Moon of Alabama Brecht quote
October 7, 2004
Two Cents

Andy Xie of Morgan Stanley writes

Summary and Investment Conclusion

The monetary bubble that the Fed has created post-tech burst has created property and commodity inflation (mainly in food and oil). I anticipate the cost-push inflation will spread to general inflation in the coming months, which may shake the bond market.

I believe the global economy is headed toward either mild deflation or stagflation. If central banks cut interest rates in 2005 in response to slowing growth — an outcome of the oil shock — the global economy may be headed toward stagflation. If central banks focus on price stability and, hence, do not cut interest rate in 2005 despite slowing growth, the global economy could be headed toward low growth and low inflation with deflation in certain periods and some sectors.

My expectation is along Andy Xie’s one, but twofold, dividing the world into a US-Dollar and a Euro zone.

The US Federal Reserve Bank (Fed) under Greenspan is likely NOT to focus on price stability. The propaganda “core CPI” inflation measurement (without “volatile” food and oil prices) will show only low US inflation rates.

Next year the Fed will decrease its interest rate again, because the US economy will be in stagnation or in another recession. Low Fed interest rates will lead to a new round of money creation (cheap credit => increasing amount of money chasing a constant amount of goods => higher prices => inflation) and intensify the inflationary process. The US money expansion will also fuel inflation in Asia where currencies are bound to the value of the US Dollar. Through more expansive imports from Asia to the US the inflation spiral will accelerate.

This will have the desired effect of decreasing the cosmic US debt in real, inflation corrected, terms, but in effect will be a heavy additional tax for the US consumer. This is the stagflation scenario.

The European Central Bank is hawkish on inflation. It will most likely not decrease its interest rate, but may allow or engineer a further rise of the Euro against the US Dollar. This will shield the Euro market from increases in Dollar denominated commodity (oil) prices, i.e. inflation, but will hurt its exports.

Inflationary pressure in the Euro zone will be much less than in the US, but low local demand and sluggish exports will take their toll.

(The Euro economies will try to increase their exports into countries that are blessed with higher income through higher commodity prices, i.e. the Middle East and Russia. This puts their economic interest in opposition to strategic US interests.)

Real wages will decrease, as desired, not through inflation, but through negotiated working hours increases. This is Andy Xie’s deflationary scenario.

Economic analysis is unsound in quantifying effects in time. The above scenario may unfold in 2005 to 2008, but possible shocks like a massive oil supply disruption, a litigious US election or a severe correction in the stock markets through derivative failures (Fannie Mae?) will likely accelerate the process.

My medium term investment conclusion:
Short: US Dollar, US Treasuries, high tech, housing and retail related stocks;
Long: Euros, Gold, commodities (oil, food), stocks related to water, food and commodity production;

These are just my € 0.02. If you add your equivalent in the comments, we may all become rich.

Comments

Bernhard again you post great stuff.
But I was having a “whatever” moment of thought in the past minutes………….
This site, along with Jerome’s, are the spawns of Billmon. Where is he…………. Gitmo?
If he is not, he owes us all an apology.

Posted by: Cloned Poster | Oct 7 2004 21:13 utc | 1

Don’t want to become rich but only protect my retirement investments. And I don’t have any constructive comments but only questions.
I presently hold about three-fourths of my investment in U.S. Gov’t Income Trust funds and one-fourth in Traditional IRA Funds (as I understand this, the stock market). With about $800 per month of social security (if it continues to exist) income, and my modest investment in my two IRA funds it doesn’t leave much to support me in full retirement 2 years from now. (Of course I don’t plan to retire but will try to live comfortably enough to pursue my heart’s leads with the support of whatever my retirement income.)
So my question.
Hold on to U.S. Gov’t Income Trust funds or convert to Euros and/or oil/food stocks or commodities, on a continuing conversion to the future strategy? Trade my stock market funds to … what?
Guess I’m asking professional questions from a blog and may be completely off base but if any of you financial/investment geniuses care to comment I’d appreciate it and from what I know of y’all I’d take your ideas or advice to heart.
I understand the transitory nature of all existence so won’t hold anyone karmically responsible if you reply.
CP,
I’m still trying to pick up on the blogging vernacular. Haven’t yet been able to figure out …. Gitmo?

