Entries Tagged as 'Garrett Watts'


May 23rd, 2011 · No Comments


garrettwatts (2)

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

  • Another correction: The Dorothy Parker poem last week should have been:  “I like to have a martini, two at the very most, after three I'm under the table, after four I'm under the host.”
  • Have you ever wondered about the proper spelling of Zions National Bank?  Shouldn’t there be an apostrophe before the “s” or maybe after it, or is it intentionally missing in action?  Thanks to an article in American Banker, the truth comes out: The apostrophe in the bank’s name was dropped when Zion ’s Savings Bank & Trust merged with First National Bank of Salt Lake City . When the dust settled, the apostrophe was gone. Kjøpe Meclizine på nett, köpa Meclizine online, And no one bothered to notify Spellcheck.
  • If New Jersey governor Christ Christie runs for and gets elected President, he’ll probably know more about mortgage securities than any other president since they were created.  His wife is a high powered MBS trader at Cantor Fitzgerald. 
    If Indiana governor Mitch Daniels becomes President, people can refer to the first Lady as his first and second wife.  He was married to Cheri Daniels for 15 years, then she divorced him and married some guy in California .  Three years later she divorced the California guy and remarried Daniels, online buy Meclizine without a prescription.
    And when Congressman Dennis Kucinich ran for the Democratic nomination four years ago, and if he’d gone on to become President, Order Meclizine from United States pharmacy, his wife would have been the only First Lady in history with a pierced tongue.
    I had an accidental lunch with Hillary Clinton in Estonia 6-7 years ago, and when I asked if she’d been there before, she said “I was once here with my husband.”  I thought that was very nice that she didn’t say “I was once here with the President” or “I came here when I was First Lady, canada, mexico, india,” that to her, he was just her husband.
  • Is the Bank of America glad that they bought Countrywide, Where to buy Meclizine, or do they curse Ken Lewis for doing the deal. One well-known analyst, Mike Mayo just suggested that Bank of America might declare bankruptcy for its Countrywide unit, BUY Meclizine ONLINE WITHOUT PRESCRIPTION. The direct costs are as follows:

Initial purchase price

$4.0   billion

Settlements with various regulators

$730  million

Repurchase reserves

$4.4   billion

Total cost, comprar en línea Meclizine, comprar Meclizine baratos, so far

$9.1   billion

In defense of BofA and Countrywide, these sorts of calculations don’t factor in all the incremental revenue the Countrywide team has produced. The real truth is that it would be hard to calculate the true net effect of the deal.

  • Of the Bank of America’s 1.3 million customers now 60 days behind on their mortgages, 86 percent were originated with Countrywide, order Meclizine from United States pharmacy. Holy tomato.
  • My daughter and I got last minute tickets to see Kylie Minogue, and what an extravaganza!  She was dressed as the goddess Aphrodite, Buy Meclizine without prescription, and when she sang from her golden chariot, it was being pulled across the stage by leather-bound slaves through a crowd of loin-clothed Spartans (lower right photo). The crowd was 80% men, 90% of whom were gay, Meclizine trusted pharmacy reviews, and more than a few were dressed like Kylie. BUY Meclizine ONLINE WITHOUT PRESCRIPTION, She‘s 41 but looks 21, a survivor of breast cancer surgery and chemo, and she has the kind of personality where you just know you’d like her. It’s a mystery why she’s a monstrous star in Europe but has never really captured the hearts of Americans.


Here’s Kylie gasping when she sees that this warrior wasn’t wearing much behind his shield. Japan, craiglist, ebay, overseas, paypal, And the photo on the right is how she made her initial appearance, singing in this giant shell as it rose from below the stage.

  • Some of you asked about our house at 30 Roble Road , and yes it sold, Meclizine for sale. We had an open house on a Sunday and looked at multiple offers the following Friday, five days later.  It was an overbid with 78% cash down payment and a quick three week close. What more could you ask for?  Thank you, Bebe McCrae, BUY Meclizine ONLINE WITHOUT PRESCRIPTION. Buy Meclizine from canada, She’s an incredible realtor.
  • I lived at 30 Roble Road for 7-8 years before getting married, and I used to have a Cal student live in the maid’s quarter a year at a time just to keep an eye on things.  I’d leave for work by 7:00 am and usually got home late, so these girls would walk the dog, bring in the mail, order Meclizine from mexican pharmacy, and probably do another 10 minutes of work each day in return for a free place to live.

