Monthly Archives: February 2009

Understanding the Current Financial Crisis - The Perfect Financial Storm

One of the tragedies of the financial storm that reached major hurricane proportions in September of 2008 is the fact that it has been very poorly explained to the average citizen. A tremendous amount has been written about it in the past several months, much of it highly technical or politically charged, but little has been truly communicated. Washington in particular has done an unusually poor job in explaining the problem even as they have appropriated trillions of dollars to the various recovery packages.

The result has been a backlash of anger and a sharp drop of consumer confidence that has certainly made the economic pull back that much worse. The country is thus parched for good information on what is happening and why. As true as this is here at home, it is just as true abroad. The crisis is being fed by the uncertainty of what lies ahead in terms of regulatory structures, tax rates, and regulations not to mention the general macro-economic conditions we will face.

There is no denying the gravity of the current situation. The financial crisis is real, it is global, it is serious and it is growing. With the cream of the nation’s financial institutions such as AIG, Merrill Lynch, Lehman Brothers, Wachovia, Citibank, Fannie Mae, Freddie Mac and others in various stages of collapse, it is an understatement to say that this is the worse financial crisis in the past seventy years. Day by day, the economic panic is growing and is digging deeper wounds into Main Street. We tend to think of this as a financial crisis but the Main Street economy is already in worse shape than the financial markets.

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Washington’s Stimulus Package - Delayed, Diffused and Dug In

Larry Summers was famously quoted as saying that a stimulus bill should be timely, targeted, and temporary - something we can all agree on. Unfortunately, when the White House turned over the drafting of the bill to the Congress what we got was the exact opposite.

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Bailing Out the Stimulus Plan

As far as experts go, economists are an argumentative bunch that seldom agree on most things. But one thing they do agree upon is that infrastructure spending has the biggest bang for the buck. Infrastructure spending will provide real “nutrition” to the economy, not the “sugar high” of most of the goodies in the House bill.

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Proposal for a “National Infrastructure Bank”

It is a sad reality of life that real change can seldom be effected without two things: there must be a serious crisis and there must be leadership. This universal condition unfortunately seems to apply to all organizations and to the politics of all countries.
A good example of this is here is America, where our [...]

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