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Suicide Over European Banking Crisis

armstrongeconomics.com / by Martin Armstrong / Jun 19, 2017

The European “bail-in” rules have been cheered claiming taxpayer money will be spared. However, many seniors bought bank bonds for their retirement. In the rescue of the small Banca Popolare d’Etruria, a retiree who had lost more than 100,000 euros worth of bonds lost everything […]

Commercial Banks Slash Auto Loans Outstanding For First Time In Six Years

zerohedge.com / by Tyler Durden / May 30, 2017

After the subprime mortgage bubble burst back in 2009, new regulations prevented banks from rushing right back into mortgages to re-inflate a market that nearly took down the global financial system. Of course, Uncle Sam didn’t restrict wall street from blowing massive bubbles in all […]

“This Is Probably Just The Beginning” – Chinese Banks Are In Big Trouble

zerohedge.com / by Tyler Durden / May 23, 2017

That’s not supposed to happen…

With the crackdown on financial system leverage underway, Chinese banks (and securities firms) are in big trouble. As we noted previously, China’s bond curve is inverted, yields are surging, and Chinese regulatory decisions shutting down various shadow-banking pipelines has crushed […]

The Trump Collapse Scapegoat Narrative Has Now Been Launched

alt-market.com / Brandon Smith / Wednesday, 24 May 2017

Last week was a rather crazy one for the news feeds, with cyber attacks and “Comey memos” and a host of other wild mayhem, it may have been difficult for many people to keep track of it all. That said, there was one event […]

22/5/17: U.S. Autoloans Market: Careless Lending, Defaulting Buyers

trueeconomics.blogspot.com / by Constantin Gurdgiev / Monday, May 22, 2017

Auto loans are now coming through as a growing concerns area in terms of U.S. household credit. Auto loans originations have risen, in total volume from $123.9 billion in 1Q 2016 to $132.4 billion in 1Q 2017, an all-time high for 1Q period on […]

21/5/17: Student Loans Debt: The Bubble is Still Inflating

trueeconomics.blogspot.com / by Constantin Gurdgiev / Monday, May 22, 2017

Having covered the latest news on the U.S. household debt continued explosion (see http://trueeconomics.blogspot.com/2017/05/19517-us-household-debt-things-are-much.html) and the ongoing deepening of the long term insolvency within the U.S. Social Security system (here: http://trueeconomics.blogspot.com/2017/05/19517-reminder-social-security-is-only.html), let’s take a look at the second largest source of household debt (after […]

Decide: If YOU Fail To Stop Financial******YOU *SUPPORT* IT

market-ticker.org / by Karl Denninger / 2017-05-03 0

Contemplate a few things as you go through the remainder of your week.

What has had its increase in cost cause the most harm to American households and individuals over the last 30 years?

There are two things: medical care and post-secondary education.

What do they have […]

Baby Boomers Borrowed $100BN In Student Loans For Their Children And Now Defaults Are Soaring

zerohedge.com / by Tyler Durden / Apr 24, 2017

America’s snowflake millennials aren’t used to being told ‘no’, especially by their parents. Perhaps that’s why, as we pointed out a few days ago, more millennials than ever are now living at home with mom and roughly one quarter of them don’t even both […]

Commercial Property Lending Tumbles As Retail / Hotel Originations Plunge

zerohedge.com / by Tyler Durden / Apr 11, 2017

For those of you out there clinging to your commercial REIT stocks for their ‘defensive’ dividend yields while praying that the whole ‘retail implosion’ thing will simply go away, you may want to avert your eyes now. According to the Mortgage Bankers Association 4Q 2016 […]

Subprime auto loans face mounting problems: With $1.1 trillion in loans outstanding we all know bad deals are made in good times.

mybudget360.com / March 27, 2017

Exuberance breeds bad decisions as inhibitions and due diligence get tossed out the window like dirty water. This is exactly what is unfolding in the rampaging auto market. The latest data from Fitch Auto ABS Indices shows that 60+ day delinquencies for subprime loans are now at 5 percent of […]

Six Graphs that Reveal Big Problems for Student and Auto Loans

mises.org / Jonathan Newman / March 27, 2017

The New York Fed’s most recent household debt report showed ballooning debt and delinquency in student and auto loans. Total household debt has just about reached its previous late-2008 high of over $12.5 trillion.

***

You’ll notice that housing debt (blue) has not increased much since […]

Death & Taxes… And Debt

zerohedge.com / by Tyler Durden / Mar 23, 2017

Nothing in this world is certain, except death and taxes… and $62,000 debt.

***

According to December 2016 data provided to Credit.com by credit bureau Experian, 73% of consumers had outstanding debt when they were reported as dead.

