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Unreported Financial Statements:SEC Regulatory Authority Positioning

March 10, 2008

Analysis of:Diebold announces delay in 2007 annual-report filing | www.atmmarketplace.com

Implications: 1.A COMPLETE review and compilation of ALL Financial Data over the past two (2) years: Extensive review of Operational Capitalization. 2.A complete analysis of the Firm's Revenue and Expense Recognition policy and procedures of the firm. 3.An entire re-statement of Financial Data for years ending 2006, 2005,2004, 2003.Accounting Magic is the issue at hand. 4.While a re-statement of Financial Data MAY address some issues - It appears as though the Regulatory Agencies have undisclosed matters that must be addressed by the firm.Sec and D.O.J. will require an IN DEPTH analysis. 5.The MOST salient issue - Revenue Recognition: an accounting procedure , which relates to the TIMING and PROCEDURE of revenue allocation. 6.A "Bill and Hold" basis of recognition is HIGHLY suspect, at best!

Undercapitalized Financial Institutions - Unprepared for the Down -Side Risk

March 7, 2008

Analysis of:Ambac Drops Breakup, Plans To Raise $1.5B | www.propertyandcasualtyinsurancenews.com

Implications: 1.Debt risk is the , primary, motivating factor.Such risk causes the need for additional capital and elimination of dividends for investors. 2.Rating firm's confirm the risk assessment and lower the institution's standing rate: Affect on the firm - Either higher interest rates or the inability to raise additional capital. 3.Collateralized Debt Obligations and Mortgage-backed Securities are materializing at a Faster Pace thn management had, originally Forcasted. 4.Effective Containment is CRITICAL in order to obtain an equalibrium in the Financial Marketplace. 5.A Down-graded rating may raise the Cost of Capital and, hence, an unattainable goal will surface in a destructive manner. 6.A NEGATIVE Watch Rating has created a clear VOID - Management may be forced to seek alternative methods of sustaining a srong base of capitalization.

Special Purpose Acquisition Companies: Initial Public Offering Market

March 7, 2008

Analysis of:The Nasdaq Welcomes SPACs | www.iddmagazine.com

Implications: 1.Shell companies for the sole purpose of raising capital through Initial Public Offerings - A Void Entity. 2.Initial Capitalization must be HIGH to acquire one or more PROFITABLE operating companies. 3.All listings on the AMEX have been transferred to the Nasdaq - a highly liquid electronic trading platform for the purpose of transaction execution. 4.The Objective: a compelling VALUE proposition; value-added of products and services. 5.The MOST Salient reasoning - blank check companies are not allowed by rule-making and without Assets to trade on the exchange. 6." Make it more attractive to the Investing Institutions and related Public Investors".

A Troubled Financing Business: An Additional Capitalization Decision

March 6, 2008

Analysis of:G.M. Voices Confidence in Lending Business | www.nytimes.com

Implications: 1.A Private Equity firm MAY require an additional Capitalization or Cash Infusion. 2."Risk" factors are Material and many concerns are abound as management , clearly, identifies a weakness. 3.Excessive losses have surfaced and it is very likely that the auto and mortgage lender will struggle in the Short Term, which will enhance the Long Term Financial posturing of the Firm. 4.The Subprime Mortgage Lending Marketplace is , only, one (1) of two (2) variables. The second being that of the conditions encompasing the Automobile Lending Marketplace. 5.A Salient issue is the cost reductions in the Automobile Lending sector. 6.Management activity May be or May not be consistent with the concerns as expressed in the arena of the Financial Marketplace; Timing is Imperative.

