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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 listen to.
You can't really blame homeowners for focusing so intently on what their mortgage int...
It's getting tougher to get a mortgage-broker license
in The Mortgage Roadmap, on July 2, 2009
...r 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 business....
Supply chain video: Preparing for the worst, managing supplier risk in the downturn (Part 1)
in Supplychainer, on June 30, 2009
...and organizations producing commodity are going down. That of course means bad news for procurement officers so they need to think about it...
...
Why CEOs don't blog or Twitter
in Sox First, on June 30, 2009
...ason too. A new survey, published here , reveals that only two out of the top 100 chief executive officers in the United States have Twitter accounts, only 13 have LinkedIn profiles, 81% don't h...
Don't believe the homeownership hype
in The Mortgage Roadmap, on June 24, 2009
... 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 denying t...
Does owning a home have to be the American Dream?
in The Mortgage Roadmap, on June 17, 2009
We like to find people to blame for our problems, don't we? And today, a lot of us are busy looking for people to blame for the mortgage meltdown the country is currently suffering through.
You know all about the meltdown: Housing foreclosures are soaring. Owners are walking away from thei...
What economy? CEO private jets take off
in Sox First, on June 11, 2009
... Bloomberg , it's heartening to see some things don't change. Pay perks for chief executive officers, despite their abysmal performance, are soaring with reports that more are taking to usin...
Is it time to refinance your mortgage?
in The Mortgage Roadmap, on June 10, 2009
The economy is terrible. Yes. But there is a bright spot for certain homeowners: The weak economy has 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. CN...
Are reverse mortgages the next trouble spot?
in The Mortgage Roadmap, on June 8, 2009
... 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 exci...
Wells Fargo accused of pushing bad loans on African-Americans
in The Mortgage Roadmap, on June 8, 2009
... wouldn't be able to pay, people will say to me.
What they fail to grasp is that mortgage loan officers are supposed to be looking out for the best interests of their clients at all times. They&#...
Even Hollywood hates mortgage loan officers these days
in The Mortgage Roadmap, on June 1, 2009
...ceived 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 mortgage ...
Mortgage interest rates went up. Don't panic!
in The Mortgage Roadmap, on May 28, 2009
...k, or if they'll fall a bit. But waiting to find out doesn't make much sense. Mortgage loan officers are swamped these days. The weak economy and housing meltdown has chased many from the busi...
What's the next direction for CFOs?
in Sox First, on May 25, 2009
...
The recession will reshape the work of chief financial officers. When the recovery comes, the world will be very different. CFOs will have to start shifting their focus to getting the most out of ...
The refi money is still flowing
in The Mortgage Roadmap, on May 21, 2009
...gage brokerage firms slashed 3,900 employees in January alone. This leaves a smaller number of loan officers to handle an ever-growing number of homeowners who want to refinance.
It's a situation...
Navigating the new mortgage roadmap
in The Mortgage Roadmap, on May 12, 2009
... it.
But there was one benefit of buying a home in 2006: Getting a mortgage loan was simple.
Loan officers back then were still giving mortgage money to just about anyone. You could breath? You had ...
No recovery yet
in Sox First, on May 8, 2009
Is the US economy on its way to recovery or not? Some would point to the results of the bank stress tests as a green shoot with 10 of the 19 largest banks needed to boost their capital by a combined total just shy of $75 billion. Not as much as many expected, prompting officials and industry ex...
Finanzkrise: Einfluss von CIOs schwindet
in Das CIO Weblog, on May 5, 2009
...enn infolge der Finanzkrise schwindet derzeit der Einfluss der CIOs zugunsten der Chief Financial Officers (CFO). Das berichtet CIO.de und bezieht sich dabei auf eine Umfrage unter 216 CIO.
59 Proz...
Are economists to blame for the financial crisis?
in Sox First, on April 23, 2009
...nstitutions. Although they rarely reach the top offices, they are often the top advisers to the top officers. So they seem to know what they are doing. They impart confidence in their predictions, whi...
The great economic cover up
in Sox First, on April 10, 2009
...hat's a pretty straightforward thing, as well. Why would we keep CEOs and CFOs and other senior officers, that caused the problems? That's facially nuts. That's our current system," B...
