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As the Western Secondary winds up, and weary capital markets staff & vendors head home from Orange County, perhaps humming “California Gurls,” working conditions and changes in the work environment are still a topic. For example, Goldman Sachs is making a concerted effort for its workforce to return to the office five days a week. I’ve concluded that I need a non-technical, high-paying, remote job that can be done with minimal effort. It turns out that there’s a term for it: “Lazy-girl job.” AEs and vendor sales staff have gradually returned to calling on offices and occasionally bringing those pink boxes filled with treats. While we wrap up with this state, pink boxes started appearing in Southern California courtesy of Cambodian refugee (and successful So-Cal donut shop owner) Ted Ngoy. Many other Cambodian and South Asian immigrants became donut shop owners after coming to the United States in the mid-1970s to escape the Khmer Rouge. Ngoy’s donut boxes were supplied by a paper company called Westco, and he was hoping to save a few bucks by using a cheaper box. According to the Los Angeles Times, 200 pink boxes cost $20… and 200 white boxes, $25. (Today’s podcast can be found here and this week’s is sponsored by PHH Mortgage. For over 30 years, PHH Mortgage has provided industry-leading mortgage services and helped countless homebuyers and homeowners find financing solutions to meet their needs.) Lender and Broker Software and Services
Competition is the mainstay of many businesses and individuals. How does UPS compete to hire drivers for their trucks? One way might be to offer air conditioning, which has been negotiated for the first time. Lenders and vendors are led by competitive people, and several own interests in major or minor league sports franchises, the latest being Stan Middleman & the Phillies. Competition in the food and beverage industry? SF’s Anchor Steam was scaling back, Tupperware is in rough straits, and now the owner of Pyrex and Insta Pot is filing for bankruptcy! How is the public expected to keep its leftovers!? Builders are out there competing for lots. Residential lenders don’t compete with real estate agents, but NAR is always discussing its lobbying efforts. This week the Mortgage Bankers Association (MBA) is hosting a national, industry-wide campaign to grow its free grassroots advocacy network, the Mortgage Action Alliance (MAA), a non-partisan and effective way to participate in the political process. It only takes a minute or two to sign up, and there is strength in numbers! (Today’s podcast can be found here and this week’s is sponsored by SimpleNexus, the homeownership platform that unites the people, systems, and stages of the mortgage process into one seamless, end-to-end solution that spans engagement, origination, closing, incentive compensation, and business intelligence. Today’s has an interview with CoreLogic’s Thom Malone on investor activity in the housing market and takeaways from the latest CoreLogic housing reports.)
Here’s a couple informal reads on the economy. When I have a few extra ducats in my pocket, sometimes I’ll spring for the more expensive Shrimp Alfredo at Olive Garden instead of the cheaper Lasagna Classico. When Freedom Mortgage’s Stan Middleman is faced with a similar situation, instead of buying a couple seats near the dugout of the Philadelphia Phillies, he bought a piece of the entire team. I have some Tupperware that I never bought. You? My Mom went to Tupperware parties: Not expensive, lasts forever, people would have their favorites pieces, using it better than thousands of miles of plastic wrap clogging the landfills every year. But Tupperware is faltering. And so is San Francisco’s 127-year-old, iconic Anchor Brewing Company. The brewer of Anchor Steam, owned by Japan’s Sapporo, confirmed that it would not brew its beloved Christmas Ale this year due to time and cost constraints. America’s first microbrewer is planning to pull back its 50-state distribution footprint to just one: California, where the Anchor brand does roughly 70 percent of its business. (Today’s podcast can be found here and this week’s is sponsored by SimpleNexus, the homeownership platform that unites the people, systems, and stages of the mortgage process into one seamless, end-to-end solution that spans engagement, origination, closing, incentive compensation, and business intelligence. Today’s has an Interview with 1st Signature Lending’s Matt Bridgman on all aspects of the construction-to-permanent (CTP) space.)