quite substantial CNY 100 billion in liquidity via 14 day repos in the month following the biggest credit injection on record, pushing those worried about China’s credit schizophrenia to the edge, and then things got even more bizarre when in an act of clear PBOC intervention, the CNY dropped to the lowest since August 2013 as concerns about the global carry trade’s impact on China (as noted here previously) start to reverberate. We will have more to say about China’s Yuan intervention, but what should be noted is that the Shanghai Composite has tumbled nearly 10% in the past week, and was down another 2% overnight and is once again just barely above 2000, a level it can’t seem to get away from for years (which is fine: recall that the real bubble in China is not the stock but the housing market). Chinese property stocks dropped to 8-month lows as concern continues about bank’s withdrawing some liquidity for the asset class.The USDJPY drifted along and after rising to a resistance level of about 102.600 has since slide just shy of its 102.20 support area which means US equity futures are now in the red, and concerns that the S&P 500 may not close at a new record high are start to worry the technicians.

In other news, touted profit taking and carry-over of the cautious sentiment regarding the recent advance by USD/CNY rate (rose to its highest level since August 2013), allied to the PBOC draining of CNY 100bln via 14-day repos resulted in the Shanghai underperforming its peers prompting a lower open in Europe. In turn, in spite of the Nikkei 225 settling higher following the record close on Wall Street (S&P), flight to quality flows buoyed demand for safehave assets and prompted squaring of long USD/JPY positions. Consequent USD weakness supported EUR/USD this morning, with GBP/USD also benefiting from comments by BoE’s McCafferty who said that if GBP rises more BoE would then need to consider it strength when setting further monetary policy and that UK exports were not being affected by the strong GBP. Elsewhere, despite the lacklustre performance by stocks this morning, Bunds also traded lower, weighed on by the looming supply and good demand for the new 7y bond launch by the ESM. Going forward, market participants will get to digest the release of the latest House Price Index, Richmond Fed Manufacturing and Consumer Confidence reports. Also, the US Treasury will auction off USD 32bln in 2y notes.

Bulletin headline summary from BBG and RanSsquawk

  • USD/CNY advanced to its highest level since August 2013 overnight, above the 200DMA line, amid speculation that the PBOC is engineering a temporary correction aimed at discouraging investor demand before widening the trading band in Q2 following the National People’s Congress on March 5th.
  • Goldman Sachs revises ECB view and expects the central bank to ease in April after previously seeing rates on hold, sees around a 15bps cut to Refi rate and Deposit rate as most likely.
  • BoE’s McCafferty says if GBP rises more BoE would then need to consider its strength when setting further monetary policy.
  • Treasuries steady as week’s $109b auction cycle begins with $32b 2Y notes; yielding 0.356% in WI trading after drawing 0.36% in January; 2Y FRNs and 5Y notes tomorrow with 7Y notes on Thursday.
  • S&P 500 closed at record high yesterday while IG corporate calendar topped $10b, led by $8b in 7 parts from Cisco
  • China’s yuan tumbled the most in more than a year and the Shanghai Composite dropped the most in five months on speculation PBOC wants an end to the currency’s steady appreciation
  • Chinese property shares fell to an eight-month low as Industrial Bank Co.’s suspension of mezzanine financing for developers fueled speculation lenders may pare real- estate funding
  • Ukraine will select a national unity government on Feb. 27, delaying a vote in parliament that had been planned for today, interim leader Oleksandr Turchynov said
  • The office of Turkish Prime Minister Erdogan said alleged leaked conversations of him discussing hidden funds are fake — a denial that was ignored by opposition leaders who called for his resignation
  • S&P said a meeting between Obama and Geithner in 2011 just before the company was warned to expect a response to its downgrade of U.S. debt justifies its request to see White House communications to defend itself against fraud claims
  • Sovereign yields mostly higher. EU peripheral spreads tighter. Nikkei +1.44%; Shanghai Composite falls 2%. European stocks lower, U.S. stock-index futures decline. WTI crude, gold and copper fall

US Event Calendar

  • 9:00am: FHFA House Price Index m/m, Dec., est. 0.3% (prior 0.1%); House Price Purchase Index q/q, 4Q, est. 1% (prior 1.96%)
  • 9:00am: S&P/Case Shiller Home Price Index 20 City m/m, Dec., est. 0.6% (prior 0.88%);
    • S&P/CS y/y,  Dec., est. 13.4% (prior 13.71%)
    • S&P/CS NSA, Dec., est. 165.5 (prior 165.8)
    • S&P/CS y/y, 4Q (prior 11.18%)
    • S&P/CS NSA, 4Q (prior 150.92)
  • 10:00am: Consumer Confidence Index, Feb., est. 80 (prior 80.7)
  • 10:00am: Richmond Fed Manufacturing Index, Feb., est. 5 (prior 12)
  • 1:00pm: U.S. to sell $32b 2Y notes
  • POMO 11:00am: Fed to purchase $2.25b-$2.75b in 2021-2024 sector

Asian Headlines

USD/CNY advanced to its highest level since August 2013 overnight, above the 200DMA line, amid speculation that the PBOC is engineering a temporary correction aimed at discouraging investor demand before widening the trading band in Q2 following the National People’s Congress on March 5th. At the same time, recent reports of Chinese lenders reducing lending to property developers, together with somewhat mixed macroeconomic data may have also contributed to the depreciation of the currency, creating two-way volatility. This morning, China’s SAFE said that potential market factors may trigger 2-way capital flows and QE tapering may help relieve ‘CNY appreciation pressure’, adding that QE tapering has no big impact on Chinese capital flows.

