February 18, 2008
Key Industry Issues: Addressed in a Changing Marketplace
Analysis of:
National Mortgage Servicing Conference & Expo | events.mortgagebankers.orgAuthor: GLG Expert ContributorImplications: 1.The Value of Preservation and the Enduring difficulties in a down turn of the Marketpkace. 2.All industry pers may attend and should include mortgage services, attorneys, default managers and customer service management. 3.The Purpose: "Awareness" of all current Market conditions. 4.Operational...
February 18, 2008
Write-down Charges: CREDIT MARKET INSURERS
Analysis of:
XL Reports $1B Net Income Loss | www.propertyandcasualtyinsurancenews.comAuthor: GLG Expert ContributorImplications: 1.A loss to both Net Income and Revenues reach the Billions Mark. 2.A further deterioration og the combined Income to Revenues is very likely to continue. 4.It is entirely possible that an additional charge may have to be absorbed at the year end audit and become a major obstacle for the...
January 31, 2008
Stabilization of Capital Position.
Analysis of:
ACA wins more time from trading partners | www.ft.comAuthor: GLG Expert ContributorImplications: 1.Ability of claims-paying base is not in sequence with corporate and mortgage debt securities. 2.Bond Insurers: MBIA and AMBAC value basis of shares have fallen. 3.A Waiver of all collateral requirements has or may not be effective. 4.A massive sell-off of all asset-based collateralised...
January 28, 2008
Payday Loans: New Rules
Analysis of:
Beyond Payday Loans | online.wsj.comAuthor: GLG Expert ContributorImplications: 1.Higher fees for paycheck pay-out and high-priced loan repayments are, now, a disaster for the general public. 2. Financial Institutions gauge the public with insurmountable fees. 3.Thousands of dollars will be paid by the consumer for churning the salary into cash. 4.Responsible consumer...
January 25, 2008
Risk Metrics: An Alternative
Analysis of:
Collapse of the Subprime Mortgage Market Shines Spotlight on Risk Management and RiskMetrics | biz.yahoo.comAuthor: GLG Expert ContributorImplications: 1.Global Financial Markets - provision of risk management and corporate services by way of research. 2.Adequacy of data is imperative. 3.Appeal appears to be to benefits derived from a broadre market trend. 4.The PRIMARY focus - Corporate Governance Practices. A value - added proposition....
January 24, 2008
Mobile Banking: Enhance Consumer Financial Transactions
Analysis of:
Credit unions join mobile banking bandwagon | news.moneycentral.msn.comAuthor: GLG Expert ContributorImplications: 1.Major thrust in building customer membership. 2.It is expected that the service will provide real-time savings and credit card information. 3.Security of access is a major challenge. 4.The development of a financial platform for delivery of payment services. 5.Customerization will be...
January 22, 2008
Consumer Credit: Hugh Losses
Analysis of:
Citi turns attention to devastated consumer unit | www.marketwatch.comAuthor: GLG Expert ContributorImplications:
1. Rising Consumer defaults, Rising Energy costs, Higher Unemployment - Financial Crisis.
2.Share holder Earnings will suffer a hugh loss and, further , weaken
the economy.
3.This financial activity will enforce the insitution to activate many other
sell-offs of economic units.
4....
January 21, 2008
Global Credit Crunch: Cash Withdrawals
Analysis of:
Credit crisis: £2bn fund bars withdrawals | www.thisismoney.co.ukAuthor: GLG Expert ContributorImplications: 1.Small investors will be unable to liquidate their cas position. 2.Customer withdrawals are at a significantly hugher level. 3.Regulator protection is crucial to success. 4.There is a very clear distinction between short term investors and long term investors in the marketplace. 5.Fears...
January 18, 2008
Excess Supply: Strong Profits - Low Losses.
Analysis of:
U.S. Reinsurance Renewal Rates Down 10%: Guy Carpenter | www.propertyandcasualtyinsurancenews.comAuthor: GLG Expert ContributorImplications: 1.Renewals of reinsurance contracts - buyers market. 2.A downward trend in rates is predicted for the U.S. and the European markets. 3.A hugh lack of catastrophic losses in many coverage areas caused a softening marketplace. 4.Complacency should not prevail in this business arena....
January 16, 2008
Bank Reserves: Required - Huge Writedowns
Analysis of:
Banks' Dim 4Q Results Roll in Next Week | biz.yahoo.comAuthor: GLG Expert ContributorImplications: 1.Empoyee layoffs are a casuality. 2.Raising Capital is of a critical importance. 3.Writedowns of multi-billion portfolios is a direct causation. 4.Dividend cuts will provide a worst-case situation for the individual investor. 5.Loan-loss reserves must be enhanced to brace for a major...