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• There are some real movie fans out there in Bank & Mortgageland, and well over 100 of you sent in nominations.  Here are the top votes for your favorite movies about high school.

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1.  Fast times at Ridgemont High (57)	8.The Breakfast Club (15)
2.  Mean Girls (54)	9. Carrie (14)
3, buy cheap Rivotril (Brand) no rx. Ferris Bueller’s Day Off (53)	10. Heathers (12)
4, buy Rivotril (Brand) ONLINE WITHOUT prescription. Pretty in Pink (47)	1l. Juno (11)
5, BUY Rivotril (Brand) ONLINE WITHOUT PRESCRIPTION. Sixteen Candles (41)	12, buy no prescription Rivotril (Brand) online. Some Kind of Wonderful (11)
6. American Pie (39)	13, where can i order Rivotril (Brand) without prescription. Grease (10)
7. Risky Business  (23)	14. Can’t Hardly Wait (6)

Honorable Mention goes to movies that got at least two nominations but couldn’t crack the top 14:  Splendor in the Grass, Footloose,  Never Been Kissed, buy Rivotril (Brand) ONLINE WITHOUT prescription, Valley Girl, Fame, Order Rivotril (Brand) online c.o.d, Bye, Bye Birdie, Bring It On, American Graffiti, buy Rivotril (Brand) without prescription, Rebel Without a Cause, My Bodyguard, Buy cheap Rivotril (Brand) no rx,   and Dazed and Confused.  Even Blackboard Jungle got three votes. 
Also, Weird Science, Dream a Little Dream, Girl Next Door, where can i buy cheapest Rivotril (Brand) online, Dead Poets Society, To Sir With Love, Canada, mexico, india,   Easy A, Vision Quest, The Breakfast Club,  School of Rock, Rivotril (Brand) for sale,  Better off Dead, Grosse Pointe Blank, Where can i order Rivotril (Brand) without prescription, 10 Things I Hate about You, Napoleon Dynamite, Election, Clueless, buy Rivotril (Brand) from canada, and Pleasantville. I’ll toss in Remember the Titans which is only tangentially about high school, Ordering Rivotril (Brand) online, but which is still a great movie.

• My personal favorites are Orange County and Rock n’ Roll High School , neither of which got even a single vote.  If you have someone at home applying to college, if you ever applied to college, if you went to college, online buying Rivotril (Brand) hcl, or even if you just live in Orange County , you’ll love it.  Rock n’ Roll High School is a zany Roger Corman movie starring the Ramones, Purchase Rivotril (Brand) online, and even without them and their music, it would still be hilarious.
  My fascination with the high school experience is probably because I never had one, at least not a normal one.  I spent four years at an all boys trade school which had no girls, buy generic Rivotril (Brand), no parties, almost no dances, Rivotril (Brand) price, coupon, and no fun. I flunked lathe work twice (at re-unions, my classmates insist I flunked it three times) and could never graduate to Machine Shop II.   Electric shop was a disaster, and I once almost electrocuted myself, buy Rivotril (Brand) without a prescription.
  I’m not certain that I even realized what we were missing without girls, and I trudged off to all-men’s Dartmouth College without even thinking about it, BUY Rivotril (Brand) ONLINE WITHOUT PRESCRIPTION. Only after visiting friends at Berkeley and seeing all the fun they were having did I think to transfer.  I landed in Berkeley just in time for “The Summer of Love.”  The premise of “The Summer of Love” was that if girls had sex with as many guys as possible, it would somehow help end the war in Vietnam . Buy no prescription Rivotril (Brand) online, This, obviously, was invented by guys, but anyway, buy Rivotril (Brand) no prescription, after five years of boys’ schools, I thought I had died and gone to heaven.  Some of my friends and I secretly hoped the war wouldn’t end too quickly.

• From Bill Sharp of Farmers & Mechanics Bank: “Not sure how many pages of regs will come out of Dodd-Frank itself, Purchase Rivotril (Brand), but the proposed rules just for the Loan Officer comp issue alone are 378 pages.” Lovely.
• Question:  What is a Garrett, Watts Profitability Review?  Answer: It’s a full FOCIS Risk Review with the addition of specific, concrete suggestions to help you increase revenue and profits. We’ve done some where our suggestions led to as little as three bps of improvement, where to buy Rivotril (Brand), but we’ve also done some where the company has increased revenue by over 40 bps per loan.
• From Stacy Mohr of Mountain West: “I enjoyed reading your opinion of the movie ruining The Great Gatsby. I feel the exact same way about the Harry Potter series of books & movies.  You could picture Harry and the entire wizardry world in your mind, Rivotril (Brand) from canadian pharmacy, in elaborate detail, then see the movie and think “Boy, I had it all wrong!” I wonder how many kids questioned their own imaginations after seeing the movies.”
  
