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Tsikoteer
- Join Date
- Jul 2013
- Posts
- 2,450
September 29th, 2020 11:13 AM #3261Duterte's leadership style is all about fear and intimidation.
He cant beat someone or something that is not afraid of him. Case in point - COVID19. Kaya tayo nasa ganitong situation sa COVID19 ay dahil akala niya madadaan niya sa usual antics niya yung pagsolve sa virus. Malas natin ang virus ay walang pake sa pagmumura niya.
Now I dont think Facebook is any way threatened by the words of Duterte. Mas kelangan ni Duterte ang Facebook - not the other way around.
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September 29th, 2020 11:14 AM #3262
if there's a reason to borrow it's to use the cheap money for speculation not business
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September 29th, 2020 11:27 AM #3263
Pero nagbaba interest rate ang BSP for nothing. Binubulsa lang ng mga banks yung savings on interest rates. Gaano na ba kalaki ngayon ang spread ng banks between time deposit and savings deposit interests versus lending rates.
Reason ng mga banks is because of the higher cost of their money, the loan defaults, etc. So sacrifice nila mga good payors ng loans. Lalo mahirapan mga debtors, humina na ang business, mataas pa din interest rates na binabayaran nila, e di lalo dadami mag default ng loans.Signature
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September 29th, 2020 11:43 AM #3264
there's actually a term for the phenomenon where central banks can only do so much
where monetary policy reaches a limit
it's called pushing on a string
Pushing On A String Definition
Pushing on a string is a metaphor for the limits of monetary policy and the impotence of central banks. Monetary policy sometimes only works in one direction because businesses and households cannot be forced to spend if they do not want to. Increasing the monetary base and banks’ reserves will not stimulate an economy if banks think it is too risky to lend and the private sector wants to save more because of economic uncertainty.
sobra paulit ulit ko na sinasabi yan
put money in people's hands
people will spend the money -- that creates demand
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September 29th, 2020 11:46 AM #3265
re: interest rate on loans before central bank rate cuts
pag fixed rate ang loan kahit binaba ng central bank ang interest rate di naman affected yan diba
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September 29th, 2020 12:04 PM #3266
know where we're seeing direct effect of lower rates?
Philippine treasury bonds
ang baba ang interest ngayon
and since that's the benchmark of corporate bonds ang baba din ng interest rate ngayon ng corporate bonds
i'm sure nakakatanggap kayo ng text/email galing sa bangko nag aalok ng corporate bonds
ang baba ng interest rate ngayon
so why are companies issuing bonds?
mahina ang economy mag e-expand ba sila?
no
they're just taking advantage of the low rate environment
maybe retire older debt with higher interest
buy back sharesLast edited by uls; September 29th, 2020 at 12:07 PM.
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September 29th, 2020 12:16 PM #3269
the problem with the economy now is lack of demand
madami nawalan ng income so wala pang gastos
ung mga may pang gastos either nagtitipid o walang opportunity gumastos coz di lumalabas / di masyado lumalabas / wala mapuntahan (hello local tourism)
(oo may online shopping pero iba parin ung gumastos sa labas madami nakikinabang)
the central bank cannot make people spend
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September 29th, 2020 12:21 PM #3270
sa US nga ang reklamo -- the Federal Reserve's zero rates only drives speculation
people who have access cheap money speculate in the stock market
they don't put up businesses and hire people
that's the problem
hindi lang sa atin nangyayari ung limit ng power ng central bank
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