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  • 'Don't Bother Me With Facts, My Model Tells Me Everything I Need To Know' [View article]
    Sweden's stock market is 50% controlled by one family. It is the least economically diverse Western country in the world. We don't want to follow their lead ever.

    Negative rates should cause folks to destroy money. Why hold cash when you can pay off debt.

    Maybe we should destroy some money.
    Oct 2, 2015. 11:44 AM | Likes Like |Link to Comment
  • The Distributed Lag Effect Of Monetary Flows [View instapost]
    Thanks for this article.

    Where do you see the velocity of money slowing down?

    Fed shows velocity ticking up...
    Oct 2, 2015. 11:34 AM | 1 Like Like |Link to Comment
  • Who Will Lead The Rebound In The Stock Market? [View article]
    Home building and furnishing?
    Health Care for sure....people getting older....

    A fairly priced market confounds all....seeking equal anyone?

    Top in some places, Not the best time to buy some things but definitely the best time to sell some...that's seems like a fair market.

    Another great article...thanks John M. Mason....
    Sep 30, 2015. 04:30 PM | Likes Like |Link to Comment
  • From ZIRP To NIRP [View article]
    Where is this graph?

    Fed shows velocity ticking up...
    Sep 30, 2015. 01:18 PM | Likes Like |Link to Comment
  • How The Market Is Betting On The Federal Reserve's Decision To Raise Rates [View article]
    Love your handle....

    Maybe they should just split the difference. Raise them 1/8 of a percent.
    Sep 11, 2015. 12:12 PM | Likes Like |Link to Comment
  • The One Reason Why The Fed Shouldn't Raise Rates [View article]
    Wall Street might make more in a rising rate environment. Banks will. Deposits are sticky, loans adjust immediately.

    These low rates today are really helping the Gov. sector. All of the nations school districts, water districts, and cities. Hopefully all of these groups locked in.

    The only effect will be to cool real estate prices a bit. Not alot, but it should mark a top.
    Sep 11, 2015. 12:06 PM | 1 Like Like |Link to Comment
  • Commercial Banking System Continues To Decline In Number: Bigger Banks Dominate [View article]

    Thanks for all of your articles.

    I agree that some day Apple might take out PayPal. Or Lending Club might impact Quicken Loans.

    But please explain the Community Bank records recorded on this article?
    Sep 8, 2015. 11:49 AM | Likes Like |Link to Comment
  • Community Bank Earnings Rise 12 Percent To $5.3 Billion, FDIC Reports [View instapost]
    Wow fantastic news.

    Wonder when the FDIC assessments will come down?
    Sep 8, 2015. 11:47 AM | Likes Like |Link to Comment
  • Does 25bp Make A Difference? [View article]
    The funniest thing is that what if it does nothing.

    Inflation stays sub 2% and folks not in the labor pool stay out.

    Then what does the Fed do. Raise them further? Their objective is to get off of the bottom, not to fix, slow, or grow the economy.

    It seems unprecedented. A Fed making a move that they hope won't do anything. It's not very logical it's just dogmatic.

    That said it helps banks alot, and hurts borrowers a little.
    Sep 3, 2015. 12:11 PM | Likes Like |Link to Comment
  • Commercial Banking System Continues To Decline In Number: Bigger Banks Dominate [View article]
    This will be reflected in the multiple to book value for these banks being taken over. The price for smaller banks is going up.

    New charters are muted also because the FDIC requires much more start up capital.

    This author hates small banks. Every month or so he writes about how Apple or the Lending Club are going to take over.

    I think he is forgetting the power of a banking charter, but that is just my opinion.

    Banks record profits this quarter, once again, tends to contradict this authors doom and gloom.

    Now that banks aren't failing anymore all of these 200 banks "taken over" represented good returns for their shareholders.

    It's not that its so tough to run a bank, the FDIC and bankers have learned alot, it's that the shareholders love a liquidity event and the acquirers have too much capital sitting around.

    What I am waiting for is some of the Credit Unions to go private. Change their charter and let their members cash out.
    Sep 3, 2015. 11:45 AM | Likes Like |Link to Comment
  • Do You Want The United States To Engage In A Currency War? [View article]
    I have never seen so many people concerned about a quarter point rise ever.

    It's not a big deal.

    This current Fed leadership is weak and annoying. They don't have anything to do so they keep talking in circles. Because they can't lower them any further all they can debate is raise them or not. Who gives a ____ get on with it. Acknowledge that the economy has improved and, it's time for banks to make more money, and raise them.

    All these savers out there thinking 25 basis points are going to accure to them are probably wrong. There is alot of cash out there. More deposit growth than loan growth.
    Aug 26, 2015. 01:17 PM | 5 Likes Like |Link to Comment
  • The World Has Changed But Policy-Makers Have Not [View article]
    Thanks JasonC.

    You called this problem about a year ago correctly.

    So it looks like British Columbia was smart to borrow overvalued Yuan a bit ago.

    Chinese are buying more and more US property all of the time.

    Wonder if the TPP allows American's the same opportunity in China?
    Aug 24, 2015. 12:22 PM | 1 Like Like |Link to Comment
  • The World Has Changed But Policy-Makers Have Not [View article]
    Great article.

    We need a new Mason Curve.

    One that includes the price of oil, the unemployment rate in China, the amount of folks on disability, and the desire for EM employees to work.

    The Phillips Curve, theory, probably holds but the inputs need to be extended.
    Aug 24, 2015. 12:17 PM | Likes Like |Link to Comment
  • Big-Bank Settlement Tab Climbs Over $132 Billion [View instapost]
    Great info.

    Too big to fail. Not too big to pay fines.

    The ability for the GSE's to cram back any bad loan is an interesting new development.

    Do you have any idea how this affects small mortgage originators?

    Many banks that use to originate these loans now send them on to brokers.

    These brokers have 0 capital.

    How do the GSE's expect to cram these back?
    Aug 24, 2015. 11:57 AM | Likes Like |Link to Comment
  • Higher Productivity And GDP Growth Are Achievable [View article]
    "That is because the two basic methods of increasing productive business investment, which are reducing regulation or providing tax inducements, run afoul of political issues that divide the nation."

    This is what Jeb Bush says he is going to change to boost GDP growth to 4%.

    Strange how he is also ripping on his brother's Common Core.

    Better/More Education sounds great, but the folks who we have invested the most money in educating rate themselves on how many papers they get published. Not how many jobs they create.

    Seems disconnected somehow....
    Aug 14, 2015. 12:57 PM | 1 Like Like |Link to Comment