Archive | June 2016


“Nothing personal. Strictly business.” – who said that??
And… What does this below event remind us of? How do we apply it in our professional practice?


WIIFM… US Federal Deposit Insurance Corporation (FDIC) Chairperson Gruenberg spoke at the Urban Financial Services Coalition June 2016 Annual National Summit and networked with the attendees. The FDIC insures over 4.8 Trillion Dollars in deposits and has over 5,000 employees.  
Were you present? Did you meet Chairperson Gruenberg? You did?!? Congratulations on being proactive and investing in your OWN education and career brand!


US Federal Deposit Insurance Corporation Chairman Gruenberg speaks at the Urban Financial Services Coalition June 2016 Annual National Summit and networks with the attendees. Were you present? Did you meet him?

Reason #3a you should be a member of UFSC…

Reason #3a that you should be a member of the Urban Financial Services Coalition (UFSC) if you work in finance. BREXIT. If you are a member of the UFSC you have a direct personal pipeline to the Federal Reserve, which is the key central financial authority in the WORLD. Are you INVESTING in your own CAREER BRAND? 

Investing Action Plan: Post-Brexit Central Bank, EU Meetings; Nike Earnings


Investing Action Plan: Post-Brexit Central Bank, EU Meetings; Nike Earnings

Markets will again look to Fed chief Janet Yellen as she and counterparts from the U.K. and eurozone meet. (U.S. Federal Reserve)

Markets will again look to Fed chief Janet Yellen as she and counterparts from the U.K. and eurozone meet. (U.S. Federal Reserve)

IBD STAFF6/25/2016

Here’s your Investing Action Plan: what you need to know as an investor for the coming week.
Fallout from the U.K.’s vote to leave the European Union will consume markets, with attention turning to a meeting of top central bankers. Departing British Prime Minister David Cameron will also face EU counterparts. Nike (NKE) and Micron (MU) lead a trickle of earnings reports, while Lockheed Martin (LMT), Northrop Grumman (NOC) and Verizon Communications (VZ) could offer shelter from the storm… 

*To URL above for remainder of article.

Thank you for this weeks’ Urban Financial Services Coalition (UFSC) National Annual Summit session pictures and comments SF Bay Area Chapter President Jasper Smith! Enlightening and empowering…

To ensure the full and equitable participation of people of color at all levels in the financial services industry.

To be the pre-eminent financial services organization that provides professional development programs, supports educational advancement and promotes economic empowerment for its members and minority communities at large.


Conversation starter I wrote a while back… 

What do you think?
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Guest commentary: Studying the past can help us stay out of hot water
By Walter Brown Jr, guest commentary © 2015 Bay Area News Group
POSTED: Thursday, April 9, 2015 – 6:12 p.m. 

Confucius said: “Study the past if you would define the future.”
According to a local March 4 newspaper report, in 2009, the Federal Reserve was not sure of what remedies to apply to help the U.S., and by extension, the distressed world economy. They were very worried. The economy was still falling, and giant corporations such as AIG, Bank of America, General Motors and others were still in trouble.
The Fed had not “broken the code” to reverse the economic decline.
Many minority and working-class households were taking record financial losses during this period with job layoffs, work-hour reductions and foreclosures.
We can pick up some valuable lessons from this recent economic history.

Some of the lessons of history, while not foolproof are:
First lesson: Deal with integrity, and only work with people who deal with integrity. Be accountable, and hold others accountable.
What happened: The folks who dealt with integrity usually attracted the best people and opportunities to themselves, resulting in profitable dealings during this recessionary period.
Second lesson: Savings reserves for a “rainy day” are critical.
What happened: The companies and individuals that had “rainy day” funds set aside were usually able to “weather the storm” with some cost-cutting. Many also were able to make smart purchases at discount prices. As some investors said, “America was on sale.”
Third lesson: Continue self-education and patience.
What happened: Many of the normal points of reference for making business decisions, seeking employment and making investments had changed. Consumers and business people continually had to educate themselves regarding “what is happening now, what appears to be coming next and why.”
By executing that mindset, as examples, investors bought into Netflix versus Blockbuster or Walmart versus Kmart for success. Self-education with a strong financial reading program is important and cannot be substituted.
The above lessons can be refined in a variety of places including involvement with reliable community organizations, having good financial advisers and talking with smart friends about major decisions.
Organizations such as the Contra Costa County Financial Counseling, the National Foundation for Consumer Credit, the Consumer Finance Protection Bureau, the Federal Reserve, the Securities and Exchange Commission, Operation Hope, the Salvation Army, the Urban League, the Urban Financial Services Coalition offer regular educational workshops that can help with good financial decision-making.
In retrospect, the Federal Reserve’s 2009 minutes are quite interesting reading for consumers and business owners. These minutes certainly emphasize that despite whatever is happening around us, we must remember basic lessons from “the past” to translate the “new codes” that appear and stay out of hot water financially.
Walter Brown Jr., DE, is national president of the Urban Financial Services Coalition,, a 41-year-old service organization with members in the United States and Canada. He is a 30-year-plus financial services industry veteran with expert knowledge in all phases of real estate mortgage management and operations. Since 1997, he has served as principal of WB Lending Solutions/WB Strategies, a real estate consulting firm based in the Bay Area.
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WB Lending Solutions

“Initiative” is a vital process ingredient to obtain “World Class Customer Service”.


WB Lending Solutions


($112,200.00) We will check out this institutional home loan presentation to see if there is anything our WB Lending Solutions clients can benefit from because moderate income can be as high as $112,200.00 in our area:



A simple tool of knowledge workers…Urban Financial Services Coalition members are knowledge workers extraordinaire…


Seize the moment! Say yes.

Ask the hard “how does this connect to what I already know”, “why” and “how can this help me” questions! Be thought provoking and bold!
“Don’t wait for extraordinary opportunities. Seize common occasions and make them great. Weak persons wait for opportunities; strong people make them.”
-Orison Swett Marden