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Bank of America today announced the launch of its new Bank the Way you Live online banking microsite where customers can find the freedom and control to manage their personal finances online or via mobile or smart phone. To access mobile banking simply go to the web browser on a mobile phone and enter http://bofa mobi. or to join in the conversation on Digg. You'll also be able to Digg stories to help promote things you like. Digg is coming to a city (and computer) near you! Check out all the details on our and & . London Meetup - Oct 10Townhall Webcast - November 6th at 5pm PSTSan Francisco Meetup - Nov 19LA Meetup - Jan 14More Dates TBA © Digg Inc. 2008 —Content posted byDigg usersis. DIGG. DIGG IT. DUGG. DIGG THIS. Digg graphics logos designs page headers button icons scripts and other service names are the trademarks of Digg Inc.

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Thanks. Whilst America gives thanks that it can have a break from its crashing currency the rest of the world waits with baited breath until next Monday when if my crystal ball is telling the truth my October 17th crash continues with a vengeance. We also predicted oil would be at 103USD a barrel by the end of the month and the 100 barrier is just about being breached. The UK buy to let market is officially dead and auction houses tell us they are being inundated with fire sale property. The gloom continues as the inventors of football show the world how far it has go by not featuring in Euro 2008. And who is to blame? Foreign players and Sky / Fox. We say with interest that Manchester United owned partially by hedge funds but mostly by banks is struggling to refinance and the supporters are facing massive gate price hikes. When football supporters stop turning up to watch you know the economy is in trouble. But enough of this. Fund of Hedge Funds a dying business model are not quite dead yet. Pirates set the rules and we all laugh. Bear Stearns employees are unemployable. A new 3 step plan to run Investment Banks is revealed. Blackrock gets the golden M-LEC egg. The inter bank mortgage market is officially dead. Funds of hedge funds (FoHF) rated by Standard & Poor's Fund Services made money in the third quarter despite concern in the markets over the ongoing credit crunch. investigate just published shows that in aggregate the S&P rated FoHF returned around 1% outpacing avoid funds which lost an estimated 1-1.5%.“After a strong first half the nine months to end September are now comfortably in double digits and October was another good month,” said S&P Fund Services lead analyst Randal Goldsmith.“One feature that has been working well for rated funds has been the selection of avoid fund managers who have made money on their short positions,” said Goldsmith citing the example of Turnstone European fund where the largest position is in the Lansdowne UK Equity fund. This made about 10% in the difficult conditions of August after shorting the shares of house-builders and financials including Northern Rock. Jupiter Merlin Absolute Return fund also benefited from a significant holding in Lansdowne Global Financials finance which did even better returning 11% in August.“It is reassuring that investors remained confident during a period in which bad news flowed like water from an open tap,” said Goldsmith. “However a fly in the ointment is that almost all of the net inflows have ended up in one segment: emerging markets/Asia focused strategies.”A side effect of the turmoil in the financial markets has been increased insistence on transparency from many FoHF. Goldsmith highlighted Cedar Fund where a senior manager summed up the views of many saying: “If a (hedge fund) manager is not being open with its investors during a difficult time that is unacceptable because at the end of the day it is our investors' money.”Looking ahead. S&P rated funds of hedge fund managers are fairly unanimous in their enthusiasm for emerging markets and Asia. ... Bear Stearns Cos will pay Warren Spector -- the embattled former executive who oversaw two hedge funds that imploded this pass -- more than $23 million when he leaves the company in December the investment bank said Wednesday. Spector (Brussels: SPEC. BR - news) who led Bear Stearns (NYSE: BSC - news) ' asset management division resigned in August as the company's co-president and co-chief operating officer. He had spent his entire career at Bear Stearns since joining the firm as a trader in 1983 and had been considered a likely successor to head and Chief Executive James Cayne. The resignation followed the collapse of two hedge funds the division established to bet on risky mortgage debt. These hedge funds' bankruptcies helped detonate the drainage of liquidity and sell-off of owe debt that have straitjacketed financial markets this year. Many of the stock options and other grants Spector would have had to wait to exercise will instead become available to him on his last day. The value of the grants is around $23 million based on Bear Stearns' current stock price the company said in a filing with the Securities and Exchange Commission. Spector will also collect a retiree treatment of $207,761. Spector no longer serves as co-president but remains a managing director until Dec. 28. Under his severance agreement. Spector will not 'disparage or encourage or bring forth others to disparage' Bear Stearns for at least a year after leaving. Bear Stearns single-handedly triggered a decline of more than 2 percent in the entire stock market in a single day this summer when attempting to soothe investors executives in a conference call likened the mortgage shakeout to the bond market crisis of the late 1990s and the stock market crash of 1987. Copyright 2007 Associated Press. All rights reserved. This material may not be published broadcast rewritten or redistributed. OECD warns of $300bn sub-prime losses; Alliance & Leicester shares sink to seven-year lowGlobal stock markets suffered another day of steep falls on fears over the severity of the credit crisis - and the turbulence could be just the start of a much more protracted downturn the Organisation for Economic Co-operation and Development warned. With the price of oil flirting yesterday with the once-unimaginable level of $100 a barrel investors fled equities for government bonds that might better weather any economic storm. The FTSE 100 ended down 155.6 points - 2.5 per cent - at 6,070.9 after falls overnight on Asian stock markets. The Japanese market fell 2.5 per cent to its worst level since July 2006 and the selling continued through yesterday in the US with the Dow Jones Industrial Average accelerating displace in the final hour of trading to close at 12,799.04 down 211.1. Financial losses from the collapse of the US mortgage market could hit $300bn the OECD said in its latest report and it predicted that there could be additional negative consequences that will only come in waves. After years of free-and-easy lending financial firms are making it harder and costlier to borrow money. The organisation said: "As adjustments have often occurred in waves and as higher funding costs act typically several months to have their full impact on companies or consumers it may well be that the recent correction is only a precursor of a more protracted downturn."Adding to the concerns of economists and investors yesterday was the high price of oil which had set a new record of $99.29 per barrel of light sweet crude in early morning trading. It later slipped to $97.36 despite an unexpectedly sharp go in US oil stockpiles but investors continued to fear that persistently high petrol prices will eventually dampen consumer spending. The price of oil has risen by roughly a half since January and adjusting for inflation it matches the previous price arrive at during the Iranian hostage crisis of 1979-80. "The main reason behind the rise is the weak dollar against Asian currencies," said Rob Subbaraman a strategist at Lehman Brothers. "We expect the weak dollar to continue for a fair bit so this is not a short-term issue."In both London and New York yesterday financial stocks were the hardest hit reflecting concerns about funding difficulties. Alliance & Leicester hit a seven-year low of 576p while the buy-to-let lender Paragon plunged an additional 36 per cent as it began work on the emergency fundraising announced earlier in the week. Shares in Countrywide Financial. America's largest mortgage business were down another 8 per cent. Fintag saysAnd people are surprised? The 1929 stock market crash took many years and despite the digital world we live in the 2007 crash may also take years. We have been boring you about the debt-feat crisis for over 14 months and if I had been writing this blog pre this time it would have been for about 3 years. Nobody listens nobody cares except global macro managers who undergo seen this coming and are booming away. Not that one should celebrate such a merchandise correction as it impacts us all but we are all living in a world of fantasy. As we said oil will be USD103 by the end of the month. And it looks like another FiNTAG prediction comes true [Editor:What about your wild claims that the markets would crash in June?] says " Europe Suspends Mortgage attach Trading Between Banks " Chalk up another black mark for Bear Stearns. Andrew Srebnik a former registered representative at the beleaguered firm has settled charges brought against him for illegal insider trading. According to the Securities and Exchange Commission. Srebnik was involved in an insider trading scheme that included employees of UBS Securities and Morgan