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Video Rating: 5 / 5

Jon shares some financial advice as to why credit cards are entirely better than their debit counterparts for four main reasons: 1) Credit is safer; 2) They build your credit history; 3) They’re required for special purchases like car rentals, and 4) they earn you points and cash-back rewards. Obviously, this entire argument is based on the assumption that your spending habits are equal with both: and you never spend more than you have available in your checking account. This discussion is mainly directed to Americans, aged 18 or older, where this advice applies most directly/accurately. CBS Money Watch Article — cbsn.ws 10 Ways To Build Credit — bit.ly Which Card To Get? — www.creditcards.com ~~ The World According To Jon ~~ Be informed and entertained as your host Jon showcases a recent event, story, or review and shares his opinionated and enlightened view of the world with you, by way of an unfiltered, and often brutally honest stream-of-consciousness. New videos uploaded every few days at 4pm Eastern. Born in February 1986, Jonathan Paula is a professional YouTuber and creator of the hit web series, “Is It A Good Idea To Microwave This?”. In April 2006 he founded Jogwheel Productions, a new media production company that specializes in web video. Jon graduated from Emerson College in 2008 with a degree in Television Production / Radio Broadcasting. He currently lives in Rockingham, NH with his wife Rebecca. ~~ Links ~~ Main Channel —– bit.ly Twitter …

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Dow Drops 500 Points


Image by YoTuT
AIG Tumbles 61%, Pushing
Dow to a 500-Point Decline

September 15, 2008 6:13 p.m.

The stock market suffered its worst daily plunge in nearly seven years Monday as the bankruptcy of Lehman Brothers Holdings threw the U.S. financial system into an abyss, uncertain where the bottom of its credit-related problems lies.

Lehman’s demise makes it the biggest casualty yet in the long-running credit crisis, which has so far seen torrents of red ink, restructurings and acquisitions, and shutterings of a few commercial banks. But until Sunday night, no Wall Street firm of such size and stature had suffered an all-out meltdown.

The Dow Jones Industrial Average, which languished with a loss between 200 and 300 points for most of the day, saw its losses accelerate in the last hour of trading to suffer its worst daily point drop since trading resumed after the 9/11 terror attacks. The Dow ended down by 504.48 points on Monday, off 4.4%, at its daily low of 10917.51, down 18% on the year.

All 30 of the Dow’s components fell, save for Coca-Cola, which rose 0.5%.

American International Group plunged 60.8%. The Federal Reserve Monday asked Goldman Sachs Group and J.P. Morgan Chase to help make – billion in loans available to the company, according to people familiar with the situation. The insurer has been racing to restructure its business and raise fresh capital to avoid a downgrade of its credit ratings.

The number of big players on Wall Street is dwindling, but traders said it remains to be seen where and for how much longer the ill effects of soured credit bets will continue to surface. A series of events through the end of the week, including a Fed meeting Tuesday and stock-options expiration Friday, could shed more light on the state of the financial system and send investors on another dizzying ride.

"It’s a dicey situation right now," said Bill King, chief market strategist at M. Ramsey King Securities in Burr Ridge, Ill. "You have a lot of guys right now who don’t know who to trade with because of counter-party issues," especially in the credit markets, where traders said it remained difficult to find buyers for certain securities despite the last 24 hours’ realignment on Wall Street.

Bank of America was another big decliner among Dow stocks, off 21.3%. The company had been a suitor for Lehman but pulled out of talks as it became apparent in recent days that the Fed would not guarantee the financing of an acquisition as it did in J.P. Morgan Chase’s purchase of Bear Stearns in March. Instead, Bank of America quickly moved to buy Merrill Lynch on Monday. Merrill shares ended little changed.

Two remaining big investment banks — Goldman and Morgan Stanley — saw their shares fall. Goldman was off 12.1%, while Morgan Stanley fell 13.5%. Both firms are due to report their fiscal third-quarter results in the next few days and are expected to try to make the case that they’re very different from Lehman and Merrill. Analysts are expecting each to stay in the black but are bracing for write-downs of billion to billion each at Goldman and Morgan Stanley.

Financial stocks in the S&P 500 fell 9% as a group. The sector has shed .27 trillion in market value since October 2007. Financials now comprise 14.4% of the S&P 500, down from 22% at the end of 2006.

