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Derivatives tripped up regulators: Geithner
in Sox First, on July 11, 2009
...
Treasury Secretary Timothy Geithner is pushing the Obama administration's plans to regulate the exotic and opaque derivatives market, something that's long overdue. Let's face it, th...
The new carbon bubble
in Sox First, on July 11, 2009
...the bubble happening, governments need to move now with pre-emptive laws and regulations. The Obama administration has vowed to clean up Wall Street. It should also look at the carbon market....
Do you still have faith in Obama's stimulus plans?
in The Mortgage Roadmap, on July 10, 2009
... knew, too, that things weren't magically going to get better because we had a new presidential administration.
Unfortunately, I was right. The national unemployment rate is stuck at 9.5 percent,...
Los Angeles leads nation in mortgage fraud
in The Mortgage Roadmap, on July 8, 2009
...uity.
Another popular scheme involves groups using straw buyers to default purposely on a mortgage loan. The group then buys the property at a deep discount from a mortgage lender through a short sal...
Apple's lack of enterprise ambition
in The CIO Weblog, on July 8, 2009
...he device and has actively courted enterprise admins, if not CIOs, with a host of changes to make administration and integration easier and better.
All of this iPhone goodness is starting to open e...
Beware loan-modification scams
in The Mortgage Roadmap, on July 7, 2009
...try this one published yesterday by the Los Angeles Times. It details the devastating effects that loan-modification scammers can have on their victims.
The Times' story details the plight of a ...
Taking out a mortgage loan without going mad
in The Mortgage Roadmap, on July 6, 2009
...There's one secret to taking out a mortgage loan without losing your mind: Don't obsess over those mortgage interest rates.
Unfortunately, this is the one piece of advice very few borrowers l...
Another stimulus package
in Sox First, on July 6, 2009
...not surprising then to read Vice President Joe Biden telling George Stephanopoulos that the Obama administration had misread the economy. They actually thought it was better than it really was. The ...
Neverland's future: up for grabs
in Sox First, on July 4, 2009
...towards bankruptcy. He was believed to be paying 20% debt interest on approximately $270 million in loans or roughly $54 million per year and with insufficient income, he was sinking deeper into debt....
It's getting tougher to get a mortgage-broker license
in The Mortgage Roadmap, on July 2, 2009
...ll far below where they stood just one year ago. Getting clients today isn't nearly as easy for loan officers. During the housing boom years, they could wait for their phones to ring with new busi...
Are you ready for a mortgage loan?
in The Mortgage Roadmap, on July 1, 2009
...ot;yes" to any of these questions, you might not be ready to own a home. Taking out a mortgage loan is a big financial responsibility. You have to make these payments on time. At the same time, y...
Is plain vanilla the right goal?
in The Mortgage Roadmap, on June 30, 2009
...gage lenders would have to offer customers what Obama is calling "plain vanilla" mortgage loan products alongside more complex mortgage options.
The goal here is to make sure that consumers...
Would you walk away from your mortgage loan?
in The Mortgage Roadmap, on June 29, 2009
If your home lost half of its value — not too unbelievable of an occurrence in today's housing market — would you be willing to simply walk away from your mortgage? Would you have any qualms about not making that monthly payment and simply leaving your house behind?
Surprisingly, a ...
Michael Jackson's debt legacy
in Sox First, on June 26, 2009
...Journal tells us, he left this world with $500 million in debt after defaulting on a $24.5 million loan backed by Neverland. A big chunk of this debt was a $200 million loan secured against his bigge...
Don't believe the homeownership hype
in The Mortgage Roadmap, on June 24, 2009
...imple reason for this: Homes aren't as good of an investment as real estate agents and mortgage loan officers make them out to be.
Yes, homes historically have risen in value. There's no deny...
Can Wind Power Make a Profit?
in IfEnergy, on June 23, 2009
...ng that the juice would be worth $30,000 a year. It's hard to cover the interest on a $500,000 loan with a $30,000 annual payback. It's not an unusual example.
One solution no one likes to t...
Beware of loan-modification scams
in The Mortgage Roadmap, on June 21, 2009
... of housing foreclosures across the nation continue to rise, something else is on the upswing, too: loan-modification scams.
The scammers target homeowners who have fallen behind in their mortgage pa...
US Immigration Overhaul "Essential"
in Global Mobility Report, on June 20, 2009
... © jurvetson
The Obama Administration made it clear this week that overhauling the immigration system in the U.S. is a priority for his administration. Obama told the Esperanza National Hispani...
