"Big Farm" Is Not in Recession

Farm equity has increased by almost 50% since 2004, to a record $2.13 trillion, see top chart above (data here). And the debt to asset ratio for farms is at a five-year low of only 9.2% (down from 11.3% in 2004, see bottom chart), since farmers are carrying only $215 billion in debt on $2.13 trillion of farm [more...]

Date: 2009-01-13 02:59:00

Blog posts (184) | Videos (40)
 

Renting vs. Buying using a Mortgage Interest Calculator | ArticlesBase.com

You can use a mortgage calculator to figure out your borrowing power with the bank and they’ll tell you exactly what you can afford. The bank uses a formula that you might have heard of called your debt to income ratio. view source [more...]

Date: 2009-07-28 19:02:19

Loan Modifications Principal Reductions

How to calculate debt to income ratios or DTIRs for a loan mod I made this video to show you how to calculate DTIRs, which are the most important thing lenders pay attention to in determining [more...]

Date: 2009-01-07 13:27:51

A Test For Real Estate Investment Property Owners — Especially Those In San Diego

Read and take a few helpful notes from last night’s post on DCR — Debt Coverage Ratio. Figure out an honest Net Operating Income — Translation: 20% operating expenses never, ever leads [more...]

Date: 2009-01-14 04:17:31

King hints at need for ‘aggressive’ cuts

King hints at need for ‘aggressive’ cutsBy Alex Barker, Political CorrespondentPublished: November 26 2008 03:26 | Last updated: November 26 2008 03: ... to fiscal stability”.“The implied ratio of debt to national income only starts falling in 2015-16, which [more...]

Date: 2008-11-26 15:51:00

Best Refinance Mortgage Rates - Ways to Qualify for a Low Refi Rate

Obtaining a low rate is a top concern for many homeowners who choose to refinance their existing mortgage ... payments, judgments, and high debt to income ratio are damaging to your credit score [more...]

Date: 2009-01-15 04:45:36

Moody’s Investors Service: “Assigns foreign currency rating ‘B1 positive outlook’ to the Philippines”

A bit of good news overnight on Philippine bonds issued by the BSP, as Moody’s Investors Service, ... the Philippines’ key debt ratios on an improving trend. In addition, the country’s fortified external [more...]

Date: 2009-01-07 21:06:49

MICROCAPITAL STORY: Kenya Women Finance Trust (KWFT) Becomes First Kenyan MFI to Take Deposits

Kenya Women Finance Trust (KWFT) has achieved what it calls a “major milestone” as it became the first microfinance institution (MFI) ... . In addition, it has assets of USD 86.3 million, a debt to equity ratio of 337.16 percent and return [more...]

Date: 2009-01-13 08:31:27

Investing with Little Money

You don’t need to save a bunch of money in order to start investing, you can start today with small amounts ... of my 401k in 2002, though I had little savings and plenty of debt. I knew I wanted to put my money ... ratio of a fund is the percentage of assets devoted to managment. Management fees affect [more...]

Date: 2008-12-16 05:04:00

AWAKEN ! REVIVE ! STRENGTEN !

.fullpost{display:inline;}Indonesia On The MoveCarl Delfeld, 12.25 ... of ASEAN's population and one-third of its GDP. The nation's debt-to-GDP ratio has been declining [more...]

Date: 2009-01-13 07:02:00

ISRAEL-PALESTINE TEST-CRICKET MATCH; ABSTRACTIONS, POLITICS, AND SCIENCE IN THE SHADOWS ON THE STAIRCASE

If it were me managing the Israel squad leading 916-5 in my innings with no out and still on my opening pair, ... f/x, non-US sovereign and corporate debt, and commodities. Warrior states with huge DEBT/GDP ratios [more...]

Date: 2009-01-13 01:21:00

Reverse Mortgages can Benefit Elderly

As an independent, family company (my father founded Lger holidays in 1983) ... from Scottish widows swap ratio hill may induce patchy measure mortgages grow . IVAs and Debt Management ... in some simple details at our website(www. A change credit gives you notes based on the justness [more...]

Date: 2008-12-19 16:15:44

College Health Risk Indicators

by Daniel BennettColleges increasingly face calls for additional accountability, transparency and productivity measures ... percent. 3. Student default rate is more than 5 percent. 4. Debt service is more than 10 percent of annual operating budget. 5. The ratio between endowment and operating budget is less than 1-to-3 [more...]

Date: 2009-01-14 12:30:00

Why overhead ratios are meaningless for Kiva and Acumen Fund

Editor’s note: This post first appeared on Sasha’s personal blog ... , where I work - we raise philanthropic donations and then make debt and equity investments ... invested capital (loans and equity), unlike grants, don’t factor into ratio of “overhead costs [more...]

Date: 2009-01-13 12:00:59

Who to Count on for Infrastructure Spending?

