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July 30, 2007
Pride Go Before The Fall
Analysis of: Countrywide profits fall 33% | www.inman.com
Author: James Butler, President, Rigley Financial Corporation
Countrywide's heavy reliance on its underwriting programs and steady appetite for Pay-Option ARM's has created havoc for its portfolio management team. Countrywide's belief that it was smarter than the Mortgage Industry has led to this situation, and we have only begun to see the impact.
July 2, 2007
Florida is not making auto insurance voluntary.
Analysis of: Will auto insurance become optional? | www.miamiherald.com
Author: GLG Expert Contributor
Florida is considering dropping the PIP coverage as a required coverage since claims under this coverage have a large amount of fraud associated with them that prior legislation has failed to correct. Despite the fraud component, there are many people that do get treatment in accordance with the original...
June 22, 2007
Is the sky falling?
Analysis of: Ills Deepen in Subprime-Bond Arena | online.wsj.com
Author: James Butler, President, Rigley Financial Corporation
The fallout from the subprime mortgage market has been continually underplayed by the Federal Reserve Chairman. However, as the hangover from the mortgage origination party begins to settle in, the long-term impact is being felt across the financial sectors, and not just exclusively within the Mortgage...
May 23, 2007
How FICO scores are used by mortgage lenders and why they don't use it correctly
Analysis of: Subprime Lenders Say FICO Failed | www.ocregister.com
Author: GLG Expert Contributor
The FICO score is not to blame for the current subprime meltdown.  Mortgage lenders have only to look in the mirror to find the reasons for the collapse.  Their use of credit scoring has never been as clean as its use from other lenders, such as the credit card issuers.
February 14, 2007
Management must avoid temptation
Analysis of: U.S. PEO Market Rebounds as Small Businesses Rally and Embrace HR Outsourcing, Says IDC | services.tekrati.com
Author: GLG Expert Contributor
- increased trends in PEO market among small businesses - evaluate implications of outsourcing model; increased cash flow
Jeanette PlowmanFebruary 12, 2007
PEOs Rebound with the Small Business Economy
Analysis of: U.S. PEO Market Rebounds as Small Businesses Rally and Embrace HR Outsourcing, Says IDC | services.tekrati.com
Author: Jeanette Plowman, Independent Consultant, Jeanette Plowman
Nearly 42 percent of small and mid-sized companies expect to expand their HR outsourcing, according to outsourcing advisers at Nelson Hall, reports BenefitNews.com.  PEOs can offer HR solutions tailored to small and midsized businesses in all industries.  Small business employers are...
Jeanette PlowmanJanuary 31, 2007
Outsourcing coming to Brazil?
Analysis of: Soccer, Samba and Outsourcing? | online.wsj.com
Author: Jeanette Plowman, Independent Consultant, Jeanette Plowman
In order for Brazil to capture as much as $10 billion in international outsourcing work by 2010, the country’s outsourcing industry will have to become very aggressive. While Brazil is not as cheap as India, wages in Brazil are still substantially lower than in the U.S.

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