In personal finance, we discuss our net worth, or the total value of
our assets less debts.
Not exact matches
Even though the Massachusetts filers owed substantially more in unsecured
debt (that is,
debt not backed by a home, a car, or another
asset) than their counterparts in other states, they reported
less than half as much medical
debt, which is also unsecured.
They usually pay good dividends, usually trade for
less than their cash or
assets in the bank, and are fairly stable (it's very hard for a municipality to not pay back its
debts for various reasons, some of them constitutional).
Other benefits of investments using
debt include tax advantages and a higher return on my investment (ROI) because I've used
less of my own money to purchase the
asset.
Of course, with
debt in 2016 rising by roughly 40 — 45 percentage points of GDP while nominal GDP grew by
less than 8 percent, it isn't easy to explain how the real value of
assets in China grew by roughly 40 — 45 percentage points of GDP, nor why it is proving so difficult to rein in credit growth without a sharp slowdown in GDP growth.
Long - term
debt should be
less than 40 % of total capital, and the current ratio (current
assets divided by current liabilities) should exceed 2.0.
In addition, broad measures of saving have remained positive, and household wealth —
assets such as stocks and homes,
less debt — is on the rise.
What is to stop U.S. banks and their customers from creating $ 1 trillion, $ 10 trillion or even $ 50 trillion on their computer keyboards to buy up all the bonds and stocks in the world, along with all the land and other
assets for sale, in the hope of making capital gains and pocketing the arbitrage spreads by
debt leveraging at
less than 1 % interest cost?
-- Goethe What is to stop U.S. banks and their customers from creating $ 1 trillion, $ 10 trillion or even $ 50 trillion on their computer keyboards to buy up all the bonds and stocks in the world, along with all the land and other
assets for sale, in the hope of making capital gains and pocketing the arbitrage spreads by
debt leveraging at
less than 1 % interest cost?
The report also analyzes how the better farmers are subsidizing the
less - productive ones, and how the whole system costs several hundred million dollars a year in
debt servicing costs, capital that could be better used to fund tangible and productive
assets.
Still, with
less than $ 100 million in
debt due before 2020, Barrick executives said the company is shifting to a growth strategy, focusing on Nevada and the Dominican Republic, and will no longer sell
assets in order to reduce its billions of dollars in
debt.
Three others could also boost income: counting municipal bonds as liquid, or easy - to - sell,
assets; requiring
less debt that won't have to be paid back if a bank fails; and making it easier to comply with post-crisis rules.»
At least 30 % of the fund's total
assets must be invested in Weekly Liquid Assets, which can consist of cash, direct obligations of the U.S. government such as U.S. Treasury bills, certain other U.S. government agency debt that is issued at a discount and matures within 60 days or less, or securities that will mature or are payable within 5 business
assets must be invested in Weekly Liquid
Assets, which can consist of cash, direct obligations of the U.S. government such as U.S. Treasury bills, certain other U.S. government agency debt that is issued at a discount and matures within 60 days or less, or securities that will mature or are payable within 5 business
Assets, which can consist of cash, direct obligations of the U.S. government such as U.S. Treasury bills, certain other U.S. government agency
debt that is issued at a discount and matures within 60 days or
less, or securities that will mature or are payable within 5 business days.
The flip side of saving
less is borrowing more, as evidenced by the leap in all consumer
debt and
debt service, both in relation to disposable (after - tax) income and relative to
assets.
Some of this gap in net
assets also comes from the higher lifetime income of the household without student loan
debt; though the indebted household begins their careers earning more, their income falls behind that of the
debt - free household by its early 40s, and earns significantly
less during the peak earning years of the mid-50s.
If the value of your
assets is
less than the amount of
debt you owe, filing may be a great option.
A reverse mortgage loan is «non-recourse», meaning that if you sell the home to repay the loan, you or your heirs will never owe more than the loan balance or the value of the property, whichever is
less; and no
assets other than the home must be used to repay the
debt.
An individual's value to his creditors at time of filing a consumer proposal comprises his
assets valued at liquidation (auction) pricing (that may be a garage sale for your furniture and household goods, the wholesale cash buyer for your car, or the pawnbroker for your jewellery) after deducting exemption in prescribed, legislated amount (s) for car, household goods, clothing, tools of the trade, medical aids, home, life insurance, pensions, RRSP, etc., which amounts to little or nothing for the large majority of us,
less than our
debt in any case.
Two things must be true — a firm must not be able to raise cash to make a
debt payment, and the
assets of the firm are worth
less than the liabilities.
Or, the equity investors that have control of the company might pursue a unprofitable strategy that encumbers the
assets of the firm, leaving the bondholders with a
less valuable entity for their
debt claims.
Invest the money conservatively and keep on top of the
asset allocation and your kids will graduate from school with much
less debt than had you not used the RESP.
