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- Debt Collection M&A Booms as Collections Collapse
- Bill Zielinski submits: Business Week reports that amid a general collapse in the mergers and acquisitions (M&A) field, one area that is still booming is in acquisitions of companies that buy and collect on defaulted consumer debt. Acquisitions of $1.8 billion this year already exceed last years total of...
- External links 2008-11-25
- Notes on the Bonus Brouhaha
- Bill Zielinski submits: The [[AIG]] bonus scandal comes at a bad time for Bill Clinton, who reportedly walked away from a $20 million “goodbye” bonus from Yucaipa Partners. With the AIG crowd getting blasted for paying bonuses to employees who ran the company into the ground (see AIG...
- External links 2009-03-18
- Nikkei Continues to Rally as Japan's Exports Plunge
- Bill Zielinski submits: One of the hardest concepts for investors to grasp is the ability of markets to discount bad news. As the news mounts daily about the Japanese economic collapse, the Nikkei 225 continues to rise. As pointed out previously (see Can The Economic News From...
- External links 2009-03-26
- GM's Bankruptcy: Obama's Socialist Hat Trick
- Bill Zielinski submits: Obama Said To Conclude Bankruptcy Best Option for GM March 31 Bloomberg — President Barack Obama has determined that a prepackaged bankruptcy is the best way for General Motors Corp. to restructure and become a competitive automaker, people familiar with the matter said. by Bill Zielinski
- External links 2009-04-01
- The Debate Continues: Why GM May Survive
- Bill Zielinski submits: Charles Wilson, the head of General Motors GM in 1952, stated that “what is good for the country is good for General Motors, and what’s good for General Motors is good for the country”. This imperial statement was made at a time when GM and other...
- External links 2009-04-01
- Starbucks Is On the Right Path
- Bill Zielinski submits: [[SBUX]] On the Right Road There is an old saying that if you don’t know where you are going, any road will get you there. Starbucks SBUX seems to know where it wants to be and is also taking the right steps to get there....
- External links 2009-04-30
- Why Are Insiders Losing Their Taste for Chipotle?
- Bill Zielinski submits: Insiders on Selling Rampage Led by Chief Executive Steve Ells, Chipotle Mexican Grill CMG insiders sold over 230,000 shares in April. This large number of sales by insiders has investors wondering if they should follow the lead from those who know the company best. by...
- External links 2009-05-07
- Our Nation's Risk of Default
- Bill Zielinski submits: Black Swan Events Becoming Routine Our Nation has avoided the decline into the abyss that many have been predicting during the economic crisis. At the cost of approximately $13 trillion in government bailouts and guarantees, the system has been held together but at a...
- External links 2009-05-13
- Banks' Loss Reserves Can't Keep Pace with Troubled Loans
- Bill Zielinski submits: The latest FDIC Quarterly Banking Profile reveals that banks increased loan loss reserves by 11.5% and the ratio of reserves to total loans increased to 2.5%, an all time high. Despite the large loan loss reserves, the ratio of reserves to noncurrent loans fell for...
- External links 2009-06-02
- Sin and Millionaire Taxes Aren't the Solution to State Deficits
- Bill Zielinski submits: Maryland Fights The Laffer Curve and Loses As state tax revenues plunge, politicians are attempting to increase spending and cover budget deficits by imposing “sin and millionaire taxes”. by Bill Zielinski
- External links 2009-06-03
- Fiscal Discipline: Endorsed by All and Practiced by None
- Bill Zielinski submits: Has anyone noticed the correlation of “fiscal discipline” chatter to rising interest rates? Efforts by the Fed to manipulate rates lower through the outright purchases of treasuries and mortgage securities seem to be failing as the long end of the yield curve continues to steepen....
- External links 2009-06-09
- Wells Fargo Sows the Seeds for Next Foreclosures Crop
- Bill Zielinski submits: Risk Of No Down Payment Mortgages There is longstanding and overwhelming statistical proof that zero down payment home buyers default on mortgages at a far higher rate compared to home buyers who make a down payment. This matter has lately received more attention than...
- External links 2009-07-09
- Someone Forgot to Tell Fannie, Freddie About Lowering Debt Ratios
- Bill Zielinski submits: Sufficient Income Key To Sound Home Ownership In an effort to prevent delinquent home owners from losing their homes to foreclosure, the Department of the Treasury recently issued guidelines to lenders. Under the Making Home Affordable mortgage modification program, the Treasury stated that the mortgage...
- External links 2009-07-13
- Are Payday Lenders Saviors or Predators?
- Bill Zielinski submits: Payday Lenders Serve The Financially Inept One of the fastest growing lending businesses in the country has been “payday lending”. Without the hassle of a credit check or application, a payday lender will give an employee a cash advance to carry him over...
- External links 2009-07-14
- CIT Solution Is Bankruptcy - Not Bailout
- Bill Zielinski submits: A CIT spokesman said late Wednesday that “There is no appreciable likelihood of additional government support being provided over the near term”. Taxpayers had previously supplied a massive $2.3 billion dollars in loans under the TARP program late last year. The large TARP infusion did little to...
- External links 2009-07-16
- Advanta and CIT: Same Customers Yield Same Results
- Bill Zielinski submits: In early May, when Advanta Corp ADVNA announced that it was suspending all new credit card lending, it was speculated that many borrowers would simply stop paying. The fact that borrowers might default on their debts when Advanta refused to extend new credit says a lot about...
- External links 2009-07-21
- Credit Card Act of 2009: Thanks for Nothing, Congress
- Bill Zielinski submits: Congress Takes Bow For Credit Card Act of 2009 The Credit Card Act of 2009 was intended to curb certain practices of the credit card industry that were deemed abusive to consumers. With a great deal of public fanfare, Congress passed legislation that provided the...
- External links 2009-08-26
- Japan's Zombie Banking Is Alive and Kicking
- Bill Zielinski submits: Japan’s Zombie Banking Taken To New Levels Of Lunacy Japan’s real estate and stock market bubbles burst in the early 1990’s. Since then, twenty years of non-stop Government stimulus programs have failed and left Japan with the highest debt to GDP ratio in the...
- External links 2009-10-06
- Chinese Are Likely to Halt Purchases of U.S. Treasury Debt
- Bill Zielinski submits: Nervous Times In China The Chinese are learning the hard way about an old American banking story. The man who owes the bank $50,000 dollars on a secured loan may lay awake at night worrying about how he can repay the loan. If the same...
- External links 2009-03-13
- Jumbo Mortgage Rates Reflect the Default Risk
- Bill Zielinski submits: Economic Crisis Impacts All Borrowers Jumbo mortgages, typically loan amounts above $417,000, are defaulting at a rapid pace as the economic crisis affects borrowers at all income levels. Bloomberg is reporting that jumbo mortgages, typically associated with higher income home owners, are becoming the next...
- External links 2009-02-24
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