Supply chains need to be intelligent: IBM's new supply chain research finds
in Supplychainer, on March 14, 2009
...I just took a look at the webpage for the IBM's new chief supply chain management officers in 2009 and noticed that they have done a great job of capturing an structuring of the future supply chai...
Warning to CFOs: don't trust HR
in Sox First, on March 11, 2009
...epartment. That's what caught my eye when I read this CFO.com report warning chief financial officers not to trust their HR people. According to human resources professor Richard Beatty from ...
CEO pessimism
in Sox First, on January 29, 2009
...
Chief executive officers are a glum lot. According to the l atest PricewaterhouseCoopers survey , most CEOs around the world are expecting a long and hard recovery. The survey found that only 15% ...
Bush Commutes Sentences Of Border Patrol Agents
in Exclusive from our news room , on January 19, 2009
...es of two Border Patrol Agents convicted of shooting an unarmed illegal immigrant in 2006.
The officers, Ignacio Ramos and Jose Compean, were sentenced to terms of 10 years and despite widespread...
Recession means it's time to ramp up internal security
in The CIO Weblog, on December 24, 2008
..., desperate employees worried about layoffs are a thing to be feared by CIOs and corporate security officers.
To start with, half of US respondents were afraid for their jobs at this point, a statist...
CIOs verkaufen sich schlecht
in Das CIO Weblog, on November 21, 2008
... in einem aktuellen Beitrag mit den Ergebnissen einer Studie zur der Rolle des Chief Information Officers (CIO). Zwar gilt der CIO in vielen Unternehmen als Innovations-Antreiber. Doch was die eigen...
Ratings agency crackdown
in Sox First, on November 12, 2008
...kets, including the United States with Bloomberg reporting that three out of four chief executive officers want to see more regulation for credit rating agencies. And while we are on the subject of...
Overstock Settles After Gradient Apologises
in The Hedge Funds Weblog, on October 14, 2008
...tock.com Inc. announced it has settled all claims against Gradient Analytics and its principals and officers named as defendants in Overstock's defamation case filed in Marin County, California.
...
CFO turnover continues
in Sox First, on October 13, 2008
...
The churn rate for chief financial officers is continuing at the same level as last year, reports CFO.com . That is somewhat surprising but it will be interesting to see how it pans out in the e...
Missing earnings targets: career consequences
in Sox First, on September 30, 2008
...I did a blog entry looking at how firms with restatements had bigger turnovers of chief executive officers and chief financial officers. Now that's supported in a new study, CEO and CFO Career...
Are Admissions Officers Checking Your Facebook Page?
in The Online Universities Weblog, on September 22, 2008
...es to deciding which students to accept. Kaplan reports: "A Kaplan survey of 320 admissions officers from the nation's top colleges and universities revealed that one out of ten admissions ...
Should Your MySpace, Twitter or Facebook Page Be Part of Your College Application...?
in The Universities Weblog, on September 22, 2008
...It may well be. Kaplan released a report last week in which a survey of 320 college admissions officers showed that about 10% of them look at the social networking sites of high school seniors who&#...
Best Buy 出价 1.21 亿美元收购 Napster
in Wangtam, on September 15, 2008
Best Buy 刚才宣布 ，将以每股 2.65 美元现金的价格收购数字音乐服务供应商 Napster Inc.。该收购价格包括 6700 万美元现金，以及 Best Buy 截至 6 月 30 日对 Napster 总计 1.21 亿美元的投资。
如果该项收购顺利完成，将使 Best Buy 拥有来自 Napster 的 70 万个在线音乐用户，并使其获得新的客户。Best Buy 连接数字解决方案部门执行副总裁 Dave Morrish 在一份声明中表示："我们能够预见到，Napster 作为一个平台将加快我们在数字娱乐这一新兴行业的成长。"
以下是官方新闻...
CFO churn
in Sox First, on September 6, 2008
...
Life for chief financial officers is getting tougher with a new study, to be released next month, showing that roughly half of the CFOs at Fortune 500 and S&P 500 companies stay in their posts...
Ethics code copies
in Sox First, on September 4, 2008
...close whether they have adopted a code of ethics for principal executive, financial, and accounting officers. If they don't have an ethics code, they have to explain why they don't. What then...
Internal security is the most important security
in The CIO Weblog, on August 30, 2008
...onsiderable disruption. Because it's hard, and because it's off the radar of many corporate officers, little is done to address it. On some occasions I've heard concerns over the matter di...
