Introducing “Subprime Business Lending” – Loans with 125% Interest Rates Are Being Securitized and Sold to Investors

Salespeople said they were told to refer to “short-term capital” instead of loans and “money factors” instead of interest rates. Eight of them said they talked business owners into applying by saying they’d offer a good rate after reviewing bank statements.

World Business Lenders charged most people 125 percent annualized interest rates on six-month loans regardless of their situation, five former employees said. The borrowers often put up cars, houses or even livestock worth at least twice as much as the loan. About one in five were going bust as of last year, two people with knowledge of the matter said. One said that 9 percent of the loans made this year have already defaulted.

“The sweet spot is someone who can limp along well enough for six months but probably isn’t going to be around much longer,” Opportunity Finance Network’s Pinsky said. “They’re in the business of helping these businesses fail.”

– From yesterday’s Bloomberg article, Wall Street Finds New Subprime With 125% Business Loans

The following story represents one of the most mind-bogglingly disturbing reflections of what is really happening beneath the lipstick pigged representation of U.S. economy the mainstream media regularly portrays. At the center of the story is a company called World Business Lenders LLC, which is staffed with veterans of Jordan Belfort’s (the Wolf of Wall Street) boiler room firm as well other former brokers banned from the securities industry. It sports a business model that lends money at 125% annualized interest rates to small businesses.

Oh, but the story gets better, a lot better. Large Wall Street banks like Goldman Sachs and corporations such as Google are also naturally getting into the market. For example:

OnDeck Capital Inc., a lender with funding from Google’s venture-capital arm and PayPal Inc. co-founder Peter Thiel, sold $175 million of notes backed by business debt last month in a deal put together by Deutsche Bank. Interest rates on the loans ranged from 29 percent to 134 percent.

“Don’t be evil,” right Google? Since there’s nothing evil about 134% interest rates, particularly when you don’t pay taxes.

Of course, predatory lending by bailed out financial institutions is nothing new in post-financial crisis America. I covered this last year in my post: TBTF Banks Enter Payday Loan Business with 500% Interest Rates.

Naturally, Wall Street is also starting to package the loans into securities that can be sold to investors. You can’t make this stuff up.

From Bloomberg:

From an office near New York’s Times Square, people trained by a veteran of Jordan Belfort’s boiler room call truckers, contractors and florists across the country pitching loans with annual interest rates as high as 125 percent, according to more than two dozen former employees and clients. When borrowers can’t pay, Naidus’s World Business Lenders LLC seizes their vehicles and assets, sometimes sending them into bankruptcy.

Naidus isn’t the only one turning to subprime business lending. Mortgage brokers and former stock salesmen looking for new ways to make fast profits are pushing the loans, which aren’t covered by federal consumer safeguards. Goldman Sachs Group Inc. and Google Inc. are among those financing his competitors, which charge similar rates.

“This is the new predatory lending,” said Mark Pinsky, president of Opportunity Finance Network, a group of lenders that help the poor. “And the predators, just as they did in the mortgage market, have gotten increasingly aggressive.”

Subprime business lending — the industry prefers to be called “alternative” — has swelled to more than $3 billion a year, estimates Marc Glazer, who has researched his competitors as head of Business Financial Services Inc., a lender in Coral Springs, Florida. That’s twice the volume of small loans guaranteed by the Small Business Administration.

Wall Street banks are helping the industry expand by lending originators money. They’re starting to package the loans into securities that can be sold to investors, just as they did for subprime-mortgage lenders.

Of course they are.

continue reading

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The US Shale Oil Miracle Disappears

Submitted by Chris Martenson via Peak Prosperity,

The US shale oil "miracle" has about as much believability left as Jimmy Swaggart. Just today, we learned that the EIA has placed a hefty downward revision on its estimate of the amount of recoverable oil in the #1 shale reserve in the US, the Monterey in California.

As recently as yesterday, the much-publicized Monterey formation accounted for nearly two-thirds of all technically-recoverable US shale oil resources.

