@ISIDEWITHQuestionseconomy8yrs ago

联邦储备银行是否应该由国会进行审计？

美联储是美国政府的中央银行体系。该行的主要目的是在恐慌和衰退来管理美国政府的货币供应量和稳定国家的银行。在2015年，参议员兰德·保罗（R-KY）和众议员托马斯·马西（R-KY）介绍了2015年将要求银行理事会进行了审计，并发布给国会的美联储透明度法案。审计工作会确定的会计记录，银行使市民的真实，给国会的深入了解银行的运行。参议员保罗一直是银行的惯例了激烈的批评，称它是“政治，寡头力量，什么外观和功能类似于银行卡特尔的重要组成部分。”审计的支持者认为，联邦储备银行应该是在2008年的财政危机时发挥了它在万亿债务救助几个全国最大的银行的角色后，进行审核。审计的反对者认为，政府问责局已经审核美联储和国会的审核会破坏其独立性。

78%
是的
22%
不
67%
是的
17%
不
8%
是的，我们应该知道银行把钱给了谁
5%
不应该，为了稳定我们的金融系统，它必须保持不受国会监督
3%
是的，但我更愿意将它废止，回到金本位制
0%
No, they are already audited by an independent agency

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 @ISIDEWITH submitted…1wk1W

Wall Street "Fear Gauge" Spikes Over Fear Of Middle East War

US investors are paying the biggest premiums since October to protect their portfolios against market gyrations as mounting tensions in the Middle East and reduced expectations of interest rate cuts fuel a surge in volatility.The Vix index, Wall Street’s so-called “fear gauge”, hit 19.6 this week, its highest level since October 20, two weeks after the Hamas attack that triggered Israel’s war in Gaza.The metric measures the price of options that enable investors to profit from swings in the S&P 500.As of Wednesday morning in the US, the index had receded slightly to about 18, still far higher than its late-March level of 12.6 per cent.Market turmoil has also affected US bonds, with the ICE BofA Move index, which tracks volatility in US Treasuries, hitting 121, its highest level since early January and up from 86 in March.US Federal Reserve chair Jay Powell also said on Tuesday it was likely to take “longer than expected” for inflation to fall to the central bank’s target level and make rate cuts appropriate.While the Fed has indicated that it intends to make three quarter point cuts this year to interest rates, investors now expect just one or two reductions. In January, they had anticipated six.The shift in rate expectations has hit bond markets, with yields, which move inversely to prices, rising sharply. That in turn has made equities less attractive to investors, since they can now earn a higher return than before from ultra-safe US Treasuries.

 @ISIDEWITH submitted…2wks2W

The Costs of Homeownership Is Skyrocketing

Homeownership affordability fell to its lowest level since the 1980s last year as mortgage rates reached a 23-year high and home prices set new records. Borrowing costs have eased somewhat this year, with the average rate for a 30-year home loan down about a percentage point since October. But other prices related to homeownership keep rising and show little sign of abating. Property taxes and home-maintenance costs are climbing in much of the country. Non-mortgage costs including property taxes, maintenance, utilities and insurance make up more than half of homeowners’ overall costs, according to a 2022 analysis by Fannie Mae economists. Worst of all, home insurance premiums are soaring. Rates rose by more than 10% on average in 19 states in 2023 after a series of big payouts related to floods, storms, wildfires and other natural disasters across the U.S., according to an Insurance Information Institute analysis of data from S&P Global Market Intelligence. More Americans also moved to disaster-prone areas in recent years, increasing the exposure to these events.Escalating costs on multiple fronts mean that many first-time buyers will continue to find homeownership a financial stretch. Consumer prices rose 3.5% in March from a year earlier, the Labor Department said Wednesday. The stronger-than-expected inflation data could prompt Federal Reserve officials to hold rates at their current level for longer, which could also keep mortgage rates from declining.The tens of millions of American homeowners who have locked in mortgage rates below 4% still have to contend with these other costs. And since insurance premiums, tax bills and maintenance costs can change each year, it’s hard for homeowners to budget how much more they will be paying even a few years from now. Plenty of homeowners are having to stretch financially to meet these home-related expenses. Nearly one in five said they couldn’t afford a $500 emergency repair without going into credit-card debt, according to a February online survey of 1,000 homeowners by tech company Clever Real Estate, while 42% said they’ve skipped home repairs or maintenance because of the cost.Almost 10% of homeowners surveyed by Fannie Mae last year were not confident they could afford their home insurance premiums at their next renewal.