Real estate most likely represents
your largest assets and debts.
Not exact matches
SecondMarket is the
largest centralized marketplace
and auction platform for illiquid
assets, such as
asset - backed securities, auction - rate securities, bankruptcy claims, collateralized
debt obligations, limited partnership interests, private company stock, residential
and commercial mortgage - backed securities, restricted securities
and block trades in public companies,
and whole loans.
The company, one of the
largest metallurgical coal producers in the U.S., had nearly as much in
debt as it had
assets and, thanks to plummeting prices, its balance sheet was simply under too much pressure.
During this period, the Federal Reserve tried to support employment by cutting its federal funds rate target nearly to zero; by creating a number of special liquidity facilities to support the extension of credit;
and by engaging in a
large scale
asset purchase program, buying Treasuries, agency
debt and agency mortgage - backed securities.
10 It is, therefore, not surprising that the recent Fed statements had a
larger impact on
assets in EMDEs with higher
debt and deficits
and that are perceived to be more dependent on external financing (Charts 5, 6).
Funding its ballooning deficit, which can't be plugged with
asset sales
and debt issuance alone,
and improving its economic situation are partly why Saudi Arabia, the
largest producer in the OPEC oil cartel, disagreed to any cut in production at the December OPEC meeting,
and more recently has been discounting the price of oil to its customers.
The Carlyle Group («Carlyle») is one of the world's
largest global alternative
asset management firms that originates, structures
and acts as lead equity investor in management - led buyouts, strategic minority equity investments, equity private placements, consolidations
and buildups, growth capital financings, real estate opportunities, bank loans, high - yield
debt, distressed
assets, mezzanine
debt and other investment opportunities.
But of course, the rich consume in different ways — while a
large swath of the population is pauperized
and is stripped of its
assets as well as future earnings after taxes
and debt service are extracted from their paychecks.
In July, Calpine's
larger rival NRG Energy (NRG.N) had laid out plans to raise about $ 4 billion through
asset sales
and slash
debt by $ 13 billion over the next six years.
In an effort to restart the securitization market, on November 25, the Fed announced the Term
Asset Backed Securities Loan Facility (TALF).14 In December, the FOMC announced that it would begin to significantly expand its balance sheet through purchases of long - term
assets including agency
debt, agency mortgage - backed securities
and long - term treasuries — the
Large Scale
Asset Purchase or LSAP program.
Behind Germany
and ahead of some of the oil producers, it runs the
largest current account surplus in the world, which means that it is exporting its excess savings in a world that has nowhere to put the money,
and so the world must respond either with speculative
asset bubbles, unproductive investment,
debt - fueled consumption binges or unemployment.
Walid Cherif, Senior Managing Director
and head of the private
debt business at Gulf Capital, one of the
largest and most active alternative
asset managers in the Middle East, added: «This investment highlights the robust market conditions for flexible capital in the MENA region.
Real estate also remains by far the economy's
largest asset — so
large that it absorbs about 80 percent of bank credit in many countries, with such credit thereby raising housing
and other real estate prices, adding to the economy's
debt overhead.
That statement would clearly be more reassuring to Americans had not the
largest bank in the U.S. in 2008, Citigroup, blown itself up while lying to the public
and its shareholders about its exposure to subprime
debt and holding more than $ 1 trillion in
assets off its balance sheet.
And inasmuch as creditors insist on protecting themselves from inevitable default by possessing collateral, it is natural that most of the economy's debts are owed on its largest asset: land and buildin
And inasmuch as creditors insist on protecting themselves from inevitable default by possessing collateral, it is natural that most of the economy's
debts are owed on its
largest asset: land
and buildin
and buildings.
Since your
debts are transferred to your estate when you pass away, if your liquid
assets (such as checking
and savings accounts) are
large enough to cover them, no
debts will be passed on to your spouse or heirs.
When borrowing is cheap, firms will take on more
debt to invest in hiring
and expansion; consumers will make
larger, long - term purchases with cheap credit;
and savers will have more incentive to invest their money in stocks or other
assets, rather than earn very little —
and perhaps lose money in real terms — through savings accounts.
The Board's concerns include that «
large holders of Puerto Rico
debt will seek to raise their stakes
and collateralize their
debt with the island's public infrastructure: roads, bridges, sewers, water systems,
and other public
assets.»
- Administering the New York State
and Local Retirement System for public employees, with more than one million members, retirees
and beneficiaries
and more than 3,000 employers; - Acting as sole trustee of the $ 129 billion Common Retirement Fund, one of the
largest institutional investors in the world; - Maintaining the State's accounting system
and administering the State's $ 12.6 billion payroll; - Issuing reports on State finances; - Managing the State's
assets and issuing
debt; - Reviewing State contracts
and payments before they are issued; - Conducting audits of State agencies
and public benefit corporations; - Overseeing the fiscal affairs of local governments, including New York City; - Overseeing the Justice Court Fund
and the Oil Spill Fund Acting as custodian of more than $ 9 billion in abandoned property
and restoring unclaimed funds to their rightful owners;
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.