One year I had a student who was starting on her Ph.D program in theoretical physics.  She was only 19, but as I learned later, Order Meclizine online overnight delivery no prescription, she was considered one of the most brilliant minds in her field. She was from Asia , a long ways from home, and lonely, purchase Meclizine. I rarely saw her, but one time when I did, Order Meclizine online c.o.d, she told me that she had a boyfriend now and wasn’t homesick anymore. It really changed her personality and her outlook. BUY Meclizine ONLINE WITHOUT PRESCRIPTION, Unfortunately, her giddiness turned to despair a month or two later when he dumped her, and she seemed very lost again. 
She used to cook wonderful Chinese food for me and leave it out in the kitchen for when I came home later.  One night she came out of her room to ask me if I liked it, and she said that if I’d get one of those long serrated bread knives, she’d bake some bread for me the way they did in the village she was from. I went to Macy’s and bought one the next weekend.

A few days later, I pulled up to the house, rx free Meclizine, and my neighbor, Marilee Johnson, Kjøpe Meclizine på nett, köpa Meclizine online, ran over and started talking to me wildly about something horrible that had happened with Ling.  There was a big pool of blood in front of the house, and while Marilee kept talking a mile a minute, I started walking and then running, following a trail of blood into the house and right to Ling’s room.  Furniture was overturned, australia, uk, us, usa, clothes and books strewn about, there was blood everywhere, Where can i buy cheapest Meclizine online, including the walls, and it was obvious that a life and death struggle had taken place.

Putting together what I heard from my neighbor, the police, Ling’s doctor and Ling herself, buy Meclizine from mexico, what happened was this: Ling lured her former boyfriend back to her room and into her bed, and she had hidden the serrated knife under her pillow. Buy no prescription Meclizine online, During sex, she reached under the pillow and slit his throat from ear to ear while he was on his back.

Somehow during the fight, the guy managed to make it to her door, where to buy Meclizine, and he was able to knock her backwards and get out of her room and out of the house. In her modesty, Where to buy Meclizine, Ling paused to put on panties, and those few seconds of modesty gave him a head start. Once she had her panties on, she charged out of the house, knife in hand, and caught up with him by the sidewalk, BUY Meclizine ONLINE WITHOUT PRESCRIPTION. He was naked and drenched in blood from the huge gash in his throat when Ling got to him on the sidewalk and tried to finish him off. Fortunately, buy Meclizine no prescription, Marilee Johnson was out gardening, saw this horrific scene, Where can i find Meclizine online, and dialed 911. By pure luck, a cruiser car was one block away.

When the cop jumped out his car and shouted at Ling to put down the knife, she slit both her wrists, where can i buy Meclizine online. What followed was equally bizarre, maybe more so.  Details next week. Phew!