Unsustainable Investments:Implications of Short and Long Term Capitalization

March 4, 2008

Analysis of:Cash-Rich, Publicity-Shy, Abu Dhabi Fund Draws Scrutiny | www.nytimes.com

Implications: 1.Surplus Cash is funded by foreign purchases of energy and consumer goods. 2.There are considerable investments in emerging market economies - Purpose: Leverage the amount of Capital Investments and INFLUENCE the International Economy. 3.This highly skilled Investment Unit develops a strategy of generating market-beating returns: A STRATEGIC advantage to gain CONTROL of the Financial Marketplace.There is NO value -added to the remaining economies. 4.The Conceptual Approach - Initially adopt a long-term passive Investment approach of a sizable nature. The purpose of such a position is to gain seats on the Board of Directors and, hence, control. A value-added ONLY to the Investment Manager. 5.The Fund's commitment is in the EARLY stages and will, decisively gain more influence as time passes. 6.The ultimate objective is to assume a LARGER public presence - enhance their Specific Goals and Objectives without Interference. 7. Control is a mitigating Factor.

An Inflow of Cash and Investment from Capital Markets:Oil Suppliers Affect a Strategy

March 3, 2008

Analysis of:EU Seeks Code for Sovereign Wealth Funds | biz.yahoo.com

Implications: 1.European Countries trading in a booming Asian Market - Financial Capitalization is Complex. 2.Asian Countries invest trade surpluses in Europe and US: A dramatic CHANGE in the Balance of Financial Power. 3.Middle Eastern countries increase an oil profit windfall - A matter of other countries becoming Financial HOSTAGES. 4.Most agreements of this nature WILL become a threat to National Security and Public Order - " The override of Public Interest Objectives"!! 5.There is NO guarantee of generating compliance of transparency, predictability, and accountability - regulatory compliance is NOT a salient issue and MAY NOT have an definate affect on value-added to all parties. 6. As European Nations have a receptive attitude toward Capital Investment - Financial vulnerability is a possible outcome.

Suspension of Federal Guaranteed Loans: a Catastrophy for Intellectual Capital

March 3, 2008

Analysis of:A Lender Halts U.S.-Backed Student Loans | www.nytimes.com

Implications: 1.Student Loan Operations - a consequence of Tight Credit Markets and Poor Capitalization. 2.A Model of Failure for both the General Student Population and Academic Institutions. 3.Reduced subsidies to the lenders in the federal guaranteed student loan program - all Investors will retreat from purchasing securities backed loans: a matter of rising costs to raise capital. 4.The consequence of such Financial Activity will be a massive retreat from MANY federal loan programs. 5.Private and Institutional Investors will NOT engage in financial activity as it relates to  Governmental Programs - a significant statement  of Financial Strategy. 6.Government intervention will be required to ensure liquidity. 7.The STUDENT Population and their families will, indeed, have difficulty in obtaining funding and the educational system MAY FAIL.  

Accounting Changes and Expanded Disclosures:Timely or Untimely?

February 29, 2008

Analysis of:FREDDIE MAC RELEASES FOURTH QUARTER 2007 FINANCIAL RESULTS | www.freddiemac.com

Implications: 1.Improvement of Liquidity,Stability and Affordability for the US Housing Financing System. 2.Stabilization of the CONFORMING Mortgage Market  and a , possible, reduction in foreclosures for the average homeowner. 3.A keenly FOCUSED management will lead to a stronger financial future for both the public and private sectors in the US Economy.            4.Strategies have been developed to add Capital,Management Control of Credit Risk and the institution of Pricing Policy , which is consistent with Risk Management. 5.An exceptionally Higher Capital Base will provide an exit strategy for unknown events. 6.A provision for additional financial disclosure by adopting new accounting policies and procedures that will enhance understandability and conformity in the reporting of financial data to both management and the public.  

ATM and POS Systems:Forward Stocking and Serviceability Enhancement

February 27, 2008

Analysis of:Australia to test mobile phone SIM cards, open the door for mobile banking | www.atmmarketplace.com

Implications: 1.Central Wharehousing is likely to improve the processing of shipping replacement parts , thereby an improvement of profitability. 2. Cost reductions are critical to ALL parties of this transaction and will, eventually lead to a value - added to the firm's - LONG TERM. 3. In the SHORT TERM - profit enhancement may not be evident. 4.Time - Critical situations pose a threat to many Institutions and, therefore, Strategic Partnering is essential to all financial movements. 5.Two (2) viable outcomes are: improved customer service and a monumental EXTENSION of the entire customer base. 6.Technology Enhancement:placement of orders,management of inventory and shipment status are valued Industry objectives.

