Finance Blog number 1

January 6, 2012

Stock futures fall on concern over Europe’s banks

Filed under: mortgage, technology — Tags: , , , — Sun @ 8:04 am

U.S. stock futures are falling Thursday as the European debt crisis again becomes the key driver of market sentiment.

Stock markets in London, Germany and France have all declined. The euro has dropped to a 15-month low against the dollar.

The concern in the markets has centered on the state of Europe’s banks following UniCredit’s announcement Wednesday that it was selling new shares at a large 69 percent discount to Tuesday’s closing price.

Banks are an integral part of the debt crisis because they hold government bonds. A default or steep fall in the value of government bonds could inflict heavy losses on banks and choke off credit to the European economy. That’s why regulatory authorities want Europe’s banks to raise their buffers by euro115 billion (149 billion) over the next few months. The worry in the markets is that banks will have to offer sharp discounts to raise the funds.

U.S. economic reports have the potential to shift sentiment. Key releases later Thursday include the Institute for Supply Management’s monthly survey of the services sector as well as indicators on the pace of hiring in the private sector.

The latter may affect market expectations for Friday’s closely-watched nonfarm payrolls data for December. The figures often set the market’s tone for a week or two after their release. The expectation is that the U No teletrak payday loan.S. economy generated around 150,000 jobs during December.

Positive economic news propelled U.S. stocks to a big rally on Tuesday. Those gains held Wednesday as automakers reported strong sales in December.

Less than two hours before trading opens in New York, futures on the Dow Jones industrial average are down 55 points to 12,301. Futures for the broader S&P 500 index have fallen 7 points to 1,266.

European stocks fell, though most indexes remained higher for the year so far. Germany’s DAX was down 0.7 percent at 6,066 while the CAC-40 fell 1 percent to 3,163. The FTSE 100 index of leading British shares was 0.7 percent lower at 5,629.

Earlier in Asia, Japan’s Nikkei 225 index fell 0.8 percent to close at 8,488.71. South Korea’s Kospi index lost 0.1 percent at 1,863.74, while Hong Kong’s Hang Seng Index rose 0.5 percent to 18,813.41. Benchmarks in Singapore and Taiwan were also higher.

Mainland China’s benchmark Shanghai Composite Index lost 1 percent to 2,148.45, its lowest level in almost three years. The Shenzhen Composite Index lost 3.5 percent to 813.99. More than 100 companies plunged to the daily limit of 10 percent.

Source

January 3, 2012

European Central Bank ramps up bond purchases

Filed under: legal, money — Tags: , , , — Sun @ 2:16 am

FRANKFURT

January 2, 2012

North Korea Says Ending Shortages of Food, Power Are Biggest Goals in 2012 - Bloomberg

Filed under: loans, term — Tags: , , , — Sun @ 3:28 am

North Korea said solving food and power shortages are urgent goals in 2012, and called on its people to defend Kim Jong Un, who inherited control of a country struggling to feed itself after 60 years of totalitarian rule.

December 29, 2011

U.K. Store Traffic Falls From 2010 on Second Shopping Day After Christmas - Bloomberg

Filed under: Canada, money — Tags: , , , — Sun @ 3:00 am

U.K. shopper numbers fell yesterday as discounting and mild weather failed to entice cost-conscious Britons to spend, according to market researcher Experian Footfall.

Visits to shops and malls fell 0.7 percent on Dec. 27, compared to the Tuesday after Christmas last year, Experian Footfall said by e-mail. Shopper numbers surged 21.5 percent on Boxing Day, Dec. 26, with extended hours helping boost business limited last year by Sunday trading restrictions. The four-day U.K. holiday weekend ended on a Tuesday in both 2010 and 2011.

Stores including Debenhams Plc (DEB), the U.K.

December 27, 2011

Labor to launch attacks on Republicans in benefits fight

Filed under: legal, mortgage — Tags: , , , — Sun @ 12:04 pm

Labor unions on Wednesday ramped up the pressure on Republican lawmakers to approve a Senate plan that would extend jobless benefits for millions of unemployed Americans.

