Archive for August, 2008

The Texas Ratio

Tuesday, August 26th, 2008

From Wikipedia, the free encyclopedia:  The Texas ratio is a measure of a bank's credit troubles. Developed by Gerard Cassidy and others at RBC Capital Markets, it is calculated by dividing the value of the lender's non-performing loans by the sum of its tangible equity capital and loan loss reserves.  ...

Recap of the Financial Storm

Thursday, August 21st, 2008

Who would have thought there would so much to track in the financial arena just five years ago.  The 1960's are looking like the golden years now for most of us who were around then.  We have seen several recessions since the 1960's.  The current storm clouds indicate a severe ...

Georgia on my mind

Tuesday, August 19th, 2008

On 08/08/08, Georgia was invaded by Russian troops.  Why? Once again, it's all about oil just like Iraq was all about oil. The following map provides us a view of Georgia's proximity to the oil pipelines: Source: Kleveman, Lutz, The New Great Game, Atlantic ...

"Unusual and exigent circumstances"

Sunday, August 17th, 2008

This phrase may come back to haunt the powers that be.  The Federal Reserve exercised its authority to deal with Bear Stearns.  With increasing frequency, policy makers are using little known, obscure powers granted eons ago.  There are so many laws with so much fine print that just about anything ...

The Subtle Cost of Inflation

Wednesday, August 13th, 2008

By now all of us should agree the U.S. Government's reported core inflation number is bogus.  I guess that those who calculate inflation do not go to the grocery store or drive a car.  In this writing I want to look at the area of "personal financial destruction" of savers.  ...

The Reversal of Globalization

Tuesday, August 5th, 2008

Globalization is based on cheap energy.  The "2500 mile salad" assumes that you can truck lettuce from California and put it on the table in New York City at a reasonable cost.  Cheap transportation costs propelled China's industrial sector into a world class supplier.  This phenomenon allowed them to build ...