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GLG News by this Author

Risky Loans:A decision to Complete a Deal?

September 17, 2007

Analysis of:Banks delay sale of First Data loan | www.ft.com

1. A hugh loan package Of over 16bn is EXPECTED to be sold to Investors. 2.Highly-leveraged Finanacial activity is exceptionally difficult with the marketplace in complete turmoil. 3.Covenants, Conditions and Concessions for the transaction appear to be unlikely. 3.Higher Interests rates and payments are a likely consequence. 4.Lower projected ROI returns are inevitable. 5.The Price of the Transaction must be lowered.

Off Balance Sheet Financing: Hazardous for the Banking Industry!

September 3, 2007

Analysis of:"Conduits" in need of a fix | online.wsj.com

1.Disclosure by Banking Institutions pose a threat to both the domestic and International Marketplace - the continuous fall in Earnings and Stock Prices. 2. Banking clients do not have the luxury of having their asstes , such as securities and receivables , churned into cash to preserve banking liquidity. 3.The taking of consumer credit card receivables to create collateral and, in sequence, selling the same as commercial securitization to private investors , clearly, violates the public trust, corporate ethics and responsibility. 4. Promotes the infux of SHORT TERM investments , which is not in the best interest of the domestic and international economic scenerio.

Expectations: Interest Policy and Strategy!

September 3, 2007

Analysis of:Bernanke offers no signal on rate cut | www.ft.com

1. In ability to create Financial Stability is in conflict with market confidence. 2. A recession fears will continue to grow, while the Federal Reserve is trying to control inflation. 3. Falling asset prices and restricted interest rate - credit conditions will have an adverse reaction  to savings and investments. 4.Rate-cutting and similar strategies encourage reckless investment policy by individuals and institutions. 5.There is a general "perception" that the Federal Government's power is eroding.

Capital One: Green Point - How to deal with a Subprime Mortgage Base and Earnings!

August 22, 2007

Analysis of:Capital One to Close Its GreenPoint Unit | online.wsj.com

1. The credit markets weaken and management is concerned about earnings. 2.Investors revolt and are very concerned about the nonconforming residential/commercial mortgage marketplace. 3.Capital One is, primarily, a credit card company and not a mortgage banker. 4.The Firm's inability to deal with the shutdown due to distressed creditworthiness of the general public and business. 5.The housing market has been inflated for years - no one has taken note of the same or are "aware"? 6. A materially volital housing/mortgage market place may require government assistance for survival.

Salvation of the Financial Markets - Discount/Interest Rates!

August 20, 2007

Analysis of:Fed Cuts Discount Rate to 5.75% to Ease Credit Crunch | www.bloomberg.com

1. Concerns of an entire Global Financial Market Place slowdown will, shortly, become a reality. 2.A Consequence:A lower or fewer slide in imports due to concerns related to the US credit problems may tend to hurt exporters in the Asian Market Place. 3.World wide concerns over economic problems caused by credit related issues will have a dramatic effect upon ALL emerging markets - the results are still unqualified. 4.Salient issues are the subprime credit problems, lower housing prices and extensive controls over lending standards. 5.A major selloff in the overseas stock/commodities markets is , now, a reality.

Easing The Money Supply - Borrowing and Liquidity.

August 20, 2007

Analysis of:Fed Cuts Discount Rate to 5.75% to Ease Credit Crunch | www.bloomberg.com

1. A reduction in interest rates MAY threaten the macro - economic value -added to the country. 2. The outcome is likely to cause a major disruption in the Financial Market Place. 3.The central bank and/or governmental agencies are attempting to take control/aid the capitalist based economy. 4. Encouraging banks to borrow may, indeed, lead to further economic,world wide negative implcations for all international and domestic financial institutions.

International Implications of U.S. Housing Markets

August 10, 2007

Analysis of:So Far, U.S. Housing Woes Only Singe Asia | www.businessweek.com

1. There are economic risks in the US  Financial Market place due to the housing market. 2. A large number of US Corporations have diverted their investments to Foriegn Operations. 3. A combination of a weaker dollar and this diversion of investments into foreign/international markets have extensive benefit to the US Corporate culture. 4.There , now, is a Financial Balance because of Foriegn Financial Divestiture. 5. There is no over reaction - just a natuaral course of events.

Default: Mortgage or Consumer Credit

August 9, 2007

Analysis of:The Debt-Ometers: How to Read the Sub-prime and Other Consumer-Loan Dials | online.wsj.com

1. There is a current bias toward higher interest rates; that might have a dramatic affect of credit cards. Mortgage rates are at least fixed in the short term. 2.Correction in the home mortgage market will continue to be of concern , in particular to the reckless investor. 3.The banking community is reluctant to foreclose and the average consumer has a value - added in maintaining their credit card interest rates stable:enablement of their purchasing power to sustain their current standard of living.

