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Raymond J. Learsy

Raymond J. Learsy

Posted: March 20, 2009 01:43 PM

AIG, Toxic Assets and the Call to Personal Sacrifice


In a far ranging and timely column this week "Obama's Real Test," Tom Friedman cited an extraordinary example of personal engagement and sacrifice responding to the financial disaster facing the nation. While the worthies at AIG were gulping down million dollar plus bonuses, the teachers of Montgomery County Maryland willingly gave up their five percent contracted pay raises, saving $89 million, so that programs and teachers would not have to be terminated in their school district. The salaries they voluntarily cut averaged $67,000 a year, probably not much more than the monthly take of the AIG bonus boys and gals. Other examples of shared sacrifice are proliferating around the country. One further example, the Anderson Ranch in Snowmass, Colorado, a teaching community for the arts has taken a five percent staff pay cut, period.

But if there has ever been an example of "sow and ye shall reap" gone awry it is the madcap stripping of the national treasure by those who have brought us to the edge of the cliff. Little if any personal sacrifice here, let alone consternation at the extent of the damage wrought.

In his op-ed, Friedman makes an interesting point in explaining the workings of the derivative market. He cites the need to cleanse bank balance sheets of their toxic assets so they can return to their function of healthy lending institutions. And here he suggests, certainly with good reason, that the banks are carrying their toxic assets on their books for 85 cents on the dollar, but if forced to sell would have to sell them for less.

And there is the rub, stripping off the scab of probably the greatest outrage of the current financial heist. Those derivatives, the likes of CDS, or better termed "toxic assets" that were carried on the books for 85 cents on the dollar, probably without an AIG bailout, had a value of arguably less than 20 cents on the dollar (Lehman paper was being quoted at about a dime -- I know I am mixing apples and oranges but I'm sure you get the drift).

Certainly if you or I had popped into Goldman Sachs, Morgan Stanley, Bank of America, France's Societe Generale, Germany's Deutsche Bank and offered to buy their AIG derivatives for 85 cents on the dollar before the AIG bailouts, champagne corks would be popping in corner offices from Wall Street to Frankfurt. But hey, why take 85 cents on the dollar on your 20 cent derivatives if you have dumb Joe Taxpayer being steered into your arms at 100 cents on the dollar by their Wall Street cronies in government.

Yes, 20 cents on the dollar might have brought about systemic disaster for the system, but could the same be said for Friedman's suggested 85 cents on the dollar.

And that would have been a haircut comparable to that which was volunteered by the teachers of Montgomery County who had nothing to do with this mess, and whose example should shame the Wall Street Mafia to begin laying off the pressure for more, more and more unrestricted bailout funding without bellying up to the plate and carrying their share.

In a far ranging and timely column this week "Obama's Real Test," Tom Friedman cited an extraordinary example of personal engagement and sacrifice responding to the financial disaster facing the natio...
In a far ranging and timely column this week "Obama's Real Test," Tom Friedman cited an extraordinary example of personal engagement and sacrifice responding to the financial disaster facing the natio...
 
 
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HUFFPOST SUPER USER
mommadona
I paint. I blog. Therefore, I am.
01:30 PM on 03/21/2009
"But if there has ever been an example of "sow and ye shall reap" gone awry it is the madcap stripping of the national treasure by those who have brought us to the edge of the cliff.

Little if any personal sacrifice here, let alone consternation at the extent of the damage wrought."

Until we realize that this was ALL PLANNED OUT and KNOWN ABOUT AT ALL LEVELS, and that it is literally the legalized ROBBERY of this country's TREASURY by the friends and RELATIONS of the BUSH DYNASTY (41-43 et al)....we won't get to the bottom of it.

Follow the dots.
Connect the dots.
Marvel at the balls it took to pull this off in plain sight.

http://mapper.nndb.com/maps/664/000004652/
08:35 AM on 03/21/2009
Ahhhh. The end of capitalism. Some of us enjoyed it and will continue to enjoy for a little while longer. For the rest of us, wev'e been had. Just another scam that survived for about 200 years. Our descendants will look back and say how could anyone not see unfettered capitalism was a cancer whose logical conclusion was self immolation. Not one thing in capitalsim is sustainable. Every resource must be used up at an exponentially faster rate until, Bust!, its all gone. Fortunately, the universe will always come back to balance. The financial meltdown is the universe's friendly reminder that we are not in charge in this dimension. We would always like to believe otherwise. Get ready for a wild ride everyone.
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HUFFPOST SUPER USER
mommadona
I paint. I blog. Therefore, I am.
01:36 PM on 03/21/2009
They don't call it "dog eat dog" for nothing.
07:18 AM on 03/21/2009
the latest inflationary issue by the Fed artificially primps up the market and gives more "free money" to the bankers. It does nothing to aid US production and domestic wealth generation. the only difference is a tightening of credit. Whoop-de-do.
07:09 AM on 03/21/2009
the recovery plan is as wild as the deregulated situation was before. Spending by Congress and the Fed, a trillion dollars every few days .... spell extremely serious trouble ahead. The bankers are in control and talking at this point is moot.
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breakingpoint
War is a Racket - Smedley Butler
06:56 AM on 03/21/2009
Let's be honest, the US is bankrupt.

We need to call all the troops from around the world home and line our border.
Take our money/gold and wealthy back from the Federal Reserve and kick start the justice system
time to start this experiment anew, this time sticking to the constitution and the rule of law.

If we don't come clean we will be selling ourselves and our children into servitude and slavery.
09:28 AM on 03/21/2009
Ever since the Federal Reserve was instituted in 1913, they have happily accepted interest money, for letting us use our own money. Yes, Dearhearts, it is that simple.
Allowing this to take place was the greatest dream, fulfilled, for the Banksters of the world. They were on their way to the financial servitude of the worlds government that they sought.
Until, and unless we rid ourselves of this parasitic pariah, this country will go nowhere.