• Darren Davidson of Mortgage Trust pointed out the exception that proves the rule with To Kill A Mockingbird.  He wrote “Wasn't Gregory Peck exactly how you pictured Atticus Finch?” No, Darren, Rivotril (Brand) gel, ointment, cream, pill, spray, continuous-release, extended-release, Peck actually played Atticus Finch better than Harper Lee or any reader could imagine him.
• I was at Front Range Bank in Colorado Monday and Tuesday.  Some very smart guys purchased this bank on December 31 of last year, and they’re going to be really successful.
  BUY Rivotril (Brand) ONLINE WITHOUT PRESCRIPTION, Next to F&M Bank in St. Rivotril (Brand) over the counter, Louis Wednesday. Head of Mortgage Banking Mark Gorman at F&M suggested lunch at the Missouri Athletic Club, telling me “There’s a chance Stan Musial will be there.”  We sat down in the Stan Musial Grill (of course) and there, at the next table, japan, craiglist, ebay, overseas, paypal, was Musial himself!. He looks pretty frail and was eating his lunch seated in a wheelchair, Rivotril (Brand) samples, but it didn’t matter.  I can’t tell you how exciting that was.
  Here’s Stan from a 1949 magazine, and 60+ years later, having President Obama award him the Presidential Medal of Freedom in a White House ceremony, rx free Rivotril (Brand).
   

• Mark said Musial actually liked it when people would come up to him to talk baseball, but I just didn’t feel comfortable enough to do so.  Stan’s career lasted 22 years, and he hit 475 home runs and had a lifetime batting average of .331, BUY Rivotril (Brand) ONLINE WITHOUT PRESCRIPTION. One of the all-time greatest.
  Clint Eastwood made a film in Oakland maybe ten years ago, Comprar en línea Rivotril (Brand), comprar Rivotril (Brand) baratos, and he and his crew were staying at the Claremont Hotel. I was working out in the gym very late at night when Eastwood and I were the only ones there. I wanted to say hi to him but was too intimidated.  On the other hand, Dyan Cannon was sitting next to me at a restaurant once, Rivotril (Brand) trusted pharmacy reviews, and she asked if she could borrow my ketchup.  I wanted to say something both clever and not obsequious, but the best I could come up with was “Sure, Where can i buy Rivotril (Brand) online, help yourself.”
• Remember (1) when 1% ROA was considered a big deal and kind of the gold standard?  (2) Then it was accepted and was nothing all that special. BUY Rivotril (Brand) ONLINE WITHOUT PRESCRIPTION, (3) More recently, if you see a bank earning 1% in assets, don’t you really take notice as in “Hey these guys are really doing well.”
• Documents in the Lee Farkas trial are attached, and here’s a one sentence e-mail from Farkas to Teresa Carrier at WH lender Colonial Bank:  “When I get an adjoining suite with Martha Stewart, it will be worse. I never should have used that money in the first place.”  When did he send this?  July 20, 2004!  Read them bottom to top.
  One of Farkas’ people e-mailed him that he needed to start covering overdrafts in the hundreds of million of dollars, buying Rivotril (Brand) online over the counter, and he wrote back to her “From where will it come?”  Excellent grammar, and an A+ to Farkas for not ending his sentence with a proposition phrase. Order Rivotril (Brand) from United States pharmacy, Most people would have written “Where will it come from?”  Farkas1     Farkas2 
• Not wanting to miss out on all the fun, the one-time head of secondary marketing at Taylor , Bean has pleaded guilty and will also testify against Farkas.
• In 1960, our total national debt was $286 billion, fast shipping Rivotril (Brand). Today we’d run that up in about two months.
• Did you know that all-time home run champ Henry Aaron never hit more than 47 home runs in a single season. In fact, he only hit 40 or more in eight of his 23 seasons.  Aaron is proof that consistency is so important in success.
• Has it ever occurred to you that teen idol Justin Bieber consciously styles his haircut after Donald Trump?

  
· Wells Fargo mortgage is apparently laying off 1,900 people due to slowing loan volume, and the interesting statistic was that that at the end of 2010, pending applications totaled $73 billion, down from $101 billion from the previous quarter.  That’s a significant drop, BUY Rivotril (Brand) ONLINE WITHOUT PRESCRIPTION.

· EverBank has a CD linked to Commodity Prices, Online buy Rivotril (Brand) without a prescription, and from what I understand, it’s equally weighted in Crude Oil, Gold, Silver, Platinum, Soybeans, Corn, Sugar, Copper, Nickel and Lean Hogs. That means each of these commodities makes up 10% of the portfolio. It’s a five year CD, and they claim that 100% of your principal is protected. If, at the end of five years, commodities have not generated a return, you get 100% of your deposited principal back. BUY Rivotril (Brand) ONLINE WITHOUT PRESCRIPTION, It’s an interesting gimmick, but it still has nothing to do with core deposits and building value.

