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April 28, 2008
Credit Scoring Should Not Be Used In Determining The Price For Insurance Except For Bonding.
Analysis of: Credit Scoring | www.iii.org
Author: GLG Expert Contributor
Credit scoring further injures those applicants who have had very difficult changes in their lives- mostly by no fault of their own.
Mark MariottiApril 28, 2008
Rotation continues towards Internet commerce.
Analysis of: Internet Economy Looks Strong, Some Experts Say | www.cio.com
Author: Mark Mariotti, CEO, Future Management Holdings Inc
Many factors, such as; convenience,  better fraud protection, acceptance,  user interface improvements, peer reviews, dysfunctional brick and mortar stores, high transportation costs all contribute to the growth of Internet commerce. The list is very short which tracks products and services...
Kenneth EisnerApril 28, 2008
5 Reasons Why Voice is No Longer King (as this article has carelessly concluded)
Analysis of: CTIA: Mobile Data Use Up, But Voice Remains King | www.informationweek.com
Author: Kenneth Eisner, Principal, Eisner Consulting
Wireless researchers keep getting the voice to data point wrong, and they shouldn't still be making this mistake.  Consumers aren't using data because they have been given poor devices with poor interfaces, not because they wouldn't use the Internet or other data if the device was better. ...
Mark MariottiApril 28, 2008
Trading is a transaction based model
Analysis of: TD Ameritrade 2Q profit rises 32 percent on trading activity | biz.yahoo.com
Author: Mark Mariotti, CEO, Future Management Holdings Inc
Whether markets are up or down - if a trading company such as TD Ameritrade (merged from many different trading companies and platforms), Scottrade, Schwab, Knight, etc runs their business efficiently, trade volume effect growth.Seems that towards the end (long trade exits - short...
Rick SheaApril 28, 2008
Organic and Natural Food Growth Stalls with Increased Commodity Costs
Analysis of: Naturally,Super Valu Customers Want More Options | www.forbes.com
Author: Rick Shea, President, Shea Marketing Consulting Inc.
Increasing commodity costs are having a negative impact to the growth of organic and natural foods.As commodities increase consumers are being more selective and price sensitive in their grocery shopping.This trend does not bode well for retailers like Whole Foods (WFMI) and the manufacturers that...
Rick SheaApril 24, 2008
Apple's Superior Brand Strategy Leads to Strong Results
Analysis of: Apple's 2Q Results Beat Wall Street Views | biz.yahoo.com
Author: Rick Shea, President, Shea Marketing Consulting Inc.
Apple once again delivered very strong results in the face of hesitant consumers under recessionary pressures.Total revenue growth for the latest quarter was +36% led by the Mac brand in personal computers at +51%.The MP3 segment led by the I Pod brand delivered growth of +1% while the I-Phone...
April 24, 2008
Lessons from the American automobile industry OR how to increase traffic and go broke
Analysis of: Domino's, Pizza Hut square off over specials | pizzamarketplace.com
Author: Robert "Lee" Carroll, President and Operating Partner, Circle C Corporation
Cost of energy, commodities, labor, healthcare and capital continue to rise.  After watching the automobile industry discount itself into near ruin, companies should weigh carefully price wars that may stimulate traffic but push marginal units below profitability.
Kenneth EisnerApril 24, 2008
For WiMax's sake, Xohm must spin ASAP from Sprint and into more capable hands
Analysis of: WSJ: Comcast, Time Warner May Fund WiMax | biz.yahoo.com
Author: Kenneth Eisner, Principal, Eisner Consulting
The delay in Sprint's Xohm initiative is absolutely telling, telling that there are many problems with WiMax.  The truth is that the U.S. needs faster broadband speeds to compete with Japan and Europe, but I'm not sure if Sprint has the answer.  This article discusses some of the major problems,...
April 23, 2008
TRM Gets $11 Million Lifeline; Buys Rival "Access to Money"
Analysis of: BREAKING: TRM Buys ATM ISO Access to Money for $15 million | www.atmmarketplace.com
Author: Kamala Worthington, Former VP, Marketing Product Manager, Bank of America Corporation
TRM's $11 million "lifeline" from LC Capital Master Fund Ltd. helps the troubled ATM owner pay off its debts and gave TRM the seed money to acquire its rival, ATM deployer "Access to Money." When TRM acquired eFunds ATM Portfolio of 17,200 ATMs in 2004 for $150 million, TRM had over 22,000 ATMs and...
Kenneth EisnerApril 23, 2008
Google and RIvals will be Helped by Slow but Gigantic Surge to Online
Analysis of: Google Profit Rose 30%, Quelling Investor Fears | online.wsj.com
Author: Kenneth Eisner, Principal, Eisner Consulting
Comscore's absurd data caused a seismic roar in the media world, but it turned out that the data was awry, as it is unfortunately with all analytic firms.  Google's growth is relentless, as is the growth of all online.  This article looks at a few of the ways other companies can compete with...

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