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<generator>Blogsmith http://www.blogsmith.com/</generator><item><title><![CDATA[Want a safe bet in the mortgage world? Try the Amish]]></title><link>http://www.bloggingstocks.com/2008/12/12/want-a-safe-bet-in-the-mortgage-world-try-the-amish/</link><guid isPermaLink="true">http://www.bloggingstocks.com/2008/12/12/want-a-safe-bet-in-the-mortgage-world-try-the-amish/</guid><comments>http://www.bloggingstocks.com/2008/12/12/want-a-safe-bet-in-the-mortgage-world-try-the-amish/#comments</comments><description><![CDATA[<p>Filed under: <a href="http://www.bloggingstocks.com/category/agriculture/" rel="tag">Agriculture</a></p>The entire planet's mortgage crisis could have been so easily averted.<br /><br />If only all of us were Amish.<br /><br />While I dream of a world filled with people who honor the land and decry technology that is unnecessary (did you know? The Amish do use technology, but only if it's <em>necessary</em> -- milking machines, yes; Hummers, no), I understand that you can't unring our media- and technology-addicted culture's bell. On the other hand, it's great to be the mortgage banker to the Amish. <a href="http://www.npr.org/templates/story/story.php?storyId=98156907">Bill O'Brien, mortgage banker at the Hometowne Heritage Bank</a>, has had one late payment this year in his $100 million portfolio. A few <em>days</em> late. And he's never had a loss on an Amish loan.<br /><br />The risk profile is great, sure, but the work is hard, he says; he puts 1,000 miles each week on his car servicing his clients. (Sort of ironic, I think, given the Amish don't drive.) Interestingly, the Amish mortgages can't be jammed into CDOs or other securitized packages; due to an obscure legal rule, mortgages for homes without electricity, or homes that aren't insured, can't be securitized.<br /><br />What can other mortgage bankers learn from O'Brien? Instead of relying on credit histories and scores or proof of financial stability, he talks to the borrower's father, and usually his father-in-law, too. "It takes a team to make a farm go," he tells NPR. If only if all of our families could operate in that manner.<p style="padding:5px;background:#ddd;border:1px solid #ccc;clear:both;"><a href="http://www.bloggingstocks.com/2008/12/12/want-a-safe-bet-in-the-mortgage-world-try-the-amish/">Want a safe bet in the mortgage world? Try the Amish</a> originally appeared on <a href="http://www.bloggingstocks.com">BloggingStocks</a> on Fri, 12 Dec 2008 17:42:00 EST.  Please see our <a href="http://www.weblogsinc.com/feed-terms/">terms for use of feeds</a>.</p><h6 style="clear: both; padding: 8px 0 0 0; height: 2px; font-size: 1px; border: 0; margin: 0; padding: 0;"></h6><a href=http://www.npr.org/templates/story/story.php?storyId=98156907>Read</a>&nbsp;|&nbsp;<a href="http://www.bloggingstocks.com/2008/12/12/want-a-safe-bet-in-the-mortgage-world-try-the-amish/" rel="bookmark" title="Permanent link to this entry">Permalink</a>&nbsp;|&nbsp;<a href="http://www.bloggingstocks.com/forward/1399997/" title="Send this entry to a friend via email">Email this</a>&nbsp;|&nbsp;<a href="http://www.bloggingstocks.com/2008/12/12/want-a-safe-bet-in-the-mortgage-world-try-the-amish/#comments" title="View reader comments on this entry">Comments</a>]]></description><category>amish</category><category>mortgage</category><category>mortgage broker</category><category>MortgageBroker</category><category>npr</category><category>pennsylvania</category><dc:creator><![CDATA[Sarah Gilbert]]></dc:creator><pubDate>Fri, 12 Dec 2008 17:42:00 EST</pubDate></item><item><title><![CDATA[Battle of the Brands: CNN vs. Fox (and MSNBC too)]]></title><link>http://www.bloggingstocks.com/2008/05/01/battle-of-the-brands-cnn-vs-fox-and-msnbc-too/</link><guid isPermaLink="true">http://www.bloggingstocks.com/2008/05/01/battle-of-the-brands-cnn-vs-fox-and-msnbc-too/</guid><comments>http://www.bloggingstocks.com/2008/05/01/battle-of-the-brands-cnn-vs-fox-and-msnbc-too/#comments</comments><description><![CDATA[<p>Filed under: <a href="http://www.bloggingstocks.com/category/management/" rel="tag">Management</a>, <a href="http://www.bloggingstocks.com/category/competitive-strategy/" rel="tag">Competitive