Recession drawing to an end. So what?
in Sox First, on June 20, 2009
... out of China and India and higher taxes to pay for health costs and stimulus policies of the Obama administration. Yes, the economy will be out of recession. But for many investors and ordinary inco...
CIA recruits bankers
in Sox First, on June 19, 2009
...ot;. "Candidates with a bachelor's or master's degree in economics, finance, business administration, international management, or economic crimes management or a related area, with a st...
A new wave of mortgage foreclosures on the way?
in The Mortgage Roadmap, on June 18, 2009
...omeowners who during the housing boom took out option adjustable rate mortgages . In these type of loans, borrowers can decide to pay less than what their monthly balance is. The difference is simply...
Climate change impacts
in Sox First, on June 18, 2009
...quot;The American Clean Energy and Security Act of 2009" now going before Congress, the Obama Administration has released a timely report on climate change , designed to warn Americans about th...
Does Obama's patchwork overhaul go far enough?
in Sox First, on June 18, 2009
...y do nothing to stop the power of the lobbyists who will try to kill the package. And secondly, the administration has done nothing to pull the ratings agencies, which caused the problem in the first ... ...firms to carry more capital to guard against losses. They will also have to retain a portion of the loans they package and sell. Another move will impose stricter rules on all those once-lucrative, an...
Does owning a home have to be the American Dream?
in The Mortgage Roadmap, on June 17, 2009
...ing is a far better option.
The government, too, is complicit in this. During the Clinton and Bush administrations, the homeownership rate in the country soared past 70 percent. That's way too hi... ... and bought homes that were too expensive for them. Mortgage lenders were lazy, and passed out home loans to people who clearly couldn't pay them back. Real estate agents didn't do enough to d...
How'd the mortgage meltdown happen? NPR knows
in The Mortgage Roadmap, on June 15, 2009
...where you can learn everything you ever wanted to know — and then some — about mortgage loans, bad lending practices, subprime mortgages and the reasons why the mortgage industry went so w...
Drug pushing Eli Lilly
in Sox First, on June 13, 2009
...suit. Eli Lilly started doing this four years after it sent study results to the U.S. Food and Drug Administration showing Zyprexa didn't alleviate dementia symptoms in older patients. Just as al...
Want a better credit score? Manage your money
in The Mortgage Roadmap, on June 12, 2009
...r most, though, the credit score is the key to determining whether they will qualify for a mortgage loan.
Lenders want to see a high credit score — a numerical figure that encapsulates borrower...
ROI metrics for SOA
in The CIO Weblog, on June 11, 2009
...tter, which gets back to my original point. Are you going to attribute all your decrease in process administration costs to the SOA implementation? How do you single out what SOA contributes versus ot...
Is it time to refinance your mortgage?
in The Mortgage Roadmap, on June 10, 2009
... resulted in lower mortgage interest rates. That means it's a good time to refinance a mortgage loan.
Of course, even with low interest rates, refinancing doesn't make sense for everyone. CNN...
PCAOB chairman Mark Olson quits. What now for Sarbanes-Oxley?
in Sox First, on June 9, 2009
... appointed by former Securities and Exchange Commission chief Christopher Cox. He is gone and a new administration and agenda is in place. So his departure is timely. The more interesting question is...
Are reverse mortgages the next trouble spot?
in The Mortgage Roadmap, on June 8, 2009
...s for more than a decade now.
I can see why others, though, might listen intently to what mortgage loan officers tell them. Say you're a first-time home buyer. You're undoubtedly thrilled and...
Wells Fargo accused of pushing bad loans on African-Americans
in The Mortgage Roadmap, on June 8, 2009
...
Whenever I tell people that borrowers shouldn't always be blamed for the bad mortgage loans that they take out, I get sneers. These borrowers should have done their homework before taking out...
A Cybersecurity Czar
in Bizinformer, on June 6, 2009
...ources ( Wired , Venture Beat ) commented last week on President Obama's announcement that his administration will create a cybersecurity czar. Most saw the action as a positive step. And among t...
What next for GM?
in Sox First, on June 4, 2009
...65 billion in taxpayers' money is all part of the subterfuge. Instead of being handed over as a loan, it's money converted into an illiquid 60% stake in the car maker. And this is where the pr...
Mortgage delinquencies not slowing
in The Mortgage Roadmap, on June 2, 2009
...ng payments or struggling to make them. Your lender is much more likely to want to restructure your loan terms than watch you slowly lose your grip on your home. Remember, losing your home doesn't...
Be honest with your finances before taking on a mortgage
in The Mortgage Roadmap, on June 2, 2009
...f the biggest factors? Borrowers weren't honest with themselves before taking on their mortgage loans.