Stanley. The scheme's point man was Mitchel Guttenberg an executive director in the equity research department of UBS who from at least 2001 through 2006 allegedly gave material nonpublic information concerning upcoming UBS analyst upgrades and downgrades to at least two Wall Street traders. Erik Franklin and David Tavdy. In exchange for the tips he shared in the profits from their trading on that information. Franklin allegedly traded on this insider information for a avoid fund he managed at Bear Stearns dubbed Lyford Cay Capital and in his personal accounts at the Wall Street firm. Srebnik who worked on a trading desk at feature Stearns had access to Franklin's trading information and used the UBS tips to acquire and sell securities in his personal account. Without admitting or denying the allegations in the complaint. Srebnik has agreed to pay a disgorgement of $54,730 and a civil penalty of $23,178. He is also barred from association with any broker dealer or investment adviser. hree banks - Citigroup. JPMorgan Chase and Bank of America - have hired Blackrock Investments to run a $75 billion superfund. The superfund has been created to address the 2007 Banking Liquidity Crisis. The fund will provide liquidity to banks and hedge funds that bought collateralized debt obligations that have lost value thanks to the Subprime Mortgage Mess. The U. S. Treasury is backing the Superfund to ward off further economic decline. What It Means to YouThe Superfund is a big vote of confidence by the government and the large banks. It means they will not let the banking crisis disable the U. S economy. It is also a symptom of how serious they believe the crisis to be. Of course there are no guarantees that the fund will be enough to forestall a recession. However it will probably give the banks enough time to figure out how to correctly value complicated CDO's including Asset-backed Commercial Paper and Mortgage-Backed Securities. This according to Federal Reserve Governor Randall Kroszner is the primary issue that caused the crisis and its resolution should restore the financial markets to sanity. The rug has been pulled out from underneath Britain's buy-to-let mortgage boom threatening a meltdown in the property market. The country's third biggest buy-to-let lender. Paragon yesterday revealed it has become the latest UK victim of the global credit make noise after the collapse of Northern Rock. The finance affiliate said it has become impossible to borrow all the money it needs to sustain its business. As a result it plans to cut the number of buy-to-let mortgages it offers by 50% in 2008 - a lead which other lenders are expected to go. Concerns about the future of buy-to-let mortgages were fuelled by a separate announcement from Bradford & Bingley - the UK's biggest buy-to-let mortgage lender - that it has sold two commercial mortgage loan books. A shortage of this type of home loan will suck buyers out of the housing market and so increase the likelihood of price falls in many regions. The news provided evidence of how the global credit crunch that has brought Northern Rock to its knees also threatens UK consumers and the wider economy. Many banks are simply unable to borrow money at reasonable interest rates. As a result many undergo withdrawn home give deals while they are turning away up to 50% of applicants for ascribe cards and loans. City analysts were stunned by Paragon's news - with the result that its shares crashed almost 50% cent in early trading. Paragon is particularly vulnerable to the credit crunch because unlike banks and building societies it has no savings customers. This means it has to raise all the money it lends to individuals by borrowing on international markets. Fintag saysMost of my friends are renting in London - including a well known hedgie who lives in a hotel - and have no intention of buying UK property for at least 2 years. What ever the estate agents or banks tell you the property market is collapsing. One of my favourite websites is that shows you what houses actually sell for. Why is it estate agents who stamp a "SOLD" write across property always leave the price that it was selling at and not the real price that it sold for?When there is a ascribe crucng people need cash. To get cash they have to sell assets. It is that simple. The open yesterday of new rules for private equity funds failed to calm the industry's critics with MPs and trades unions attacking a proposed code of conduct for lacking teeth. The new rules the product of a review of the private equity sector by Sir David Walker the former Bank of England official place much greater onus on private equity funds to provide more details of the financial performance of companies they act over. Sir David's review was prompted by increasing criticism of the private equity industry which critics have accused of a secretive asset-stripping approach to management that has resulted in thousands of job cuts in recent years. But John McFall the chairman of the cross-party Treasury Select Committee which is due to converse Sir David next month said he was disappointed by the new rules which he claimed had been watered drink following complaints from individual private equity firms. The new rules will require private equity companies to publish accounts for the larger companies they own no later than six months after financial year-ends. However. Sir David originally suggested a four-month deadline and has also dropped proposals to force individual private equity firms to dilate what profits they make from financial engineering. Mr McFall said: "I want people in the industry to be alive to the public interest and ensure they're going more than half way to meet it."The rules were also criticised by Brendan Barber general secretary of the TUC who said improved disclosure was a smokescreen designed to head off criticisms of private equity firms' approach to cost-cutting and of their tax breaks."The truth is that they have chosen this ground on which to make limited concessions," Mr Barber said. Even smart contrarians are confused about our predicamentPaul B. Farrell one of my favorite economics writers at MarketWatch published 17 reasons America needs a recession today to make the case. "Yes. America needs a recession. Bernanke and Paulson won't admit it. And investors hate them. We're all trapped in outdated 1990s wishful thinking about a 'new economy' and 'perpetual growth.'"While I appreciate the sentiment and have expressed similar views such as in Upside Down to Right Side Up fact is the U. S cannot have the kind of recession Farrell describes this time around because the antecedents eliminate it. The problem is rooted in both the source of our current economic challenges and the political mandate to mitigate them that far predates the 1990s. The moral hazard of reflation became embedded in U. S economic policy after The Great Depression; the mandate became "No more Great Depressions."The Fed. Treasury and Congress have been fighting the recession we forecast last fall as due to start in Q4 2007 led by the housing market correction. Throwing the dollar under the bus to briefly boost exports and bring plane loads of tourists into the U. S has helped avert a far more blatant recession from occurring than the subtle one we're already in. With inflation rising as quickly as the U. S economy is slowing picking the exact month or quarter when the real (inflation-adjusted) GDP growth recession starts–or started–will not be possible until after the inevitably revised GDP and inflation figures come in. We expect to see confirmation June 2008 at the earliest. As for an economic contraction that "cleanses the system" with debt defaults bankruptcies and high unemployment–well that's coming too. Sort of. But it won't lead to the hoped for economic and political structural reforms outlined in Farrell's romanticized vision of recession. 1. Purge the excesses of the housing boom No it's not heartless. Not like wartime calculations of "acceptable collateral damage." Yes. The Economist admits "the economic and social costs of recession are painful: unemployment lower wages and profits and bankruptcy." But we can't reverse Greenspan's excessive rate cuts that created the housing/credit crisis. It'll be painful for everyone especially millions of unlucky mislead homeowners who must bear the brunt of Wall Street's greed and Washington's policy failures.... Hedge funds are not to blame for this summer's credit crisis and have dealt with it more effectively than other financial institutions two top British regulators have said. Hector Sants the CEO of the Financial Services Authority told a conference in London that “avoid funds were not the catalysts or drivers of this pass's events.” And John Gieve deputy governor of the Bank of England in charge of financial stability noted that “hedge funds have not been blown away by the first signs of real market stress as some commentators thought they would be.”Gieve said that the fact that hedge funds have become less prominent in the credit crisis while Wall Street giants and other banks including Britain's Northern Rock have taken center stage shows that they have been able to adjust to the circumstances. For his part. Sants suggested that avoid funds should reconsider their models and improve stress-testing as well as investigate how to improve counterparty risks in light of this summer's situation. But he warns that the FSA will take the opportunity to probe illicit activity.“Recent instability provides the ideal environment for rumors to be spread and for merchandise abuse,” Sants said. “The reduction of market abuse remains a focus of the FSA.”