EU & UK Headlines

Goldman Sachs revises ECB view and expects the central bank to ease in April after previously seeing rates on hold, sees around a 15bps cut to Refi rate and Deposit rate as most likely. Analysts also said that a likely cut in April should be interpreted as mostly cosmetic, aimed at buying time to better assess risk of outright deflation.

BoE’s McCafferty says if GBP rises more BoE would then need to consider it strength when setting further monetary policy. (RTRS)
– Would consider slightly earlier rate rise if inflation pressure bigger than expected.
– Market expectations of first BoE rate hike in Q2 2015 ‘not unreasonable’ and the risks of an earlier or later rate hike by the BoE ‘reasonably well balanced’.

Talks between the Greek government and the Troika have stalled over the capital needs of the Greek banking sector, with the central bank estimating EUR 6bln requirements for the banking sector, and the Troika foreseeing EUR 20bln. (FT)

Germany is considering giving Greece more autonomy over reform decisions to take if it requires a 3rd bailout package. (Die Welt) This would result in the Troika having less influence and power on how Greece should reform.

UK BBA Loans for House Purchase (Jan) M/M 49972 vs. Exp. 47150 (Prev. 46521, Rev. 47086) – highest since September 2007.

Barclays preliminary pan-Euro agg month-end extensions: (+0.07y) (12m avg. +0.07y)
Barclays preliminary Sterling month-end extensions:(+0.05y) (12m avg. +0.06y)

US Headlines

President Obama will meet with House Speaker John Boehner (R-Ohio) Tuesday morning in the Oval Office, according to the White House. (TheHill.com)

The meeting comes just a week before the president is set to officially unveil his budget proposal, and ahead of a narrow window for legislative work before members of Congress head back to their districts to campaign.

Barclays preliminary US Tsys month-end extensions:(+0.12y) (12m avg. +0.07y) – Large extension is a result of the refunding auctions earlier this month.

Equities

Concerns over the slowdown in China weighed on basic materials sector, which in turn meant that the commodity heavy FTSE-100 index underperformed its peers, with the likes of Rio Tinto and Anglo American leading the move lower. In terms of other notable stock movers, French listed Vivendi shares fell around 5% after the company failed to match earnings estimates metrics.

This morning, Home Depot reported Q4 Adj. EPS USD 0.67 vs. Exp. USD 0.71

FX

Cautious sentiment stemming from concerns over the slowdown in China meant that USD/JPY and EUR/CHF traded lower this morning, with USD/JPY testing the 21DMA level to the downside in the process. Of note, 101.50 and 102.50 mark good size expiring option strikes. Elsewhere, after failing to make a convincing break above the 21DMA line, EUR/ GBP reversed and moved into negative territory following comments by BoE’s McCafferty.

Commodities

IMF data showed that during January the Euro area raised gold holdings by 7.776 tonnes to 10,787.434 tonnes, while Turkey cut its gold holdings by 31.171 tonnes to 488.578 tonnes. (RTRS)

Indonesia took the first step yesterday towards easing its export tax on ore concentrates, in its first rollback of recent new rules, offering a reprise to firms who build smelters in the country. (RTRS)

A Pakistan-Iran gas pipeline has been delayed due to sanctions, with construction to be completed within 30-36 months after sanctions are lifted. (BBG)
Iran has denied a report it signed a deal to sell arms to Iraq. (BBG)

* * *

In conclusion, here is Jim Reid’s overnight recap

Markets were certainly honey coated yesterday after a difficult start. After falling 5.8% from its record close on January 15th, the S&P 500 last night (+0.62%) clawed back these losses and intraday hit fresh record highs before selling off slightly into the close just shy of the all time highs. Meanwhile the Stoxx 600 (+0.6%) hit six-year highs and Crossover hit its lowest levels of the year and indeed this cycle. After a weak lead in from China, the eventual 15% rally in the Ukraine stock market seemed to help sentiment as did the recent steady stream of M&A activity. Indeed events in Ukraine continued to move at pace yesterday as Ukraine’s interim interior minister announced that an arrest warrant had been issued for Mr Yanukovych whose whereabouts is unknown. Later on yesterday Russia weighed in with PM Medvedev stating that the interim authorities in Kiev had conducted an, “armed mutiny,” and that Western support for the new authorities was an, “aberration of perception.” Meanwhile the EU foreign policy chief Catherine Ashton was in Kiev to meet Interm President Turchynov. Whilst concerns have been growing over the ability of Ukraine to meet its debt obligations if Russia withdrew its financial support the US said it was ready to give financial support to complement any future loan from the IMF.

Political tensions continue to ripple through many emerging markets and yesterday saw Egypt’s interim government resign unexpectedly amid continuing strikes and a shortage of cooking gas. The resignation comes at a bad time for the country as it prepares for a presidential election in the next two months.

