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Mark MariottiApril 21, 2008
Steady Freddy... Fannie... Penny and the FHA
Analysis of: Mortgage applications up, FHA index climbs more | www.reuters.com
Author: Mark Mariotti, CEO, Future Management Holdings Inc
Current 'so called' mortgage metrics are not necessarially useful now or in the future. Ratios and numbers can always leave room for interpretaion and misdiagnosis.   Definately positive refi action is taking place for the strapped borrowers and principal committed investors; the GSE's should keep...
Martin BrillApril 21, 2008
Department Stores Must Upgrade Their Total Shopping Experience
Analysis of: Department Stores focus on Style | www.courierpostonline.com
Author: Martin Brill, Managing Partner, Sweetwater Consulting LLC
The entire department store segment is hurting right now, but those that improve their merchandising strategies , build their store brand though creative marketing and improve the shopping experience for their customers will emerge as market leaders once the economy turns around....
Mark MariottiApril 21, 2008
Firms like WaMu are pass-thru lenders. Ease investor anxiety NOW
Analysis of: WaMu Ditches the Wholesale Mortgage Biz | www.businessweek.com
Author: Mark Mariotti, CEO, Future Management Holdings Inc
a) Ease investor anxiety NOW   b) Secondary Mortgage Market Investors have been worried that recent data indicate a slowing economy, which would continue to cut into potential profit growth and actual principal at some of the nation's biggest mortgage companies, and portfolios.
Mark MariottiApril 17, 2008
Patterns and behaviors CHANGE - and then CHANGE again...
Analysis of: WaMu Ditches the Wholesale Mortgage Biz | www.businessweek.com
Author: Mark Mariotti, CEO, Future Management Holdings Inc
a) it does appear that the independent mortgage broker is going the way of the independent insurance agent and the independent fee based financial planner b) technlogy will be key in providing the independent mortgage broker, the acutal end-user (borrower) and actual owner-buyer-investor of...
Mark MariottiApril 17, 2008
Move compliance metrics to the front
Analysis of: Study: subprime crisis spurs lawsuits | money.cnn.com
Author: Mark Mariotti, CEO, Future Management Holdings Inc
a) existing federal, state amd municpal compliance check and balances exist b) move Rating Agency solutions to subprime mortgage losses in the large secondary market traunces into the origination systems & procedures
Martin BrillApril 17, 2008
A Few Well Merchandised Specialty Chains Buck The Negative Retail Tide.
Analysis of: Fighting Off the Chill: Retailers get Inventive To Combat Recession. WWD. | www.wwd.com
Author: Martin Brill, Managing Partner, Sweetwater Consulting LLC
Discount stores are not the only sector holding up well in what has been described as the worst retail apparel environment in the past twenty years.   Innovative specialty chains that know their customers well are moving forward with fresh assortments and new product categories that speak to their...
Kenneth EisnerApril 17, 2008
The U.S. is Falling Drastically Behind in Broadband Speed: Don't Let AT&T Fool (Lie to) You
Analysis of: Is Faster Access to the Internet Needed? | online.wsj.com
Author: Kenneth Eisner, Principal, Eisner Consulting
The U.S. has been drifting farther and farther behind Asia and Europe in broadband speed, and failure to innovate has been the punishment.  AT&T may have spent too much on their CapEx to make further investments, but that doesn't mean that consumers aren't ready and longing for the broadband...
April 14, 2008
So You Think Commodities Are An Issue...
Analysis of: World Bank echoes food cost alarm | news.bbc.co.uk
Author: Robert "Lee" Carroll, President and Operating Partner, Circle C Corporation
Food costs will continue to rise.  Demand for grains and protien will mirror demand for energy and other raw materials.  Restaurants feel the pain.  
April 14, 2008
Is The Media To Blame For Starbucks Loss Of Appeal
Analysis of: Starbucks New Strategy | topics.nytimes.com
Author: GLG Expert Contributor
Nearly very time you read an article about Starbucks, the media is always adding their nonfactual view on the overall health of the coffee giant. Just because competition comes to town, doesn't always mean they can survive the coffee giant's brand name. Closing down every coffee house to retrain every...
April 14, 2008
Will M&A Activity Flourish or Stall In 2008?
Analysis of: Fund Managers See Potential Bounce In M&A Activity | www.reuters.com
Author: Kamala Worthington, Former VP, Marketing Product Manager, Bank of America Corporation
Market volatility, lack of liquidity and banks' unwillingness to take on more risks has hampered global M&As activity in 1Q08. Global M&A deals have tumbled to a four year low from $962 billion down to $661 billion. The private equity sector which is known for "over the top" blockbuster deal...

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