Sentences with phrase «even financial assets»

A single error could cause you to damage your water craft or someone else's, and even your financial assets if you find yourself at the wrong end of a lawsuit.

In reality the liquidation value of assets (even financial assets) is very different from their historical cost, or their market value, or the present value of their productive use.

Not exact matches

In a closely - watched keynote speech at a banking conference in Frankfurt, Draghi dropped his clearest hint yet that the ECB will expand its program of asset purchases, which depresses interest rates by injecting money into the financial system, and may also push its official deposit rate even further into negative territory, from its current record low of -0.20 %.

The financial sector wins at the point where you don't see that the prices that the banks are inflating are asset prices — real estate prices, bond and stock prices — and that the role of commercial banks is to increase the power of wealth over the rest of society, over labour, over industry, to create a new ruling - class of bankers that are even more heavy than the landlords that were criticised in the last part of the 19th century.

You can see evidence of these scars in many clients» allocation of their financial assets; before we even begin to discuss asset allocation from an investment standpoint, we focus on making sure clients have sufficient liquidity to make it through another crisis.

Hensarling and other Dodd - Frank critics have called that ability — known as «orderly liquidation authority» — a bailout, even though any taxpayer money used is supposed to be recouped from the sale of the company's assets or an assessment on the financial industry.

After nine years of a bull market, your 401 (k) retirement plan is likely your largest financial asset, perhaps even dwarfing the value of your home.

thanks, and yes, a pittance of a pension and regular checkups keep us on budget and head off any problems — best decision i ever made (financial or otherwise) was serving our country doing search - and - rescue, oil and chemical spill remediation, etc. (you can guess the branch of service)-- along the way, frugal living, along with dollar - cost averaging, asset allocation, and diversification allowed us to retire early — Vanguard has been very good over the years, despite the Dot Bomb, 2002, and the recession (where we actually came out better with a modest but bargain retirement home purchase)... it's not easy building additional «legs» on a retirement platform, but now that we're here, cash, real estate, investments and insurance products, along with a small pension all help to avoid any real dependence on social security (we won't even need it at full retirement age)-- however, like nearly everybody, we're headed for Medicare in several years, albeit with a nice supplemental and pharmacy benefits — but our main concern is staying fit, active, and healthy!

But you've also talked about the need to stabilize financial markets, even «leaning» against asset price bubbles.

Equities are essentially 50 - year duration investments at current valuations, and even if investors are passive and don't hold any view about future market returns at all, one of the basic principles of financial planning is to align the duration of ones assets with the expected horizon over which the funds are expected to be spent.

Financial industry norms and academic theories — even popular beliefs — have always assumed assets saved for retirement would be systematically withdrawn — following the «4 % rule» or some other rule of thumb or system — by retirees in order to maintain a consistent standard of living.

Since the fundamental value of an asset in a financial market is an aggregation of the stochastic stream of future dividends, trading at prices higher than the fundamental value is only profitable when there is a widespread belief that other traders will continue to buy at prices even further away from fundamental values.

Financial analysts are beginning to speculate that soon cryptocurrencies will meet or even overtake gold as the most valuable investable asset.

Analyzing the tax implications of asset allocation shouldn't be the byproduct of new legislation from Washington, D.C., even though that's the case in late 2017, said Michael Shea, a financial advisor at Applied Capital in Nashville.

There are other considerations, naturally; if the company is not on solid financial ground (i.e. it has far more liabilities than assets) the purchase may be a bad one even though they are producing revenue.

Even if you incorporate, most financial institutions will still require a new business to pledge business or personal assets as collateral for your business loans.

Blackstone says it spent $ 62.5 billion on properties after the Financial Crisis, and has $ 101 billion in total real estate assets under management — bigger than even their private equity asset pool.

Moreover, it is now doubtful whether the efficient market hypothesis makes any kind of sense. Indeed, a great many economists and bankers have discovered Minskyâ $ ™ s views on financial fragility and his financial instability hypothesis, according to which banks and financial markets can not be left to themselves: we need regulations even though regulating markets may not succeed in avoiding another crisis once the memory of the current crisis has faded away.As told to me by a law student recently hired by Blackrock, the largest asset manager in the world, with assets totalling more than 3,500 billion dollars â $ «thatâ $ ™ s one and a half times larger than UBS and twice as large as PIMCO â $ «many asset managers are now turning away from hiring neoclassical economists and actually prefer hiring engineers, sociologists and even philosophers.

In addition to «flat - fee - only» and «fee - offset» models, the SunAmerica Advisory Opinion provides that asset allocation services offered to participants (involving advice and even discretionary management) that are the product of a computer model developed and overseen by an independent financial expert, and subject to certain additional conditions, would allow a service provider (the broker - dealer, in this case) to avoid PTs when receiving variable / indirect compensation from its platform of investment offerings.

In many cases the borrower even prefers to stay with the asset - based lender at the end of the contract because the financial strength of their company is increased and the disciplined reporting allows for a more fluent business model.

Whereas the previous Fed Chairs might have been more inclined to worry about rocketing financial asset prices and increase the pace of tightening in this environment, Powell will maintain status quo even in this scenario.

