May 9th, 2011 · No Comments



BUY Black Cialis ONLINE WITHOUT PRESCRIPTION, To Our Clients, Colleagues and Friends: 

· Obama’s Director of the National Counter-Terrorism Center, Mike Leiter, was married two Saturdays ago in Washington, an event that had been months in the planning. The raid on Bid Laden got started within a few hours of his wedding. The wedding proceeded as planned, Order Black Cialis online overnight delivery no prescription, but he had to tell his bride that the honeymoon was postponed, “And, by the way” he presumably told her, “I can’t tell you why.”  Probably not a great way to start a marriage, where to buy Black Cialis. Hopefully she forgave him then next day when she found out he was very much involved in the Bin Laden raid.

· Tale of Two Cities:  PMI reported a quarterly loss of $127 million while Radian reported a profit of $103 million.  By the way, Tale of Two Cities, Buy Black Cialis ONLINE WITHOUT prescription, the story of the French Revolution, is still a good read.  And it may have the best opening line of any novel: “It was the best of times, it was the worst of times, it was the age of wisdom, australia, uk, us, usa, it was the age of foolishness… it was the season of light, it was the season of darkness, Black Cialis gel, ointment, cream, pill, spray, continuous-release, extended-release, it was the spring of hope, it was the winter of despair, we had everything before us, and we had nothing…”

· We got asked at the MBA conference in New York if leakage is the biggest part of our Profitability Reviews, buy no prescription Black Cialis online. The answer is that it’s typically a major source of underperformance, but that we look at a total of 14 areas that can potentially explain under-performance.  What needs to be fixed eventually becomes obvious, Rx free Black Cialis, and we almost always figure it out within the first two days.  As Ronald Reagan said, “There may not be easy answers to our problems, but there are simple ones.” 
One of these days our new website will be ready to go, and one of the quotes on it is from the owner of Arbor Mortgage in Michigan after we did a Profitability Review: “You told us exactly what we need to do, purchase Black Cialis, we followed your recommendations precisely, and our earnings grew more than we’d even hoped for. Thank you!”   Profitability Reviews really work.

· In 2001 the average independent mortgage banking company earned 60 bps, BUY Black Cialis ONLINE WITHOUT PRESCRIPTION. Fast shipping Black Cialis, If you earned anything less, you were below average. And who wants to be just average?

· I was in Carlisle , Pennsylvania with my daughter last week, real brand Black Cialis online, and she wanted to deposit a check in her M&T account. We found one of their ATM’s after hours, Where can i buy Black Cialis online, and it required that the check be placed in an envelope with a deposit slip. Wow.  I hadn’t seen those kinds of ATMs for years. Do younger people even know what a deposit slip is?  Younger people rarely use checks and do most of their banking electronically.  Secondary marketing executive Ellen Wilson graduated from college seven years ago and said she still hasn’t gone through her first book of checks.

BUY Black Cialis ONLINE WITHOUT PRESCRIPTION, · Cool bank name, Happy State Bank.  I thought at first it was meant to represent a state of happiness and bliss, but, no, it just happens to be located in the town of Happy , Texas .

· If credit unions were taxed as they should be, it would raise $30 billion over the next ten years, Black Cialis from canadian pharmacy. They must have really powerful lobbyists to keep Congress from taxing them. Hey, Buy Black Cialis without a prescription, $30 billion is real money.

· How long does it take for bankers to forget the lessons they learned from bad decisions?  Stupid loan programs are still fresh in everyone’s mind, but NASA Federal Credit Union is offering 100% mortgage loans to its members. Aren’t they supposed to wait 5-10 years before forgetting the recent disasters. If this credit union gets away with it, it will confirm what we have long thought, that the NCUA is the weakest of all bank regulators.

· Bluesman Robert Johnson (center) would have been 100 this week, BUY Black Cialis ONLINE WITHOUT PRESCRIPTION. As the legend goes, purchase Black Cialis online, he went down to a crossroads where he sold his soul to the devil in return for learning to play the blues. Johnson recorded only 21 songs before being poisoned by a jealous lover, Purchase Black Cialis ONLINE WITHOUT prescription, and he was dead at 27.  The truth is that Son House (left), not the devil, taught Robert Johnson how to play guitar. Son taught Robert Johnson, buy Black Cialis without prescription, and Johnson taught Bukka White, and Bukka then taught his cousin, Where can i find Black Cialis online, B.B. King. BUY Black Cialis ONLINE WITHOUT PRESCRIPTION, A very cool lineage. I put Son House on in a concert at Cal , with Bukka (right) on the same show, buy cheap Black Cialis.
Bukka stayed in my apartment for a week or so after his concert. He’d hang out in Sproul Plaza while I went to class, Buy Black Cialis no prescription, and when I’d come back, he’d inevitably have a small clump of students listening to him talk about growing up in the Mississippi Delta. He made up half the stuff (“Yeah, I had to knife him when I heard that he was messin’ with my woman…”) but it was great fun for him and students.  Someone gave him a Peace Sign that he wore around his neck all week, online buying Black Cialis hcl.
Back then, you couldn’t sell alcohol within one mile of campus, so when I’d head off to class in the morning, Bukka would walk down Channing Way with me.  I’d turn right onto College Avenue and walk two blocks to campus and he’d turn left and walk to a liquor store exactly a mile away to buy his bottle of whiskey, BUY Black Cialis ONLINE WITHOUT PRESCRIPTION. One day I met him on the Sproul Steps after class, and he was drinking his whiskey and smoking a joint with some students.  I was maybe one of three people on the entire campus who didn’t smoke pot, Black Cialis for sale, and I was not amused.
All three of these guys played with a bottle neck on their left pinky, and Son and Bukka played steel guitars.  If you’re in the right mood, nothing can be as haunting or as stirring as a slide guitar played with a broken-off glass bottle neck.  If you’re really interested in old blues guys, comprar en línea Black Cialis, comprar Black Cialis baratos, you can read the attached. I wrote it maybe 10-15 years ago, Buying Black Cialis online over the counter, but it’s still kind of fun.