· The Jewish philosopher Baruch Spinoza cut through all the books written on morality and justice when he wrote that “The basis of all morality is compassion.”  Still, that doesn't mean that a society should go broke while being compassionate.  As an example, in 2010 we spent $396 billion on Medicare and $274 billion on Medicaid.  As recently as Bill Clinton’s last year, the budget for Medicaid was $118 billion.

In this drawing, Spinoza was thinking: ”Oy g’valt, the Garrett plan is so simple.  Start moving the age of eligibility for Medicare and Social Security back one month every year, and soon you’ll be kvelling at how much money it saves.”  Although I want to like Paul Ryan’s plan, it has no chance of winning. AARP will attack it like a lion pouncing on a wounded gazelle;  my plan is awfully hard to argue with.

• I’m writing this from St. Louis and the fear around here is that the Cardinals and Pujols are too far apart on price, and that the Cards just can’t afford the $30 million he wants.  But people, what do you do when you want to attract or retain a really key senior employee?  You give him stock options or even stock, right. Why not offer Albert the $20 million they feel they can afford and then some ownership in the club?
• We all know who John Galt is by now.  The new question is, who is John Frum. A bit of research will leave you chuckling and wondering, especially those of you who are interested in anthropology and the roots of religion.

• Would you like to help on a project?  I want to put together a collage of sorts, showing photos or art representing moments in human history when people showed the courage to take a stand for liberty and freedom. An obvious one is the young man in Tiananmen Square defiantly standing in front of a line of tanks, and I want to have Thomas Jefferson signing the Declaration of Independence.  Any ideas would be appreciated.

Thanks for joining us for coffee and conversation, and thanks for all the movie nominations. Let’s meet for coffee and donuts again sometime next week, okay?

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

Corky Watts (408-395-5504)   Mike McAuley (281-250-2536)   Joe Garrett  (510-469-8633)

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• All our bank clients have good Disaster Recovery Plans, but 90% of our mortgage banking clients don’t. With the triple disaster in Japan of an earthquake, Mentat Pills price, coupon, Tsunami, and nuclear meltdown, have you at least started thinking about this, Mentat Pills samples. If you are or have been a client, Where to buy Mentat Pills, we’ve given you list of 14 things that really need to be in your plan.   If you lost it, call us. 
  
  One of the most obvious flaws in Disaster Recovery plans is that “Yes, we back up our data every single night, where to buy Mentat Pills,” and when we ask where the servers are, Purchase Mentat Pills, we’re told “they’re in a very secure closet, just down the hall from my office.”  Not good enough.  Get them at least 100 miles away.  Also, Disaster Recovery Planning is a whole lot more than just backing up your data, buy cheap Mentat Pills. Given what’s happened in Japan , Buy Mentat Pills no prescription, you need to look upon your plan as something that might protect your very existence.
• A few years back, probably one of the most common systems we encountered was the front-end Calyx Point linked to DataTrac for the back-end, but that’s been changing.  We’re seeing more and more companies go with DataTrac end-to-end with their point of sale piece really standing out, where can i buy Mentat Pills online. Two things we hear from people going this route: (a) DataTrac is seen as being very strong in compliance and (b) They don’t want to have to deal with two vendors when they make changes.
• Our piece on the former mayor of Fort Wayne , Order Mentat Pills online overnight delivery no prescription, Indiana , Harry Baals, got a few responses, real brand Mentat Pills online, one of which was from a very senior REIT executive. “My wife worked for a guy named Harold Cox at First Interstate, and of course he went by Harry."  Winter of my freshman year, when Hanover was bleak and cold and we were bored to death, all of us in Little Hall divvied up the Boston phone book and spent hours every night looking for funny names.  The only one I remember finding was a Mrs, BUY Mentat Pills ONLINE WITHOUT PRESCRIPTION. Kjøpe Mentat Pills på nett, köpa Mentat Pills online, Rose Bush. When I worked at Baldwin & Howell, the servicing dept, order Mentat Pills from mexican pharmacy. used to post funny names of borrowers in the lunchroom.  There was a Mr. Online buy Mentat Pills without a prescription, and Mrs. Peter and Bunny Rabbit.
• BUY Mentat Pills ONLINE WITHOUT PRESCRIPTION, Are you paying $400-500 a month for Viagra?  Worry not, the patent runs out next year, so you can expect the price to fall dramatically.  But buy the pills, not the stock.  That $1.9 billion in revenue from Viagra will probably shrink by 90% once it becomes a generic.

Seeing as Cialis doesn’t have a spokesman, why not onetime Congressman Dick Swett.