The Need To Bolster Finances: Prevent Insolvency

February 26, 2008

Analysis of:Bond Insurer Plans a Split to Protect Ratings | www.nytimes.com

Implications: 1.Assumptions - the need to obtain aaproval by Credit Rating Agencies is , at best, a  CRITICAL GOAL to ACHIEVE. 2.The Financial MarketPlace reacted in a timely manner. However the response may be pre-mature. The salient issues mayNOT have been resolved. 3.Mortgage-backed securities and other debt MAY NOT be adequate: The exposure to additional financial criteria may place the institution "at risk". 4.Banking Institutions may , indeed, find NO value-added and seek recourse. 5.Triple A - Ratings are difficult to obtain and MUST sustain the test of time. "At Risk" is Mortgage-backed Securities.

Mispricing of Asset-backed Securities: Overvaluation Leads to Major Losses

February 21, 2008

Analysis of:Credit Suisse Strips $1B From 1q Profits | biz.yahoo.com

Implications: 1. Evasion of financial problems leads to questions of the Institutions INTERNAL oversight. 2.Tighter controls of this  complex financial posturing may lead to stricter controls forced by the Regulatory Authorities. 3.Sovereign Wealth Funds have been accumulating share and wealth in Western Financial Institutions - CONTROL may be the Final outcome of this activity. 4. A select group of individuals DO HAVE the capacity to destroy a Major portion of a Financial Institution's Profits - a devasting impact. 5.The market value of products decline because of less than honorable transactions: commercial and residential mortgage-backed securities, collaterized debt and CDOs. 6.This type of Financial Activity MAY lead the way for additional cash inflows bt FOREIGN investos. 7."Discrepancies" is , clearly, an understatement.

A Broad Turnaround: Deterioration of the Mortgage Market

February 19, 2008

Analysis of:E-Trade Sells Wealth Management Assets | biz.yahoo.com

Implications: 1.An attempt to shedding of risk adverse assets with the possibility of increasing cash holdings. 2.Every attempt is being made to maximize asset valuation. 3.All losses stem from the deliniation of the Mortgage Market. 4.There is one consideration to be carefully evaluated - the time frame expected to close the transaction:three (3) months MAY be too long. 5.the salient purpose of the transaction is to sell noncore assets, as well as, core assets. 6.The implication of premarket timing/trading may be premature. A 5 % number: Realistic or Unrealistic? 7.A CRITACAL issue - Does PHH Investments Ltd have the ability to absorb the associated liabilities.

Debt: Bail-out for Troubled US Payments

February 18, 2008

Analysis of:Goldman bolsters MoneyGram bailout | www.financialnews-us.com

Impications: 1.A Dramatic use of the Investment Banks Funds, Employee Contributions and leveraging Investor Commitments. 2.A Recapitalization maybe required of all Investment banks. 3.Porfolio Securities have resulted/realized hugh losses. 4.There will be an aggregateof both realized and unrealized losses to the Investment Portfolio. 5.Third Parties to the transactions must re-evaluate their positioning in a timely fashion. 6.Equity Contributions MAY increase, substantially.

Assets Grow andTrading Volume Rises.

February 18, 2008

Analysis of:S&P Raises Charles Schwab Ratings 1 Notch, Expects Brokerage to Weather Market Downturns | biz.yahoo.com

Implcations: 1.An influx of NEW assets by NEW and Existing clients. 2.This influx could not stop a fall in the Price per Share. 3. Conversely, the S & P Ratings of the Institution have Risen. 4.A General Strengthening of the of the Brokerage's Market Position. 5.The Outlook Position revision to Stable from Positive is the evitable outcome. 6.The position of the company's adequacy MAY reflect itself in all firm's of like-kind. 7.The Principle to be developed is an offset of all market depreciation.

