QuoteCommercial property may cause new crisis, says FSA - Business News, Business - The Independent
The City watchdog has sounded alarm about the prospect of a meltdown in commercial property. Announcing much tougher stress tests for banks, the Financial Services Authority raised concerns that they are not setting aside enough to cover losses on the sector.
In its overview of the financial risks facing Britain this year, the FSA said about £160bn of UK commercial property debt would mature over the next five years. During the recession, many commercial property companies were supported by forbearance from banks, which often waived conditions attached to loans, it added
Ovo je UK...ali...danas opet gledam ovde prolazeci kako su nove i nove table sa "For lease / sale" iznikle na sve strane. Sad i veliki igrachi zatvaraju radnje/predstavnishtva...Kad se u shoping centrima isprazne radnje i stave ove table evo vec mesecima te radnje stoje prazne i nema novih biznisa da ih okupiraju.A na TV-u kazu nikad bolje.Ne znam ko je lud ovde...Muz mi pricha kad krene na posao na jednoj velikoj raskrsnici tu vec nekoliko dana stoji chovek sa tablom ( kaze izgleda ugladjeno) na kojoj pishe da trazi posao...
Razmishljam neshto kako cene kuca ovde ne padaju vec rastu da sachekamo josh malo pad ovih commercial properties pa da vidim da cerka kupi neki lokal...
Prava dubina moralne krize u USI...
QuoteChristians Urged to Boycott Glenn Beck - The Caucus Blog - NYTimes.com
Last week, the conservative broadcaster Glenn Beck called on Christians to leave their churches if they heard any preaching about social or economic justice because, he claimed, those were slogans affiliated with Nazism and Communism.
This week, the Rev. Jim Wallis, a liberal evangelical leader in Washington, D.C., called on Christians to leave Glenn Beck.
"What he has said attacks the very heart of our Christian faith, and Christians should no longer watch his show," Mr. Wallis, who heads the antipoverty group Sojourners, wrote on his "God's Politics" blog. "His show should now be in the same category as Howard Stern."
Mr. Beck, in vilifying churches that promote "social justice," managed to insult just about every mainline Protestant, Roman Catholic, African-American, Hispanic and Asian congregation in the country -- not to mention plenty of evangelical ones.
Even Mormon scholars in Mr. Beck's own church, the Church of Jesus Christ of Latter-day Saints, said in interviews that Mr. Beck seemed ignorant of just how central social justice teaching was to Mormonism.
QuoteLast week, the conservative broadcaster Glenn Beck called on Christians to leave their churches if they heard any preaching about social or economic justice because, he claimed, those were slogans affiliated with Nazism and Communism
Kakav moron :x :?
Pa gde nadje bash hrishcane da poziva xtwak
QuoteIt is difficult to overstate the breadth of Mr. Beck's ignorance. It may even exceed that of his audience.
Kad smo kod moralne krize u US, sto ne pogledas koliko je novca narod odavde poslao na Haiti?
A koliko svi vi ostali - zajedno? Ili recimo u Indoneziju, onomad?
:roll:
Glenn Beck je ludak, a ovi sto ga gledaju su budale.
Jeli on nesto zinuo protiv Springstina, "Born in d ju es ej"?
QuoteNjujork tajms: Novi finansijski potres 2012.
18. mart 2010. 11:28 > 11:37
Finansijskim tržištima za dve godine preti novi zemljotres, upozorio je američki dnevnik "Njujork tajms".
Tu tvrdnju ugledni list obrazlaže time što 2012. počinje trogodišnji period tokom kojeg će dospeti za otplatu rizične obveznice (dugoročne hartije od vrednosti) firmi čiji je rejting BB i niži, u ukupnoj vrednosti od čak 700 milijardi dolara.
Mnogim preduzećima je hitno potreban "svež" novac i postoji veliki rizik da će ta povećana tražnja za gotovinom preopteretiti kreditna tržišta i mnogo firmi će postati platno nesposobno, upozorava "Njujork tajms".
Problem se, pri tome, ne odnosi samo na firme sa niskim rejtingom, ukazuje list i dodaje da bi, u času kada se bude morao "loviti" novac, refinansiranje dugova moglo da ugrozi i vlade pojedinih zemalja.
Primera radi, američka vlada će 2012. godine morati da pozajmi gotovo dva biliona dolara (dve hiljade milijardi) za premošćavanje planiranog budžetskog deficita i refinansiranje postojećeg duga.