Congress is deadlocked over how to provide the relief after Republicans in the House of Representatives on Tuesday scuttled a short-term measure that had been approved in the Senate with overwhelming Republican and Democratic support.

Most House Republicans voted against the Senate bill, which would extend by two months long-term jobless benefits and a payroll tax cut for 160 million Americans.

“We’ll be hitting them in the media in their home districts,” said labor union umbrella group AFL-CIO spokeswoman Amaya Tune. “We’ll continue to look at what ways we can shame Republicans for this horrible vote,” she said.

Republicans refused to approve the Senate bill, saying they wanted to work on a full-year extension — a plan Democrats support but have failed to broker because the sides disagree on how to cover the costs.

If Congress fails to extend jobless benefits, nearly 700,000 people would lose them by the second week of January and nearly 2.2 million would be cut off by mid-February, according to the Labor Department. Some 13 million Americans are unemployed, of whom nearly 6 million have been without a job for more than a year cash advance loans.

The AFL-CIO, the largest U.S. labor group, and other advocacy groups such as Working America, the Philadelphia Unemployment Project and the National Employment Law Project are gearing up to push Republicans to vote on the two-month deal.

“We are going to challenge those representatives to get back to work and put these fixes in,” said Mark MacKenzie, president of the AFL-CIO’s New Hampshire office.

The National Employment Law Project is mobilizing thousands of its constituents from unemployed Americans to community advocates to call Republican lawmakers.

“This is pressure on leadership first and foremost but really it is on everybody. Get back here and pass the bill,” said Judy Conti, the federal advocacy coordinator for the project.

Other labor organizers are planning a protest outside Republican House Speaker John Boehner’s office in Ohio later this week.

It was unclear how lawmakers would resolve their differences before the December 31 deadline. Democrats have refused to start negotiating a full-year extension until Republicans pass the Senate’s short-term measure. Republicans have proposed cutting long term benefits from 99 weeks to 59.

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December 25, 2011

Toronto stock market opens higher on rising commodities, positive economic data

Filed under: Crisis, business — Tags: , , , — Sun @ 11:40 am

+%3Cp%3ETORONTO%97The+Toronto+stock+market+opened+higher+as+oil+and+gold+prices+rose+and+traders+digested+positive+economic+news.%3C%2Fp%3E+%3Cp%3EThe+S%26P%2FTSX+composite+index+was+up+25.01+points+at+11%2C660.39.%3C%2Fp%3E+%3Cp%3EThe+Canadian+dollar+added+0.24+of+a+cent+to+96.67+cents+US%2C+with+gains+accelerating+after+the+release+of+statistics+showing+wholesale+trade+grew+more+than+expected+in+October.%3C%2Fp%3E+%3Cp%3EWall+Street+also+opened+higher%2C+with+the+Dow+Jones+up+46.7+points+11%2C913%2C+the+Nasdaq+ahead+12.4+points+at+2%2C567.73+and+the+broader+S%26P+500+up+4.7+points+at+1%2C224.34.%3C%2Fp%3E+%3Cp%3EAnd+commodities+were+mostly+higher%2C+with+the+January+oil+contract+up+85+cents+to+%2494.38.%3C%2Fp%3E+%3Cp%3EThe+February+gold+contract+added+US%245.70+to+US%241%2C603.60+per+ounce%2C+while+copper+shed+a+penny+to+US%243.32+per+pound.%3C%2Fp%3E++%3Cp%3E%3Ca+href%3D%27http%3A%2F%2Fwww.thestar.com%2Farticle%2F1104172%27+rel%3D%27nofollow%27%3ESource%3C%2Fa%3E%3C%2Fp%3E+