"Too much leverage is the alpha and omega of this story," said Doug Kass, president of the hedge fund Seabreeze Partners Management in Palm Beach, Fla., referring to financial firms’ use of borrowed money to make bets on securities tied to risky mortgages. In a note to clients Monday, he criticized some banks’ use of 30 dollars in leverage for each dollar of collateral in recent years – a practice that effectively amplified losses once prices of homes and the credit bets themselves began to fall.

In an interview, Mr. Kass added: "We’re moving into the timeframe in which it makes sense to look for well-valued (financial) stocks. But investors should still take a conservative approach," including relatively small-sized bets on a recovery after more than a year of rocky credit trading and plummeting share prices in the financial sector.

In particular, the last few days’ events have underscored the challenges facing the Fed, the Treasury Department, and other federal regulators, who are trying to strike a delicate balance between establishing a sturdy framework for the financial system while at the same time allowing markets to reward smart decisions and punish bad ones. By taking the rescue option off the table for Lehman, the U.S. government effectively declared that there are limits to its role as backstop-in-chief — a concept that could have implications for other troubled firms in the months ahead.

Just last week, the government seized mortgage giants Fannie Mae and Freddie Mac, and months prior it brokered the sale of Bear Stearns to J.P. Morgan. But now, Washington appears to want Wall Street to largely fix its own problems.

"We’ve re-established ‘moral hazard,’" a person involved in the Lehman talks told the Journal, referring to the notion that the government should eschew bailouts, since financial firms might take more risks if they’re insulated from the consequences. "Is that a good thing or a bad thing? We’re about to find out."

Other financial bellwethers suffered Monday. Wachovia plummeted 25% as analysts raised questions about the potential need for Wachovia to raise new capital to absorb future losses. Mike Mayo of Deutsche Bank downgraded the stock to "Hold" from "Buy," concerned about Wachovia’s large portfolio of risky bets on adjustable-rate mortgages, which he called a wild card in analyzing the company.

"Our view has been that Wachovia does not need more capital," he said in a research note, since he thinks loan losses over the next few years will be less than expected. However, given increased concerns about economic growth and intense stress in financial markets, "this margin of safety has been reduced."

Troubled Washington Mutual tumbled 26.7% as investors feared it wouldn’t be able to find a buyer to shore up its books.

After the close, S&P Ratings Services lowered its credit ratings on Washington Mutual to junk. "Increasing market turmoil and the related impact from managing its concentrated mortgage franchise in this troubled housing and credit cycle led to the downgrade of WAMU," said S&P credit analyst Victoria Wagner. "The company’s weak equity pricing in the markets is also a concern, and it increasingly appears that market conditions could overtake credit fundamentals and leave the company with greatly diminished financial flexibility."

Other stock yardsticks suffered Monday. The Nasdaq Composite Index was off 4.7% to 2179.91, near a 6-month low and down 18% on the year. The small-stock Russell 2000 fell 4.2% to 689.76, down 19% on the year. The S&P 500 was off 4.7% to 1192.96, down 19% on the year. All the broad measure’s sectors fell.

Among names listed on the New York Stock Exchange, about 8.1 billion shares changed hands, a new record. Decliners outnumbered advancers nearly 19 to one on the exchange.

Credit markets showed few signs of relief. The Fed-funds rate traded as high as 6.5% Monday, well above the central bank’s 2% target as demand for cash far outstripped supply. The shortage forced the Fed to inject a massive billion cash via its daily repurchase-agreement operation, which helped bring down the rate to 3.5%.

Traders said that various Wall Street firms offered a staggering 3 billion in mortgage-backed paper to use as collateral for repo agreements, but the Fed only accepted about billion of it — a sign that much of that debt remains too toxic for the Fed to assume on its books.

In the meantime, the three-month Libor/OIS spread, a gauge of stress in the money markets, widened to around 104.6 basis points from around 84.5 basis points Friday. Monday’s reading was its widest since December when the gap increased to above 110 basis points, a record.

"These markets just continue to be broken," said Don Wilson, head of DRW Trading, a proprietary firm active in Chicago’s interest-rate pits.

Treasury prices surged, pushing interest rates lower as investors sought safe havens. The two-year note was recently up 23/32, yielding 1.844%. The benchmark 10-year note was up 1-18/32, yielding 3.527%. The 30-year bond jumped 2-3/32 to yield 4.193%.