The question that I have at this point in the cycle is how low the Fed will get before they get scared about inflation,
and flatten out policy to see which effect is
larger — deflation from overvalued housing
assets purchased with
debt, or inflation of goods
and services prices.
Since your
debts are transferred to your estate when you pass away, if your liquid
assets (such as checking
and savings accounts) are
large enough to cover them, no
debts will be passed on to your spouse or heirs.
With the European countries still struggling to figure their way out of the
debt mess,
and even the well regarded bank like JP Morgan taking
large losses on their hedging activities, it is understandable that some investors may decide move their
assets to the relative safety of the bonds.
In a Chapter 7 case, the most common type of personal bankruptcy, the court doesn't allow an individual to keep their
assets, but most exemptions allowed under state
and federal law are
large enough to cover a secured
debt such as a house mortgage a car loan.
When you implicitly
and explicitly suggest that rates will remain lower for longer, people begin to count on risky
assets being safer than they are; similarly, the size of
debts can become so
large that those who trusted the policy makers lose the ability to service the
debt (let alone pay it back) when borrowing costs go up.
We can see this dynamic at play in the figure below, which looks at the correlation between the amount of money flowing into risky
assets (emerging markets, high yield
debt)
and the balance sheets of the four
largest central banks.
A
large percentage of the company's
assets are cash,
and the company has enough cash
and receivables to pay off all its
debt nearly twice!
Plus, it offers well - diversified portfolios that hold a variety of
assets, from
large - company stocks (U.S.
and foreign) to small - company stocks, U.S.
and foreign bonds, high - yield
debt,
and even gold.
And if your
debt is secured to your home or another
large asset, this method may not work for you.
Obviously this pattern lets you buy a
larger house, but it also puts you in more
debt,
and gives your fewer liquid
assets (payments on 200k are going to be more then on 100k).
We have lending products for high
debt - to - income, high - income but
large tax write - offs,
asset - rich income - poor situations,
and low credit scores.
However, in an effort to boost the yield of the MIP
and thereby garner more management fees for itself, Fidelity, before the period at issue in the lawsuit, engaged in an imprudent
and ultimately unsuccessful investment strategy by, among other things, causing
large amounts of the MIP's
assets to be held in various forms of securitized
debt.
We find, unsurprisingly, that at every level of education, non-indebted households are more likely to own homes, have slightly lower interest rates on mortgages,
and have retirement
and liquid
assets that are considerably
larger than those households weighed down by
debt.
Hudson (2006a) emphasized the same ambiguous potential of house price «wealth» already in the title of his Saving,
Asset - Price Inflation,
and Debt - Induced Deflation, where he identified the «large debt overhead — and the savings that form the balance - sheet counterpart to it» as the «anomaly of today's [US] economy&raq
Debt - Induced Deflation, where he identified the «
large debt overhead — and the savings that form the balance - sheet counterpart to it» as the «anomaly of today's [US] economy&raq
debt overhead —
and the savings that form the balance - sheet counterpart to it» as the «anomaly of today's [US] economy».
ULIPs typically provide you with a choice of funds like
large - cap equity, mid-cap equity,
debt, liquid
and asset allocation.
Insurance behemoth
and the
largest institutional investor in India, Life Insurance Corporation of India (LIC), has made a huge investment of Rs 26,335 crore in April - May this year in various
asset classes including
debt and equity....
In most cases, this is the
largest asset that must be divided,
and the mortgage is often the
largest debt to be divided.
Notwithstanding that
large debt and notwithstanding the ex wife's allegation that the man had «judgment - proofed his U.S.
assets», the appeal court strictly construed the federal legislation
and held the attachment to the statutory level of 50 %.
Or maybe he meant $ 100,000 in gross
assets notwithstanding the amount of
debt you have (which might be relevant for doctors, dentists, lawyers,
and other professionals that have
larger student loan
debts).
Traditional
debt providers such as
large banking institutions are limited in the capacity to refinance commercial
debt due to regulations requiring lower LTV ratios
and a continued aversion to the
asset class from the Great Recession.
Especially pertaining to the high net - worth world, the borrower's lifestyle,
assets, credit history
and income potential should follow a similar patterns of others who take on the liability of
large mortgage
debts.
Join us
and network with senior - level representatives from the real estate industry's
largest investors, private equity firms,
asset managers, hedge funds, investment banks, distressed
debt firms, lawyers, investment consultants, owners
and developers.
Investments included individual
assets,
large portfolios, buyouts,
and public
and private
debt and equity securities.
Join us
and network with the real estate industry's
largest investors, as well as senior - level representatives from private equity firms, real estate
asset managers, hedge funds, investment banks, distressed
debt firms, lawyers, investment consultants, owners
and developers.
As
large scale «trophy»
assets become more difficult to source
and as property prices continue to climb, foreign investors are increasingly looking to
debt markets as a means of fulfilling their U.S. real estate allocations.