The Daily Reckoning
Weekend Edition
September 25-26, 2004
Baltimore, Maryland
By Addison Wiggin and Tom Dyson

MARKET REVIEW: MONETARY MAKEOVER 

"There is virtually no intelligent economic discussion in the U.S.
today!" 

"In the '80s," remembers Dr. Kurt Richeb�cher, "it was different.
Economists debated the merits of "cost-push economics" and the Supply 
Side theory. Those days are gone." 

Dr. Richeb�cher will turn 86 this month. Most of his contemporary
economic thinkers - the ones who learned, cared about and argued over 
economic theory - are gone. And with them, the days when altruistic
economists drove economic debate. Today's meager fare we call
economic discussion is nothing more than hot air designed to sell
products. And today's economist - he's more like a salesman - he's
paid by Wall St. to produce hot air. 

And now that the U.S. economy is so dependent on the stock market,
America's purse strings have become tightly wound around Wall
Street's fat little finger. The investment banks and brokerage houses 
pay the wages, so it's no real surprise economic reporting remains
almost uniformly optimistic and modern economists are but mere shills 
for big sales departments. 

But not Dr. Richeb�cher. From his digs in southern France, he can
afford the luxury of independence...  

So we sent International Man, Thom Hickling, on a special Daily
Reckoning mission to Cannes with a video recorder and a microphone. 

"According to Dr. R.," writes Thom in his latest correspondence with
the Baltimore HQ, "the U.S.A. and China are the two most imbalanced
economies in the world: The U.S. with its credit and consumption
bubble, and China, with its extreme levels of over-investment. Both
are on the path to mutual economic destruction, because when
Americans can no longer afford to consume, the Chinese will also go
broke."

"The world economy is at a more critical juncture today than in 2000
when the tech bubble crashed. Then the U.S. economy was flush with
cash from the boom. It cushioned the storm that followed. Now
economic indicators show great weakness, but there is no cushion left 
to ease the fall. Monetary stimulus has little room to move. Deficit
spending by the government is tapped out. Consumers have
over-borrowed and there is no wage growth. The refinancing boom is
over."

Did he say 'refinancing boom?' 

We're sure Dr. R didn't miss this week's big news: "A government
regulator accused top executives of the mortgage giant of
mismanagement and serious accounting misdeeds!" says AP.

"Regulators at the Office of Federal Housing Enterprise Oversight who 
investigated Fannie Mae's books said the problems they found, at
least in a key area of accounting, were more serious, far more
complex and wider in scope than those at rival Freddie Mac - which
was fined a record $125 million in a settlement with the agency."

Fannie's stock opened the week over $77, but by Friday, had crumbled
down to $65.51 for a loss of 15%. 

Oil compounded Wall Street's misery by bursting higher. The goo
tacked on $3.29 from last week's close to reach $48.88 late Friday.
That's 73% higher than a year ago. 

And how did stocks react? They fell of course, distinctly. The Dow
succumbed to a 237-point drubbing, washing up at 10,047 for a loss of 
2.3%. The Nasdaq lost 31 to 1,879 and the S&P sputtered too. It
coughed up 19 points to 1,110.

Gold floated gently higher, coming to rest at $407.6 on Friday
afternoon. It closed the previous week at $405.4 per ounce. 

In the currency markets, the dollar/yen rate moved in the dollar's
favor by about 0.8 yen to 110.79. And against the euro, the dollar
gained almost one cent, moving 97 points to 1.2272 from 1.2175. 

"The Brits having dinner next to us with their daughter - who was in
town with an international yacht company for the Festival de la
Plaisance (pleasure - meaning pleasure boating) - remarked to us that 
the yacht business is great and that the economic news from the U.S.
was even rosier," Thom's report continued: "Great news to them." 

"There are $60 million yachts for sale. Some rent for $250,000 euro a 
week. These guys need the rich showoffs of the world to stay rich and 
keep showing off. But to Richeb�cher, it was simply economic
nonsense... short-sighted extrapolation of current trends." 

"And talking of showoffs, yesterday, while eating dessert
(raspberries and ice cream) at Plage d'Ordine, Dr. Richeb�cher's
favorite restaurant in Cannes, a cute girl decided to sunbathe
topless near our table. That's something you don't normally see while 
discussing trade deficits." 

"C'est la vie de France!"

Regards,

Tom Dyson
The Daily Reckoning

P.S. He actually has the gall to call it a money making machine! 

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--- Daily Reckoning Book Of The Week ---

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Tom Dyson read this book because he wanted to know where long-term
Treasury rates were headed. He thinks betting in the bond market is
betting on the Fed. That's because Fed policy will probably determine 
when we eventually slide into deflation. 

And if you knew the answer to the inflation/deflation puzzle, you
could predict the remaining macro trends with precision and ease. 

What did he glean? A short position in the 30-year Treasury market... 
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------------------------

THIS WEEK in THE DAILY RECKONING 

09/20/04  LIE AND KEEP LYING 

"... But wages are not rising as fast as prices, which means that
people buy less with their static paychecks, which means that
factories sell less, which means that factories produce less, which
means they don't need as many workers, which means that there is a
glut of labor, which means that wages are not increasing... " 

http://www.dailyreckoning.com/body_index3.cfm?id=10248

09/21/04  THE LAST PIECE OF THE OIL PUZZLE 

"... Without the world's oil tanker fleet, the global economy would
come to a standstill. And for the first time, the stock market is
about to take notice... " 

http://www.dailyreckoning.com/body_index3.cfm?id=10257

09/22/04  CONTRARIAN LETHARGY 

"... Like in a casino or lottery, some players who are particularly
skilful or lucky will leave with huge profits, while the majority
will end up with losses. I suppose that, eventually, even the casino
will lose money... "  

http://www.dailyreckoning.com/body_index3.cfm?id=10272

09/23/04  THE GREAT DISCONNECT 

"... Evidence is rampant that financial markets remain in their own
levitated world. Sure, like most services, the financial sector grows 
faster than the overall economy. As U.S. business expands, financial
services become more widespread and more complex and make up an
increasing share of economic activity... " 

http://www.dailyreckoning.com/body_index3.cfm?id=10277

09/24/04  FRUGAL TO A FAULT 
"... But never was there a problem under the bright sun of America
2004 that didn't have some sort of fraud creeping in the shadows of
its debt bubble. Reading about Ms. Naughton, economists are likely to 
see a threat... " 
 
http://www.dailyreckoning.com/body_index3.cfm?id=10297


----------------------

HEADLINE, NEWS And INSIGHT: 

09/20/04 The Monetary Economics of Thurston Howell III
by B.K.Marcus

"... In early episodes, we see Mr. Howell hiring various services
from other castaways. We eventually learn he's been writing checks on 
a mainland (and therefore inaccessible) bank. This works while the
group consider their condition temporary, but the checks are quickly
devalued and eliminated when the castaways begin to prepare for the
possibility of an indefinite stay on the island... "  

http://www.dailyreckoning.com/body_headline.cfm?id=4125


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