  • BUY Meclizine ONLINE WITHOUT PRESCRIPTION, I think the key to successful investing is to buy stock in good companies and follow the company but pretty much ignore the stock price. Meclizine gel, ointment, cream, pill, spray, continuous-release, extended-release, Still, every once in awhile Ill check how my stocks are doing.  Just about everything I own is a bank stock, so I’ve really tried not to look the past three years, (don’t ask) but I did peek the other day.                               
    My best performer over the past year was Pacific Premier Bank ( Costa Mesa, Meclizine samples, CA ) up 42.8%. I like it even more today than when I first bought it. Order Meclizine no prescription,
    It was followed by #2 Raiffeisen International Bank (a holding company with banks in 17 different East European countries) up 32.6%, #3 ICICI Bank (India) up 28.2% and #4 Development Bank of Singapore up 20.3%. As for losers, boy did I have some.  I owned a few banks like Silver State Bank in Nevada that got shut down and Hanmi Financial where the stock lost 80% of its value and then was diluted further with a re-cap, canada, mexico, india. Of my survivors, I still have Westamerica Bank, down 13.4% in the last year.
  • Nice note from someone who bought my book: “I have thoroughly enjoyed your book, Eighteen Letters, BUY Meclizine ONLINE WITHOUT PRESCRIPTION. My daughter turns nineteen tomorrow and I can't tell you how many times your book has brought tears to my eyes and touched my soul, as I wish I had done as well to journal my thoughts to my daughter through the years. Buy Meclizine online cod, Thank you for publishing your book and the thoughts you have shared.” Cool.
  • Last week I mentioned that jumbo mortgage securitization guru Mike McMahon drove the 2-tone car on the left.  For those of you didn’t believe that it really belongs to Mike, here he is in another one of his cars on the right. That’s Mike behind the wheel, trying to look like a pimp or something, online buying Meclizine hcl.
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    Maybe someone could write a book called “The Secret Life of Bankers.”
  • Last week was graduation week here in Berkeley , and is there anything more uplifting than seeing students in caps and gowns with their proud parents by their side. Buy Meclizine without a prescription, You’d see these young people at local restaurants or just around town, still dressed in their graduation gowns, and it makes you feel optimistic about the future.
  • Just watched Knocked Up, and while it’s your basic raunchy Judd Apatow-Seth Rogen movie, Meclizine over the counter, when you think about it, it’s actually about family values.  Even the lovable slob stops being a loser and tries to become a responsible adult when a baby is on its way.  Just a thought.
                                                           *     *

Watch your costs, measure everything, and track your metrics over a twelve month period to spot trends.   If you can’t measure it, you can’t manage it! 
You don’t need to know about Kylie Minogue or what kind of car Mike McMahon drives, but you do need to remember this phrase, that you can’t manage it if you can’t measure it. We even saw a quote from Don Rumsfeld’s recent book in which he said “That which is measured, improves.”
And while we’re on the topic, make certain that your metrics are accurate.  Garbage in is still garbage out.  In our Profitability Reviews, we inevitably give the company the kinds of report templates they should have been using all along, templates that can help them figure things out on their own.  If you’re not doing as well as you think you should be doing and your financial reporting doesn’t explain why, your financial reports aren’t doing their job.

See you all pretty soon, and aren’t you glad the Rapture didn’t happen, just when loan volume is picking up?

                                                             *   *
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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Tags: Commentary · Garrett Watts


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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Tags: Commentary · Garrett Watts


April 21st, 2011 · No Comments





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

  • Onetime Cleveland Indian outfielder Oscar Gamble (on the left) was the first inductee into the Big Afro Hall of Fame.  Membership really hasn’t expanded much over the years, so we’re very pleased to nominate Oakland A’s outfielder Coco Crisp (middle photo).  First, how cool is it that his parents named him after a breakfast cereal, and second, as an A’s fan, could all that hair slow him down a bit on the base paths?  If wind resistance slows him by even half a second, it could cost the team a few runs during the season.

Coco has always worn his hair in corn rows, Lunesta price, coupon, and when he was asked if were going to keep his new Super Afro look, he said ”Yeah, if I can get my jersey over it.”

  • What’s wrong with the BofA, Lunesta trusted pharmacy reviews, and why won’t the Fed let them declare a dividend. Where can i buy cheapest Lunesta online, The Wall Street Journal gives one possible reason, and it’s a shocker: More than 85% of 1.3 million mortgages from Countrywide are now at least 90 days late on their payments. It might be believable at 10%, comprar en línea Lunesta, comprar Lunesta baratos, or even 15%, Canada, mexico, india, but 85% delinquencies???
  • When advising on bank acquisitions of mortgage companies, one of the many things we do is work on a very lengthy checklist. A bank in the northeast  did an acquisition without a checklist, order Lunesta online overnight delivery no prescription, and we got called in only after the deal closed and the problems surfaced.   The mortgage company somehow missed the fact that the  bank was not HUD approved for FHA loans.  A serious but fixable problem, Online buy Lunesta without a prescription, but one that could have been avoided with a proper checklist.   Whether it’s us or John Mulligan at Milestone, you really shouldn’t do an acquisition or merger without some experienced advisors on your side.
  • Who hit the most home runs at the youngest age?


