Have yourselves a conservative Christmas!

A guest-post by Scott Stephens (originally written for an Australian newspaper)Conservative politics is now everywhere in retreat ... . In the United States, the ratio of private debt to income is 290%. In Australia, it is 165 [more...]

Date: 2008-12-01 23:47:00

Blog posts (131) | Videos (11)
 

Ask The Expert with Larry Swedroe, December 2008 Issue

This is the 11th issue of the Ask The Expert column by Larry Swedroe. You can see Larry’s full biography and important disclaimer below. If you are interested in having your question answered by Larry, please send me an email via the contact page. Now, let’s get to the questions and answers ( [more...]

Date: 2008-12-04 02:00:22

What You Need to Know About Residential Mortgage Services

What You Need to Know About Residential Mortgage Services Posted by Dark Spider at January 8, ... property. These usually include mortgages, home equity loans (also called second mortgages ... so that you have some equity in the house, a residential mortgage services company might be willing [more...]

Date: 2009-01-08 18:07:43

Lending Club Review: A Leading Peer To Peer Lending Network

Our review on Lending Club, a leading peer to peer lending and borrowing social network. Because of updated credit card regulations, fewer people are qualifying for traditional credit and loans. And now that the subprime loan industry has slowed down, people may be taking a second look at P2P lending [more...]

Date: 2009-01-02 21:58:53

No Income Verification Home Equity Second MortgageLoan

A no income verification home equity loan is a second mortgage loan that does not require you to provide income documentation to qualify for the ... figure for qualifying purposes. This may cause you to have a debt to income ratio problem ... loan. Home equity second mortgage is great for homeowners who need a home equity loan [more...]

Date: 2009-01-14 05:59:16

Time value of money

Time value of moneyThe concepts of present and future value hinge upon the premise that an investor prefers to receive a payment of a fixed amount of ... above. The solutions may be found using (in most cases) the formulas, a financial calculator [more...]

Date: 2009-01-10 05:33:30

Cheering Gold’s New One-Month Low

Good news everyone. Gold has reached a one-month low. In fact, February gold futures on Comex fell the most in six weeks ... . And under that scenario, the cost of paying off debts would rise massively as cash gained value. Old [more...]

Date: 2009-01-15 19:10:21

Articles for the second week of 2009

#fullpost{display:inline;}Some articles and information you may find useful... links at the top with comments further below...Summary of the current US government bond predicament (The Economist): Excellent article by The Economist's Buttonwood on the current situation in US government bonds [more...]

Date: 2009-01-11 01:11:00

Cafe this morning, Institutional Risk Analyst Chris Whalen lobs a hand grenade at the nomination of Tim Geithner to Treasury Secretary ... 2008, the bank’s Tier One leverage ratio was over 7.5%, more than two points over the minimum [more...]

Date: 2008-11-24 11:25:53

Levels of Mortgage Documentation, or, Why You Should Demand to Do More Paperwork

No matter which provider, no matter what type of loan you get, nobody is going to loan you money without the appropriate documentation. The more documentation you have that you are a good risk, the better the rate you are going to get, and the lower your costs are going to be [more...]

Date: 2008-11-24 16:12:50

MICROCAPITAL STORY: Malawian Microfinance Institutions Accused of Profiteering - Blue Financial Services and Izwe Lose Government Backing

The Malawian Civil Servants Trade Union (CSTU) has asked the government to rethink its recent decision to cease guaranteeing loans obtained from microfinance institutions (MFIs) or to increase loan facilities to its employers. The government made the decision in December 2008, [more...]

Date: 2009-01-12 14:56:31

Hospital Capital Structure

Understanding the Cost of CapitalBy Calvin W. Wiese; MBA, CPAStaff WritersIt is critical to understand and to measure the total cost of capital ... long-term debt and equity; total capital is the sum of these two. Each of these components has cost ... www.HealthcareFinancials.comCost of Equity Exceeds Long-Term Debt Almost always, the cost of equity [more...]

Date: 2009-01-14 00:18:00

Wolf Versus Pettis on US Stimulus, Fiscal Deficit (Not for the Fainthearted)

Martin Wolf has a very good comment in the Financial Times, "Why Obama’s plan is still inadequate and incomplete," ... 6) I argued that the debt-encumbered US private sector would now be forced to save .... The excess [more...]

Date: 2009-01-14 15:43:00

4 Things Smart Real Estate Investing Requires

4 Things Smart Real Estate Investing Requires January 12th, 2009 Articles that suggest ways to succeed at real estate investing commonly have something to sell. But this article has nothing to do with the get-rich-quick methods normally touted in real estate investing seminars [more...]