A mortgage loan is a huge responsibility. For most people, it's the biggest monthly expe...
Even Hollywood hates mortgage loan officers these days
in The Mortgage Roadmap, on June 1, 2009
...i, received mixed reviews last week. But it certainly can't be the critical darling of mortgage loan officers.
That's because the star of the film, the person being dragged to Hell, is a mort...
Alienware Invades with New M17x Notebook
in Wangtam, on May 30, 2009
...o Be Terrified of Google Wave
• Google's Top Policy Executive to Join Obama Administration
• Microsoft: No more three-app limit in Windows 7 Starter Edition
• Palm Pre Review
• A glimpse a...
A Week With the 2010 Subaru Impreza 5-door Proves Hatchback Superiority
in carzz.org, on May 28, 2009
...mm" effect) which can improve both economy and performance.
Thanks to Subaru Canada for the loan of this vehicle, which included an extra-cost Sports Package. Our American friends can learn m...
Mortgage interest rates went up. Don't panic!
in The Mortgage Roadmap, on May 28, 2009
...interest rates rose this week. According to Bankrate.com , the average 30-year fixed-rate mortgage loan carried an interest rate of 5.45 percent. That's up from 5.24 percent a week ago.
Rates ro...
Is your credit score falling?
in The Mortgage Roadmap, on May 27, 2009
...
There's one number that means more than all the rest when you're applying for a mortgage loan: your credit score.
Also known as your FICO score, this number condenses your history of payin...
You can lower your mortgage interest rate -- BEFORE you take out that loan
in The Mortgage Roadmap, on May 25, 2009
...
The average mortgage interest rate on a 30-year fixed-rate mortgage loan last week was still below 5 percent. Historically, that's an amazing rate.
That doesn't mean, though, that there...
Obama Administration Targets Employers with Immigration Enforcement
in Global Mobility Report, on May 22, 2009
...e in the US this year. But BusinessWeek just published an article that start with this: The Obama Administration plans to intensify efforts begun under the Bush Administration to crack down on compa...
How low will interest rates go? Who knows?
in The Mortgage Roadmap, on May 22, 2009
...Applying for a mortgage loan — whether it's a new loan or a refinance — sometimes feels like a big gamble.
Interest rates on the 30-year fixed-rate mortgage loan may stand at 5.1 perc...
Merced County California Looking for Entrepreneurs
in TJ's Weblog, on May 21, 2009
...nt Corp. (MCEDCO) are working with individual city economic developers and the local Small Business Administration outpost to provide support and advisory services for small companies and startups. So... ... Agency, which works in the western area of Merced County, are able to provide some microenterprise loans of up to $50,000 to help people start businesses. Small business operations run by entrepreneu...
The refi money is still flowing
in The Mortgage Roadmap, on May 21, 2009
...at have resulted in lower mortgage interest rates.
This means that buyers who qualify for mortgage loans at an interest rate at or slightly below 5 percent — not unusual these days for a 30-yea...
How bad is the housing market? That depends
in The Mortgage Roadmap, on May 19, 2009
...
So you're looking to buy a home. You're interested in a mortgage loan. But you're wondering: You've heard some good news recently regarding the U.S. housing market. Has a recovery...
Will federal mortgage loan assistance hurt your credit rating?
in The Mortgage Roadmap, on May 18, 2009
...ew Making Home Affordable program — which lets homeowners refinance their existing mortgage loans or modify them to make their payments more affordable — might be a blessing.
The feder...
Times' reporter's story a reminder: It's easy to fall into foreclosure nightmare
in The Mortgage Roadmap, on May 15, 2009
...y tell me that they're frustrated that homeowners who were simply greedy, and took out mortgage loans with artificially low initial interest rates, are now placing a burden on the rest of us taxpa...
Antica Murrina Italian Jewelry
in The Jewelry Weblog, on May 15, 2009
...ne of Venice's lost treasures, the brothers were given a medal of gratitude from the city's administration.
Coco Murano Glass Bead Necklace
Adorn yourself with Antica Murrina's eleg...
More bad news: Housing foreclosure activity remains at record levels
in The Mortgage Roadmap, on May 14, 2009
...'t happen.
Often, lenders will work with homeowners to renegotiate the terms of their mortgage loans to make sure that these owners can keep their homes.
I know it's embarrassing, and fright...
Looking to buy? Your mortgage loan might be smaller than ever
in The Mortgage Roadmap, on May 13, 2009
...h; than it's been in years. And this means that many buyers will be taking out smaller mortgage loans in order to purchase these homes.
