Not exact matches
Other than looking for a new CEO — the company announced on Monday its top executive Michael Pearson was stepping down — the troubled pharmaceutical company's most pressing problem is its
debt,
of which it has $ 30 billion.
A 2012 study
of debt - payoff strategies from Northwestern University's Kellogg School
of Management found that consumers paying off small balances first were more likely to have eliminated their entire
debt than those focusing on
other strategies.
RIM, on the
other hand, has no
debt, and sits on more
than $ 2 billion
of cash.
Hilary Stout illustrated this problem in The New York Times in June: «After all, the millennial generation has less wealth and more
debt than other generations did at the same age, thanks to student loans and the lingering effects
of the deep recession,» she wrote.
A FICO score is comprised
of five major factors, although some are weighted more heavily
than others, such as payment history and
debt owed.
Examination
of data from the Federal Reserve's Survey
of Consumer Finances — the central bank's effort to examine the financial conditions
of American families — by two Northeastern University scholars shows that households with more student
debt are less likely to start businesses
than other households.
«The tax shield alone that the ESOP provides enables an ESOP to give a small business more
debt, more senior credit,
than they could get with
other access to capital,» explains Mary Josephs, senior vice president
of the Leveraged Finance Department at Chicago's LaSalle Bank Corp., an ESOP lender.
Carney was quick and decisive in slashing rates during the crisis, more so
than other central bankers, but the sustained period
of low rates has led to a record amount
of household
debt and
other problems.
Rather
than duplicating it himself by opening and operating a second location, then a third, then a fourth, probably incurring substantial
debt in doing so, he instead has
other independent operators invest their money in replicate outlets and takes a royalty, typically 5 percent to 7 percent
of the gross revenues
of every such location.
debt obligations
of the U.S. government that are issued at various intervals and with various maturities; revenue from these bonds is used to raise capital and / or refund outstanding
debt; since Treasury securities are backed by the full faith and credit
of the U.S. government, they are generally considered to be free from credit risk and thus typically carry lower yields
than other securities; the interest paid by Treasuries is exempt from state and local tax, but is subject to federal taxes and may be subject to the federal Alternative Minimum Tax (AMT); U.S. Treasury securities include Treasury bills, Treasury notes, Treasury bonds, zero - coupon bonds, Treasury Inflation Protected Securities (TIPS), and Treasury Auctions
China certainly has a high absolute level
of debt, with levels much higher
than those seen in
other emerging market (EM) countries who experienced
debt crises, according to Bloomberg data.
He was also forced to clean up
other messes, including bad bets on U.S. subprime mortgages and structured
debt that cost the bank more
than $ 10.7 billion in writedowns from 2007 to 2009, the most
of any Canadian lender during the financial crisis.
With lower external
debt than other regions, Asian economies have been less vulnerable to a strengthening U.S. dollar, which remains one
of the main risks to our outlook for emerging markets.
He also concludes that «raising its (the government's) deficit target back up to 1 per cent (from zero) makes more sense when there are
other short - term - pain - for - long - term - gain initiatives that are needed to address more pressing objectives
than lowering a
debt ratio that is already the envy
of the world.»
In the Fall Update, the government will not only be able to show the elimination
of the deficit (something no
other G - 7 country has achieved) one year earlier
than targeted, but also to show a declining
debt ratio, rapidly approaching the government's target
of 25 per cent, the lowest since the 1960s
This may involve using privatization proceeds to pay down
debt, higher corporate taxes, and even higher income taxes if
other forms
of wealth transfer are robust enough to support them, but one way or another total government
debt must be reduced, or at least its growth must be contained to les
than real GDP growth.
But closing down unnecessary capacity can pay for itself, even if unemployed workers are temporarily put on the government payroll (causing
debt to rise, but usually by less
than it had before), but only temporarily as Beijing takes
other measures to boost household income through wealth transfers from the state and so to boost consumption, a form
of demand which is likely to be more labor intensive
than the demand created in the process
of over-capacity.
Now that I am
debt free,
other than my mortgage, I am starting to put a lot more
of my monthly income into investments.
On the
other side, hispanic / latino women graduated with the least amount
of debt; they have $ 564 less to pay off
than white women.
The Pennsylvania legislature recently passed a bill that will ensure borrowers are up - to - date on their student loan
debt.The average Pennsylvania college student graduates with $ 35,000 in student loans, which is higher
than any
other state in the U.S. And within three years
of graduation, 10 percent
of Pennsylvania student loan borrowers default on their
debt.In order to combat this problem, the Pennsylvania House
of Representatives recently passed a bill that would ensure students stay informed about how much
debt they are accumulating.HB 2124 would require all colleges and universities to provide annual notices to students about their outstanding student...
If the authorities are willing to engage in loss - making activities to achieve the GDP growth target, there are two relevant characteristics
of an economy like China's that change the nature
of the GDP measure: first, economic activity is much less affected by hard - budget constraints
than it is in most
other economies; and second, bad
debt is much less likely to be written down.
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?
Of course
debt growing faster
than debt - servicing capacity is unsustainable, so we will set as our first financial sector target the point at which the two grow in line with each
other.
-- 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?
Third and finally, the traditional story misses the real function
of private banks, which is to solve an information problem in the purest Hayekian senses. That is, banks are or should be specialists in risk assessment and risk taking. They should know their client, understand the local market and have their pulse on the broad economy. Arguably, if properly structured, they can and should do this better
than other entities such as governments. In
other words, the proper role
of banks should be underwriting — lend money, hold the
debt, and bear the risk. Which is a long - winded way
of getting to the main point
of this post.