Posted by: Juannie | Oct 7 2004 22:21 utc | 2

Guantanamo.

Posted by: beq | Oct 7 2004 23:14 utc | 3

Feds want back-door in all broadband
Donna sez, “People are really upset about the FBI’s proposal to extend a phone-tapping law called CALEA to the Internet by requiring that broadband Internet and VoIP providers build in a ‘backdoor’ for government surveillance. But they’d be even more upset if they understood what this means. EFF’s Annalee Newitz explains what will happen if this proposal is adopted:” If the FCC adopts the proposal, Internet Service Providers (ISPs) and nearly all VoIP companies will have to design their systems to be tappable. This isn’t nearly as tidy as it sounds. The law distinguishes between two kinds of information that can be gleaned via telephone surveillance: “call identifying information” or CII (numbers dialed and when), and “content” (actual conversations taking place). Telephone network technology allows a law enforcement agent to gather these two kinds of information separately, in isolation from one another. There is no danger that an agent seeking CII will accidentally get to listen to the content of his target’s conversations. Or that he will accidentally hear the conversations of everybody on the same block as his target.

Posted by: Uncle $cam | Oct 8 2004 0:43 utc | 4

Dig tunnels deep, store grain everywhere, and never seek hegemony (or is it- hedge funds?).

Posted by: biklett | Oct 8 2004 1:51 utc | 5

Great post but I must say, the economic theories are dubious at best. Printing money never creates inflation. The ability to raise prices creates inflation. The problem with the US economy is many.
First, we aren’t creating anything anymore. You have to ad value to create wealth. If it is done offshore, all our economy amounts to is passing money back and forth.
Second, the banking system works on the fractional reserve system. That means you have $100,000 in the local credit union. That allows that credit union to loan one million dollars through the fractional reserve system. In other words banks make money by making money. They don’t care how it’s paid back. The problem through the fractional reserve system is, there is never enough money in the system to pay back all the money loaned. Creating winners and losers. When the money supply is reduced during a recession, money for the exchange of goods and services is reduced thus creating massive bankruptsy.
Third, hedge funds are killing our economy. After our last economic discussion when I claimed hedge funds are sucking the money out of the market, I believe someon disputted that idea. I again asked my broker about it. He again said yes that hedge funds are sucking the money out of the market. Put your money in local banks and the economy would do better. Trillions need to come back to the local level and make this country boom. I have thrown this theory out to numerous people and they agree 401ks are killing our country.
I can go on and on but I don’t want to long of post.

Posted by: jdp | Oct 8 2004 2:18 utc | 6

I second Cloned Poster’s thanks. Good post, and a perspective I had never even thought of before.
Juannie:
Your question gave a horrible image in my head of an eager investor taking my advice and then suffering huge losses a few weeks later. I have some fairly strong opinions about wise investments, but they’re probably based more on emotion than anything. If I were you, I’d talk to a financial advisor, with the economic future looking so unclear, and go for investments that are well-diversified, by country as well as by investment type.

I agree that the ECB has been rabidly anti- inflation ever since it came to be, but even in “Euroland” it has created some property bubbles. Countries like Ireland and Spain have short-term interest rates that are very stimulative for them, even as 2% still seems too high for poor Germany.
If the ECB keeps its hard line, and the Euro really does continue to appreciate, even those stronger economies will probably falter, and their property manias will cool in a hurry. All this to agree – yes, lots of deflationary fun for Europe.
(Though I’m not sure they really want a stronger Euro – remember those threats to set a fixed exchange rate if the Euro went over $1.30?)

