Cmo Quotes

The best business advice I ever got was simple but quite impactful: ‘If you can’t measure it, you can’t manage it.

One of my duties was to give the mail that had been sent from relatives of people in the CMO to Olivia and Julia, who served as the screeners. In CMO, they had passed around a slip that we were required to sign, allowing our mail to be opened and inspected. Every piece of mail had to be read before it was distributed. If there was any sign of anti-Scientology sentiment, the letter was not passed on.

Mortgage securities. Pooled together from thousands of mortgages around the United States, these bonds are issued by agencies like the Federal National Mortgage Association (“Fannie Mae”) or the Government National Mortgage Association (“Ginnie Mae”). However, they are not backed by the U.S. Treasury, so they sell at higher yields to reflect their greater risk. Mortgage bonds generally underperform when interest rates fall and bomb when rates rise. (Over the long run, those swings tend to even out and the higher average yields pay off.) Good mortgage-bond funds are available from Vanguard, Fidelity, and Pimco. But if a broker ever tries to sell you an individual mortgage bond or “CMO,” tell him you are late for an appointment with your proctologist.

How do you know when the CIO and the CMO don't get along?" asks Jay Ferro, CIO of the American Cancer Society. "When the CEO hires a chief digital officer. The CDO role is a Band-Aid for two executives who can't get along.

One of the main ​reasons that MMM doesn’t deliver the benefits it should is because CMOs and marketers aren’t involved in the analysis. In many cases companies outsource the analysis or throw it over the wall to an internal analytics team. The result we often see is that the CMO pushes back on implementing the findings of the analysis, either because it’s too complex or challenges the status quo. Often times there’s a high level of distrust due to a lack of transparency into the process, so even if there’s great analysis there, the CMO won’t act on it.

Take a typical three-hundred-million-dollar CMO. It would be divided into three tranches, or slices of a hundred million dollars each. Investors in each tranche received interest payments. But the owners of the first tranche received all principal repayments from all three hundred million dollars of mortgage bonds held in trust. Not until first tranche holders were entirely paid off did second tranche investors receive any prepayments. Not until both first and second tranche investors had been entirely paid off did the holder of a third tranche certificate receive prepayments.

For though there was no chance of persuading a pension fund manager looking to make a longer-term loan to buy a Freddie Mac bond that could evaporate tomorrow, one could easily sell him the third tranche of a CMO.

No longer were the prices of ordinary mortgage bonds allowed to roam inefficiently, for they were now linked to the CMO market, in much the same way that flour is linked to the market for bread. Fair value for CMOs (the finished product) implied a fair value for conventional mortgage bonds (the raw materials).

The most dramatic change will be the marketing department’s reinvention as a “customer department.” The first order of business is to replace the traditional CMO with a new type of leader—a chief customer officer. The

Customer success is defined as “the customer’s desired outcome, plus the customer’s desired experience.

Good mortgage-bond funds are available from Vanguard, Fidelity, and Pimco. But if a broker ever tries to sell you an individual mortgage bond or “CMO,” tell him you are late for an appointment with your proctologist.

Publicly traded residential mREITs include: • Ellington Residential Mortgage REIT, trading as EARN and yielding 12.30 percent • Armour Residential REIT, trading as ARR and yielding 10.39 percent • Capstead Mortgage Corporation, trading as CMO and yielding 6.64 percent As with all investments, higher returns are associated with higher risk levels, so don’t judge REITs based solely on their current yields.

Cristo não condena ninguém à danação; ele mesmo é pura salvação, e quem se encontra nEle está no lugar da salvação e da graça. A desgraça não é decretada por Cristo, mas se dá onde o homem ficou longe d'Ele; ela ocorre quando o homem permanece em si mesmo. A palavra de Cristo, cmo oferta de salvação, tornará evidente que foi o próprio condenado quem estabeleceu a fronteira e se apartou da salvação.

The CMO should not and cannot rely on empathy alone to guide them, rather than market research. Likewise, no amount of market research can entirely replace empathy for the customer.

what’s now clear is that Satoshi was designing a technology that if existent would have likely ameliorated the toxic opacity of CMOs. Due to the distributed transparency and immutable audit log of a blockchain, each loan issued and packaged into different CMOs could have been documented on a single blockchain. This would have allowed any purchaser to view a coherent record of CMO ownership and the status of each mortgage within. Unfortunately, in 2008 multiple disparate systems—which were expensive and therefore poorly reconciled—held the system together by digital strings.

But if a broker ever tries to sell you an individual mortgage bond or “CMO,” tell him you are late for an appointment with your proctologist.

Just remember that a mix is good. Decider Who makes decisions for your team? Perhaps it’s the CEO, or maybe it’s just the “CEO” of this particular project. If she can’t join for the whole time, make sure she makes a couple of appearances and delegates a Decider (or two) who can be in the room at all times. Examples: CEO, founder, product manager, head of design Finance expert Who can explain where the money comes from (and where it goes)? Examples: CEO, CFO, business development manager Marketing expert Who crafts your company’s messages? Examples: CMO, marketer, PR, community manager Customer expert Who regularly talks to your customers one-on-one? Examples: researcher, sales, customer support Tech/logistics expert Who best understands what your company can build and deliver? Examples: CTO, engineer Design expert Who designs the products your company makes? Examples: designer, product manager

Examples of a patient care system would include: 1.​The dental emergency appointment 2.​The new patient experience 3.​The VIP consult (which is a free second opinion consultation) 4.​CMO exam – the craniomandibular orthopedic workup 5.​21-Point smile analysis – the cosmetic evaluation 6.​Periodontal – oral – systemic connection treatment protocol 7.​Dental implant exam and diagnosis appointment with the cone beam CT scan 8.​Full-mouth reconstruction pre-planning appointment 9.​Full-mouth reconstruction appointment 10. Invisalign exam and impression appointment

Decider Who makes decisions for your team? Perhaps it’s the CEO, or maybe it’s just the “CEO” of this particular project. If she can’t join for the whole time, make sure she makes a couple of appearances and delegates a Decider (or two) who can be in the room at all times. Examples: CEO, founder, product manager, head of design Finance expert Who can explain where the money comes from (and where it goes)? Examples: CEO, CFO, business development manager Marketing expert Who crafts your company’s messages? Examples: CMO, marketer, PR, community manager Customer expert Who regularly talks to your customers one-on-one? Examples: researcher, sales, customer support Tech/logistics expert Who best understands what your company can build and deliver? Examples: CTO, engineer Design expert Who designs the products your company makes? Examples: designer, product manager