December 22, 2011

Europe’s debt deal is falling flat

Filed under: lenders, news — Tags: , , , — Sun @ 1:16 pm

+%3Cp%3E+What+fiscal+pact%3F+There+is+little+sign+that+last+week%27s+European+summit+even+happened%2C+judging+from+the+high+cost+of+sovereign+debt+and+the+weakness+in+European+markets.%3C%2Fp%3E%3Cp%3ELast+Friday%2C+European+leaders+–+with+the+exception+of+Britain%27s+David+Cameron+–+pledged+to+form+a+tighter%2C+more+deeply+integrated+fiscal+bond+among+member+states.+Of+course%2C+most+of+the+countries+still+need+to+get+parliamentary+approvals+before+moving+forward.%3C%2Fp%3E%3Cp%3E%3Cp%3E%3C%2Fp%3E%3Cp%3E%3Cp%3E%3C%2Fp%3E%3C%2Fp%3E%3C%2Fp%3E%3Cp%3EOne+of+the+most+crucial+aspects+of+the+fiscal+pact%2C+which+was+masterminded+by+Germany%27s+Angela+Merkel+and+France%27s+Nicolas+Sarkozy%2C+was+to+force+eurozone+members+to+maintain+responsible+budgets.+Countries+would+face+sanctions+if+they+allow+their+deficits+to+stray+above+3%25+of+their+gross+domestic+product.%3C%2Fp%3E%3Cp%3E%26quot%3B%5BThe+summit%5D+is+clearly+a+stepping+stone+to+fiscal+union+but+there+are+still+a+lot+of+hoops+to+jump+through%2C%26quot%3B+said+Nick+Stamenkovic%2C+fixed+income+strategist+at+RIA+Capital+Markets+in+Edinburgh%2C+Scotland.+%26quot%3BPeople+are+getting+more+and+more+nervous+for+the+outlook+of+Europe+and+the+lack+of+political+agreement.%26quot%3B%3C%2Fp%3E%3Cp%3EBond+buyers+showed+little+indication+that+they+felt+any+better+about+European+debt+in+Italy+on+Wednesday.+Italy%27s+%26euro%3B3+billion+auction+of+five-year+notes+met+with+relatively+strong+demand%2C+but+resulted+in+a+high+yield+of+6.47%25.%3C%2Fp%3EEuropean+debt+saga+far+from+over%3Cp%3EAnd+yields+on+Italy%27s+10-year+bonds+remain+closer+to+7%25+than+6%25.+That+7%25+level+is+closely+watched+since+it+typically+starts+to+flash+bailout+warning+signs.%3C%2Fp%3E%3Cp%3EGreece%2C+Ireland+and+Portugal+got+bailed+out+shortly+after+their+yields+crossed+that+mark%2C+though+the+bailouts+weren%27t+triggered+until+they+went+even+higher.+%3C%2Fp%3E%3Cp%3EItalian+bond+yields+have+risen+above+7%25+before.+While+many+experts+think+Italy+can+manage+those+levels+for+a+bit%2C+it+is+the+third-largest+economy+in+the+eurozone+and+third-largest+bond+issuer+in+the+world.+In+other+words%2C+it%27s+too+big+to+fail+but+also+too+big+to+bail+out.%3C%2Fp%3E%3Cp%3ELast+week%27s+formation+of+the+fiscal+union+was+supposed+to+keep+bond+yields+in+check.+But+the+only+thing+that+could+really+put+a+lid+on+rising+yields+would+be+a+promise+from+the+European+Central+Bank+that+it+will+step+in+to+buy+more+bonds.+But+that+didn%27t+happen.%3C%2Fp%3E%3Cp%3EThe+central+bank%27s+president%2C+Mario+Draghi%2C+has+stood+firm%2C+saying+the+ECB%27s+only+mandate+is+to+manage+inflation+%3Ca+href%3D%22http%3A%2F%2Fpay-day-loans-4all.com%22%3Echeap+pay+day+loans%3C%2Fa%3E%3C%21–+.