Posted by: Harrow | Oct 8 2004 3:54 utc | 7

There is no bubble in the housing market. But why did I just hear something go ‘plop’?
REVERSING TREND: Builder cuts prices on new homes

The region’s second largest home builder, Pulte Homes, has cut its new home prices by 5 percent to 25 percent in recent days, reversing a trend of ballooning home prices and leaving at least one Denver-based real estate investor threatening legal action.

New home prices in the valley appreciated by 35 percent during the first eight months of this year, according to Home Builders Research. Over the past decade, the median price of a valley home has more than doubled while median household income has increased just 22 percent.

Denver-area resident Ross King is furious about the Pulte Homes price cuts, which came less than two weeks after he closed on a 1,900-square-foot home in Henderson’s Anthem master-planned community. King paid $498,000 for the house, which he bought as an investment. The same model now lists for $382,990 after costing as much as $516,990 in June.

Posted by: b | Oct 8 2004 8:51 utc | 8

@Juannie
Hold on to U.S. Gov’t Income Trust funds or convert to Euros and/or oil/food stocks or commodities, on a continuing conversion to the future strategy? Trade my stock market funds to … what?
I can only give you some tips, not a good investment advise because I don´t know your further circumstances and I am not sure what Gov’t Income Trust Fund or what stock funds you are in.
The time horizont for these tips is some 3 years. I have no affiliation with any company/person mentioned.
1. You can convert your money easily from US$ into other currencies with an account at Everbank. They offer FIDC insured Certificate of Deposits in various currencies. You will earn more interest than on US bonds and will additionaly profit from any decrease in the US$ value. Their minimum is US$ 10,000 (?).
My prefered currencies are New Zealand $, Australian $, Canadian $ – all commodity backed 1st world countries.
A probably easier alternative is the Prudent Bear Global Income Fund – internationaly invested in fixed income instruments (bonds) and some precious metal – good perfomance, good management (by what I read anyhow)
2. There are some defensive stock funds I would prefer over any regular fund.
– Fidelity has a Food & Agriculture fund that should profit from inflationary tendencies.
Rydex has sector funds for Energy, Energy Services, Utilities and Precious Metals. These will perform better than the financial services / high tech / retail sectors of en vogue funds.
The Prudent Bear Fund is short on stocks, long on Gold. A not-so-good performance in times of rising stock markets, but a very good performance in market declines. As I expect a market decline I do prefer this one, but it has some risk.
3. Some of your money should be in precious metals. You can buy gold coins or silver “bags” in several places. Buy only coins that have no collector value but are near to the price of their real gold value. The gold price will increase when the US$ falls.
If you are not comfortable with owning Gold, Jim Rogers (ex partner of George Soros) has a Raw Materials Fund with excellent (past) performance.
The recommended mix would be like 50% in 1. and 25% each in 2. and 3.
For some portfolio mix tips read through some articles of Robert Gordon. He is to old to be interested in robbing anyone and you may just write him and ask for help.

Posted by: b | Oct 8 2004 12:26 utc | 9

@jdp Great post but I must say, the economic theories are dubious at best. Printing money never creates inflation. The ability to raise prices creates inflation
Imagine an island with a fixed amount of goods available. People on the island have a fixed amount of orange shells, their currency, to trade the fixed amount of goods.
What happens if someone finds a whole lot of additional orange shells and uses these in this small economic system?
Increased orange shells (money supply) chasing a constant amount of goods will increase the price, measured in currency units, of these goods. Before there was one shell for each coconut, now there are two shells available for each coconut. The value of shells did half, the value of coconuts doubled. If the amount of coconuts (and demand) would have doubled too, the price would not have changed.
If the Fed, through the fractional reserve banking system, creates money(credit) at a higher rate than value(demand) of tradeable goods is increased, it induces inflation. Consumer prices may not go up immediately. The additional money may flow into stock markets (1995-2000) and increase the prices paid for companies, it may flow into the housing market and increase prices for homes. But all these bubbles will go ‘plop’ at on point and the money will rush after consumer goods. Then you have the price increase in consumer prices that most people call inflation. This is not the real inflation, but only a consequence of it.
The real inflation is the creation of money in a rate higher than the creation of goods and value.

