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While speaking in Kansas Obama said, “Banks should be working to keep responsible homeowners in their homes”. This statement does not have enough punch. The banks have never shown any strong desire to help the troubled house owners unless under duress; they will not change. They pocket more by foreclosing rather than modifying loans.

Federal agencies are continuing to hold takes with attorneys general of states to reach settlement with the banks regarding foreclosure abuses. The market is meanwhile riddled with underwater mortgages worth $700 billion. The possibility of banks being able to continue with abuses has not been looked in to. The public is in an angry mood. Against this background it would be prudent of Obama to seek a meticulous inquiry by the federal government.

Meanwhile another way that foreclosure can be prevented is to step up politician pressure without ceasing, for write downs of principals, increasing refinancing for those saddled with ARMs and granting forbearance for those house owners who are unemployed.

Obama stated that banks are resisting the reform agenda of Dodd-Frank “every inch of the way”. But what is Obama doing to fight back?  A satisfactory beginning would be if he told the public about whether law has the capability to perform as is laid out. Is the president confident that a big bank on the brink of collapse can be properly dismantled? Is he confident that risky trading by banks will be a thing of the past? If he is not sure about the working of the law he should see that implementation is bettered; otherwise he should see to the overhauling of the statute.

Personally Obama should put forward particular provisions of the Dodd-Frank reforms. The Republicans are hell bent to destroy the newly set up Consumer Financial Protection Bureau. Obama should see that his nominee, Richard Cordray, heads the bureau despite the hurdles put up by the Republicans. He should also see to rules relating to disclosure that the payment made to top executives is in proportion to what is given to the general employees. These disclosures are pivotal to changing the norms of the corporate world that have till now allowed for huge gaps in payment scales.

Above all tax reform is vitally important – the lavish breaks in taxes have to be reversed.

Obama has to go ahead with his plans for spending despite budget constraints.

In other words for Obama the mantra today is more jobs, less foreclosures and progressive taxes to bring back life to the middle class.

Source: http://www.articlesbase.com/finance-articles/the-possibility-of-banks-being-able-to-continue-with-foreclosure-related-abuses-has-not-been-looked-in-to-5727797.html

• Choose company that have great CEO. The company depends on the leadership of the CEO. He must serve as a
  motivator for his employees and strategist for the company. You can see the capability of the CEO from his track record. Does he can bring the company better previously? Look at their degrees and job experience. Where have they worked and for how long? Would you hire that individual to run your company? If the company have known politician to sit on its board, he will help the company with his experience on working in the government. Retired military officials are also very beneficial to companies if he is in the board.
• Companies that have over seas production can take advantage of lower cost. Lower cost can bring higher sales to more customers and a higher profit margin on each unit.
• Companies that operates over seas can enter in untapped market, this will usually bring more sales.
• Company must have competitive advantage from other company. If a company is selling the same product and service, then they are the same as other company. How can they beat other company if they don’t have any advantage from other company.
• Find companies which is expanding. One criteria of this is the company is hiring new employees.You can try speaking to the human resources human manager ask her if she is hiring. If the human resources manager tells you that they are hiring employees it is very important to find out for what positions. The position they are looking can tell you where the company is heading. You can ask him by telling that you are a prospect investor for the company and would like to know more about the company.
• Survey the company’s supplier. Ask them what they think about the company. Do they like doing business with them? Do they pay on time?
• Survey the company’s customer. Ask them what they think about the company. Do they like buying from the company?
• The company have reasonable debt. To measure the safety of a company, we use the debt to equity ratio (D/E). It is a financial ratio indicating the relative proportion of equity and debt used to finance a company’s assets. This ratio is also known as Risk or Gearing. It is equal to total debt divided by shareholders’ equity. The two components of debt and equity are often taken from the firm’s balance sheet, but the ratio may also be calculated using market values for both, if the company’s debt and equity are publicly traded, or using a combination of book value for debt and market value for equity.
  A high debt/equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as the result of interest expense. If a lot of debt is used to finance increased operations, the company could potentially generate more earnings. If this earnings is greater than the debt cost (interest), then the shareholders will benefit. However, if the cost of this debt outweigh the return that the company generates on the debt through investment and business activities, the company can go bankrupt.
  The debt/equity ratio depends on the industry in which the company operates. For example, capital-intensive industries such as auto manufacturing tend to have a debt/equity ratio above 2, while personal computer companies have a debt/equity of under 0.5.