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Today's Economics Lesson

"The Mirage of Inflation"

"The more knowing inflationists recognize that any substantial increase in the quantity of money will reduce the purchasing power of each additional monetary unit - in other words, that it will lead to an increase in commodity prices. But this does not disturb them. On the contrary, it is precisely why they want the inflation. Some of them argue that this result will improve the position of poor debtors (the U.S. government?) as compared with rich creditors (owners of government debt?). Others think it will stimulate exports and discourage imports (a China strategy of the Bush Administration?). Still others think it is an essential measure to cure a depression, to "start industry going again,"(bailouts?) and to achieve "full employment (infrastructure spending?)...

"So inflation... may indeed bring benefits for a short time to favored groups, but only at the expense of others... It leads to the overexpansion of some industries at the expense of others. This involves a misapplication and waste of capital (throwing money at GM). When the inflation collapes, or is brought to a halt, the misdirected capital investment - whether in the form of machines, factories, or office buildings - cannot yield an adequate return and loses the greater part of its value. Nor is it possible to bring inflation to a smooth and gentle stop, and so avert a subsequent depression (1981-1982)...

"Yet the ardor for inflation never dies... Inflation is the auto-suggestion, the hypnotism, the anesthetic, that has dulled the pain of the operation. It is the opium of the people. And this is precisely its political function. It is because inflation confuses everything that it is so consistently resorted to by our modern "planned economy" governments (Washington to take over Detroit, the housing industry, etc.)...

"Like every other tax, inflation acts to determine the individual and business policies we are all forced to follow (hence Jim Cramer doesn't care - he'll just profit from the game while it lasts, and tough luck to anyone not as smart as he is). It discourages all prudence and thrift... It often makes it more profitable to speculate than to produce (housing bubble anyone?)... Its inexcusable injustices drive men toward desperate remedies (Obama). It plants the seeds of fascism and communism (not a problem for Obama?). It leads men to demand totalitarian controls (wage and price controls, nationalized health care). It ends invariably in bitter disillusion and collapse (unless a Ronald Reagan appears)."

Henry Hazlitt, "Economics in One Lesson"
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And Then There's the Ultimate Contrary Indicator...

The Irascible Don Luskin, from his site, poorandstupid.com:

Paul Krugman in Stockholm to collect his Nobel loot, and lecture the world on the the end of the world:
"A scenario I fear is that we'll see, for the whole world, an equivalent of Japan's lost decade, the 1990s -- that we'll see a world of zero interest rates, deflation, no sign of recovery, and it will just go on for a very extended period," he told a news conference.

Krugman added that in his worst case scenario there would also be a series of extremely serious crises "in particular countries that are in big trouble."

What an insight. "Crises" in "countries that are in big trouble." Does that mean there will be no crises in countries that are not in big trouble? But I digress...
"We can easily be talking about a world economy that is depressed until 2011 and maybe beyond," Krugman said.
"If there's a safe place I can't see it."

Buy everything. Buy it now.
Thanks to Chris Ciancio and Ajeya Tatake.
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Dennis Gartman Weighs In

Okay, you figured out that I was watching Fast Money today. And what a day it was in the world of money. First, there is the continuing saga of the Detroit Three bailout. Then, there's the Obamalama's weekend pronouncement on fiscal stimulus. So here is Dennis Gartman's take: "Obama is not going to pay any attention to the deficit, nor should he." Mr. Gartman thinks inflation is definitely an issue for the future. In this regard, he points to the very important facts that (a) as of now, the Fed is not monetizing debt; and (b) velocity is non-existent. Conclusion: "you want to own things that, if you drop 'em on your foot, they hurt."