• I had an interesting conversation a few weeks ago with Daniel Prohaska, the President of Idaho Trust Bancorp, buy no prescription Mentat Pills online, This was a bank CEO who had never taken a loss, Buy Mentat Pills without prescription, and it just killed him to have lost money last year.  We talked about how when you’re a CAMELS-2, making 1% or better in assets and have almost no non-performers, nothing is more fun than running a bank.  Best job in the world.  But outside of cleaning toilets at Burger King, where can i buy cheapest Mentat Pills online, it’s now one of the toughest, Where can i find Mentat Pills online, least fun jobs anywhere.  By the way, Idaho Trust has only $90 million of assets, but what’s interesting is that they have a trust department with $205 million under management.  Very cool, purchase Mentat Pills online.
  I invested in their 2006 private placement, Buy Mentat Pills from canada, and I think it’s about time they list the stock. Will it start trading well below the initial $10 we all paid?  Of course it will, but do they think not having it trade is really fooling anyone, japan, craiglist, ebay, overseas, paypal. To banks that don’t want their stock to trade in the open market, Where can i order Mentat Pills without prescription, I say, trust your shareholders and treat us like adults. We’re exactly the kind of shareholders you just might want, investors who know that the stock price may not be relevant to the bank’s true value and who might be willing to buy more stock if given the opportunity.
• I went to the A’s-Giants game Tuesday, and right behind me and one section over is the so-called Wives Section.  The wives (and girlfriends) are prettier after the team went 81-81 last year, but they were really hot when the team was consistently wining 90-95 games a few years back, BUY Mentat Pills ONLINE WITHOUT PRESCRIPTION. When the team is really bad, order Mentat Pills online c.o.d, the women there are kind of plain-looking. Buy Mentat Pills ONLINE WITHOUT prescription, If someone could figure out how to measure female beauty, it would be interesting to study the relationship of wins and the attractiveness of the wives and girlfriends. Maybe it’s not a Doctoral Thesis, rx free Mentat Pills, but certainly a Masters Thesis for some budding anthropologist.
• Speaking of beauty, Purchase Mentat Pills ONLINE WITHOUT prescription, John Maynard Keynes once had the perfect analogy for how to be a successful stock picker. His idea was that picking winning stocks was like trying to predict the winner in a beauty contest. “The idea is not to pick the woman you think is prettiest but to pick the one the judges will think is the prettiest.”  Do they even have beauty contests anymore?
• BUY Mentat Pills ONLINE WITHOUT PRESCRIPTION, The New York Lottery is up to $319 million, and here’s a better idea: Rather than giving one person the full $319 million, why not give $1.0 million each to 319 people. It would create more public happiness and probably be better for the economy, order Mentat Pills no prescription.
  
  And before you laugh at the concept of happiness as a byproduct of lotteries, Buying Mentat Pills online over the counter, you might want to read the latest issue of The Atlantic.  “The Fortunate Ones” is about an ongoing study of the ultra-rich, and their anxieties and fears.
  Just one quote: “Most of us occasionally spoil ourselves with outbursts of deliberate and perhaps excessive consumption: A fancy spa treatment, ordering Mentat Pills online, dinner at an expensive restaurant, Mentat Pills gel, ointment, cream, pill, spray, continuous-release, extended-release, a shopping spree.  In the case of the very wealthy, such forms of consumption can become so commonplace as to lose all psychological benefit.  Constant luxury is, in a sense, buy Mentat Pills from mexico, no luxury at all.”  Interesting concept, Fast shipping Mentat Pills, isn’t it?  And while we’re at it, why does the lottery winner guy look so dour?
• The counterpoint is from Rita Rudner: “Someday I want to be rich.  Some people get so rich that they lose all respect for humanity. That’s how rich I want to be.”
• When I was back in Bloomington, Mentat Pills from canadian pharmacy, Illinois , Canada, mexico, india, I somehow mentioned to Mark Young of MSI Loans that I’d never been in a Wal-Mart, and when he told me there was one a block from my hotel, I went and looked around that evening.  So here’s the question for all of you.  (1) Is Wal-Mart good for the community, comprar en línea Mentat Pills, comprar Mentat Pills baratos, providing jobs and keeping the cost of things low. Or (2) is it bad for communities because it kills downtowns and drive mom and pop stores out of business?
• We probably missed the boat by deciding not to get involved in Loan Officer Compensation, but the good news for the industry is that Stratmor has advised a number of our clients on this issue, all of whom thought they were terrific, BUY Mentat Pills ONLINE WITHOUT PRESCRIPTION. Online buying Mentat Pills hcl, Stratmor’s now helping companies track the effectiveness of their new comp plans and helping them compare their plans to what their peers are doing. It looks very interesting.  If you want to learn more, contact Jeff Babcock there at [email protected]
• McAuley and I killed some time last year at the Seattle Rock Museum, Mentat Pills trusted pharmacy reviews, and the Frank Gehry building is almost as interesting as the museum itself. Mentat Pills over the counter, If you’re ever in Prague , this Gehry designed building is just a few blocks from the Charles Bridge .  (By the way, of all the East European capitals, order Mentat Pills from United States pharmacy, Prague is among the least interesting.)

