Marketing etudiant, le portail des etudiants en marketing

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Oracle Marketing is probably the principal advertising businesses in great britain. The business comes after primary advertising and marketing since they find out oahu is the just procedure that may be measurable in addition to scalable.




Oracles Promotion is aware which to help bring in prospects strong advertising is the foremost choice since it guarantees optimum roi. The item will give you the flexibleness to get hold of your current consumers in addition to clients and also encourage supplement inside reduced spending plan. The organization usually takes a supplementary considered to program the methods in addition to create direct moment as well as preparing to motivate products and solutions available in the market.




Oracle Advertising's achievements depends on your collection they've already plus the way they continue to keep the work continual through routinely bringing up-to-date these people around the brand-new product or service. The firm targets on time period along with sets around large amount of methods for you to achieve most effective final results. The firm is convinced the truly great product or service along with emails must locate it is site out there, which is exclusively attainable when you have the very best involving assets plus intending to drive these people with market place. Oracle is doing this particular this all decades and also recovering result.




Clover Marketing and advertising possesses inside of a shorter cover blossomed because the primary authorities from the immediate promotion area which has a clientele in which retains boosting on a regular basis. The business is extremely good along at the occupation with raising make attention in addition to giving their own clients quantifiable outcomes so preserving these people constantly content. As a organization in which constantly meets the actual anticipations of the consumers, Clover Promotion beliefs a laugh on the clients people very much above all else in addition to as a result features served after that obtain abundant gains.




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Our children are greatly influenced by advertising and the advertisers are very aware of this. If you have ever watched childrens peak viewing times you will be more than aware of the constant stream of advertisements, aimed specifically at children. What children see is food being associated with happiness and fun times. They start to become influenced by branding from a very early age. They see convenience "junk" food being shown in these ads as being normal and this encourages them to seek them out.

Results of a study of school children in Boston found that for every hour of television viewed their kilojule consumption increased by 700kj per day. Consumption of advertised foods also increased. With children spending more time in front of television they are spending less time outside exercising and burning off calories. You have to question the moral issue of how ethical it is of the advertisers to be targeting those whose judgment is not yet fully developed.

Which ever way you look at it it becomes pretty clear that this is unethical and we should all be showing concern. The food they put in their mouth today greatly influences their health tomorrow. Not every company is behaving irresponsibly but many more companies could do with recognising their social responsibility to our future generations.

When looking at who is responsible for a child being overweight the parents are always the first thought but this is a more complex issue than that. Even though as a parent you have a huge influence over your childrens health it is also a social issue. Schools for instance have now started to change the food on offer at the canteen for more healthy options and are introducing health and fitness programs to encourage children to be more active.

There needs to be more consistency and a broader approach to these changes. As an expansion to the change in a childs diet; nutritional cooking classes for all children could be introduced into the school curriculm; changes to the way advertisers target children could be made; making time available to be together as a family with more flexible maternity and paternity leave and flexible working arrangements, all of these will contribute to a change in a childs lifestyle and well being.

While it may seem difficult to achieve, when you look at the potential health crisis that may lie ahead of us, finding solutions and actioning them will be benficial to our children.

As an estimate, worldwide, approximately 22million children below the age of five have a weight problem. It is not enough that our children are becoming over weight younger but they are also becoming heavier.

We need to do something about this situation, sooner rather than later because overweight children become overweight adults with the potential for certain types of cancer, cardiovascular disease, type two diabetes, hypertension and different sorts of social problems. The evidence now proven is that a person who had a weight issue when younger and became overweight as an adult, are at a greater risk of cardiovascular disease than that of a person who becomes overweight as an adult.

Prevention is better than cure!

Comparing Granite and Marble Countertops: Which A person Ought to You Choose?

Granite and marble are both equally stones meaning these are both sturdy, major, and incredibly difficult. Concurrently, because both these stones can genuinely final a lifetime, these are both equally equally expensive and quite tough to polish and set up. Because they may be each stones, they may be obviously patterned, for this reason, you could get granite or surface encounters marble which is not very identical towards the style and design from your catalog which you ordered so it will be best to really see the genuine product when choosing the type of design and style and pattern which you want as an alternative of relying only on pictures. Equally are warmth resistant plus they don't scorch when put even using a incredibly very hot product these kinds of as iron pots and pans.



