Tunnel Boring

The Friday File: The 35 mile Gotthard Base Tunnel in Switzerland will be the world’s longest rail tunnel when opened in 2016. Today, the world’s longest rail tunnel is the 33.5 mile Seikan Tunnel in Japan connecting the islands of Honshu and Hokkaido. The tunnel with the longest undersea portion is the Channel Tunnel at…

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Fed Funds

While the Fed’s balance sheet has mushroomed from $850 billion in 2008 to $3.3 trillion today as a result of three rounds of quantitative easing, the last of which is not yet done, these holdings bring in considerable amounts of interest. Because the Fed must return all residual earnings to the Treasury, in 2012 the…

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One Currency, No Leaders

The virtue of the gold standard was that countries with trade surpluses saw their gold holdings rise, which increased their money supply, raised prices and reduced exports. Conversely, countries that ran deficits lost gold, which caused their money supply to decline, pushing prices down and boosting exports. Today, euro-using Germany runs chronic surpluses, yet won’t…

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Gimme Credit

Consumer borrowing rose by $19.6 billion last month, substantially more than the $12.5 billion forecast by economists (big surprise there) and up from $10.9 billion in May. Non-revolving debt, which includes car loans, student loans and mobile homes loans increased by $13 billion – $9.2 billion excluding government guaranteed student loans. Credit card debt, which…

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Interesting Jobs

With 195,000 new jobs in June, the average monthly gain in the first half of 2013 is 202,000 – way up from the 130,000/month pace when QE3 began. Moreover, the unemployment rate remained unchanged, because 177,000 people joined the labor force! Unfortunately, 112,000 of the new jobs were either in leisure and hospitality or retail…

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Worth Less Used Cars

The Friday File: Wonder why driving a new car off the lot reduces its value by 25% or more? One reason has to do with the retail showroom price versus the resale/used price. The other has to do with car quality. Why return a new car unless it’s a lemon or suffered non-visible damage? Thus,…

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Freedom is Expensive

The Revolutionary War, fought between 1775 and 1783 cost $101 million then or about $2.4 billion today. That number includes only the cost of military operations. If you include interest on borrowed money and veterans’ benefits, costs are higher. The number of Revolutionary War dead totaled 4,435 out of a population of 2.75 million. Proportionally,…

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Week of June 24th

Despite a huge downward revision of Q1 GDP growth from 2.4% to 1.8%, data for Q2 look decent. Durable goods orders look OK, home sales are good and despite sequestration and the payroll tax increase, consumer spending is holding up surprisingly well and savings rates actually edged up to 3.2% in May from 2.8% in…

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Morsi or Less

By giving the Muslim Brotherhood Government of President Muhammad Morsi a 48 hour deadline to compromise with the opposition or else face an Army-imposed solution, the Army is forcing Morsi out. As a result, the opposition now has no incentive to compromise. The only choices remaining for the Morsi government: resign, set a date for…

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What’s Your Name?

The Friday File: In 2012, the three most popular girls’ names in descending order were Sophia, Emma and Isabella. For boys, it was Jacob, Mason and Ethan. In 2012, the girl’s name most rapidly rising in popularity was Arya; for boys it was Major. Since 1913, the most popular girls’ names have been Mary, used…

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