But by this morning? The EIA now estimates these reserves to be 96% lower than it previously claimed.

Yes, you read that right: 96% lower. As in only 4% of the original estimate is now thought to be technically-recoverable at today's prices:

EIA Cuts Monterey Shale Estimates on Extraction Challenges

May 21, 2014

 

The Energy Information Administration slashed its estimate of recoverable reserves from California’s Monterey Shale by 96 percent, saying oil from the largest U.S. formation will be harder to extract than previously anticipated.

 

“Not all reserves are created equal,” EIA Administrator Adam Sieminski told reporters at the Financial Times and Energy Intelligence Oil & Gas Summit in New York today. “It just turned out it’s harder to frack that reserve and get it out of the ground.”

 

The Monterey Shale is now estimated to hold 600 million barrels of recoverable oil, down from a 2012 projection of 13.7 billion barrels, John Staub, a liquid fuels analyst for the EIA, said in a phone interview. A 2013 study by the University of Southern California’s Global Energy Network, funded in part by industry group Western States Petroleum Association, found that developing the state’s oil resources may add as many as 2.8 million jobs and as much as $24.6 billion in tax revenues.

(Source)

From 13.7 billion barrels down to 600 million.  Using a little math, that means the hoped for 2.8 million jobs become 112k and the $24.6 billion in tax revenues shrink to $984 million.

The reasons why are no surprise to my readers, as over the years we've covered the reasons why the Monterey was likely to be a bust compared to other formations. Those reasons are mainly centered on the fact that underground geology is complex, that each shale formation has its own sets of surprises, and that the geologically-molested (from millennia of tectonic folding and grinding) Monterey formation was very unlikely to yield its treasures as willingly as, say, the Bakken or Eagle Ford.

But even I was surprised by the extent of the downgrade.

This takes the Monterey from one of the world's largest potential fields to a play that, if all 600 million barrels thought to be there were brought to the surface all at once, would supply the US' oil needs for a mere 33 days.

Yep. 33 days.

And along with that oil come tremendous water demands, environmental, infrastructure and air pollution damages.

So if you do go for it California, the rest of the country will be your best buddy for a little more than 4 weeks. But don't keep calling us afterwards, as we'll be off to the next oil party (if there are any other ones to be had). But know that, sure, we still respect you.

Of course I'm being sarcastic here. But if I lived over or near a shale formation, I would be putting up a hell of a fight to prevent the many long-term damages and airborne pollutants that inevitably accompany such short-lived fracking operations.

At this point, you might be wondering just how the EIA got its estimate so badly wrong. The answer is that the EIA relied on a private firm, one now scraping corporate relations and PR egg off its face:

U.S. officials cut estimate of recoverable Monterey Shale oil by 96%

May 20, 2014

 

Federal energy authorities have slashed by 96% the estimated amount of recoverable oil buried in California's vast Monterey Shale deposits, deflating its potential as a national "black gold mine" of petroleum.

 

Just 600 million barrels of oil can be extracted with existing technology, far below the 13.7 billion barrels once thought recoverable from the jumbled layers of subterranean rock spread across much of Central California, the U.S. Energy Information Administration said.

 

The new estimate, expected to be released publicly next month, is a blow to the nation's oil future and to projections that an oil boom would bring as many as 2.8 million new jobs to California and boost tax revenue by $24.6 billion annually.

 

The 2011 estimate was done by the Virginia engineering firm Intek Inc.

 

Christopher Dean, senior associate at Intek, said Tuesday that the firm's work "was very broad, giving the federal government its first shot at an estimate of recoverable oil in the Monterey Shale. They got more data over time and refined the estimate."

(Source)

Wait a minute. The 2011 California shale oil estimate that launched a flotilla of excited "shale miracle" headlines, led the EIA to publish an estimate of the Monterey at 13.7 billion recoverable barrels, and helped to form a national narrative around potential US "energy independence" was done by a Virginia engineering firm?

