The Garrett, Watts Report (September 30, 2009)

    To Our Clients, Colleagues and Friends, What would be better, (a) having one $40 million warehouse line with Bank of America, or (b) having $25 million with the Bank of America and $10 million with Comerica or Flagstar?  Even though (a) is for $40 million and (b) is for only $35 million, we’d probably recommend option (b).  Having two lines is almost always better than having just one, even if the one line is somewhat bigger than the two combined. [more...]

Date: 2009-09-30 18:45:19

Blog posts (552) | Videos (42)
 

How To Research a Charity

Charitable giving of money, time, or donated items is a time honored way of helping others ... the organization and ask for a copy of their IRS Letter of Determination. Don’t feel bad for asking either. Any reputable organization should be happy to fax, email, or mail a copy to you. Many [more...]

Date: 2008-12-08 06:01:22

Debt Rattle, November 30 2008: How to Build a Lifeboat

National Photo Co. Mack Sennett Girl 1919. Actress Marvel Rea, one of film producer Mack Sennett's well-rounded "bathing girls" Stoneleigh: Yesterday we talked about why we are facing deflation and today I wanted to review and explain the suggestions we have made previously for dealing with a deflationary scenario [more...]

Date: 2008-11-30 20:00:51

Congressional Payfarce

This is an update of a previous posting on this topic. "If they will only do their job that is all that they are being overpaid for."David O. Selznick, on actors and actressesAs the economy caves in at an ever faster rate, our elected officials are cashing in, their pay raise, that is. It seems small, a 2.8 percent increase in pay [more...]

Date: 2009-01-08 21:38:00

become infamous for its ballooning costs, which have swollen to four times the original estimate in just three years. The velodrome and main stadium are also bulging beyond the confines of their original budget. That said, CLM can perhaps take credit that they're far from the greediest kitten at the teat. Olympic [more...]

Date: 2008-07-18 16:12:03

10 Questions and Answers at Master Your Card

The very talented CM over at CreditMattersBlog.com has a weekly segment entitled ‘10 Questions and Answers at CreditMattersBlog ... (free, and highly recommended if you’re a webmaster!). Whenever I happen across 10 or so questions ... . By the way, I’m not an expert but if you ever have any credit or finance related queries please don’ [more...]

Date: 2008-12-09 21:38:38

State Workers Fight Over Cutbacks as States Want More From Obama

As the budget crisis deepens, state employees are fighting each other for survival. Potshots are thrown between management vs. non-management, union vs. non-union, teachers vs. everyone else. In addition, governors want $1 trillion out of a total package of $850 billion Congress is likely to send to Obama to sign. The math does not add up [more...]

Date: 2009-01-03 19:53:00

State of Cycling in Massachusetts

Today is the last day in the world I'd ride my bike because it was -3 degrees when I woke up ... "T-boning" accidents where motorists don't realize how fast bikes go and turn in front of them. Bikes ... is absolutely at fault for hitting me. I wish I could claim credit for helping pass this law, but the credit [more...]

Date: 2009-01-16 22:08:26

As The Politicians Battle It Out Ukraine’s Economy Tunnels South In Search Of Australia

“In Ukraine, the evidence is still that policymakers do not quite understand the seriousness of the challenges they face,”. Timothy Ash, analyst at the Royal Bank of Scotland. “There is a burgeoning economic crisis in the European periphery,” Krugman said on the ABC network Dec. 14. “The money has dried up [more...]

Date: 2008-12-25 16:06:18

Good Times For Resale In California

Reuters reports on California. “Home sales in the San Francisco Bay area rose nearly 39 percent in October from a year earlier and the median home price posted a record fall, a report on Thursday said. The median price paid for all homes ... in the prior month and 8.2 percent a year ago, according to MDA DataQuick.” “‘The dramatic, near free [more...]

Date: 2008-11-20 20:19:16

The New China, Bush Asks for TARP, 2009 Oil Surprise, Buy Turkmenistan and More!

by Addison Wiggin & Ian Mathias Chinese exports dive; oil imports, money supply and leverage rise… sound familiar? Bush asks for rest of $700 billion TARP… S&P says USA’s credit rating getting shaky Dan ... . Unfortunately, the model was still dependent on mass consumption in the West. Without credit-fueled [more...]

Date: 2009-01-08 01:36:29

Jailed for Blogging

-By Warner Todd Huston Bloggers are being arrested more and more as the importance of the Internet is realized by governments across the world, ... their views on a blog, says the University of Washington annual report. The BBC also gravely informs ... at least so warns the BBC. It seems an alarming report where community activists and democracy [more...]

Date: 2008-06-20 11:24:33

I Hate Equifax

I wish I could turn my pure emotion into words on the screen to fully express my hatred for Equifax. It is pure. It is flowing. I. Hate. Equifax. Why I Hate Equifax I’ve recently reminded you to check your annual credit report ... running there has been an issue that results in us not getting her annual credit report. This doesn’ [more...]

