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Mark MariottiMay 27, 2008
CHANGE for the better
Analysis of: MGAs Need To Prepare For Hard Market Now | www.propertyandcasualtyinsurancenews.com
Author: Mark Mariotti, CEO, Future Management Holdings Inc
MGA's can seek out better lines and Company deals. MGA's can seek out training to meet the changing demands. One very specific area an MGA can capitalize on is TECHNOLOGY.
Mark MariottiApril 29, 2008
If history teaches us anything... it teaches us NOT to predict the future.
Analysis of: Is now the time to aggressively buy semi stocks, i.e. is the bottom of the cycle near? | www.edn.com
Author: Mark Mariotti, CEO, Future Management Holdings Inc
But the future can be managed. We can look at the past cycles and then extrapolate forward potential probabilities. When markets contract, they can keep contracting to oblivion. But the probabilities of markets which are infrastructure tested, tried and true, tend to rebound. Demand growth and upgrades...
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...
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...
Mark MariottiApril 21, 2008
Congress changed the rules
Analysis of: Freddie to Finance Jumbo Loans | online.wsj.com
Author: Mark Mariotti, CEO, Future Management Holdings Inc
Freddie Mac (GSE - Government-Sponsored Enterprises) wastes no time and begins to finance $10 billion to $15 billion in jumbo mortgages from big lenders. This follows the actions of other GSE's to add liquidity into the real estate market. I sincerely believe that this effort will help to flatten...
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...
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...

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