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Tom Herald

Articlesby Tom HeraldAugust 29, 2007

The Rate of Change

“If the rate of change on the outside exceeds the rate of change on the inside, the end is near.” Change is inevitable and it’s going to happen no matter what.

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Articlesby Tom HeraldJuly 1, 2007

The Three "C's" of Finance

Before the days of the Internet, credit bureaus or even the telephone, bankers loaned money to consumers to purchase items that they otherwise could not afford. Banking was a professional art where the often intimidating loan officer would structure a loan around what was called the Three “C’s” of Finance –

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