Crude-oil futures settled down .47 at .71 on the New York Mercantile Exchange on Monday on fears that the financial crisis could further slow the wider economy and fuel demand. It was oil’s first finish below 0 since early March.

The dollar dropped against the Japanese currency, changing hands recently at 105.47 yen, down from 107.87 yen late Friday. But the dollar managed to post gains against the euro and British pound.

Write to Peter A. McKay at peter.mckay@wsj.com

Thanksgiving and Getting


Image by wgbhmorningstories
Julie Nardone sees the light on Thanksgiving.

Listen to the Morning Stories podcast called Thanksgiving and Getting.

The WGBH Morning Stories website is wgbh.org/morningstories.

TRANSCRIPT : THE "THANKSGIVING AND GETTING" PODCAST

Tony Kahn:
Hi everybody! This is Tony Kahn, the producer and director of
Morning Stories from WGBH in Boston. A phrase has been
dropping out of the English language. That phrase is: "Your
Welcome." In stores, businesses, information kiosks,
supermarkets, all over America, wherever people meet to do
each other a favor or transact business, the general standard
response to "thank you" is … Gary?

Gary Mott:
No. Thank YOU.

Tony Kahn:
Some people say that this is one thank you too many. What
does the giver of a kindness have to thank the getter for? Julie
Nardone has been mulling over that question and she tells us
what she’s been learning about gratitude from her own life. We
call her story: "Thanksgiving and Getting."

Julie Nardone:
I grew up in a wealthy town. The kind that gets an almost
embarrassing response when you mention it. My father’s
business did well and I reaped the benefits. Showed my horse
on weekends, played junior golf at a private country club,
attended overnight camping summer, graduated from college
without student loans, and always thought I needed more.

[background voices saying: "Good afternoon, how are you?"]

Julie Nardone:
One day while inching along in line at the sandwich shop,…

[background voice: "cash or credit?" ..."whatever".]

Julie Nardone:
Bonnie, a colleague, leaned over to me and said, "Do you know
you never say thank you’?"

[background voice: "Have a great day"]

Julie Nardone:
"I do too," I said. Then reconsidered, "Really?"

"It’s kinda rude," she said.

[music... and voices saying...thank you, thank You, thank you!]

Julie Nardone:
In the years that followed, I struggled with my "thank yous."
Most of the time, if I listened, I could feel them falling a little flat.

[background voice; "Thanks". "Oh, thank you so much"!]

Julie Nardone:
And genuine opportunities weren’t all that easy to find.

[Horn blowing and driver yelling: "What are you waiting for?
Your favorite color?"]
[sounds of rush hour traffic]

Julie Nardone:
"Thanks a lot, buddy!" [traffic sounds]

Until one day at a talk on gratitude, I learned I might be looking
in the wrong place. "Being grateful for what you have," the
speaker said, "makes you have more to be grateful for! Start a
daily gratitude journal and you’ll see what I mean."

Intrigued, I started to write.

January 5th: I’m thankful the dentist could save my tooth!
March 19th: I’m…thankful…my grandfather had the courage to
immigrate from Italy in 1911!
April 30th: I’m thankful I do not know why I exist. It would
spoil the adventure.
June 16th: I’m thankful the town I live in saved its historic town
hall from the wrecking ball. The lingering scent of yesterday
cannot be replaced.
September 21st: I’m thankful I went on that blind date fourteen
years ago. My husband is the best friend I’ve ever had.
October 18th: I’m thankful I made time to see Uncle Vic before
he died. People facing death do not have time for pretense.
November 12th: I’m thankful for Bonnie and the time she told
me, I was not thankful.

And one last thank you, not in my journal, but in a letter, to the
one person in my life who already had everything you could buy.

Thanksgiving 2007: "Dear Dad, just wanted to thank you for
everything you’ve ever done for me. For your love and support,
for being a great Dad.
To my surprise, here’s what I got back:
"Dear Julie, For one of the best gifts I’ve ever received. [music]
Thank you."

[music]

Tony Kahn:
Today’s morning story: "Thanksgiving and Getting." A great
thing happened to me the other day as I was coming into GBH,
one of our colleagues was getting out of her car at the same time
I was getting out of my car. She said, "How are you"? And I
said, "Well, I’m one cup of coffee short of being conscious." She
said, "Uoo, my coffee! I forgot"!