Outside of EM, Italy yesterday saw new Prime Minister Matteo Renzi deliver a speech to the Senate before they hold a vote of confidence in his new government. In his speech he discussed a series of electoral and economic reforms he wished to enact however his speech was somewhat light on details. Whilst Renzi won the confidence vote in the 320 seat Senate with the vote coming in at 169-139, this is less than the 173 votes that his predecessor Enrico Letta achieved in a vote on December 11th leaving him with a smaller majority. A second vote will take place today in the Lower House where his majority should be larger give his PD party holds 293 of the 630 seats (vs 108 of the 320 Senate seats).

Overnight in Asia we’ve seen a broadly positive session as the Nikkei is +1.4% as we type and the Hang Seng +0.48%. The Chinese Yuan is seeing its largest fall YTD, down 0.27% against the dollar, with the Shanghai Composite down by around -0.25% and property stocks at 8-month lows as concern continues about bank’s withdrawing some liquidity for the asset class.

Looking ahead to today, in Europe we have a busy spread of data with the final reading of German Q4 GDP numbers front and centre. Consensus is for a QoQ growth number of+0.4%, in line with the preliminary reading, and a YoY number of +1.4%. This Q4 number would continue to leave Germany as an outperformer within Europe compared to the Q4 preliminary readings we have for the likes of France (+0.3%), Spain (+0.3%) and Italy (+0.1%). On the German data we will also get the various components of the Q4 growth number with a general expectation that whilst private consumption will be weak (-0.1%) other factors such as export growth (+1.7%) and capital investment (+0.8%) will help the German economy to expand. Today will also see the European Commission issue its Winter Economic Forecasts, with Olli Rehn delivering the growth forecasts in a press conference at 12:45 GMT. In its last forecasts in November the Commission predicted +1.1% growth in 2014 for the Euro zone so it will be interesting to see how the Commission’s view on the economy has developed over the past quarter.

Over in the US we get a whole raft of official and S&P/Case-Shiller housing data for Q4 and December 2013. We will also have the February reading of the Consumer Confidence Index and the Richmond Fed Manufacturing Index. We will also hear from the Fed’s Tarullo who is speaking at the National Association of Business Economics annual policy conference and also Dudley who is speaking at a Basel event in New Zealand.


    



via Zero Hedge http://ift.tt/NtX3Wf Tyler Durden

Bitcoin Community Gangs Up On “Bad Actor” Mt. Gox

Much as we are not surprised, given our previous discussion of the end of major Bitcoin exchange Mt. Gox, this evening's release by Coinbase must be the final nail in the final coffin of the Tokyo-based firm…

The purpose of this document is to summarize a joint statement to the Bitcoin community regarding Mt.Gox. … As with any new industry, there are certain bad actors that need to be weeded out, and that is what we are seeing today. 

And scene…

 

 

Via Coinbase blog,

The purpose of this document is to summarize a joint statement to the Bitcoin community regarding Mt.Gox.

This tragic violation of the trust of users of Mt.Gox was the result of one company’s actions and does not reflect the resilience or value of bitcoin and the digital currency industry. There are hundreds of trustworthy and responsible companies involved in bitcoin. These companies will continue to build the future of money by making bitcoin more secure and easy to use for consumers and merchants.  As with any new industry, there are certain bad actors that need to be weeded out, and that is what we are seeing today.  

We are confident, however, that strong Bitcoin companies, led by highly competent teams and backed by credible investors, will continue to thrive, and to fulfill the promise that bitcoin offers as the future of payment in the Internet age.

In order to re-establish the trust squandered by the failings of Mt. Gox, responsible bitcoin exchanges are working together and are committed to the future of bitcoin and the security of all customer funds. As part of the effort to re-assure customers, the following services will be coordinating efforts over the coming days to publicly reassure customers and the general public that all funds continue to be held in a safe and secure manner: Coinbase, Kraken, BitStamp, Circle, and BTC China.

We strongly believe in transparent, thoughtful, and comprehensive consumer protection measures. We pledge to lead the way.

Bitcoin operators, whether they be exchanges, wallet services or payment providers, play a critical custodial role over the bitcoin they hold as assets for their customers.  Acting as a custodian should require a high-bar, including appropriate security safeguards that are independently audited and tested on a regular basis, adequate balance sheets and reserves as commercial entities, transparent and accountable customer disclosures, and clear policies to not use customer assets for proprietary trading or for margin loans in leveraged trading.

The following industry leaders stand by this statement:

 

Fred Ehrsam — Co-founder of Coinbase

Jesse Powell — CEO of Kraken

Nejc Kodric — CEO of Bitstamp.net

Bobby Lee — CEO of BTC China

Nicolas Cary — CEO of Blockchain.info

Jeremy Allaire — CEO of Circle

 

Interestingly, Coinbase's original title of their post was a little more aggressive…

which contained this line…

This is the first public declaration that the exchange — which has been facing major issues in terms of allowing users to withdraw funds — is insolvent.

which was rapidly removed and replace with this less aggressive one…


    



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The Conspiracy Theory Is True: Agents Infiltrate Websites Intending To “Manipulate, Deceive, And Destroy Reputations”

In the annals of internet conspiracy theories, none is more pervasive than the one speculating paid government plants infiltrate websites, social network sites, and comment sections with an intent to sow discord, troll, and generally manipulate, deceive and destroy reputations. Guess what: it was all true.

