Gramm Swaps

[From Rick Marken (2008.09.25.2045)]

I would like to point out that I had predicted some time ago (like as
soon as Bush was appointed by the Supreme Court) that Republican
policies would result in a financial catastrophe. It's basic closed
loop economics: when you transfer wealth from people in the middle to
those at the top who can't spend it it doesn't trickle down; it is
just no longer available for use by the aggregate consumer for
consumption. With fewer consumers there is less need for producers,
ergo, depression.

I was somewhat puzzled, however, about why it was taking so long for
the economy to crash. My guess was that it was because of the
availability of credit and now I think that the nature of the current
crash suggests that I was right. The economy was being held together
by bad loans (bundled into what my darling wife calls Gramm Swaps --
her name for the completely unregulated credit default swaps that were
made legal by that great Republican economist Phil Gramm, that keep
the economy afloat-- albeit on helium -- for an extra six years of
so). I think it will take another New Deal type jobs program, such as
the one suggested by Obama, which is aimed at developing new energy
technologies, to save the thing. We'll see. Open loop economics dies
hard.

Best

Rick

···

--
Richard S. Marken PhD
rsmarken@gmail.com

[from Gary Cziko 2008.09.26 06:49 CDT]

Rick:

You wrote:

It’s basic closed

loop economics: when you transfer wealth from people in the middle to

those at the top who can’t spend it it doesn’t trickle down; it is

just no longer available for use by the aggregate consumer for

consumption.

Can you elaborate on why you believe that “those on the top can’t spend it”? I had always thought that wealthy people had bigger homes, more and more expensive cars, sent their kids to expensive schools, bought expensive clothes, etc. Isn’t this because they spend lots of money?

–Gary

[From Fred Nickols (2008.09.26.0631 PDT)]

Gary:

I'm sure Rick will have a response but I have a comment of my own.

If you, a rich person, buys a Bentley or a Rolls Royce, you pay a lot more for your car than I, a poorer person, do when I buy my Honda. And let's say ditto for clothes, house, schools, etc. But although you pay more, you don't consume more. It seems to me you have to buy more cars, more clothes, more houses, etc, to consume more, not just pay more.

Anyway, I'll wait to see what Rick has to say.

···

--
Regards,

Fred Nickols
Managing Partner
Distance Consulting, LLC
nickols@att.net
www.nickols.us

"Assistance at A Distance"
      
-------------- Original message ----------------------
From: Gary Cziko <g-cziko@UIUC.EDU>

[from Gary Cziko 2008.09.26 06:49 CDT]

Rick:

You wrote:

It's basic closed
> loop economics: when you transfer wealth from people in the middle to
> those at the top who can't spend it it doesn't trickle down; it is
> just no longer available for use by the aggregate consumer for
> consumption.

Can you elaborate on why you believe that "those on the top can't spend it"?
I had always thought that wealthy people had bigger homes, more and more
expensive cars, sent their kids to expensive schools, bought expensive
clothes, etc. Isn't this because they spend lots of money?

--Gary

[From Kenny Kitzke (2008.09.26)]

In a message dated 9/25/2008 11:43:52 P.M. Eastern Daylight Time, rsmarken@GMAIL.COM writes:

[From Rick Marken (2008.09.25.2045)]

I would like to point out that I had predicted some time ago (like as
soon as Bush was appointed by the Supreme Court) that Republican
policies would result in a financial catastrophe.
We are blessed not only to have an amateur economist on this CSGNet but a prophet…and a very self-aggrandizing one to boot. And, the parenthetical about the appointment not only sour grapes but factually innacurate.

It’s basic closed
loop economics: when you transfer wealth from people in the middle to
those at the top who can’t spend it it doesn’t trickle down; it is
just no longer available for use by the aggregate consumer for
consumption. With fewer consumers there is less need for producers,
ergo, depression.
That’s quite an economic theory. Who that has studied economics believes it but you? Rich people don’t put their money under their pillow. They invest their cash in financial instruments and assets such as stock and venture capital deals so creative and hard working and smart producers can not only produce the staples that the poor buy, but the high-tech products and services that they can’t afford. I think your theory is baloney perhaps applicable to a local community and farm economy where farmers give blacksmiths food in exchange for horseshoes so they can plow and plant and harvest their crops.

