Resolve the crisis, why not let the taxpayer pay?

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Federal Reserve chairman Ben Bernanke once again gave a sobering speach to update us on the credit crisis. Basically he said it that delinquencies and foreclosures would continue for some time principally for three reasons: (1) there was an on-going imbalance in supply and demand for housing (2) about one and a half million Adjustable

Why is Ginnie Mae being ignored?

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One has to wonder why the silence on Ginnie Mae, the direct US government agency that guarantees mortgage pools for lenders with the full faith and CREDIT of the US.  Indeed GNMA securities, because of their direct US Government backing have increased in value while every other mortgage

Should Investors fear this Market?

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We’ve heard such a chorus of reassurance from Treasury, Commerce, the Federal Reserve, and the President that the US economy is strong and able to easily withstand the fallout expected from the sub-prime housing debacle, that one must wonder if these assurances are true or just

What’s wrong with those Banking reforms?

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The Federal Reserve has issued new rules to end bad lending practices. The proposed rules:

Improve financial disclosure to borrowers
Restrict penalties for early payoff of loans
Require lenders to escrow money for taxes & insurance
Prohibit making loans without considering a borrowers ability to pay

Conspicuously absent from this list of reforms are two measures which in SB’s mind […]

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