Strategy</a>, <a href="http://www.bloggingstocks.com/category/ge/" rel="tag">General Electric (GE)</a>, <a href="http://www.bloggingstocks.com/category/twx/" rel="tag">Time Warner (TWX)</a>, <a href="http://www.bloggingstocks.com/category/nws/" rel="tag">News Corp'B' (NWS)</a>, <a href="http://www.bloggingstocks.com/category/battle-of-the-brands/" rel="tag">Battle of the Brands</a></p><p><em><img alt="" hspace="4" src="http://www.blogcdn.com/www.bloggingstocks.com/media/2008/04/battle-cnn-fox-200x267dr.jpg" align="right" vspace="4" border="1" />This post is part of our <strong><a href="http://money.aol.com/investing/battle-for-best-brands">Battle of the Brands</a></strong> feature. Let us know which brand you prefer, and check out other Battle of the Brands posts.</em></p>
<p>The heads of CNN, Fox News, and MSNBC along with their corporate masters at <a href="http://finance.aol.com/quotes/time-warner-inc/twx/nys">Time Warner Inc.</a> (NYSE: <a href="http://finance.aol.com/quotes/time-warner-inc/twx/nys">TWX</a>), <a href="http://finance.aol.com/quotes/news-corporation/nws/nys">News Corp.</a> (NYSE: <a href="http://finance.aol.com/quotes/news-corporation/nws/nys">NWS</a>) and <a href="http://finance.aol.com/quotes/general-electric-company/ge/nys">General Electric Co.</a> (NYSE: <a href="http://finance.aol.com/quotes/general-electric-company/ge/nys">GE</a>) must be giggling with delight at the prospect of the Democratic presidential race continuing past the hotly contested race in Pennsylvania.</p>
<p>After all, controversy means more viewers, which of course means more advertising dollars. They probably wish that the Democrats would beat each other up in 30-second TV spots every year, but alas Americans elect a president every four years, which is probably a good thing for everybody. Still, the cable networks are going to ride this gravy train for as long as they can.</p>
<p>Like anything else in cable news, picking a winner in this battle of the brands depends on how you look at it. Fox, the home of Bill O'Reilly and Shepherd Smith, attracted 1.89 million viewers during Monday's prime time, the most of any network, according to Nielsen data cited by <a href="http://www.mediabistro.com/tvnewser/ratings/the_scoreboard_monday_apr_21_83047.asp">TVNewser</a>. CNN attracted 1.03 million on its main network and 572,000 on its Headline News channel, while MSNBC was watched by 676,000.</p>
<p>Before conservatives start declaring Fox the top cable network yet again, remember that statistic does not represent the whole picture. Cable news advertisers are most interested in viewers aged 25 to 54 who are most likely to be interested in buying mutual funds and other products that they are shilling. That's where things get interesting.</p><p><a href="http://www.bloggingstocks.com/2008/05/01/battle-of-the-brands-cnn-vs-fox-and-msnbc-too/" rel="bookmark">Continue reading <em>Battle of the Brands: CNN vs. Fox (and MSNBC too)</em></a></p><p style="padding:5px;background:#ddd;border:1px solid #ccc;clear:both;"><a href="http://www.bloggingstocks.com/2008/05/01/battle-of-the-brands-cnn-vs-fox-and-msnbc-too/">Battle of the Brands: CNN vs. Fox (and MSNBC too)</a> originally appeared on <a href="http://www.bloggingstocks.com">BloggingStocks</a> on Thu, 01 May 2008 19:00:00 EST.  Please see our <a href="http://www.weblogsinc.com/feed-terms/">terms for use of feeds</a>.</p><h6 style="clear: both; padding: 8px 0 0 0; height: 2px; font-size: 1px; border: 0; margin: 0; padding: 0;"></h6><a href="http://www.bloggingstocks.com/2008/05/01/battle-of-the-brands-cnn-vs-fox-and-msnbc-too/" rel="bookmark" title="Permanent link to this entry">Permalink</a>&nbsp;|&nbsp;<a href="http://www.bloggingstocks.com/forward/1175861/" title="Send this entry to a friend via email">Email this</a>&nbsp;|&nbsp;<a href="http://www.bloggingstocks.com/2008/05/01/battle-of-the-brands-cnn-vs-fox-and-msnbc-too/#comments" title="View reader comments on this entry">Comments</a>]]></description><category>Battle of the Brands</category><category>cnn</category><category>cnn headline news</category><category>fox</category><category>fox news</category><category>ge</category><category>msnbc</category><category>npr</category><category>nws</category><category>twx</category><dc:creator><![CDATA[Jonathan Berr]]></dc:creator><pubDate>Thu, 01 May 2008 19:00:00 EST</pubDate></item><item><title><![CDATA[Will home prices fall 20%?]]