CIT Group files for bankruptcy

Started by KidRock2 pages

Originally posted by Darth Jello
The works of Ravi Batra are a good start. http://www.ravibatra.com/

He's predicted most of the major economic and political developments of the last decade with fairly good accuracy. He was often off because of developments in technology and policy that he couldn't predict (i.e. he predicted the current crisis heralding the collapse of free market capitalism to initially occur prior to the collapse of communism).

Basically the school sees the most dangerous economic indicators to be wage inequality, wealth inequality, and low taxes which and defines American economic policy since Reagan to be paradoxically socialist in nature in that government policy is geared towards redistributing wealth through regulation and subsidy from the bottom to the top.

Sounds like he was off about quite a few large events.

Originally posted by Ushgarak
If people are going to post threads like this, could they please try to accompany them with facts so that people don't get the wrong end of the sitck? All this is encouraging ignorance.

The Government put 2.3 billion into the group last year as part of an asset relief programme, so any talk about the timing of any bailouts is not relevant. In any case, it will make the money back (unless dumb counsel prevails and it is allowed to fail). The remaining three billion was raised privately.

This idea that companies are failing is entirely their fault due to their dumb loans is another oft-quoted myth that needs squashing. The bad loans mean little except to the companies that folded imemdiately. CIT is in trouble because it cannot raise capital, which is the knock-on effect of the sub-prime loans that has caused most of the troubles since. That is beyond the control of such companies. Sub-prime lending was the CAUSE of the crisis; it is not the actual crisis. And it is very hard to blame companies for failing due to that reason because our entire economy was based around the idea of available credit.

I am changing the name of the thread to make it less misleading. Kidrock, post serious topics with more care in future. A single line opener like that is not acceptable.

This bankruptcy deal, which has nothing to do with Government intervention, will allow the group to keep operating. As DJ said, this is essential as the group is a vital link in the issuing of small business loans, which are desperately needed at this point in tine.

Why did banks give out loans they knew wouldn't get paid back (subprime mortgages)?

Originally posted by KidRock
Why did banks give out loans they knew wouldn't get paid back (subprime mortgages)?

Because....

It showed debt traffic (great for securities and shareholders) and there was no indication (for them) that the housing market would bust and that the market would become saturated with sub-prime loans.

Originally posted by dadudemon
Because....

It showed debt traffic (great for securities and shareholders) and there was no indication (for them) that the housing market would bust and that the market would become saturated with sub-prime loans.

Banks didn't realize that giving out millions of dollars to people with bad credit and no ability to pay it back would be a bad idea?

Originally posted by KidRock
Banks didn't realize that giving out millions of dollars to people with bad credit and no ability to pay it back would be a bad idea?

That's not really all of it.

Really, it was giving out SHITTY loans to people that may or may not have been able to pay back the loan AFTER the SHITTY interest rates started to kick in. See, a normal person might have been able to had they spent all of their extra money on paying off other bills. Then, when the variable interest rate kicked in, they might have been able to keep up with the payments OR, they could have sold their home and moved to another place because their credit just improved from paying off other debts and then, they could get a better loan for a similar home.

I was considering getting one of this shitty subprime loans a few years ago. Since I was going to move 120 miles away, it would have just given me a really small house payment for 1-2 years and then I could have moved. The housing financial crisis hit a year after that. So, I may have gotten to pwn someone that got a shitty loan to move into my hold house. However, being a semi-religious man, I prayed about it and the Lord said not to and to pay off all my debts before getting a home.

Anywho, I explained what really happened with the loan B.S. a page or two back. IMO, it's tough to find all of that information in one article. I did a research paper on it in the spring semester, and it was hard to find all of that information in one place.

Well when you're treated as an omnipotent loan shark with religious fervor, isn't the whole idea of getting people into a debt they'll never be able to pay off so that you have a consistent revenue stream of interest and penalties and you can always sell your bad debt?

Originally posted by Darth Jello
Well when you're treated as an omnipotent loan shark with religious fervor, isn't the whole idea of getting people into a debt they'll never be able to pay off so that you have a consistent revenue stream of interest and penalties and you can always sell your bad debt?

Not when that "debt" burden is greater than the debtor can bare.

Well, that's when you ask mom and dad for an obligation free loan and legislation making it easier for yourself to declare bankruptcy and harder for everyone else. I chalk it up to selective readings of the constitution.