Posted by: b | Oct 8 2004 12:49 utc | 10

Harrow,
Even with karmic absolution, I agree that I too would be hesitant to offer much advice. Your reply is honorable. I have found that strong opinions from someone I consider honorable are usually based on rationale that I would probably appreciate hearing for my own critical evaluation.
I know what my investment advisor (fund manager) is recommending but I find less honor and more enthusiasm to impose advice from that quarter.
Years ago I thought that property values were already too high and not a good investment. My opinion proved wrong. Today again property values appear stretched and I just this morning read of a builder in CO is reducing his prices on new buildings. However real property has real value if it is agriculturally usable and a roof and warm house has real value. If things get really bad for the middle-class who are property poor, food and shelter will be very valuable.
It looks to me like investment opportunities and pitfalls abound. I agree with biklett’s advice on grain. I think food related investments are a fairly safe haven as long as there’s not a lot of leverage involved.
Bernhard,
I promise I won’t run out and jump on all your advice but I am and will investigate the leads you posted. Your arguments sound informed and thoughtful and resonate with my thinking on this subject. Thank you.

Posted by: Juannie | Oct 8 2004 15:19 utc | 11

Thanks for the help Bernhard. I have filed those last two posts for near-future reference.
Now help us with one more question. Several bloggers and others, including Reich I think predict a dollar crash soon. Given the wild and irrational govt moves of the past few years I tend to believe this imminent-crash scenario too, and even that one of the goals of the PTB is to destroy the economy. Just what their rationale for this is, I confess not to know, but in light of the other irrational-on-the-face-of-it recent govt moves, I believe it.
My question is, do you expect the dollar to crash? And secondly, how will other currencies fare in such an event? To me precious metals or other hard commodities are the best bet. Having a certificate proving ownership of a gold stash somewhere else though isn’t so comforting in a martial-law state.
Burying corn like a squirrel may be the last refuge.

Posted by: rapt | Oct 8 2004 15:24 utc | 12

There is no bubble in the housing market.
All right, allow me to re-phrase: “housing prices that have gotten substantially ahead of fundamentals.” The end result for several countries on the European periphery will be unpleasant.
If Pulte Homes in any indicator, the US may have a wee bit of a problem too.
P.S: Good grief, that Robert Gordon guy makes most economic bears sound like helium-sucking optimists!

Posted by: Harrow | Oct 8 2004 16:02 utc | 13

Juannie,
Actually, it was Mao’s advice re tunnels, grain and hegemony.
I worked at the Fed for 20 years and have seen a lot from the inside. What scares me is the unwarranted confidence Greenspan and others have that they can manage the coming crises.
Bank are subject to looser and fewer regulations and are examined far less often than they were ten years ago. Look at the experience of the Japanese banking system in the last decade if you want a taste of the future.
Banks are pushing interest-only mortgages for twice the loan amounts that people could qualify for only a couple of years ago. A speculator’s dream. I’d be worried for myself more if I didn’t live in San Francisco. I figure that SF will be buoyed by Chinese investors returning some of the trade deficit.

Posted by: biklett | Oct 8 2004 16:21 utc | 14

b,
your scenario is in a shortage situation. Where is the shortage in this market?
Also, the Channel Islands do print money. The federal governemnt and the fed reserve have been printing money. But, there is still no rampant inflation. Why? because jobs moving offshore is having a two pronged effect. One, it suppresses wages and benefits, two, it makes the cost of producing goods cheaper, thus no pricing power in the market.
Your premise on printing money is an old economic premise that if an honest economist is asked the question will tel you is false. If there is more money thatn goods to pruchase where will that money go? I say into savings. But since there is only enough money printed or loaned for the consumer part of the economy, we have no national savings. If people have everything they need to live, extra money earned will go to saving in a perfect economic world.