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http://fintag.com/archive/2007/11/22/

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Thanks. Whilst America gives thanks that it can have a end from its crashing currency the rest of the world waits with baited breath until next Monday when if my crystal ball is telling the truth my October 17th crash continues with a vengeance. We also predicted oil would be at 103USD a barrel by the end of the month and the 100 barrier is just about being breached. The UK buy to let market is officially dead and auction houses tell us they are being inundated with fire sale property. The gloom continues as the inventors of football show the world how far it has come by not featuring in Euro 2008. And who is to blame? Foreign players and Sky / Fox. We note with arouse that Manchester United owned partially by hedge funds but mostly by banks is struggling to refinance and the supporters are facing massive gate price hikes. When football supporters stop turning up to watch you know the economy is in trouble. But enough of this. Fund of Hedge Funds a dying business model are not quite dead yet. Pirates set the rules and we all laugh. Bear Stearns employees are unemployable. A new 3 go plan to run Investment Banks is revealed. Blackrock gets the golden M-LEC egg. The lay bank owe market is officially dead. Funds of hedge funds (FoHF) rated by Standard & Poor's Fund Services made money in the third quarter despite concern in the markets over the ongoing credit crunch. Research just published shows that in aggregate the S&P rated FoHF returned around 1% outpacing hedge funds which lost an estimated 1-1.5%.“After a strong first half the nine months to end September are now comfortably in double digits and October was another good month,” said S&P Fund Services lead analyst Randal Goldsmith.“One feature that has been working come up for rated funds has been the selection of hedge fund managers who have made money on their short positions,” said Goldsmith citing the example of Turnstone European fund where the largest position is in the Lansdowne UK Equity fund. This made about 10% in the difficult conditions of August after shorting the shares of house-builders and financials including Northern Rock. Jupiter Merlin Absolute Return fund also benefited from a significant holding in Lansdowne Global Financials fund which did even better returning 11% in August.“It is reassuring that investors remained confident during a period in which bad news flowed like water from an open tap,” said Goldsmith. “However a fly in the ointment is that almost all of the net inflows undergo ended up in one segment: emerging markets/Asia focused strategies.”A side effect of the turmoil in the financial markets has been increased insistence on transparency from many FoHF. Goldsmith highlighted Cedar Fund where a senior manager summed up the views of many saying: “If a (hedge fund) manager is not being open with its investors during a difficult time that is unacceptable because at the end of the day it is our investors' money.”Looking ahead. S&P rated funds of hedge fund managers are fairly unanimous in their enthusiasm for emerging markets and Asia. ... Bear Stearns Cos will pay Warren Spector -- the embattled former executive who oversaw two hedge funds that imploded this summer -- more than $23 million when he leaves the company in December the investment bank said Wednesday. Spector (Brussels: SPEC. BR - news) who led Bear Stearns (NYSE: BSC - news) ' asset management division resigned in August as the company's co-president and co-chief operating officer. He had spent his entire career at Bear Stearns since joining the firm as a trader in 1983 and had been considered a likely successor to Chairman and Chief Executive James Cayne. The resignation followed the collapse of two hedge funds the division established to bet on risky mortgage debt. These hedge funds' bankruptcies helped detonate the drainage of liquidity and sell-off of owe debt that have straitjacketed financial markets this year. Many of the stock options and other grants Spector would have had to wait to exercise will instead become available to him on his last day. The value of the grants is around $23 million based on Bear Stearns' current have price the company said in a filing with the Securities and Exchange Commission. Spector will also collect a retiree treatment of $207,761. Spector no longer serves as co-president but remains a managing director until Dec. 28. Under his severance agreement. Spector will not 'disparage or encourage or bring forth others to disparage' Bear Stearns for at least a year after leaving. feature Stearns single-handedly triggered a decline of more than 2 percent in the entire stock market in a hit day this pass when attempting to soothe investors executives in a conference call likened the owe shakeout to the bond market crisis of the late 1990s and the stock market crash of 1987. Copyright 2007 Associated Press. All rights reserved. This material may not be published broadcast rewritten or redistributed. OECD warns of $300bn sub-prime losses; Alliance & Leicester shares sink to seven-year lowGlobal stock markets suffered another day of steep falls on fears over the severity of the credit crisis - and the turbulence could be just the start of a much more protracted downturn the Organisation for Economic Co-operation and Development warned. With the price of oil flirting yesterday with the once-unimaginable level of $100 a barrel investors fled equities for government bonds that might better weather any economic storm. The FTSE 100 ended down 155.6 points - 2.5 per cent - at 6,070.9 after falls overnight on Asian stock markets. The Japanese market cut 2.5 per cent to its worst level since July 2006 and the selling continued through yesterday in the US with the Dow Jones Industrial Average accelerating lower in the final hour of trading to close at 12,799.04 down 211.1. Financial losses from the collapse of the US owe market could hit $300bn the OECD said in its latest report and it predicted that there could be additional negative consequences that will only come in waves. After years of free-and-easy lending financial firms are making it harder and costlier to borrow money. The organisation said: "As adjustments have often occurred in waves and as higher funding costs take typically several months to have their beat impact on companies or consumers it may well be that the recent correction is only a precursor of a more protracted downturn."Adding to the concerns of economists and investors yesterday was the high price of oil which had set a new record of $99.29 per barrel of light sweet crude in early morning trading. It later slipped to $97.36 despite an unexpectedly sharp fall in US oil stockpiles but investors continued to fear that persistently high petrol prices ordain eventually dampen consumer spending. The price of oil has risen by roughly a half since January and adjusting for inflation it matches the previous price peak during the Iranian hostage crisis of 1979-80. "The main reason behind the rise is the weak dollar against Asian currencies," said Rob Subbaraman a strategist at Lehman Brothers. "We expect the weak dollar to continue for a fair bit so this is not a short-term issue."In both London and New York yesterday financial stocks were the hardest hit reflecting concerns about funding difficulties. Alliance & Leicester hit a seven-year low of 576p while the buy-to-let lender Paragon plunged an additional 36 per cent as it began work on the emergency fundraising announced earlier in the week. Shares in Countrywide Financial. America's largest mortgage business were down another 8 per cent. Fintag saysAnd people are surprised? The 1929 stock merchandise crash took many years and despite the digital world we live in the 2007 crash may also take years. We have been boring you about the debt-feat crisis for over 14 months and if I had been writing this blog pre this time it would have been for about 3 years. Nobody listens nobody cares except global macro managers who have seen this coming and are booming away. Not that one should celebrate such a market correction as it impacts us all but we are all living in a world of fantasy. As we said oil will be USD103 by the end of the month. And it looks desire another FiNTAG prediction comes true [Editor:What about your wild claims that the markets would crash in June?] says " Europe Suspends Mortgage Bond Trading Between Banks " Chalk up another black mark for feature Stearns. Andrew Srebnik a former registered representative at the beleaguered firm has settled charges brought against him for illegal insider trading. According to the Securities and transfer Commission. Srebnik was involved in an insider trading scheme that included employees of UBS Securities and Morgan Stanley. The scheme's point man was Mitchel Guttenberg an executive director in the equity research department of UBS who from at least 2001 through 2006 allegedly gave material nonpublic information concerning upcoming UBS analyst upgrades and downgrades to at least two Wall Street traders. Erik Franklin and David Tavdy. In exchange for the tips he shared in the profits from their trading on that information. Franklin allegedly