Unfortunately, governments are huge consumers spending way more money on than the top 1% of earners. And, they even spend money they don’t earn or tax, they borrow it. Worse, a bunch of it is to build bombs and high-tech systems to deliver them so they can control not only the people they govern, but other nations which they do not. Wars, especially over principles, are generally not good investments are they?

I was somewhat puzzled, however, about why it was taking so long for
the economy to crash. My guess was that it was because of the
availability of credit and now I think that the nature of the current
crash suggests that I was right. The economy was being held together
by bad loans (bundled into what my darling wife calls Gramm Swaps –
her name for the completely unregulated credit default swaps that were
made legal by that great Republican economist Phil Gramm, that keep
the economy afloat-- albeit on helium – for an extra six years of
so). I think it will take another New Deal type jobs program, such as
the one suggested by Obama, which is aimed at developing new energy
technologies, to save the thing. We’ll see. Open loop economics dies
hard.
If Phil Gramm unilaterally has the smarts and ability to defer the collapse of the US economy for six years, I suggest we immediately put him in charge of the recovery. With more power, he could probably give us decades of prosperity even if Obama is elected. He would do much better than the other clowns in the government who think they are responsible for and can control a private economy.

···

Best

Rick

Richard S. Marken PhD
rsmarken@gmail.com


Looking for simple solutions to your real-life financial challenges? Check out WalletPop for the latest news and information, tips and calculators.

Hi,

Is it not true that the present economic situation the US is experiencing
is similar to what happened during the Vietnam War, the Gulf War and the
Korean War? The US seem to always be at war with someone. What does that
say about the US?

If the above statement is true, and there is desire for change, then a few
self-evaluation questions and a bit of bumping up would allow for some
re-organization.

The US is so focused on what they do, they loose sight of how they are
being when they do stuff. What a mess.

That's my two cents

Jason
"Control Systems Group Network (CSGnet)"
<CSGNET@LISTSERV.ILLINOIS.EDU> writes:

···

[From Rick Marken (2008.09.25.2045)]

I would like to point out that I had predicted some time ago (like as
soon as Bush was appointed by the Supreme Court) that Republican
policies would result in a financial catastrophe. It's basic closed
loop economics: when you transfer wealth from people in the middle to
those at the top who can't spend it it doesn't trickle down; it is
just no longer available for use by the aggregate consumer for
consumption. With fewer consumers there is less need for producers,
ergo, depression.

I was somewhat puzzled, however, about why it was taking so long for
the economy to crash. My guess was that it was because of the
availability of credit and now I think that the nature of the current
crash suggests that I was right. The economy was being held together
by bad loans (bundled into what my darling wife calls Gramm Swaps --
her name for the completely unregulated credit default swaps that were
made legal by that great Republican economist Phil Gramm, that keep
the economy afloat-- albeit on helium -- for an extra six years of
so). I think it will take another New Deal type jobs program, such as
the one suggested by Obama, which is aimed at developing new energy
technologies, to save the thing. We'll see. Open loop economics dies
hard.

Best

Rick
--
Richard S. Marken PhD
rsmarken@gmail.com

[From Rick Marken (2008.09.26.0730)]

Gary Cziko (2008.09.26 06:49 CDT)

Can you elaborate on why you believe that "those on the top can't spend it"?
I had always thought that wealthy people had bigger homes, more and more
expensive cars, sent their kids to expensive schools, bought expensive
clothes, etc. Isn't this because they spend lots of money?