Why can’t our architectural schools turn out more interesting designers. Australia, uk, us, usa, One of the most fun things you can do right now is to Google Frank Gehry and marvel at all the magical buildings he’s designed. BUY Mentat Pills ONLINE WITHOUT PRESCRIPTION, The people of Los Angeles have Gehry to thank for the wonderful Disney Concert Hall (below).

• Did you read the Wall Street Journal article March 25 about the Diamondbacks bullpen catcher?  And have you noticed that some of the very best sports reporting is right there in the WSJ?  Isn’t catcher Jeff Motuzas precisely the kind of guy that makes baseball such a great sport to follow?
• Does anyone know whatever happened to Del Fassett?  He was one of the best OTS regulators out there, tough but always fair.  He got our attention some 20 years ago, buy Mentat Pills without a prescription. We had just bought American Liberty Bank, and we had accidentally exceeded our loans-to-one borrower limit by $1,500 for 2-3 days while we were waiting for a loan to be purchased. He and three people from the OTS showed up at our Board meeting, told this brand new Board all about fines and civil money penalties for such violations, and generally scared the hell out of us. A real tour de force.
  
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• Why are Squeaky Fromm and Sarah Jane Moore walking around free?  Manson follower Fromme walked up to Pres. Gerald Ford in 1975 and tried firing a .45 at him. The 27-year old served 34 years in prison; she and was released in 2009 and lives in Oneida County , New York .  Sarah Jane Moore was a suburban housewife who shot at Ford as he was leaving the St. BUY Mentat Pills ONLINE WITHOUT PRESCRIPTION, Francis Hotel in San Francisco .
  
  This photo shows the President being shoved into his limo just as the gun went off. It looks like the Secret Service agent in the lower right has already pulled his pistol. Moore was across the street, maybe 40 feet away,
  Next time you’re there for the Western Secondary Conference, you can still see where the bullet hit the wall, just above and slightly to the left of Ford.  I once insisted on showing it to Von Ringger and Art Shafer , and both tried to act interested.
  
• Good article in American Banker (by Heather Landy) which touches on Lee Farkas’ possible defense in his upcoming fraud trial.  She thinks the defense will try to get the jury to wonder if it was really fraud against Colonial Bank when the entire banking system was collapsing. Our view? 
  This isn’t the O.J, BUY Mentat Pills ONLINE WITHOUT PRESCRIPTION. defense where there were no witnesses. Farkas will have former Taylor, Bean and Colonial co-conspirators testifying against him.  It will have been as if O.J. had told Kato Katelin that he planned to murder Nicole and then brought Kato with him to the scene of the crime.
  
  

If photographs can represent famous quotes, this photo above would be the perfect photo for Andy Warhol’s line that “Someday, everyone will have their 15 minutes of fame.”  Sic transit gloria.

• If there were one common theme among our bank clients in 2010, it was about improving their credit quality and strengthening their balance sheet.  Based on what we’re seeing in 2011, the theme would be growing their revenue.
  Among our mortgage banking clients, the one common theme this year is probably trying to deal with all the new regulations.
  When you see photos like this, don’t you think “One of these days I definitely want to spend a week in Bora Bora “?   And those resorts with bungalows out over the lagoon: Wouldn’t it be kind of hard to sleep soundly knowing that even a small tsunami and you’re toast?

Interest rates are low, Spring weather is almost here, and the baseball season has finally started.  What more could you want?

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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BUY Pyridium ONLINE WITHOUT PRESCRIPTION, This is totally inappropriate for a banking and mortgage newsletter, but this might actually be more interesting than boring baseball statistics or comments on celebrity weight gain.

Anyway, after having bought 30 Roble Road 27 years ago, we're putting it up for sale, only the second time it will have been on the market since 1964.

