Sunday, 8 September 2019

Special Update 8/09/2019 E-Dollars. Funny Money. Get Gold.


Baltic Dry Index. 2462 -37   Brent Crude 61.54  Spot Gold 1506

Never ending Brexit now October 31, maybe. 53 days away.
Trump’s Nuclear China Tariffs Now In Effect.
USA v EU trade war postponed to November, maybe.

“Lenin is said to have declared that the best way to destroy the Capitalist System was to debauch the currency. By a continuing process of inflation, governments can confiscate, secretly and unobserved, an important part of the wealth of their citizens. By this method they not only confiscate, but they confiscate arbitrarily; and, while the process impoverishes many, it actually enriches some.”

John Maynard Keynes, The Economic Consequences of the Peace

With the next global recession all but here, get ready for more funny money. Digital dollars or e-dollars. Virtual dollars that in good times pay a slight interest rate to holders, and in bad times charge a negative interest rate. I think you can guess what’s coming next – negative interest rates.

At least that’s the plan of Michael Bordo, an economist at Rutgers University and a fellow at the Hoover Institution, the public-policy think tank at Stanford University according to MarketWatch.

After 58 years of the Great Nixonian Error of fiat money, communist money, the whole financial system is essentially broken, we have the greatest wealth disparity since the 1930s, polarised politics, and central banksters out of ammo and ideas.

Over a decade of zero interest rates, quantitative easing, stock market bailouts, bond market rigging, and the longest but weakest rigged recovery in history, the Great Nixonian Error is nearing it’s end as other digital currencies get proposed, Facebook’s Libra and China’s proposed equivalent.  We are about to enter the age of private and public funny money.

To which this old dinosaur market watcher can only say, get gold (and silver) for that same rainy day revulsion  sets in on the fiat currencies.

Why the coming recession could force the Federal Reserve to swap greenbacks for digital dollars

Published: Sept 7, 2019 5:20 p.m. ET
The Federal Reserve has never been more famous than it is today. It drew praise, and ire, for its handling of the financial crisis a decade ago, and the extraordinary measures it took subsequently to stimulate the U.S. economy have made it an important driver of financial markets. Meanwhile, 
President Trump has made its chairman, Jerome Powell, a household name by frequently criticizing the central bank’s policies on Twitter and to the press.

A movement, meanwhile, has been brewing among economists, financial-services professionals and central bankers to encourage a rethinking of the technology of currency — those paper notes we carry in our wallets — with an eye toward issuing a digital currency. Some argue that could give central banks the tools necessary to break free of chronic disinflation and persistently low or negative interest rates, while providing Americans a risk-free means to transact in a world where digital commerce constitutes a growing share of the economy.

“The debate isn’t about whether we need [a digital currency],” Michael Bordo, an economist at Rutgers University and a fellow at the Hoover Institution, the public-policy think tank at Stanford University, told MarketWatch. “It’s about how you do it.”

Americans already use digital currency for most of their purchases. In 2018, they used physical dollars for just 26% of transactions, versus 62% with digital currency, which includes credit cards, debit cards and bank transfers, according to the Fed.

A central-bank digital currency could work much like the mostly bank-issued digital money Americans use today, with some key differences. First, it would be backed by the full faith and credit of the United States government and, therefore, risk-free. The local bank that manages your savings account could fail at any time and the dollars in your account (beyond those insured by the FDIC) would disappear. A Fed “e-dollar” would persist as long as the U.S. government does.

More important, an e-dollar could pay interest. The idea that cash should pay interest dates back to monetary economist Milton Friedman, who argued in 1969 that the most efficient monetary system would be one in which cash bears interest equal to that of short-term government bonds, to encourage greater use of the dollar.

In good times, earning interest on your e-dollars would simply make everyone a little richer, but in times of crisis it could also be used to institute negative interest rates, essentially a tax on holding cash. Such a policy would likely strike Americans as governmental overreach, but, Bordo argued, the alternative is worse.

Central bank ammunition

The current economic expansion is the longest in U.S. history, but warning signs of a recession abound, including slowing economic growth and the recent inversion of the yield curve for U.S. government debt. In response, the Fed reduced interest rates in July and hinted at more cuts to come. 
But economists worry that the Fed will not have enough ammunition to fight the next downturn, as the central bank has typically had to cut rates by at least five percentage points to stimulate the economy following a recession.

The Fed may be forced to restart its program of “quantitative easing,” or the purchase of long-term government debt to push down long-term interest rates, though there is growing concern that this is an ineffective tool. Take a look at Japan, which has been mired in a decades-long economic malaise. 
Interest rates have been stuck near zero for almost 20 years. Despite a massive program of government bond buying that has led to the Bank of Japan’s owning more than 40% of all Japanese government debt, it has still suffered four recessions over the past 20 years.

The eurozone hasn’t fared much better despite imposing negative interest rates on large banks, as it’s suffered two recessions since the financial crisis.

Bordo said the problem with negative rates in Europe and Japan is that, without a central-bank digital currency held by the public at large, those rates can only be imposed on banks, which hurts banks’ ability to lend and does little to encourage the magnitude of spending needed to jolt economies back to normal levels of growth.
More

China says new digital currency will be similar to Facebook's Libra

September 6, 2019 / 7:43 AM
SHANGHAI (Reuters) - China’s proposed new digital currency would bear some similarities to Facebook’s Libra coin and would be able to be used across major payment platforms such as WeChat and Alipay, a senior central bank officer said.

Mu Changchun, deputy director of the People’s Bank of China’s payments department, said the development of the coin would help protect country’s foreign exchange sovereignty as commercial applications of such currencies expanded. 

“Why is the central bank still doing such a digital currency today when electronic payment methods are so developed?” said Mu, according to a transcript of a lecture he gave this week that was published online.

“It is to protect our monetary sovereignty and legal currency status. We need to plan ahead for a rainy day.”

He said the tokens would be as safe as central bank-issued paper notes and could be used even without an internet connection. They could also be used on Tencent’s (0700.HK) WeChat and Alibaba-backed (BABA.N) Alipay.

The state-run newspaper Shanghai Securities News reported his comments on Friday.
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If economists could manage to get themselves thought of as humble, competent people on a level with dentists, that would be splendid.

John Maynard Keynes

The monthly Coppock Indicators finished August

DJIA: 26,403 +52 Down. NASDAQ: 7,963 +59 Down. SP500: 2,926 +53 unchanged.

An inconclusive month, but all three shows signs of weakening. 

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