Monday, July 9, 2012

A Double Dip Recession may be the least of our concerns...


There are a number of factors that signal that a “double-dip recession” maybe on the horizon. This is not paranoid dribble; this is a straight look at the markets and determining what they are trying to tell us. I am not, by a long shot, the first to claim that a double dip recession is on the horizon. This has been said by some of the sharpest economic minds in the country, including those that predicted the housing crisis (Peter Schiff, Ron Paul). But more than double-dip recession fears, I believe there is a bigger problem on the horizon, Stagflation. There are three reasons why I believe this country is in danger of going through a Stagflation period.

1               1)   Growth of the current economy
2               2)   The power of centralized banks
3               3)   Our Debt.


There is little growth as an economy in its entirety. The last report that came out of the Commerce Department shows that the national economy only grew at a 1.9% annual rate. This does not keep consistent with the rate of inflation, which will obviously draw the ire of political talking heads on the right. The ire is deserved, as a slow growth rate after billions in stimulus programs, tax cuts and 2 rounds of quantitative easing tells us that employment may suffer further. There is also a low national savings rate (leading to a large percentage of private debt). When private debt gets to be this high, consumers are less likely to spend and when this happens the economy slows further. There is virtually no incentive for Americans to save as the bond market is abysmal and interest rates are at all time lows. When a government works in a Keynesian fashion to try and stimulate an economy and is met with lagging growth numbers, Stagflation becomes an immediate concern. The 2 rounds of quantitative easing brought on by the Fed only produced gains in the equities market, this is not the answer going forward and actually brings me to my second point. We need to reign in the Central Banking system.

This is what I find most surprising about the current progressive argument. They claim to blame big banks for the failure in the housing market, yet they don’t want to audit the very entity that allows them to control loans and apparently the American people. What rubs people the wrong way about TARP, should rub them the wrong way in regards to the Federal Reserve. The biggest political blunder, to me, in regards to TARP was the fact that the oversight committee that was tasked with keeping accountability of TARP has no idea where all of the money went. This is obviously frustrating as the American taxpayers see it as the Government losing track of 900 Billion dollars of their hard earned money. Who could blame them?  The Federal Reserve has initiated two rounds of quantitative easing while keeping interest rates low, virtually giving away free capital. This is the reason I believe that we’ve seen growth in the equities market but not anywhere else. If progressives are so angry at big banks, they should be willing to audit the Federal Reserve. If they are angered by the lack of transparency coming from big banks, they should be more concerned with the hand that feeds. It is absolutely baffling to me that the Democrats would stand against auditing the fed on partisan grounds. When we give an institution to control our currency and then not have any oversight of that institution, we are asking for corruption. The Congress has a blank check at the Federal Reserve to appropriate funds, and they have had little to no hesitation to do so.

The third reason why Stagflation could be on the horizon is our rising debt. Rising debt is not only a sign of poor financial policy, it is also a metric as to how big the government has gotten. A government that spends more money has more reach. A government that spends in agricultural subsidies ends up controlling the agricultural industry.  “We want you to do this, this and this or else we will cut your subsidy”.  This is controlling an industry. We keep hearing terms like “stimulus” and “enabling the private sector”. The problem with these strategies are that neither one details how our elected officials plan on reducing the size of the national debt. Taxing the 1% is not going to do enough to tackle our current Trillion dollar plus deficits and cutting taxes without cutting spending will only make the debt issue a bigger deal. Both sides have played ring-around-the-rosie and have grown our national debt at an unsustainable trajectory. The debt has already had its toll on the global economy. Treasuries and bonds are getting killed in this market. China is reevaluating its financial outlook and India is also following suit. The problems in the EU have been well documented (and even have been used to foreshadow what maybe to come for the US). History has shown us that cutting spending usually leads to a political candidate suffering in the demographic that was hurt most by the cut in the following election. Our Congress has very little to gain politically by actually making real cuts in the budget. Whenever a cut is brought up, the government reacts with fear mongering. They tell you what disasters will occur if “program x” is scrapped, but take little time to explain what disasters are pending if we don’t cut “program x”.  The growth of the economy isn’t keeping up with the rate of inflation, interest rates are bottomed out, and we keep spending money, A formula for Japanese style stagflation.

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