This is the next great challenge for Beijing, and when the regulators finally do start to repair overextended balance sheet, with a much higher
debt - to - GDP ratio
than any
other country at China's stage
of economic development, according to a presentation Monday night by my very smart former student, Chen Long, I expect annual GDP growth rates will continue dropping steadily, by 1 - 2 percentage points a year through the rest
of this decade (and there has been increasing talk in the past month or two that GDP growth rates are already 1 - 2 points below the printed rates).
Debt held by the public: The portion of the national debt held by entities other than the federal governm
Debt held by the public: The portion
of the national
debt held by entities other than the federal governm
debt held by entities
other than the federal government.
As you can see, Japan is one
of the top holders
of gold, but at 400 percent, its
debt - to - GDP ratio is higher
than any
other country's in the world.
There are
other forms
of debt - financing with less - friendly terms
than the SBA loan — but again, those come with their own requirements (not to mention the burden
of starting your business under a pile
of debt).
With
debt already higher as a share
of Gross Domestic Product (GDP)
than at any time
other than the aftermath
of World War II, this new
debt is likely to slow economic growth and hasten the country's fiscal deterioration.
Coincident with this, the Federal Reserve has accumulated nearly $ 1.5 trillion
of Fannie Mae and Freddie Mac securities (MBS and agency
debt), which is has no plan to liquidate
other than lip service.
For instance, conventional loans — typically a conventional loan from a bank or
other mortgage lender — will require no more
than 26 % to 28 %
of month gross income for housing costs and not more
than 33 % to 36 %
of monthly housing plus
debt costs.
On the
other hand, bad
debt is typically incurred to purchase things that arise out
of want, rather
than need.
Other economists don't agree that you need $ 350,000 to be considered rich, however an amount
of money that exceeds $ 200,000 per year is enough for a family to lead a more
than comfortable lifestyle; this means having the chance to live in a big house, send the kids to private schools, have enough money to travel internationally, own at least 2 cars, and have no
debt except a mortgage which will help them build equity.
The YC documents are probably fine in situations where the investor (i) wishes to purchase equity rather
than convertible
debt, (ii) is otherwise somewhat indifferent on terms
other than percentage ownership
of the company, liquidation preference and right
of first offer in future financings, (iii) is investing at a fairly low valuation (i.e. a couple
of million dollars), and (iv) is only investing a small amount (i.e. a couple hundred thousand dollars or less).
Typically, less
than 43 percent
of your income should go toward your proposed house payment plus all
other debts.
In addition to advising Verizon Communications in the biggest acquisition
of 2013, J.P. Morgan raised $ 6.4 billion in 21 equity deals and $ 23.1 billion in 77
debt deals for telecom companies, more funding
than any
other bank, according to Dealogic.
These notes are not guaranteed by and are not
debts or obligations
of the United States or any federal agency or instrumentality
other than the sponsoring enterprise.
Barclays advised its clients on three M&A deals with a total value
of $ 2.5 billion, a higher value
than any
other bank in Israel, and led the country's
debt market by raising $ 1.4 billion in three bond deals.
We, on the
other hand, view it with hope: because more
than anything, the events
of the past few days show that the truth is getting out — the truth that capital markets simply can not exist under the authoritarian rule
of central planners, the truth that the stock market is a casino in which the best one can hope for a quick flip, and finally the truth that our entire socio - economic regime, whose existence has been predicated by borrowing from the uncreated wealth
of the future, and where accumulated
debt could be wiped out at the flip
of a switch if things go wrong in the process obliterating the welfare
of billions (
of less
than 1 % ers), is one big lie.
These are simpler and cheaper
than other forms
of financing, but they are
debt so can be risky;
Reflecting its unparalleled access to the
debt capital markets
of the four Nordic nations, Nordea Markets raised $ 18.7 billion in 221 bond deals in 2013 — more deals
than any
other bank — in addition to numerous refinancings and restructurings.
I believe Quebec has a much lower level
of student
debt than other provinces as a result
of its low fees.
Calumet Specialty Products Partners is interesting in that some
of its assets have promise, but are burdened by
other cash - burning segments
of its business and the massive
debt that costs it more
than double its operating cash flows:
The reason why most early financial contracts with traders and
other entrepreneurs took the form
of debt rather
than equity was asymmetric information: The creditor could not easily discover exactly how profitable the debtor's business was.
The unit, the chief investment office (CIO), has been the biggest buyer
of European mortgage - backed bonds and
other complex
debt securities such as collateralized loan obligations in all markets for more
than three years... The unit made a deliberate move out
of safer assets such as US Treasuries in 2009 in an effort to increase returns and diversify investments.»
On April 12, Gannett, publisher
of USA Today and more
than 100
other newspapers, made an offer to buy Tribune Publishing for $ 12.25 per share, an all - cash deal valued at $ 815 million, including the assumption
of $ 390 million in
debt.
Alaska residents pay more for goods and services
than residents
of many
other states pay, and so it's no surprise that residents
of the state has accumulated some
debt over the years.
Debt consolidation.If you're struggling with credit card debt, borrowing against your equity can be extremely attractive because of the low interest rates — much lower than any you'll find on a credit card — using a HELOC to pay off other debts will give you an easy single payment at low interest ra
Debt consolidation.If you're struggling with credit card
debt, borrowing against your equity can be extremely attractive because of the low interest rates — much lower than any you'll find on a credit card — using a HELOC to pay off other debts will give you an easy single payment at low interest ra
debt, borrowing against your equity can be extremely attractive because
of the low interest rates — much lower
than any you'll find on a credit card — using a HELOC to pay off
other debts will give you an easy single payment at low interest rates.
You may want to consider
other options if you owe more
than your annual income in the form
of «bad»
debt (e.g., high - interest credit cards or payday loans), you simply can not make minimum payments on time, or a
debt management plan can't reduce your monthly
debt payment to a manageable amount.