Source: Ritholtz Archive:

A very nice analysis from the New York Times – as usual. (via)

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A chart illustrating why home are still overvalued. image

Why housing prices (and the economy) are not going to recover any time soon. (via The Big Picture; earlier post)

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Interesting multi-part interactive analysis from Bloomberg about changing job-force dynamics. (via the Big Picture)

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Turns out we massively subsidize oil companies with huge tax breaks, despite their equally huge profits. (via the Big Picture)

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Roll-over the states for the rates. (via The Big Picture)

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(via)

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and while we’re at it:

http://www.ritholtz.com/blog/wp-content/uploads/2010/04/top-rate.jpg

Barry Ritholtz has pulled together a great collection of charts mapping out how we tend to view economic cycles. Check out his post for an interesting related discussion.

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Interactive from the WSJ showing how banks reduce short term borrowing each quarter before releasing info to the public. Related article. (via)

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Although this NY FED article is primarily focused on explaining Upstate NY’s immunity from the boom/bust cycle, it includes some interesting analysis of nation wide trends. (via The Big Picture).

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Borrowers who already have seen their ARMs reset might be sitting on their hands and not refinancing into fixed-rate products, McBride said. Because mortgage rates have been so low recently, resets can actually lower, not raise, monthly payments. When that happens, borrowers might feel little urge to refinance into a fixed-rate product that would cost more per month. Alternatively, ARM borrowers might simply struggle to qualify for a refinance because of low or negative equity.

The problem, McBride said, is that when interest rates increase – which many analysts expect to happen over the next year – borrowers’ monthly payments might increase beyond what is affordable for them. And at that point, the fixed-rate products will no longer be attractive, or even financially viable, options.

(via)

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