However, granite is way more durable than marble and it's a lot more resistant to scratches and hefty impacts when compared to marble. Concurrently, granite is more defiant to acids this sort of as vinegar, lemon juice, and tomato juice, and also other objects with substantial amounts of acidity. That will help you greater recognize the strengths of each stones, let us consider a closer appear as to how they were formed. Marble, and all its stone relatives - onyx, travertine, and limestone at the onset have been sediments produced of shells, plant subject, animal skeletons, and silt which all settled for the bottom of bodies of drinking water and after a long time of staying soaked in water, they solidify and grow to be stones/ Marble’s major component is calcium and that is the explanation why it's a tendency to react to acids such as vinegar and also other drinks that have citrus. Granite, then again, is manufactured up of crystallized minerals formed from the earth’s mantle at large temperature. The outcome is actually a difficult, extremely resistant stone. Marble could be scratched and etched by acids since it is created of calcium carbonate which is a great deal like chalk but the only distinction is surface encounters marble is compressed and within a crystallized sort. In the very same manner, marble has less designs, in fact it's a lot more normally sold in its white shade so stains and mars might stand out a lot more uncovered in marble. Granite has a much more complicated pattern that will conceal the stains much better. In terms of models however, marble incorporates a finer, more tasteful appear than granite. The crystal formations in marble are a lot more satiny and finer in nature which makes it appear much more deluxe. Granite has larger, pea-sized crystals that happen to be coarser to your eye.



In the end, with regards to sturdiness, the granite countertop will be a lot more sturdy and even more resistant to stains and scratches even though the seems to be are won by marble. Marble however is more affordable than granite nevertheless it demands bigger routine maintenance. So, it all boils right down to what you seriously want like a countertop. Would you settle for the countertop that is incredibly hard-wearing and although not as very since the other a single, or would you trade beauty for durability and power?

How you can Find Track record Information On Anybody

Discovering the proper individuals to function for you has in no way been an straightforward career. Everybody is excellent at some thing but you have to figure out if they're most likely to become great at performing what you'll need them to complete. Not simply that, you have to also make certain that they are heading to fit in along with your business and existing employees. That is why getting good employment background procedures is essential when you are employing new employees.

I am sure your quest for records search free online has arrive to an end as you study this post. Yes, absent are those days when we have to search endlessly for track record free on-line information or other such info like background free on-line,criminal history background ,national criminal track record checks and even potential worker track record Even without content articles for instance this, utilizing the Web all you have acquired to complete is log on and use any with the search engines like google to discover the track record examine totally free online information you'll need.

Use the forums-don't be afraid to join in on forum discussions with other website members. Inquire concerns, reveal guidance and construct your expert network com.Be an excellent listener-demonstrate a genuine curiosity in what the interviewer needs to say. Attempt to not interrupt by interjecting a comment whilst an individual else is talking (even if you are afraid you may neglect the stage you'd prefer to create).

The best way to retain workers at your manufacturing plant.How you are able to keep workers at your production plant When it comes to employing employees there are many tips and tricks which you are able to adhere to to ideally utilize probably the most effective employees which you can find.

Whenever you have the persistence to go by indicates with the remainder of this article related to track record check free online you'll undoubtedly comprehend 1 or two factors that will prove truly helpful to you. Maintain correct on studying and be properly knowledgeable about examine totally free on-line as well as other related track record totally free on-line,criminal history background , nationwide criminal checks or potential employee track record check information.

In situation you are looking to get a reputable business, you should bear in thoughts that these services will arrive at a cost. Generally, nevertheless, the charge is nominal. You will discover websites that claim to provide a totally free service, but generally they are extremely very best avoided.