So, she ran back to her car and got her coffee cup. And we keep
on walking to the door and we get to the door and I take out my
magnetized pass card to let us in and it’s not working. I’d been
away and I guess I had handed into the hotel my GBH pass card
and had kept the hotel room pass card instead. [laughter] And
she lets me in with her pass card. If we hadn’t stopped and said
hi to each other, we both would’ve been in trouble.

Gary Mott:
Yeah, well ’tis the season, Tony, I mean…

Tony Kahn:
I remember more of my Thanksgiving’s than I do maybe more of
my Christmases or Hanukkahs or New Years because you’re
celebrating being together. Sometimes [laughing] not
necessarily in a nice way.

Gary Mott:
Turkey is a powerful [laughter] you know, narcotic and that can
really bring it out of all of us and, you know, getting family that’s
far removed from one another together, is always an emotionally
charged situation. I guess the best advice is chill out.

Tony Kahn:
Do not knock each other over the head with the turkey.
[snickers]

Gary Mott:
But what an opportunity to make it better…

Tony Kahn:
There’s always football.

Gary Mott:
There’s always…

Tony Kahn:
That’s another part of Thanksgiving for those who may not
celebrate it…yes, watching football on television.

Gary Mott:
American football, for all our friends in Brazil. [laughter] Lori
and I are hosting this year.

Tony Kahn:
Yes, how many people are you gonna have?

Gary Mott:
Twelve people.

Tony Kahn:
Family and friends?

Gary Mott:
Just kind of a healthy stew of whatever: family, friends…

Tony Kahn:
Uh huh.

Gary Mott:
…dogs, a couple from Kentucky, my brother and his girlfriend,
artists from New York…

Tony Kahn:
Mm, hmm…

Gary Mott:
…you know possibly a friend of ours from Boston who is dating
someone named Echinae …

Tony Kahn:
Echinae?

Gary Mott:
…Uh, who’s Nigerian,…

Tony Kahn:
Uh,huh.

Gary Mott:
… and he actually, Tony, he works in the building right across
the street, [chuckling]

Tony Kahn:
And that’s three miles away!

[laughter]

Tony Kahn:
That’s another thing about Thanksgiving. If people who
otherwise might not meet, are gonna end up at the same table,
it’s likely to be a Thanksgiving table. Anyway, listen: we’d love
to hear from you on any subject. In fact, we’ve been hearing
from you lately about some of the videos that we’ve been putting
up on our website. You’ve written to tell us that you appreciate
the fact that there’s another layer that we can add to a story and
you’ve both enjoyed listening to the stories and if we have a
video version, seeing that as well so, we’ll take that as
permission to keep on doing them, and if I’ve read you wrong, let
us know.

Gary Mott:
Morning Stories on the web, Morning Stories on Flickr, on
Youtube, you can all get there by our website at
WGBH.org/morningstories.

Tony Kahn:
Well, Gary, have a wonderful Thanksgiving and thanks for
everything you’ve done for the last three years to make my life
so easy and this show so good. I appreciate it.

Gary Mott:
Your welcome. [Ah, ha-ha!]

[music]

Tony Kahn:
You know my, my Thanksgiving this year is gonna be a little bit
unusual. The person giving it is getting divorced.

Gary Mott:
Hmm.

Tony Kahn:
Her husband’s decision. Just two weeks or so ago. And yet,
both of them felt that in spite of their own problems with each
other, that they shouldn’t deny each other Thanksgiving. And he
said to her, "Please have Thanksgiving for your friends and family
and I’ll have Thanksgiving with my children from another
marriage." So we’re gonna go and have Thanksgiving and it will
be the last Thanksgiving that she will be giving in this place
that’s been her home. It’s going to be a very,…very meaningful
one.

Gary Mott:
Hmm, well ya know…

Tony Kahn:
I’ll let ya know about it when I, when I get back.

Gary Mott:
Ya know, there might be a lot of laughter and a lot of levity, I
mean…

Tony Kahn:
Hey, I’m all for that.

Gary Mott:
Yeah, always leave ‘em laughing, right? Isn’t that the Kahn
mantra?

Tony Kahn:
Yeah, yeah.

[music]

Transcribed by: Lynn Relyea
lmrelyea@yahoo.com

End of recording