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November 26, 2007

Business Philosphy

Usually we do not look for poetry in the business bank checks category, but this day it’s different. In case you are not familiar with the Wizard of Ads run by Roy Williams, he runs a communications workshop that is second to none. You can Google Wizard of Ads and find his site and perhaps get his weekly memo called the “MondayMorningMemo to your email address.

Anyhow, this business philosophy poetry deserves your review:

Wrong Turn Taken on the Straight and Narrow

by Roy H. Williams

In the Land of the Way Things Ought to Be
I’m handsome and wealthy and strong and free.
But in the Land of the Way Things Really Are
I’m struggling and awkward, a bit bizarre.

I threw a party, invited my friends
From the Land of the Way It Might Have Been.
They were heartbroken. A man named Regret
Said they had gotten all they would get.

An Ambassador came, toupee in hand
From nostalgic Way-It-Used-to-Be Land,
Whose sad power comes from cellophane tape
On the box from which we try to escape.

War was declared by the Land of Who Cares
On the Used-to-Be, and all that is theirs.
“You don’t matter at all!” the Who-Cares cried,
“You said we had to, but we found you lied!”

Then there came from the Way It’s Always Been
Ten clones who bellowed, “Transgression and sin!”
They put their strength on the Used-to-Be side,
Shouting as one, “By these rules we abide!”

Onto the scene from the Land of Up Yours
Ran ten independents into the wars
Whose only concern was not being held
To standards imposed by heads that are swelled.

And all of this caused a deeper chagrin
Among those of the Way It Might Have Been.
“Can’t we all be friends?” they asked with big eyes,
Amidst the Up-Yours shouts and the Who-Cares cries.

But their pleas were drowned by the blood and noise
Of the late-arriving Gonna-Be boys
Whose only agenda was loud and long
Dismissal of those who said they were wrong.

And into the darkness the sparks did fly
And lifted like prayers into the sky
‘Til God stuck his fingers into his ears
And from his mouth flowed the music of spheres:

The sound of planets in orbit whirling,
The sound of lavender sunsets swirling,
The sound of smoke from a campfire curling,
The sound of a wondrous truth unfurling.

But none hears the music as they collide
Shouting “Beauty Herself is on our side!”
None hears the music. Not one of these Kings
Sees beauty in what the other one brings.

And the battle does rage, bubble and fizz
In the Land of the Way It Always Is.

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September 27, 2007

Credit Delinquencies

We thought we’d check on credit card delinquency rate percentages. Sometimes you just forget and a payment slips through the cracks. And well do you know the next month when you get hammered with the HUGE late fee. Credit card delinquencies are at 4.39 percent. So you are not alone.

Checking the overall delinquency rate, including auto and home equity loans is only 2.27 percent according to a September 27 Investment Business Daily report. So what should this all mean to you? It seems like the economy is strong and Americans are just a little forgetful.

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August 14, 2007

French Began Subprime Credit Woes

Many lenders are stuck with Alt-A Loans which go by the name of liar loans since they required no proof of income. These subprime loans hurt everyone; the lender and the borrower when the chickens come home to roost.

It all started with the French. Interestingly, the credit contagion spread after French banking giant BNP Paribas froze 2.2 billion worth of funds tied to U.S. subprime debt saying that that debt lacked market liquidity which in turn made it impossible to assess their value.

Days later the Fed had to add $38 billion to the reserves by bailing out questionable debt and taking a lot of mortgage-backed securities as collateral. The Central banks worldwide are reported to have injected 326.3 billion shoring up the debt market.

Low interest rates after 9-11 fuel another round of real estate appreciation frenzy. The buying binge in real estate sent prices soaring and lenders extended credit to borrowers with shaky credit. Now easy credit is ending and the lenders who made foolish loans are on the verge being bailed out by the taxpayers.

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July 13, 2007

Business Market Horoscope Check Up

As any student of the economy business knows economic directions are plagued or aided by underlying checks to changes in the business climate. Underlying causes are usually reactions to political taxation and government policies as well as overall consumer spending levels based on leftover budget items being met. These business economic conditions are working:

Checking Recent Bullish Factors

Low Inflation
Low Interest Rates
Strong Employment
Rising Corporate Profits
Strong Corporate Balance Sheets
Worldwide Liquidity

Recent Bearish Factors

Slumping Housing Market
High State Sales Taxes
High Property Taxes
Rising Inflationary Pressures
Weakening Dollar
High Debt Levels
Falling Home Prices
Rising Energy Prices
Rising Food Prices

In our prognostication, after a long stock market bull run up, the business future seems headed into a bearish region. Perhaps not immediately, but signals revealing stronger indications of possible future woes are in the mix.

Same store sales check in the declining column perhaps due to increases in energy and food costs. Housing is sluggish and the slump is not going away soon according to experts. Tighter lending practices are making it harder for borrowers to sell their homes and benefit from refinance mortgages. Numerous related industries depend on moderate or best case, strong housing demand. Large increases in local property taxes, state sales taxes and increases in energy costs additionally hurt the consumer.

Run away spending, soaring entitlements by local and state governments are hurting the homeowner as well as businesses. Most families need two incomes to float their ship. The quality of affordable life for many in the middle and lower economic class is slipping away.

The increase in agricultural prices has caused a rise in supermarket food prices. Poor decisions by government inaction protectionist policies for domestically produced ethanol have produced stealth inflation. Bowing to special interest groups instead of allowing free competition to supply the needs of any current or future demand by our neighbors to the South, big business has earmarked domestic corn and feed for producing ethanol when instead they could have bought it on the cheap from South America. Cattle feed, chicken feed, and all agricultural product prices are rising because the domestic ethanol lobby hijacked the political system.

A business check into the bull equity market seems unshaken and will probably hold strong into the near future. Long range clouds of 76 million baby boomers getting ready for retirement and massive tax increases to keep the government from insolvency are in store.

The landscape is changing. Decreased consumer spending will rear its sorrowful head eventually when the chickens come home to roost.

As a businessman, you’ll want to save money. Saving half on your business checks is much but a start.

New Business Checks will save 50% on professional use checks: Draft, Payroll, Laser & Ink-Jet as well as Continuous Feed.

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