Date: 2009-01-16 13:00:13

Ukraine Wobbles As The Financial Ground Beneath It Trembles

The medium-term outlook (for Ukraine) is sensitive to both external developments and policy responses ... 2006 Article IV Consultation Staff Report (February 2007) Ukraine’s economy is in trouble ... market and credit crunchg problems at this point in time (but here, of course, there is no strength [more...]

Date: 2008-10-12 12:15:13

Pertinent Obituary, Dimon Says Worst Not Over, Oil Producers Struggle, The Next Bubble and More!

One company to summarize all of the last 10 years… now on its deathbed Credit crisis survivor predicts “worst… not yet behind us” Oil ... and now the epitome of the credit crisis: Nortel had $2.4 billion of cash in hand yesterday ... for most of 2009. In terms of our sector, we expect consumer loans and credit cards to continue [more...]

Date: 2009-01-15 19:40:53

Why You Can’t Get a Job — Interview Prep

I wanted to write more on proving your actual worth to a company … rather than telling them how smart you are, ... License photo credit: sunciti_sundaram by Jackson Fraser Plan properly. Conduct your homework ... information: Google the company’s website as a first step. Learn how the company wants to be known [more...]

Date: 2009-01-07 04:36:12

Media & Politics

Media & Politics 02-Dec-08 Permanent link to MTA daily media news Extra Bonus Quote of the Day (Political Wire) “I’m sure some people voted for Barack Obama because of me.” — President Bush, in an interview with CNN. Resting a wee bit easier (by J -SOM at Liberal Rapture Hillary Clinton will be the next Secretary of State… Other than the [more...]

Date: 2008-12-02 17:32:35

Tennessee women to celebrate Day of “Free”dom

Nashville Convention Center transforms into state’s largest life support system for women ... (like setting up a living will, a serious budget and a plan of attack to improve your credit score ... s exactly what women can expect at the fifth annual All About Women experience coming [more...]

Date: 2009-01-14 18:00:45

DrumBeat: October 26, 2008

David Strahan: You're wrong, PM. We need higher oil prices Once again Gordon Brown has got energy policy all wrong. Even before Opec announced an output cut of 1.5 million barrels per day, the Prime Minister had denounced the move as "absolutely scandalous", fearing it would force the oil price higher just as the world slides into recession [more...]

Date: 2008-10-26 13:21:00

Sterling Exchange Rate Forecast

This report will focus on the outlook for Sterling, and how further interest rate cuts by the Bank of England this week may affect the pound ... rate, with the country's largest mortgage lender, Halifax, reporting a 16.2 percent annual decline ... since the recession of the early 1990s. The credit crunch has led to thousands of job cuts in many [more...]

Date: 2009-01-05 08:54:00

Confusing Consumption With Investment

People are now waking up to the fact that what that real estate investment guru was pitching at the seminar wasn’t necessarily an "investment": ... of resources.Card credit credit score Credit repair forum Providian credit card application Va home mortgage loan rate Purchase prepaid credit card Christian consolidation counselor debt Experian [more...]

Date: 2008-06-24 14:10:35

Use TrustedID to Fight Identity Theft

With the incredibly rapid growth of ID theft, there have been several businesses that have been formed with the distinct objective of battling this crime epidemic. These ID theft prevention companies essentially lock down your credit bureau ... supply you with annual credit reports from all three credit bureaus, so that you can check to see [more...]

Date: 2009-01-08 04:06:14

Gates of Vienna News Feed 1/6/2009

Tuan Jim sends an string of important news articles about the gas pipeline crisis caused by the deadlock between Russia and Ukraine. He notes that the affected countries are dusting off alternative sources of energy — fuel oil and nuclear reactors — for electricity generation.Thanks to AA, Abu Elvis, C [more...]

Date: 2009-01-07 04:50:00

Toyota slashes earnings forecast

Following Toyota’s official announcement back in August that it was reducing its global sales target for 2009 by 700,000 vehicles comes a new report that claims the industry juggernaut has cut its annual earnings ... of the previous year’s profit of ¥1.72 trillion yen, reports the Detroit Free Press. Toyota has previously cited [more...]

Date: 2008-11-06 12:21:03

Review Of E*Trade Bank High Interest Savings and Checking Accounts

When most people think of ETrade, the popular online discount brokerage firm with the cutesy talking baby commercials probably comes to mind ... s also one of the best online bank options in terms of interest rate and website features ... , and mutual funds via its highly sophisticated electronic trading website, ETrade customers can also [more...]