></title><link>http://www.bloggingstocks.com/2007/04/05/will-home-prices-fall-20/</link><guid isPermaLink="true">http://www.bloggingstocks.com/2007/04/05/will-home-prices-fall-20/</guid><comments>http://www.bloggingstocks.com/2007/04/05/will-home-prices-fall-20/#comments</comments><description><![CDATA[<p>Filed under: <a href="http://www.bloggingstocks.com/category/economic-data/" rel="tag">Economic Data</a></p><p>I was listening to <a href="http://marketplace.publicradio.org/shows/2007/04/05/AM200704051.html">NPR's <em>Marketplace</em></a> this morning only to be assaulted by a stunning statistic -- Bill Gross, the manager of the largest bond fund, <a href="http://www.iht.com/articles/2007/04/03/bloomberg/bxfund.php">$102 billion Pimco Total Return Fund</a>, thinks that housing prices could fall 20%. Is Gross right? If so, what should you do?</p>
<p>Gross's assumption is that 2003 was the last time home prices were 'normal' -- based on lower interest rates and demographics. He believes that since then, prices have jumped above that normal value and will therefore drop 20% in order to get back to where they belong. (This is not just idle speculation: home prices in Irvine, CA have already sunk <a href="http://www.marketoracle.co.uk/Article697.html">17%</a> since June.) Gross believes that despite the Fed's talk of inflation vigilance, such a drop in housing prices will lead the Fed to cut interest rates from 5.25% to 4% to cushion the economic pain.</p>
<p>I think Gross may be right. As I've noted <a href="http://www.bloggingstocks.com/2007/03/07/parsing-paulsons-pablum/">here</a>, inflation continues to be a problem. But the Fed seems to be counting on an economic slowdown to solve the problem. And if housing prices do fall 20%, the economic impact may cause the Fed's fear of <strong><em>deflation </em></strong>to exceed its fear of <strong><em>inflation</em></strong> -- due to excess productive capacity in the U.S. economy.</p>
<p>What you should do depends on your situation. If you were thinking of buying a house, wait two years so you can buy after prices have tumbled and sellers are more desperate. If you must sell, cut your price and get out immediately. If you can wait to sell -- I would suggest holding for at least a decade which is how long I think it will take for things to return to normal.</p>
<p>I think 2007 is the year when home owners will be jolted into the realization that trees do not grow to the sky and prices can indeed drop. What do you think?</p>
<p><em>Peter Cohan is President of</em> <a href="http://petercohan.com/"><em>Peter S. Cohan &amp; Associates</em></a><em>, a management consulting and venture capital firm. He also </em><a href="http://www3.babson.edu/Academics/Divisions/management/facultyprofile.cfm?pageid=391236"><em>teaches management at Babson College</em></a><em> and edits </em><a href="http://petercohan.blogspot.com/2007/01/cohan-letter-up-15-in-2006.html"><em>The Cohan Letter</em></a><em>. </em></p><p style="padding:5px;background:#ddd;border:1px solid #ccc;clear:both;"><a href="http://www.bloggingstocks.com/2007/04/05/will-home-prices-fall-20/">Will home prices fall 20%?</a> originally appeared on <a href="http://www.bloggingstocks.com">BloggingStocks</a> on Thu, 05 Apr 2007 12:31:00 EST.  Please see our <a href="http://www.weblogsinc.com/feed-terms/">terms for use of feeds</a>.</p><h6 style="clear: both; padding: 8px 0 0 0; height: 2px; font-size: 1px; border: 0; margin: 0; padding: 0;"></h6><a href="http://www.bloggingstocks.com/2007/04/05/will-home-prices-fall-20/" rel="bookmark" title="Permanent link to this entry">Permalink</a>&nbsp;|&nbsp;<a href="http://www.bloggingstocks.com/forward/867883/" title="Send this entry to a friend via email">Email this</a>&nbsp;|&nbsp;<a href="http://www.bloggingstocks.com/2007/04/05/will-home-prices-fall-20/#comments" title="View reader comments on this entry">Comments</a>]]></description><category>Bill Gross</category><category>BillGross</category><category>housing bubble</category><category>housing