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Thursday, November 20, 2008
Michelle Singletary :: Townhall.com Columnist
Treasury Treats Bailout Cash Like 'Chump' Change
by Michelle Singletary
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WASHINGTON -- I usually don't enjoy watching congressional hearings. They are often packed with blustering, long-winded, self-serving speeches that are nap-inducing.

But a recent hearing before the domestic policy subcommittee of the House Oversight and Government Reform Committee was riveting. In part, it was because of remarks by Rep. Elijah Cummings, D-Md.

The subject of the hearing was whether the Treasury Department was using bailout funds to increase foreclosure prevention, as Congress intended.

It was Cummings' questioning of Neel Kashkari, the interim assistant Treasury secretary for financial stability, that had me hollering.

I loved the Cummings tirade so much that I immediately began taping the session as it aired on C-SPAN. I've since viewed it a couple more times. You can also watch it on YouTube.

During the hearing, Cummings said what I've been feeling for months. In straight-from-the-'hood vernacular, Cummings captured what has been done to American taxpayers.

"Mr. Kashkari, in the neighborhood I grew up in, in the inner city of Baltimore, one of the things that you tried to do was make sure that you were not considered a chump," Cummings said. "And what 'chump' meant was that you didn't want people to see you as just somebody they could get over on."

Without a doubt, corporate America is playing us like chumps. Treasury Secretary Henry M. Paulson and the folks he's assembled to try to get us out of the economic tempest are being played like chumps.

Exhibit A: American International Group.

AIG, the insurance giant, was initially saved from impending failure by an $85 billion loan. Then we hear AIG sponsored a lavish junket at a swank hotel after the infusion of government money -- our money.

Most recently, AIG said in its quarterly filing that it would allow employees to collect $503 million in deferred compensation.

"I'm just wondering, do you all say to yourself, 'Boy, this doesn't look too good'?" the congressman asked. "I mean, does that go through your head or is it just me? Am I missing something?"

While it's true the funds AIG wants to release is money its employees have earned, the timing and appearance are horrible.

"I'm just wondering how you feel about an AIG giving $503 million worth of bonuses out of one hand, and accepting $154 billion from hardworking taxpayers," Cummings, getting visibly agitated, asked Kashkari.

But it's not just about AIG, Cummings said. More companies are lined up to get a government handout.

Will they be thinking, "Is Kashkari a chump?" Cummings asked.

Kashkari explained AIG's compensation decision, although he said he was not defending the company's actions. He testified he was told by his staff that the money was going to be released as an incentive to retain certain AIG employees. Continued...

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About The Author

Michelle Singletary is a nationally syndicated columnist for The Washington Post.

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Dow 4000
Yeah we are screwed.

If you look at the historical data, the Dow today if it was growing at the same rate as it did from 1900 - 1980 would be at about 2000 today.

We should be very concerned by the fact that it increased in value so much faster from 1980 - 2007.

But even if we think the Dows growth from 1980 till 2000 was reasonable. That still only put us at 7500 today.

I believe the growth of the Dow in the 1980's and on is blamed on the raise of consumer credit, and the even faster escalation of the dow from 200 on was due to the rise in home equity lines of credit available threw the housing bubble.

What we are witnessing today is a credit crunch and this credit crunch will end with a significant drawback in lines of credit as well as significant default. The end result will be that valuations in companies will readjust to historic valuations.

i.e. Dow 2000 probably more like 3000 or 4000 just in order to price in significant value added by the information revolution.
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