+–%3E.%3C%2Fp%3EECB+willing+to+help+banks%2C+not+governments%3Cp%3E%26quot%3BThey%27re+not+going+to+intervene+on+behalf+of+Italy+because+they+believe+that+these+countries+should+get+their+fiscal+house+in+order+and+they+shouldn%27t+do+their+dirty+work+for+them%2C%26quot%3B+said+Stamenkovic.%3C%2Fp%3E%3Cp%3EOther+symptoms+of+European+economic+weakness+include+the+plunge+of+the+euro+to+its+lowest+level+since+mid-January+and+the+collective+decline+of+the+stock+markets.+Since+Friday%27s+summit%2C+London%27s+FTSE+%28%29%2C+the+DAX+%28%29+in+Frankfurt%2C+and+the+CAC+40+%28%29+in+Paris+have+all+dropped+between+1%25+and+4%25.%3C%2Fp%3E%3Cp%3EAdding+to+the+jitters+are+downgrade+worries.+Standard+%26amp%3B+Poor%27s+put+most+of+the+17+eurozone+members+on+notice+last+week+that+they+could+face+potential+downgrades.+The+ratings+agency+also+warned+the+EU%2C+several+banks+and+Europe%27s+rescue+fund+that+they+could+all+face+downgrades.%3C%2Fp%3E%3Cp%3EThe+warnings+all+came+ahead+of+last+Friday%27s+summit+and+the+S%26amp%3BP+has+said+it+hoped+to+complete+it%27s+decision-making+process+earlier+than+the+normal+90-day+window.%3C%2Fp%3E%3Cp%3E%3C%2Fp%3E%3Cp%3E+%3C%2Fp%3E%3Cp%3EMario+Monti%2C+the+newly-anointed+prime+minister+of+Italy%2C+was+clearly+annoyed+by+the+stigma+that%27s+been+attached+to+countries+relying+upon+economic+intervention%2C+when+the+purpose+of+that+intervention+is+to+avoid+international+contagion.%3C%2Fp%3E%3Cp%3E%26quot%3BIt+is+impossible+to+trace+a+border%2C+as+Germany+would+like+it%2C+between+the+virtuous+and+sinful+countries%2C%26quot%3B+he+told+Italian+senators+Wednesday.%3C%2Fp%3E%3Cp%3EMeanwhile%2C+German+Chancellor+Angela+Merkel+touted+the+plan+to+her+Parliament+Wednesday.+%26quot%3BWe+have+decided+to+correct+constructional+mistakes+that+were+made+at+the+beginning+of+the+economic+and+monetary+union%2C%26quot%3B+she+said.+%26quot%3BThe+answer+in+this+situation+could+not+be+to+do+nothing.%26quot%3B%3C%2Fp%3E%3Cp%3EYields+on+German+10-year+bonds+slipped+below+2%25%2C+once+again+cementing+their+Teutonic+reputation+as+a+bastion+of+economic+strength+and+stability.%3C%2Fp%3E%3Cp%3E%26quot%3BThe+whole+deal+seems+to+be+unraveling+in+our+faces%2C+and+that+is+clearly+benefiting+German+bunds+at+the+expense+of+peripheral+markets%2C+particularly+Italy%2C%26quot%3B+said+Stamenkovic.%3C%2Fp%3E%3Cp%3EThe+French+10-year+bond+yield+also+declined%2C+sliding+to+3.2%25.+%3C%2Fp%3E%3Cp%3E–+CNN%27s+Stephanie+Halasz+and+Hada+Messia+contributed%26nbsp%3B+%3C%2Fp%3E++%3Cp%3E%3Ca+href%3D%27http%3A%2F%2Fmoney.cnn.com%2F2011%2F12%2F14%2Fmarkets%2Feurope_debt%2Findex.htm%27+rel%3D%27nofollow%27%3ESource%3C%2Fa%3E%3C%2Fp%3E+