Date: 2008-12-27 08:39:38

Formerly soaring global trade suddenly comes to a halt

Technorati Tags: Baltic Dry Index,Baltic Dry Indices,Ship Chartering,Shipchartering,Voyage Fixtures,Time Charter Fixtures,Panamax,Capesize,Handymax, ... gloom, trade is being choked by the credit crunch, which is drying up routine export financing ... has been abrupt. As recently as 2006, global trade was surging at an annual rate of nearly 10%. This year [more...]

Date: 2008-12-29 13:52:00

HOLLYWOOD's HOTTEST BUNS: the fine behind of Beyonce; her backside is beyond the realm of bubble perfect; she has a stupid butt!

Beyoncé Giselle Knowles (pronounced /biːˈɑn.seɪ/, born September 4, 1981), commonly known as Beyoncé, is an American R&B singer-songwriter, record producer and actress. Born and raised in Houston, Texas, she enrolled in various performing arts schools, and was first exposed to singing and dancing competitions as a child [more...]

Date: 2009-01-16 04:59:00

As The Politicians Battle It Out Ukraine's Economy Tunnels South In Search Of Australia

“In Ukraine, the evidence is still that policymakers do not quite understand the seriousness of the challenges they face,”. Timothy Ash, analyst at the Royal Bank of Scotland. “There is a burgeoning economic crisis in the European periphery,” Krugman said on the ABC network Dec. 14. “The money has dried up [more...]

Date: 2008-12-23 19:21:00

moving your money to a safer bank. *Based on FDIC data from March 2008. ... » Banks and Fraud: Bank of America Better Than Expected? » More Credit Card Customers at Risk ... . Dovetailing nicely with my article on how to freeze your credit record, Ben talked [more...]

Date: 2008-07-16 10:10:35

Preliminary version of official minutes from controversial September LNC meeting released

LNC Secretary Bob Sullentrup’s minutes from its controversial September meeting have released. A final version is still pending ... ://www.lncregion7.blogspot.com/. On a more personal note, there is an error of fact in Sean Haugh’s report: “LP member George ... has proven to be quite useful.” p) Nope, that was me. George made a website using that info [more...]

Date: 2008-11-03 21:51:36

Friday Fraudster Mail

I am having difficulty locating local Ministers to work with in the Lord direction. Missionary Program, I have prayed that God will aid me in my search for people to spread his word but now is time to ask your help in this area. Please advise me on what to do [more...]

Date: 2009-01-16 08:26:44

Big Media Distorts Bush Economic Record

by James Pethokoukis, US News & World Report His presidency is almost over. But what is the true George W. Bush economic record? ( ... some of my free market principles when I was told by chief economic advisors that the situation we were facing ... at a really impressive 2.6 annual rate during the Bush years [more...]

Date: 2009-01-14 16:39:10

Extracts from the Archbishop of York's speech to The Smith Institute

From the Archbishop of York's speech, here. (Some of his analysis reminds me of my own thoughts on history and memory, here [No (hi) ... and above all, free healthcare. If you became sick, the state would care for you. There are many ... , but sadly littered with promissory notes whose cash value is the credit crunch and the economic downturn [more...]

Date: 2009-01-14 11:28:00

Retail sales report: Auto sales in free-fall

The Commerce Department reported retail sales fell 0.1 percent in July, the first overall decline in five months, with the 2 ... , as consumers weigh the impact of higher gasoline costs and tighter credit during a period of uncertainty ... over the last year, retail sales show annual gains of just 0.2 percent. Gasoline station sales rose [more...]

Date: 2008-08-13 13:24:00

Paying Down Debt

At the beginning of the week, my wife and I decided to give up our water softener ... is actually more detrimental than saving is positive. Take your average credit card, where you might ... , especially credit cards, than in saving money for the future, although that needs to be a part of it also [more...]

Date: 2009-01-09 16:41:39

Obama’s Deficit, Fed’s Forecast, India’s Market, Gold’s Victory, and More!

by Addison Wiggin & Ian Mathias Obama’s fiscal “change”… trillion-dollar deficits “for years to come” Fed says economy to shrink in all of ’09, unemployment to rise until 2010 Second wave of real estate tsunami swells… office and mall vacancy rates surge Indian market crushed in ’08, [more...]

Date: 2009-01-07 19:10:08

'A Destroying Wind'

-- by Dave Thus says Yahweh: Behold, I will raise up against Babylon and against them that dwell in the midst of them that rise up against me, a destroying wind.. [more...]

Date: 2008-06-01 16:01:07

LMT Focused on Shareholder Value – Analyst Blog

Lockheed Martin Corporation ( LMT ) is prudent in returning a substantial portion of its free cash flow to shareholders through share repurchases and incremental dividends. The company recently boosted its quarterly dividend by 10.5%, or 6 cents per-share. This took the quarterly dividend to 63 cents per share from the pre-existing dividend of 57 cents. The dividend is payable on Dec. 31, 2009 to shareholders of record as of Dec. 1, 2009. [more...]

