Irish Debate – Mortgages with Karl Deeter We were delighted to work with Irish Debate on doing a mortgage show, we have been big fans of theirs for a long time so it is especial... Continue reading
Mudaraba Deposits – Sharia’a compliant finance The Mudaraba contract is essentially a contract partnership in Islamic Finance, the Prophet (PBUH) forbid riba or interest, and for tha... Continue reading
Who shall we tax next? Progressive DIRT The government will be hard pressed to decide who to squeeze next, if you go after the poor (which we take to be people earning less th... Continue reading
Anglo, new ‘Bad bank / Bad bad bank’ plan We are anaesthetized from outrage at this point when it comes to Anglo Irish Bank (or if you are a eurosceptic who doesn't understand a... Continue reading
Irish banks, caught in the perfect funding storm Irish banks are caught in a perfect storm of funding costs versus lending costs which spells bad value for consumers. This is clearly s... Continue reading
Sunday Times: Beat the Zombie Banks The Sunday Times had an interesting article by Niall Brady which was pointing out the arbitrage that the consumer could have between re... Continue reading
Everybody pays, even the innocent There were many innocent parties to the credit fuelled property bubble, they are generally those who didn't borrow, or who carried no d... Continue reading
Why does a state owned bank subsidise depositors? There is concept in finance of a 'risk free rate', and normally that is seen as being the rate of return on money by a sovereign entity... Continue reading
Are lenders cherrypicking? Banks deny that they are cherry-picking applications and brokers say otherwise. What I can say is that we are going through a credit ad... Continue reading
Consider the Yield Curve One of my favourite tools is that of the Yield Curve, in the US they look at the Treasury Curve and the TED (Treasury/EuroDollar), in I... Continue reading