Analysis of:
S&P Raises Charles Schwab Ratings 1 Notch, Expects Brokerage to Weather Market Downturns (biz.yahoo.com)
Implcations: 1.An influx of NEW assets by NEW and Existing clients. 2.This influx could not stop a fall in the Price per Share. 3. Conversely, the S & P Ratings of the Institution have Risen. 4.A General Strengthening of the of the Brokerage's Market Position. 5.The Outlook Position revision to...
Analysis of:
National Mortgage Servicing Conference & Expo (events.mortgagebankers.org)
Implications: 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...
Analysis of:
XL Reports $1B Net Income Loss (www.propertyandcasualtyinsurancenews.com)
Implications: 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...
Analysis of:
ACA wins more time from trading partners (www.ft.com)
Implications: 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...
Analysis of:
Beyond Payday Loans (online.wsj.com)
Implications: 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...
Analysis of:
Collapse of the Subprime Mortgage Market Shines Spotlight on Risk Management and RiskMetrics (biz.yahoo.com)
Implications: 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....
Analysis of:
Credit unions join mobile banking bandwagon (news.moneycentral.msn.com)
Implications: 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...
Analysis of:
Citi turns attention to devastated consumer unit (www.marketwatch.com)
Implications:
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....
Analysis of:
Credit crisis: £2bn fund bars withdrawals (www.thisismoney.co.uk)
Implications: 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...
Analysis of:
U.S. Reinsurance Renewal Rates Down 10%: Guy Carpenter (www.propertyandcasualtyinsurancenews.com)
Implications: 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....