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Consumer Credit: Hugh Losses

January 22, 2008

Analysis of:Citi turns attention to devastated consumer unit | www.marketwatch.com

Implications: 1. Rising Consumer defaults, Rising Energy costs, Higher Unemployment - Financial Crisis. 2.Share holder Earnings will suffer a hugh loss and, further , weaken the economy. 3.This financial activity will enforce the insitution to activate many other sell-offs of economic units. 4. All credit card firms MAY have to follow in the divestation of credit card lending. 5."Non-core" assets May be sold to salvage the financial conditionof the institution.

Global Credit Crunch: Cash Withdrawals

January 21, 2008

Analysis of:Credit crisis: £2bn fund bars withdrawals | www.thisismoney.co.uk

Implications: 1.Small investors will be unable to liquidate their cas position. 2.Customer withdrawals are at a significantly hugher level. 3.Regulator protection is crucial to success. 4.There is a very clear distinction between short term investors and long term investors in the marketplace. 5.Fears of a Recession are becoming more realistic to the internation marketplce. 6.A long or short term panic will impose penalties and/or notice periods for the investor by the regulatory authorities. 7. It may become impossible for institutions to raise liquidity under any circumstances.

Excess Supply: Strong Profits - Low Losses.

January 18, 2008

Analysis of:U.S. Reinsurance Renewal Rates Down 10%: Guy Carpenter | www.propertyandcasualtyinsurancenews.com

Implications: 1.Renewals of reinsurance contracts - buyers market. 2.A downward trend in rates is predicted for the U.S. and the European markets. 3.A hugh lack of catastrophic losses in many coverage areas caused a softening marketplace. 4.Complacency should not prevail in this business arena. 5.The subprime mortgage marketplace meltdown was one of many factors to include a modest impact by  Directors and Officers estimates. 6.There is a modest or less of a chance for increasing market share at the expense of totality.

Bank Reserves: Required - Huge Writedowns

January 16, 2008

Analysis of:Banks' Dim 4Q Results Roll in Next Week | biz.yahoo.com

Implications: 1.Empoyee layoffs are a casuality. 2.Raising Capital is of a critical importance. 3.Writedowns of multi-billion portfolios is a direct causation. 4.Dividend cuts will provide a worst-case situation for the individual investor. 5.Loan-loss reserves must be enhanced to brace for a major cahnge. 6.Sources of Income will deteriorate for major U.S. Financial Insitutions.

International Financial Markets: Risk or Opportunity

January 14, 2008

Analysis of:Private-Equity Firms Eye CICC Stake | online.wsj.com

Implications: 1.Access to foreign financial markets may be limited. 2.Private-equity funds are drawing wealth from international joint ventures. 3.The salient issue at hand is that of "control". 4.There is a critical interest - the maintenance of status for foreign joint interests. 5.Morgan Stanley is providing a point of entry for other Financial Institutions to join the rapidly growing international financial markewts.

A Recue Deal: Countrywide and Bank of America

January 14, 2008

Analysis of:Countrywide rescue: $4 billion | money.cnn.com

Implications: 1.Milestone in the unfolding International Financial Crisis. 2.Dangerous Spirral: a weakening economy and rising mortgage delinquencies survive on eachother. 3.Reduced spending and increased delinquencies by the average consumer has risen. 4.Failure of Countrywide would pose a major risk to the U.S. Economy. 5.Intervevtion by the Federal Reserve Bank is immenient. 6. Bankruptcy would cause a HUGH sift in the Financial Marketplace.

New Securities Joint Venture: China's Growing Financial Impact.

January 9, 2008

Analysis of:Morgan Stanley to Shed CICC Stake | online.wsj.com

Inplications: 1.Morgan Stanley's venture provides dividends but, not the appropriate access to China's business ventures. 2.International  Regulators are withholding access to joint-venture investments - a detriment. 3.Cash is the driver to boost capital investment. 4.Foreign investor's seek status as a joint venture to maintain business strategy. 5. US investor's desire a stake in the domestic , foreign domestic private-equity market.

Inability to Raise Funds:Dramatic Affect on all Credit Issues.

January 8, 2008

Analysis of:Blackstone PHH Takeover Stalls | www.bankingtimes.co.uk

Implications: 1.The inability to raise funds indicates a loos od "Good Faith" by Financial Institutions. 2. The sub-prime mortgage debacle has a spill-over affect on consumer lending criteria. 3.Cancellation of a pre-arranged lending arrangement has  enhanced the damage created by the fall-out from US subprime lenders. 4.The Lack of Support is, now, inevitable and will send a ripple throughout the Financial sector. 

Globalization of the Financial Marketplace - Fact.

January 7, 2008

Analysis of:2008 to see Islamic banking to rise by 20% | www.bankingtimes.co.uk

Implications: 1.Growth rates of  International Banking indicate massive expansion. 2.This matter will , clearly, identify Globalization of the Financial Services Industry. 3.Islamic Banking Institutions are in a exceptionally STRONG position to sustain the long-term. 4.A primary factor that acts as an inducement to investments is the credit issues abound within the US banking Institutions. 5 Most Financial markets will integrate with foriegn government entities.

Global Credit Crunch: Massive write-downs by US Banks

January 7, 2008

Analysis of:Credit squeeze set to hit big US banks | news.theage.com.au

Implications: 1.All growth estimates will have to be revised for the year 2008. 2.The fourth quarter forcasted estimates will have drastic implications - well into the year 2008. 3.Break-even analysis of write-downs may be obsolete and extensive. 4.Loss per share and profit per share will have a dramatic affect on shareholders. 5. Cash infusions by foreign entities will be the hidden agenda for success or failure of the marketplace.