Okay, well who are they exactly?

Looking at their website, clearly put together using cheesy stock photos, early Internet font formats, and touting the fact that they've been a business "since 1998" doesn't quite project the hoped-for aura of gravitas and seasoned competency:

(Source)

Seriously? A clock in an arch? Typing fingers? A woman gesturing in a meeting and a guy on a phone?

I mean, does anyone other than me have a "no lame stock photos" requirement of the businesses they use to generate the data used to justify a major geopolitical energy realignment? It's the closest thing I have to a hard rule.

Okay, just kidding again….sort of.

At any rate, the bottom line here is that the EIA relied on this firm's back-of-the-envelope calculations which turned out to be — surprise! — unreliable. And now, Occidental Petroleum is scrambling to get its assets out of the Monterey and deployed somewhere more promising.

The lesson to be learned here is: don't believe every headline you read. Consider the source, and more importantly — stock photos or not — always question the data.

Price, It's Always About Price

However, I cannot completely write off the entire 96% as 'gone' because the media has left off the most important part, as they always do: the role of price.

Without having access (yet) to the latest well data to know exactly what sort of potential disaster we're dealing with, the correct way to write-down an oil resource is to say: at today's oil prices, this asset can yield (or is worth) $X.

At higher prices, it is certainly true that more of the resource will be 'worth' going after.

But as you and I know, the price mechanism is just a means of obscuring the most important variable: the net energy that will be returned from a given play. Generally speaking, the higher the price (which is often a function of the energy required to extract), then the less net energy will come from that play.

So anytime we hear that a given play is being 'written down', as the Monterey is in rather spectacular fashion, what's really being said is that the net energy from the play is a lot less than prior and/or existing plays, and will not be useful to us until higher oil prices come along. In the case of the Monterey, much higher prices.

Whether we have an intact, functioning and highly complex economy of the sort necessary to develop and deliver the technology required to prosecute such low-yielding plays is another matter entirely. My best guess as of today is, 'probably not.'

Conclusion

Today's write down of the Monterey shale asset is a huge blow to Occidental Petroleum specifically, to California's energy and employment dreams more broadly, and to the US's energy dreams at a national level.

This is not surprising at all to anybody following the shale story with a critical eye. We always knew that the best plays were being prosecuted first for obvious reasons; it's human nature to go after the easy stuff first. And this is especially true for the folks in the oil patch.

The best plays were tapped first, not by some accident of technology or lucky holes plunged into the ground, but because they were cheapest to prosecute. The remaining shale deposits are less rich, more costly to explore, and the profitable pockets much harder to find.

Your main take-away is this: the US has a lot less shale reserves on the books today than it did yesterday. Look for future downward revisions as the other remnant shale plays are poked and prodded and found to be wanting.

Investors need to be wary here too. The hype about shale prospects are wedded to a Wall Street cheap capital machine that is showing clear signs of over-heating:

Shale Drillers Feast on Junk Debt to Stay on Treadmill

Apr 30, 2014

 

Rice Energy Inc. (RICE), a natural gas producer with risky credit, raised $900 million in three days this month, $150 million more than it originally sought.

 

Not bad for the Canonsburg, Pennsylvania-based company’s first bond issue after going public in January. Especially since it has lost money three years in a row, has drilled fewer than 50 wells — most named after superheroes and monster trucks — and said it will spend $4.09 for every $1 it earns in 2014.

 

The U.S. drive for energy independence is backed by a surge in junk-rated borrowing that’s been as vital as the technological breakthroughs that enabled the drilling spree. While the high-yield debt market has doubled in size since the end of 2004, the amount issued by exploration and production companies has grown nine-fold, according to Barclays Plc. That’s what keeps the shale revolution going even as companies spend money faster than they make it.

