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Don McNay

Don McNay

Posted: July 15, 2010 06:10 PM

My father was a professional gambler and used to carry a roll of money that he called "walking around" money.

Walking around money is what the SEC settled for in the Goldman Sachs case.

$550 million is walking around money to a company like Goldman Sachs. It is less than 5% of the $10 billion in bonuses it paid itself last year.

Maybe "walking around" money is an understatement.

The stock market understood that Goldman got the best of the deal. Goldman's stock price surged 4.43% on rumors of a settlement. As the Huffington Post pointed out, the stock gain was probably enough to cover the $550 million fine.

Also, Goldman got a monkey off its back. It can go on without a lawsuit hanging over its head. If the SEC had taken the time to do a through and complete investigations, who knows what they would have found.

In its never ending ability to accommodate Wall Street, the SEC announced the settlement on the day when the rest of the world was focused on passage of the financial reform bill. Thus, whatever "embarrassment" Goldman might have suffered was mitigated by the settlement not being a top news story.

One of the first tricks they teach you in corporate public relations is to release bad news on a day when it will get buried.

Goldman is rich enough to hire the best public relations people.

And it looks like the best lawyers. There has to be some major high fives going on in the boardroom after getting such a sweet heart deal.

I am not sure what the SEC hoped to accomplish with a quick and inadequate settlement. It didn't make those of us on Main Street feel any better about our "watchdog."

It just gave more evidence that the SEC is safely in the arms of Wall Street.

Don McNay, CLU, ChFC, MSFS, CSSC is an award-winning financial columnist and Huffington Post Contributor.

You can read more about Don at www.donmcnay.com

McNay has Master's Degrees from Vanderbilt and the American College and is in the Hall of Distinguished Alumni of Eastern Kentucky University.

McNay has written two books. Most recent is Son of a Son of a Gambler: Winners, Losers and What to Do When You Win The Lottery

McNay is a lifetime member of the Million Dollar Round Table and has four professional designations in the financial services field.

 
 
 

Follow Don McNay on Twitter: www.twitter.com/Donmcnay

 
 
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SpongeBrad
Republicans Crashing the economy since 1929
09:27 AM on 07/16/2010
Actually, in the settlement Goldman must monitor its dealings much more closely. This means if they get caught again going forward it could be the end for them.
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09:55 AM on 07/16/2010
Oh gee whiz! GS must monitor it's own dealings this time? I'm sure they'll tell everybody when they screw up right away and of course the SEC will hold their feet to the fire THAT time around.

Whatever.
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10:44 AM on 07/16/2010
LOL! Yeah, okay....
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SpongeBrad
Republicans Crashing the economy since 1929
10:50 AM on 07/16/2010
Lets see if they get caught again in a couple years, it will make the 500 mil look like nothing
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09:17 AM on 07/16/2010
Not to worry... they're just doing God's work.
08:52 AM on 07/16/2010
Does anyone know how much GS is worth? Hundreds of Billions? Maybe 1-2 Trillion? What will be their next prey? What will be their next economic terrorist plot?
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09:56 AM on 07/16/2010
I'm sure it will be exactly like their last one but bigger and the taxpayers will have to give them even more.
08:49 AM on 07/16/2010
Is it possible that maybe, just maybe, the SEC had a very weak case to begin with, and contrary to the "Goldman got away with something" trope, its the SEC that is high-fiving each other for getting a record settlement without having to go to court and prove their flimsy case?
08:42 AM on 07/16/2010
Nobody should expect to be treated like Goldman, with the revolving door between them and government. The prosecution was reluctant at best, and was to put on a show of there being a justice system. Anybody else doing this will find their executives in jail for a long time.
ThatsTheTheWayItIs
religion, ideology, partisanship are delusional
09:14 AM on 07/16/2010
OK, without looking it up: what was the "this" Goldman was charged with?

I mean, if you know anybody else would be doing time for the offense, you must know the details, what exactly Goldman was charged with, to make that statement.

Let's hear it: what did Goldman do, and how much profit did they make from it?
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09:30 AM on 07/16/2010
As I understand it, Goldman sold junk to an investor without telling that investor that they (Goldman) AND the firm that created the junk, were simultaneously betting that the junk would fail. Goldman said they had no duty to inform the investor; that the investors were sophisticated dealers and should have done their own research.
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10:00 AM on 07/16/2010
Fraud is still illegal in the United States, well...for everyone except Goldman Sachs.

Here are the details from a former regulator who investigated the S&L scandal in the 80's:

http://www.pbs.org/moyers/journal/04032009/watch.html
08:29 AM on 07/16/2010
I just keep in mind that while Goldman, JP Morgan and all the others were committing crimes that would bring our economy and others around the world to ruin the SEC went after Martha viciously and she went to jail for saving herself $40,000.
Wall Street/Bankers have rigged the house and they will always be the winners. If Goldman had been fined a billion dollars the IRS would probably have given them a billion dollar tax break.
None of this is new, it has been happening even before there was an America.
ThatsTheTheWayItIs
religion, ideology, partisanship are delusional
09:23 AM on 07/16/2010
Disagree with last sentence. "America" was named in 1492, and there were essentially no banks anywhere: Columbus financed his voyage with the Queen's gold and jewels.

