tag:blogger.com,1999:blog-7905515.post176021440104711348..comments2024-03-14T11:09:32.759-05:00Comments on Falkenblog: Bank Lending PatheticEric Falkensteinhttp://www.blogger.com/profile/07243687157322033496noreply@blogger.comBlogger9125tag:blogger.com,1999:blog-7905515.post-54308780089925259332012-01-06T05:00:12.549-06:002012-01-06T05:00:12.549-06:00Relieving the regulatory burden without increasing...Relieving the regulatory burden without increasing accountability is not the answer. We've seen the results of removing regulation when bankers are rewarded with annual bonuses and walk-away when it crashes and burns. There's no claw-back and no one goes to jail. There's no downside.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-7905515.post-31414858054057158502012-01-05T14:59:49.296-06:002012-01-05T14:59:49.296-06:00"He went to a bank" What bank? Good for ..."He went to a bank" What bank? Good for that bank that they aren't stupid enough to make the same mistake twice. If your friend wants to speculate on real estate then maybe he needs to find an alternative source of funding, or maybe take the risk himself by building his own capital. Yeah, that is the way it is supposed to (and in a healthier time used to) be done, through hard work and re-investment of profit. <br /><br />If your friend wants to take the easy way then send him to a school for an exclusive business degree from an exclusive school. Oh, never mind, that would take money. Obviously your friend has none and is looking for an easy way.<br /><br />That's how we got here. Money doesn't make itself, even if you believe it does.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-7905515.post-68331347548518988872012-01-05T14:36:24.373-06:002012-01-05T14:36:24.373-06:00moroco: he wants to do this with $100MM, mainly in...moroco: he wants to do this with $100MM, mainly in SW US...Eric Falkensteinhttps://www.blogger.com/profile/07243687157322033496noreply@blogger.comtag:blogger.com,1999:blog-7905515.post-13151140368203080992012-01-05T14:30:50.446-06:002012-01-05T14:30:50.446-06:00Congratulations on getting a spot on Abnormal Retu...Congratulations on getting a spot on Abnormal Returns, too bad you botched it with nonsense.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-7905515.post-44423149856916387192012-01-05T14:27:35.832-06:002012-01-05T14:27:35.832-06:00Merely speculation with one piece of anecdotal evi...Merely speculation with one piece of anecdotal evidence. Pathetic and a waste of time.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-7905515.post-21355126567805935192012-01-05T06:26:25.300-06:002012-01-05T06:26:25.300-06:00Finances after politics is best place to game the ...Finances after politics is best place to game the system. Politics is too obvious and it is often dangerous - gaming the system in finances is relatively risk free. Compare the gaming possibilities in finances and producing something physical.zbyhttps://www.blogger.com/profile/04636763782334128869noreply@blogger.comtag:blogger.com,1999:blog-7905515.post-34994826572801874962012-01-05T06:10:29.557-06:002012-01-05T06:10:29.557-06:00I think in this environment my dog could run a ban...I think in this environment my dog could run a bank. Cost of funds 0.00%, but treasuries at 3.00% and live off the spread...... Truth be told if banks have to carry it on their balance sheet they don;t want to do it. Commercial Finance Companies, Hedge Funds, Credit Unions, Factor, and even Pawnshops the new financiers of the 2012 and beyond.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-7905515.post-31596989032138570372012-01-04T21:14:40.992-06:002012-01-04T21:14:40.992-06:00PS.. found your blog a few months ago. I got inte...PS.. found your blog a few months ago. I got interested in this low vol investing after hearing about it in a portfolio managing class at the MBA program at the U of MN. I remember the professor calling it the flavor of the moth... LOL<br /><br />keep up the good work!Morocohttps://www.blogger.com/profile/06711556962175413009noreply@blogger.comtag:blogger.com,1999:blog-7905515.post-81743458991840901472012-01-04T21:12:26.467-06:002012-01-04T21:12:26.467-06:00is your friend local... as in the TC metro?
i am a...is your friend local... as in the TC metro?<br />i am a local commercial banker and indeed, the lending for investment properties is limited to only a small number of local community banks due to concentrations and the overall fear of the real estate values. Certainly the big boys (WFC, USB, TCF) and the bigger community players (kline, anchor) are out of it.<br /><br />with that being said, at 50% loan to value i will lend him money all day long without compensating balances.<br />I will even provide references. If he is looking for secondary market type rates.... then he is asking too much.Morocohttps://www.blogger.com/profile/06711556962175413009noreply@blogger.com