Dealing using the Colorado Springs criminal law just isn't an normal factor and is as a result best left to trained attorneys. The skilled Colorado criminal defen.If an worker has endured an injury at his workplace then he has the proper to claim for compensation. The insurance companies nevertheless make an work to stall the identical.

It may curiosity you to understand that lots of people looking for background check free online also got information concerning other track record examine totally free on-line,criminal history track record checks, national criminal checks, as well as possible worker track record examine here effortlessly.

What can go wrong will go wrong, at the worst second. They might be as a result of human mistakes or oversight, incomplete or out-dated particulars, mistaken identification or identification theft and so forth. Whatever the situation is, we would not be oblivious to the harm or victimization and might be well-prepared to face as much as issues if required. And when we do turn up some factor unfavorable but correct in the self-check, we obtain a chance to fix it ahead.

How to Develop a good Credit rating and Background

Some are even looking at bankruptcy within their tough function to obtain rid of credit card debt. Credit card debt settlement could help a borrower avoid that.

7 to 10 Numerous years

Personal bankruptcy has a very prolonged term damaging impact around the purchaser who uses it to obtain out of financial debt. But, lots of Us residents are going via bankruptcy. Personal bankruptcy can remain on your credit score report from seven to 10 a long time. That smudge on your credit history can make it pretty difficult to obtain a residence, or a automobile, and even a job, within the long term. There are other options to personal bankruptcy for these with mind-boggling financial financial debt, free credit score or in any other situation.

Bank card debt Settlement a Fantastic Option to get rid of Credit score Card Bank card debt

One these kinds of choice that exists is a tactic identified as financial debt settlement. What transpires is the fact that a debtor negotiates having a creditor to spend back a part with the monetary financial debt. Hunting in the choice - missed payments, regular reminders and cellphone calls, bankruptcy - a creditor might probably very properly be keen to go over a decrease payback quantity or decrease month to month payments. Specifically with so lots of purchasers dealing with personal bankruptcy or even the prospect of defaulting, most collectors are delighted to obtain some funds somewhat than none. Forestalling bankruptcy can be an exceptional effective condition for both equally you as well as your creditor.

Credit score Card Monetary debt Settlement Negotiation

Approaching a mortgage company, maybe a single you've had to deal with within the past and not on probably the most amicable conditions, can be intimidating. There's also a good deal of financial track document consciousness that the normal buyer just doesn't have. The typical shopper just does not possess a exceptional maintain on their rights and strengths.

Pennies on the Dollar towards Getting rid of Credit card Debt

Monetary financial debt settlement needs a free credit score online negotiator approaching each and every single lender and negotiate a pay-back choice. Usually, this complete can be really essential -- up to 50% or a lot much more of the genuine debt. So fairly a couple of people at present are around the brink of personal catastrophe, usually hunting to personal bankruptcy. Because of the, many creditors are relieved to become obtaining anything around the bank card debt somewhat than next to nothing. That can occur quickly have to a borrower declare personal bankruptcy.

Finding a Negotiator

Credit card financial debt negotiators know how you can tactic loan companies along with other collectors. They've an in-depth know-how of monetary markets, economic developments, and also the fluctuation of curiosity costs and currencies. This info may be priceless when it arrive to negotiating a financial financial debt settlement. Also, just after preliminary negotiations, the negotiator will be ready to offer you the overcome shopper as to their rights and choice pertaining to the bank card financial debt.

Payment Due to

Once all the negotiations have taken area, and this could obtain weeks, particularly if you have much more than one or two collectors with whom you're generating an attempt to eliminate credit card debt, the payments will be produced to the negotiator and she or he will hold track that the conditions they have negotiated are kept. The debtor will finish up doing one specific cost-effective payment the second a month, to one particular place, at 1 interest rate.

foreclosure list

We took an immediate dislike to the so called Bank of America mortgage settlement, in which the trustee for 530 mortgage trusts, Bank of New York, has entered into deal in which the bank will pay $8.5 billion to settle not only putback liability (having to compensate investors by buying back loans that never should have been put in the trusts in the first place) but also chain of title liability to investors (otherwise known as “my dog ate your mortgage”; note this would NOT impair the ability of homeowners to raise that issue in foreclosure).