Bloomberg reported that the nation's median housing pr...
Hedge Fund Administrator of The Year
in The Hedge Funds Weblog, on May 13, 2009
... (AIS), the Bank of New York Mellon received 6 other awards at the International Custody & Fund Administration (ICFA) Global Awards 2009 in London.
BNY Mellon also received the award for White Pa...
Navigating the new mortgage roadmap
in The Mortgage Roadmap, on May 12, 2009
...I applied for my most recent mortgage loan back in 2006. You might remember that this was right before the housing boom ended and the housing crash began. Bad timing on my part. Today, my home is wort...
No recovery yet
in Sox First, on May 8, 2009
...off. Add to that the reports that US consumer credit fell by a record $11.1 billion in March and loan delinquencies continue to rise , although they're starting to level off. As a result, bank...
An End to Tax Havens?
in Bizinformer, on May 5, 2009
...ce I was literally in diapers. The discussion began at least as far back as 1961, with the Kennedy administration.
The devil is always in the details. You know the metaphor about laws and sausages. ...
Animal Spirits by George Akerlof and Robert Shiller
in Sox First, on May 4, 2009
... a growing disrespect for law and civil society. The 1991 recession was preceded by the savings and loan (S&L) crisis, the 2001 recession by Enron and the latest by the totally amoral selling of s...
Google Likes To Steal Other's Thunder
in Wangtam, on May 3, 2009
...y Loan | Fastest and Easiest Online Cash Advance in Phoenix, Az. Phoenix-Cash-Advance.Com
• Gaming Laptops, Gaming Notebooks, Custom Gaming Laptops | Factor Gaming
• Massage By Becky: The Best Mas...
Lost American Marques: Hupmobile
in Classical Drives, on May 1, 2009
... ousted by other board members but in late 1935 production was suspended and with a Federal Reserve Loan denied, some of the plants were sold to raise money. Once again back in business, Hupmobile int...
Fox says no to Obama
in Sox First, on April 29, 2009
...allay the concerns of those who point out that Fox has been steadfast in its criticism of the Obama administration. On the other hand, it might say something about the parlous state of the media indu...
The Pirate Bay Sinks in Court
in Digital Music - The Future, on April 26, 2009
...o the wind, ignored legal requests, and have now met their match in Swedish courts, with the entire administration team being sent down for aiding copyright infringement. An appeal will of course be m...
Save Money on Your Car Costs
in The Personal Finance Weblog, on April 24, 2009
...our area - or for another car within your price range. In addition, being pre-approved for you car loan will enable you to have more bargaining power with a car dealer. It also will enable you to save...
Lifetype: PHP -basierte Weblog-Software
in PHP-Developer-Blog, on April 23, 2009
... verfügbar. Es lassen sich unbegrenzt viele Blogs und Benutzer anlegen und verwalten. Neben der Administration steht jedem Nutzer ein eingeschränkter Administrationsbereich für seinen Blog zur Verfügu...
Back door bank nationalisation
in Sox First, on April 20, 2009
...
Earlier this year, I did a blog entry looking at how the Obama administration was opening the door to nationalizing banks where the US government is repaid with common stock giving it a stake in... ...e US Government is now moving in this direction with plans to convert the government's existing loans to the nation's 19 biggest banks into common stock. This means the US Treasury could becom...
Hope, greed, fear and the financial crisis
in Sox First, on April 16, 2009
...y, we need initiatives like continuous workout mortgages that automatically adjust the terms of the loan to the borrower's ability to pay, housing futures markets, comprehensive financial advice f...
IPOs: don't blame Sarbox
in Sox First, on April 15, 2009
...n this economic climate. Last week, The Wall Street Journal was raising concerns about the Obama administration's plans to regulate venture capital firms, pointing out that Sarbanes Oxley's...
Obama Relaxes Cuba Travel Restrictions
in Global Mobility Report, on April 13, 2009
...ill now be able to travel more freely to visit those relative without violating U.S. law, the Obama Administration announced today. Several news sources ( Associated Press , NY Times , H Post ) are ...
The great economic cover up
in Sox First, on April 10, 2009
...er will come to an end in the next few months. Based on the data so far, you would think the Obama administration is trying to talk up the economy. You restore confidence, and people start spending a...
Will Karen Mills Make a Difference at SBA?
in Bizinformer, on April 8, 2009
...mises to reinvigorate the agency. Mills nevertheless inherits an SBA that languished under the Bush Administration, which cut its funding by about 26% since 2001 and sliced staff by 18% since 2003. Lo...
