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How has bailing banks out in 2009 translated in monetary terms to the average American citizen?The bank bailouts were composed of two separate packages, the TARP and the Fannie and Freddie bailout. As of right now, the TARP, a total of $475 billion, and the Fannie and Freddie bailout, $187 billion, come together for a total of $618 billion.So our question here is, if $618 billion in loans were given to the banks, as of right now, roughly 7 years later, how much have American taxpayers gotten in return? First we need to see in more detail where this money went. Let's address the TARP first. So it's $475 billion and split into 13 separate programs. The money that was allocated through these programs are organized as follows by descending order.$205 billion to the Capital Purchase Program. This is where most banks received their funding.$81.3 billion to the Automotive Industry Financing Program. This was used to keep Chrysler and GM afloat.$69.8 billion to the Systematically signNow Failing Institutions. It was actually just one company that received these funds and it was AIG.$40 billion to the Target Invested Program. While Citigroup and Bank of America already received $25 billion a piece from the Capital Purchase Program, the Target Invested Program allocated more.$29.9 billion to the Making Home Affordable. This provided incentives to mortgage services to modify their mortgage loans and other foreclosure alternatives.$21.6 billion to the Public-Private Investment Program. This purchased the toxic and hard-to-value mortgage backed securities from a multitude of banks to get them off their books.$7.6 billion to the Housing Finance Agency Innovation Fund. This helped families in states that were hit hardest by the crisis.$1.03 billion to the FHA Refinance Program. This helped homeowners who owed more on their mortgage than their home was worth.$783 million to the Community Development Capital Initiative. This was designed provide cheap financing to Community Banks in the hopes that small businesses would receive these loans.$431 million to the Auto Supplier Support Program. This provided financing to auto part suppliers.$368 million to the Small Business and Community Lending Initiative. This program purchased securities provided by the Small Business Administration as a way to ensure that entrepreneurs and small business owners would retain their credit.$100 million to the Term Asset-Backed Securities Loan Facility. This program was a collaboration between both the Treasury and the Fed. It would provide loans to owners of highly-rated asset-backed securities.$0.0 to the Asset Guarantee Program. This one may look strange since it has no money allocated to it, but it's purpose was to act as a last resort in case Citigroup and Bank America continued to tack on more losses. Now that's just the TARP program. As for the second package of the Bank Bailouts, the Fannie and Freddie Bailout, it just had one program.$187 billion to the Preferred Stock Investments. This program nationalized Fannie and Freddie and overhauled regulation. For the TARP, there are some important details to understand about these numbers$475 billion is the overall cap. All of the numbers listed under the TARP section are what the Treasury is allowed to loan. They can go under the cap if they find the program no longer needs funding.With this in mind, the Treasury has only spent 96% of its cap or $458 billion on a total of 954 recipients.Of this $458 billion pledged to these 954 recipients, and because it's not distributed all at once, as of March 2nd 2016 these recipients have received $431 billion. That means 94% of the money they were promised to receive since the Bail Outs were initiated have actually been put into their hands.As for Fannie and Freddie, the full $187 billion has been invested, so not too complicated.Now, let's look at all of this translated into monetary terms for the average American citizen. Looking at the TARP, which dished out a total of $431 billion, a total of $390 billion has been returned. The TARP also has been receiving returns on the money originally invested and loaned. In total this return is $52.4 billion. This return made by the Treasury is composed of $23.1 billion from interest payments and dividends, $20 billion from selling of equity or acquired assets (these assets are mainly Citigroup stock), and $9.63 billion in stock warrants. With these revenues in mind, the US government has made a total profit of $11.6 billion. ($390B returned and $52.4B in profits minus $431B to equal $11.6B). Going back to the 954 recipients of the TARP programs funds, only 780 were in the form of investments, the rest of the money allocated to the other 174 recipients was in the form of subsidy. This means $18.8 billion isn't returning. Now of the 780 investments made by the Treasury, 578 of them have resulted in a profit, that's roughly 74%. As for the Fannie and Freddie investments of $187 billion, the Treasury has a return of $241 billion. So, in total combination, how much has the US government made in return? Combining both the TARP and the Fannie and Freddie bailout results in $618 billion of outflow invested, loaned, or subsidized. As of March 2nd, 2016, $390 billion has been returned so far. But because of the returns made by the Treasury on the money invested and loaned, it has made $294 billion. With all of this in mind, the government has made a profit of $65.3 billion.What does all of this mean for the average US citizen? You can say the bank bailouts have expressed a return of an extra ten cents for every dollar put in. Source: https://projects.propublica.org/...