It's therefore unlikely that the new regulations in China allowing for the purchase of foreign financial assets will drive prices higher, even if all $ 70 billion of the recently raised assets find their way into gold ETFs, such as the oldest and biggest of them all, the SPDR Gold Shares (NYSEArca: GLD).

«Even when investors choose not to include their financial advisor in plans regarding asset transfer and eventual wealth distribution, there are ways advisors can assist investors with their financial futures,» said Spectrem president George H. Walper Jr. «Almost every decision an investor makes and an advisor considers has some ramifications on the investor's future.»

For financial service providers, these trials are even more critical, especially when bridging the gap between traditional finance, blockchain, and digital assets.

Treasury chief executive Mike Clarke told The Australian Financial Review that with large assets in California it was in a stronger position than other global rivals even if there were changes in tariffs and other measures that might make it more difficult for exporters selling into the American market.

Barca's current financial situations permits them to sign only after they sell valuable assets which not going to happen by signing 30 million full - back even though they are already on high debt basis.

'' [Parents] will remortgage their houses, they will go to their own parents for financial support, they will forego holidays, they will sell assets, they will even downsize houses,» Mr Seldon said.

Hiring an apprentice can help your customers to trust you, they can be a financial asset to your business, and they might just make your industry that little bit better — without you even realising it.

Additionally, even though Google's total assets are roughly 131 billion USDs [page 43], if one were to look at the «rest» of Google's assets (i.e. excluding its cash, cash equivalents and marketable securities), one might speculate how much of them could be realized in the event of a serious financial collapse.

Unfortunately, in a world in which cash pays next to nothing and even riskier assets, like stocks and bonds, have a lower long - term expected return than they once did (according to a BlackRock analysis using Bloomberg data), holding a sizeable portion of one's retirement savings in cash could prevent many from reaching their financial goals.

Your financial assets include the cash in your checking and savings accounts, certificates of deposit, life insurance cash value, retirement accounts, the value of your home and real estate investments, stocks, bonds, mutual funds, treasury bills, silver and gold bullion, and even personal property such as cars, jewelry, art, and collectibles.

They will» sell» their service to you as a solution to help get out of debt whereas the reality of the situation when dealing with such lending institutions is the fact that you are more likely to get into even more financial strife and lose the assets that have been put up as collateral for the loan and possibly force you into bankruptcy.

First, let me say, even though you are more than able to come up with your own agreement, I would always recommend the advice of a Certified Divorce Financial Analyst if there are financial assets to beFinancial Analyst if there are financial assets to befinancial assets to be divided.

So, even though OneMain Financial has few eligibility requirements, you may be required to put your vehicle or another asset up for collateral to secure the loan.

But as even he has discovered, many of these investors may still need some help or guidance in choosing ETFs, settling on an appropriate asset allocation, rebalancing or even with financial issues that go well beyond managing investment portfolios — more holistic challenges like tax - efficient withdrawal strategies, insurance and estate planning, debt management and the like.

Based on their spending plan, even if the Jeffersons only get a 4 % net annual rate of return from their portfolio, their financial assets will last until Jade turns 85.

The way that assets are financed does make a difference when there is financial stress, and even more in insolvency.

A survey issued mid-July by BlackRock Canada's iShares of 551 Canadians with at least $ 100,000 in financial assets found market fears are indeed driving investors to cash even though most still expect poor returns.

It's the exact same problem that hourly financial planners face versus asset managers: people refuse to pay up front, even if they pay 10x on the back end.

While many people enjoy fine wine for it's taste, texture, and even aroma, The Globe Investor has revealed that connoisseurs may have another reason to appreciate the beverage — its marketplace performance has outshined a number of other financial assets.

Today, New York Life holds more than $ 425 billion in assets under management — and it has set many financial records throughout the past several years — even given the state of the volatile stock market and unsettled economy.

Mattu: There are two key components of assets in every participant's portfolio: 1) financial assets (both inside and outside the DC plan) and, even more importantly, 2) the value of human capital in excess of consumption — i.e., the present value of future savings over the participant's working career.

Subscriptions to both (even assuming a lifetime membership to AAII) are a much better deal than shelling out 0.8 % to 1.6 % of assets under management to a financial advisor (most of whom underperform the market).

Dave @ Excess Return from Excess Return presents Finding a Dependable Financial Advisor, and says, «Even the savviest of investment managers can not singularly select and track stocks in different asset classes, and have experienced teams helping them with data collection and analysis.

This is a truly frightening scenario that implies years or even decades of puny returns in virtually all financial assets.

FAFSA ignores prenuptial agreements, so even if a custodial parent and step - parent have agreed that the stepparent will not be responsible for the custodial parent's child's college bills, the stepparent's income and assets will still be factored into the student's financial aid award.

Today, even people who have substantial financial assets often carry significant debt.

Finally, it can pay off to work with a human financial advisor, even if it's just a one - time meeting to get your goals and asset allocation in line.

Financial and estate planning might not be exciting — and it could even be a bit frightening — but hiring an attorney to get your affairs in order will help reduce the stress and uncertainty over what happens to your assets in case you are incapacitated or pass on.

In a financial sense, investing means that an individual commits money to a financial asset, or security, such as a stock or bond, in hopes of receiving even more money later.