And this time we have a pretty slideshow of formerly confidential data prepared by the UK NSA equivalent, the GCHQ, to confirm it, and Edward Snowden to thank for disclosing it. The messenger in this case is Glenn Greenwald, who has released the data in an article in his new website, firstlook.org, which he summarizes as follows: “by publishing these stories one by one, our NBC reporting highlighted some of the key, discrete revelations: the monitoring of YouTube and Blogger, the targeting of Anonymous with the very same DDoS attacks they accuse “hacktivists” of using, the use of “honey traps” (luring people into compromising situations using sex) and destructive viruses. But, here, I want to focus and elaborate on the overarching point revealed by all of these documents: namely, that these agencies are attempting to control, infiltrate, manipulate, and warp online discourse, and in doing so, are compromising the integrity of the internet itself.” Call it Stasi for “Generation Internet.”

Greenwald’s latest revelation focuses on GCHQ’s previously secret unit, the JTRIG (Joint Threat Research Intelligence Group).

Among the core self-identified purposes of JTRIG are two tactics: (1) to inject all sorts of false material onto the internet in order to destroy the reputation of its targets; and (2) to use social sciences and other techniques to manipulate online discourse and activism to generate outcomes it considers desirable. To see how extremist these programs are, just consider the tactics they boast of using to achieve those ends: “false flag operations” (posting material to the internet and falsely attributing it to someone else), fake victim blog posts (pretending to be a victim of the individual whose reputation they want to destroy), and posting “negative information” on various forums. Here is one illustrative list of tactics from the latest GCHQ document we’re publishing today:

Other tactics aimed at individuals are listed here, under the revealing title “discredit a target”:

Then there are the tactics used to destroy companies the agency targets:

Critically, the “targets” for this deceit and reputation-destruction extend far beyond the customary roster of normal spycraft: hostile nations and their leaders, military agencies, and intelligence services. In fact, the discussion of many of these techniques occurs in the context of using them in lieu of “traditional law enforcement” against people suspected (but not charged or convicted) of ordinary crimes or, more broadly still, “hacktivism”, meaning those who use online protest activity for political ends.

The title page of one of these documents reflects the agency’s own awareness that it is “pushing the boundaries” by using “cyber offensive” techniques against people who have nothing to do with terrorism or national security threats, and indeed, centrally involves law enforcement agents who investigate ordinary crimes:

Greenwald’s punchline is disturbing, and is sure to make paradnoid conspiracy theorists crawl even deeper into their holes for one simple reason: all of their worst fears were true all along.

No matter your views on Anonymous, “hacktivists” or garden-variety criminals, it is not difficult to see how dangerous it is to have secret government agencies being able to target any individuals they want – who have never been charged with, let alone convicted of, any crimes – with these sorts of online, deception-based tactics of reputation destruction and disruption.

 

The broader point is that, far beyond hacktivists, these surveillance agencies have vested themselves with the power to deliberately ruin people’s reputations and disrupt their online political activity even though they’ve been charged with no crimes, and even though their actions have no conceivable connection to terrorism or even national security threats. As Anonymous expert Gabriella Coleman of McGill University told me, “targeting Anonymous and hacktivists amounts to targeting citizens for expressing their political beliefs, resulting in the stifling of legitimate dissent.” Pointing to this study she published, Professor Coleman vehemently contested the assertion that “there is anything terrorist/violent in their actions.”

At this point Greenwald takes a detour into a well-known topic: Cass Sunstein. Who is Cass Sunstein? Recall: “Obama Picks Cass Sunstein (America’s Goebbels?) To Serve On NSA Oversight Panel.”

Government plans to monitor and influence internet communications, and covertly infiltrate online communities in order to sow dissension and disseminate false information, have long been the source of speculation. Harvard Law Professor Cass Sunstein, a close Obama adviser and the White House’s former head of the Office of Information and Regulatory Affairs, wrote a controversial paper in 2008 proposing that the US government employ teams of covert agents and pseudo-”independent” advocates to “cognitively infiltrate” online groups and websites, as well as other activist groups.

 

Sunstein also proposed sending covert agents into “chat rooms, online social networks, or even real-space groups” which spread what he views as false and damaging “conspiracy theories” about the government. Ironically, the very same Sunstein was recently named by Obama to serve as a member of the NSA review panel created by the White House, one that – while disputing key NSA claims – proceeded to propose many cosmetic reforms to the agency’s powers (most of which were ignored by the President who appointed them).

But while until now there was speculation that Sunstein’s policies had been implemented, there was no proof. That is no longer the case:

… these GCHQ documents are the first to prove that a major western government is using some of the most controversial techniques to disseminate deception online and harm the reputations of targets. Under the tactics they use, the state is deliberately spreading lies on the internet about whichever individuals it targets, including the use of what GCHQ itself calls “false flag operations” and emails to people’s families and friends. Who would possibly trust a government to exercise these powers at all, let alone do so in secret, with virtually no oversight, and outside of any cognizable legal framework?