When do I have to learn how to fill out a W-2 form?Form W-2 is an obligatory form to be completed by every employer. Form W-2 doesn’t have to be filled out by the employee. It is given to inform the employee about the amount of his annual income and taxes withheld from it.You can find a lot of information here: http://bit.ly/2NjjlJi
How much did the US government spend to take us out of the 2009 recession?Nothing. Nada. Zero.In fact, in bailing out GM the government made something like $20 Billion.Those treasuries the Fed owns? Probably profitable at this time.Sorry to burst the bubble of the “the government bailout cost Billions” conspiracy theorists, but the government bought stock and loaned money. They didn’t ‘give any away.’That I’m aware of, anyway, and I watched pretty closely.
When do I have to fill out forms for the CPT, June 2018?Usually, ICAI announces for CPT exam form during April (for June attempt)Accordingly, for June 2018 attempt, ICAI will come out with exam form on april month and you have around 20–25days to submit it.Wait for the preceding attempts result i.e. Dec. 2017 which will be announce on Mid. January 2018, and in around April 2018, Exam Form windows may be open for exam form.(PS - by Form, you would meant to be Exam form for the attempt)Hope, it helps.Thanks.
How did Greece cook the books to join the Euro and how was this found out in 2009?Well consider two facts:The total debt of the Greek government in 2012 was 340 Billion dollarsThe population of Greece was and is around 12 million peopleI think it is wise to be guided by the words of Thucidides, (460 BC),“...good deeds can be shortly stated but where wrong is done a wealth of language is needed to veil its deformity.”So when you read long, convoluted explanations using arcane jargon which seeks to convince that it was the fault of the horrible Germans for lending Greece all that money…well, how shall we say it, IT DOES NOT PASS THE SMELL TEST.I guess it’s sort of like borrowing 1 million dollars to party like a madman for a month and then when you can’t pay it back, casting the blame on the bank for having lent it to youYes it’s a simple explanation, perhaps too simple but perhaps when, in time, the fog clears, it was indeed the simple explanation that explained it“...good deeds can be shortly stated but where wrong is done a wealth of language is needed to veil its deformity.” - Thucidides, (460 BC),
How long is F4 category have to wait for the priority date to become current? I am from Nigeria, my US citizen’s brother filled for me since 2009 and my pirority is July 4, 2009.Currently priority dates from Oct 2004 is being processed. If the same rate of processing goes, you have another 5 years or so wait time ahead of you. Please bookmark the visa bulletin link from my blog post foundUSCIS Green Card Processing Current Dates by Mel Burslan on Search before asking about US immigrationand check monthly or at your convenience to see where F4 priority dates are at any given month.
How long will a Macbook 2009 take to ship from Juneau, Alaska to Leavenworth Kansas?If you use Priority Mail, you can get a free box at any post office and it should arrive in two days. There is a box the right size and shape for most laptops, though it would need a bit of bubble wrap to make it safe to ship. Remember that parcels are sorted by machines so the contents need to be protected from drops. Postage is less than $20.
Is it possible to apply or fill out a form for the CPT June attempt 2018 now or tomorrow?Dear friend,The time is up for registration for CPT June attempt.If you already attempted cpt and this is second time ( orpre than that) then you can apply for CPT December exam.Through ICAI official website.Thank you.