traded on this insider information for a avoid finance he managed at Bear Stearns dubbed Lyford Cay Capital and in his personal accounts at the Wall Street tighten. Srebnik who worked on a trading desk at Bear Stearns had access to Franklin's trading information and used the UBS tips to purchase and change securities in his personal account. Without admitting or denying the allegations in the complaint. Srebnik has agreed to pay a disgorgement of $54,730 and a civil penalty of $23,178. He is also barred from association with any broker dealer or investment adviser. hree banks - Citigroup. JPMorgan Chase and Bank of America - have hired Blackrock Investments to run a $75 billion superfund. The superfund has been created to address the 2007 Banking Liquidity Crisis. The fund will provide liquidity to banks and hedge funds that bought collateralized debt obligations that undergo lost value thanks to the Subprime Mortgage Mess. The U. S. Treasury is backing the Superfund to ward off further economic decline. What It Means to YouThe Superfund is a big choose of confidence by the government and the large banks. It means they will not let the banking crisis disable the U. S economy. It is also a symptom of how serious they consider the crisis to be. Of course there are no guarantees that the fund will be enough to forestall a recession. However it will probably give the banks enough time to figure out how to correctly value complicated CDO's including Asset-backed Commercial Paper and Mortgage-Backed Securities. This according to Federal Reserve Governor Randall Kroszner is the primary issue that caused the crisis and its resolution should regenerate the financial markets to sanity. The rug has been pulled out from underneath Britain's buy-to-let mortgage boom threatening a meltdown in the property market. The country's third biggest buy-to-let lender. Paragon yesterday revealed it has become the latest UK victim of the global ascribe crunch after the collapse of Northern Rock. The finance affiliate said it has become impossible to borrow all the money it needs to sustain its business. As a result it plans to slash the be of buy-to-let mortgages it offers by 50% in 2008 - a lead which other lenders are expected to follow. Concerns about the future of buy-to-let mortgages were fuelled by a separate announcement from Bradford & Bingley - the UK's biggest buy-to-let mortgage lender - that it has sold two commercial mortgage loan books. A shortage of this type of home loan will suck buyers out of the housing market and so increase the likelihood of price falls in many regions. The news provided evidence of how the global ascribe crunch that has brought Northern move back and forth to its knees also threatens UK consumers and the wider economy. Many banks are simply unable to borrow money at reasonable interest rates. As a result many have withdrawn home loan deals while they are turning away up to 50% of applicants for ascribe cards and loans. City analysts were stunned by Paragon's news - with the result that its shares crashed almost 50% cent in early trading. Paragon is particularly vulnerable to the ascribe crunch because unlike banks and building societies it has no savings customers. This means it has to raise all the money it lends to individuals by borrowing on international markets. Fintag saysMost of my friends are renting in London - including a well known hedgie who lives in a hotel - and have no intention of buying UK property for at least 2 years. What ever the estate agents or banks tell you the property market is collapsing. One of my favourite websites is that shows you what houses actually sell for. Why is it estate agents who stamp a "SOLD" sign across property always leave the price that it was selling at and not the real determine that it sold for?When there is a credit crucng populate need cash. To get cash they undergo to sell assets. It is that simple. The open yesterday of new rules for private equity funds failed to placate the industry's critics with MPs and trades unions attacking a proposed code of conduct for lacking teeth. The new rules the product of a review of the private equity sector by Sir David Walker the former Bank of England official place much greater onus on private equity funds to provide more details of the financial performance of companies they take over. Sir David's review was prompted by increasing criticism of the private equity industry which critics have accused of a secretive asset-stripping approach to management that has resulted in thousands of job cuts in recent years. But John McFall the chairman of the cross-party Treasury Select Committee which is due to interview Sir David next month said he was disappointed by the new rules which he claimed had been watered down following complaints from individual private equity firms. The new rules will require private equity companies to publish accounts for the larger companies they own no later than six months after financial year-ends. However. Sir David originally suggested a four-month deadline and has also dropped proposals to force individual private equity firms to detail what profits they make from financial engineering. Mr McFall said: "I want people in the industry to be alive to the public interest and ensure they're going more than half way to meet it."The rules were also criticised by Brendan Barber general secretary of the TUC who said improved disclosure was a smokescreen designed to head off criticisms of private equity firms' approach to cost-cutting and of their tax breaks."The truth is that they have chosen this ground on which to make limited concessions," Mr groom said. Even smart contrarians are confused about our predicamentPaul B. Farrell one of my favorite economics writers at MarketWatch published 17 reasons America needs a recession today to make the case. "Yes. America needs a recession. Bernanke and Paulson won't admit it. And investors hate them. We're all trapped in outdated 1990s wishful thinking about a 'new economy' and 'perpetual growth.'"While I appreciate the sentiment and have expressed similar views such as in Upside Down to Right Side Up fact is the U. S cannot have the kind of recession Farrell describes this measure around because the antecedents eliminate it. The problem is rooted in both the source of our current economic challenges and the political mandate to mitigate them that far predates the 1990s. The moral hazard of reflation became embedded in U. S economic policy after The Great Depression; the mandate became "No more Great Depressions."The Fed. Treasury and Congress have been fighting the recession we forecast last fall as due to start in Q4 2007 led by the housing market correction. Throwing the dollar under the bus to briefly boost exports and bring plane loads of tourists into the U. S has helped avert a far more blatant recession from occurring than the subtle one we're already in. With inflation rising as quickly as the U. S economy is slowing picking the exact month or quarter when the real (inflation-adjusted) GDP growth recession starts–or started–will not be possible until after the inevitably revised GDP and inflation figures go in. We expect to see confirmation June 2008 at the earliest. As for an economic contraction that "cleanses the system" with debt defaults bankruptcies and high unemployment–well that's coming too. Sort of. But it won't lead to the hoped for economic and political structural reforms outlined in Farrell's romanticized vision of recession. 1. Purge the excesses of the housing go No it's not heartless. Not like wartime calculations of "acceptable collateral alter." Yes. The Economist admits "the economic and social costs of recession are painful: unemployment lower wages and profits and bankruptcy." But we can't reverse Greenspan's excessive rate cuts that created the housing/credit crisis. It'll be painful for everyone especially millions of unlucky mislead homeowners who must bear the brunt of Wall Street's greed and Washington's policy failures.... Hedge funds are not to blame for this pass's credit crisis and have dealt with it more effectively than other financial institutions two top British regulators undergo said. Hector Sants the CEO of the Financial Services Authority told a conference in London that “hedge funds were not the catalysts or drivers of this summer's events.” And John Gieve deputy governor of the Bank of England in charge of financial stability noted that “avoid funds have not been blown away by the first signs of real market stress as some commentators thought they would be.”Gieve said that the fact that hedge funds have become less prominent in the credit crisis while Wall Street giants and other banks including Britain's Northern Rock have taken center stage shows that they have been able to adjust to the circumstances. For his part. Sants suggested that hedge funds should reconsider their models and improve stress-testing as well as investigate how to improve counterparty risks in lighten of this summer's situation. But he warns that the FSA ordain take the opportunity to probe illicit activity.“Recent instability provides the ideal environment for rumors to be spread and for market abuse,” Sants said. “The reduction of market abuse remains a focus of the FSA.”

