A Raymond Randall's Articles

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Sub Prime Mortgages: Baseless Commitments So what motivates mortgage loan officers toward sub-prime lenders? Money of course! Typical capital formula: the greater the risk the greater the return. Aggressive and Assertive: You Can't Be Both Aggressive or assertive? Confident or angry? What motivates superior performance? What separates the one from the many? How To Watch a (Stock Market) Bottom The hostess stood to our left; My wife said, "I like those jeans." I said, "Now that's a bottom to notice." Stock market bottoms have some common technical curves...what the investor sees often distracts them from what matters. Hey Buddy! Gotta Buck? The Japanese have no yen for the Dollar; the British may be metric, but they prefer pounds...Whatever happened to the U.S. Dollar? Up One Day, Down One Day: Stock Market Trading Does the market mislead investors one day to sucker the same investor the following day? Or, does the stock market inform beyond immediate perception? Improvement is "All About You" Everywhere I look in my house, there are improvements to make, and I am not talking about the building where my family lives. By home, I mean where you spend most of your time. Our houses shelter us; our personalities and bodies are home, and sometimes home is not so sweet. Here are five recommendations that might change the appearance of where you live. Do It Yourself Or Outsource If you think you can do it all from writing website content to search engine optimization, you are wrong. It cannot be done, and you should not try doing it. You Are Your Niche Market Your niche market is all about you and your distinctive insights and contributions. You are your niche market. America's Nightmare: When Do We Awaken? When reading The New York Times and The Wall Street Journal, I wish it were a dream. Symbols of economic uncertainty, cultural chaos, and ethnic frenzy prompt a longing for better days. What is happening to America? The Stock Market's Red Glare Stock Markets soar and crash too. Stock Market traders sometimes become kids with a toy. Every day the market pumps itself up. Indices spiral upward making many giddy with kiddish delight; nobody wants this rocket to fall from its lofty heights. With little notice, the market stalls, momentum is lost, and markets crash. How To Flatten A Penney The world is flat because nothing is proprietary. What can be made, learned, constructed, and used in America can be made, learned, constructed, and used almost anywhere. Information and innovation are not constrained; the Internet, the cell-phone, and imagination have global instincts. Almost anyone can flatten a penny. Fedspeak: Polyglot Perspicacity Federal Reserve watchers hope Ben Bernanke tells us a lot so that senatorial Humpty Dumpty's do not seek explanations for economics "...that haven't been invented just yet." DORF Spells Doom For Detroit America may soon be the land of "mother, apple pie, and Toyota." How To Measure The Stock Market's Gains And Losses Many market watchers measure the stock markets performance by tracking the Dow Jones Industrial Average. So, just what is the Dow Jones Industrial Average? Gift Wrap Your Affection Without Bows of Debt Three ways to give all year without sending monthly-payments to credit card companies. The Federal Reserve Bank & What Credit Costs You Your bank's prime rate plus a margin rate your bank charges above prime determines your credit card charges. Many consumers do not want to read the fine print of their bank's credit card agreement. Often confused by the terms, we accept the terms with gratitude because we can borrow money. Shop 'Till You Drop In The Warmth of Your Home and Save Gasoline Internet shopping saves you time, saves you gasoline, and saves you money. "Health and Wealth" or "Wealth and Health" In less than 24 hours after the anesthesiologist put me under, I stood in my kitchen missing an important male body pondering my health and wealth. Zero-sum Games Self-serving motivation instigates zero-sum behavior. Anyone seeking their own achievement or rank at all costs maneuvers each event with single-minded purpose. The Three- Legged Investment Stool For some, stock and bond prices do not matter. They will always have enough money. The rest of us better find more than one way to create cash flow. Red and Blue Investment Portfolios Some investment time spans leave investors with black and blue investment portfolios causing them to see red. Statements showing a drop in portfolio value weakens the resolve of many investors. Usually, this takes place during uncertainty about sudden or expected long-term economic changes. A Presidential elections arouse uncertainty on Wall Street, and all investors read the results. Alpha and Beta: The Romulus and Remus Investment Twins Romulus and Remus are the eponym of Rome as Alpha and Beta are the eponym of investing. Romulus and Remus are the mythical twins of Rome; Alpha and Beta are the non-fictional twins of asset management. Story tellers tell us that Romulus and Remus were suckled by a wolf. Analysts tell us that investors get chased by a bull (a lot of "bull") and a bear. Speak up or Sit Down The caller asked, "Ray, would you speak to the Lions Club next month?" First my gut said, "No"; however, my head said, "Do it". Just how will I do it? Sticks and Stones Break My Bones, and Arthritis Always Hurts Me ...Did you know that pharmaceutical drugs have their history embedded in herbal medicenes? ...today's pharmaceuticals derive from the herbs stirred and pounded by the apothecary in the mortar by the pestil and may help you find relief for what hurts you. El Marketing, Das Marketing, Le Marketing While reviewing site stats, I noticed 18 foreign countries as domain origins. This prompts my curiosity. Should I hone my marketing efforts to serve these visitors in their native tongue? Aspiring Webmasters Want To Know, "What Makes a Website Grow?" What...gets you the income so many claim to make? You've read the ads, "so and so made $55,000 in one month" and this was their slowest month...Here are 5 considerations to ponder before thinking about income from your website. Internet Marketing and Your Old Age Everybody wants to learn how to make money on the Internet. What about saving money for retirement and your future? If you don't do it, who will? Alan Greenspan, Chairman of the Federal Reserve Bank, recently confronted the U.S. Congress about the cost of future retirement benefits. You Can't Nail A Spider To Its Web We'd all like to fasten our hopes to a few ideas that will work perpetually, and then sit back waiting for the fortune to stream to our bank accounts. Unfortunately, life just does not work this way. Weave Your Own Web Many elementary school children know the miracle of Charlotte's Web. Weaving the words "Some Pig" into the center of her web, Charlotte keeps Wilbur from the frying pan. E.B. White's story provides some fascinating guidelines for web spinning. The Green Eggs and Ham of the Consumer Price Index During February, our local librarian decorates her bulletin board with Dr. Seuss book titles. Many parents trip their tongues over Seuss stories like Green Eggs and Ham. "Do you like green eggs and ham?/I do not like them, Sam-I-am./I do not like green eggs and ham", nor do I like the cost based on Consumer Price Index records. Before Spending Your Money-Visit Forums "Click Here" on a secure server sets off a chain of events approving your credit card (you hope), dispatching an email to your inbox, and delivering your report or ebook. You never talked to the provider (and for all you know, they may be sleeping or on vacation). "Will that be Cash or Credit?" From Bangkok to Edmonton, creditcard statements stuff mail and email boxes with payment deadlines. Every bill reminds the giver that gifts given freely do not come free. Giving and buying often exceed generosity and need as a brittle piece of plastic becomes an avaricious spoiler of hopes and dreams.

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