What is perhaps most disturbing is the level of detail these modern day Stasi agents engage in, paradoxically proposing social subversion without realizing they themselves would be susceptible to just that. And all it would take is one whistleblower with a conscience:

Under the title “Online Covert Action”, the document details a variety of means to engage in “influence and info ops” as well as “disruption and computer net attack”, while dissecting how human being can be manipulated using “leaders”, “trust, “obedience” and “compliance”:

The documents lay out theories of how humans interact with one another, particularly online, and then attempt to identify ways to influence the outcomes – or “game” it:

Greenwald’s conclusion is spot on:

These agencies’ refusal to “comment on intelligence matters” – meaning: talk at all about anything and everything they do – is precisely why whistleblowing is so urgent, the journalism that supports it so clearly in the public interest, and the increasingly unhinged attacks by these agencies so easy to understand. Claims that government agencies are infiltrating online communities and engaging in “false flag operations” to discredit targets are often dismissed as conspiracy theories, but these documents leave no doubt they are doing precisely that.

 

Whatever else is true, no government should be able to engage in these tactics: what justification is there for having government agencies target people – who have been charged with no crime – for reputation-destruction, infiltrate online political communities, and develop techniques for manipulating online discourse? But to allow those actions with no public knowledge or accountability is particularly unjustifiable.

So the next time you run into someone in a chat room or a message board who sounds just a little too much like a paid government subversive… it may not be just the paranoia speaking. The full details of just why note are shown below.

The Art of Deception by zerohedge


    



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Another “Successful Banker” Found Dead

The dismal trail of dead bankers continues. As The Journal Star reports, a successful Lincoln businessman and member of a prominent local family died last week. Former National Bank of Commerce CEO James Stuart Jr. was found dead in Scottsdale, Ariz., the morning of Feb. 19. A family spokesman did not say what caused the death. This brings the total of banker deaths in recent weeks to 9 as Stuart is sadly survived by three sons and four daughters.

 

 

Mr Stuart’s background (via The Journal Star),

Stuart was a native of Lincoln and graduated from the University of Nebraska-Lincoln with a degree in Business Administration.

 

In 1969, Stuart joined Citibank in New York City and served as a loan officer until 1973, when he joined First Commerce Bancshares (then NBC Co.) as executive vice president. He was named president in 1976, chairman and CEO in 1978, and also became chairman and CEO of National Bank of Commerce in 1985. Stuart spent his life building the organization into an important business voice in Lincoln, friend and colleague Brad Korell said.

 

“He was a very successful banker,” said Korell, who worked with Stuart for more than 30 years. “I always felt that he was a visionary. He really did build one of the most successful and admired banking organizations in the Midwest.”

 

Stuart spent much of his career with First Commerce Bancshares, a $3 billion multi-bank holding company headquartered in Lincoln. First Commerce was sold to Wells Fargo in 2000.

 

He is a former member of the Nebraska Game and Parks Commission and was appointed by Gov. Dave Heineman to the board of the Nebraska Environmental Trust in 2008. Stuart was also involved with natural resources-related groups such as Nature Conservancy, Ducks Unlimited and U.S. National Forest Foundation.

 

He served on the international board of the Juvenile Diabetes Foundation and the boards of the University of Nebraska Foundation and Nebraska Wesleyan University.

 

According to Korell, Stuart was living in Scottsdale, overlooking his family’s financial investments, as well as golfing and fishing.

Which brings the total number of recent banker deaths to 9 (via Intellihub):

1 – William Broeksmit, 58-year-old former senior executive at Deutsche Bank AG, was found dead in his home after an apparent suicide in South Kensington in central London, on January 26th.

2- Karl Slym, 51 year old Tata Motors managing director Karl Slym, was found dead on the fourth floor of the Shangri-La hotel in Bangkok on January 27th.

3 – Gabriel Magee, a 39-year-old JP Morgan employee, died after falling from the roof of the JP Morgan European headquarters in London on January 27th.

4 – Mike Dueker, 50-year-old chief economist of a US investment bank was found dead close to the Tacoma Narrows Bridge in Washington State.

5 – Richard Talley, the 57 year old founder of American Title Services in Centennial, Colorado, was found dead earlier this month after apparently shooting himself with a nail gun.

6 -Tim Dickenson, a U.K.-based communications director at Swiss Re AG, also died last month, however the circumstances surrounding his death are still unknown.

7 – Ryan Henry Crane, a 37 year old executive at JP Morgan died in an alleged suicide just a few weeks ago.  No details have been released about his death aside from this small obituary announcement at the Stamford Daily Voice.

8 – Li Junjie, 33-year-old banker in Hong Kong jumped from the JP Morgan HQ in Hong Kong this week.


    



via Zero Hedge http://ift.tt/1cJvu4E Tyler Durden

10 Stories From The Cold, Hard Streets Of America That Will Break Your Heart

Submitted by Michael Snyder of The Economic Collapse blog,

If the economy is really "getting better", then why have millions upon millions of formerly middle class Americans been pushed to the point of utter despair?  The stories that you are about to read are absolutely heartbreaking.  I don't know how anyone can read them without getting chills.  In America today, if you lose a good job, there is a good chance that you will get back on your feet before too long.  But there is also a good chance that you won't be able to find a decent job and will plunge into the abyss of depression and desperation that so many millions of other Americans have fallen into.

