April 16th, 2011 · 1 Comment



BUY Diamox ONLINE WITHOUT PRESCRIPTION, To Our Clients, Colleagues and Friends,

  • The most recent issue of The Findley Report quoted one banker that the regulations implementing Dodd-Frank will ultimately be 20,000 pages in length.  Is that all???  With eleven federal agencies involved in implementing it, maybe 20,000 pages will be on the low side.
  • Our view here is that the biggest challenge to banks in the years ahead will be finding good loans. We were with Chairmen or Presidents of three banks in Colorado and Missouri last week, and all of them brought this up.  Here’s an interesting note from yet another banker we know:
    “As for Redwood Trust's challenge (of getting banks to sell them jumbo mortgages), buy cheap Diamox no rx, I'm the CFO of a $4 billion bank and can tell you that with loan totals down $600 million from the peak, I am advocating that single family production be redirected into our portfolio (though not 30 year structures). Diamox gel, ointment, cream, pill, spray, continuous-release, extended-release, Banks are starving for reasonable yielding earning assets……”
  • What do you think about patents expiring after 20 years. Pfizer goes and spends a huge amount on research to develop a drug like Lipitor, and 20 years later, all their competitors get to make the same thing and sell it as a generic drug. 
    You don’t have to like the big drug companies to wonder at the fairness of it all.   Whether your creation is intellectual property or real property, order Diamox online overnight delivery no prescription, how dare the government put an expiration date on your ownership.
    Why should an innovator get to reap the reward of his efforts for only 20 years?  Why not forever?  Aren’t we punishing success, or at least constraining it, with a limited life of ownership of that which you create? 
    What if you built such a wonderful, unique house for your family that all your neighbors were jealous and wished they owned it?  Wouldn’t it be like your only getting to own it for 20 years and then being forced to turn it over to these neighbors?
  • One final thought on limiting ownership rights through:  Isn’t the very heart of capitalism the fact that people have the freedom to fail, and isn’t it this very freedom to fail that gives us the right and ability to succeed, BUY Diamox ONLINE WITHOUT PRESCRIPTION.
    Don’t the self-correcting, Where to buy Diamox, trial and error processes of capitalism work precisely because there are negative consequences of failure and potentially huge rewards for success?  Why, quite simply, limit success?
  • From the number two person at a small town client bank of ours which had a key employee leave.  “It’s the age old problem of small town banking. When a long time experienced person leaves, australia, uk, us, usa, how do you really replace them. You become captive to a very few people.”
  • We’ve done a number of turnarounds, Online buying Diamox hcl, and we just got a note from the CEO of a bank that brought us into a troubled mortgage banking company they owned. His quote will be on our new website one of these days, but it said something like “For crisis management, when you absolutely need something done and you need it done yesterday, canada, mexico, india, there’s no one like Garrett, Watts .”  Nice. BUY Diamox ONLINE WITHOUT PRESCRIPTION, The mortgage company’s President was threatening to leave (he did) and take his key people with him (he had started doing that), and we parachuted in the next day and took control of the entire company.  Pete Bonnikson was our guy on the ground, and he did a great job of stabilizing the place and preventing huge problems to the bank that owned it. Where can i buy cheapest Diamox online,
  • In the first quarter, 39 banks raised their dividend and only six banks cut or suspended theirs. Rising dividends show that the Board is confident in the banks health and that credits problem are largely behind it, so this is a good sign of better days to come.
  • Aside from the federal deficit, comprar en línea Diamox, comprar Diamox baratos, is there anything more disgraceful than the U.S. Tax Code. Diamox price, coupon, Most East European countries have a flat tax, and since their liberation from the Soviets, most of their economies have done remarkably well.  Maybe there’s a connection.  These flat taxes allow for no deductions, with everyone paying the exact, buy Diamox online cod, same rate.  Here are the taxes rates for individuals.


Even better is that Estonia has zero taxes on corporate earnings.