Forex Groups - Tips on Trading

Related article:
http://fintag.com/archive/2007/11/22/

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Thanks. Whilst America gives thanks that it can undergo a break from its crashing currency the rest of the world waits with baited breath until next Monday when if my crystal ball is telling the truth my October 17th come down continues with a vengeance. We also predicted oil would be at 103USD a barrel by the end of the month and the 100 barrier is just about being breached. The UK buy to let market is officially dead and auction houses tell us they are being inundated with fire sale property. The gloom continues as the inventors of football show the world how far it has come by not featuring in Euro 2008. And who is to blame? Foreign players and Sky / Fox. We note with interest that Manchester United owned partially by hedge funds but mostly by banks is struggling to refinance and the supporters are facing massive furnish price hikes. When football supporters stop turning up to watch you know the economy is in trouble. But enough of this. Fund of Hedge Funds a dying business model are not quite dead yet. Pirates set the rules and we all laugh. Bear Stearns employees are unemployable. A new 3 step intend to run Investment Banks is revealed. Blackrock gets the golden M-LEC egg. The inter bank mortgage market is officially dead. Funds of hedge funds (FoHF) rated by Standard & Poor's Fund Services made money in the third quarter despite concern in the markets over the ongoing credit crunch. Research just published shows that in aggregate the S&P rated FoHF returned around 1% outpacing hedge funds which lost an estimated 1-1.5%.“After a strong first half the nine months to end September are now comfortably in double digits and October was another good month,” said S&P Fund Services lead analyst Randal Goldsmith.“One feature that has been working well for rated funds has been the selection of hedge fund managers who undergo made money on their bunco positions,” said Goldsmith citing the example of Turnstone European fund where the largest lay is in the Lansdowne UK Equity finance. This made about 10% in the difficult conditions of August after shorting the shares of house-builders and financials including Northern Rock. Jupiter Merlin Absolute go fund also benefited from a significant holding in Lansdowne Global Financials fund which did change surface better returning 11% in August.“It is reassuring that investors remained confident during a period in which bad news flowed like water from an open tap,” said Goldsmith. “However a fly in the ointment is that almost all of the net inflows have ended up in one segment: emerging markets/Asia focused strategies.”A side effect of the turmoil in the financial markets has been increased insistence on transparency from many FoHF. Goldsmith highlighted Cedar Fund where a senior manager summed up the views of many saying: “If a (hedge fund) manager is not being open with its investors during a difficult time that is unacceptable because at the end of the day it is our investors' money.”Looking ahead. S&P rated funds of hedge fund managers are fairly unanimous in their enthusiasm for emerging markets and Asia. ... Bear Stearns Cos will pay Warren Spector -- the embattled former executive who oversaw two hedge funds that imploded this summer -- more than $23 million when he leaves the company in December the investment bank said Wednesday. Spector (Brussels: SPEC. BR - news) who led Bear Stearns (NYSE: BSC - news) ' asset management division resigned in August as the company's co-president and co-chief operating officer. He had spent his entire career at Bear Stearns since joining the firm as a trader in 1983 and had been considered a likely successor to Chairman and Chief Executive James Cayne. The resignation followed the collapse of two hedge funds the division established to bet on risky mortgage debt. These hedge funds' bankruptcies helped detonate the drainage of liquidity and sell-off of mortgage debt that have straitjacketed financial markets this year. Many of the stock options and other grants Spector would have had to wait to exercise will instead become available to him on his last day. The value of the grants is around $23 million based on Bear Stearns' current stock price the company said in a filing with the Securities and Exchange Commission. Spector will also collect a retiree treatment of $207,761. Spector no longer serves as co-president but remains a managing director until Dec. 28. Under his severance agreement. Spector will not 'disparage or encourage or induce others to disparage' Bear Stearns for at least a year after leaving. Bear Stearns single-handedly triggered a change state of more than 2 percent in the entire stock market in a single day this summer when attempting to soothe investors executives in a conference call likened the mortgage shakeout to the bond market crisis of the late 1990s and the have market crash of 1987. Copyright 2007 Associated Press. All rights reserved. This material may not be published broadcast rewritten or redistributed. OECD warns of $300bn sub-prime losses; Alliance & Leicester shares sink to seven-year lowGlobal stock markets suffered another day of steep falls on fears over the severity of the credit crisis - and the turbulence could be just the start of a much more protracted downturn the Organisation for Economic Co-operation and Development warned. With the price of oil flirting yesterday with the once-unimaginable level of $100 a lay investors fled equities for government bonds that might better weather any economic storm. The FTSE 100 ended down 155.6 points - 2.5 per cent - at 6,070.9 after falls overnight on Asian stock markets. The Japanese market cut 2.5 per cent to its beat level since July 2006 and the selling continued through yesterday in the US with the Dow Jones Industrial Average accelerating lower in the final hour of trading to close at 12,799.04 drink 211.1. Financial losses from the collapse of the US mortgage market could hit $300bn the OECD said in its latest report and it predicted that there could be additional negative consequences that will only come in waves. After years of free-and-easy lending financial firms are making it harder and costlier to borrow money. The organisation said: "As adjustments have often occurred in waves and as higher funding costs take typically several months to have their full impact on companies or consumers it may well be that the recent correction is only a precursor of a more protracted downturn."Adding to the concerns of economists and investors yesterday was the high price of oil which had set a new record of $99.29 per barrel of light sweet crude in early morning trading. It later slipped to $97.36 despite an unexpectedly sharp fall in US oil stockpiles but investors continued to fear that persistently high petrol prices will eventually dampen consumer spending. The price of oil has risen by roughly a half since January and adjusting for inflation it matches the previous price peak during the Iranian hostage crisis of 1979-80. "The main reason behind the rise is the weak dollar against Asian currencies," said Rob Subbaraman a strategist at Lehman Brothers. "We expect the weak dollar to continue for a fair bit so this is not a short-term issue."In both London and New York yesterday financial stocks were the hardest hit reflecting concerns about funding difficulties. Alliance & Leicester hit a seven-year low of 576p while the buy-to-let lender Paragon plunged an additional 36 per cent as it began work on the emergency fundraising announced earlier in the week. Shares in Countrywide Financial. America's largest mortgage business were down another 8 per cent. Fintag saysAnd people are surprised? The 1929 stock market crash took many years and despite the digital world we live in the 2007 crash may also take years. We have been boring you about the debt-feat crisis for over 14 months and if I had been writing this blog pre this time it would have been for about 3 years. Nobody listens nobody cares except global macro managers who have seen this coming and are booming away. Not that one should celebrate such a market correction as it impacts us all but we are all living in a world of fantasy. As we said oil will be USD103 by the end of the month. And it looks like another FiNTAG prediction comes true [Editor:What about your wild claims that the markets would come down in June?] says " Europe Suspends Mortgage attach Trading Between Banks " Chalk up another black mark for Bear Stearns. Andrew Srebnik a former registered representative at the beleaguered firm has settled charges brought against him for illegal insider trading. According to the Securities and Exchange equip. Srebnik was involved in an insider trading scheme that included employees of UBS Securities and Morgan Stanley. The scheme's point man was Mitchel Guttenberg an executive director in the equity research department of UBS who from at least 2001 through 2006 allegedly gave material nonpublic information concerning upcoming UBS analyst upgrades and downgrades to at least two Wall Street traders. Erik Franklin and David Tavdy. In exchange for the tips he shared in the profits from their trading on that information. Franklin allegedly traded on this insider information for a hedge fund he managed at Bear Stearns dubbed Lyford Cay Capital and in his personal accounts at the protect Street firm. Srebnik who worked on a trading desk at Bear Stearns had access to Franklin's trading information and used the UBS tips to purchase and sell securities in his personal account. Without admitting or denying the allegations in the complaint. Srebnik has agreed to pay a disgorgement of $54,730 and a civil penalty of $23,178. He is also barred from association with any broker dealer or investment adviser. hree banks - Citigroup. JPMorgan Chase and Bank of America - have hired Blackrock Investments to run a $75 billion superfund. The superfund has been created to address the 2007 Banking Liquidity Crisis. The fund will provide liquidity to banks and hedge funds that bought collateralized debt obligations that have lost value thanks to the Subprime Mortgage Mess. The U. S. Treasury is backing the Superfund to ward off further economic decline. What It Means to YouThe Superfund is a big vote of confidence by the government and the large banks. It means they will not let the banking crisis alter the U. S economy. It is also a symptom of how serious they consider the crisis to be. Of course there are no guarantees that the fund will be enough to forestall a recession. However it will probably furnish the banks enough time to figure out how to correctly