Sentences with phrase «value backing the debt»

Credit card debt is considered unsecured debt, because there is nothing of value backing the debt, only the borrower's credit history.

Not exact matches

In many situations, the factor will insist on «recourse» — the right to sell the invoice back to you at face value if the debt goes unpaid beyond, say, 90 days.

Buffett, on his part, has disdained private equity's method of investing, which often adds value to a company by piling on debt, and slashing expenses before turning it back on the market.

Back in 2010 it paid $ 550 million to settle charges brought by the Securities and Exchange Commission that it mislead investors into buying a so - called synthetic collateralized debt obligation named Abacus, which was made up of a bundle of financial instruments tied to subprime mortgage bonds, many of which plummeted in value shortly after the deal was sold.

Taking a step back, objectively analyzing the situation, and using debt when necessary can help your business grow, expand, and continue providing value to the marketplace.

In many cases, the liquidation value of the assets themselves aren't sufficient to pay back the debt.

The Barclays U.S. Aggregate Bond Index is a market value — weighted index of investment - grade fixed - rate debt issues, including government, corporate, asset - backed, and mortgage - backed securities, with maturities of one year or more.

2008 global financial crisis, world HNW and MC's, flooded back into US, driving USD strength, flatlined global economy, decelrating trade, collapse of commodity values, reduction in opportunity horizon of Manufacturing and Productive EM, along with debt dynamics in China accelerating (Money Printing, Asset Bloat) and staid developed world horizons and Equity bloat in US.

If you are a sponsor - backed enterprise software or technology - enabled company, we may be able to offer you senior debt based on the intrinsic value of established recurring revenue streams.

CDR --- your projection for your end result is probably correct.The wealth of switzerland will be the value of its international portfolio.If it is so easy why doesn't everyone do this.It is similar to the perpetual money machine of the U.S. Fed — they build a massive balance sheet of U.S. treasury debt and then clip the coupons and pass the «earnings» back to the Treasury filling the gap of an ever expanding deficit.Following the Swiss model the Treasury should just issue more debt and sell it to the FED and collect the annual interest income — simple

If your firm backs an enterprise software or technology - enabled company, we may be able to offer senior debt based on the intrinsic value of established recurring revenue streams.

The botanists will pay up to half of the value of the debt in dollars, and in return they will get the full value of the debt paid back to them in soft local currency, doubling the money available for botanical research in Madagascar.

In addition, if the bank cancels your debt, meaning you no longer need to pay it back, then any amount in excess of the fair market value of the house is part of your ordinary taxable income.

Originally part of the Career Education Corporation chain of colleges, the Sanford - Brown Institute ended its activities back in 2015, leaving nearly 30,000 students with student debt and no diploma to show for (or at least a diploma of value).

Your family distributes any of your assets during probate - If your family gave out antiques, family heirlooms or any other items of value before your debts have been settled, creditors can try to get them added back to your estate.

Those who aren't careful may also end up paying more than market value once all repairs are done and debts are paid back.

Different lenders offer different qualification standards (credit score, debt - to - income, loan - to - value) for the most popular government - backed loan programs (Conforming 30 - year fixed and 15 - year fixed, FHA, USDA, and VA).

Val Petrov, PhD, CFA, As a portfolio manager on the Mortgage - Backed Securities team, Val concentrates on development and implementation of relative value models across yield curves (Agency Debt, Treasuries, Swaps) and Mortgage - Backed Securities (MBS) products.

A death put is an optional redemption feature on a debt instrument allowing the beneficiary of the estate of a deceased bondholder to put (sell) the bond back to the issuer at face value in the event of the bondholder's death or legal incapacitation.

a feature of certain debt instruments that allow for the estate of a deceased investor to «put back» or redeem that instrument without penalty; bonds that carry a survivor's option usually redeem for par value when the survivor's option is exercised; in either case the benefit of the survivor's option can not be realized unless the original investor in the asset has died; because investor mortality risk must be taken into account when underwriting assets that carry a survivor's option, these assets are more complex and expensive to issue; also known as a «death put»

June, 2012: Another round of rule changes introduced a stress test reducing the maximum amortization period down to 25 years for high - ratio insured mortgages; a maximum debt load of 44 per cent of income on all mortgages regardless of loan to value; a new maximum loan to value of 80 per cent for refinances; limiting government - backed insured high - ratio mortgages to homes valued at less than $ 1 - million and and creating a maximum 65 % loan to value on lines of credit unless combined with a mortgage component.

