REALOGY CORP (H)

All Comments on H

  • commenter
    Jul 20 08:53 PM
    My Website
    20 Top Sustainable Stocks [view article]
    Thanks for the feedback. The smaller companies mentioned by User 10755 are also considered "green" and have a role to play in sustainable, clean technologies. The same could be said for ECOL and CECE. As an investor though, the green sector is probably best approached through an ETF so we can get a variety of green companies Reply
  • commenter
    Jul 20 10:58 AM
    My Website
    20 Top Sustainable Stocks [view article]
    What about a variety of small to micro-cap stocks that we'd consider Green companies such as:

    CPST, SATC, HYGS, CPTC, ESLR, ZOLT, PWR, DAR...

    Does any of these smaller companies qualify as sustainable, possibly on another level?

    Thank You
    Reply
  • commenter
    Jul 20 12:13 AM
    My Website
    20 Top Sustainable Stocks [view article]
    User is right -- we did extensive research on Chipotle, and although it's a stock and company we like, don't be deceived -- their food is really not that healthy. What is healthy is the way they treat the environment and from where they get their inputs... Reply
  • commenter
    Jul 19 11:28 PM
    20 Top Sustainable Stocks [view article]
    I hate to see anyone label Chopotle Burritos as "Healthy",no matter where their meat comes from! For a veggie burrito, with NO cheese or sour cream, but only black beans, rice, guacamole, and lettuce on a 13" burrito there are 25 grams of fat and over 2000mg of sodium, 87% of your RDA. More like deadly than healthy! Reply
  • commenter
    Jul 18 06:21 PM
    20 Top Sustainable Stocks [view article]
    Are First Solar's panels really the most efficient? I am certainly no expert on efficiency of solar panels, but I have read other articles that SPWR produces more efficient (but higher cost because of the cost of silicon) panels. Reply
  • commenter
    Apr 18 10:52 AM
    Zillow Aims to Disrupt Lending Market With Its Mortgage Marketplace [view article]
    Disrupt the lending market? Isn't it essentially in shambles already? I think we're just dropping an ice cube in an already boiling-over pot. Reply
  • commenter
    SeekingAlpha
    Editors
    Apr 06 05:18 AM
    My Website
    General Discussion on H
    Is this a buy or a sell? Reply
  • commenter
    Apr 03 12:38 PM
    My Website
    Zillow Aims to Disrupt Lending Market With Its Mortgage Marketplace [view article]
    tcornelison is absolutely right. Answering the question, "What's are your fees and your best rate?", cannot be answered in today's mortgage lending environment. It really does take time to analyze the client's total situation (credit, income, LTV). There are so many new changes that have been implemented just within the past 6 months. Finally, Malkiel is also right, find a credible lender from personal referrals that will provide you the level of service that you need.

    @Dectra - You completely missed the point of the Zillow product. Zillow will not give provide your info to the lenders like Lending Tree does now. It sounds like you had a good experience with LT but they do provide all of your info (income, contact info, etc) to the lenders.

    Good luck to Zillow, I am sure it will be successful for them.
    Reply
  • commenter
    Apr 03 11:06 AM
    Zillow Aims to Disrupt Lending Market With Its Mortgage Marketplace [view article]
    Anyone who's taken out a mortgage or refinanced in the last few years has been treated to an avalanche of offers from unscrupulous mortgage and insurance brokers flooding their mailbox. It's likely that these predators and scam artists will be the pool of interested parties on the other end, not legitimate mortgage companies. Zillow has a great concept web site that still doesn't work right for the home listing end, so they should concentrate on fixing that part of what they do. They also need to explain to the growing unhappy portion of their users just how their "zestimates" of home values are calculated, because it's patently unfair to the homeowners to have to negotiate with buyers over an estimate made in black-box fashion that they can't argue against. Reply
  • commenter
    Apr 03 08:56 AM
    Zillow Aims to Disrupt Lending Market With Its Mortgage Marketplace [view article]
    Putting personal info out for ANYONE to see.......hmmm......I'... pass. It's one thing to input the value of your home, but quite another to start putting out income and other related info you'd need to get loan offers.