CIOs marginally worse off under CFO
in The CIO Weblog, on August 25, 2008
...nagement, and relationship management" than their counterparts who reported to other corporate officers.
The report takes great pains to emphasize that the overall differences are relatively sma...
Automakers are reducing the number of suppliers as a result of declining sales
in Supplychainer, on August 18, 2008
... big three in the U.S. are not an exception. That's why a while ago all of the chief purchasing officers in big three giants announced that they are considering the option of reducing the number o...
Mrs Fields goes bust - another sign of recession
in Sox First, on August 18, 2008
...e company on a road to nowhere. All this is in keeping with the latest survey of chief financial officers and senior-level executive CPAs saying that the US is in recession and the outlook remains ...
Watch for the CFO non-verbal cues
in Sox First, on August 12, 2008
...
Investors need to pay careful attention to the non-verbal vocal cues of chief financial officers - stuff like voice pitch, tone, intensity, speed, volume, inflection, and the amount of time they t...
More waste and fraud in Iraq
in Sox First, on August 1, 2008
... with all this. According to the report, these sorts of contracts usually require 50 to 60 contract officers to make sure everything is working. In this case, there were only 10 to 12. And the US Gove...
Bootstrapping big deals
in BootStrapMe, on July 31, 2008
...low for expansion.
• Make your own choices. No board of directors, no bank presidents or loan officers. Only the bootstrapper decides on the direction of his or her business venture. That decision m...
Corrupt raiders
in Sox First, on July 17, 2008
... with the semi-official approval. "The raiders often include former intelligence and Police Officers , lawyers and people with ties to well-placed state officials. On their payrolls are ju...
Audit liabilty - the PwC case
in Sox First, on July 12, 2008
...e bankrupt Allegheny Health, Education and Research Foundation . What we have here is a a group of officers, including the former CFO, who admitted to knowingly misstating AHERF's finances in the...
The real downside of integration
in The CIO Weblog, on July 7, 2008
...expect that corporate executives may be better equipped to handle this temptation than the military officers Boudreau describes; after all, it has taken considerably longer for the battlefield to rece...
Communication Skills
in Biz Plan Hacks, on June 24, 2008
...and we are constantly using them. However, how well do we communicate?
On Saturday I attended an officers training for my Toastmaster's club. One of the speakers is a mechanical engineer ...
Dumb CEOs and email
in Sox First, on June 12, 2008
...ice. So there is a reason. It's called paranoia. Harder to explain why fat cat chief executive officers, like Countrywide's Angelo Mozilo, can't tell the difference between a forward ...
CFOs' road to the top
in Sox First, on June 2, 2008
...or accountants. Now we have new evidence that it's also done a lot of good for chief financial officers. According to a study, finance chiefs are the ones most likely to get the top jobs in compa...
Tomorrow's hot job: compliance officers
in Sox First, on May 28, 2008
...
Compliance officers are cashing in on the ever-growing pile of laws and regulations confronting companies around the world. Some are now earning well into the seven figures, reports Michael Grebb...
Subprime crisis drives litigation
in Sox First, on April 10, 2008
...itch Ratings warns this is going to be a nightmare for insurers providing cover for directors and officers. The big question is whether the litigation will spread beyond the financial services sect...
微软致信 Yahoo 董事会，三周必须签订收购协议
in M2 十字街口, on April 6, 2008
有关于 微软出价 446 亿美元欲收购 Yahoo 的事情，已经进行两个多月了，根据 网谈的消息 ，微软刚刚致信 Yahoo 董事会，三周必须签订收购协议，其含义就像是一份最后通牒。而业界分析也普遍认为，就 Yahoo 目前的状况而言，被微软收购能算是最好的结果了。以下是 微软公开致信的全文 ：
A fistful of dollars: the CEO tax dodge
in Sox First, on April 2, 2008
...
Absolutely disgusting! Chief executive officers, the group representing the most spoiled and richest section of society, are getting tax gross-ups. A Corporate Library study found that one in fiv...
Uefa to apologise to Celtic? Yeh, right.
in The Soccer Weblog, on April 1, 2008
... from every possible angle. The Celtic fans will have been surrounded by hundreds of Spanish police officers and there will have been approximately seventy-five thousand witnesses. If the investigatio...