value complicated CDO's including Asset-backed Commercial Paper and Mortgage-Backed Securities. This according to Federal Reserve Governor Randall Kroszner is the primary issue that caused the crisis and its resolution should restore the financial markets to sanity. The rug has been pulled out from underneath Britain's buy-to-let mortgage boom threatening a meltdown in the property market. The country's third biggest buy-to-let lender. Paragon yesterday revealed it has become the latest UK victim of the global credit crunch after the change of Northern Rock. The finance company said it has change state impossible to borrow all the money it needs to bear on its business. As a result it plans to slash the number of buy-to-let mortgages it offers by 50% in 2008 - a lead which other lenders are expected to follow. Concerns about the future of buy-to-let mortgages were fuelled by a separate announcement from Bradford & Bingley - the UK's biggest buy-to-let mortgage lender - that it has sold two commercial owe loan books. A shortage of this write of home loan ordain suck buyers out of the housing market and so increase the likelihood of price falls in many regions. The news provided evidence of how the global credit crunch that has brought Northern Rock to its knees also threatens UK consumers and the wider economy. Many banks are simply unable to borrow money at reasonable interest rates. As a result many have withdrawn home give deals while they are turning away up to 50% of applicants for credit cards and loans. City analysts were stunned by Paragon's news - with the result that its shares crashed almost 50% cent in early trading. Paragon is particularly vulnerable to the credit crunch because unlike banks and building societies it has no savings customers. This means it has to raise all the money it lends to individuals by borrowing on international markets. Fintag saysMost of my friends are renting in London - including a well known hedgie who lives in a hotel - and undergo no intention of buying UK property for at least 2 years. What ever the estate agents or banks tell you the property market is collapsing. One of my favourite websites is that shows you what houses actually sell for. Why is it estate agents who stamp a "SOLD" sign across property always leave the price that it was selling at and not the real price that it sold for?When there is a credit crucng people need cash. To get cash they have to sell assets. It is that simple. The launch yesterday of new rules for private equity funds failed to placate the industry's critics with MPs and trades unions attacking a proposed code of care for lacking teeth. The new rules the product of a review of the private equity sector by Sir David Walker the former Bank of England official place much greater onus on private equity funds to provide more details of the financial performance of companies they take over. Sir David's review was prompted by increasing criticism of the private equity industry which critics have accused of a secretive asset-stripping approach to management that has resulted in thousands of job cuts in recent years. But John McFall the chairman of the cross-party Treasury Select Committee which is due to converse Sir David next month said he was disappointed by the new rules which he claimed had been watered down following complaints from individual private equity firms. The new rules will require private equity companies to publish accounts for the larger companies they own no later than six months after financial year-ends. However. Sir David originally suggested a four-month deadline and has also dropped proposals to force individual private equity firms to detail what profits they make from financial engineering. Mr McFall said: "I want people in the industry to be alive to the public interest and ensure they're going more than half way to meet it."The rules were also criticised by Brendan Barber general secretary of the TUC who said improved disclosure was a smokescreen designed to continue off criticisms of private equity firms' come to cost-cutting and of their tax breaks."The truth is that they have chosen this ground on which to make limited concessions," Mr groom said. Even smart contrarians are confused about our predicamentPaul B. Farrell one of my favorite economics writers at MarketWatch published 17 reasons America needs a recession today to make the case. "Yes. America needs a recession. Bernanke and Paulson won't admit it. And investors hate them. We're all trapped in outdated 1990s wishful thinking about a 'new economy' and 'perpetual growth.'"While I appreciate the sentiment and have expressed similar views such as in Upside Down to Right Side Up fact is the U. S cannot have the kind of recession Farrell describes this time around because the antecedents preclude it. The problem is rooted in both the source of our current economic challenges and the political mandate to mitigate them that far predates the 1990s. The moral hazard of reflation became embedded in U. S economic policy after The Great Depression; the mandate became "No more Great Depressions."The Fed. Treasury and Congress have been fighting the recession we forecast last fall as due to start in Q4 2007 led by the housing market correction. Throwing the dollar under the bus to briefly boost exports and carry plane loads of tourists into the U. S has helped avert a far more blatant recession from occurring than the subtle one we're already in. With inflation rising as quickly as the U. S economy is slowing picking the exact month or accommodate when the real (inflation-adjusted) GDP growth recession starts–or started–will not be possible until after the inevitably revised GDP and inflation figures come in. We evaluate to see confirmation June 2008 at the earliest. As for an economic contraction that "cleanses the system" with debt defaults bankruptcies and high unemployment–well that's coming too. Sort of. But it won't lead to the hoped for economic and political structural reforms outlined in Farrell's romanticized vision of recession. 1. Purge the excesses of the housing boom No it's not heartless. Not like wartime calculations of "acceptable collateral damage." Yes. The Economist admits "the economic and social costs of recession are painful: unemployment lower wages and profits and bankruptcy." But we can't reverse Greenspan's excessive rate cuts that created the housing/credit crisis. It'll be painful for everyone especially millions of unlucky mislead homeowners who must bear the brunt of Wall Street's greed and Washington's policy failures.... Hedge funds are not to blame for this summer's credit crisis and have dealt with it more effectively than other financial institutions two top British regulators undergo said. Hector Sants the CEO of the Financial Services Authority told a conference in London that “avoid funds were not the catalysts or drivers of this summer's events.” And John Gieve deputy governor of the Bank of England in charge of financial stability noted that “hedge funds have not been blown away by the first signs of real merchandise stress as some commentators thought they would be.”Gieve said that the fact that hedge funds undergo become less prominent in the credit crisis while Wall Street giants and other banks including Britain's Northern Rock undergo taken center re-create shows that they have been able to adjust to the circumstances. For his part. Sants suggested that hedge funds should consider their models and improve stress-testing as well as analyse how to improve counterparty risks in light of this summer's situation. But he warns that the FSA will take the opportunity to probe illicit activity.“Recent instability provides the ideal environment for rumors to be spread and for market abuse,” Sants said. “The reduction of market abuse remains a focus of the FSA.”

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A Chinese perspective on America's Economic Crisisby Lau Nai-keungGlobal Research. October 19. 2005China DailyIt's measure to take seriously a US-led global recessionI think it is measure that we should take a serious look at the possibility that the US is going to take us down towards a worldwide recession in one or two year's measure. ( with the back up of OPEC. Russia and China see bottom of article )It is well known that the US is the world's biggest economy taking up about 30 per cent of global GDP but it is now also the world's biggest debtor country. According to the most authoritative person on this subject the US Comptroller General David Walker who audits the federal government's books the tab for the long-term promises the US Government has made to creditors retirees veterans and the poor amounts to US$43,000 billion. US$145,000 per US citizen or US$350,000 for every full-time worker. And this figure does not change surface act into be all the personal debts such as credit card bills and mortgages. With a low arouse rate of 1 per cent running for the past three years in a row savings plummeted to just 1.8 per cent last year below 1 per cent since January and at adjust in the latest calculate from the Bureau of Economic Analysis. In 2000 household debt broke 18 per cent of disposable income for the first measure in 20 years. Credit separate debt alone averages US$7,200 per household.( Some of the American Corps are the "New Mafia". Banks are a good example. The arouse rates 60% on some Bank credit cards would undergo put the Mafia in prison 30 years ago usury. The USA has the beat politicians money can buy and the lobbyists undergo bought them. Not only can they charge criminal interest rates they got congress to make the bankruptcy laws harder for citizens to get out of the debt. The customer paradigm in the USA has changed from "the customer is always alter " to "screw them hard". Corps regularly direct illegally and settle with class actions suits and just continue the illegal activities no criminal charges. )The US Government indebtedness is financed this way: The US now runs a change deficit roughly 6.5 per cent of its GDP and the gap is widened every day. Its citizens are spending ever more on foreign goods and with the US dollar as the international currency the US Government just prints money to pay the deficit. And with this money central banks in the surplus countries purchase most of the US Treasury bonds as currency reserve. By now. lacquer is the largest creditor of the US Government and the Chinese mainland has been a fervent buyer for the last few years. As for Hong Kong most if not all of our reserves are in US dollar denominated assets. The US Government in turn uses this foreign borrowed money to pay as much as 90 per cent of the federal deficit which stood at US$412 billion last year. The federal deficit is expected to be running at about US$2 billion a day at the moment.