Spring 2004 "Money Talks" Newletter
According to the Bank Lending Barometer (BLB) index, it appears that banks have awakened and ended the long drought of restrictive lending to small businesses.

Winter 2004 "Money Talks" Newletter
Once again the Maryland General Assembly is considering legalizing slot machines in the state of Maryland. Once again they have the support of theState's "Conservative" Governor.

Fall 2003 "Money Talks" Newletter
You have undoubtedly heard by now that a lot of white-collar jobs are going overseas. More specifically, clerical and telephone customer support jobs have gone overseas to (supposedly) English-speaking residents of other countries. Companies say they are doing this to save costs and because there is a limited work force available in the United States. (Remember there have been 20 million abortions since 1973 that have reduced the work force).

Summer 2003 "Money Talks" Newsletter
Many financial pundits have pointed their fingers at the auditors in the recent corporate scandals that have rocked the financial world. The auditors were, of course, to blame to some extent; but the true villains have been the companies' upper management.

Spring 2003 "Money Talks" Newletter
After passing the Senate Floor by a vote of 25-21 on March 22, Senate Bill 322 could not make it out of the House Ways and Means Committee. The innocuously titled "Public Education Bridge to Excellence - Funding - Video Lottery Terminals" Bill received an unfavorable report from Ways and Means on April 3 by a vote of 16-5. It is now dead until the January 2004 session when it will have to be brought back as entirely new legislation.

Winter 2003 "Money Talks" Newletter
The $2 billion deficit that the State of Maryland currently faces is the result of -- not a lack of revenue.Our newGovernor andmany legislators seem to believe that the way to solve this deficit is not by bringing spending back to reasonable levels, but by trying to increase the State's revenue.

Fall 2002 "Money Talks" Newsletter
Terry Klein, President of First Nationwide Mortgage located in Frederick Maryland, will be leaving the area. The company he works for, which is a subsidiary of a large national bank, is being sold. Terry contributed generous amounts of money to many non-profit organizations in the Frederick area, helping themmeet some budget shortfalls. His greatest contribution, however, was his active participation in the board rooms of these organizations. Terry continually stressed that these organizations had to be financially responsible and accountable to their goals. His presence will be sorely missed.