Mid-Life MBA: The Art of Business

My own business always bores me to death; I prefer other people’s. (Oscar Wilde)

Lessons from a Hedge Fund

Posted in Uncategorized, Business Concepts, Business School by Eric Back on September 24th, 2006. [Del.icio.us]

Amaranth hedge fund participants lost half of their money as the fund suffered the losses from several bad bets, $5 billion in the last week alone.  Analysts suggest that Amaranth was overly dependent on bets on natural gas and on one trader in particular, 32 year old Brian Hunter of Calgary, Alberta.  Analysts further suggest that Hunter illustrates the problem of over dependence on debt by hedge funds, estimating that Hunter had to borrow $8.00 for every $1.00 of funds in order to cover his positions.

Broader diversification within the fund would have mitigated losses, though at the expense of the better than 20% returns that the fund had been enjoying.  Still, the staggering losses of the past month underscore the value of the diversity principle, that the standard deviation of a portfolio is less than the weighted average of the individual components.

 

The Week Ahead

Posted in Analysis by Eric Back on September 24th, 2006. [Del.icio.us]

The end of summer rally that brought the DOW within 110 points of its all time high lagged last week like a first-time, marathon runner hitting “the wall.”  Though a correction of some measure was likely, the Philadelphia Fed’s report on economic indicators gave it an excuse.  Treasuries rose, the dollar declined and stocks sagged.  The measure of comfort was found in lower oil prices as crude dropped below $61.00 dollars a barrel.

The market is probably due for some more declines in the short term, but shouldn’t pull back too dramatically, said Paul Rabbit, president at Rabbit Capital Management for CNN Money. He noted that the tail end of a quarter can be challenging as companies tend to warn investors if quarterly earnings are on track to disappoint.

In addition the last week of September is often rough, the Stock Trader’s Almanac notes, in that its the end of the fiscal year for a lot of mutual funds, and so managers tend to sell their losers for tax purposes.

But beyond the next week or so, “I think we’ll see an upward bias,” Rabbit said.

Marketing 101: What’s In a Name?

Posted in Uncategorized by Eric Back on September 15th, 2006. [Del.icio.us]

I came across a web site for one person’s home, child-care service.  I suspect the general market’s booming but with a name like “Little Buggers Child Care,” this business might have a lot of spare real-estate in the playroom.

It’s in a gated community but would you feel secure enough to send your child there?

Faint Praise for Medicare, Drug Benefit

Posted in Economics, Healthcare by Eric Back on September 9th, 2006. [Del.icio.us]

The Kaiser Family foundation released studies on Thursday showing that most Physicians and Pharmacists believe that the Medicare, prescription, drug benefit is helping people save money but feel that it is overly complex.

Among the findings in the survey of 834 Physicians and 802 Pharmacists:

  • 53% of pharmacists and 27% of physicians believe that the Medicare prescription drug benefit has created administrative burdens;
  • 53% of pharmacists and 46% of physicians believe that the administrative burden of the medicare plans are greater than that of commercial health plans;
  • 27% of independent pharmacists say they have had to take out a loan or line of credit because of cash-flow problems related to the Medicare benefit;
  • Eight in 10 pharmacists said they have had customers that experienced problems with access to medications under the Medicare prescription drug benefit, and one in five said that such problems affected “most” customers;
  • 45% of pharmacists who serve dual eligibles — beneficiaries whose prescription drug coverage was transferred from Medicaid to Medicare when the prescription drug benefit began — said that those customers experienced more problems with access to medications than other Medicare beneficiaries (Kaiser Family Foundation release, 9/7);
  • Two in three pharmacists said that customers have left their pharmacies without medications because the treatments did not appear on the formularies of their Medicare prescription drug plans, and nearly six in 10 pharmacists said that customers have paid for treatments out of pocket because they could not verify their enrollment in plans (Carey, CQ HealthBeat, 9/7);
  • About half of pharmacists said that customers have left their pharmacies without medications because they could not afford copayments (Kaiser Family Foundation release, 9/7);
  • 59% of physicians with patients enrolled in Medicare prescription drug plans said that some of those patients have experienced problems with access to medications, and 15% said that such problems affected “most” of their patients;
  • One in 10 physicians said they have had a patient experience “serious medical consequences” as a result of problems with access to medications under the Medicare prescription drug benefit (CQ HealthBeat, 9/7);
  • 69% of physicians said that they are not familiar with Medicare prescription drug plan formularies, and 59% said that they rarely or never review formularies before they prescribe medications to beneficiaries; and
  • 85% of pharmacists and 57% of physicians believe that they have “a lot” or “some” responsibility to advise seniors about the Medicare prescription drug benefit (San Francisco Chronicle, 9/8). 
  • For the complete article visit the Kaiser network. 

    Can anyone say “Nationalized Healthcare?”