prices</category><category>HousingBubble</category><category>HousingPrices</category><category>Marketplace</category><category>NPR</category><category>Pimco Total Return Fund</category><category>PimcoTotalReturnFund</category><dc:creator><![CDATA[Peter Cohan]]></dc:creator><pubDate>Thu, 05 Apr 2007 12:31:00 EST</pubDate></item><item><title><![CDATA[NPR - not only on Sirius]]></title><link>http://www.bloggingstocks.com/2006/08/10/npr-not-only-on-sirius/</link><guid isPermaLink="true">http://www.bloggingstocks.com/2006/08/10/npr-not-only-on-sirius/</guid><comments>http://www.bloggingstocks.com/2006/08/10/npr-not-only-on-sirius/#comments</comments><description><![CDATA[<p>Filed under: <a href="http://www.bloggingstocks.com/category/deals/" rel="tag">Deals</a>, <a href="http://www.bloggingstocks.com/category/products-and-services/" rel="tag">Products and Services</a>, <a href="http://www.bloggingstocks.com/category/xmsr/" rel="tag">XM Satellite Radio (XMSR)</a>, <a href="http://www.bloggingstocks.com/category/siri/" rel="tag">Sirius Satellite Radio (SIRI)</a></p><img id="vimage_2" height="143" alt="Sirius Logo" hspace="4" src="http://www.blogcdn.com/www.bloggingstocks.com/media/2006/08/sirius_logo.gif" width="200" align="right" vspace="4" border="0" />Programming differences between Sirius (<a title="SIRI: Sirius Satellite Radio Quote, News &amp; Summary - AOL Money &amp; Finance" href="http://aolsvc.pf.aol.com/usw/quotes/quotesandnews?sym=siri&amp;exch=NAS">SIRI</a>) and XM (<a title="XMSR: XM Satellite Radio Holdings'A' Quote, News &amp; Summary - AOL Money &amp; Finance" href="http://aolsvc.pf.aol.com/usw/quotes/quotesandnews?sym=xmsr&amp;exch=NAS">XMSR</a>) remain a <a href="http://ge.bloggingstocks.com/2006/07/17/sirius-closing-gap-with-xm/#comments">fierce area of debate</a> for partisans of either satellite radio service. <a href="http://www.associatedcontent.com/article/47768/satellite_radio_xm_or_sirius_which.html">Libby Pelham</a> has a good basic write up for those considering subscribing to one or the other. Those considering either stock as an investment for the first time will want to take a look. She makes one slight mistake however, say NPR is "only" on Sirius. I'm sure she means on only Sirius <span style="FONT-STYLE: italic">of the two services,</span> because, of course, NPR is available on terrestrial radio throughout most of the U.S. XM also carries content available free over the airwaves, such as <a href="http://www.xmradio.com/programming/channel_page.jsp?ch=167">Air America</a>, the liberal talk network broadcast terrestrially in (shall we say) <span style="FONT-STYLE: italic">select </span>markets.<br /><br />Carrying non-exclusive content on the subscription services is a huge value. With next-to-unlimited channels available, these offerings to not shunt aside original content, and the convenience, familiarity, and a consistent signal, mean that this type of programming enhances the brand value of the service -- whichever you may prefer to consider , whether as subscriber or investor.<br /><br /><em>Michael Canfield is a private investor, a business and media writer, living in Seattle. He </em><em><a href="http://www.bloggingstocks.com/2006/07/27/about-the-stock-bloggers-michael-canfield/">doesn't own stock</a> in Sirius or XM</em><em>. </em><p style="padding:5px;background:#ddd;border:1px solid #ccc;clear:both;"><a href="http://www.bloggingstocks.com/2006/08/10/npr-not-only-on-sirius/">NPR - not only on Sirius</a> originally appeared on <a href="http://www.bloggingstocks.com">BloggingStocks</a> on Thu, 10 Aug 2006 15:46:00 EST.  Please see our <a href="http://www.weblogsinc.com/feed-terms/">terms for use of feeds</a>.