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YouSayToo Revenue Sharing Community
Mar06

Welfare For the Rich

on March 6th, 2012 at 1:59 am
Posted In: capitalism, economics, taxes, USA

Ezra Klein wrote quite an incendiary article titled “The invisible welfare state of the top one percent,” which talks about Suzanne Mettler’s book “The Submerged State.” While it implies concentration on the 1% so typical in today’s rhetoric, it actually goes further to show how absolute majority of Americans benefit from some kind of government “welfare” without even realizing it. This is very interesting idea:

If Americans who either rent or own their homes outright were asked to accept a tax increase of $150 billion in order to subsidize the mortgage payments of their indebted friends, it seems unlikely they would find that appealing. The same goes for asking Americans who don’t get health insurance through their work to spend $100 billion or so annually subsidizing the benefits for those who do. Of course, that’s exactly what’s happening right now, but it’s hidden in the tax code, so most Americans don’t know it and can’t protest it.

While this research equates tax breaks with welfare handouts, I think it’s not completely true. Article focuses on not taking as much taxes as from baseline case taxpayers as some kind of handout, when it isn’t. Instead, the people who don’t get those tax breaks who are punished. Punished for not taking on unnecessary credit risks with mortgages they can’t afford. Punished for taking available jobs without benefits. Punished for being frugal, lacking ambition or not going too far with consumption. The tax code is very complex, too complex, to the point where it might be no longer fair to anyone. I think there should be a significant research dedicated to closing tax loopholes and overall increase in fairness and clarity of taxation process.

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Mar03

Tim Geithner: Financial Crisis Amnesia

on March 3rd, 2012 at 6:12 pm
Posted In: bad credit, bailout, banks, debt, default, economic collapse, economic theory, economics, federal government, free market failure, Great Depression, Keynesian, Opinion, recession, USA

Secretary of the U.S. Treasury published an interesting article in the Wall Street Journal. Mr. Geithner rightfully talks about unsustainable risks in the financial system and inability of regulatory institutions to prevent the accumulation of risks, which led to biggest financial crisis since the Great Depression. There is a huge argument for stricter regulation from Keynesian school of economic thought, and this is something which can and should be argued in academic environment using complex modeling.

What Mr. Geithner omits from his article is how government was not able to regulate risks, but was more than eager to pass the results of banks taking those risks on the taxpayer. Given the actions taken, those banks should belong to the public now, and their owners should be homeless living on benches in Central Park. However, in reality those people didn’t lose a dime, and therefore no matter what regulations you enact, they will be taking maximum possible risk, since if they lose they can always be compensated. If that belief goes away, amount of risk in the system would fall significantly.

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Feb21

Game Theory

on February 21st, 2012 at 9:37 pm
Posted In: economic theory

I always found the theory behind winning and losing incredibly fascinating, and so I was very excited when I learned that there is whole Game Theory subset in Economics.

I found that lectures at http://academicearth.org/lectures/introduction-to-game-theory are very well done and easily understood, and I’d recommend anyone interested in learning more about Economics, games, or human behavior to listen to them.

With availability of education today, it’s no longer justifiable to know nothing about the world we live in.

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Feb14

It’s been a while since last post

on February 14th, 2012 at 3:04 am
Posted In: graph, healthcare, offtopic

Health problems are not fun. Good thing I got my health insurance thanks to Romney, even though he acts like he regrets his decisions now.

Meanwhile, the end of the world has been calculated. Soon Apple will divide by 0.

Apple Division by Zero

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Jan21

Greek Debt Write-Down Talks End Up Promising More Talk

on January 21st, 2012 at 7:26 pm
Posted In: bad credit, bailout, bankruptcy, debt, default, economic collapse, EU, government bonds, Greece

Another round of talks about debt write-down in Athens end up in nothing but promises to return to this once more. Private sector creditors are not satisfied with proposed plans, and are most probably waiting for second bailout European Union is planning to provide to Greece soon. Again, private sector creditors don’t want to suffer the cost of their irresponsible investment and are waiting to put their loses on European taxpayers. Worldwide robbery of taxpayers and transfer of wealth to private banks continues. As economy will continue to get worse worldwide, we will see more of those, but in USA the ability to bail out private sector is a bit limited until the 2012 elections. For now, the spotlight is on Europe and Greek inevitable default.

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Jan13

Standard & Poor’s Cuts European Credit Ratings

on January 13th, 2012 at 7:14 pm
Posted In: credit rating, debt, EU, Standard and Poor's

Credit rating agencies continue their attempts to stay relevant and make their ratings finally reflect some semblance of economic reality. After months of biggest European debt crisis, they finally decided to make significant cuts all over the Europe. The most important changes are that France lost its AAA rating and is now AA+, and same transition happened with Austria. Additionally, Malta, Slovakia, and Slovenia had their credit ratings cut by one notch, while Cyprus, Italy, Portugal, and Spain had their downgraded by two. This might be a harsh truth, but it will also mean that cost of borrowing will rise for all the downgraded countries, which will only further increase the debt problem across the EU.

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Jan13

Greece Government Bond 1 Year Yield Passed 400%

on January 13th, 2012 at 3:41 am
Posted In: debt, EU, government bonds, Greece

…at the time of writing this post. Link to see yields.

Basically, it’s no longer interest you’re expecting to get, but rather returns in case you get a full value of bond. Therefore, market right now sees probability of that equal to about 20%. However, are there still investors holding Greek bonds? I’d think everyone would cut loses long ago.

Another way to look at this is that market sees 20% probability of Europe solving its debt crisis.

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Recent Posts

  • Welfare For the Rich
  • Tim Geithner: Financial Crisis Amnesia
  • Game Theory
  • It’s been a while since last post
  • Greek Debt Write-Down Talks End Up Promising More Talk
  • Standard & Poor’s Cuts European Credit Ratings
  • Greece Government Bond 1 Year Yield Passed 400%
  • Housing Market Overview: December 2011 Report
  • Corporations Pay Negative Tax on Record Profits
  • Protect-IP and Stop Online Piracy Act – Killing the Future
  • Evolution of Individual and Corporate Tax Rates in USA Between 1955 and 2010
  • End The FED or you’ll be able to make such bookmarks too!
  • Housing Market Overview: November 2011 – 3rd Quarter Report
  • UN predicts high probability of new recession
  • Update: 300 Economists have signed the petition in support of OWS
  • Economic Growth is Stalling
  • Economy Recovers Enough to Stop Production
  • Federal Reserve is now Bailing Out European Banks
  • Standard and Poor’s Cuts Credit Ratings of 37 Banks
  • New Round of Credit Rating Cuts

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