 

“There’s a lot of Kool-Aid that’s being drunk now by investors,” Tim Gramatovich, who helps manage more than $800 million as chief investment officer of Santa Barbara, California-based Peritus Asset Management LLC. “People lose their discipline. They stop doing the math. They stop doing the accounting. They’re just dreaming the dream, and that’s what’s happening with the shale boom.”

(Source)

I guess there's a little less dreaming going on in the Monterey shale patch this morning.

Not to pick on RICE here, because they are more typical than not, but when you are spending $4 to earn $1, somebody ought to be asking some hard questions. Especially the investors.

More broadly, I have been clearly concerned by the recent reports indicating that the shale operators have been spending far more in CAPEX than they’ve been generating in operating earnings.

That's a larger subject that I've covered in more detail in recent reports, but the summary is this: over the past four years, free cash flow (FCF) has been negative for most of the major shale players.

Which leads us to the really big question: When will all these shale drilling efforts actually generate positive FCF?

In the case of the Monterey, and at today's prices, the answer looks to be 'Never.'




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The Last Time The Market Was This Short, Stocks Crashed

It is common knowledge among those that prefer to see the glass of aggregate demand always half-full (in need of fiscal or monetary stimulus and thus always time to BTFD) that stocks “climb a wall of worry” and that stocks can’t drop if so many people are negative. However, while we are sorry to steal the jam from their exuberant ‘cash on the sidelines’ donut, the truth is that eventually ‘strong hand’ short positions build to a point where they dominate and provide the tipping point of weakness in stocks. As Goldman Sachs highlights in the following two charts of short interest ratio (days to cover) and aggregate short interest (dollars), the last time there was this much money short was mid-2007… and that didn’t end well.

 

Short interest ratio is at pre-crisis high levels…

 

and aggregate dollars short is now at levels just before the market crashed…

 

Yet another market meme broken by the facts of the data…

 

Charts: Goldman Sachs




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India’s Futile ‘War On Gold’ Ending – Demand To Rise

 

Today’s AM fix was USD 1,294.50, EUR 945.93 and GBP 767.02 per ounce.

Yesterday’s AM fix was USD 1,292.00, EUR 942.65 and GBP 764.81 per ounce.


Gold remains in lock down in an unusually tight range between $1,284/oz and $1,306/oz this week. Gold in Singapore again traded down to the $1,292/oz level prior to slight gains in London which led to gold over $1,295/oz and then a run to $1,304.oz prior to determined selling was seen again.


Gold in U.S. Dollars, Daily, January – May – (Thomson Reuters)

India Gold Demand To Rise As Central Bank Eases Tough  Import Rules
India’s central bank, the Reserve Bank of India (RBI), eased tough gold import rules late last night,by allowing seven more private agencies to ship and import gold bullion. Industry officials and gold analysts say the easing of restrictions will increase supplies, reduce premiums and lead to increased demand in the peak wedding season.


The move allows “star trading houses”, private jewellery exporters which had been barred from importing gold since July 2013, to resume imports, with immediate effect. India raised the gold import duty last year to a large 10% from 4% and also mandated that 20% of imported gold be exported, known as the 80:20 rule.

There are no changes to the more stringent 80/20 rule as of yet, but sources have told Reuters that the Reserve Bank of India and finance ministry officials will recommend that the new government relax strict gold import rules to head off a surge in illegal buying and the continuing wave of gold smuggling into India.

The easing of the import rules is bullish for gold bullion and the gold sector. Shares of jewellery companies surged after the RBI allowed banks to provide gold loans to the sector.

The moves by the RBI, is likely to increase demand for gold. Curiously, gold prices saw little gains after the announcement.

Although the two steps alone are not expected to impact India’s current account deficit, they could reinforce expectations that RBI and finance ministry officials will soon move towards removing some of those curbs.

HSBC commenting on India’s move to allow more firms to import gold, said that “the announcement is a sign that the RBI is slowly starting to address the onerous restrictions put in place last year on the gold trade and may raise optimism for an eventual roll back of the bullion import taxes.”