Date: 2009-09-29 19:27:25

Debunking a Consumate Liar, Sen. Jon Kyl

Posted by AzBlueMeanie: On Sunday our local fish wrap, the Arizona Daily Star, turned over its opinion page to Arizona's "other" senator, Sen ... its report in 2008, A Feeble Recovery: The fundamental economic weaknesses of the 2001-07 expansion debunking this frequent conservative talking point. (This report was written before the National Bureau [more...]

Date: 2009-01-05 23:49:16

Why We All Need To Keep A Watchful Eye On What Is Happening In Greece

In view of Greece’s EMU membership, the availability of external financing is not a concern, ... Consultation - IMF Staff Report The above quited paragraph from the IMF is a very good example ... membership no longer gives an automatic guarantee of oncost-free external financing, and if you look [more...]

Date: 2008-12-14 15:01:19

Using a Secured Credit Card for Credit Repair

If you start missing payments on a credit card or loan, or — worse — your creditor sends one of your outstanding debts to a collection agent, ... can be freely issued to people with bad credit. Unfortunately, most of these cards will have yearly annual fees that regular credit cards are often free of. Once you have a secured credit card [more...]

Date: 2009-01-08 02:10:09

Debt Rattle, November 22 2008: Ordinary People

Timothy H. O'Sullivan Hero July 1863 John L. Burns, the 'old hero of Gettysburg,' with gun and crutches. Born ca ... , their effective net worth is negative, they have more debts than assets. This is the result of easy credit, used for anything from home and car purchases to all the gadgets and trinkets charged to their credit [more...]

Date: 2008-11-22 20:20:22

Thanks Bush: Worst year for jobs since '45

Annual loss biggest since end of World War II. Unemployment rate rises to 7.2%. #IEContainerR .cnnGenSidebarWidget .cnnWidgetHed { ... ahead Citi backs foreclosure prevention plan Jobs report knocks stocks Bonds rise on jobs report Where ... level in more than six decades.A sobering U.S. Labor Department jobs report Friday showed [more...]

Date: 2009-01-09 22:13:00

Microsoft

The Economist recently featured a cover photo of Bill Gates, the Chairman of Microsoft, since he is stepping down from his post and leaving Microsoft. Bill Gates is a larger-than-life figure because of his large foundation and his charitable works. However, while I am far from an expert on his non-work efforts, [more...]

Date: 2008-07-04 16:05:45

National taxpayer advocate

National taxpayer advocate urges tax simplification and compassionate treatment of taxpayers hit by recession WASHINGTON — National Taxpayer Advocate Nina E. Olson released her annual report, urging Congress to greatly simplify the tax ... bills. The report takes note of the serious financial difficulties facing many Americans in light [more...]

Date: 2009-01-07 22:00:47

Tips About Credit Repair

By Mike Carbeck Many people mistakenly believe that they only need to go through an agency, for any hope of credit repair ... in writing for a copy of your credit report (You are entitled to one free report per year) 2.) A copy ... from another agency, and are not eligible for a free yearly report, you could also receive a letter [more...]

Date: 2009-01-09 08:16:32

Sunshine, Lollipops, and Rainbows

I've written before, it does make me deeply uneasy that Chizik burned so many bridges on his way out of ISU, and the general (admittedly slanted) portrayal we've gotten a few places of Chizik being, I don't know, less than completely-and-utterly committed to the Cyclones' cause is also unsettling [more...]

Date: 2009-01-05 18:21:36

Baruch College’s Schwartz Institute Featured in Higher Education Magazine Change-’Improving Communication is Everyone’s Responsibility’ by Fara Warner

In 2003, Terrence Martell, a finance professor at the City University of New York’s Baruch College, ... markets and commodities trading. But when he asked them to write a report explaining to a commodity ... ’s problem. Their report noted that the “majority of the cohort did not recognize the role [more...]

Date: 2008-12-18 17:12:05

Inflation in Spades

by The Mogambo Guru The week was a bad one from start to finish, what with bonds selling off so much that, according to Barron's, " ... % Finished Goods report, but which didn't last but a second before we read that the Crude Goods index ... , the new "official" rate of annual inflation from the government's wonks is 4.2%, which makes me laugh [more...]

Date: 2008-06-26 20:51:50

Part II of Redrawing the Conservative Roadmap: the GOP's Image Problem

Before beginning Part II, a short recap of Part I should help focus the discussion. Last week, I proposed John Hawkins' "GOP brand promise" as an organizing set of principles: * Limited government. * Fiscal responsibility. * Low taxes. * Traditional values. * Law and order. * Clean government. * Personal responsibility [more...]

Date: 2008-11-19 01:47:44

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