"Shed the Fed"
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breakingpoint
War is a Racket - Smedley Butler
06:29 PM on 03/21/2009
HR 1207
Spread it
03:35 AM on 03/21/2009
Yes, the scolding that we're "going to have to make sacrifices" was always a load of crap because it was meant to apply to the middle class and the poor. The public is forced to sacrifice their jobs and their savings (and their healthcare and their retirements) to keep the wealthy rolling in money.

Treasury insisted that those CDSs be paid at 100% on the dollar when they were worth so much less. WTF. Way too many massive unregulated bailouts and bonuses, and we're only seeing the tip of it. The feds have looked out for their pals in high finance, that's for sure.

So disgustingly out of touch with ordinary citizens. The lobbyists are happy, though. Reaganomics is going down in flames and taking the non-wealthy down with it -- which was always the point anyway.
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HUFFPOST SUPER USER
ClarcKing
Citizen
12:32 AM on 03/21/2009
The commentary by SCG is interesting because it is workable for AIG and several more Wall St. firms. However the U.S. should stop the bailouts now. It is a spectacle distraction. People not money, are the priority. I am most anxious with the Fed's decision to fight deflation with hyper-inflationary policies and actions. The actions are dangerous and may accelerate the degradation to the standard of living of the population. As the standard of living decreases people die. The U.S. is in the middle of a monetary financial derivative debt based Global economic collapse. It can't be saved. The deadly debt based engine is accelerating the contraction of the population's capacity to sustain itself. A threat to the population as all out war. As per Lyndon LaRouche: put the Fed into bankruptcy. Create the U.S. National Bank. This is our firewall protection against the Global machine. The Nat. Bank will issue currency and credits into the population's life sustaining sectors of the physical economy. Water, food, and energy production and distribution must be maintained at present levels and increased wherever possible. High paying jobs must be introduced into the economy now. This realization and perspective is necessary now to ensure the survival of the population, otherwise we continue to our doom.
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HUFFPOST COMMUNITY MODERATOR
SCG
08:59 PM on 03/20/2009
I've been saying this for a week now, nationalize AIG, conscript all necessary employees into the service. If anyone dares to blackmail or fails to cooperate, with their country in this time of crisis, let them do so from a prison.

In 1946 president Truman threaten to do just that, to railway workers who were threatening to strike. He evoked the national security interest imperiled by such a strike.

Today, we face economic meltdown, not to mention the world's economy.

I can't think of a more potent national security threat? Can you?
03:39 AM on 03/21/2009
I like this idea. Also I think that with national health care an issue, surely there is something creative we can do with ownership of an insurance company?
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HUFFPOST COMMUNITY MODERATOR
SCG
03:04 PM on 03/21/2009
I'm talking about settling it's obligations, so that they no longer pose a threat to the economy.
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HUFFPOST COMMUNITY MODERATOR
SCG
08:41 PM on 03/20/2009
Exactly, but not with our government by Citigroup.
06:24 PM on 03/20/2009
Here's the problem...

Paulson (+ Geithner, Bernanke, etc) designed this 'Ponzi' scheme (TARP). We understand everyone wanting us to buy more stock in order to keep the market up...fix the system...then we'll have 'confidence' to invest.

And that FIX is simple and oblivious, but everyone seems not to be addressing it directly...
- it's 'Corruption-Corruption-Corruption'.
ie. special interest groups, earmarks, lobbyist, elimination of rules and regulations, the financial sector having contributed over $5.2B to political campaigns, same people who got us in this mess are now tying to get us out (humanly impossible...they will, and have instead spent most of the time & money trying to cover-up the industry's underlining behavior).

Corruption is the 'root' problem here...as it is everywhere. Until that gets fixed first...everything else is redundant...we're just pouring $$$ into the abyss! Wall Street has always been Ponzi Street, and the Golden Rule always applies; 'never invest $$$ you can't afford to lose'.

Fix the 'corruption' - then we'll have 'confidence'.
The solution – 'Transparency-Transparency-Transparency'.
How? Start now Restructuring (nationalize, fix, resell) all these financial institutions - the FDIC does this every day.
thebigbike
ran away to be a cowboy
05:08 PM on 03/20/2009
Sacrifice is required only of the NOT rich. After all, it's sacrifice enough to have to figure out which car is in which garage at which house..... To have to live on $500,000 a year instead of $5,000,000? Oh the horror. And besides all this unkind talk is hurting their feelings!! Rich People have feelings too ya know! No, to try to shame these people to try to appeal to their better sides makes one believe Cyndi Lauper: Money Changes Everything!" At those levels say, the top .5% of "earners" that kind of income means you need have NO moral compass. That - like taxes - is for little people
03:45 PM on 03/20/2009
A recent blog post by a technology pundit I follow pointed out that bundled tranches are rebundled every time a loan is retired through the sale of a house or refinancing. Why don't the Masters Of The Universe want to simply write down the bad loans within the tranches? It can be done. Wouldn't that raise their value? The "bad loan" problem is a red herring. The hedge funds that bought the credit default swaps are being paid off dollar for dollar with OUR money. THAT's the real problem. They take our money, and then whine about the "losers" with bad loans.
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HUFFPOST SUPER USER
disgustedcitizen
02:58 PM on 03/20/2009
You see it is soooooooooo much harder to be a financial expert for AIG then to be a teacher. I mean it took a real financial expert to screw up a billion dollar corporation the way these guys did. So why should they make any sacrifices?