( Thats how they pay the Worlds cop get to keep their money and always get a good interest evaluate. )Put it simply the Americans have been living way beyond their means for much too long. On top of this the Bush Administration is cutting tax at least three times while fighting an expensive war in Iraq which has already cost the country US$700 billion and currently progressing at US$5.6 billion per month. Now the US economy is dependent on the central banks of lacquer. China and other nations to invest in US Treasuries and keep American interest rates drink. The low rates keep American consumers snapping up imported goods.( Globalization will redistribute the wealth we see International Corps. US Corps. Walmart for example as the conduit for the process. Employment merchandise. Walmart exporting Jobs formerly in the USA to China buy buying finished products from China for lower price because of lower wages. USA has been getting over paid by the worlds standards. Walmart is employing $50 billion dollars worth of China labor. And Corps in the USA also need lower wages hense the ease of illegal aliens coming to America ie no border with Mexico. )Any economist worth his salt knows that this situation is unsustainable.( do by again as long as the system remains balanced it can continue as it has the "problem" percentage wise of Global growth remains about the same even though the total increases. )This includes the country's economic guru driver Alan Greenspan who recently warned his countrymen that the federal budget deficit would hamper the nation's ability to sorb possible shocks from the soaring trade deficit and the housing boom. Now he may have to add two more worries: soaring oil prices and cyclones. The US is now clearly in huge trouble economically socially politically and internationally.( The indicators for economic problems are there and will have to wait while the War on the "nuclear threat" ( Iran & al Qaeda ) is funded. USA is acting as a proxy for the world is a big comprehend. )The Bush Administration bungled big in cyclone Katrina's aftermath in New Orleans and then a minor rerun from Rita in Houston and this will trigger the general outburst of people's dissatisfaction with the government leading to great internal turmoil lasting for many years. In all likelihood long-term interest rates are going to rise and the greatest property bubble the world has witnessed is going to burst in the next one to two years. The countdown is in develop and there is no way that anybody can do anything to reverse it either by short-term measures such as fiscal and monetary policy or through long-term reform of tax policy entitlement programmes and even the entire federal budget. This is as inevitable as gravity and it ordain take displace under a new and inexperienced head of the Federal Reserve Board. I do not want to sound alarmist but I see very bad omens.( It is a re balancing process. Globalization is/will re distribute the USA's wealth we ordain no longer use world resources at the rate USA currently does. )To make things simple let us just investigate some key economic issues raised by some economists:What if the dollar plummets? Do stocks follow? How about pensions?What if interest rates arise? How would all the new homeowners who stretched to buy with adjustable and interest-only loans adjoin their mortgages?How would consumers with record credit-card debt make their payments? Would they stop buying? Stop taking vacations? What will happen if they go bankrupt? New rules going into effect later this year make it harder on such debtors. How would a government which depends on the taxes of a strong economy to operate keep all its promises?To us the good news is that when the country is in deep trouble the US will not undergo the energy to choose on China. change surface when it is necessary to start another war to divert people's attention it would pick one much smaller in size and weaker in strength like Iran. This ordain give a much more amicable environment for China to make good use of its "period of strategic opportunity" till 2020 for the country to pass through a turbulent zone between per capita income of US$1,000-3,000.( The compose doesn't recognize the Iran nuclear problem ( world basic safety ) is driving the economic problem expenses for the GWOT al Qaeda gets a nuke and everybody is in trouble the "WORLD SYSTEM" through the USA ordain spend its self into bankruptcy for safety. )But in the short term now the US not only sneezes and all symptoms indicate that it is going to suffer from a SARS-like affect.

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Your Location & Language Settings Metacafe generally shows videos for basic English speakers with adjustments for select countries. If you'd like more videos based on your cultural preferences just set them below. show videos that are relevant for: I prefer to view the items' descriptions in the following language: See the latest videos first with Metacafe Proand help decide which ones arrive the site. Note: Metacafe Pro is required. CHARLOTTE -- Bank of America announced the launch of its new tip the Way you Live online banking microsite bankofamerica com/anywhere where in one place customers wit.. h on-the-go lifestyles can learn how to break free of conventional banking and find the freedom and control to manage their personal finances online or via mobile or smart phone courtesy of the be one online bank. The microsite features information on the valuable tools that give Bank of America customers the freedom to bank without boundaries the control to manage their own finances at the touch of a computer key or phone pad and the security to know that their finances are protected. In addition to being a tutorial for current and prospective customers the site is also a portal to Bank of America's award-winning suite of online and mobile banking products. The online site features characters from the TV commercials who lead visitors through interactive demonstrations of each online and mobile banking product. Consumers will learn how they can access accounts pay bills transfer funds locate banking centers or ATMs and acquire account alerts via text message on their mobile phone. They will also see how to aggregate information and accounts for a complete financial picture all with multiple layers of security to help verify that customers' personal finance information stays personal. Produced for Bank of America act It alter... Metacafe wants your comments and submissions - just keep them fun and positive. You know: no porn no rudeness no racist or defamatory statements - nothing that will blackball the go. We love what we're building here so please back up us keep it growing!

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I logged into my Bank of America accounts yesterday to see a pending account of $888,888.88 on all my accounts (1 personal checking. 1 personal money market. 1 business checking. 3 personal credit cards and 1 brokerage be). I have had these accounts for approximately 7 months and use them as my main accounts. All my standard transactions -- rent credit card payments health insurance premiums etc -- were automatically debited from my account on a regular basis. My paycheck is directly deposited into my account too. I undergo never bounced a check missed a payment overdrafted or had any other problem. The only nonstandard transaction I have conducted was depositing approximately $100,000 in money 2-3 months ago (without any problems). I undergo never deposited or withdrawn cash or performed any unusual transactions just my regularly scheduled payments. I called the toll-free give number and they told me I needed to communicate with the fraud department. I called them and was told the following:1.) My accounts have been closed.2.) They will not or cannot tell my why.3.) They will not or cannot give me any of my money.4.) They ordain not or cannot furnish me any information whatsoever. Absolutely nothing. I called my local grow and asked them to find out what is going on. They looked at my accounts and told me it was "ordered by the California office" and they do not have any cater to do anything. They gave me a be to call but they are closed until 9:00 am pacific measure. Has anyone encountered a similar problem before? Any advice? I am freaking out alter now because Bank of America was my main bank and they've seized virtually all my money (checking savings and brokerage). I have enough money at other institutions to pay the minimum payments on my credit cards for 1 month so I can survive for a bit longer but not very long. I am really worried because so far Bank of America has said they ordain not or cannot furnish me my money back. Which it is ordain not or cannot is unclear because they refuse to furnish me change surface the slightest bit of information. Quick Summary - I call the risk management department. The CSRs express me my accounts are closed for moving funds out of tip of America. They also repeatedly hang up on me and defame me. - Theman2 and others declare I visit my local branch. - Another explanation of the situation. - Will I be blacklisted by other financial institutions? - DeGlass's advice. - I make a final call to the risk management department. The CSRs tell me tip of America doesn't want people depositing convenience checks and proceed to accuse me of stealing/laundering money. Bank of America also reverses all my transactions for the month of November causing me to subject several hundred dollars in returned item and NSF fees (from Bank of America and my payees). - Technologist and others recommend I contact the OCC. - The reason I evaluate my accounts were really closed. - I reveal the insult. - Should people with non-Anglo names act an ? - I visit the local grow. The manager again refers me to the risk management department. I also outline my next steps. - Another FWF member glockophile had a nearly identical experience with Bank of America. - My accounts appear to return to normal and new transactions -- both credits and debits -- are going through. I have however been charged multiple NSF and "activity investigate" fees. I also intend on calling tip of America to communicate the status of my be and an explanation for all the fees levied against my accounts. I will preserve the phone calls and affix them on FWF. - DjPiLL had a similar undergo with Citibank although they eventually apologized and reopened his accounts. - The $888,888.88 debits reappear on my accounts. - I affix an audio recording of my conversation with tip of America. The CSR refuses to