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David Oser
Chief Financial Officer Craft3
Recent Activity
What a simple question! Houses are listed for sale with the prices clearly stated. You make a bid, usually 10% below the list price. If it's accepted and validated by an appraisal, the price is set. On Wall Street, the... Continue reading
Posted Dec 17, 2012 at The Oser View
"Rogue institution" or "grandstanding" regulator? "A victory for Benjamin M. Lawsky and his 10-month old agency" or a bank that "acted with pragmatism and integrity in the face of extreme provocation?" The case at issue is the New York State... Continue reading
Posted Aug 19, 2012 at The Oser View
The concept of "trillions" has always eluded my comprehension. The picture shows how physically large a stack of a trillion one dollar bills is, which helps a bit. Now try to imagine a stack eleven times as large. That would... Continue reading
Posted Jul 14, 2012 at The Oser View
Interest is usually defined as the cost for the use of money. But that's not precisely correct. Interest is the cost of using a particular kind of money—the money a lender expects to get back. Obvious? Maybe, but unless we... Continue reading
Posted Jun 10, 2012 at The Oser View
By now, everyone is aware of that most publicized, and most politicized, of economic statistics: payroll employment in the United States rose by 115,000 in April. This does not mean that the economy simply added a total of 115,000 jobs;... Continue reading
Posted May 8, 2012 at The Oser View
Joe Hill ain't dead, he says to me Joe Hill ain't never died Where working men are out on strike Joe Hill is at their side There was a time in America when the labor union movement was a powerful... Continue reading
Posted Mar 11, 2012 at The Oser View
January 25, 2012 Coaches love to preach the fundamentals. There is a story, possibly apocryphal, about Green Bay Packers coach, Vince Lombardi, addressing his team after a particularly egregious loss. Pointing to an object on his desk, he said, "Gentlemen,... Continue reading
Posted Jan 25, 2012 at The Oser View
Grover Cleveland, 22nd & 24th President Benjamin Harrison, 23rd President In a recent New York Times column, David Brooks complains that members of the Obama administration have been comparing the present political and social environment to the Progressive era. The... Continue reading
Posted Jan 2, 2012 at The Oser View
Over the years I have read many speeches—and have been privileged to attend a few—given by high officials of the Federal Reserve System. Despite the differing economic circumstances and economic views expressed, what's most remarkable is how similar the speeches... Continue reading
Posted Aug 28, 2011 at The Oser View
James J. Hill was a poor boy, born in Canada in 1838 and blind in one eye. Yet, he became one of the great American railroad tycoons of the 19th century. His signal accomplishment was building the Great Northern Railroad... Continue reading
Posted May 24, 2011 at The Oser View
Last fall a left-handed pitcher named Cliff Lee signed a $120 million, five-year contract to play for the Philadelphia Phillies. Mr Lee actually turned down more money and more years from other teams in what was this off-season's most frantic... Continue reading
Posted Mar 27, 2011 at The Oser View
The Obama Administration recently issued what it disingenuously calls a "plan to reform America's housing finance market." In fact, only four of the document's 31 pages constitute anything even resembling a plan, and the three options in those pages are... Continue reading
Posted Feb 21, 2011 at The Oser View
A Review of Disintegration by Eugene Robinson James Joyce begins the third section of his novel Ulysses with the phrase "Ineluctable modality of the visible." As in much of his famously difficult prose, Joyce compresses an enormous idea in the... Continue reading
Posted Jan 24, 2011 at The Oser View
“George Jetson lives in the future and he works in a factory where all he has to do is push a button. He pushes it and robots do all the work. His job is literally a joke, and the joke... Continue reading
Posted Nov 28, 2010 at The Oser View
But, no, actually, he didn't. The unemployment rate was 6.2% when voters went to the polls in 2008. Now, it's 9.6%. That's why independent voters decided that anyone was better than those in power, flocking to the Republicans and "shellacking"... Continue reading
Posted Nov 7, 2010 at The Oser View
In his memoirs, Mikhail Gorbachev recounts the following conversation: I met with Mr Nixon, and he said to me then: I have grounds to say, on the basis of my vast political and life experience, that the search for the... Continue reading
Posted Oct 11, 2010 at The Oser View
Please click on the following to link for a video interview conducted by Wayne VIsser of CSR International. Continue reading
Posted Oct 2, 2010 at The Oser View
Presented at Roosevelt University September 7, 2010 ShoreBank lived for 37 years. Its founders acquired the $40 million South Shore National Bank in August 1973. The FDIC seized the $2.1 billion ShoreBank in August 2010. In between, ShoreBank evolved from... Continue reading
Posted Sep 7, 2010 at The Oser View
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Aug 27, 2010
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Mar 15, 2010