About a month back, I reviewed conference calls from several of the major infrastructure companies to see what they were saying about demand ... process? A process of elimination and a cursory thought about what the country needs lends weight ... s debt maturities are far in the future and the two companies’ long-term leverage ratios are similar [more...]

Date: 2008-12-08 21:22:27

If you are unable to payoff…

…your credit card debt short-term, consider asking your creditor for an increase in credit. By decreasing the ratio of your balance to the credit limit will be taken to account in most credit scoring models. [more...]

Date: 2009-01-10 17:35:36

re: William Watson: Deflation isn’t the problem

Mr. Watson I'm not convinced you're right on this. For one thing, I'm not sure that an economy burdened by debt can prosper. The rewards need to favour the risk takers over lenders, otherwise nothing happens. Therefore, this ratio will likely sort itself out (in the form of inflation) whether intentional [more...]

Date: 2009-01-15 06:37:43

Rule of Thumb For Reasonable Housing Costs?

In an earlier post on motivating myself to work harder, I had thrown out a piece of “common” financial advice: ... from a mortgage calculator. The “other debt” is the sum of your other recurring monthly liabilities - car loans, credit card balances, student loan payments. There are usually two lender ratios [more...]

Date: 2008-09-10 13:58:59

Correcting Mistakes and Punishing Errors

It is a gray morning, here in London. We sit in the building with the golden balls, look out the window, and wonder… …how does it all work? We’re doing some serious thinking this week. What is it that actually causes a depression? A stock market collapse? Or too much debt? How come government can appear to cure the problem sometimes – 2001-2007 – but not other times? How come the Japanese were not able to increase consumer prices? Even now… Japan’s inflation rate is negative. [more...]

Date: 2009-09-28 18:02:03

We Expect No Recovery from the Economy

It is a gray morning here in London. We sit in the building with the golden balls, look out the window, and wonder... ..how does it all work? We're doing some serious thinking this week. What is it that actually causes a depression? A stock market collapse? Or too much debt? How come government can appear to cure the problem sometimes - 2001-2007 - but not other times? How come the Japanese were not able to increase consumer prices? Even now...Japan's inflation rate is negative. [more...]

Date: 2009-09-29 04:01:41

If Your Building is 100% Occupied, Your Rents Are Too Low!!!

Income properties are, to many, the ideal investment. Not only does one receive rental income on a monthly basis, but he also gets to enjoy capital appreciation—or at the very least, a solid hedge against inflation. With favorable tax treatment throughout and available 1031 tax deferred exchanges, one would be silly to not at least consider real estate investment. And so he does. Hypothetical investor Bob purchases his first income property: an 8-unit multi-family in sunny San Diego, California. [more...]

Date: 2009-09-28 19:17:48

What Causes a Depression?

It is a gray morning here in London. We sit in the building with the golden balls, look out the window, and wonder… …how does it all work? We’re doing some serious thinking this week. What is it that actually causes a depression? A stock market collapse? Or too much debt? How come government can appear to cure the problem sometimes – 2001-2007 – but not other times? How come the Japanese were not able to increase consumer prices? Even now…Japan’s inflation rate is negative. [more...]

Date: 2009-09-28 18:49:54

Public spending cuts will be very painful

The Prime Minister is, apparently, intending to introduce a “Fiscal Responsibility Act” to tackle Britain’s scandalously bad public sector finances. Well, I suppose, better late than never and I await the details with great interest. I also await the next Pre-Budget Report, which will include the Treasury’s latest economic forecasts and projections for the public finances. In particular, I shall be interested to see whether the Chancellor amends his target for “balancing the budget”. [more...]

Date: 2009-09-29 10:19:29

B L Kashyap and Sons

Investors with a long-term perspective can consider buying the stock of construction contractor, BL Kashyap & Sons (BLK), currently trading at Rs 427, at a multiple of 17.6 times its standalone trailing four-quarter earnings.Increasing signs of a revival in the real-estate segment and diversification into other business streams could augur well for the company’s revenue growth after a lacklustre performance in FY-09.The company’s sound track record of quality and timely construction in industrial, [more...]

Date: 2009-09-28 06:26:00

In The News Today

Dear Extended Family: Please watch the following video and keep these points in mind: 1. That it comes from CNBC. 2. That is was presented without the usual argumentation from interviewers. 3. That it errs only in saying gold is the enemy of all central banks which we know is incorrect for Asia and even the Germans who are now backing off selling. Better said, gold is the enemy of some central banks. 4. Its major reference is to the US dollar. 5. [more...]