Date: 2009-01-12 15:28:26

SSTR Silverstar Holdings Ltd. Diversified Investments

SSTR setting up. Putting it on my watchlist Has insider buying SSTR: Insider Transactions for Silverstar Holdings Ltd - Yahoo! ... Short (as of 10-Dec-08)3: 2.04K Short Ratio (as of 10-Dec-08)3: 0 Short % of Float (as of 10-Dec-08 ... % Return on Equity (ttm): -203.36% Income Statement Revenue (ttm): 30.52M Revenue Per [more...]

Date: 2009-01-08 15:58:50

Investment Property Mortgage Loan Ratios

Congratulations on your decision to plunge into the investment business for property! ... more closely: The debt coverage ratio (DCR) The debt coverage ratio (DCR) describes the lender the amount of income is the production of goods when compared with the cost of the total debt [more...]

Date: 2009-01-14 08:40:58

Dow Jones money: a stable future economy

I began to write this text in October when Ben Bernanke and his friends followed the laws of string theory (a Reuters blog) ... reparametrization invariance of the string.To repay Bernanke's debt, I will look at the situation [more...]

Date: 2008-11-27 08:00:00

The Hope (Dashed) For Homeowners Program

an email: If you think it's worthwhile, how about an article that explains the HUD hope to homeowners program in plain(er) English ... . Is there an actual yardstick for that? Debt-to-income? Something else? The program is effective [more...]

Date: 2008-12-23 14:40:31

Weekly Economic Potpourri November 29, 2008

Every week there are a numerous headlines that are worthy of mentioning but I simply run out of time ... owner Taubman Centers Inc., offered a $20 gift card voucher to the first 2,008 vehicles travelling [more...]

Date: 2008-11-29 18:46:00

Debt Consolidation Tips Maximizing the Equity in Your Home with a Second Mortgage Loans

Debt Consolidation Tips Maximizing the Equity in Your Home with a Second Mortgage Loans Debt Consolidation Tips Maximizing the Equity in Your ... card debt and other high-interest installment loans, using your equity for bill consolidation makes ... -interest creditors while “rolling” that debt into your mortgage. Credit card consolidation [more...]

Date: 2009-01-15 22:20:23

Freeing Up Cash With A Remortgage

In the UK, the interest rates on new mortgages tend to follow the base rate set by the Bank of England ... up some of the money in their home, turning it from equity into cash. For example, someone with a ?40,000 mortgage [more...]

Date: 2009-01-15 03:24:17

Wall Street strategists predict 17 percent stock gain in 2009

#fullpost{display:inline;} The average 2009 year-end S&P 500 is 1,056, or 16.9% above the S&P's year-end price of 903.25. clipped from www.bloomberg ... a recession,” said Binky Chadha, the New York-based chief U.S. equity strategist at Deutsche Bank [more...]

Date: 2009-01-07 16:38:00

Alan Schram: The Story of 2008: What Went Wrong?

The past year has been financially chaotic on a level almost no one alive has ever seen ... has $1 billion of capital. They buy $30 billion worth of triple-A mortgage-related debt using $29 billion [more...]

Date: 2009-01-12 05:06:35

Heloc Delinquencies Rise to Highest Level Ever

Heloc Delinquencies Rise to Highest Level Ever 07Jan09 Both home equity line and indirect auto loan delinquencies reached the highest levels ever ... Delinquency Bulletin. Home equity line delinquencies increased seven basis points to a record high 1.15 [more...]

Date: 2009-01-07 17:58:29

synthetic bonds

By Robert WaldmannFelix Salmon explains how to make a synthetic bond ... can the notional value of CDSs be greater than the US national debt ?update: The title was supposed to be a joke [more...]

Date: 2008-11-30 14:49:00

Petro-Canada Can Wait to Access Debt Markets Until 2010

Petro-Canada says it can ride out the current economic storm and won’t need to access the debt markets until 2010 ... 2010 without having to access more debt. The company said it has a debt-to-debt+equity ratio of 20% and a debt-to-cash flow ratio of 0.9x. [more...]

Date: 2008-11-30 13:23:57

Debt Restructuring - Helping You Gain Control of Finances

Restructuring your debt will help you gain control of your finances once again ... to third parties to help you deal with your creditors. Taking Advantage Of Debt Consolidation Using a debt consolidation loan will help you take charge of your monthly payments once [more...]

Date: 2009-01-15 06:20:49

Oldie but Goodie - An Article about Preferreds

A friend of mine sent this to me. It is an old article about investing in Preferreds ... /research/2001/features010424.htm By Todd N. Lebor Even though preferred stocks are listed as equity [more...]

Date: 2009-01-14 06:57:52

Fed Talk "Slaves 'R' Us"

Bernanke: More bank bailouts neededNEW YORK (CNNMoney.com) ... guarantees of their debt could be necessary, in return for the federal government receiving further [more...]

Date: 2009-01-13 17:12:00

by Dr. Ellen Hodgson Brown featured writerDandelion SaladEllen’s postwebofdebt ... the whole problem and create a new, healthy, parallel system [more...]

Date: 2009-01-12 22:30:40

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

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