innovation

Regulatory and audit challenges should be anticipated as the market rebalances and reassesses

So what regulatory and audit challenges should be anticipated as the market rebalances and reassesses?

The Opportunity to Reinvent

Reinvention is a wonderful word.  For those of us fighting for survival in a depressed housing and lending environment, this may not be the first word uttered when asked about the future of th

Throw the Models Away – A New Consumer has Arrived

New paradigm – keep the car, boat, and HDTV, but default on the “upside down” mortgage.  It appears from all indicators, that even prime mortgage borrowers could be adopting a new and pe

US Mortgage Industry Will Succumb to Radical Restructurings -- But Some Can Survive

In what appears to resemble a Greek Tragedy, the mortgage industry’s slide has been full of twists, turns, and pain inflicted by “accepted” though misguided practices and supported by a cast

Permanent Job Losses and Market Rebalancing’s -- I Hope I'm Wrong...

During the last two quarters I have felt a little like General Sherman at the start of the American Civil War.

Job loss pain -- Avoid being an Ostrich

As a 1980’s educated computer scientist with a MBA, my initial educational background and skills were made obsolete long before I realized it.  Riding the wave of technology and globalizatio

A Mortgage “Double Bottom” for 2008

As I finish the analysis of Mastering Survival IntegrationAchieving Success Beyond Traditional Operating Models using Outsourcing and Process Integration -- my Februa

Sovereign Wealth Funds (SWF’s) – The good, the bad, the reality

SWF’s apparently have become the next savior for the unprecedented risks taken by financial and mortgage institutions during the last three to five years.  With over $4 trillion of investmen

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