Biovail's fraud and SOX
in Sox First, on March 27, 2008
...nual reports over the course of four years. In an effort to conceal the fraud, Biovail's senior officers intentionally misled the company's auditors and the investing public, showing their com...
NFL Draft Prospects - Arrested
in End Zone Buzz, on March 25, 2008
...ashington Post reported that the two were in a large crowd that was on the brink of fighting. When officers broke it up, they "arrived to observe Morgan exhibit behavior that was disorderly in n...
Accountants: what recession?
in Sox First, on March 9, 2008
...idence of that with the latest Robert Half survey telling us that nine percent of chief financial officers plan to add full-time professionals and only 5 percent anticipate staff reductions. So it&#...
Who buys the iPhone for the enterprise?
in The CIO Weblog, on March 7, 2008
...vices in the enterprise.
As I intimated yesterday, I think it's actually the other corporate officers, as well as the tech-fetish corporate grunts, who will be hauling these things into work an...
Compliance costs grow faster than income
in Sox First, on March 3, 2008
...om the Deloitte Center for Banking Solutions . The study, which surveyed surveyed chief compliance officers, chief risk officers and other senior executives at 20 of the top 50 financial institutions...
Online College Admissions Essays
in The Online Universities Weblog, on February 26, 2008
...olleges do not conduct on-location interviews, the admissions essay is the main way that admissions officers get to know applicants. My latest About.com article, How to Write an Online College Admiss...
College Football Players + Suspensions = Offseason
in End Zone Buzz, on February 22, 2008
...tt hit a parked car early Sunday morning and then fled the scene. According to police reports, when officers stopped Colquitt, he admitted to drinking and driving as well as to hitting the car and a t...
Bad apples and bad trees
in Sox First, on February 19, 2008
...2004, almost all the convictions have been individuals, including chief executives, chief financial officers and company founders. Between 2003 and 2006, 31 companies or "bad trees'' avoi...
Saudi and BAE threats: drop the corruption probe
in Sox First, on February 15, 2008
...y was hauled over the coals for making the approach with Jonathan Jones, Legal Secretary to the Law Officers writing to BAE's Michael Lester telling him that "it is inappropriate for represen...
More Students, Fewer Seats
in The Universities Weblog, on February 6, 2008
...f high school graduates going to college is at it's highest level ever. At colleges, admissions officers are working overtime to process the tsunami of applications. Over the past decade, t...
A Las Vegas Journey
in carzz.org, on February 1, 2008
I just returned from Las Vegas where I had the opportunity, with about 30 other mooching journalists, to test drive the new 2009 Dodge Journey crossover. I go on many press previews, some of the trips I have been on produce great cars I always remember, some result in driving total horror sho...
Corporate defense
in Sox First, on January 18, 2008
...nging. At the end of last year, the GARP Risk Review ran a piece on the evolution of senior risk officers changing from compliance specialists into experts on governance, capital allocation, data m...
CFO disconnect
in Sox First, on January 4, 2008
...
There seems to be a profound disconnect for chief financial officers in their first 100 days on the job. According to a McKinsey survey , most CFOs say their time is not being spent in areas where...
Siemens: the scandal that won't go away
in Sox First, on December 15, 2007
...se of concerns about a union funding scandal. Meanwhile, Reuters reports that Norwegian military officers have been charged with corruption, after allegedly accepting bribes in the form of gifts, e...
When bootstrapping is the only option
in BootStrapMe, on December 9, 2007
...cause there seems to be no risk on the entrepreneur's side. I've been told by bank loan officers that without some personal risk or assets thrown in they fear entrepreneurs could simply walk a...
Enron, stakeholders and the consequences for corporate governance
in Sox First, on November 27, 2007
...ivil fiduciary duty suits even when the only factual questions concern duties owed to shareholders. Officers and directors who want to avoid personal liability for alleged duty violations may choose t...
Violent Clashes in Bolivia
in Latina Viva, on November 26, 2007
...om jail yesterday, in Sucre.
The criminals took advantage of the weak police control - most police officers were dealing with the violence in the streets.
Now, you've got to ask: are these const...
Curveball questions
in Sox First, on November 18, 2007
... from the evaluation? Do the company's code of conduct and conflict-of-interest policies for officers and employees also cover outside directors? Were any waivers granted to executive officers ...