· When Mike, Corky and I get asked about compliance, we tell mortgage lenders that they’re walking around with a target on their back. The Consumer Financial Protection Bureau is hiring lots of lawyers and lots of examiners, buy Black Cialis from canada, and they’re all going to want to nail some scalps to the wall.  Most banks do compliance well, but mortgage bankers only think they do.  You need a Compliance Czar, Buy cheap Black Cialis, one who has the final say on all things mortgage related.

BUY Black Cialis ONLINE WITHOUT PRESCRIPTION, · The deadline to raise the U.S. debt limit is only days away, and if Congress fails to do so, the government will be able to run on fumes till June, order Black Cialis online overnight delivery no prescription, with some analysts saying there’s enough cash on hand to last till August.  If some variation on this happens, what will banks do with their investment portfolios that are so filled with U.S. Rx free Black Cialis, Treasury securities. Will you add to reserves. Show them as temporarily impaired. What will you do if the rating agencies downgrade them, BUY Black Cialis ONLINE WITHOUT PRESCRIPTION. Have regulators given any guidance on this?

· Some good news on a very unpopular government program: TARP is almost at break even on its CPP program for banks, where to buy Black Cialis. A total of $205 billion was invested in 707 banks, and it has already earned back $204 billion.

· We have a Beverly Hills client and friend looking for a VP of Residential Mortgage Production. Online buying Black Cialis hcl, If successful, this person could eventually move up to be President.  Send resumes directly to Jeff Seabold ([email protected]). CS Financial is closely linked to a billion dollar bank and is kind of a lender to the stars.  When Justin Bieber gets his first loan, he’ll probably get it from CS.

· The great Willie Mays just turned 80, where can i buy cheapest Black Cialis online, and despite his age, he’ll always be the Say Hey Kid, Australia, uk, us, usa, the kid from Alabama with the infectious laugh. BUY Black Cialis ONLINE WITHOUT PRESCRIPTION, Willie Hit 660 home runs, made impossible catches in centerfield, had a rocket for an arm, led the league in stolen bases five times, and had a lifetime .302 average. Of those five skills (power, average, arm, order Black Cialis online c.o.d, defense and speed), no one did all of them all as well as Willie.  Many people believe he was the best all-around player to ever play the game.  So happy birthday, Where can i find Black Cialis online, Willie!  One of the great joys growing up in San Francisco was watching you play! 

· From a San Francisco Chronicle sports writer the other day:  “I think back to those countless dead-pull shots he rocketed into a stiff northwest wind at Candlestick.  He might have lost 100 home runs that way. Add nearly two seasons lost to the military, and you realize how easily it could have been Mays’ career home run record, not Babe Ruth’s, where to buy Black Cialis, that Hank Aaron pursued.”
Sounds logical right. We looked up his stats, Canada, mexico, india, and it was only 1952 he missed due to military service, hitting only four homers.  He hit 20 his first year (1951) and when he returned from the army in 1953, he hit 41 and then 51 the next year.  Looking at 20, 4, buy Black Cialis without a prescription, 41, and 51, Online buy Black Cialis without a prescription, it's very easy to assume he’d probably have hit at least 31 the year he spent mostly in the army.  Those extra 27 homers would have given him 687.
As for the horrible winds at Candlestick, Willie played there from 1958 to 1972, hitting 472 while in San Francisco, buy no prescription Black Cialis online. Yes, a fierce wind blew in from the Bay, but I once went through all his San Francisco statistics and found that he actually hit a few more at Candlestick than on the road.  The conventional wisdom was wrong.  So while I will always love Willie Mays, I don't think you can make an argument for his hitting 714 or even 755 home runs.

· Say it ain’t so, Lenny, say it ain't so.  Lenny Dykstra was just indicted on 13 counts of bankruptcy fraud and faces up to 80 years in prison, BUY Black Cialis ONLINE WITHOUT PRESCRIPTION. The all-star centerfielder for the Phillies and the Mets earned $36 million over a 12 year career, earning $6.1 million in each of his last four seasons. Black Cialis gel, ointment, cream, pill, spray, continuous-release, extended-release, What went wrong?

· Two more wonderful Frank Gehry buildings.  The first belongs to an ad agency in Venice , California and the one on the right is the Brain Research Center at the Cleveland Clinic.


            A little wackiness is a nice change in a world that’s often too bland.
A few thoughts on life from people we admire:  From actor Jack Lemmon: ”Failure rarely stops you. What stops you is fear of failure.” From F, buy cheap Black Cialis no rx. Scott Fitzgerald: “Never confuse a single defeat with a final defeat.” And from a man who should have been President, Bobby Kennedy: “Only those who dare to fail greatly can ever achieve greatly.”  Had he not been shot dead at age 43, Bobby would be 85 today.
                                                              *   *
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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