Even by 1776, global capitalism was limited. The British East India Tea company was "in" with the British, but there weren't a lot of others, and Britain was the largest, richest nation.

The term "capitalism" didn't even exist until the late 1800s, when Karl Marx coined it.
Until the railroads were built, there practically wasn't a banking system or corps here.

Large-scale crony capitalism is only about 150 years old, basically since the Civil War.
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09:45 AM on 07/16/2010
"... banks were probably the religious temples of the ancient world, and were probably established in the third millennium B.C. ... There are extant records of loans from the 18th century BC in Babylon that were made by temple priests/monks to merchants." from Wikipedia. They may not have been an entity named specifically "a bank" but they did exist. They performed the same services as banks of today, including the financing of wars, for centuries before America came into existence. I believe they were at one time called "money changers."
06:44 AM on 07/16/2010
I would settle for the $550 million, if it came with an admission of guilt and a promise to never do it again. But of course that is not going to happen. No matter what the intent of the working level people at the SEC, the word from above was to let Obama's buddy off the hook. That is how it is: the financial community owns the Democrats, owns the Republicans.

It is only a matter of time until someone who feels he or she has nothing to lose takes out an executive at one of these big firms, or a member of their board. If I were Blankfein, I'd be paying Blackwater millions to protect me and my family.
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09:25 AM on 07/16/2010
I suspect he already does. Seems that I read an article a few weeks ago about Goldman exec carrying guns.
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HUFFPOST SUPER USER
Pamela Grundy
Freelance writer & blogger.
05:23 AM on 07/16/2010
Our government has been captured. It's that simple.

On the up side, where else can you get paid to look at porn all day?
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SkiingGator
Searching for the Castle Anthrax
04:38 AM on 07/16/2010
Goldman Sachs' dog was growling at them, so they gave it a bone
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Bibulus
On my way back from Hawaii with the long-form bio
04:33 AM on 07/16/2010
Bite the hand that feeds you?

...a severe lick is appropriate, no?

Romney/Paulson 2012
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01:21 AM on 07/16/2010
Five words that I learned about at age 14 concerning how the world operates. Five words that are the most powerful words, if understood and applied, will explain just about everything that takes place in human activity - Period. Here they are, study and LEARN them well: "Money talks and BS walks."
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Middle Blue
What's a micro-bio?
12:21 AM on 07/16/2010
SEC vs. Big Law. No contest. I'll bet that the SEC didn't have enough facts or firepower to keep going.
Demidan
Jesus Chrysler drives a Dodge.
10:30 PM on 07/15/2010
Does anyone in the SEC have any stocks that would be effected by this outcome?

If so,,,

,,,It's time to divest the stock holdings of everyone who has or could have any influence over stock prices. From Congress to the SEC to the President none should have ANY stocks. Talk about conflict of interest!

Sorry, it's just so damn coincidental that the SEC has no balls.
10:20 PM on 07/15/2010
It's a three-card Monte game in play - Big Money, Congress and the White House - with the public making mere post slight of hand selections. Clearly, Goldman Sachs knew what Al Capone hadn't appreciated - cut a sweetheart deal with the law and return to highway robbery.

Now Obama and the Democratic political handlers can go calling effectively in search of campaign contributions. With this settlement in the bag even the Chamber of Commerce and Business Roundtable might be advising siphoning contributions to Democrats. And, as Obama noted recently in response to the surprising, scare tactic intended announcement of huge increases in business donations to the GOP coffers...the game is on.

The Supreme Court gave Big Money a gigantic pass to further corrupt the American political process and, primarily being political hacks, Obama and his gang are now in search of a huge share of the pie.

It's a new game in Washington, DC...with the For Sale sign in the entrance hall at the White House. "Change You Can Believe In" is now an historic relic though given five seconds consideration before moving on to business as usual. History shall write an unfavourable legacy for this administration leaving many perplexed.
08:26 AM on 07/16/2010
I wanted to post, but I read yours and it said it all. Thanks.
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OneTop
Uh, is that a beer hall?
10:01 PM on 07/15/2010
Typical SEC results involving the larger firms.

A meaningless fine with the firm neither admitting or denying any wrong doing.

The truly funny part of all this is that GS will pay the fine with Taxpayer provided money.
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01:24 AM on 07/16/2010
O.P.M. ---> Other People's Money! i mean folks....how can you go wrong here? If i were a GS employee right now I would be laying in a bathtub of cash drinking champagine out of a crystal slipper and LMAO at the folly of Wash DC.