Statistics can be misleading. An acquaintance was stopped for drunk driving last week and appeared before the judge on Tuesday. The judge admonished him that 40% of all auto fatalities are related to drunk driving. My friend told the judge that that means (since 60% of auto fatalities involve sober driving) he has a better […]

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Short sales happen when a lender agrees to accept less than the amount owed by the borrower – there is not enough equity to sell the house and pay all the costs of the sale. Some lenders will not consider a short sale if the payments are current, and in addition may try to tap […]

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To Our Clients, Colleagues and Friends:
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· The credit card business is one, tough business.  The industry mailed out 612 million solicitations in September and typically mails about 6-7 billion pieces a year. The industry-wide response rate was 40 bps last month, and fully half of the offers included a 0% teaser rate. At the Bank […]

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MBA, Negative Rates, NYT Graphic, Simple As That, Hear It Pop
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MBA Expresses ‘Deep Concern’ Over Proposed GSE Delivery Fees - has links to letters sent by MBA to GSEs - housingwire
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good chart - Real Interest Rates Are Negative … Subtract the 12-month change in the consumer price index from the month-end CBOE 10-year Treasury Note […]

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Arthur is 90 years old. He’s played golf every day since his retirement 25 years ago.  One day he arrives home looking downcast. “That’s it”, he tells his wife. “I’m giving up golf. My eyesight has gotten so bad…. once I’ve hit the ball, I can’t see where it went.” His wife sympathizes, and pours […]

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To those of you new to the list, I have been sending this out for quite a few years. Here are all of our cards from 1984 until now.
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(Watch our daughters grow up, and enjoy our clothes reflecting styles in the 1980’s and early 90’s)
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                                      http://www.billcoppedge.com/family/
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All the best to you this season. It has been […]

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