Posted by: jdp | Oct 8 2004 16:28 utc | 15

@rapt
For now the Dollar will slide lower some 20-30% over a couple of month.
Currently a crash has a low probability, but it is possible. It would need an external event like:
– a successful attack on a Saudi Arabian oil distribution point with oil prices running above $100.
– a major derivative crunch where a Fannie Mae or a Citibank get into real trouble and have to be bailed out
– a big WMD event in the US
– a China Taiwan conflict with US support for China where China than would drop US treasuries from the air on the world markets
The chances for a severe Dollar crash increases over time if the current imbalances keep growing like they are. Paul Krugman said 2006/2007 could be the point of no return, but he did so before oil prices surged. Economic science is just very imprecise on timing (I once tried to change that a little bit in my PhD thesis, but failed).
If the Dollar crashes other currencies -if not bound to the Dollar- will rise in relation, as will gold. I do differentiate between gold and silver and commodities. Gold is a kind of currency and its value is a monetary issue. Copper, platin etc are commodities and their value depend on industrial demand and mine supply. Silver is inbetween. For my part, I have some gold in a bank vault – certificates are paper and their value can change to zero.

Posted by: b | Oct 8 2004 16:56 utc | 16

Bloomberg: Dollar Falls by Most in More Than a Year as U.S. Hiring Slows

Evidence of slowing job growth comes as Fed officials including Robert McTeer, president of the Federal Reserve Bank of Dallas, said the U.S. current-account deficit, at a record $166 billion, may cause the U.S. currency to weaken.
Potential `Crisis’
While foreign investors now “finance” the current-account gap, “theoretically some day that process will come to an end, the flows will turn against us and there will be a crisis that will result in rapidly rising interest rates and a rapidly depreciating dollar,” McTeer said in speech yesterday.

One of my subscriber financial sites has more:

Robert New-Era McTeer also gave the dollar bulls something to chew on when he made the following comments at an event yesterday hosted by Market News International:
“Theoretically, some day that process [foreigners funding our current-account deficit] will come to an end, the flows will turn against us and there will be a crisis that will result in rapidly rising interest rates and a rapidly depreciating dollar that will be very disruptive. But I don’t know what to do about it.”
He continued: “In order to correct it with income growth, we have to have artificially depressed growth pushed down below our trading partners in order to correct it. The other alternative is a depreciating dollar, which I can’t talk about. But over time, I think there’s only one direction [for the dollar.]”

With such official talk the Fed is now “engineering” a further drop of the Dollar value. They will aim for a 20% drop. Maybe they can do so, maybe it will get out of hands – if these markets move, they are hard to stop – i.e. a US$ crash.
For folks who have their money in US Dollars, this does simply say that the buying power of your investment will drop 20% in value, because you are not taking the few steps needed to transfer them into other currency.
Do you think gas at the pump (in US$) is expensive now? Think again. Those Sheiks do calculate in gold onces not in US$
Mc Teer is now flashing the biggest warning light there is, you better act now.

Posted by: b | Oct 8 2004 21:36 utc | 17

I’m surprised that a government official would be so, well, brazen about it. What kind of a self-respecting bureaucrat says: “But I don’t know what to do about it”???
If they think they can duplicate the late 1980s and bring down the dollar without serious problems (apart from that nasty stock market crash in ’87), then they may not understand the state of the American economy today, as opposed to 17 years ago. Maybe it’s just my imagination, but his comments almost sound like all those officials this week who’ve been admitting what a mistake and fiasco Iraq is. A note of despairing realism for a situation that’s nearing the point of FUBAR?

Posted by: Harrow | Oct 9 2004 3:58 utc | 18

And here is another Fed pooh-bah with a brilliant flash of satori, this time about household savings.

But the bottom line, Mr. Ferguson says, is that “the problem of inadequate national savings is still there”.

(Well, he did make more excuses than Mr. McTeer.) Maybe Fed officials have always been more realistic than the fables that regularly issue from the White House. Is there some kind of coordinated Fed campaign to cover their asses, because they know how ugly things might get in the future?

