Financial Illiteracy in Washington

Last week I somewhat unfairly mocked two blogs for demonstrating a lack of understanding of what I consider basic financial principles. I say unfairly because, although I believe everybody should know this stuff, I would be the first to point out that tragically few do.

I am reminded of this because essentially the same point of confusion about interest rates and paying back loans that tripped up the bloggers appears to be confusing the Obama administration.

It seems that Goldman Sachs, the tiresomely successful former investment bank, wants to pay back the $10 billion in TARP money it got from the government last year. This isn’t a vague aspiration. Goldman has the money and is politely asking to whom the check should be made out.

You might think that the administration would be very happy about this. They could use it as evidence that things were looking up, or that the banks were not as bad off as previously thought, or even that the mountain of taxpayer money poured into the TARP might actually be repaid someday. Instead, they are confused and annoyed by Goldman’s actions. They even hinted that they might not accept the money. (Yes, that’s right, Goldman actually needs special permission to pay the taxpayers back.)

Goldman never really wanted the money to begin with. They took it because the Treasury asked them to, on the theory that if all the major firms took some, even the fairly healthy ones, then shaky firms wouldn’t be shy about asking for the help they need. Sorta like how you take a little Children’s Tylenol to convince your three-year-old to take some too.

You can see Goldman’s participating in the TARP as a noble act, or merely the result of recognizing that doing the Treasury a favor is good for business. Either way, Goldman signed up before the Great Bonus Hysteria prompted Congress to threaten all sorts of punishments for financial success while holding TARP money. Owing $10 billion on stiff terms is one thing, but living under the threat that the government may at any time, for example, interfere with how much you pay your people is another. Goldman paid 963 employees more than a million dollars last year.

So it’s easily understandable why Goldman wants out. Why isn’t the administration keen to let them out? Basically, they worry that if Goldman pays back the money then everybody will want to pay back the money. And that, believe it or not, the administration considers to be a bad thing. Because, and here is where they remind me of the unfortunate bloggers, they would prefer banks to lend any spare money out to customers rather than pay the government back. You’d have to be pretty financially illiterate to think that makes sense.

TARP money is expensive. The headline interest rate is only 5%, rising to 9% after five years, but it comes with a laundry list of other benefits for the government and restrictions on what the bank can do, such as warrants on the bank’s stock and limits on the dividends the bank can pay to other shareholders. And Congress has demonstrated a willingness to add new restrictions retroactively. How much this other stuff costs is hard to measure, but the fact that Goldman is apparently much less interested in paying off its debt to Warren Buffet, which carries a 10% interest rate, tells us that an all-in 10% cost estimate is not implausible.

An individual who owes money on a 10% car loan would be hard pressed to find an investment more attractive than paying down the car loan. Not only is it the equivalent of an investment with a 10% return, it is a risk-free 10% return.

Similarly, it is very hard to imagine any bank having a potential loan or any other investment that is more attractive than paying off the TARP. And it doesn’t take the superior acumen of Goldman to work this out. Given the current political and economic climate, paying back TARP money is clearly the first order of business for every bank as solvency improves. Isn’t that obvious? I guess not.

Government | Frank Curmudgeon | April 16, 2009 3:53 pm

932 Comments

By My Journey, April 16, 2009 @ 4:55 pm

This situation scares the “F” out of me! So the government more or less takes over our transportation and banking industries.

Then applies previously unmentioned control (keeping with the theme – Telling GM today to drop the GMC Brand and the point of your post).

Then when the company says, “I am all-good please give me back control of my company so I can run it better than you (unlike Social Security and Medicaid)” they get rebuffed with “No.”

I feel like a huge tool, but I feel the need to quote Star Wars,
“So this is how democracy dies, with thunderous applause”
By Frank Curmudgeon, April 16, 2009 @ 5:07 pm

My Journey: You are a huge tool. The line is “So this is how liberty dies, with thunderous applause.”
By My Journey, April 16, 2009 @ 6:58 pm

Damn it! You are right and that sucks I can’t even be a good tool
By Rob Bennett, April 16, 2009 @ 7:17 pm

A crisis can lead to some very bad things.

It can also lead to some very good things.

It’s essentially a gut check. It’s a test of what we are inside.

It’s scary. I don’t deny that. I am resistant to the idea of getting too caught up in gloom and doom, however.

We might not make it to the other side. Or we might face up to things that we haven’t wanted to face up to that take us to exciting new places.

I feel as if time is being speeded up. Questions that we could put to the side before are demanding attention.

Rob
By SJ, April 16, 2009 @ 7:41 pm

Yay the end of the world…

Tho I thought one reason the govt wants to rebuff goldman’s return is to prevent uncertainty in the financial sector “Oh no’s my firm still needs it!”

I do like how goldman was somewhat forced to take the loan. And now has no say in being able to return it.