I think Mr. Gartman is largely correct, however I'm not as optimistic as he is. In principle, I am not strongly against the idea of deficit-financed stimulus (though I'm very concerned that piling deficits upon deficits in a very inefficient manner, as is almost certainly going to happen, smacks of stagflation down the road). Further, it's nice that the Fed has not yet had to "monetize" (purchase government bonds in the open market as a means of pumping cash into the economy), but it would, franky, be a miracle if this happy circumstance lasted forever (note that with short-term bills paying essentially zero, and the 10-year at 2.74, somebody is monetizing for them... for now.)

Velocity non-existent? I'm going to assume this is true, because it sure looks like it. This is an argument for stimulus of all sorts. Sadly, we are likely going to get all sorts of inefficiently-applied stimulus on the demand side, and not a word about stimulus on the supply side (which would be where the velocity issue could be best addressed).

Bottom line: I think Mr. Gartman puts a seasoned, reasoned voice to the optimism we're now seeing on the Street. I want to emphasize, I don't by any means think there is no prospect for a sizeable bounce in both GDP and the stock markets; my concern is for what happens when people like Mr. Gartman decide that inflation has become an issue for the present. It's going to happen, and I don't mean in 10 years. But for now, I think you have to pay careful attention to his "hurts the foot" thesis
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Jeff Macke Weighs In

The bailout, "let's be honest, will never work." It's a "band aid on an ax wound." To Pete Najarian's remark that the bailout plan is "not so great" for common shareholders, Macke the Knife responds "not so great apparently being Armenian for absolute hose job."
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Investment Thought of the Day

Today's ITD comes from Peter Thiel, principal of Clarium Capital Management, a "global macro" (I think that means "big picture") hedge fund. Mr. Thiel made the following observations on CNBC today with Maria Bartiromo.

"I think the economy will stabilize faster than people think, then have more problems down the road than people think...

"We got into this mess because of excessive debt, and we're going to get out of it by papering over it with more debt?"


I think this is consistent with my recent observations. (Obviously, this should be much more impressive to me than to the highly-esteemed Mr. Thiel.) First, Mr. Thiel's view is consistent with my belief that as pure panic abates (.01% 1/mo.; .01% 3/mo.!), both the economy and the stock market will rebound somewhat. After all, all that money on the sidelines is going to go somewhere. Second, we have yet to hear anything from any source indicating that inflation, down the road, is not going to be an issue. Take a look at the action in commodity and infrastructure stocks, as well as the home builders.
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A Health Care Company that Makes Cars

That's the description William McGurn offered for GM in his WSJ column last week. Though this epithet is in no way Mr. McGurn's original material, he's to be congratulated on some very original thinking regarding a very old automaker issue - legacy costs in the form of health care obligations. The scope of the problem? GM "provides health care benefits for a million people today - only a fraction of their actual workers."!

McGurn's idea? Offload responsibility from employer to employee, using the hot new formula of Health Savings Accounts (HSAs) plus low-cost catastrophic coverage. Unquestionably, this would reduce costs for everyone. Why? Massive efficiencies to be gained by giving more control over spending decisions to consumers, who would not be "at the mercy of business managers and union leaders who agree to cut health benefits as part of a corporate rescue".

Moreover, as McGurn notes, this would not only benefit workers, and obviously auto companies (which would be liberated to act less like health care companies), but also those American workers who have no health coverage at all, yet who would be, under any bailout, "taxed to fulfill the generous promises made to the UAW".

The Quixotic McGurn challenges Rick Waggoner to use his platform before congress this week to encourage the membership to grease the wheels for such a transition. Alas, this is about as likely as Congress altering CAFE standards, another sure-fire way to aid Detroit sans bailouts.
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Today's History Lesson

"At the Constitutional Convention, the delegates had decided to create a federal district, ten miles square, in an unspecified location. This decision generated melodramatic speculation. Some people found the idea of a separate capital fraught with danger, fearing a privileged enclave. Governor George Clinton envisioned the ten-mile square as the scene of a presidential 'court' disfigured by royal trappings and marked by 'ambition with idleness, baseness with pride, the thirst of riches without labor...flattery...treason...perfidy, but above all the perpetual ridicule of virtue.'"

