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Cliff BellApril 22, 2008
Even in an economic downturn, technology gets obsoleted
Analysis of: Gadgets We Need - Necessities We Can Do Without | www.forbes.com
Author: Cliff Bell, Chief Information Officer, Infogain Corporation
1. The Darwinism of technology continues in economic hard times. 2. Today's hot gadget is tomorrow's paperweight and CIO's should look to prune un-needed equipment.
April 21, 2008
Nokia Versus Apple’s iPhone
Analysis of: Nokia Shares Slammed in Wake of Miss | www.smartmoney.com
Author: Paul Massie, Sr. Director of IT and Facilities, Genesis Microchip Inc.
In terms of volume the iPhone is indeed a “niche product” for Nokia.  However, the impact the iPhone is having on the handset market is much greater than its market share might indicate.  Nokia needs to address their steadily dropping US market share, although the iPhone is only one small...
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...
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
April 16, 2008
Google + Salesforce – Should Microsoft Worry?
Analysis of: Google, Salesforce.com Integrate Apps | www.redherring.com
Author: Paul Massie, Sr. Director of IT and Facilities, Genesis Microchip Inc.
The integration of Google Apps into Salesforce.com’s products can only help both companies, so it is certainly not going to help Microsoft.  On the other hand, this level of integration has been available for quite a while between Microsoft’s Outlook and ERP solutions, so it’s not likely to have...
April 8, 2008
New Windows in 2009?
Analysis of: Will Microsoft deliver Windows 7 next year? | www.infoworld.com
Author: Paul Massie, Sr. Director of IT and Facilities, Genesis Microchip Inc.
The best course for Microsoft is to release the next OS ahead of schedule and write Vista off as an interim step.  If Microsoft can get a solid Windows 7 released in the middle of 2009 they will retain their hold on the desktop market.  If not, they risk losing a large percentage of...
April 3, 2008
Sprint’s Long Road to Recovery
Analysis of: Sprint’s New Customer Retention Employee Incentive Plan | www.wirelessweek.com
Author: Tal Raeside, Managing Director, Insight Strategic Services
Sprint has never hit full stride since its Nextel acquisition in 2005, and its new CEO is making several changes in an attempt to put the company back on track.  The first few steps are on target but the company has a risky bet in WiMax and little margin for error with its operations.

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