As I wrote about earlier this month, the U.S. economy is definitely not getting any better.  For example, if you assume that the percentage of Americans that want to work is about at the long term average, then the official unemployment rate in the United States would be above 11 percent.  And compared to six years ago, 1,154,000 fewer Americans are working today even though our population has gotten significantly larger since then.  Behind all of these numbers are real flesh and blood people, and you are about to hear from some of them. 

The following are 10 stories from the cold, hard streets of America that will break your heart…

#1 A 34-year-old man named Rocco

"While my wife goes to work, I’ve been staying at home to conserve fuel. I’ve been losing weight from eating less, so my family has more on their plates. It feels like the government and big business expect more and more while trying to give back as little as possible. Soon my internet connection will be shut off and since most companies don’t offer paper applications, how will I find work then? Walking around for miles a day, asking for an application that may or may not be available?"

#2 Homeless people wasting away in "Obamavilles" on the outskirts of Baltimore, Maryland…

A sheet of plastic laid over a clothesline. A mini-fortress of milk crates stacked under a tree. A thin mattress on a flimsy crate lying in a dark tunnel.

On the edge of Baltimore's woodlands, dozens of the city's transients live in makeshift homes which they consider safer than homeless shelters.

You can see some incredible photos of how these homeless people are living right here.

#3 A 50-year-old woman in Pennsylvania named Karen

"My husband only makes 10 dollars an hour and drives 30 miles round trip, so it’s taking all we have just to keep the Jeep filled with gas. We stopped going to church and all to save gas. We are homebodies now, afraid to use what gas we have. We save two kids from getting put in foster care just to be hit like this. It’s just a constant trap they try to keep you from receiving any help! I’m so disgusted when my 12-year-old asks me why we don’t have snacks anymore, or why are we eating so much rice, etc."

#4 The following is an excerpt from a comment that was recently left by one of my readers

"I live right at ground zero. South West Virginia and let me tell you things are bad and getting worse by the day. We don't do drugs but have family members hooked on meth and or pills or both. Many of these pills are prescribed by local doctors either Suboxone to get you off the opiates, a total joke by the way and tons of Xanax why would anyone need 120 Xanax a month how can you even be expected to function. These pills get traded for cash sex and other items, same goes for the SNAP cards. We have family members going to jail repeatedly for the same crimes making meth, selling pills and stealing anything that's not nailed down. People who are 30 years old look like they are 55 years old. The jobs here are awful walmat, gas stations, fast food etc. Most of our whole county is on the government dole."

#5 A 55-year-old man from California named Randy Carpadus

"I was working as a firefighter for the state of California and was laid off in April 2012, right at the beginning of fire season. At my age, I'm not going to be picked up by another fire department. They want younger guys.

 

I've applied for everything from truck driver, to sales, to nonprofit work. I've sent out almost 400 resumes, and I've gotten nothing. I've done whatever I could to make ends meet.

 

Through some connections, I got a temp job as a truck driver in Napa Valley — a 3-hour commute from where I live. I lived in my car and worked during grape harvest."

#6 In this tough economic environment, debt collectors are becoming even more aggressive.  Just check out the kind of harassment that one woman named Jennifer Posey has been put through…

"This is Jimmy Lee calling from CheckCare. Just letting you know we're in full force," he said. The man had a thick Southern accent that stretched the word "you" into a two-syllable accusation. "We're going to have warrants out for your arrest in Columbus, Ga.," the man threatened. "We know you have an apartment on the canal in Clearwater."

 

It was when he mentioned her home in Florida that Posey began to feel anxious. "We're hurting you," he continued. "We're hurting your family, your son's family, your cousin's family. Whatever we can do to get you to pay."

 

Forty minutes later, her phone rang again. "What about that 12-, 13-year-old child you're trying to raise?" the voice sneered.

#7 A 50-year-old woman from New York named Sharon Ritchie

"I am constantly told I am 'overqualified.' I've also been told to dumb down my resume, but I can't just erase 30 years of experience.

You can only stand the word 'no' so many times. There are times that I cry at night wondering what happened, and at times I have thought about suicide.

 

But, I keep on going, hoping the cycle will break."

#8 In response to my recent article about Appalachia, a reader named Rob shared the following…

"I am from rural south central KY (Brodhead, Rockcastle County) and I can tell you that most of the things described above are exactly how it is here. There are so many people on drugs it's crazy. First it was the meth, which was more of a problem back in 2002-2007, then the pain pills really started becoming a huge problem, OxyContin and perc 30's (roxicet) obtained from Florida and Georgia doctors. The pain pills are something that you can't just walk away from after doing them for a while; they cause people to steal from family, sell everything they own, and/or prostitute themselves in order to avoid opiate withdrawal."

#9 A 30-year-old man from California named Alejandro

"I need to provide for my son who is diagnosed with autism and my baby girl. I’ve sold a bunch of my belongings to try and put food on the table, to buy clothes for my kids, to pay rent and utilities and to put gas in my vehicle to go job hunting. Not having money for necessities takes a toll on my mind. Depression has kicked in. It really takes a toll on one’s self-esteem and confidence to move forward.I’ve applied to countless amounts of jobs, only to not even get a call back. I’ve gone from construction site to construction site, only to be told they are not hiring. Finally, I got at least a positive call back from a company telling me they will call me to work in a couple of weeks. I am crossing my fingers and praying. There are millions of people in my situation or even worse."