Russian Central Bank Gold Reserves, Millions of Troy Ounces  – (Gold Charts R Us)

Russia’s significant 900,000 ounce or 28 tonne gold purchase worth over $1 billion in April continues to be digested by the market. Ordinarily we have seen gold react positively to surprise large central bank purchases. Another bullish development has not led to rising gold prices. Gold prices appear tethered to the $1,300/oz level.

RUSSIA CHINA HISTORIC GAS DEAL
Another important geopolitical development yesterday was China and Russia signing a $400 billion gas supply deal involving payments in the yuan and ruble.

The deal secures the world’s top energy user a major source of cleaner fuel. It opens up a new market for Russia as it gives itself options and the ability to cut off dependent European countries should the Ukraine crisis escalate and further sanctions be imposed on Russia.

The deal is important from a monetary perspective as Russia and China are planning to increase the volume of direct payments in mutual trade in their national currencies, according to a joint statement.


Chinese President Xi Jinping with Russian President Vladimir Putin after deal

It has significant ramifications for the dollar as global reserve currency. The era of the dollar as the sole global reserve currency is gradually coming to a close – see Currency Wars: Bye, Bye Petrodollar – Buy, Buy Gold.   We will explore the Russian Chinese deal and its important geopolitical ramifications  in more detail tomorrow.

Follow GoldCore and GoldCore’s Head of Research Mark O’Byrne on Twitter

 




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Miami Beach Cop Says Mayor Tried to ‘Instigate’ Confrontation Along With Democratic Fund-Raiser During Party Crashing Incident

do you know who i am?Last December, police in Miami Beach, Florida,
responded to a call from a resident holding an invitation-only art
party on Star Island. Up to 1,000 uninvited guests looking to crash
the party showed up anyway, according to an Internal Affairs (IA)
report on the incident. The newly-elected mayor of Miami Beach,
Philip Levine, filed a complaint when he witnessed one officer,
Giordano Cardoso, firing his Taser into the ground in an attempt to
control the crowd and allegedly waving the Taser around.

IA found the use of the Taser by police appropriate. In the
report Officer Cardoso claimed the mayor was trying to intimidate
officers on the scene. Via
the IA report
:

As the crowd dispersed, Mayor Philip Levine was
overheard by them “encouraging” a male known to the Mayor to try
and enter the residence again. According to witness Marquez, Mayor
Levine “witnessed his friend excite the crowd and described the
friend’s actions as very strange (challenging the officers as he
looked back at the crowd).” According to witness Marquez, “the
friend seemed to be “putting on a show” by arguing with the officer
and looking back towards the Mayor.”


The Miami Herald fills in some details
:

Though the report doesn’t identify him, the man is
Christopher Korge, a high-level Democratic fundraiser who hosted
President Barack Obama at his Pinecrest home in 2012.

Cardoso told Korge that “if he continued to try to enter, that it
would be considered trespassing.” That’s when, the report says,
Levine approached Cardoso, shook his hand and said, “I’m the new
mayor of Miami Beach,” and repeated it several times.

The mayor claims he spoke to someone with the police department
the next day but could not provide a name. Police say they
attempted to contact him several times for a sworn statement but
could not reach him.

Levine was
endorsed last year by Bill Clinton
, and his official bio
describes
him
as an “integral” member of the Miami Beach community for
the past 30 years. The homeowner who threw the party said the mayor
was a friend and had been among 300 invitees. He called the party
crashing scene “absolutely insane” and a “horror.” 

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Sheldon Richman on U.S. Intervention in Libya

All has not been well in Libya since the U.S. military led NATO
forces in an air campaign to overthrow former ruler Muammar
Gaddafi. American officials assured us that “moderates” would
succeed the cruel and unpredictable dictator, who had become a U.S.
ally during the Iraq war. However, it turns out that the moderate
victors were not so moderate; in fact they resembled
al-Qaeda. 