We criticized the deal as being bad for homeowners (as in likely to accelerate foreclosures, rather than alleviate them, as claimed), bad for investors (due to the amount being too low for putbacks and an outrageous sellout based on the waiver for chain of title problems) and rife with conflicts of interest. Indeed, almost immediately after the settlement was announced, a group of investors who had been pursuing their own claims on three of the trusts in the settlement filed a petition as a means of objecting to the deal and its failure to provide a means for investors like them to opt out.

Two public officials, Eric Schneiderman, the New York attorney general, and Representative Brad MIller, who is a member of the House Financial Services Committee, apparently also suspect the pact does not pass the smell test and are asking some tough questions.

As described by both Bloomberg and Gretchen Morgenson of the New York Times, Schneiderman sent a letter to Bank of America and the 22 investors that suggested that he may oppose the deal. The bone of contention is that the parties that put this deal together failed to include or even consult all the investors (that is an allegation in the petition mentioned above). This is a non-trivial issue. Investors are afraid to sue Wall Street firms (they are concerned they will be excluded from information or otherwise relegated to less favored nation status, which would then hurt them competitively). So while they might have been able to register their views privately and anonymously if the attorney who put this deal together had been acting in their interests, by being exclude, the onus on them is now to sue, which is a far more visible and risky stance. Thus it’s entirely possible that the majority of the economic interests in most, even all, of these trusts are opposed to the deal, yet they’ve been effectively stymied by the way the settlement was put together. (It is stunning that the attorney, Kathy Patrick, is having her $85 million fee paid by Bank of America. Even if she obtained waivers, the optics and the incentives are clearly troubling).

Schneiderman’s list of questions also suggest other possible bases for objections:

Investment managers were asked to identify clients affiliated with New York state government entities and public authorities, as well as nonprofit or charitable corporations that invested in the 530 residential mortgage-securitization trusts established from 2004 to 2008, according to copies of the letters obtained by Bloomberg News. The letters also request the total par amount and current market value of all securities issued by the trusts covered in the settlement agreement for each client that meets the criteria.

This line of inquiry suggests that the AG’s office either has concluded the settlement is bad for investors or is at least investigating that theory and wants to be in a position to object. I would assume that the AG would act on behalf of any New York government entities and would further allege that the 22 investors had breached their fiduciary duty to the non-profits and charitable organizations (the investor equivalent of widows and orphans).

His emphasis on obtaining the dollar amount held in each of the various trusts points to objecting to the settlement on any trusts where a 25% (or possibly a 51%, depending on what basis he uses for his argument) threshold has not been met. One securitization expert who does not have a dog in this fight noted, by e-mail:

The investor group almost certainly does not represent 25% of each of the deals subject to the settlement yet the settlement seeks to waive future claims by investors in all of the deals. This suggests that BoNY, as trustee, is permitting the settlement to proceed on deals where the 25% rule hasn’t been met despite the clear terms of the PSA. Why would the trustee permit such a relaxation of the PSA rules in this settlement when it was so resistant to it in other cases (specifically the Greenwich Financial case)?

As we noted earlier, Bank of New York’s conduct on this deal stinks:

The biggest challenge, in the court of public opinion as well as presumably before the judge, is the idea that this is not at all an arm’s length transaction, and that the trustee, Bank of New York, is effectively engaged in self-dealing, selling out the investors to save its own hide. To put it more simply, parties that are presented as representing the investors’ interests are actually working to advance the BofA cause.

Bank of America gave the Trustee, Bank of New York, a side letter than indemnifies it for all liability incurred in entering into this deal. That means if any investors are unhappy, the costs are borne by BofA (the party that benefits from this settlement) not Bank of New York, the party supposedly representing the investors….

the side letter also indemnifies the trustee broadly against liability in the pooling and servicing agreements, the contracts that govern these deals. Since trustees like Bank of New York provided multiple certifications that the trusts held the assets (and that would include observing the chain of title niceties) when lawsuits all over the country have established that that did NOT happen. In addition, a senior Countrywide employee in testimony in Kemp v. Countrywide said Countrywide had retained the notes (the borrower promissory note) when the trust was supposed to have them. Whoops!