Regardless, end of capitalism! yayyyy… What a brave new world…
By CWulf, April 17, 2009 @ 12:47 pm

Goldman’s trading and underwriting behavior for the past decade has been sociopathic. They act like they are the government’s lapdog while they rape and pillage markets with abandon. Goldman and their cronies act like paying back the $10 billion will free them from government bondage. They forget about the $28 billion in FDIC loan guarantees and $13 billion siphoned from the government through AIG’s bailout. Goldman profitted from the collapse of AIG all the while they sued for its rescue controlled by alumni financial engineers. Without the Federal largesse, Goldman would not have been able to trade their way to profitability in its last quarter (which comfortably omitted December’s loss) which allowed them the momentum to float their new $5 billion capital raise. Goldman doesn’t owe $10 billion at 10%, they owe ten times this to the American public and at least a few of their alumni should be held criminally liable for Wall Street’s meltdown.
Financial illiteracy is being blinded by the shine on the gold and believing in the goodness of those that hold it.
By RT, April 17, 2009 @ 2:39 pm

Frank,

It’s true that Obama’s administration could claim Goldman’s payback as a sign of things looking up, but unfortunately, like you said, even while Goldman was taking the TARP funds they were shouting from the rooftops that they didn’t actually need those funds and were just playing along with their law-making pals.

So it’s not as if the US Treasury or the administration don’t necessarily know that it is in Goldman’s best interest to pay off this loan. The thing is the government is not worried about Goldman’s bottom line. Each law or policy maker is in it to keep his/her own job by decrying Wall Street and making sure the voters know that they’re doing all they can to reign in the “greedy investment bankers.” And as long as the banks still have TARP money, it’s easy to remind taxpayers of this. I’m, of course, assuming they believe that this loan will not decimate Goldman’s business, which it probably will not.

As such, the politicians are still more worried about playing politics than fixing the actual problems. The more things change, the more they stay the same.
By Frank Curmudgeon, April 17, 2009 @ 3:49 pm

CWulf: The $28 billion in FDIC guarantees are not money changing hands, only insurance coverage, for which Goldman pays a premium and is enititled to take advantage of now that it is a commercial bank. The AIG story is increasingly looking like an urban legend. Goldman has said that its net exposure to AIG was “rounding error” not $13 billion. I don’t know that anybody profitted from AIG’s collapse, although lots of folks, particularly European banks, profitted from taking the other side of AIG’s foolish CDS trades on mortgages.

If you believe that without Federal largess the financial system would have collapsed, and Goldman with it, then yes, I can see how Goldman is beholden to the government for its recent successes.

They raised $5 billion by selling equity because that was a requirement of the TARP program in order to pay back the money.

Which alumni (Paulson? Rubin? Corzine? Cramer?) should be held criminally liable and what crimes did they commit to cause the meltdown?
By CWulf, April 17, 2009 @ 4:22 pm

Yes
By Spliffe, April 22, 2009 @ 1:04 pm

This post isn’t arguing that the Obama administration is confused or financially illiterate, it’s arguing they’re doing things you have an ideological objection to. If you must name-call, why not choose the right names?
By Frank Curmudgeon, April 23, 2009 @ 4:56 pm

I have to choose between doing things I object to and being financially illiterate? Can’t I have both? It’s my blog.

I really do believe that the adminstration was caught off guard by Goldman (and a few others) sincerely and urgently wanting to pay the money back. With all the hysteria (partly whipped up by the administration) about what a sweet deal these bankers were getting, I think it never occurred to them that the terms were so onerous that any rational banker would want out if they could.
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Do you’ve got any magical powers?
By パスナビ偏差値一覧, December 26, 2024 @ 2:18 pm

Once doctors decide epilepsy, is there something that can be achieved?
By アスモデウス悪魔, December 26, 2024 @ 4:06 pm

Solely about 25,000 had been returned to their households after the war.
By 研究開発投資, December 26, 2024 @ 4:32 pm

The cocoons of the Atlas moth caterpillar are composed of broken strands of light brown fagara silk, a durable silk spun by the caterpillar because it prepares to pupate.
By BerylZazueta54@yahoo.com, December 26, 2024 @ 4:59 pm

It serves as a reminder to belief in the universe and have faith in yourself.
By Groovyの株価は, December 26, 2024 @ 5:31 pm

The neatest thing about them ‘ you may even put on them after work and still be sensible yet trendy.
By 月がつく苗字, December 26, 2024 @ 5:37 pm

You can buy a contract (usually 100 shares of stock and 1000 shares for many ETFs) by putting down only 20 margin.
By ゆうちょ銀行以外の金融機関は, December 26, 2024 @ 5:48 pm

There are not any amenities on the seaside for vacationers.
By トルコ地震死者, December 26, 2024 @ 6:27 pm

X rays are one of most important instruments for hunting bag, people and packages to make sure safety.
By 大和駅横浜, December 26, 2024 @ 6:40 pm

I can be raising a family.
By ひふみプラス今後の見通し, December 26, 2024 @ 6:48 pm

Some Magna Doodles additionally come with “shape stampers,” which are simply magnets in shapes like diamonds, triangles and circles.
By 株式会社アクシス株価, December 26, 2024 @ 6:53 pm