And here is the second try: Gross margins as a ratio of
Assets over 13 %, free cash flow yield over 5 %, Long - term
debt as a ratio of free cash flow greater than five,
less than 20 % above the 52 - week low.
Remember, shareholder's equity is
assets less liabilities, which represent what the firm owes, including its long - and short - term
debt.
All applicants must have a credit score of 740 or higher, combined
debt to income ratio of 38 % or lower, meet program
assets requirements and have a Loan to Value Ratio
less than or equal to 60 %.
If you sell the home to repay the loan, you or your heirs will never owe more than the loan balance or the value of the property, whichever is
less; and no
assets other than the home must be used to repay the
debt
It sounds to me like them having
less debt DID allow them to jump on an opportunity very quickly, which in turn built up their
assets that will make more money in the future.
The Net Current
Asset Value (NCAV) calculates the value of a firm's cash, inventory, and receivables
less all liabilities and preferred stock which is treated as
debt.
If the original creditor charges off your
debt, that merely means it's given up trying to collect and has taken an accounting charge that converts your
debt (
less its market value — more below) from an
asset to an expense in its books.
FHA approved lenders have tightened some of their guidelines, too, so that home buyers and borrowers who want to refinance with an FHA loan now must have a credit score of 620 or 640 or above for most lenders, a
debt - to - income ratio of no more than 43 percent and sometimes
less, and documented income and
assets.
If you can not afford the payments to your creditors or your
assets are worth
less than your total
debts, you are likely to be insolvent.
Carry
less debt in proportion to their
assets, giving high - performing businesses more leeway to invest in growth.
In Alberta most financing agreements allow the secured lender to pursue you for the full balance of the
debt and any sales / collection costs
less any proceeds from the sale of the
asset in question.
Thanks CC, I appreciate the opportunity to discuss this as I find «educated» people are the hardest ones to communicate with about SM, they can use their knowledge (consciously or subconsciously) to duck and dodge what seems to me is the inescapable logic of the superiority of SM in the case of most people who are in position to do it (this I know not from technical analysis or anything, just looking at people who have as much or more income than I do, with similar expenses, but they have half the house or
less and are going nowhere fast with their
debt to
asset ratio and their retirement savings are going to be inadequate if they don't change what they are doing).
Then, as
debts become unsustainable, there are crashes where the previously favored
asset class returns to reasonable pricing or
less.
Strategy: This fund is primarily invested in fixed income securities issued or guaranteed by the U.S. Government, its agencies, or instrumentalities, and corporate
debt instruments, including but not limited to
asset - backed and mortgage - backed securities rated not
less than Baa3 / BBB - by two or more nationally recognized rating services.
The trading left the fund with a slightly higher percentage of holdings in
less liquid
assets, such as corporate bonds, bank loans and
asset - backed
debt.
The fair market value of all your
assets has to be
less than your total
debt for insolvency, and you're limited to the amount of insolvency.
Net Current
Asset Value (NCAV) is calculated by taking the current
assets less long - term and short - term
debt less the dollar value of preferred stock outstanding.
As of July 10, the fund held 88 % of its
assets in equities, with only 12 % in cash or
debts securities that will mature in
less than one year.
It's specifically aimed at those with
debts of
less than # 20,000 who do not own a house (or have any other
assets totalling over # 1,000, such as savings).
Estate taxes are calculated on the net value of your estate, which includes all your
assets less allowable
debts, expenses, and deductions (such as mortgage
debt and administrative expenses for the estate).
If a non-financial
assets and some Financial
assets like
Debt Mutual Funds, Gold ETFs etc., are held for
less than 36 month, investor will make either Short Term Capital Gain (or) Short Term Capital Loss on that investment.
The fund's principal investment strategy is to normally invest at least 80 % of the fund's
assets in investment - grade
debt securities that have a dollar - weighted average portfolio maturity of 18 months (one and a half years) or
less.
the commandments sound pretty, applicable to
less developed countries, no one can survive without borrowing; leveraging your capital
assets requires you to pay back the
debt.
VZ, on the other hand, has better
assets and is the domestic play but will have a lot more
debt and
less broad geographic exposure.
I am not sure about his idea of needing
less assets saved nor why he doesn't advocate paying off the
debt versus constantly servicing it.
Unless the mortgage scheme can renew or extend the due date of its
debts, the scheme might be forced to sell
assets (possibly for
less than their estimated value) to repay them.
Pershing Square's purchase obligation for the U.K. subsidiaries is at a price of $ 65.0 (
less any
debt attributable to those
assets) and on customary terms to be negotiated.
The net current
assets investment selection criterion calls for the purchase of stocks which are priced at 66 % or
less of a company's underlying current
assets (cash, receivables and inventory) net of all liabilities and claims senior to a company's common stock (current liabilities, long - term
debt, preferred stock, unfunded pension liabilities).
Unless the scheme can renew or extend the due date of its
debts, it might be forced to sell
assets (possibly for
less than their estimated value) to repay them.