So the trustees have a ton of liability the are eager to escape. And that means that the indemnification in the Bank of America side letter is tantamount to a very big bribe to Bank of NY to go along with this deal.

In addition, as Adam Levitin and Tara Twomey discussed at some length in a law journal article on serving, trustees in general, and Bank of New York vis a vis Bank of America in particular, will be “deferential” to parties that provide them a lot of RMBS trustee business. Over 3/5 of BoNY’s RMBS trustee business comes from Bank of America/Countrywide.

The Bloomberg article also covers the response BoNY made in court to the challenge by the dissident investors. It seek to block discovery till other parties have objected. This gambit is not merely a delaying tactic but a ruse to neuter discovery, since the timeframe between the filing of objections and the court hearing is too short to allow for meaningful discovery to take place.

But even more brazenly, Bank of New York asked that no other parties be permitted to intervene in the case. That is a admission that it is not even trying to pretend to act on behalf of investors; it is actively trying to shut them down. And this bit is so disingenuous as to amount to misrepresentation:

As for its alleged conflicts of interest, Bank of New York Mellon said the governing agreements provided that the trustee be indemnified.

That’s irrelevant. The indemnification in question is not only broader than the sort contained in the pooling and servicing agreement (which does NOT contemplate more expansive waivers being entered into) but it specifically indemnifies BoNY from liability from investor claims, yet comes from Bank of America! The party that provides indemnification is almost without exception a principal indemnifying an agent, not the party on the other side. This arrangement is so irregular as to beggar belief.

But this should come as no surprise. Bank of New York has a history of slimy dealings. From Mark Ames, the former editor of the famed (one might say notorious) Russian newspaper Exile:

This is just sickening. Looks like this is a big part of the scam we’ve been looking for: moving the MBS’s onto Fannie/Freddie’s books, then settling for pennies on the dollar with no transparency and it’s all done and settled.

And in the middle of all this is BoNY, no stranger to plunder, fraud and covering everyone’s trails. BoNY was the bank used by the Russian oligarchs and by Yeltsin’s own family to steal tens or hundreds of billions in the 1990′s. At some point the whole scandal just got hushed up, a couple people took the fall and no one talked about it again. There was a point in mid-1999 when it looked like everyone from Yeltsin to IMF head Michel Camdessus, not to mention BoNY, were going down. Then some deal was cut that no one ever figured out–had to do with Yeltsin, Putin, the war in Kosovo…anyway, suddenly the Republicans lost interest in hearings and the whole thing shut down and that was that.

That brings us to Brad Miller’s concerns. The Congressman wrote to Ed DeMarco, the acting head of the Federal Housing Finance Agency. He raised the issue of the Bank of New York conflicts of interest and the questionable indemnification, and turned to the adequacy of the settlement and the failure to do any discovery:

It’s clear that Bank of America is trying to position this settlement as a “we’ve put this mortgage mess behind us” strategy. Fortune published a puff piece on its CEO Brian Moynihan, and it stressed the differences with his predecessor, Ken Lewis, and did a bit of “Mission Accomplished” cheerleading about the settlement. And as we indicated, the bank and the other parties to the deal no doubt had called in some chips to get Bill Clinton to tout it as good for homeowners.

But interestingly, the media is not falling into line, perhaps because the usual application of porcine maquillage cannot cover up how ugly the settlement is. Maybe they’ve learned from the crisis to be wary of banks claiming to have cleared out their toxic assets and exposures. Bloomberg ran an article on June 30 stating the obvious: a lot of investors think 2% of original par value is too cheap. Similarly, the New York Times carried a story over the weekend at odds with the Clinton/bank PR: the pact is meant to, and will, accelerate foreclosures.

