GLG News by Individual Life Insurance Brokers

Implications: 1.Bank losses are a severe restriction on lending practices of Financial Institutions. 2.Severe Financial and Economic damage to corporations and the individual consumer as delinquencies on home and commercial loans rise. 3.Many U.S banking institutions , now have, a substantial deteriortion...

Imlpications: 1.An appearance of the Lack of Economic Growth Opportunities in the Domestic Markerplace has caused a drop in premiums and, hence, profits. 2.The two (2) salient issues the demographic changes in population and economic growth. 3.A rapidly aging in the country's population may be the motivating...

Implications: 1.The Causation of further losses : the Sub-prime Mortgage Crisis. 2.A Major change in Management to salvage the Net Losses of the Shareholder. 3.Net Money Outflows far exceed Cash Inflows - the Ultimate affect is Major Write-Downs by the Insitution. 4.Causation: Deterioration of...

Implications: 1.Safe Investments will provide Preservation of Capital but, provide a Low Rate of Return - Trade Off as it relates to Risk. 2.Recessionary pressures are , likely, to remain unstable. It is a question of Risk vs Reward. Safety is an option for the Investor. 3.Causation - the Federal Government...

The current market turmoil was created by good old fashion greed.  However, it can not be fixed with over regulation, it can be fixed with common sense and a true willingness of both parties, the consumer and the lender to participate in the increased risk of lending that is now prevalant...

Implications: 1.Many Regional Financial Institutions have reported similar losses and a Plan for Re-Capitalization. 2. Poor results causation: A. Stock Market Volatility, B.The Credit Crisis and, C. Weakness in the Housing Market. 3.The ESTIMATES , so state, that the sub-prime matter is 75 % to 85 ...

Implications: 1. Advantageous Strategic Positioning For Target's Credit Card Portfolio by transferring the "Risk" , while maintaining "Control" of operations. 2.Potential Up-Side to JP Morgan is a controlling strategy, which allow the Investment Bank to intervene at an undeclosed breakpoint - take control...

Implications: 1.The Up-Side of Bank Of America walking away from the Deal - a positive Earnings per Share Ratio for Shareholders.A potential positive savings of the current staus: 2.0% to 9.0%. 2.One other Up-Side - Eliminate a remote possibilty of having to raise additional Capital and maintain an...

Implications: 1.Severe downturn in the housing market and credit-related charges require an Increase in Reserves as a cushion for possible losses. 2.A windfall in the housing boom market reverses the direction of the Institution: Profitability becomes a hugh loss burden. 3.Forecasts DO NOT meet Earnings...

Implications: 1.A "Buy from a Hold" target price? Expectations are high and , perhaps, enhanced speculation. 2.The basis of formulation is a cut in dividends to the shareholder and common/preferred stock offerings.Liquidity is non-existent! 3.Commercial Losses are "Reasonable"?.Due Diligence must be...