August 24, 2008

Fannie and Freddie: Whats Next

Investors are selling off Fannie and Freddie's common stock fearing more losses if there is a government bailout. So far, Fannie and Freddie’s shares have lost more than 90 percent of their value this year.

Fannie Mae has more than 600 million shares of preferred stock outstanding. Freddie Mac have about 460 million shares outstanding. Preferred stocks pay a high dividend and companies buy them for the relatively safe, consistent cash payouts they offer.

There is much concern now because the preferred shareholders are basically the banks and insurance companies. And no one is clear whether they would see their dividends if the tax payer was forced to step in such a massive way.

The financial industry takes another big hit because of all of these institutions are part of the same fabric. If it begins to sound like a house of cards...it is.

Congress estimates a government rescue of Fannie and Freddie could cost taxpayers $25 billion, with the exact amount based on how far the U.S. housing market falls.

Its becoming clear that some parts of the American financial system have ceased to function. The Japanese real estate crises in the 1980's was a huge implosion much like this one. Although great amounts of wealth were lost and markets never completely recovered, they still remained the #2 economy. And so we will weather this too. Amen

Thanks for Reading

Howard Bell

www.yourpropertypath.com
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