  • A certain James Plowman was born in 1838 and came to Hannibal , Missouri when he was 26.  In 1870, he founded what is now F&M Bank (Farmers and Merchants).  In 1948, his great grandson Bayard Plowman became an officer of the bank, and get this, it had all of 120 depositors, 60 loans, and $250,000 in total assets, BUY Diamox ONLINE WITHOUT PRESCRIPTION. Along the way, Where to buy Diamox, he put together mergers with four other banks and grew it to what is now the leading bank in Hannibal . He passed away this past February, still an active Board Chairman at age 88. Someday we hope history texts will have at least a paragraph or two on the role he played in the Civil Rights movement, buy Diamox without a prescription, what was truly the second American Revolution.
    Sometime in the 1960’s, Diamox trusted pharmacy reviews, his wife ran for the local school board on a ticket with an African-American man.  Angry depositors started taking their money out of the bank, and while we don’t know the precise details, Plowman stood up to them and refused to accede to their demands regarding his wife’s activities.  Plowman‘s courage was one of those not-so-little acts that added up to the civil rights revolution and the equal treatment of all Americans.

Farmers & Merchants survived the Banking Panics of 1873, 1893 (when 503 banks failed), buy Diamox ONLINE WITHOUT prescription, and 1907, WWI, Buy Diamox no prescription, The Great Depression, and WWII, and Bayard Plowman was not about to allow prejudiced depositors to destroy his bank with a massive run on deposits. BUY Diamox ONLINE WITHOUT PRESCRIPTION, Courage shows itself in many ways, and someone should nominate him for a Profiles in Courageaward.
Bayard’s son Stevens Plowman is the President of the bank today, purchase Diamox ONLINE WITHOUT prescription, a bank founded in 1870 which has been in the family the full 130 years!  Long live the family-owned community bank.