Don’t get slowed down in particulars and formalities; the point of the tradition is for the household to take pleasure in one another’s firm, not feel trapped by or pressure to hold on to those that simply do not work anymore.
By 自戒とは, December 26, 2024 @ 6:58 pm

Pets and homeowners dress in their favourite workforce’s colors and take part in games and canine good citizen testing.
By そっと例文, December 26, 2024 @ 7:11 pm

Brazil is the fifth largest country in the world with a inhabitants of 208 million people; 12 million individuals reside in Sao Paolo and another 6 million stay in Rio De Janeiro, making them two of probably the most populous cities on Earth.
By 投資信託 5g, December 26, 2024 @ 7:37 pm

A number of transplanted bacteria might confound future searches for all times or, worse, kill any indigenous organisms.
By 大平台あすか, December 26, 2024 @ 7:53 pm

Thankfully, the nuclear stand-off was de-escalated and we didn鈥檛 blow the planet to smithereens, but things might have been much worse if the People by no means found these weapons – and the only cause they did was due to the work of Oleg Penkovsky.
By 美しい別れの言葉英語, December 26, 2024 @ 8:38 pm

He is more of a workforce participant.
By 高校音楽授業ない, December 26, 2024 @ 9:22 pm

Stretch arm out with palm down.
By 自動車保険等級制度改定, December 26, 2024 @ 10:34 pm

Neither the Sensex nor the Nifty have registered any special highs for the investors to get any fresh impetus to pump in more money.
By 米国株配当金税金特定口座, December 26, 2024 @ 11:22 pm

Flown by greater than 15 countries, the final Dynamics F-sixteen Preventing Falcon continues to be one among the most popular sellers within the export market, nonetheless profitable competitions in opposition to the latest planes from the factories of Europe.
By 入ってはいけない保険, December 27, 2024 @ 2:32 am

Like hawks, falcons can reside nearly anyplace.
By 保険会社事務, December 27, 2024 @ 3:22 pm

Frequent carp are an invasive species in Canada, though they’ve been swimming in Canadian waters for over a century (different types of invasive carp have been in the nation for a much shorter period of time).
By バイク服装春, December 27, 2024 @ 4:50 pm

What is the name of Leonardo DiCaprio’s production firm?
By 40 ドル日本円, December 27, 2024 @ 6:08 pm

Because of the vast and excessive of dimension of China, there is a excessive risk for backpackers to maintain coming again which means it would take a really long time to explore all that China has to offer in complete.
By マレーシアの1ドルは何円ですか, December 27, 2024 @ 6:21 pm

You may take a walk from here to the Stackpole Nature Reserve and, in case you are lucky, you might even see an otter or two.
By 法事滞りなく, December 27, 2024 @ 6:43 pm

The Nationwide Freeway Site visitors and Security Administration requirements say that autos should have driver controls, until the manufacturer can show the automobile is as safe as a regular one.
By アサヒビール配当確定日, December 27, 2024 @ 7:34 pm

When the Wheel of Fortune tarot card seems within the reversed place, it nonetheless offers opportunities for progress and a chance to take control of your future.
By 出資配当金確定申告いくらから, December 27, 2024 @ 7:48 pm

There, in the 17th-century, fisherman who struck out at sea would carve potatoes into fish shapes and fry them up for a stand-in supper.
By シーン追跡佐川, December 27, 2024 @ 11:14 pm

The sequence showcased marital tensions that eventually led to divorce.
By 福岡 6 月, December 27, 2024 @ 11:39 pm

They had been able to witness the calving of the glacier after over an hour of waiting.
By 福島市気温現在, December 28, 2024 @ 12:13 am

Any such power system extracts the solar energy that plants and microorganisms use for food.
By ベストヒットアルバム, December 28, 2024 @ 12:19 am

Construct a home for snails so that you could observe how they live.
By 住宅ローン一括返済デメリット, December 28, 2024 @ 12:37 am

Actually, both are true.
By 玉書き順, December 28, 2024 @ 1:19 am

That top-risk interval is also when daylight saving time ends – it occurs on Nov.
By ディズニー 3月, December 28, 2024 @ 2:35 am

Snowmobiling is great enjoyable indeed and after getting tried it you will in all probability think about moving to stay somewhere cold!
By Clemmons Auto Glass, December 28, 2024 @ 7:35 pm

This was a great read—thought-provoking and informative. Thank you!
By 消防グッズ通販, December 28, 2024 @ 11:32 pm

Air pollution can affect people of all ages, but certain populations could also be significantly susceptible.
By Reuben Shuemaker, December 29, 2024 @ 1:08 am

Stumbling upon this article was the highlight of my day, much like catching a glimpse of a smile across the room.
By 順調に進みますように, December 29, 2024 @ 1:57 am

The methods tailored to catch fish, learn the water as properly as the methods to bait it can be all learnt from that skilled individual..