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Art GillisOctober 20, 2008
There Are 814 Good Reasons For A Bank To Switch To A New Core System. One Is Usually Enough.
Analysis of: Despite Tons of Talk Banks Don't Upgrade | www.americanbanker.com
Author: Art Gillis, President, Computer Based Solutions, Inc.
As long as the de novo movement continues, there will be new core sales.  Last year, 39% of new core sales were to de novo banks. In my opinion, there are 1,280 FIs that are ripe for a better core system and the only way they’ll get it is if vendors commission Buffett/Gates sales types to make...
Mark MariottiOctober 14, 2008
Automotive industry competition, more not less
Analysis of: GM, Ford SharesHit New Lows As Sentiment Fades Further | online.wsj.com
Author: Mark Mariotti, CEO, Future Management Holdings Inc
More competition, not less is required within the automotive industry. Positive results will eventually be rewarded by a free market.
October 10, 2008
Why Buy The Cow when Milk is Cheap?
Analysis of: 2009 IT Enterprise Infrastructure Spending | fitceo.blogspot.com
Author: GLG Expert Contributor
2009 is going to be a time where businesses will have to do some real belt-tightening. To do that, businesses will have to cut their largest costs and their cost base. To do that, businesses will have to sharpen their pencil regarding staff costs, and capital expenditures.
October 1, 2008
Bet on Apple
Analysis of: Apple falls on consumer spending fears | www.ft.com
Author: GLG Expert Contributor
Analysts have downgraded Apple this week on consumer spending fears. Instead, they should be predicting an increase in Apple's market share, while other formerly ascendant players decline.
September 29, 2008
WAMU CLOSED: SOLD TO JP MORGAN CHASE FOR $1.9 BILLION
Analysis of: WaMu Becomes Biggest Bank to Fail In US History | news.yahoo.com
Author: Kamala Worthington, Former VP, Marketing Product Manager, Bank of America Corporation
Rumors had been swirling over the last few weeks that WAMU was shopping for a buyer, however, the OTS (the Office of Thrift Supervision) couldn't allow WAMU to continue its operations under constraints of deposit outflows exceeding $16 billion in the last week or so and JP Morgan Chase becomes the benefactor...
September 24, 2008
Providing Liquidity is like a Botox injection!
Analysis of: Fed, ECB pump billions into money markets | biz.yahoo.com
Author: GLG Expert Contributor
For the Fed and other authorities to start pumping billions into the markets to provide liquidity only gives an artificial smoothing for a short while before it is required again. In essence the problem lies with regulation which is shortsighted, has tunnel vision and is inspired by the appetite for...
September 22, 2008
How to fix the Economy (without it costing too much)
Analysis of: Will the Levee Break? An Ocean of Bad Debt Rises despite Fed Rescues | knowledge.wharton.upenn.edu
Author: James Butler, President, Rigley Financial Corporation
The recently proposed bailout was an inevitable solution to a ever-growing problem. The $800B will be the most costly endevour by the U.S. government since The New Deal proposal from the Great Depression. The key to the issue at-hand is two fold: first, the stabilization of the real estate prices....
Mark MariottiSeptember 15, 2008
Southern California Mortgage Lending Rates Drop
Analysis of: Mortgage market improves with new market-leading deals | www.timesonline.co.uk
Author: Mark Mariotti, CEO, Future Management Holdings Inc
Effective immediately after the Fannie/Freddie take over, the DITECH origination service of Cerberus' GMAC Financial Services launched a television campaign to offer 5.5% interest rate mortgage loans.
Mark MariottiSeptember 15, 2008
The Bear Sterns Equity Strip Model
Analysis of: Lehman Brothers faces Korean takeover bid | www.timesonline.co.uk
Author: Mark Mariotti, CEO, Future Management Holdings Inc
Unlikely that a suitor firm will take over Lehman directly by itself without assistance, perks or partners. As you may recall Bear Stearns in a similar situation, and remember that the Feds had to lend and assist JP Morgan with the acquisition.
September 15, 2008
What will IT Spend buy?
Analysis of: IT spend to touch $110 bn by 2012, says Gartner | www.business-standard.com
Author: GLG Expert Contributor
In the coming years, whole computing concepts may change so radically that elements assumed to be ubiquitous, like mice, keyboards, and flat panel monitors, could well vanish entirely. Moreso than ever before, how quickly these changes occur will depend on Madison Avenue. There are increasing...

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