    Sorry, I'll stick with lending tree. I've used them 3 times and NEVER had a problem, even when one of my closing dates happened to be 9/11. Simply called the broker and rescheduled for the next day.
    Reply
  • commenter
    Apr 03 08:26 AM
    Zillow Aims to Disrupt Lending Market With Its Mortgage Marketplace [view article]
    There will be lots of dissapointed potential borrowers. On-line mortgage lending leads to lots of frustrated consumers. This has been proven time and time again over the last several years. On-line lenders are known in the real estate community for delaying real estate closings. Borrowers in today's market place, if they have half a brain, will rely on personal referrals from people who have prior experience with a lender or the guidance of a professional.

    The current crisis has lead to the implementation of tons of new laws and agency regulations, rate add ons and restrictions. It is impossible to give an accurate rate quote without the benefit of a credit report and full application. Sketchy basic information will lead to surprise after surprise and the consumer will lose confidence quickly.
    Reply
  • commenter
    Jan 13 05:39 PM
    Strategy: Dogs vs. Flying Five vs. Net Payout Yield [view article]
    Is there a ready source of payout yield for stocks? (or the components of it).

    Reply
  • commenter
    Jan 13 11:59 AM
    Strategy: Dogs vs. Flying Five vs. Net Payout Yield [view article]
    Interesting, but what's your point? It seems like the article just ended like the movie, "No Country for Old Men". I thought maybe there would be some further analysis after the lists. ??? Reply
  • commenter
    Mar 14 09:49 PM
    2 Stock Picks For the Subprime Mortgage Crisis [view article]
    Totally agree with your DFC pick/ suggestion. Classic case of throwing out the baby with the bath water!! If you also consider the following points, DFC is at extremely attractive levels:

    > The book value based on Fair Values in the latest 10K show that at Dec 31st, 2006 DFC has a book of $345 Million vs the carrying book value on the reported balance sheet of $149.6 Million. In other words, if the fair value of the financial instruments is close to what has been stated in the 10K, we are looking at a company trading at ~0.6x Fair Value book!!

    > One can be assured that the management has been conservative in their underwriting standards given their significant holdings (nearly 30%+ of the company is owned by directors and execs; the CEO Hugh Miller owns 27.6%). Furthermore, some well-known value players have dug into the name in the last few months. For example, Mohnish Pabrai (a value investor with north of 25% annualized rate of retun over the last 6yrs+) currently owns approx. 20% of the shares o/s after accounting for his recent purchases.

    > DFC is primarily a fixed-rate mortgage shop (92% of Q4 06 loan originations) and such loans have historically done better than ARMs in all economic cycles. Basically, the borrowers don't have to worry about their monthly rates going up and thus investors have to worry less about increased foreslosers because of this reason.

    > Because of DFC's focus on credit quality within the subprime space and risk management they have been able to squeeze above average Gain on Sale margins on the sale of their loan poprtfolios. The ABS marketplace is also likely to be more receptive to their loan portfolios once they see that they are much better placed than most in the sub-prime space.

    > Significantly, the existing ABS DO NOT have recourse to the company's assets unles, and only unless, there has been false documentation or fraud. The company also does not have any debt on its balance sheet.

    > DFC management has displayed considerable willingness to focus on profitability rather than volume. The industry players who have blindly gone for volume at all costs are paying the price now!!

    > DFC in the last Q conf call were talking about expanding their hiring given the distress in the industry and about taking market share.

    > The following Q3 06 factsheet tells a good story about DFC's standout profile. Q4 06 results were pretty much in line and as expected:
    www.deltafunding.com/f...

    Truly looks like a bargain.
    Reply
  • commenter
    Jan 03 10:03 PM
    My Website
    Hedge Fund Holdings in 3Q06 [view article]
    WYN is under heavy accumulation. Lehman was manager on a 2M block trade TODAY -- look for buyout of WYN sometime in early 2007.

    -DJ
    Kelley School of Business
    Reply