I mean that they can't use all (or even most) of their money for
consumption. Yes, someone making a million a year spends (consumes)
more than one making $50,000. The latter probably spends all $50,000,
socking away 0; the former may spend $500,000. So there's 1/2 a
million that is being socked away. Open loop economists see that 1/2
million as money that is now available for investment; it's a
"stimulus" for growth, because investment leads to increased
production. That's the open loop view. The closed loop view (confirmed
by data) is that when you increase production you have to have
consumers available to pay back the producer for the investment that
caused the increase; consumption and production are the two main
components of a closed loop.. When most of the consumers are making
$50,000, there is no "demand" (money) left to buy the increased
production. Of course, if the $50,000 consumers borrow money they can
maintain the increased production resulting from investment. But at
some point the debt has to be paid by the $50,000 consumers who have
no money to pay it because wages are stagnant. And that's what just
happened: crasho!

Best

Rick

···

--
Richard S. Marken PhD
rsmarken@gmail.com

[From Rick Marken (2008.09.26.0815)

Kenny Kitzke (2008.09.26)--

Wars, especially over principles, are generally not good investments are they?

I sure agree with you there! I think _defense_ is a good investment, though.

If Phil Gramm unilaterally has the smarts and ability to defer the collapse
of the US economy for six years, I suggest we immediately put him in charge
of the recovery.

I'm sure Gramm is smart but I'm also sure that the deferral of the
economic collapse that resulted from the legislation that legalized
Gramm Swaps (over Clinton's veto, by the way; this was Republican
policy) was clearly a side effect of his greed. And I'm not all that
impressed by the 6 year deferral either since during that time the
economy continue to make things worse for the middle class; wages
stagnated, wealth disparity increased. I prefer just good, steady
economic policy that maintains the middle class; like the policies of
all Presidents from FDR through Nixon.

Best

Rick

···

--
Richard S. Marken PhD
rsmarken@gmail.com

[From Bill Powers (2008.09.26.0919 MDT)]

For all of you with PC’s that show the time in the system tray at the
bottom of the screen, do the following, now:

To check the date, move the mouse pointer over the time digits (or
double-click on them) to make the date appear, and see what the date is.
Come back here and say the date to yourself.

Now say the time that was showing when you read the date.

When I do that, thinking about checking the date, I find I have to look
again if I want to notice consciously what the time is. I SAW the time!
But I didn’t see it.

This also works if you ask someone with a wristwatch how long it is until
lunchtime. Then cover the wristwatch and ask them what time it
is.

Good example of perception and consciousness not being the same
thing.

Rick Marken (2008.09.26.0730) –

Gary Cziko (2008.09.26
06:49 CDT)

Can you elaborate on why you believe that “those on the top
can’t spend it”?

I had always thought that wealthy people had bigger homes, more and
more

expensive cars, sent their kids to expensive schools, bought
expensive

clothes, etc. Isn’t this because they spend lots of money?

I mean that they can’t use all
(or even most) of their money for

consumption. Yes, someone making a million a year spends (consumes)

more than one making $50,000. The latter probably spends all
$50,000,

socking away 0; the former may spend $500,000. So there’s 1/2 a

million that is being socked away. Open loop economists see that 1/2

million as money that is now available for investment; it’s a

“stimulus” for growth, because investment leads to
increased

production. That’s the open loop view. The closed loop view
(confirmed

by data) is that when you increase production you have to have

consumers available to pay back the producer for the investment that

caused the increase; consumption and production are the two main

components of a closed loop… When most of the consumers are making

$50,000, there is no “demand” (money) left to buy the
increased

production. Of course, if the $50,000 consumers borrow money they
can

maintain the increased production resulting from investment. But at

some point the debt has to be paid by the $50,000 consumers who have

no money to pay it because wages are stagnant. And that’s what just

happened: crasho!