Infusion of Foreign Capital: Poor Performance by a Major US Investment Bank

January 7, 2008

Analysis of:Temasek Supports Merrill Despite Sub-Prime Losses | www.bankingtimes.co.uk

Impications: 1. Sub-prime collapse is a major indicator of less than adequate performance by "management". 2."Expected" further growth by some financial institutions is questionble and , possibly , week. 3.It is , entirely, possible that foreign institutions will have a reasonable managemet exposure to decision-making by US based institutions. 4.As shares were trading higher in this week - a buy-in was allowed by lower price per share.

Property and Casualty Insurance: A View of the Future

January 4, 2008

Analysis of:P-C Profits Continue To Roll In, Says Best | www.propertyandcasualtyinsurancenews.com

Implications: 1.Undislosed - Deteriorating Underwriting Results. 2.Growing competition in the Industry is a very real scenerio. 3.The challenge of escaping the sub-prime mortgage crisis is , solely, dependent upon the Insurance  carriers Reserves. 4.The concept on continuing profits is undermined by the concept of continuing profits.

Merrill Lynch: A Cash Infusion by Foreign Entities

December 28, 2007

Analysis of:Merrill Gains on WSJ Report of Temasek Investment | www.bloomberg.com

Implications: 1.Additioanal Investment Options may be granted , which may lower the stocks trading price. 2.A Massive write-down of the financial value , as it relates to mortgage-related holdings. 3.Stock's trading price of Merrill Lynch has been lowered by almost 10% - shareholder value will reflect the same. 4.Ownership of the Merrill Lynch franchise is "at risk" by foreign capital infusion. 5. Write-downs of the US subprime mortgage holdings will continue - the salient issue is the length of time.

International Economy: Risks of Sovereign Wealth

December 27, 2007

Analysis of:UBS faces rebellion over fund injection | www.ft.com

Implications: 1.Anonymity - UBS Private Banking relationship with foreign wealth funds. 2.The extent of Massive losses wil have to be determined at a future date. 3.Writedowns on securities related to the US mortgage market must be clarified- $14bn?. A Hugh amount of money. 4.A "Total Re-Capitalization" may be required to find the critical balance of a ideal monetary structure. 5. Company Shareholders will not be able to maintain a critical balance.

Mortgage Meltdown: The Financial Marketplace in Turmoil

December 21, 2007

Analysis of:Morgan reports first-ever quarterly loss | www.crainsnewyork.com

Implications: 1.Government and Financial Regulators must restore confidence in the Sub - Prime Sector. 2.The U.S. Federal Reserve and European Central Banking Authorities must infuse large sums of money into the Marketplace. 3. Cash infusion is most likely to made by Foreign Institutions. 4.The Salient issue remains: Is this tactic a Smart or Unknowledgeable path for the Financial Marketplace. 5. Timing is of the Essence!

Credit Market Crisis: Stabilzation is Imperative

December 20, 2007

Analysis of:Money Market Rates Tumble; Central Banks Inject Funds (Update7) | www.bloomberg.com

Implications: 1.As time passes the Credit Market crisis may ease. 2.There will be a different impact on short-term lending vs long-term lending. 3.Money rates will take a higher postioning and a massive write- down of securities instruments. 4.The end result - measures for correction by the Central Bank are declining.

Massive Injection of Funds:Subprime Mortgages

December 18, 2007

Analysis of:UBS Hit With Shareholder Lawsuit Over Subprime | en.epochtimes.com

Implications 1.One of the largest largest subprime casualities of a major European Bank. 2.The FIRST full year operating loss , since the 1960's. 3.A Full Dilution of Earnings per Share in decades. 4.Credit Rating Agencies will flag this institution to mirror the loss. 5.Cash dividends will be replaced with a stock-based dividend.

Subprime Mortgage Holdings: Deficiency of Capital

December 17, 2007

Analysis of:XL Parent SCA Put On Watch By Fitch; $2B Must Be Raised | www.propertyandcasualtyinsurancenews.com

Impact. 1.Additional capital requirements will create a deficiency in working capital. 2.Return of Investment for Investors will suffer a negative setback. 3.Commitments for additional capital will have to be mitigated for al parties. 4.A Great Deal of uncertaintity will be created with a probable negative outcome.

Unavailability in the Capital Market: A Signal of Liquidity Shortage

December 17, 2007

Analysis of:HSBC enters Taiwanese market | www.ft.com

1.HSBC may find that that an international competitive position may draw - down on it's position of liquidity. 2.There is most likely an overexposure of HSBC in the international marketplace - there is no hard evidence that the institution will succeed in this endeavor. 3.To increase exposure to China will require a large infusion of capital assets , which are not easily accessable. 4.The end result may , likely, be an over extension of the institutions capital base and resulting share pricing.  

Assault on Credit Squeeze: An Increase Market Liquidity

December 17, 2007

Analysis of:Countrywide doubles foreclosures | www.ft.com

1. If the sub- prime markets are NOT controlled more cash MUST be made more readily to the Financial Markets. 2.Volatility within the marketplace will cause the Financial Traders to abandon defensive strategies. 3.Share prices will be lowered as illustrated by the price of energy. 4.Many gains in the S & P 500 by way of Indexed Straddles. 5.Commercial paper rates, while improving, are still at elevated levels.

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