Ron Chernow, "Alexander Hamilton", pp.324-25
 
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The Chevy Volt - That's the Ticket!

The Chevy Volt is GM's forthcoming plug-in hybrid. It will have to be re-charged for 6 hours to provide 40 miles of gasoline-free driving. It is acknowledged to be unsalable without multiple government subsidies. With subsidies, it will be priced at $40K, at which it will still be a money-loser. Recall, Detroit is pilloried for selling vehicles that still can be made and sold profitably. Nevertheless, the omniscient Obamalama wants to condition a UAW bailout on a mandate that Detroit made more "green" cars. Hmmm. If consumers wanted "green" cars, would a mandate be necessary? More specifically, if consumers wanted Detroit's "green" cars, would such a mandate be necessary?

As Holman Jenkins gloomily describes the above scenario, "Washington here is just marching Detroit deeper into an unsustainable business model, requiring ever more interventions in the future." Mr. Jenkins further speculates, with good reason, that on this path, nationalization is the next stop. How'd that turn out for British Leyland? I'm seeing years, if not decades, of massive taxpayer subsidies to keep Michigan afloat, at a huge cost to GDP growth and the nation's fiscal health, leading ultimately to a sale (re-privatization) to healthy foreign-based makers, upon condition that massive deregulation occurs.

Mr. Jenkins suggests (again) that we ought to just scrap CAFE altogether and allow Detroit to produce a product mix that will maximize profitability - rather than being forced by CAFE rules to build excess small cars in UAW plants. Remarkably, the less we hear from Washington about reforming CAFE - a 1970s relic that pre-dates the explosion of high-mileage Japanese sales - the more we hear about "conditions" (i.e., micromanaging) to Detroit from Washington. Has anyone considered that this is a big reason why Detroit landed in this unfriendly place to begin with?

Folks, the same people who created the housing bubble and bust are now going to run Detroit. Thus we have the Chevy Volt, a very imperfect vehicle, which nevertheless serves as a most worthy exemplar not only of where Detroit is headed in this brave new world of Washington control, but also of what is in store for the greater economy. As I mentioned on Tom Sullivan's show some weeks ago, all thinking people should know where this road ends. It's called stagflation - if not serfdom.
 
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Quote of the Day

"When government decides to solve something, we have learned to be wary. The cure may not always be worse than the disease, but it is usually bigger and it costs more."
Ronald Reagan, Oct. 29, 1972
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Never Mind

Consistent with Rush's recent expressions of wonderment regarding the degree to which the press and democrats (I know, a redundancy), including Barry O himself, are now learning that "that GWB, he's really a heckuva guy", I saw a piece in the Nov. 4 WSJ concerning Guantanamo Bay entitled ,"Guantanamo Revelation". This piece was a response to a 1600 word study of Gitmo in the New York Times, which could have been entitled "Never Mind".

It seems that upon extensive examination of the details, the Times has found that "gee whiz, many of the terrorists at Gitmo really are dangerous terrorists." In fact, the Gitmo detainees include many implicated in such crimes as the 1998 Kenya Embassy bombing, the USS Cole bombing, as well as the "Dirty 30" - OBL's personal bodyguards. Moreover, the poor little lambs are in fact so notorious that "at least 60 detainees have been cleared for release or transfer but no other countries will accept them." Any democratic congressman care to offer up his district?

Here's the upshot. Now that GWB is on his way out, neither he, nor his policies, need to be destroyed. "Delendo Carthago Est" no longer applies. I have maintained for years - since shortly after the initial invasion phase of Iraq - that GWB had to be destroyed, because success in Iraq would yield to the GOP electoral riches almost beyond imagining. In short, party before country (not a problem for those who don't believe in country anyway - "Imagine"!).