Something like that. I think you have the right idea but not the details
yet.
We desperately need a working model of the economy. I don’t accept your
first try because it proposes an imaginary control system that
doesn’t really exist – the one that has a reference level for growth
rate (or any other global feature of the economy). There is no reference
signal for growth rate, except of course in a few individuals who can’t
control it anyway.
Kenny scoffs at what you say, but that is just hot air. Nobody actually
knows how this economy works, especially not economists. This is
demonstrated, as you point out, by the economic events of the last decade
that culminated in the current frantic attempts to fix the natural
consequences of following current beliefs about economics. I don’t think
this is the time for anyone to claim that they understand the economy
unless they want to be asked if they planned all this in advance, and
why.
To add a bit to your picture, with which I mostly agree: There are
low-end (Walmart) and high-end (Mercedes dealership) markets. The poor
patronize the former, the rich the latter. The rich spend more per
purchase to buy the high-end goods and services, but most of the money
they pay goes to the owners of the business enterprises, many of whom are
probably also rich; workers are not paid commensurately more just because
the goods they make are made better and cost more. More, yes, but a
Mercedes assembly-line worker or delivery-truck driver does not make 10
times the salary of a Chevvie worker. The owners (other than pensioners
or small investors) buy at Neimann-Marcus; the workers at
WalMart.
This means that the buying power of the rich tends to circulate among the
rich. That’s why “trickle-down” doesn’t work. The rich just get
richer. It’s really funny how people can look at a simple demonstrable
fact like that, and even talk about it, and still not see it.
The other aspect of your analysis is important, too. Investment is
certainly needed when a company wants to expand its operations or start
new ones. But it’s perfectly obvious that a company that expands its
production of something that nobody wants or has the money to buy
is just going to go broke, and the investors will lose their money. So
before the expansion, the company has to try to make people want its
product, or more of it, and make sure they have enough money to buy it.
There is always a chance that the appeal of the product will not be
sufficient for the new revenue to cover the cost of expansion (or
startup), in which case again the company goes broke. Or someone else
could start a competing line that has more success, with the same result
for the first company. All sorts of things could happen, which is why
entrepreneurs have to have a lot of insurance against failure, such as
incorporation to limit personal risk or selling non-refundable stock to
investors. And of course the entrepreneurs think that because they choose
to take such risks (or subject others to them, more usually), they are
justified in charging all that the market will bear for their products if
they succeed. And when they succeed, they feel that they are much smarter
and deserving than other people, especially people who show that they are
failures by being poor.

Therefore, the idea that it’s possible to expand the economy simply by
pumping more investment money into it is just silly: it’s like trying to
make a runner go faster by force-feeding him – after all, faster runners
use more food than people just trotting along do, so if we give slow
runners more food we can make them run faster, right? Duh.

Adding investment does no good unless there is already a demand for more
of a product. And the money paid for the product, which is the producer’s
income, comes from the money that producers in general pay (as wages or
capital income) to the people who are going to buy the product. One
company can expand by luring customers away from other companies, but
it’s not possible for ALL or even a significant number of companies to
expand that way unless they have borrowed enough money to pay the workers
and investors who are going to produce and also buy the added products.
The overall rate of expansion determines how much money is needed for new
investments. And in the final analysis, new investments have to come from
borrowing, because that’s the only place new money can come from.

That is why Republicans are the Borrow-and-Spend party. They’re used to
operating that way. The Democrats, the Tax-and-Spend party, are used to
having to pay as they go, so they have the old-fashioned belief that you
have to pay for what you get out of your income or your savings. Both, of
course are right when considered in the proper context. But without a
closed-loop model of the economy, neither one can see that the other is
right, too.

Nobody in economics or business, that I know of, understands how to
analyze closed-loop systems. We control theorists don’t know everything
there is to know about them, either, but we know a hell of a lot more
that the economists or businessmen or workers seem to know about them.
The first President Bush spoke of voodoo economics; he didn’t realize
that that’s the only kind there is. Economics is even more primitive than
psychology was before PCT.

I think someone should approach the new President, whoever he turns out
to be, and explain some of these things when the economic advisor is on
vacation. If there’s any big new project that this country (and the
world) needs, it is a Manhattan Project aimed at finding out, at long
last, what an economy is and what determines how it works. There is no
reason why the American economy can’t produce everything that everyone
needs and wants, just considering the talents of workers, inventors, and
managers. Those abilities don’t depend on the financial system, but only
on human aspirations, skills, and creativity. But the financial system is
like a brain tumor that interferes with the natural operation of the
system, so that when it hypertrophies, it sucks out all the precious body
fluids that the rest of the system needs and sickens the whole process of
living.