Posted by: Harrow | Oct 9 2004 4:23 utc | 19

@Cloned Poster –
billmon is indeed the ancestor of the two blogs you mention, but he doesn’t OWE us anything – rather the reverse, in a way – he is like a father to this community of discourse
but as to where he is – the last we heard from him (the la times piece), he was NOT in a good mood – clearly burnt out – and maybe it’s better if he chooses to remain silent
as wittgenstein said, “when you forget the words – hum” or something like that

Posted by: mistah charley | Oct 11 2004 5:56 utc | 20

b,
You mention the Canadian $ as one of your preferred currencies. In your 10/8, 12:56 AM post you say, “If the Dollar crashes other currencies -if not bound to the Dollar- will rise in relation.”
That part I get but what I haven’t figured out is how one can find out whether a currency is or is not bound to the dollar.
This is really academic for me now as I gather from your suggestion that the Canadian $ is not bound to the US $; and being a Canadian ( my born citizenship, I’m a naturalized American) if I move currency it would be in that direction.

Posted by: Juannie | Oct 11 2004 13:38 utc | 21

John Walbridge of Indiana University, who has long experience in the Middle East and Pakistan, writes:
” Your readers might be interested in my private index of the progress of the War on Terror: the exchange rate of the dollar against the euro and the Pakistani rupee:
On Sept. 11, 2000, while Clinton was in office the euro traded at about $.86. By Bush’s inauguration it had gone up to about $.96, but it had declined to $.91 by Sept. 11, 2001. On Sept. 11, 2002, the euro had risen to $.97, a year later in 2003 to $1.12, and by Sept. 11, 2004, it was trading at $1.23, over a third above where it was at the time of the attacks–in other words, a 26% devaluation of the dollar in the course of the War on Terror. This devaluation is the dog that didn’t bark in
the current presidential campaign.
A more telling index of the progress of the War on Terror is the exchange rate between the dollar and the Pakistani rupee. The rupee tends to be pretty closely tied to the US dollar, in good part because Pakistanis like to keep their savings in US hundred dollar bills. When I first encountered the Pakistani rupee in September 1997, it was trading at a little over 41 to the dollar. On Sept 11, 2000, it traded
at 55 to the dollar, which had fallen to 59.5 by Bush’s inauguration, and 64.2 by 9/11/2001. The rupee rose to 59.6 by Sept. 11, 2002 and 57.8 by Sept. 11, 2003. It has since dropped slightly to 59.5 to the dollar.
Therefore, during the course of the War on Terror, the Pakistani rupee has risen about 8% against the U.S. dollar, despite having lost 20% against the euro in the same period.
In other words, if the money changers of Pakistan are to be relied upon–and they are nobody’s fools in my experience–the prospects for economic stability in Pakistan are shaky, as witness the decline against the euro, but the prospects for the United States economy are worse.”

John Walbridge
Chair, Near Eastern Languages and Cultures
Director, Middle East and Islamic Studies Program
Goodbody 222
1011 East Third Street
Indiana University
Bloomington IN 47405-7005
Source

Posted by: Buddy can you spare a rupee? | Oct 11 2004 15:00 utc | 22

@Juannie
Malaysia, Hong Kong and China have US$ pegged currencies. Many other east-asian countries keep their currency range bound to the US$.
UK, Aussiland, Euroland, Canada, New Zealand are not US$ pegged and pay higher interest with less risk. They will rise when the US$ falls. Canada should be afine country to put your money to, especially if you have the background.
Last Wednesday one could convert US$ 1,000 to CA$ 1,260. Today one can convert CA$ 1,260 to US$ 1,004.
Jan 2003 one could convert US$ 1,000 to CA$ 1,562. Today one can convert CA$ 1,562 to US$ 1,245.
I do, as may others, expect this trend to continue.

Posted by: b | Oct 11 2004 17:17 utc | 23