</p><h6 style="clear: both; padding: 8px 0 0 0; height: 2px; font-size: 1px; border: 0; margin: 0; padding: 0;"></h6><a href=http://www.associatedcontent.com/article/47768/satellite_radio_xm_or_sirius_which.html>Read</a>&nbsp;|&nbsp;<a href="http://www.bloggingstocks.com/2006/08/10/npr-not-only-on-sirius/" rel="bookmark" title="Permanent link to this entry">Permalink</a>&nbsp;|&nbsp;<a href="http://www.bloggingstocks.com/forward/653108/" title="Send this entry to a friend via email">Email this</a>&nbsp;|&nbsp;<a href="http://www.bloggingstocks.com/2006/08/10/npr-not-only-on-sirius/#comments" title="View reader comments on this entry">Comments</a>]]></description><category>Air America</category><category>AirAmerica</category><category>digital radio</category><category>DigitalRadio</category><category>npr</category><category>radio</category><category>satellite radio</category><category>satellite radio wars</category><category>SatelliteRadio</category><category>SatelliteRadioWars</category><category>sirius</category><category>xm</category><dc:creator><![CDATA[Michael Canfield]]></dc:creator><pubDate>Thu, 10 Aug 2006 15:46:00 EST</pubDate></item><item><title><![CDATA[IPod audio books and podcasts booming]]></title><link>http://www.bloggingstocks.com/2006/05/11/ipod-audio-books-and-podcasts-booming/</link><guid isPermaLink="true">http://www.bloggingstocks.com/2006/05/11/ipod-audio-books-and-podcasts-booming/</guid><comments>http://www.bloggingstocks.com/2006/05/11/ipod-audio-books-and-podcasts-booming/#comments</comments><description><![CDATA[<p>Filed under: <a href="http://www.bloggingstocks.com/category/earnings-reports/" rel="tag">Earnings Reports</a>, <a href="http://www.bloggingstocks.com/category/other-issues/" rel="tag">Other Issues</a>, <a href="http://www.bloggingstocks.com/category/competitive-strategy/" rel="tag">Competitive Strategy</a>, <a href="http://www.bloggingstocks.com/category/aapl/" rel="tag">Apple Inc (AAPL)</a>, <a href="http://www.bloggingstocks.com/category/xmsr/" rel="tag">XM Satellite Radio (XMSR)</a>, <a href="http://www.bloggingstocks.com/category/siri/" rel="tag">Sirius Satellite Radio (SIRI)</a></p><p><img align="right" src="http://images.apple.com/pr/products/images/ref_05ipod_fam.jpg" alt="" />Here are two facts for Apple shareholders to think about:</p>
<ul>
    <li><a href="http://phx.corporate-ir.net/phoenix.zhtml?p=irol-eventDetails&amp;c=87484&amp;eventID=1299632">23% of Audible.com's sales </a>were generated via the Apple iTunes Music Store.&nbsp; That's $4.4 million.&nbsp; Audible's current partnership as <a href="http://www.apple.com/pr/library/2003/oct/16audible.html">Apple's sole provider </a>of spoken word audio to the Apple iTunes Music Store ends in 2007. </li>
    <li>NPR, reports that in the single month of April <a href="http://www.washingtonian.com/buzz/2006/0509.html">6 million podcasts were grabbed from their site</a>, 20 million since the media organization began podcasting last August.</li>
</ul>
<p>What these two milestones for their respective companies show is just how&nbsp;ubiquitousness the iPod has become in digital media. It is not only a by-product of an emerging technology, but rather a vehicle aiding in driving change and technological evolution -- in this case, via spoken word audio and new media broadcasting alongside front running technologies such as satellite radio (XM, Sirius).</p><p style="padding:5px;background:#ddd;border:1px solid #ccc;clear:both;"><a href="http://www.bloggingstocks.com/2006/05/11/ipod-audio-books-and-podcasts-booming/">IPod audio books and podcasts booming</a> originally appeared on <a href="http://www.bloggingstocks.com">BloggingStocks</a> on Thu, 11 May 2006 15:08:00 EST.  Please see our <a href="http://www.weblogsinc.com/feed-terms/">terms for use of feeds</a>.</p><h6 style="clear: both; padding: 8px 0 0 0; height: 2px; font-size: 1px; border: 0; margin: 0; padding: 0;"></h6><a href=http://www.marketwatch.com/News/Story/Story.aspx?guid=%7BB66274CB%2DBE97%2D4F97%2D94FF%2DD59BFD239764%7D&amp;source=blq%2Fyhoo&amp;dist=yhoo&amp;siteid=yhoo>Read</a>&nbsp;|&nbsp;<a href="http://www.bloggingstocks.com/2006/05/11/ipod-audio-books-and-podcasts-booming/" rel="bookmark" title="Permanent link to this entry">Permalink</a>&nbsp;|&nbsp;<a href="http://www.bloggingstocks.com/forward/617294/" title="Send this entry to a friend via email">Email this</a>&nbsp;|&nbsp;<a href="http://www.bloggingstocks.com/2006/05/11/ipod-audio-books-and-podcasts-booming/#comments" title="View reader comments on this entry">Comments</a>]]></description><category>audible</category><category>ipod</category><category>npr</category><category>podcasts</category><dc:creator><![CDATA[Howard Tsung]]></dc:creator><pubDate>Thu, 11 May 2006 15:08:00 EST</pubDate></item></channel></rss>