As we’ve stressed, following the observations of Richard Bookstaber , in tightly coupled systems, measures to reduce risk typically do precisely the opposite. The Charlotte bank may have thought it had found a way to cut loose its chain of title risk and leave it stranded with investors. But the pushback on the settlement, which has the potential to put the level of the bank’s misconduct on the mortgage crisis, has the potential to bring this festering problem to a head.

What do Mel Gibson, Nicholas Cage, Octomom, and Timothy Busfield have in common?

Foreclosure.

Each of these Hollywood stars is well-known and has increased their media attention to include the foreclosure processes of their respective homes.

Unfortunately, foreclosures do not happen in a vacuum, and even the wealthy are at risk.

Actor/Director Mel Gibson

Mel Gibson has definitely been in the spotlight for a substantial part of his life, with most of his fame coming from the Lethal Weapon franchise and Braveheart, and his controversial role as director of The Passion of the Christ. Gibson has already sold two properties for well below the list price and may be losing several other properties, including his church and home in Malibu, California. Gibson has been sued by Rampage Construction for approximately $12,000, but the company previously stated that it accepts foreclosure of each of the residential properties and church to account for the failed payment. The exact stage of this lawsuit is not known at this time. 

Actor Nicholas Cage

Along with facing his son’s recent admission into rehab, actor Nicholas Cage has also lost his Los Angeles home to foreclosure over the year. Cage is best known for his performance in a variety of films ranging from National Treasure and Gone in 60 Seconds to Ghost Rider. He purchased his home in 1998 for $6.5 million. After renovations, Cage tried to put the home on the market in 2006 for $35 million and was unsuccessful in his attempt to sell. In 2010 the bank foreclosed upon his property and failed at an attempted auction in April. The property is currently listed on the market for a mere $10.5 million, well below the price Cage was requesting in 2006.

Reality TV Star Octomom

Octomom, also known as Nadya Suelman, is famous for giving birth to octuplets and starring in the Octomom reality television show that followed. Over the last couple of years, Octomom has been delinquent on her mortgage payments numerous times. This time the bank moved forward with the foreclosure process and even served eviction papers last December. Suelman’s father purchased the home in 2009 for $565,000 and eventually put the home in his daughter’s name. In 2010 the foreclosure process began, followed by an eviction notice. Now the repossession is pending on this La Habra, California home.

Actor Timothy Busfield

Busfield is best known for his roles in The West Wing and Thirtysomething. Busfield originally purchased his Malibu home in 2003 for $1.2 million. After a very expensive divorce, he decided to put the property up for sale in 2008, listing it for $2 million. At the end of last year Busfield’s delinquent payments caught up to him and the foreclosure process on his Malibu mansion began. In January, he lost his home to foreclosure.

These individuals are known for their performances on popular television shows and movies; however, now they are also receiving national attention due to their financial insecurity and foreclosure proceedings. Even though these individuals have spent countless hours in front of a camera, they are still subject to the struggles and financial strains that often surface for your everyday Americans.

These instances show us two things: First, the foreclosure inventory is still strong and prospering; therefore, there are countless investment opportunities for new to seasoned real estate investors. Two, the foreclosure crisis is broad and includes not only single and multi-family homes, but also celebrity mansions and estates.

Please like Foreclosure Deals on Twitter and Facebook.

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MAKE | <b>News</b> From The Future: Transparent Batteries

News From The Future: Transparent Batteries... Stanford researchers have invented a transparent lithium-ion battery that is also highly flexible. It is comparable in cost to regular batteries on.

MAKE | <b>News</b> From The Future: Transparent Batteries

<b>News</b> In Brief: Life - Science <b>News</b>

Flowery advertising, tempting toilets for shrews, bat beacons and more in this week's news.

<b>News</b> In Brief: Life - Science <b>News</b>

<b>News</b> In Brief: Atom &amp; Cosmos - Science <b>News</b>

Trojan asteroids, black hole interactions and a gargantuan watering hole in this week's news.

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Making Money Working

One of the most misleading myths about traders was repeated in this Atlantic article:

Now think of what a trader does. A trader's job is to be smarter than the market. He converts a mess of analysis and intuition into simple bets. He makes moves. If his predictions are better than everyone else's, he wins money; if not, he loses it.

