Archive for the ‘Analysis’ Category

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Back of the Envelop Analysis

Go figure.  But as i have been digging into this Budget, GDP, Debt issue–things are becoming quite interesting.  Now check this out for some “back of the envelop analysis”. Census Data–average (mean) income per 78,874,000 families in 2008 was $79,634.  That is the average. Assume $26 Trillion in Debt (high) but would include $15 T […]

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The Next Shoe to Drop

This is a note I sent my cohorts recently out of frustration over what I thought was the discounting by some of the readers of my Business Insider articles of  QA’s banking analysis, which was showing that the worst of the banking problem was over.

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The Doomsayers

I have a cohort who regularly sends me “doomsday” articles from Seeking Alpha.  As a response to one that he just sent me, explaining why our banking system is about to collapse and thus send us down the tubes, i sent him the following email.  I thought it was worth sharing. ———– H–I just don’t […]

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Beginning to Understand

I actually think people are beginning to understand what i am talking about, but there are a couple of things that i think might help with that understanding.  First of all the definition of NPA (non-performing assets) and how they are reflected on a bank’s balance sheet. Here is something i just wrote one of […]

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Different Perspectives

The following is a discussion that i am having with a fellow over Everbank in Jacksonville, FL.  This fellow had asked me how he was supposed to interpret Everbank’s true condition when one rating agent gave Everbank a D- or failing bank ranking, and another respected rating agent gave it a very positive “Four Start […]

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Writing and Accounting

Dear H–:  One thing that i have found, if i want to continue to write articles for Business Insider, is that i have to ignore the comments after my articles.  Ninety percent of them are simply potshots.  I do read them, just to try to gauge what was not understood or what more needs to […]

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Email to Business Insider

I thought you might be interested in the email that i sent my Business Insider contacts.  It relates to the analysis i did this morning on the 129 banks that the fdic has shutdown this year. Hello fellows: This morning i cranked out a little analysis on the 129 banks that the fdic has shutdown […]

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Not the Loan Ranger

As i was reading my WSJ yesterday, i was happy to see that the Journal’s economics editor, David Wessel, talked about pushing for a mass government-sponsored refinancing effort, encompassing even those with houses less than their current mortgages.  Of course, he had to quote a couple of Economists (Mark Zandi from Moody’s) and (Christopher Mayer […]

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TARP and Fear

Business Insider put my TARP article up yesterday.  Here is the link: http://www.businessinsider.com/tarp-great-depression-2010-10 For some reason unbeknownst to be (wink), it seemed to ruffle the feathers of a few “economists”, which is good.  The comments regarding my work are fairly negative from that bunch, but at least most of them got the message just the […]

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My Congressional Input

Yesterday, per the advice of one of my new “think tank” friends, a Congressional aid got in touch with me about the Ginnie Mae model.  I thought you might be interested in my response.  It follows: ——- M—:  Relating to your question about the Ginnie Mae model, I have decided to send you something that […]