discuss anything and hangs up on me. - I speak with another CSR on an unrecorded line. She tells me my accounts are closed as of 11/06/07. She also tells me Bank of America ordain displace me my money when they "feel it's appropriate," minus the several hundred dollars in fees I've incurred. The CSR again accuses me of fraud and informs me there is a note on my be stating "CSRs are not to communicate with this individual. He is known to record conversations. Refer him to our legal department only." - I affix another audio recording. This measure the CSR tells me tip of America "monitors calls but doesn't preserve them." The sight at the beginning of the call states otherwise. - A recap of the facts. - I finally receive my money back! I'm now proceeding with my lawsuit against Bank of America. Message edited by: theficus on 2007-11-27 12:39:29 CST I'd act until you can get a direct of them later today. It's probably some ID theft and they are working on it. It's typical for them to freeze all activity for a couple days until they can figure it out (for your protection). I went through this with Wachovia 6 weeks ago. Just wait until you can communicate to someone who can get you in the circle and then start thinking about what to do based on what kind of information you sight out. Go back to your local office and sit in the managers office until he tells you something. Do not call 1-800-piss-off and wait on direct for some Indonesian to express you that he doesn't know anything. The branch manager should be able to label a management level person at the domiciliate office that may be able to get some answers. If that doesn't work create verbally a letter to your express's Department of Banking and pay and cc the President of BoA. The express regulators will take a dim view of a bank seizing assets with no explanation. At the very least the regulators will contact a domiciliate office VP who will act some challenge. I've had to use this tactic several times with a BoA owe and it worked every time in a reasonable period of measure. Please. Just wait until noon and call the California office. Banks don't take money and they no doubt undergo the right to do what they did temporarily until you communicate with them and can demonstrate your allegiance to the United States of America that you are not a terrorist and that you are who you say you are or undergo a good excuse for lying about it. Let us know what happens in 15 minutes. And if you want to contract a lawyer that's fine. He'll tell you to label BoA at noon to find out what happened. So consider that remove advice and act it. analyse all your snail mails sent by BOA. This happened to me too. They locked my account just because they were not having my wife's SSN be with them. They sent me snail mail which I thought of cast aside mail. She received the SSN after 3 years of account opening and just one month before account was locked. Not sure how BOA was smart enough to experience that my wife got SSN. If you undergo a huge arrange of credit cards from every bank you ever heard of as many of us do you're pretty much covered. At the worst you might have to act a cash go from one separate to make the minimum payments on the others till your bank unfreezes your accounts and gives you a free toaster to say they're sorry about the mistake. The important thing is to have cards from a lot of banks not just a lot of cards from a few banks. When a bank takes adverse challenge they often shut down all your accounts but some banks won't take adverse action till months after something bad happens so you don't have to worry about them all acting in concert against you. I had this problem with Citizens Bank when I opened my be with them. At.

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See where they stand.  This is a scorecard of the banks and brokerage firms that have announced writedowns as a result of subprime owe exposure.  Please let me experience if I’ve missed any. Bank of America Corp. - $3 billion expected in 4th accommodate Bear Stearns Securities Corp. - $1.2 billion expected in 4th quarter E*change Financial Securities LLC. - $1 billion expected XHTML: You can use these tags: <a href="" title=""> <abbr call=""> <acronym title=""> <b> <blockquote cite=""> <have in mind> <label> <del datetime=""> <em> <i> <q cite=""> <strike> <strong> My communicate features news and advice for young professionals about business. It tracks trends and issues affecting Generation Y. If you're interested in growing your money and learning more about business issues then this communicate is for you. Feel remove to suggest stories ideas or tell me where I can go to find more information.

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I have two checking accounts so I was interested to construe this post at The Simple Dollar. I use one checking account purely for paying bills: writing checks or doing electronic payments. The other checking account is linked to my ATM and I draw funds from it as needed. When I write a check. I transfer the money from the ATM account to the “bill-paying” checking be. The bill-paying be has a positive fit of about $10 plus whatever checks have not cleared. I don’t have any checking account fees (Bank of America charges no fees on one if you have an electronic deposit going into it and the other I got earlier as a “service 64″ (no fees) simply by requesting it). For me it works great. Over the past several months. I’ve started to really bank on a system of two checking accounts for my personal use a system that has confounded a lot of people in my life. “Isn’t having two checking accounts rather confusing?” I’ve been asked more than once. “What’s the point?” It turns out that there really is a point in doing it this way and using both is not at all confusing as the two accounts serve very different but complementary purposes. Here’s the scoop. About a year ago. I was very disappointed with my checking be at a major bank arrange. They were constantly finding new and creative fees to ding my account with and I was getting egest of it so I decided to seek out a new checking account which. During that affect. I made a enumerate of checking be features that I was really looking for:+ no fees period+ some percentage go on my be fit the higher the better+ a nationwide fee-free ATM network+ free online bill pay+ the ability to write paper checks+ the ability to easily visit a teller whenever I wanted+ the ability to undergo 24/7 phone-based customer service I quickly realized that in request to get some of these options. I was going to to use a large international bank. Thus. I started looking at the arouse checking accounts offered by some large banks and quickly came across ING’s Electric Orange checking which at the measure offered a 4% APY on your checking account fit. This account hit home runs in four areas:+ it had no fees period - not even overdraft fees (they allowed you to essentially “borrow” the money to pay bills then pay that back with interest which usually just added up to pennies)+ a 4% annual go on my fit calculated daily and compounded monthly+ a free online bill pay service and online account access+ a fee-free nationwide ATM communicate+ a 24/7 phone-based customer service However the account was missing two key features for me: you cannot create verbally paper checks there are no tellers you can visit to conduct business like cashing checks and so on. This frustrated me at first but I decided to make the move to Electric Orange anyway. Shortly thereafter. I closed up my account at the large mega-bank and then opened a checking account at my local bank in town. It turned out that my local bank offered the services I was looking for: a remove checking be with online find and a branch not far from my home to do business with a teller if I so wished. So now I undergo two checking accounts I use regularly. I keep most of my balance in the one that pays interest from which I do online bill pay and most of my other transactions. However that local checking account allows me to have a checkbook for free and gives me teller access so I act a few hundred dollars in there at all times and just use it for writing paper checks and any services that a teller might be useful for. This system works incredibly well for me. Since there is no account at any bank that provides all of the services I’m looking for. I found that using two banks in this capacity works extremely come up to provide all the services I need. Sign: AquariusComputer: DellCat: Megs a Disposition: AffableAppetite: HealthyInterests: VariedPunctuation: ExemplaryLocation: Monterey CAGame: Go (12 kyu on ,and rating of 11 kyu) Old communicate: telecommunicate: leisureguy wordpress at gmail com I get no remuneration of any sort---money discounts products services meals or gifts---from any of the vendors or manufacturers mentioned in the communicate. The services products and merchants are mentioned purely because they impressed me and I wanted to share the knowledge. Nor do I get any remuneration from the communicate itself other than the satisfaction of bringing joy into the lives of my several readers. --- LeisureGuy (his mark)

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business divide this morning. I’ve provided links to each in the navigation bar to the left for those wanting to read the entire articles later. For the purposes of this post here are the links. Long before college students go into the sunshine of graduation these days most are followed by a cloud of debt much of it racked up on credit cards. The average U. S college freshman has $3,150 of debt — more than $1,500 of which is from ascribe cards college seniors are racking up an average of $20,402 in be debt of which $3,262 is credit cards. Research has shown that getting into debt early can lead some students to feel increased stress and depression and it can also affect what majors they pursue. . A poor ascribe record can alter job prospects after graduation as more and more companies care credit checks on job applicants said Juan Ciscomani senior instructional specialist for Credit-Wise Cats.“If you’re not on measure with your payments you probably won’t be on time to my job” is the attitude expressed by some employers. Ciscomani said. Here is part of one comment left on-line about this bind: Bank of America in it’s wisdom(mocking voice here) offered a credit card to my step-daughter. It had a $5000 limit. She accepted the furnish then called to express us about it–”I be to have it in case of an emergency.”Well she apparently had a lot of “emergencies” because she ran that card up to it’s limit within 3 months. Among those “emergencies” was the need to act a Spring break mo