Zbog bojazni od porasta zaduženosti država, agencija "Mudis" je u ponedeljak upozorila SAD, Veliku Britaniju i druge zapadne zemlje sa kreditnim rejtingom na nivou AAA da vrhunsko vrednovanje njihovog kreditnog boniteta može u budućnosti biti dovedeno u pitanje.
Zaduženost država je dodatni problem koji može imati negativan uticaj na ekonomiju, osim borbe firmi za dobijanje sredstava za refinansiranje obaveza.
Mogućno je da ponovo dođe do ukidanja radnih mesta i ograničavanja potrošačkih izdataka, a pojedinci će, isto kao i firme imati problem da dobiju kredit, upozorava se u tekstu.
Povrh svega, 2012. godine će biti potrebni novi krediti u ukupnoj vrednosti od 526 milijardi dolara i za preduzeća sa rejtingom na investicionom nivou. Prema mišljenju stručnjaka, tržišta ne mogu da savladaju tu ogromnu tražnju za refinansiranjem, a finansijski sektor čeka "dan obračuna".
"Njujork tajms" upozorava da apokaliptične vizije ne dele samo večni pesimisti i proroci propasti.
Čak i agencija "Mudis", koja je poznata po smirenim javnim saopštenjima, poziva na uzbunu.
"Ako firme ne reše taj problem, od 2012. godine preti pokretanje lavine", izjavio je analitičar te rejting agencije Kevin Kesidi.
Investicione firme i mnoge nefinansijske institucije su pre početka kreditne krize 2007. godine stizale do svežeg novca dosta lako i jeftino, ali im to posle 2012. neće uspeti, upozoravaju stručnjaci.
Krediti koji su uzeti pre krize, naime, imaju uobičajeni rok naplate od pet do sedam godina, tako da firme moraju da počnu da ih otplaćuju od 2012. Tome treba dodati činjenicu da su mnoga preduzeća, koja su trebala da isplate kredite u prošloj i ovoj godini, uspela da pomere njihovu otplatu za dve do tri godine.
Tako bi, prema pisanju "Njujork tajmsa", finansijska tržišta mogao posle 2012. godine da očekuje"poslednji sud", ili to što eksperti za obveznice nazivaju "zidom zrelosti" (maturity wall).
Kreditna tržišta poslednjih meseci su se, u osnovi, vratila u normalu, što signalizira poverenje u oporavak privrede i znači da firme opet imaju lakši pristup kreditima, prenosi agencija TASR.
Problem je da li će tržišta uspeti da apsorbuju predstojeće ogromno povećanje tražnje za kreditima.
(Tanjug)
"Mudis" :|
"Zid zrelosti" :|
"ukidanja radnih mesta" :|
"ograničavanja potrošačkih izdataka" :|
"sa rejtingom na investicionom nivou" :|
"dan obračuna" :| :evil: :|
"poslednji sud" :|
Megadeth Reckoning Day (http://www.youtube.com/watch?v=mzVLBrxKesU#)
Missim sta da ti kazem, likvidiraj sve to iz svog portfoliJa...
QuoteCommercial Real Estate: Half of Commercial Mortgages to Be Underwater: Warren - CNBC
By the end of 2010, about half of all commercial real estate mortgages will be underwater, said Elizabeth Warren, chairperson of the TARP Congressional Oversight Panel, in a wide-ranging interview on Monday.
"They are [mostly] concentrated in the mid-sized banks," Warren told CNBC. "We now have 2,988 banks--mostly midsized, that have these dangerous concentrations in commercial real estate lending "They are [mostly] concentrated in the mid-sized banks," Warren told CNBC. "We now have 2,988 banks--mostly midsized, that have these dangerous concentrations in commercial real estate lending.."
QuotePayback Time - States' Debt Woes Grow Too Big to Camouflage - NYTimes.com
California, New York and other states are showing many of the same signs of debt overload that recently took Greece to the brink -- budgets that will not balance, accounting that masks debt, the use of derivatives to plug holes, and armies of retired public workers who are counting on benefits that are proving harder and harder to pay.
And states are responding in sometimes desperate ways, raising concerns that they, too, could face a debt crisis.
New Hampshire was recently ordered by its State Supreme Court to put back $110 million that it took from a medical malpractice insurance pool to balance its budget. Colorado tried, so far unsuccessfully, to grab a $500 million surplus from Pinnacol Assurance, a state workers' compensation insurer that was privatized in 2002. It wanted the money for its university system and seems likely to get a lesser amount, perhaps $200 million.
Sta imaju zajednicko California & NY? Visoke poreze i jos vise entitlements & wellfare.
A sta imaju razlicito:
CA ima Ramba i Terminatora, a NY Woddy Alena