  • When we ask mortgage and commercial bankers about what they do best, many talk about personal service.  The best exampleever of personal service took place at City National Bank in Los Angeles .  The story is roughly that in 1963, Purchase Diamox, Frank Sinatra’s son was kidnapped, with a ransom demand for $240,000 (the equivalent of $1.7 million today).
    As the story goes, buy Diamox without prescription, Sinatra called all the big name banks in L.A. to borrow the money, Where can i find Diamox online, all of whom gave him the run-around as in, “Why don’t you have your people send us your financial statement” and so on.  He finally called then-tiny City National Bank and got CEO Bram Goldsmith on the line.  “Get down here right away” Goldsmith told him “and by time you get here, we’ll have the cash ready for you.”
    After that, Sinatra told all his Hollywood friends that they had to do their banking with City National, where can i buy Diamox online, and today, almost fifty years later, Rx free Diamox, it’s a hugely successful bank ($21 billion in assets) with a reputation for being the bank for the entertainment industry.
  • My one time seeing Sinatra was when I was in grad school.  I lived next door to a couple who wore white saffron robes and really tall bee-hive turbans. Not your basic Indian or Sikh turbans, but more of a Berkeley-cult turban.  They lived in the 4-plex next to me and very much kept to themselves. One day, the woman, roughly my age, knocked on my door and told me (1) she had tickets to see Sinatra at the Circle Star Theater, (2) she’d broken up with her boyfriend, and (3) would I like to go with her, BUY Diamox ONLINE WITHOUT PRESCRIPTION. She was pretty strange looking, real brand Diamox online, even for Berkeley , but hey, Diamox over the counter, a Sinatra performance sounded fun. Even with all the loud, crazy music of the 60’s, a good Sinatra album was always helpful in your basic make-out sessions. 
    She kind of looked like this guy below (but without the beard), kjøpe Diamox på nett, köpa Diamox online, with a very loose and flowing white blouse and white pants that were more like saffron wrapped around her legs. She also smelled of Patchouli oil, Purchase Diamox online, perhaps the very worst thing about being alive in the 60’s!  Tear gas and Patchouli oil are the two smells I remember from that entire decade.
    There’s a part of me that thinks she and her boyfriend were involved in the cult that committed suicide near San Diego while waiting to be transported to some spaceship. BUY Diamox ONLINE WITHOUT PRESCRIPTION, (By the way, when they were found, all the men had castrated themselves, but that’s another story).   Anyway, I went with her, and Sinatra put on a great show.  My “date” was very nice actually, but I wore sunglasses on the absurd notion that if people saw me with her, they somehow wouldn’t recognize me.  Anyway, that’s my Sinatra story. The City National one is much more interesting.
  • For a really weird story, Far East National Bank was once struggling to raise needed capital, buying Diamox online over the counter, and in the middle of all this, their Chairman, Buy Diamox from canada, Henry Hwang, was kidnapped and his bank paid the ransom. No one ever found the kidnappers, but the Chairman showed up, where can i order Diamox without prescription, claiming he’d escaped, and guess what?  He suddenly had the capital they needed. Buy cheap Diamox, What a coincidence that the ransom amount was almost exactly the amount of capital the bank needed to raise. I don’t think he was ever charged with faking his own kidnapping, but a lot of people thought he had.  
  • Rob Chrisman points out that “Every licensed LO out there will have a track record, using the NMLS, buy Diamox from mexico, of loans paying on time, loans delinquent, Order Diamox online c.o.d, loans in foreclosure, loans that pay off early, etc.”  Think about it. In time, this data will be unbelievably valuable when recruiting loan officers.  You’ll see who produces good loans, and the bad ones won’t be able to hide.  You might want to have your H.R, BUY Diamox ONLINE WITHOUT PRESCRIPTION. departments getting ready for this.
  • I just volunteered to help my daughter’s college at a local College Fair, Diamox from canadian pharmacy, and it was great fun.  We started out in a classroom with maybe 20 kids, all juniors wanting to learn about the admissions process.  There was a Regina George type for sure, Diamox samples, maybe two, one Shaun Brumder, one Jeff Spicoli wannabe, 2-3 jocks, online buy Diamox without a prescription, Riff Randell and the usual group of nerds.  Life imitates art.
  • From Larry Sorenson:  “Mike Patriarca is at Promontory. Diamox price, coupon, I worked with him at OTS in SF back in the 80's. He did good things and challenged the stale, out-dated and rather uninspired culture that existed in the organization.”
  • If you’re not thrilled with your Quality Control functions, you may want to take a look at QC Wise (, buy Diamox no prescription, a national quality control outsourcing company that looks interesting to us.  We really like their dashboard reports, and also that they offer a complete review of investor repurchase demands along with expert rebuttals.  Might be worth contacting them. I think Dave Pritchard is the guy you want to talk to.
  • BUY Diamox ONLINE WITHOUT PRESCRIPTION, For that Palm Springs mortgage ops job, we got too many resumes to respond to each of you. Diamox for sale, The bank hired someone with 20+ years of experience, the perfect person for the job, a real find.  For everyone else, thank you, rx free Diamox, and remember that when looking for a job, persistence and optimism always pay off.
  • Question:  What do these guys have in common?  Sammy Sosa (609 home runs), Purchase Diamox online, Manny Ramirez (556 home runs), Roger Clemens (354 wins and 4,672 strikeouts), Mark McGwire (583 home runs), Barry Bonds (762 home runs), and Rafael Palmeiro (569 home runs).
    Answer: All were stupendous natural talents, and it’s doubtful that any of them will ever make it to the Hall of Fame because of steroids.   
    And what’s with Sosa’s skin.
    Sammy insists he’s not trying to look like Michael Jackson, but it kind of looks like it, doesn’t it? 
    A few high profile black guys turn sort of white and the tabloids go bananas. Meanwhile, millions of white people are trying to get tan for summer, and no one blinks an eye.  Crazy.

Well, thanks for joining us this morning. We’ll probably see you next Tuesday, maybe Wednesday.


Helping lenders increase revenues, control costs, and better manage risk.

Joe Garrett      (510-469-8633)

Corky Watts     (408-395-5504)

Mike McAuley   (281-250-2536) 


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1 response so far ↓

  • 1 Laura Morton // Apr 16, 2011 at 7:23 am

    Don’t waste your tears for the drug companies. Lipitor is a profitable product. The drug company will make their profits in years 1 through 20. The generics will come on board and try and make a few dollars. The price of the drug drops. The consumer benefits. It’s a win-win situation for all the players.

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