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Judy Weil  

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  • Analysts Fret Over Lennar's New Start-Up [View article]
    Dear T-Bird,

    I'm happy to try and answer your question, but I would probably need a little more specificity. What aspect of real estate? Homebuilders? Regional or local real estate? Price? Sales? Outlook? etc...
    But I'll tell you, from what you've written, I would probably be more interested in what you think about real estate!
    It sounds like you've got a sense of how you think the market is going. Since you are in real estate, I'm sure investors would like to hear from an industry insider. All I can speak about is what I read. Facts on the ground, so to speak, would likely be much more informative.
    If you don't care to opine, I'm happy to oblige, just need a bit more guidance.
    Jan 3, 2009. 04:53 PM | Likes Like |Link to Comment
  • Lenders, Loan Modifications and Coming 'Cram-Downs' [View article]
    Dear One,

    I agree, a mistaken oversimplification and generalization. That is why I changed it just a minute after publishing. Unfortunately, you were quicker!
    Have a happy new year,

    Dec 31, 2008. 05:26 PM | Likes Like |Link to Comment
  • Homeowners Associations: Villians Or Victims in Foreclosure Crisis? [Housing Tracker] [View article]

    Happy new year,

    Dec 31, 2008. 10:33 AM | Likes Like |Link to Comment
  • CRMT: Another Nail in Automakers' Coffin? [View article]
    Hey Bill,

    Happy Holidays to you and yours!

    Dec 23, 2008. 12:37 PM | Likes Like |Link to Comment
  • California Housing Recovery? Not So Fast [View article]
    Hi RAL,
    I agree that it would be best to wait for Q4 results to determine the trend. October-November's events in the stock market cannot have done good for real estate anywhere, whatever trends were emerging before that.
    Having said that, you might want to look at John Mauldin's Frontline Weekly newsletter. One interesting point he makes is about the new wave of defaults we've been expecting in the wake of re-setting ARM loans. Mauldin says that-- at least in the near term-- those loan rates will reset lower. Most are linked to LIBOR or treasuries, and those rates are down considerably from 2006.
    Worth a read: www.frontlinethoughts....
    All the best,
    Dec 23, 2008. 12:53 AM | Likes Like |Link to Comment
  • Morgan Stanley on Subprime (Still Hurting), Real Estate and More [View article]
    Thank you gents,
    I appreciate the kind words.
    Happy Holidays,
    Dec 22, 2008. 05:10 PM | Likes Like |Link to Comment
  • Morgan Stanley on Subprime (Still Hurting), Real Estate and More [View article]
    Dear Samrock001,

    I'm not trying to justify anything, actually. The article provides what I think are key data points from Morgan Stanley's recent earnings call. Conference call excerpts is a service we provide at Seeking Alpha for investors so that they don't have to read through the entire conference call transcript to find out important trends or pieces of information that impact the stock or other stocks.
    I hope you find it useful.
    All the best,

    Dec 22, 2008. 09:57 AM | Likes Like |Link to Comment
  • KKR's Double Whammy [View article]
    Dear User 318452,

    Yahoo Finance lists Capital Trust Inc. and Prospect Capital Corp. as KFN's main competitors.

    Dec 13, 2008. 10:43 PM | Likes Like |Link to Comment
  • 3M CEO: Wisdom of the Ages [View article]
    No need though, you can read transcripts for free on SA. (Just a little plug...)
    Dec 10, 2008. 10:58 AM | Likes Like |Link to Comment
  • CRMT: Another Nail in Automakers' Coffin? [View article]
    Dear Jay73,

    Several interesting questions for which I'll hazard a few guesses: Used cars have less overhead to begin with. Building a new car and selling it takes a lot more money than just selling an old car. So even if pricing keeps going lower, it's still going to be less of an impact than on those who have manufacturing costs.
    In the same vein, I'd venture to say that no matter how much you lower prices on a new car, it's still got to be higher than an old car. My brother once told me that as soon as you get the keys and drive your new car away from the showroom, you've lost 10% of the value of your car.

    Again, it's all guesswork, but I agree with you about the home vs. car question.

    Dec 9, 2008. 08:26 AM | Likes Like |Link to Comment
  • CRMT: Another Nail in Automakers' Coffin? [View article]
    Hi Alan,

    I think what's relevant to the big automakers, in terms of CRMT, is that they are doing well in this downturn. Car manufacturers are obviously not. CRMT is poised to gain market share and is working hard on that. I doubt they will put car makers out of business-- after all, a used car has to be sold new first! But if more and more customers that would have bought a new car are looking for alternatives, then it will take that much longer for new car sales to revive.

    The other important aspect is that the company found that SUVs had become more attractive initially when oil prices and auto prices were falling last quarter. Now gasoline is even cheaper, but the spike in SUV interest has waned. For a car manufacturer like GM that has so much SUV inventory and manufacturing infrastructure, that's not a very good indicator.

    I don't think CRMT will put the Big Three out of business, but do believe the trends they note have bearing on the automotive marketplace.

    All the best,
    Dec 4, 2008. 08:44 AM | Likes Like |Link to Comment
  • KKR's Double Whammy [View article]
    I've clarified things a bit better. Thanks for pointing it out.
    Dec 3, 2008. 03:09 AM | 1 Like Like |Link to Comment
  • Gap Inc.: How Canada, U.K., Japan and Russia Fare [View article]
    Dear Mr. MauMau,

    My mistake. I'd corrected the title, but forgot to remove the link. Thanks for pointing it out.

    All the best,

    Judy Weil.
    Nov 27, 2008. 05:07 PM | Likes Like |Link to Comment
  • Is Shift Away from Supermarkets, Restaurants Permanent? [View article]
    Hi Bill,

    So I'm curious, how come you're reluctant to shop for groceries at Wal-Mart? Is there some industry thing about Wal-Mart and groceries? Thanks for your illustrative comments!
    Nov 26, 2008. 01:14 AM | Likes Like |Link to Comment
  • Has GE Capital Stopped Lending Entirely? [View article]
    Hi Bill,
    I thought it was interesting that the regional banks are stepping in. Just a few weeks ago everyone was predicting their doom.
    Thanks for your insight.
    Nov 20, 2008. 01:13 PM | Likes Like |Link to Comment