Naturally, a few of you will write us to point out some we missed.

  • There’s always lots of publicity about banks and their Texas Ratios, order Lunesta no prescription, but you rarely hear what it is at the big ones:  U.S. Bank (24.4%), Bank of America (25.9%) and J.P, BUY Lunesta ONLINE WITHOUT PRESCRIPTION. Where to buy Lunesta, Morgan (22.4%).  Does anyone know what it is for Wells Fargo?
  • If we refuse to raise our debt ceiling by May 16, the full faith and credit of the United Stands will be very much at risk.  A first effect would be that trillions of treasury securities would be dumped (sending interest rates soaring) as there are trillions of these bonds  held by pension funds and insurance companies which legally cannot own the debt of an issuer in default.  When this was explained, 46% of Americans still said we still shouldn’t raise our debt ceiling, buying Lunesta online over the counter.
    When the WSJ/NBC New pollsters then explained that it would get worse, Buy Lunesta without prescription, when the pollsters follow up by telling the interviewees the consequence of  bills, benefits, government salaries, Lunesta samples, and interest not getting paid, Japan, craiglist, ebay, overseas, paypal, the public’s opposition in raising the debt ceiling  actually increased, to 62%.  Do we really want the government to default on its debt?
  • Conventional wisdom: In winning the California primary in 1968, Bobby Kennedy was going to be the Democratic nominee for President:  The truth: After winning the California primary, where to buy Lunesta, the delegate vote was 358 for Sen. Ordering Lunesta online, Gene McCarthy, 393 votes for Sen. Bobby Kennedy, buy Lunesta no prescription, and 561 for Vice President Hubert Humphrey. BUY Lunesta ONLINE WITHOUT PRESCRIPTION, Bobby might have won it had he not been assassinated, but it was hardly a sure thing.
  • A jury on Tuesday convicted Taylor, Bean owner Lee Farkas on all 14 counts in a $2.9 billion bank fraud trial. Order Lunesta from United States pharmacy, Farkas testified in his own defense at the trial and claimed he did nothing wrong, saying he was unfamiliar with details of his business.  Funny. The judge ordered marshals to take Farkas into custody immediately, canada, mexico, india, a relatively unusual step since most defendants are allowed to remain free until they are formally sentenced. Buy Lunesta without a prescription, The 58 year old Farkas will be sentenced July 1 and could spend the rest of his life in prison. The sentencing guidelines call for a 20-year sentence on each of the 14 counts.
  • UC Berkeley has sent out acceptance letters for next year’s freshman class, and the preliminary numbers are as follows:


Lots of Asian kids and their families should be very proud, where can i find Lunesta online. And three cheers for the 3.7% who refused to state their ethnicity.  This will never happen (like many of my ideas), but how about getting rid of this whole concept?  If the government wants to know what race you are, the only answer should be the human race.

  • Consolidation in mortgage servicing has been unrelenting.  In 1992, the top forty servicers had 28% of all 1-4 servicing, and today, it’s approaching 80%.
  • If you were to look for one mega-trend as the result of Dodd-Frank, it might be the return of portfolio lending.  All the signs point to higher relative yields, and banks, we think, will make loans that start adjusting after five, seven, or ten years and hold them as investments rather than making 30-year fixed loans and selling them.
  • One of the huge costs of the Defense Dept, BUY Lunesta ONLINE WITHOUT PRESCRIPTION. is maintaining military bases around the world, Order Lunesta online overnight delivery no prescription, but think about it. When we bombed Khadafy’s troops in Libya last month, we sent B-2 bombers (left) from their base in Missouri and B-2 bombers (right) from their bases in South Dakota, buy cheap Lunesta. Forward bases used to exist to fight a different kind of war, Lunesta over the counter, and we no longer need military outposts in Germany to hold back invading Russian tanks. 


Check out the Defense Department budget and you see that we have 865 foreign military forward bases, not including 163 in Iraq and Afghanistan .