I think that can be fixed, if we really try.

Best,

Bill P.

[From Dick Robertson,2008.09.26.1200CDT]

Can I edge in on this question, as i have given it some thought for a long time now?

I think you are right, Gary, that rich people do buy, especially, luxury goods with their money. But so do middle class and working people. In fact, working people–if you increase their take home–are likely to spend of much bigger portion, of not all, of it, because there are so many things they are continually in need of. On the other hand, I speculated, years back already, that if I had a sudden burst of income, that far exceeded what it would cost to buy anything I currently fancied, you know what I would buy with the rest of it? REAL ESTATE.

Best,

Dick R.

···

----- Original Message -----
From: Gary Cziko g-cziko@UIUC.EDU
Date: Friday, September 26, 2008 7:05 am
Subject: Re: Gramm Swaps
To: CSGNET@LISTSERV.ILLINOIS.EDU

[from Gary Cziko 2008.09.26 06:49 CDT]

Rick:

You wrote:

It’s basic closed
loop economics: when you transfer wealth from people in the middle to
those at the top who can’t spend it it doesn’t trickle down; it is
just no longer available for use by the aggregate consumer for
consumption.

Can you elaborate on why you believe that “those on the top can’t spend it”? I had always thought that wealthy people had bigger homes, more and more expensive cars, sent their kids to expensive schools, bought expensive clothes, etc. Isn’t this because they spend lots of money?

–Gary

from Dick Robertson,2008.09.26.1205CDT]

[From Kenny Kitzke (2008.09.26)]

Unfortunately, governments are huge consumers spending way more money on than the top 1% of earners. And, they even spend money they don’t earn or tax, they borrow it. Worse, a bunch of it is to build bombs and high-tech systems to deliver them so they can control not only the people they govern, but other nations which they do not. Wars, especially over principles, are generally not good investments are they?

I couldn’t agree with you more, Kenny, on the “unfortunately.”

Best,

Dick R

[From Rick Marken (2008.09.26.2030)]

Bill Powers (2008.09.26.0919 MDT)--

Something like that. I think you have the right idea but not the details
yet. We desperately need a working model of the economy. I don't accept
your first try because it proposes an imaginary control system that doesn't
really exist -- the one that has a reference level for growth rate (or any
other global feature of the economy).

There was no reference for growth rate. There was a time varying
aggregate reference for goods and services. The size of this reference
at any time is assumed to be proportional to the size of the
population of people in the economy, each person in the population
being assumed to have a reference for a particular level of goods and
services. Assuming that the population is increasing then the
aggregate reference increases. My economics control system is no more
imaginary than the control system we use in our models of tracking,
where we know that a single control system represent the aggregate
action of many parallel neurological control loops.

Other than that, I agree with your post;-)

Best

Rick

···

--
Richard S. Marken PhD
rsmarken@gmail.com

[from Ted Cloak 2008.10.08 1620 MDT]

[from Gary Cziko 2008.09.26 06:49 CDT]

Rick:

You wrote:

It’s basic closed

loop economics: when you transfer wealth from people in the middle to

those at the top who can’t spend it it doesn’t trickle down; it is

just no longer available for use by the aggregate consumer for

consumption.

Can you elaborate on why you believe that “those on the top can’t spend
it”? I had always thought that wealthy people had bigger homes, more and
more expensive cars, sent their kids to expensive schools, bought expensive
clothes, etc. Isn’t this because they spend lots of money?

–Gary

It’s hard for us ordinary folks to grasp
how much those at the top have. You just can’t spend several billion dollars
on homes, cars, schools, and clothes. You have to give a lot away. In times
of stagflation, like the last several years, if you try to invest it in normal
businesses inflation chews it down faster than it can grow. That creates a
demand for hedge funds and their products.

–Ted