#10 An excerpt from a heartbreaking letter that an unemployed woman named Paula Bray sent to Barack Obama…

Dear Mr. President,

 

I write to you today because I have nowhere else to turn. I lost my full time job in September 2012. I have only been able to find part-time employment — 16 hours each week at $12 per hour — but I don't work that every week. For the month of December, my net pay was $365. My husband and I now live in an RV at a campground because of my job loss. Our monthly rent is $455 and that doesn't include utilities. We were given this 27-ft. 1983 RV when I lost my job.

 

This is America today. We have no running water; we use a hose to fill jugs. We have no shower but the campground does. We have a toilet but it only works when the sewer line doesn't freeze — if it freezes, we use the campground's restrooms. At night, in my bed, when it's cold out, my blanket can freeze to the wall of the RV. We don't have a stove or an oven, just a microwave, so regular-food cooking is out. Recently we found a small toaster oven on sale so we can bake a little now because eating only microwaved food just wasn't working for us. We don't have a refrigerator, just an icebox (a block of ice cost about $1.89). It keeps things relatively cold. If it's freezing outside, we just put things on the picnic table.

Sadly, this is just the beginning.

The economic despair that we are witnessing right now is just a taste of the horrible economic nightmare that is going to unfold in the United States during the coming years.

And already there are signs that things are starting to take another turn for the worse.  In recent months, we have seen a whole host of retail chains announce store closings.  In fact, one of my readers wrote to me the other day and told me about a home appliance chain known as "American TV" that is going out of business in the Midwest.  When these stores shut down, close to another 1000 Americans will soon be out of work

“While this is a sad moment it is also a proud moment. It’s a moment to be proud of our efforts and to be proud of what we have delivered to the community”, said Doug Reuhl, President and CEO of American since 1988. “Words cannot adequately express how grateful we are to our millions of loyal customers, and to the incredible, dedicated family of employees that we have been blessed with over our 60 years of business”.

 

Advanced notice of the business closing has been given to the 989 employees affected in eleven locations. Employees will be compensated, with benefits, through the notification period, and the majority will continue employment through the closing process.

But if you listen to the mainstream media, you would think that happy days are here again for America.  Just check out some of the bizarre headlines that I have collected in recent weeks…

CNBC: "Stop whining! The US economy is in good shape"

USA Today: "Economists: U.S. will see better growth in '14"

Newsday: "Why the economy isn't doomed"

Most Americans will buy into this propaganda and will never see the next major economic crisis coming until it is too late to do anything about it.

So what do you think about all of this?


    



via Zero Hedge http://ift.tt/1ci0xkM Tyler Durden

Crushing The “US Is Decoupling” Meme (In One Simple Chart)

With US equity markets hitting fresh all-time highs (as much of the rest of the world is 10-15% off its highs and falling), the meme that rules the “common knowledge” talking-head world is “US decoupling” or yet another version of ‘cleanest dirty shirt’. Well, as much as we hate to steal the jam from many an asset-gatherer’s donut, the BIS provides us with a simple quick efficient guide to show that no, not all…as the BIS finds the US business cycle is entirely co-dependent on Asian (and Emerging Market) economic cycles. Perhaps it is snowing everywhere in the world?

 

The co-movement of the US economy and Asia (DM and EM) has increased dramatically since the financial crisis…

h/t @GeorgeMagnus1

As the BIS explains…

Standard measures of real economic co-movement between Asia-Pacific economies and those elsewhere had been observed to follow a downward trend, leading some commentators to suggest that the region was decoupling.

 

However, this process reversed in response to the International Financial Crisis, and co-movement increased to historically high levels for some economies. We examine co-movement patterns and show that these are very sensitive to changes in macroeconomic volatility over time.

 

Controlling for this, however, co-movement is closely linked to underlying trade and financial integration. If international links continue to strengthen in future, co-movement will strengthen in tandem.

 

Decoupling is more a fiction than a fact or a forecast

 

Full PDF defaming the decoupling myth here.


    



via Zero Hedge http://ift.tt/1h7Vc4x Tyler Durden

JPMorgan To Fire Thousands

Following last year’s realization that mortgage origination as a product line is effectively dead (which has forced such origination dependent banks as Wells Fargo to return to subprime lending in hopes of keeping the revenue stream alive, knowing full well how it all ends), and that only investors and “all cash” buyers are keeping the myth of the housing recovery alive on their shoulders, banks fired tens of thousands of workers in the mortgage business hoping to stem the bottom line bleeding from the collapse in revenues. It turns out that they didn’t fire enough and/or that the housing market contraction was far worse than even the banks, in their most, pessimistic forecasts, had expected. Case in point: JPMorgan, which after firing 15,000 in its mortgage business, has just revealed it will fire thousands more.

From the FT:

Several thousand more cuts are planned, according to people familiar with the matter, and could be announced at JPMorgan’s annual investor day on Tuesday. They are part of a new efficiency drive at the largest US bank by assets that also encompasses staffing branches with fewer employees.