Key Industry Issues: Addressed in a Changing Marketplace

February 18, 2008

Analysis of:National Mortgage Servicing Conference & Expo | events.mortgagebankers.org

Implications: 1.The Value of Preservation and the Enduring difficulties in a down turn of the Marketpkace. 2.All industry pers may attend and should include mortgage services, attorneys, default managers and customer service management. 3.The Purpose: "Awareness" of all current Market conditions. 4.Operational efficiencies are the KEY to servicing this sector of the mortgage business. 5.Companies MUST change their way of doing business in this continuous changing market. 6.Legislative changes have been recognized and all competitive strategies have an evolution process to develop.

Write-down Charges: CREDIT MARKET INSURERS

February 18, 2008

Analysis of:XL Reports $1B Net Income Loss | www.propertyandcasualtyinsurancenews.com

Implications: 1.A loss to both Net Income and Revenues reach the Billions Mark. 2.A further deterioration og the combined Income to Revenues is very likely to continue. 4.It is entirely possible that an additional charge may have to be absorbed at the year end audit and become a major obstacle for the institution to sustain. 5.Rating downgrades and firther turmoil are immenent - due to the crisis at hand and not the brokerage business. 6.The reinsurance exposure is less than operational exposure of the firm. 7.It may appear that a MAJOR exposure of the firm is Directors and Officers Liability coverage - coverage which IS NOT indemnified under the corporation's policy.

Stabilization of Capital Position.

January 31, 2008

Analysis of:ACA wins more time from trading partners | www.ft.com

Implications: 1.Ability of claims-paying base is not in sequence with corporate and mortgage debt securities. 2.Bond Insurers: MBIA and AMBAC value basis of shares have fallen. 3.A Waiver of all collateral requirements has or may not be effective. 4.A massive sell-off of all asset-based collateralised debt obligations is a conclusion of survival. 5.ACA , now, has the second lowest junk-rating.

Payday Loans: New Rules

January 28, 2008

Analysis of:Beyond Payday Loans | online.wsj.com

Implications: 1.Higher fees for paycheck pay-out and high-priced loan repayments are, now, a disaster for the general public. 2. Financial Institutions gauge the public with insurmountable fees. 3.Thousands of dollars will be paid by the consumer for churning the salary into cash. 4.Responsible consumer decisions will be harder to make by the consumer: Terms and Condotions by Financial Institutions MAY become prohibitive. 5.Fees average 30 to 40 TIMES the AVERAGE credit card rate. 6.A material reduction in fees mat provide a vehicle for the average  household to plan for retirement and enhance the standard of living  for all generations. 

Risk Metrics: An Alternative

January 25, 2008

Analysis of:Collapse of the Subprime Mortgage Market Shines Spotlight on Risk Management and RiskMetrics | biz.yahoo.com

Implications: 1.Global Financial Markets - provision of risk management and corporate services by way of research. 2.Adequacy of data is imperative. 3.Appeal appears to be to benefits derived from a broadre market trend. 4.The PRIMARY focus - Corporate Governance Practices. A value - added proposition. 5.Research reports and analytical tools may hve to be revised as time progresses. 6.The ability to measure portfolio risk across security indicators, geography and the financial marketplace is a statistical tool , which will require revisions.

Mobile Banking: Enhance Consumer Financial Transactions

January 24, 2008

Analysis of:Credit unions join mobile banking bandwagon | news.moneycentral.msn.com

Implications: 1.Major thrust in building customer membership. 2.It is expected that the service will provide real-time savings and credit card information. 3.Security of access is a major challenge. 4.The development of a financial platform for delivery of payment services. 5.Customerization will be required for the application for each credit union. 6.This business effort may likely transform itself into a nation - wide effort.

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