Now, their "mission accomplished", having gotten what they apparently wished for (the actual responsibility of governing), I guess we can expect to hear more about how that GWB is not such a bad guy after all, and his policies really weren't so far off. In fact, they can probably be made to work - with just a little bit of that old magic from the Obamalama
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Investment Thought of the Day

From Doug Kass, courtesy Larry Kudlow's kudlowsmoneypolitics blog. According to Mr. Kass, we are witnessing a "once in a lifetime short opportunity in fixed income investments".

I agree. After all, how much closer to zero can we get? Besides which, I'm becoming more and more convinced by the day that, as the old French economist (Jacques Reuff) might say, "The Age of Inflation" is upon us. It is only a matter of time, as I see it, before significant inflation premiums are once again priced into bonds. (See Robert J. Samuelson, "The Great Inflation and its Aftermath").  

This will not be good for stocks. It would be the flip side of the phenomenon which occurred beginning November, 1994, when the 30-year yield peaked at, if I recall, 8.04% on Election Day! The downward reversal of the long-term interest rate trend in the wake of the Republican takeover of Congress was the precipitating factor in the stock market boom of that decade (though other factors, particularly the capital gains rate reduction in Clinton's second term, later contributed greatly).
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Stimulus, Hangover; More Stimulus, Bigger Hangover

Reading the sometimes-excellent Steve Sailer's lengthy piece yesterday on infrastructure spending, the old lightbulb-in-a-balloon over my head illuminated. Actually, it was the last segment of Sailer's piece that caused this phenomenon(?), in combination with a 24-month chart of crude prices that went up on CNBC. Try this on for size: we are now in the hangover phase of a Keynesian stimulus, whose origins lie with Alan Greenspan's (aka, "The Maestro") post-9/11 efforts to postpone the economic effects of the terrorist calamity by creating a housing bubble. Now, it seems, we are going to try to power our way out of this hangover with even greater Keynesian stimulus. How should we expect this to end?

Here's how I came up with this crazy theory. First, per Mr. Sailer, "California got us into this mess." How? A classic, banana-republic 2-step: (a) as epicenter of an affirmative action housing bubble, which was engineered as a post-9/11 stimulus; and (b) as poster child for the irresponsible and clueless inability of state and local governments to balance a budget even during boom times.

Next, of course, is the federal gummint, and its massive deficits during a lengthy expansionary phase. And third, there is the bursting of the oil bubble. Not that the oil bubble was stimulative, of course, but that it may have been symptomatic of all of the above-mentioned, 1960s-style, guns-and-butter, over-stimulation and hangover.

Conclusion? The problem with Keynesian stimulus is that, as with so many ingestibles, recreational or otherwise, the more you use it, the bigger the dose that's needed to achieve ever-decreasing effect, ending eventually in a painful detoxification (see 1981-82, depression of). Washington is now determined to drink its way out of the current hangover, by throwing cash by the tens of billions at failed business models, inept state governments, and jobs programs slated to cost upwards of $1M per job created (per WSJ editor Stephen Moore). As the highly-esteemed Holman Jenkins describes in yesterday's WSJ with the wonderfully apropos athletic/religious metaphor of the "Hail Mary" pass, "unless Gerard Phelan catches the ball (from Doug Flutie) in the end zone and GDP bounces back strongly, the bailout's end result may be towering tax rates, domestic spending cuts or serious inflation - or all three."

All of this points back to November, 2006. In fact, it really points back to a time many moons earlier when "The Maestro" pounded his fist on the table and told us all to buy houses and take loans, because he's going to keep rates low. I felt at the time that this was an appropriate response to the 9/11-caused recession, provided that responsible fiscal policy could pick up the slack once the bill on this gambit came due. As dubious a proposition as "responsible fiscal policy" may have seemed at the time, as of November, 2006, it became completely implausible (and the markets knew it). Thus, the current hangover, and it looks to me like the Obamalama is prescribing (at least) a liter of Vodka therapy. So unless, per Holman Jenkins, Flutie actually connects with Phelan, the next stop on this Keynesian ride is going to be a lengthy detox.
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Today's CAFE Update

From the WSJ, 11/19/08:
"It is difficult to overstate the damage that CAFE has done to GM over the years. The entire purpose of CAFE is to force companies like GM to do something other than build and sell the vehicles that would earn them the greatest profit...CAFE has bled GM of tens of billions of dollars in profits over the years. If they had all of those dollars in the bank today, they would not be on the brink of bankruptcy. CAFE forced GM to build millions of small cars and sell them at a loss. To make matters worse, CAFE made it illegal for GM to exploit its single most profitable brand, Cadillac."