Those consumers carried an average total balance […]

San Francisco median home price now over $1.3 million – Basic home at this price range will get you 800 square feet.

doctorhousingbubble.com / March 22nd, 2017

The Bay Area tech driven frenzy continues to march forward with no stopping in sight. If you thought $1 million was too much for a crap shack then $1.3 million is going to be out of your price range. The tech gentrification is getting more aggressive and is pricing out […]

Graduating with a Degree in Debt: The Average Student Debt Balance for Seniors is now $40,000.

mybudget360.com / March 20, 2017

The runaway cost to attend college just continues to sprint ahead. The average student loan balance for graduating seniors is now $40,000. This is astronomical considering the per capita wage of Americans is in the high $20,000 range. The math behind this astronomical debt is rather clear and simple to […]

Now That Everyone’s Been Pushed into Risky Assets…

charleshughsmith.blogspot.com / CHARLES HUGH SMITH / WEDNESDAY, MARCH 15, 2017

A funny thing happened on the way to a low-risk environment: loans in default (non-performing loans) didn’t suddenly become performing loans.

If we had to summarize what’s happened in eight years of “recovery,” we could start with this: everyone’s been pushed into risky assets […]

Bank Loans Take A Dive: It’s The Economy, Stupid

investmentresearchdynamics.com / Dave Kranzler / March 13, 2017

I am compelled to correct a report posted on Zerohedge about the cliff-dive going on in commercial, industrial and consumer loans. The report in ZH suggested the plunge is connected to two possibilities: 1) this one from a Wall Street sleazebag from Barclays: “it is possible that […]

Retailing Is Bad And About To Get Worse

investmentresearchdynamics.com / Dave Kranzler / February 28, 2017

Americans are filing for bankruptcy at the fastest rate in several years. In January 2017, 55,421 individuals filed bankruptcy. That’s a 5.4% increase over January 2016. In December 2016, 4.5% more individual bankruptcies were filed than in December 2015. It’s the first time in 7 years that […]

Mom and pop landlord nation: Small time investors pick up the slack left by large institutional buyers in housing.

doctorhousingbubble.com / February 28th, 2017

The bread and butter of any healthy housing market is having a good amount of first time home buyers. That is what drives new home building and also allows for the homeownership rate to go up. Most of the new household formation since the bubble burst was largely done […]

Zero Percent Down Loans in a Raging Bubble: Didn’t We Try This Before?

mishtalk.com / Mike “Mish” Shedlock / February 21, 2017 Loans

Australian parliament member Andrew Broad wants banks to accept zero percent down loans.

New.Au calls the proposal a “creative idea”.

Please consider First homebuyers with a good rental history shouldn’t have to save a deposit, Federal MP says.

IS THIS the lifeline […]

20/2/17: The Effect of GFC on Italian Non-Performing Loans Overhang

trueeconomics.blogspot.com / by Constantin Gurdgiev / Monday, February 20, 2017

In yesterday’s post I covered some interesting current numbers relating to NPLs in the European banking sector. And sitting, subsequently, in the tin can of an airplane on my way back to California, I remembered about this pretty decent paper from Banca d’Italia, published […]

Meet The New, “Safe” Synthetic CDO’s That Could Spell Disaster For The European Banking System

zerohedge.com / by Tyler Durden / Feb 3, 2017

So what do you do if you’re a European banking regulator faced with the task of maintaining a safe, sustainable financial system amid a concerning growth in bank leverage. Well, if you said sell down risk assets then you’re just being silly or completely […]

Why Those Student Loans Aren’t Getting Paid Off

mises.org / Ryan McMaken / February 3, 2017

Last month, the US Department of Education admitted that a much larger number of students are defaulting on student loans than previously reported. According to the Wall Street Journal:

[T]the Education Department released a memo saying that it had overstated student loan repayment rates at most colleges […]

Is Italy’s Banking Problem Becoming Too Big to Solve?

wolfstreet.com / by Don Quijones / Jan 30, 2017

They said it was contained, but now it hit the largest bank.

Ever since the European Commission and ECB jointly decided that Italy’s government could bend EU banking rules out of all recognition in order to bail out the country’s third largest bank, Monte dei […]

Italy’s Bank Rescue Foreshadows Nationalization of More EU Banks

europac.com / By John Browne / Wednesday, January 25, 2017

On December 7, 2016, Italy’s Prime Minister Matteo Renzi resigned following defeat in a national referendum, that he had supported, that would have changed the country’s parliamentary system. The development, which represents just the latest sign of anti-EU sentiment spreading throughout Europe, was felt acutely […]

These are the Countries with the Biggest Debt Slaves, and Americans Are Only in 10th place

wolfstreet.com / by Wolf Richter / Jan 22, 2017

So who the heck are the Really Great Ones?

Americans have been on a borrowing binge. To buy their favorite cars and trucks, they’ve loaded up on $1.14 trillion in auto loans. Young and not so young Americans are mortgaging their future with student […]