Date: 2009-09-27 23:20:59

What Impacts the Price of a Stock? How Useful is Historical Data?

by Marv Doniger There are a myriad of factors that are commonly used by investors to evaluate potential stock investments. These investment opportunities are often identified through the use of the numerous stock screeners that are readily available to investors. Common searches seek to identify companies that have a low Price Earnings, Price to Book Value, or Price to Cash Flow Ratio; high Dividend Yields; high Returns on Assets, Invested Capital, or Earnings; low Debt to Equity; and high Cash balances. [more...]

Date: 2009-09-28 13:00:23

What Impacts the Price of a Stock? How Useful is Historical Data?

There are a myriad of factors that are commonly used by investors to evaluate potential stock investments. These investment opportunities are often identified through the use of the numerous stock screeners that are readily available to investors. Common searches seek to identify companies that have a low Price Earnings, Price to Book Value, or Price to Cash Flow Ratio; high Dividend Yields; high Returns on Assets, Invested Capital, or Earnings; low Debt to Equity; and high Cash balances. [more...]

Date: 2009-09-28 12:53:20

Words from the (investment) wise 9.27.09

Words from the (investment) wise for the week that was (September 21 – 27, 2009) After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 12:05:27

A bloody mess…

F or reading up on commercial real estate, Robert Knakal’s blog is one of my favorite sites.  His topics are of interest.  He has good commenters that are knowledgable about the commercial real estate business and his writing is accessible to the layperson.  His latest post is the perfect summary of the significant problem facing commercial real estate properties, a problem that will plague commercial real estate for years, as it is estimated that there will be in excess of $ 1 trillion [more...]

Date: 2009-09-29 19:18:07

Another Reason We Won't Have A V-Shaped Recovery: Jobs

In order for the U.S. economy to go roaring right back to the 3%-4% long-term growth the bulls are looking for, consumer spending will have to rebound.  Consumer spending is still 70%+ of the economy, and it's hard to get a supertanker cruising along at top speed if 70% of its power is removed. In order for consumer spending to come roaring back, however, one critical thing has to happen: Consumers have to be employed If consumers don't have jobs, they don't have much disposable income.  [more...]

Date: 2009-09-27 14:17:00

Restore Your FICO Score – Part Two

In our last post, we covered how to begin the process of restoring your FICO score, as well as how changes can affect this score. Now that you are ready to begin, there are a few steps that you will need to take. Many of these steps require diligence on your part and a little hard work. However, they can result not only in a higher FICO score, but also lower interest rates on loans, and a higher chance of getting approved for loans in the future. [more...]

Date: 2009-09-27 23:46:13

Ten Things I Will Teach My Children About Money

I do not currently have children, but I have not ruled out starting a family some day. If and when I do have children, I hope I will be able to help them become smart and capable adults over time. I believe this is what my parents have done for me, and I’d like to believe I’m in a position to pass on good attitudes about money. Here are a few concepts I’d like to teach these future children about money as they become old enough to understand them. [more...]

Date: 2009-09-28 11:30:55

Words from the (Investment) Wise (Sept. 27, 2009)

After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 14:33:29

AZZ Beats Expectations – Analyst Blog

AZZ Inc. ( AZZ ) reported fiscal 2010 second-quarter results on Friday. The company said GAAP net income fell marginally to $11.1 million from $11.3 million in the year-ago quarter. Earnings per share came in at 89 cents per share, beating the Zacks Consensus Estimate by 24 cents, or nearly 37%. AZZ is an electrical equipment and components manufacturer, serving global markets of power generation, transmission and distribution as well as general industrial markets. [more...]

Date: 2009-09-28 16:27:19

ScamBuste 286

NOTIFICATION OF PAYMENT VIA ATM CARD This is to officially inform you that we have verified your contract/inheritance file presently on my desk, and I found out that you have not fulfilling the obligations giving to you in respect to your contract payment. Secondly, you are hereby advised to stop dealing with some non-officials in the bank as this is an illegal act and will have to stop if you so wish to receive your payment immediately. [more...]

Date: 2009-09-29 08:54:51

War Made Easy_Brainwashing…Why a Global Economic Deluge Looms June 2006!!

  War Made Easy… http://www.warmadeeasythemovie.org/ War Made Easy  Reaches into the Orwellian memory hole to expose a 50-year pattern of government deception and media spin that has dragged the United States into one war after another from Vietnam to Iraq. Narrated by actor and activist Sean Penn, the film exhumes remarkable archival footage of official distortion and exaggeration from LBJ to George W. [more...]

Date: 2009-09-29 14:26:05

The Global Carry Trade and the Crimes of Patriots

This article was submitted by The Institutional Risk Analyst “In a government of laws, the existence of the government will be imperiled if it fails to observe the law scrupulously. Our government is the potent, the omnipotent teacher. For good or ill, it teaches the whole people by its example. If government becomes a lawbreaker it breeds contempt for law: it invites every man to become a law unto himself. [more...]