Louis Woodhill, Club for Growth, as quoted from Real Clear Politics
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CAFE and the Ruin of Detroit

Holman Jenkins of the WSJ recently hit upon a tremendous idea that would not only help the Detroit Three survive (and perhaps even thrive if and when the economy returns to growth mode), but also save the taxpayers from massive subsidization of failure, which, as we know all-too-well, will only beget more failure. His solution: abolish the ridiculous "two fleet" rule that guides CAFE compliance.

The "two fleet" rule holds that in determining CAFE compliance, manufacturers must segregate their fleets by "domestic" and "non-domestic" production. Then, a determination is made for each of these categories, separately, whether they comply with CAFE. Thus, even if your combined "domestic" and "non-domestic" fleets are in compliance, if your "domestic" fleet, by itself, is not, it must bring itself into compliance or pay heavy fines.

The effect of this approach, according to Mr. Jenkins, is that domestic manufacturers are trapped into making large numbers of money-losing, high-mileage vehicles in the U.S., as a sop to the UAW. This dilemma has potentially huge consequences not just for the health of Detroit, but for economic recovery generally.

Folks, this is the 21st century. Walter Reuther died in 1970. Ancient rules such as the "two fleet" rule are the barnacle-encrusted residue of a world in which the "Big Three" ruled like Triceratops, and the UAW squeezed them for their share. Now, in a world in which the "Big Three" are clinging to life, thanks to this anachronism we are faced with two alternatives, on promising, one ugly.

The good: permit a company, such as Chrysler "which has a perfectly salvageable business" to meet CAFE standards by making low value-added, high mileage vehicles offshore, thus leveling the cost structure playing field with "foreign" makes (which not only aren't unionized, but infamously evade the two-fleet rule by minimizing domestic content in their U.S.-made cars so they can count as "non-domestic").

The ugly: a never-ending bailout, consisting not only of direct taxpayer aid, but massive indirect costs to the nation in terms of protectionism and "taxpayer financed industrial cronyism".

I wish I could be optimistic about where this is headed. In theory, the indications of apparent willingness on the part of the UAW to go along with "concessions" might indicate the possibility of a solution along the lines set forth above. But, as mentioned in other posts, I'm afraid the endgame doesn't involve putting the Detroit Three on a solid footing for profitability as private (non-goverment sponsored) entities. This, I'm certain, bodes ill for economic growth.
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Schumer Mobiles

As Holman Jenkins has noted repeatedly in his Wednesday WSJ columns, the government's choice to "bail out" Detroit, rather than revise or revoke onerous rules that have contributed mightily to its downfall, suggests nationalization as the endgame. Why? According to Charles Krauthammer, "once the government owns Detroit, it can remake it." What does this mean? "Liberals have always wanted the auto companies to produce the kind of cars they insist everyone should drive: small, light, green, and cute. Now they will have the power to do it." 

The next question is, will anyone buy them? To the extent this scenario plays out, we will suffer yet again the consequences of liberal fixes for liberal problems. Detroit going down the tubes because they can't sell unprofitable cars the government forces them to make? Make them make more. As Mr. Krauthammer noted,
 
"If you think we have economic troubles today, consider the effects of nationalizing an industry of this size, but now run by bureaucrats issuing production quotas to fit five-year plans to meet politically mandated fuel-efficiency standards - to lift us to the sunny uplands of the coming green utopia." 
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