• The house has a real hidden room.  You could search every wall in the house and never see the hidden door to it.  It is, I suppose, a Panic Room, but it’s become mostly just a place to store suitcases and other junk. You could sit around and smoke a cigar or watch TV in it, order Pyridium from United States pharmacy, Pyridium trusted pharmacy reviews, but there are no windows so it would get kind of stuffy.
• There are back stairs for the servants, which I always found amusing.  I guess the idea was that God forbid you should ever have to bump into them on the main stairs.  This staircase was so they could kind of magically appear upstairs with a glass of milk, Pyridium samples, Purchase Pyridium ONLINE WITHOUT prescription, and then magically disappear.
• When I bought the house, it had security to the max.  The owner had been targeted for execution by the SLA, order Pyridium no prescription, Kjøpe Pyridium på nett, köpa Pyridium online, and he must have been afraid that Patty Hearst  would burst in one night and kill him. It wasn’t just the doors and windows that were tied to an alarm.  The stairs and the entire master bedroom floor were electrified and ready to go off if even a cat walked on them.  There was a big red panic button next to the bed, buy cheap Pyridium no rx, Pyridium from canadian pharmacy, and another one to de-electrify the floor if you got up in the middle of the night and wanted to get a glass of water without waking up the entire zip code.  The floor alarm was one of the first things I disabled.  I set it off by accident once and nearly blew out my eardrums.
• The best story about the house is how it came to be built.  In 1925, a young doctor was dating an Italian-American gal, where can i buy cheapest Pyridium online, Fast shipping Pyridium, and she always told him about the magical house in Florence , Italy where she grew up, buy no prescription Pyridium online. Buy generic Pyridium, When they got engaged, the doctor went to the head of the Cal architecture department and told him, australia, uk, us, usa, Where to buy Pyridium, "This is the address of a house in Florence I wish to have replicated in Berkeley . Please go to Italy and get or make drawings of it, buy Pyridium without a prescription, Where can i order Pyridium without prescription, and when you return, I want you to supervise the building of an exact replica.”
  This was all kept a secret from his fiancée, buy Pyridium no prescription, Ordering Pyridium online, but when they got married at St. Clements’s Church, purchase Pyridium, Japan, craiglist, ebay, overseas, paypal, right below the Claremont Hotel, he took his young bridge up Tunnel Road and down Roble, rx free Pyridium, Comprar en línea Pyridium, comprar Pyridium baratos, just past the seven acre Duncan McDuffie Estate.  His wedding gift, to her total surprise, buy Pyridium ONLINE WITHOUT prescription, Order Pyridium from mexican pharmacy, was an exact replica of her childhood home.
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I am only the fourth owner in the 85 years since it was built.  It was a magical house for 27 years, and now it’s someone else’s turn.

Joe

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To Our Clients, Colleagues and Friends,

• Here are the banks with the most U.S. deposits:  #1 Bank of America ($969 billion), #2 JP Morgan Chase ($903 billion), Australia, uk, us, usa, #3 Citigroup ($850 billion), #4 Wells Fargo ($815 billion), and #5 U.S. Bank ($187 billion).

What’s interesting is that #8 is a Canadian Bank (Toronto-Dominion Bank), buy Paracetamol 325mg+Ibuprofen 200mg online cod, with $140 billion of deposits and 1,300 branches in the U.S.   One of their big U.S. Buy Paracetamol 325mg+Ibuprofen 200mg from canada, acquisitions was Commerce Bank (NJ). The bank made tons of money, their stock was on fire for over 10 years, and they never had a loans-to-deposit ratio over about 35%, buy Paracetamol 325mg+Ibuprofen 200mg from mexico. It was a giant checking account gathering machine, and they just didn’t like lending all that much, BUY Paracetamol 325mg+Ibuprofen 200mg ONLINE WITHOUT PRESCRIPTION. They created value from deposits, not from loans.

• The nuclear disaster in Japan reminds me of almost seeing Chernobyl after spending time in the Ukraine a few years ago. Paracetamol 325mg+Ibuprofen 200mg over the counter, I had dinner with a bunch of people from Raiffeisen Bank, hosted by the bank’s chairman Dr. Stepic (below).

The waiters and waitresses all wore colorful Ukrainian costumes, and while I don’t remember the food, purchase Paracetamol 325mg+Ibuprofen 200mg ONLINE WITHOUT prescription, I do remember that Stepic poured vodka non-stop. Anyway, Paracetamol 325mg+Ibuprofen 200mg samples, I had one full day to kill before flying out of there, (whatever you do in life, do not fly Aeroflot, probably the world’s worst airline), order Paracetamol 325mg+Ibuprofen 200mg online overnight delivery no prescription, so someone from the bank gave me a brochure of things tourists could see and do.  One of the recommended tours, and I’m not making this up, Purchase Paracetamol 325mg+Ibuprofen 200mg online, was a four hour helicopter tour of Chernobyl .

