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The Tale of a House, and an Entire Market
http://www.nytimes.com/2014/01/26/business/the-tale-of-a-house-and-an-entire-market.html
They are joined in that belief by a vast majority of Americans; lending for home purchases rose from a low of $404 billion in 2011 to an estimated $652 billion last year, according to the Mortgage Bankers Association. But while Americans still want to

Stock Market Tumble Baked in the Cake Years Before
http://www.marketoracle.co.uk/Article44120.html
The government had just taken over mortgage giants Fannie Mae and Freddie Mac. he had warned of just that danger from excessive leverage in an earlier paper: "Using high leverage to improve corporate performance is much like encouraging safe

The Keeping-Up-With-the-Joneses Myth
http://www.theatlantic.com/business/archive/2014/01/the-keeping-up-with-the-joneses-myth/283330/
The Keeping-Up-With-the-Joneses Myth The idea is that the rich-poor gap leads to credit booms—as the poor try to close the gap with borrowed money— and this leads to defaults, financial busts, and recessions. This story would make the "keeping-up-with-the-Joneses principle" a key It

Jamie Dimon Needed a Raise to Make Up for the Rough Year He's Had
http://www.bloomberg.com/news/2014-01-24/jamie-dimon-needed-a-raise-to-make-up-for-the-rough-year-he-s-had.html
And sometimes you will make the choice to do things that wander into legal gray areas, or that increase the odds of some of your people doing illegal things ("Let's hire a bunch of people to make subprime mortgage loans and pay them for production

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The Myth of the Subprime Mortgage Crisis

A decade after it began, the Great Recession is now commonly blamed on a subprime mortgage crisis – banks extending too many loans to low-income borrowers with high risk of default.

But Professor Manuel Adelino found that narrative doesn’t fit the facts.

Adelino, a finance professor at Duke University’s Fuqua School of Business, along with co-authors Antoinette Schoar of MIT and Felipe Severino of Dartmouth, reviewed nationwide income, home sales and mortgage data from the years before and during the financial crisis. They found the banking collapses that sparked the recession were the result of spiking loan defaults among buyers with higher incomes.

The resulting research, The Role of Housing and Mortgage Markets in the Financial Crisis , was recently published in the Annual Review of Financial Economics.

Adelino discusses the findings in this Fuqua Q&A.

You found low-income buyers weren’t to blame for the financial collapse that led to the recession. How did you conclude that?

The GOP is Not On the Consumers' Side

[Elizabeth] Warren and other consumer advocates argued that payday lenders built their industry on a similar sleight of hand. They marketed themselves as lenders of last resort, offering emergency loans for a broken-down car or an unexpected medical bill. But according to Nick Bourke, a former financial-services consultant who now directs consumer-finance research at the Pew Charitable Trusts, what fed the industry’s growth were not emergency expenses but the increasingly unstable incomes of the working poor. As their hourly wages fluctuated at the whims of workplace-optimization software, payday-loan customers — typically white women earning around $30,000, according to Pew’s research — borrowed to pay their rent or electric bills. The average customer paid $55 in fees to borrow $375, due on their next payday. But most found that they couldn’t afford to repay the loan after two weeks. They took out another loan to cover the first, and usually another.

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