The overthrow of Gaddafi should stand as a lesson in the dangers
of interfering with other countries, writes Sheldon Richman.
Gaddafi was a brutal dictator, of course, and the people would have
been justified in kicking him out. But outsiders can never know
what will follow their intervention. And if the first rule
governments should follow is, “Do no harm,” the second rule is:
Assume that intervention will do far more harm than good.

View this article.

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Congress Passes Gutted Anti-NSA Spying Bill Beyond Recognition; Original Co-Sponsor Votes “No”

Submitted by Mike Krieger of Liberty Blitzkrieg blog,

It’s shameful that the president of the United States, the chairman of the House Permanent Select Committee on Intelligence, and the leaders of the country’s surveillance agencies refuse to accept consensus reforms that will keep our country safe while upholding the Constitution. And it mocks our system of government that they worked to gut key provisions of the Freedom Act behind closed doors.

 

– Rep. Justin Amash of Michigan, original cosponsor of the USA Freedom Act

In what will come as no surprise to any of you, there are very few members of Congress I have even the slightest degree of respect for. However, Justin Amash is one of them.

Rep. Amash is 34 years old and was first elected to Congress in 2010. He has been on my radar screen for several years now as one of the few elected representatives who act more like statesmen than politicians. He has been on the right side of many civil liberties related issues, including his opposition to the NDAA’s provision that allows for the indefinite detention of American citizens without a trial. More recently, last summer he authored an anti-NSA amendment known as the “Amash Amendment,” which was defeated by establishment authoritarians in both political parties. I covered that story in my post: NSA Holds “Top Secret” Meeting to Stop Powerful Anti-Spying Amendment.

Being the fighter that he is, Amash regrouped and came back with an anti-NSA spying bill with some teeth to it: The USA Freedom Act. This bill concerned the establishment to such a degree that Senator Feinstein launched her own competing bill, which believe it or not, intended to codify the NSA’s unconstitutional practices into law.

In the end, what the status quo did was water down the once robust USA Freedom Act into oblivion. Don’t take my word for it, Justin Amash wrote the following on his Facebook page:

Today, I will vote no on ?#‎HR3361?, the ?#‎USAFREEDOMAct?.

 

I am an original cosponsor of the Freedom Act, and I was involved in its drafting. At its best, the Freedom Act would have reined in the government’s unconstitutional domestic spying programs, ended the indiscriminate collection of Americans’ private records, and made the secret FISA court function more like a real court—with real arguments and real adversaries.

 

I was and am proud of the work our group, led by Rep. Jim Sensenbrenner, did to promote this legislation, as originally drafted.

 

However, the revised bill that makes its way to the House floor this morning doesn’t look much like the Freedom Act.

 

This morning’s bill maintains and codifies a large-scale, unconstitutional domestic spying program. It claims to end “bulk collection” of Americans’ data only in a very technical sense: The bill prohibits the government from, for example, ordering a telephone company to turn over all its call records every day.

 

But the bill was so weakened in behind-the-scenes negotiations over the last week that the government still can order—without probable cause—a telephone company to turn over all call records for “area code 616″ or for “phone calls made east of the Mississippi.” The bill green-lights the government’s massive data collection activities that sweep up Americans’ records in violation of the Fourth Amendment.

 

The bill does include a few modest improvements to current law. The secret FISA court that approves government surveillance must publish its most significant opinions so that Americans can have some idea of what surveillance the government is doing. The bill authorizes (but does not require) the FISA court to appoint lawyers to argue for Americans’ privacy rights, whereas the court now only hears from one side before ruling.

 

But while the original version of the Freedom Act allowed Sec. 215 of the Patriot Act to expire in June 2015, this morning’s bill extends the life of that controversial section for more than two years, through 2017.

 

I thank Judiciary Committee Chairman Bob Goodlatte for pursuing surveillance reform. I respect Rep. Jim Sensenbrenner and Rep. John Conyers for their work on this issue.