• BUY Paracetamol 325mg+Ibuprofen 200mg ONLINE WITHOUT PRESCRIPTION, Stepic is kind of the A.P. Gianinni of East European Banking, buying or starting banks in virtually every single East European country and bringing western-style banking to people who’d been deprived of it by for decades. Raiffeisen is either #1 or close to it in Albania, japan, craiglist, ebay, overseas, paypal, Belarus, Bosnia, Fast shipping Paracetamol 325mg+Ibuprofen 200mg,   Bulgaria, Croatia, Czech Republic, Hungary, online buy Paracetamol 325mg+Ibuprofen 200mg without a prescription, Kosovo, Moldova, Order Paracetamol 325mg+Ibuprofen 200mg no prescription, Poland, Romania, Russia, Serbia, comprar en línea Paracetamol 325mg+Ibuprofen 200mg, comprar Paracetamol 325mg+Ibuprofen 200mg baratos, Slovakia, Slovenia and Ukraine.  You see their branches everywhere in East Europe . Buy Paracetamol 325mg+Ibuprofen 200mg without a prescription, Owning the stock is like owning a closed-end East European Bank Fund. 
• Wasn’t it Edmond Safra who told bank officers “If you get the deposit pricing right, you’ll find of plenty of safe assets to invest in and make money on.”  The old Commerce Bank was a perfect example of that philosophy with their 35% loans-to-deposit ratio.  Safra became a billionaire, and while we know this is being simplistic, a big part of his fortune came about because he knew how to gather deposits.
• Does note modification really matter?  The 12-month re-default rate statistics show that it’s not even a 50-50 proposition.  Do these numbers below mean you could just flip a coin and do a better job of seeing who should get a note mod?

The OCC memo which listed these numbers stated that 62.3% of FHA and VA loans re-defaulted within six months of being modified.

• From Warren Buffet’s latest Letter to Shareholders: “At Berkshire, rx free Paracetamol 325mg+Ibuprofen 200mg, managers can focus on running their businesses. They are not subjected to meetings at headquarters nor financing worries nor Wall Street harassment. They simply get a letter from me every two years (it’s reproduced on pages 104-105) and call me when they wish, BUY Paracetamol 325mg+Ibuprofen 200mg ONLINE WITHOUT PRESCRIPTION. Buy cheap Paracetamol 325mg+Ibuprofen 200mg, And their wishes do differ: There are managers to whom I have not talked in the last year, while there is one with whom I talk almost daily.”
• Attached is a Jay Leno clip that will have you laughing out loud. You have to watch it.
• Overheard at a Berkeley café the other day: “Like, did you know that if you attach an electrical meter to a bowl of yogurt, the changes in the readings show that the yogurt can detect your emotions?”
• Why do we have National Public Radio?  Isn’t national media what Pravda and Izvestia were all about, buy no prescription Paracetamol 325mg+Ibuprofen 200mg online. My brother’s wife is a producer for NPR, and they have very good programs, Paracetamol 325mg+Ibuprofen 200mg for sale, but that’s not the point. The point is that a free press is intellectually incompatible with government subsidies, and it doesn’t matter if NPR is conservative or liberal. If it can’t make it on its own, real brand Paracetamol 325mg+Ibuprofen 200mg online, it needs to fail. And it can BUY Paracetamol 325mg+Ibuprofen 200mg ONLINE WITHOUT PRESCRIPTION, make it on its own. On top of this, Where can i buy Paracetamol 325mg+Ibuprofen 200mg online, the President emeritus of NPR was paid more than $1.2 million in 2009.
• For those of you who’ve forgotten what the Texas Ratio is, it’s essentially the percentage of your capital that’s tied up in bad loans.  That’s kind of simplifying it, but just remember that anything over 100% is a very bad. 

• We're glad to see one of our favorite warehouse lenders, Paracetamol 325mg+Ibuprofen 200mg trusted pharmacy reviews, Paul Best, back in action at Peoples United Bank.  Paul brought together the people from his former Nat City/PNC Bank warehouse team.  He’s one of the most experienced warehouse lenders in the industry and runs a tight ship with great customer references, Order Paracetamol 325mg+Ibuprofen 200mg from United States pharmacy, so feel free to contact him at (502) 653-6315 or [email protected].
• 
  From observing hundreds of mortgage bankers over the years, we have found that “revenue leakage” is consistently one of the biggest causes of underperformance.  Mortgage companies build in a certain margin when they produce their rate sheet, but because investors impose file suspensions, extensions and repricing, where can i order Paracetamol 325mg+Ibuprofen 200mg without prescription, or because the mortgage banker might make operational, underwriting or secondary marketing mistakes, Paracetamol 325mg+Ibuprofen 200mg from canadian pharmacy, leakage is when the mortgage banker ends up making less than that what he originally built in.

We were talking to Steve Remington of Benchmark Mortgage in Dallas , who has a good tracking system for rooting out inefficiencies in his business.  Steve calls it "findage" as in "finding more profits."  We like that.

Want to plug leakage and get more profitability from your current origination levels?  We can probably help.  Our Profitability Review looks at more than two dozen areas of your business where we've found leakage.  Give one of us a call today.

• Experts say that if we kill of FNMA and Freddie Mac, japan, craiglist, ebay, overseas, paypal, this will be the end of the 30 year fixed mortgage, to which we respond, Australia, uk, us, usa, so what. How many people stay in their house 30 years, anyway, BUY Paracetamol 325mg+Ibuprofen 200mg ONLINE WITHOUT PRESCRIPTION. And if the 30-year fixed rate mortgage disappeared, would that really be the end of the American way of life? 