Mortgage - backed investments, unlike traditional debt investments, are also subject to prepayment risk, which means that they may increase in value less than other bonds when interest rates decline and decline in value more than other bonds when interest rates rise.

If you've cosigned a mortgage with your child, the home itself has value, and selling it or even giving it back to the bank could eliminate the debt.

Before last summer, lenders were eager, so many public companies dutifully issued debt and bought back stock, increasing firm value by increasing debt / equity ratio, as in the academic model.

Most likely, they are concerned about the value of the corporate debt and asset backed securities which makes up virtually the entire ball of wax.

Exchange - traded Treasury Bonds are debt securities with a fixed face value (the amount you will get back at maturity).

Declining home prices and rising mortgage delinquency rates depleted the value of mortgage - backed securities and collateralized debt obligations.

Consumers with credit cards, and companies with revolving credit lines, value the option to pay back their debt at any time.

A secured debt is backed by collateral, or something of real value.

A mortgage is a secured debt because the loan is backed by the value of the house itself.

To bring this back to my usual 15 % limit, we'd need to see a debt haircut of about 75 M — we'll add this as a negative debt adjustment to my P / S multiple, so my fair value's now:

Part of the value of credit counseling is that it helps teach you better financial habits so that you can solve your debt problem now, and hopefully prevent yourself from getting back into debt again in the future.

It's important to understand your spending habits, as well as your debt payment habits, if you're to get as much value as possible out of your cash - back card.

The subprime mortgage fallout continued to affect the banking industry as it became difficult to value debt instruments backed by mortgages and caused a temporary credit freeze in some markets during the late summer.

When you make extra payments on a specific debt, said Reardon, you are essentially getting back value equal to the interest rate on that debt.

Once all debts are paid, preferred shareholders are paid back for the value of their stock with any leftover funds.

During 2007, the value of the Company's credit derivative contracts were affected predominantly by changes in credit spreads of the underlying reference obligations» collateral and ratings downgrades of securities backing collateralized debt obligations.

Both SachsenLB and IKB operated companies called conduits that issued short - term paper and then reinvested the proceeds in higher - yield, longer - term debt — such as the residential mortgage - backed securities that have declined in value as poorer Americans default on risky mortgages.

Proceeds are expected to be applied to all or a combination of: a) paying down debt, b) developing Reading's sizable (but much smaller than Burwood) remaining approved projects like Moonee Ponds (Melbourne), Auburn phase II (Sydney) or Newmarket Centre phase II, and - if there is no market value response - c) buying back stock.

Our government debt now pays substantially higher interest rates than other major economies, and it's likely attracting inflows of cash which could push our currency back up in value.

The biggest problem (besides feeding an already unfettered since of entitlement among most people) with all of this is that all of this debt is backed by depreciating assets (cars, furniture, electronics, etc) or things that no longer have any value (such as meals, old clothing, vacations, and a worthless degree in a subject you'll never use)!

Couple this with wind project financing which depends on debt amortisation & back - ended returns for the ultimate equity owners, and it means we can't rely on current return on equity (or P&L / cash flow run - rates) to accurately determine fair value.

INFS is trading at a big discount to its liquidation value, it has heaps of cash on hand and no debt, all of which makes it a prime candidate to undertake a big buy - back.

Earlier, in order to meet federally mandated goals to increase homeownership, Fannie Mae and Freddie Mac had issued debt to fund purchases of subprime mortgage - backed securities, which later fell in value.

Use your loans to pay down debt and pay your loan back with interest to supercharge your policy's cash value.

Note — back when I had other debt like car and student loans, they still went in the section with the home value.

The true value of a cash - back credit card is limited to the costs of carrying it, including interest charges when carrying debt.

• Provides money to assure business continuation or dissolution at a fair market value • Provides revenue to pay back debt and satisfy creditors • Assures heirs receive cash for the fair share of the business

RealBench calculates the following real estate financial indicators for you: 70 Percent Rule, Back - End Ratio, Break - Even Ratio, Capitalization Rate, Cost of Debt, Credit Score Threshold, Debt - Coverage Ratio, Front - End Ratio, Gross Rent Multiplier, Internal Rate of Return, Loan - To - Value Ratio, Market Value Percent, Price Per Size, Price - To - Rent Ratio, Profitability Index, ROI.