FEDERAL OPEN MARKET COMMITTEE (FOMC) MEETING RESULTS: DATE: July 27 - 28, 2021 MEETING LOCATION: Virtual 1Fed pledges to use
CECL: THE TIME IS NOW…
Community financial institutions (CFI’s) are arguably more challenged than they have been in decades. So, happily, many CFI’s drew a
ALCO AND DECISION MAKING WHAT FACTORS INFLUENCE YOUR DECISIONS… HARD DATA, GUT INSTINCTS, OR PERSONAL BIASES?
Decision making is an essential skill of every successful business leader. While easier said than done, decision makers must interpret
Dr. Ed Seifried’s FOMC Meeting Commentary Report – June 15, 16
FEDERAL OPEN MARKET COMMITTEE (FOMC) MEETING RESULTS: DATE: June 15 - 16, 2021 | MEETING LOCATION: Virtual 1Fed pledges to use
EXECUTIVE SUMMARY: DR. EDMOND J. SEIFRIED Q1 2021 ECONOMIC ANALYSIS
BREAKING NEWS — MARKET SPECULATION & THE STATE OF THE ECONOMY DATE: May 5, 2021 | BY: Dr. Edmond J. Seifried,
MITIGATING THE RISK OF PREPAYMENTS
What is an MBS: A mortgage-backed security is a type of debt security collateralized by mortgages and primarily offered through
DEVELOPING AN ANNUAL ALCO CALENDAR AS A BEST PRACTICE
There just aren’t enough hours in the day. How often does that thought cross your mind?Our lives are so busy
GENERATING ADDITIONAL YIELD THROUGH BOND SUBSTITUTION and AGGREGATION
Change In Mindset – Change In Yield? “To enjoy a reasonable chance for continued better-than-average results, the investor must follow
REGISTERED INVESTMENT ADVISORY vs. BROKERAGE AS DIFFERENT AS NIGHT AND DAY
What’s the Difference and Why Should You Care? If you are one of the many individuals who believe the two
RAISING THE ISSUE OF ANNUAL RAISES: A METHODICAL APPROACH IN THESE TIMES OF UNCERTAINTY
If your financial institution is anything like the programs that I communicate with on a routine basis, your staff has
Where have all the seasoned MBSs gone?
Once a readily available investment option, seasoned MBS’s are becoming increasingly scarce in the secondary trading arena, especially those with
WHEN DOES PAYING MORE MAKE SENSE?
Premium vs. Par Bonds:WHEN DOES PAYING MOREMAKE SENSE?“Price is what you pay. Value is what you get”- Warren BuffetShould interest
GENERATING NEW ISSUE MUNI’S VS. SECONDARY PURCHASES
Fixed Income Securities: NEW ISSUE MUNI’S VS. SECONDARY PURCHASES An Apples-to-Apples Comparison? We live in a society that operates in
Dr. Ed Seifried’s FOMC Meeting Commentary Report – April 27, 28
FEDERAL OPEN MARKET COMMITTEE (FOMC) MEETING RESULTS: DATE: April 27 - 28, 2021 | MEETING LOCATION: Virtual 1Fed pledges to use full
GENERATING RETURNS USING FLOATING RATE MBS
Chasing Yield and the Race to Zero “Chasing Yield” and “The Race to Zero” are two terms being tossed about
A COMMUNITY PERSPECTIVE OF A GLOBAL SITUATION: LIBOR TO SOFR
“You need lucky breaks to be successful.”Richard Branson I don’t know if the Intercontinental Exchange Benchmark Administration’s (IBA) announcement on
KICK UP PERFORMANCE WITH KICKER BONDS
“The fundamental law of investing is the uncertainty of the future.” Peter Bernstein As Mr. Bernstein once said, uncertainty is
Taxable Municipal Bonds, Gaining Ground in a Low Interest Rate Environment
With over $170B of taxable municipal bonds issued in 2020, the year marked a ten year high for new issues,