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Boom and Bust


Bubble Economics (6/17/2010)

Run-away securitization of housing mortgages abetted by loose credit rating, shaky credit default swaps, and cheap money led to a huge housing bubble in the US.

Keywords: ABS, Asset-backed securities, bubble, CDO, CDS, collateralized debt obligations, credit default swaps, interest rate, mortgage-backed securities, rating agencies, securitization, subprime loans

From Help Wanted to Job Wanted (1/22/2010)

The unemployment rate closely tracks the business cycle and reflects the vicissitudes of economic fortunes.

Keywords: boom, business cycle, bust, food stamps, jobs, Unemployment rate

Garlic Bubble? (1/22/2010)

Easy money to stimulate China’s economy has inadvertently led to a speculative garlic bubble.

Keywords: flipping, garlic bubble, hoarding, speculation, swine flu

Hong Kong Housing Boom (1/21/2010)

The low interest rates intended to stimulate the recessed US economy after the US housing bust in 2007 – 2009 have inadvertently led to a housing boom in Hong Kong when Hong Kong has to lower its interest rates to defend its dollar peg.

Keywords: apartment, dollar peg, foreign exchange, housing boom, housing bust, inflation, mortgage, real interest rates

Household Formation (8/12/2011)

Consumption in the economy is inversely affected by household size.

Keywords: multiplier effect, paradox of thrift, scale economy

Jobless Safety Net (5/13/2010)

Jobless benefits cushion the fall of disposable income during economic recessions.

Keywords: Automatic stabilizer, budget deficit, food stamp, income tax credit, income tax rate, jobless benefits, progressive income tax, recession, unemployment benefits

Leveraging and Deleveraging (5/13/2010)

The leverage cycle could amplify business cycles apart from routine monetary policies via interest rates.

Keywords: ABS, asset-backed securities, CDO, collateralized debt obligation, deleverage, equity, interest rates, Leverage, leverage cycle, margin call, positive feedback

Too Big to Fail (6/18/2010)

Some financial institutions could commit moral hazard by leveraging their implicit high credit ratings and tax-payer guarantees to load up on high-risk debts and obligations.

Keywords: AIG, bailouts, bankruptcy, Citibank, credit default swaps, credit ratings, Fannie Mae, FDIC, Freddie Mac, JP Morgan Chase, leverage, Moral hazard, securitized debt, subprime mortgage, too big to fail

Under Water (1/22/2010)

Securitization of mortgage loans has fueled a US housing bubble whose bursting has put one in four mortgages under water.

Keywords: CDS, credit default swaps, housing bubble, mortgage-backed securities, rating agencies, securitization, subprime loans