The article is a hagiographic view of traders, like writing that politicians are the best-of-the-best, constantly working on how they can best advance social welfare by seeing win-win exchanges mere mortals cannot. If you are a trader, you might want to send it to your mom or girlfriend.

Traders supposedly described in the article are not like day traders, more like bookies who make money off the vig, and have little insight about 'true value' but usually a lot of franchise value in their brand or network of contacts, which is why they aren't as smart as they would be if they were simply price-taking market wizards Indeed, most of the first Market Wizards book naively conflated market making and speculating, but when the legend becomes folk wisdom, print the legend, because people obviously like comforting myths.

When traders buy and sell the same stuff right away, it's perfect, they make money without risk. When they have to inventory it, they need it hedged and they have to hope it was priced well, which shows up statistically in the inventory depreciation. Hedging is not insanely complicated for the risk factors you can hedge, and for those you can't you have understood limits (the Serenity Prayer is especially important).

Now for 'equity derivatives people', you have to take a collection of non-standard derivatives, price them, and add some profit to anticipate adverse selection and cover your fixed costs plus any transaction costs (eg, the cost of implementing necessary hedges). Consider the following equity derivative transaction described in the article:

"We want a monthly stream of 12% returns as long as price X stays above 95, a downside no greater than Y, and a coupon of 120% of the principal in the event that A, B, and C all happen on or before the close of trading on April 11th."

If you want a 12% return in this market, that's about 11% more than Libor. An 11% yield necessarily has about an 18% default rate in a risk neutral world assuming a 50% loss-in-event-of-default, higher if you believe in a risk premium. The structure he describes is like asking Match.com:

I want an easygoing hetero Jewish blonde, 36-26-36 (or better), 700+ Quantitative GRE, hilarious, symmetric face, caramel complexion, small nose who loves sex, second-hand cigar smoke, and homebrewing.

Equity derivative traders are constrained by simple present values, the expected value discounted by libor, applying probabilities from market prices for options and underlyings. This will be the lower bound to any price quoted to the buyer; they can't create 12% yields without massive downside any more than a pool of subprime loans can create a AAA security without massive subordinate tranches.

This post was published at the author's blog.

After weeks of fruitless negotiations on Republican ideas to cut federal spending and raise the legal debt ceiling, House Speaker John A. Boehner tonight called on President Obama to offer his plan.

Boehner told Bret Baier on Fox News Channel:

I think it is time for the president to put his plan on the table. Let the American people see just what the president is proposing. You can’t go out there and talk about some $4-trillion agreement to substantially change the fiscal situation here in Washington without any facts.

As both sides sought to insulate themselves politically by posturing through the media, the president appeared to raise the stakes of the debt deal talks by telling CBS News that he really couldn't guarantee that those important Social Security, veterans and other entitlement checks would go out after Aug. 2 if there's no agreement with those stubborn Republicans, who won't give ground on no tax increases.

Obama said: "I cannot guarantee that those checks go out on Aug. 3 if we haven’t resolved this issue because there may simply not be the money in the coffers to do it." (Note the wiggle word "may.")

Asked if he believed the president's check-withholding threat, Boehner said:

 

I don’t know what to believe. The Treasury secretary is going to have options in terms of who should be paid and who shouldn’t. Yes, there are some debts that have to be rolled over, but there is going to be money available on Aug. 3.

 

Boehner gave no indication of progress in today's round of talks with the White House. He added:

The big issue for today was Mr. Cantor and I, the majority leader of the House, really pressed the president for ‘Where is his plan?’ We have talked about a lot of possibilities. He and I had conversations for a couple weeks, but we have never really seen the whole plan and what they are really willing to do.

One of the problems we got into late last week, and it culminated on Saturday when I finally decided that working with them privately wasn’t working, is that they had some ideas but they never quite put them on paper.

They talk about making substantive reforms in the entitlement programs but never could quite get there. That and they were continuing to insist on us raising taxes.

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-- Andrew Malcolm

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