Date: 2009-09-28 15:37:24

Why Vodafone Is a Buy

Shiv Kapoor submits: I am looking at Vodafone ( VOD ) and I like what I see. Earnings have grown at an annualized rate of 21.8% while dividends have grown at 20.45% during the 1999 to 2009 period. Net debt divided by net debt plus equity is 29.75% which is within my 30% extra due care required threshold. Operating cash flow is strong and growth in estimated free cash flow (EPS + debt – capex) has been strong growing at over 17% annualized over the past decade. [more...]

Date: 2009-09-29 15:01:18

Words from the (investment) wise for the week that was (September 21 – 27, 2009)

After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 07:51:48

Words from the (investment) wise for the week that was (September 21 – 27, 2009)

After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 07:51:48

Wall Street Breakfast: Must-Know News

IndyMac's backdating scandal. The Treasury has launched a formal probe into the Office of Thrift Supervision after discovering a senior bank ... ;P reduced GM's unsecured debt to C and forecast a 'high' likelihood of bankruptcy. In the event ... , and for jeopardizing investors’ interests while collecting 'millions of dollars in fees.' Between [more...]

Date: 2008-12-23 12:16:14

What Your Credit Card Says about Your Personality Type

This is a guest post from Jack B . Jack is a personal finance blogger at MasterYourCard and DebtLoans.com.au where he writes about credit cards and debt consolidation. You may think that your vanity credit card with pictures of puppies or your alma mater’s mascot is what helps the cashier at the grocery store peg your personality, but in reality, the features and terms of your credit card are far more telling. [more...]

Date: 2009-09-28 10:30:48

Don?t Be Misled By Regional Information

Terms like uncertain, declining, tightening, slowing and recession have become an ever- growing part of conversation these days. Suddenly, debt has become an obsession. Some people think it’s all Bernie Madoff’s fault. Maybe ... , banks are stiffening lending practices and CMHC is tightening its high ratio program but the news [more...]

Date: 2009-01-14 16:44:39

Stock Analysis: Automatic Data Processing Inc. (ADP)

Linked here is a detailed quantitative analysis of Automatic Data Processing Inc. (ADP). Below are some highlights from the above linked analysis: Company Description: Automatic Data Processing Inc. is one of the world's largest independent computing services companies, provides a broad range of data processing services. Fair Value: I consider four calculations of fair value, see page 2 of the linked PDF for a detailed description: Avg. High Yield Price 20-Year DCF Price Avg. [more...]

Date: 2009-09-28 10:30:00

RPM International Inc. (RPM) Dividend Stock Analysis

This article originally appeared on The DIV-Net September 21, 2009. Linked here is a detailed quantitative analysis of RPM International Inc. (RPM). Below are some highlights from the above linked analysis: Company Description: RPM International Inc. makes specialty coatings and products for the structural waterproofing and corrosion control markets, as well as products for the consumer, do-it-yourself and hobby markets. [more...]

Date: 2009-09-28 10:30:15

Obama will lure poor African Americans to military

Have you seen this new military recruiting campaign where “skeptical” parents are convinced by their “mature beyond their years” teenage children that going off to serve in the American military (in behalf of Israel) is a really good idea ... in debt…but,  hey, what do you know….good old Uncle Sam can help you with college for free [more...]

Date: 2009-01-14 04:59:45

Credit Crisis - Signs of Progress

Are the various central bank liquidity facilities and capital injections having the desired effect of unclogging credit markets and restoring confidence in the world’s financial system? This is precisely what the “Credit Crisis Watch” is all about – a regular review of a number of measures in order to ascertain to what extent the thawing of [more...]

Date: 2008-12-26 12:00:33

Chain Of Fools

The Denver Post reports from Colorado. “Mike Kraft, a Realtor in Loveland, said first-time buyers have an edge in the current marketplace. The property they buy won’t have inflated equity, Kraft said, and many sellers are willing to help with closing costs. ‘It’s a buyer’s market. There’s a lot of inventory out there,’ he said [more...]

Date: 2009-01-04 18:13:27

Geothermal Stock Picks

Geothermal offers abundant energy with minimal environmental impact right beneath our feet. Geothermal systems use the Earth's stable ground temperature to heat in winter and cool in summer. In some locations, geothermal is used to produce electricity out of volcanic activity. As reported in Alternative Stocks, Geothermal, ( [more...]

Date: 2009-01-15 14:01:00

Orient Paper: Why Boring Stocks Beat Hot IPOs

To those investors who were lucky enough to have been allocated shares in the A123 Systems ( AONE ) IPO at $13.50, congratulations. For those who bought the stock over $20 in the aftermarket, my condolences. The stock peaked at almost $21 and is now trading at $18.76. Thanks to the many readers who sent in their comments on my A123 article. Many readers agree with my investment approach, and of course may others do not. [more...]

Date: 2009-09-29 15:08:21

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