 

Profitability at JPMorgan remains stronger than at competitors such as Bank of America and Citigroup but the bank is looking to find new savings, partly because of technology that allows greater automation of clerical functions in branches and partly because of a plunge in demand for mortgage refinancings.

 

Rising interest rates have stifled demand, causing the biggest banks to cut tens of thousands of positions over the past two years. The additional cuts at JPMorgan are expected to number more than 2,000, evidence of the steep decline in demand even in the past 12 months.

 

The bank, which employs more than 250,000 people, is also looking to cut thousands of jobs in branches over time, though it expects to do so by attrition.

 

JPMorgan executives decided in the past 12 months to halt its branch-building programme, following a trend for banks to look online for future growth rather than to bricks and mortar.

We doubt many tears will be shed over the terminations, especially since JPM was the one bank holding out longer than most in hopes that things will finally change for the better and the bank’s “fortress” balance sheet will be able to isolate the firm’s workers. They didn’t, and it didn’t.

JPMorgan held out longer than rivals, filling in gaps in the market in Florida and California, in particular, before now joining the long list of banks to have scaled back their growth plans.

 

“It was awfully 20th century of them,” said Mike Mayo, analyst at CLSA Securities. “With such weak revenue growth – the worst in eight decades – banks need to find new ways to control expenses, which means finding other ways to streamline branches and other distribution. The last two years have seen the most branch closings in history.”

Yet while JPMorgan’s terminations – merely a stepping stone to even more layoffs in the future – mean the unemployment rate will continue to drop as most of the newly laid off will simply drop out of the labor force entirely, the biggest loser will be Wells Fargo, whose primary revenue line was and is mortgage origination. Well, was.

We look forward to seeing just how the California bank, and largest mortgage originator in the US, will offset what is now clearly a secular collapse in mortgage demand as more and more Americans simply refuse to (or can’t) take out mortgages to buy homes whose prices have become inaccessible to all but a very select (0.1%) few.


    



via Zero Hedge http://ift.tt/MpOLO8 Tyler Durden

It’s Official: “Bad Weather” Is 83 Times More Worrisome Than “Good Weather”

The new normal has morphed from a slow-to-no recovery to a “strong” recovery hampered only by bad weather. When data is bad, it’s “due to bad weather;” when data is good, it’s the recovery… As Google ‘quantifies’ below, bad weather is 83 times more worrisome than good weather is positive

 

h/t @Not_Jim_Cramer

However, as none other than JPMorgan explains in this simple chart… “It’s not only about the weather” despite the comforting meme that is for the status quo huggers…

h/t @noalpha_allbeta


    



via Zero Hedge http://ift.tt/1fONx6W Tyler Durden

South Carolina City Implements Law Requiring $120 Permit To Feed The Homeless

Submitted by Mike Krieger of Liberty Blitzkrieg blog,

Gandhi famously noted that:

The greatness of a society and its moral progress can be judged by the way it treats its animals.

I would agree with that, as well as the obvious observation that a society’s greatness can also be judged by how it treats its most vulnerable members. This isn’t to romanticize homelessness or to condemn it. It is merely to note that the homeless are fellow human beings going through their own struggles and difficulties. You may not want to provide them food, but some people do, and there should never be an infringement upon such a basic human right as sharing food with someone who needs it.

Civil rights are often lost in societies by politicians scapegoating unpopular minorities. This happened with jews, gypsies, etc in Nazi Germany and we must be very careful the same does not happen here. One human being should be able to voluntarily give food to another in all cases, without exception. The concept of a permit needed that costs $120 per week is fascist, anti-human and downright evil.

From the Examiner:

Feeding the homeless is about to get harder as a new policy is set to begin this Saturday, Feb. 15, in Columbia, SC. Charities and non-profits well be required to pay a fee and obtain a permit 15 days in advance in order to feed the homeless in parks.

 

One impacted charity that was interviewed by theFree Times, Food Not Bombs, has been serving food to the homeless in Finlay Park every Sunday for 12 years. The group’s organizer, Judith Turnipseed, noted that the group has an impeccable track record and always tidies up after the meal. But with the new crackdown, Food Not Bombs will have to pay at least $120 per week for the right to feed the homeless.

 

Since the Columbia City Council approved its exile plan in August, the city has been trying to herd its homeless people to a shelter on the outskirts of town and keep them away from downtown. If charities continue to provide food in downtown parks, the thinking goes, it will allow homeless people to continue to live downtown, rather than being forced to leave.

Remember the famous warning:

First they came for the Socialists, and I did not speak out– Because I was not a Socialist.

 

Then they came for the Trade Unionists, and I did not speak out– Because I was not a Trade Unionist.

 

Then they came for the Jews, and I did not speak out– Because I was not a Jew.

 

Then they came for me–and there was no one left to speak for me.

 

Martin Niemöller (1892–1984)

This is how it always starts. It reminds me of the fact that debtors’ prisons are making a huge comeback in the U.S. It’s always easiest to pick on the weakest members of society, which is why we shouldn’t.

Full article here.


    



via Zero Hedge http://ift.tt/Ovdq6b Tyler Durden