Debt to Equity Ratio: Corporate and Individual

July 30, 2007

Analysis of:Bye-bye easy LBOs, says bond guru Bill Gross | www.financialweek.com

1. The D/E ratio for both financial institutions and individuals is the highest in at least a century. 2. The subprime market is not a grounding entity for support of debt!  3. The combination of the housing market and fluctuations in interest rates without leadership will have a monumental affect on the overall economy. 4. The market's level for debt is at an all time high. That concept applies to boh institutions and individuals. 5. Credit reporting agencies are useless. They report changes after the fact.One cannot make accurate predictions about the future with the information. 6. The new level of debt will be an encumbrance on the market place.

Subprime and Fear/Hostility - Financial Marketplace

July 23, 2007

Analysis of:Subprime Losses Could Cost $100 Billion | newsmax.com

1. Fears of credit demands create heightened Sipervision. 2.Substantial impact if defaults on loans rise. 3.Tightening of credit will be the ultimate exposure to the marketplace. 4.Inestors in the marketplace have become intimitated by the disclosures.

Subprime Mortgage Market: Risk for Investors!

July 16, 2007

Analysis of:CDOs Are Hit With Fallout From Laxity With Subprimes | online.wsj.com

1. Subprime Mortgage Market is a threat to both the Broker/Dealer and Individual Investor marketplace. 2.Many Broker/Dealers will be under close supervision by the Regulatory Entities , as a matter of cause, for their Selling Practices. 3. The investing public is, now, subject to the loss of Capital and Income. 4. In many cases , the issue of "Fraud' will arise and accusations of the same will cause irreputable harm.

Private Equity vs Shareholder Equity - The key to Survival of the MarketPlace!

July 12, 2007

Analysis of:The business of making money | www.economist.com

1. Private Equity is much more , readibly, available , than Shareholder Equity. 2.The salient issue at hand - Private Equity is the future of the economy.Regulatory authority is minimized. 3. A sizable reduction in legal costs: Private Equity will not be as scrutinized by the authorities as would be the case for Shareholder Equity. 4.Private Equity is not traded in the same manner as Publically traded STOCK!

Banking and the Subprime Mortgage Market

July 9, 2007

Analysis of:Day to day doubts led to end of UBS Chief | www.ft.com

1. The Banking Industry has been Bundling Subprime Mortgages with a Hedge Fund , which is a Securities Vehicle! 2. The Banking Industry is transfering the RISK of Subprime Mortgages without hesitation  and attempting the SALE to  Money Managers and the General Public without validation or due diligence of the vehicles - Mortgages. 3.There are both Federal and State guidelines that MANDATE this type of transfer/sale. 4. It is  Corporate Responsibilty and Ethics , which establish the guidlines not a particular Individual!

Loss of Revenues: Auto Insurance is NO longer REQUIRED???

June 26, 2007

Analysis of:Will auto insurance become optional? | www.miamiherald.com

1. Liabilty auotomoble is an absolute necessity! 2. Most residents in Florida SHOULD NOT be driving. Age deflects ability to drive with PRECISION! 3.The state will have to assume the liabilty exposure, in particular, Personal Injury. 4. If the state DOES assume the liabilty - the right of recourse should be required by LAW to be assumed by  the remaining FAMILY members. 5. Property Damage costs will be momnumental and the rating structure of the Insurance Company/State will have to be shared universally!

Risk of a Bank Spin Off

June 18, 2007

Analysis of:Morgan Stanley to Spin Off Discover in June | money.cnn.com

Key Impications: 1. Fear of the Regulatory Environment - An Investment Banking firm has treayed from it's core compentency by involvement in the consumer banking business. 2 Legal Envirinment: The Investment bank is "at risk" in dealing with the retail consumer. 3. Financial Market Place: The Investment Bank MUST re-allocate it's resourses. 4. They must serve Either the retail or Industrial Consumer.

International Banking in-market Strategies: Myth

June 4, 2007

Analysis of:RBS group outlines Euro 7.1 bn offer for ABN Amro | www.ft.com

1. Importance - World -wide turbulance within the Financial Marketplace. 2. A Forensic examination of the implications MUST be complete. The implication is to delinate Consumer Choice. 3.No comment has been made that relates to the Value-added to the World-wide dominance of either one (1) or two (2) "Players in the Game" and the related consequences to all countries and the very nature of thr business environment. 4. The salient issue: CONTROL by a Few not the Majority.

"Will foreign Delegates be receptive to the re-distribution of Wealth"

May 29, 2007

Analysis of:Sovereign Wealth Funds are Muscling In On Global Markets | www.ft.com

1. The Destabilization of specific Global Financial Markets will provide No value-added to the general wealth of any foreign nation. 2. Companies are allowed to do the same , because of the lack of local Laws and Regulation. 3. Inadequate accounting/financial discolsure rules form a sound basis for Fraud. 4. International Wealth distribution is essential for the Foundation of both On-shore and Off-shore Companies and the welfare of the General Public Financial System.

Return ON Investment vs Return OF Investment

May 21, 2007

Analysis of:UniCredit buys Capitalia for Euro22bn | www.ft.com

IMPORTANCE: 1.The cost of achieving their goal will far outweigh the benefit. 2.Growth SHOULD be sustained by a revenue stream not purchase. 3. Short term gain as it relates to Return ON Investment and probable cause for no Return OF Investment.

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