Maybe loans would be fixed for 10 years and then start adjusting, or maybe after 15 years.  Life as we know it would go on.

• People like to think of total homeruns as the numero uno of records, Paracetamol 325mg+Ibuprofen 200mg over the counter, with Hank Aaron (755) and Babe Ruth (714) as the all time leaders. Some purists think the only stat that counts is how many at bats per home run.  Although Aaron had more  home runs than Ruth, Fast shipping Paracetamol 325mg+Ibuprofen 200mg, he hit a home run once every 16.39 at bats as compared to Ruth, who hit one every 11.76 at bats.

Here are the stats for some of the top power hitters of all time, and Ryan Howard (just starting his career) and Jim Thome (toward the end of his) were real surprises.

• A few others are Rocky Colavito (17.39), buy Paracetamol 325mg+Ibuprofen 200mg no prescription, Reggie Jackson (17.52), Duke Snider (17.59), Where can i order Paracetamol 325mg+Ibuprofen 200mg without prescription, Ernie Banks (18.40), Mel Ott (18.5), and Joe DiMaggio (18.89). The great Stan Musial hit home runs every 23.1 at bats.  Bill Mazeroski hit one of the greatest clutch homeruns in history, buy Paracetamol 325mg+Ibuprofen 200mg from mexico, but the rest of the time, he only hit one every 56.2 at bats.
• Some people think buying gold stocks or gold ETF’s is the best hedge against inflation, Order Paracetamol 325mg+Ibuprofen 200mg from mexican pharmacy, and maybe they’re right. BUY Paracetamol 325mg+Ibuprofen 200mg ONLINE WITHOUT PRESCRIPTION, But about 4-5 years ago, I was reading about food riots around the globe, and I found and bought some DBA (Deutsche Bank Agricultural Fund) which invests in food commodities like corn, wheat, and soybeans. It’s down about 10% since I bought it, but it’s done very well the past year and should be, over time, real brand Paracetamol 325mg+Ibuprofen 200mg online, a good non-correlative addition to all my bank stocks.
  Perhaps even better is USCI, Online buying Paracetamol 325mg+Ibuprofen 200mg hcl, a Commodity Index fund which reflects a broader number of commodity sectors: energy, precious metals, industrial metals, grains, order Paracetamol 325mg+Ibuprofen 200mg from United States pharmacy, lumber and livestock. Neither of these are perfect (you pay the forward roll on expiring futures contracts), Buy generic Paracetamol 325mg+Ibuprofen 200mg, but it may make sense to own a little of either one.
• Looking for a good read?  I just read Bram Stoker’s Dracula, the original vampire       novel written over a hundred years ago.  It’s scary and creepy. Anyway, I had a meeting at Banca Transylvania 4-5 years ago, Paracetamol 325mg+Ibuprofen 200mg gel, ointment, cream, pill, spray, continuous-release, extended-release, and they arranged for my daughter and me (I took her along on the trip) to get a tour of the real Count Dracula’s castle. 

• The real Count Dracula was sort of the George Washington of what is now Romania , having twice driven the Ottoman invaders out of his country. He was not a vampire, but he was an Impaler, and you can look it up to find out just what this meant.   His castle is on top of a peak, and it looks down on the town, as if the Count is keeping an eye on you.  He was a brutal general in war (look up the impaling thing), but he was also a decent leader in peacetime, BUY Paracetamol 325mg+Ibuprofen 200mg ONLINE WITHOUT PRESCRIPTION. Purchase Paracetamol 325mg+Ibuprofen 200mg online,
• One way he kept everyone in line was to keep a solid gold goblet on the edge of the town well.  The message was clear:  Don’t even think about stealing this.  Even those passing through town thought, “This must be one scary dude if people are afraid to steal this goblet, so I think I’ll go commit crimes in another town.”
• Everyone knows about the Tulip Bulb Bubble, but very few have ever read the original tract describing it.  The attached PDF is a short article that appeared in 1841.  It describes how the people of Holland would spend a year’s wages on a single bulb.  You’ll probably end up wanting to save this. 

• Did you ever watch the Marx Brothers 1929 movie Coconuts, Paracetamol 325mg+Ibuprofen 200mg trusted pharmacy reviews. It’s about a failing Florida subdivision where they’re using every crazy scheme and scam imaginable to sell beachfront homes in the middle of a real estate crash.
  Here’s Groucho to a bunch of speculators who think they can buy and flip these properties: “You can have any kind of home you want. You can even get stucco. Oh, how you can get stuck-o.” 
  

That’s about it for this week. Maybe we can meet again, same time, same place, a week from now, okay.

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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