 

It’s shameful that the president of the United States, the chairman of the House Permanent Select Committee on Intelligence, and the leaders of the country’s surveillance agencies refuse to accept consensus reforms that will keep our country safe while upholding the Constitution. And it mocks our system of government that they worked to gut key provisions of the Freedom Act behind closed doors.

 

The American people demand that the Constitution be respected, that our rights and liberties be secured, and that the government stay out of our private lives. Fortunately, there is a growing group of representatives on both sides of the aisle who get it. In the 10 months since I proposed the Amash Amendment to end mass surveillance, we’ve made big gains.

We will succeed.

So it is this watered down, toothless bill that passed this morning. Just in case you still had any doubt what the cretins in Congress are all about. As Mark Twain famously stated:

“There is no distinctly American criminal class – except Congress.”




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Workers Really Are Dropping Out of the Job Market

UnemploymentA new poll of unemployed
Americans finds that almost half of them have given up looking for
a job. That casts a depressing light on the debate over why the
labor force participation rate has rolled downhill in recent years.
Folks saying the economy isn’t as sucky as it looks claim that
demographic changes—especially an aging population—drive the
plunge. Others say the job market is sluggish at best and that
people are just giving up. The poll lends support for that
depressing second bunch—and maybe for the idea that some job
seekers need a nudge.

The April poll of 1,500 unemployed, conducted by Harris Poll on
behalf of Express Employment Professionals, finds some
not-so-encouraging results:

  • 47 percent agree with the statement, “I’ve completely given up
    on looking for a job.” (7 percent said they “agree completely,” 7
    percent “agree a lot,” 15 percent “agree somewhat,” and 18 percent
    “agree a little.”)
  • 46 percent report not having gone on any job interviews in the
    prior month. Among those unemployed for more than two years, 71
    percent report not having gone on any interviews in the prior
    month.
  • 23 percent say their last interview was in 2012 or before.
  • 60 percent say looking for work has been harder than expected.
    10 percent say it’s been easier than expected.

In recent years, the Labor Force
Participation Rate
nosedived from above 66 percent of the
potential workforce to below 63 percent, which is the lowest level
since 1978. This has engendered much rending of garments and
gnashing of teeth—and the public debate mentioned above about
“why.”

Labor Force Participation

An
aging work force
gets some of the “credit” for the drop.
Americans age and retire and there are relatively fewer young
workers to take their place. A
report from the Philadelphia Federal Reserve Bank
, published
earlier this year, attributed about two-thirds of the decline since
2000 to a combination of retirement and disability, with a surge in
retiring Baby Boomers over the past couple of years. (Disturbingly,
“the number of disabled persons has been steadily rising.”)

But the report found that discouraged workers, with a big
increase in that category during the recession, explained 30
percent of declining labor force participation. In addition,
“nonparticipation due to schooling has been steadily increasing,”
which could well reflect another form of dropping out, as potential
workers continue along or return to the education track after
taking a look at the job market.

The poll does raise some concerns over whether all turned-off
job seekers are willing to go the extra mile to find a paying gig.
Forty-four percent are not willing to change towns in search of
work, and 60 percent won’t cross a state line.

That might have something to do with the 72 percent who call
unemployment compensation a “cushion” and the 48 percent who say
they “haven’t had to look for work as hard” because of it.

Or maybe they just think things are lousy all over.

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Andy Levy, on his V.A. care: ‘It was absolutely awful, and nothing horrible I hear about it ever surprises me’

Last night on
The Independents
, Red Eye co-host Andy Levy, who is a military
veteran, talked bluntly about his (and his comrades’) experience
with the Veterans Administration. “I have yet to meet a veteran who
was satisfied with their V.A. care,” Levy said, in a panel segment
that also included Reason Managing Editor Katherine
Mangu-Ward
:

On
Tuesday night’s
episode, National Review Online
contributor Deroy
Murdock
also talked about the scandal:

Reason on the V.A. mess here.

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