December 18, 2011

Grandmother’s gift can hurt student’s college aid

Filed under: Uncategorized, news — Tags: , , , — Sun @ 3:44 pm

Question

December 10, 2011

UK threatens eurozone, others over EU institutions

Filed under: technology, term — Tags: , , , — Sun @ 1:00 pm

Britain’s prime minister is threatening that he may not allow a group of 23 European Union states that plan to set up their own treaty to use EU institutions.

David Cameron says “The institutions of the European Union belong to the European Union, belong to the 27″ member states.

The 17 euro states and six other EU states early Friday agreed to create a new treaty that will allow them to introduce stricter fiscal rules in the hope of containing a worsening debt crisis payday loans.

They plan to rely on the European Commission and the European Court of Justice to enforce those rules.

Cameron said it was not in the U.K.’s interest to join the new treaty because he could not get special safeguards for the country’s financial center.

Source

December 5, 2011

Markets buoyed by euro crisis resolution hopes

Filed under: Uncategorized, money — Tags: , , , — Sun @ 4:08 pm

Markets rose Monday on hopes that Europe’s leaders will agree on a plan to restore long-term confidence in the euro, saving it from collapse and averting global economic chaos.

A crucial week for the future of the euro kicks off later with a meeting of German Chancellor Angela Merkel and French President Nicolas Sarkozy in Paris. The two are expected to discuss how to achieve closer political and economic union of the 17 euro countries, including stricter budgetary oversight.

Merkel wants to change the basic EU treaty to reflect the tougher rules on euro countries and make them enforceable, while Sarkozy is resisting giving up more powers to Brussels, especially since he faces a tough re-election campaign in April. Sarkozy is thought to prefer an intergovernmental deal between the 17 euro countries.

The markets are hopeful that, given the gravity of the situation afflicting the eurozone, the two leaders will come up with a common proposal for tighter integration on budget matters. Analysts say that such a plan could lead to further emergency aid from the European Central Bank, possibly through the International Monetary Fund.

“Markets have gained ground ahead of a Franco-German summit which is supposed to resolve some long-standing issues between the two continental titans,” said Chris Beauchamp, market analyst at IG Index.

In Europe, the FTSE 100 index of leading British shares was up 0.5 percent at 5,582 while Germany’s DAX rose 0.9 percent to 6,133. The CAC-40 in France was 1.2 percent higher at 3,202.

The biggest gainer was Italy’s FTSE MIB, which was trading 2.2 percent higher, a day after the government led by Premier Mario Monti agreed big austerity and growth-boosting measures. They are to be presented to a skeptical Parliament later Monday.

Monti is to brief both Parliament chambers on the package, which includes euro30 billion ($27 billion) of spending cuts and tax hikes, euro10 billion of which will be reinvested to boost anemic growth instant payday loan.

His government agreed Sunday to slap taxes on property and luxury goods, increase the age at which retirees can draw pensions, trim the cost of Italy’s political class and give incentives to companies that hire women and young workers.

Significantly, the pressure on Italy eased in bond markets. The country’s ten-year bond yield was down 0.40 of a percentage point to 6.16 percent.

Italy is the eurozone’s third-largest economy and is considered too big to be bailed out. Its borrowing rates have in recent weeks hovered around the 7 percent mark, a level that eventually forced Greece, Ireland and Portugal to seek financial help. By comparison, bond yields in Germany, Europe’s largest and most stable economy, are roughly 2 percent.

Wall Street was poised for a stronger opening, too _ Dow futures were up 1 percent at 12,120 while the broader Standard & Poor’s 500 futures rose 1.1 percent to 1,257.

The upbeat tone in markets helped the euro advance 0.3 percent to $1.3448 and the main New York oil contract rise 83 cents a barrel to $101.79.

Earlier in Asia, Japan’s benchmark Nikkei 225 index added 0.6 percent to close at 8,695.98 while Hong Kong’s Hang Seng rose 0.7 percent to 19,179.69. South Korea’s Kospi ended 0.4 percent higher at 1,922.90.

Mainland Chinese shares lost ground on worries over the economic outlook. The benchmark Shanghai Composite Index lost 1.2 percent to 2,333.23.

____

Pamela Sampson in Bangkok contributed to this report.

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