  • LPS keeps statistics on all sorts of things mortgage-related, and one of the slightly more interesting ones is the average number of days that delinquent loans (those over 90 days late) have been delinquent.  In January 2008 it was 199 days, where to buy Lunesta, in March of 2010 it was 278 days, Lunesta trusted pharmacy reviews, and today it is 351 days.
  • There’s a really boring movie out (The Conspirator) about the trial of Lincoln ’s assassins; when they were found guilty, they were hanged within 24 hours.  Now, a guy will spend 10+ years on death row before being executed, where to buy Lunesta. We’re not taking a stand on this at all, Where can i buy Lunesta online, but the analogy to foreclosures is worth mentioning.  This isn’t about a man’s life.  After being delinquent 31 days, a borrower should be served as notice of default and he shouldn’t be allowed to go 351 days or more of living in the house for free. BUY Lunesta ONLINE WITHOUT PRESCRIPTION, The whole foreclosure process of 120 days or more is all about giving him a chance to catch up on his payment, a kind of drawn out appeal process.  Put another way, haven’t we made it too easy for borrowers in foreclosure to drag out the inevitable?
  • From the Ellie Mae IPO prospectus:


Congratulations to everyone involved there. Their Encompass and Encompass Bankers Edition are widely used and clearly are a close second to leader DataTrac, japan, craiglist, ebay, overseas, paypal. Ellie Mae generated around $43 million in revenue last year.

  • One of the best ways we know of for banks to generate high-quality mortgage assets is through mortgage warehouse lending. Lunesta from canadian pharmacy, These assets can be structured on your books as (1) commercial repo lines, (2) commercial lines of credit or (3) they can be structured as mortgages held for sale. We have three different ways to help you enter the business that include participations with top rated warehouse banks, buy Lunesta no prescription. Contact Mike McAuley at [email protected] or Joe Garrett at [email protected].
  • We recently caught up with Dave Davitch and his team at Home Finance of America in Philadelphia .  We've known Dave for several years and he's always run a tight, profitable shop focused on inbound internet leads.  Dave's very modest about his success but is obviously proud that his oldest son, Justin, has joined the company, BUY Lunesta ONLINE WITHOUT PRESCRIPTION. It's always good to see a new generation enter our business with the fresh perspective that they bring.
  • Does Donald Trump really think he’s electable?  What if clever opponents insist on having an outdoor debate one afternoon, Fast shipping Lunesta, knowing that the winds pick up during the day?


If good hair has anything to with winning the nomination, how about Mitt Romney?  Maybe even Coco Crisp, but not Donald Trump, buy Lunesta without prescription. How can he run for President if he can’t campaign outdoors on a windy day?

· The MBA Performance Study shows that 84% of the firms in the study posted pre-tax net financial profits in the fourth quarter.  If you were among the others, Lunesta price, coupon, the 16% who lost money, give some thought to bringing us in to do a Profitability Analysis.  Our recommendations may take you out of your comfort zone, but we’ll give you very specific ways to increase revenues and start making a profit, comprar en línea Lunesta, comprar Lunesta baratos. Take a look at the attached PDF.

· Let’s say you bought a smaller bank and needed someone to run it.  Wouldn’t John Eggemeyer be on your short list of people you’d want?  His PacWest Bancorp has a cost of funds of about 5.21%, Where can i order Lunesta without prescription, and they do everything right in building their deposit franchise.  This might make him a perfect example of just how devastating the financial crisis has been.  Book value was $39.42 per share at year-end 2006. Today, it is $13.06, Lunesta for sale. And he’s one of the best operators out there!

· When we wrote about wind resistance as an issue for Coco Crisp, Buy generic Lunesta, maybe you were thinking that this wouldn’t be a problem with his baseball cap on.  Think again.

Mike and I will be in Washington , D.C, buy Lunesta from mexico. , Purchase Lunesta, Baltimore and New York next week. We have pretty busy schedules at the MBA convention in New York , but let’s try to meet, Lunesta samples, however, briefly, for a coffee or a beer!

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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Tags: Commentary · Garrett Watts · Mortgage Market


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 (QCWise.com), 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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Tags: Commentary · Garrett Watts