U.K. Banks Weigh Debt Help
By CARRICK MOLLENKAMP and ALISTAIR MACDONALDU.K. banks could pursue a plan that would give faltering companies a way to offload bad debt in order to ... to exchange debt for equity, effectively bringing down debt-payment costs. The U.K. government ... a plan that is in its preliminary stages, these people said that U.K. banks -- possibly [more...]
Date: 2009-01-12 14:35:00
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Deutsche Bank analyst says GM may still consider Chapter 11
Filed under: Government/Legal, GM GM was able to avoid bankruptcy court when it received billions in government loans, ... a stipulation that demands the General swaps a great deal of its $36 billion in outstanding debt for equity ... . GMAC, which was required to exchange 75% of its bondholder debt for equity to become a TARP-eligible [more...]
Date: 2009-01-15 21:58:00
Debt Management: Forget about the Past
Not one person in this world can live without making mistakes. Mistakes are palpable regardless of how good or experienced you are ... ways: debt consolidation loan, home equity loan, use a debt settlement company or bankruptcy ... our debts. In fact, we can commit the most mistakes when it comes to debt management as this involves [more...]
Date: 2009-01-04 16:23:11
Chrysler CEO: Fuel Economy’s Up, Future is Green
Chrysler CEO Bob Nardelli sent a letter to the automaker’s employees yesterday in which he reflects on the past year, ... ;P analysts wrote, the agency considers the offer to exchange secured debt for equity or new debt ... to provide financial assistance as well to protect Canadian manufacturing. This support underscores [more...]
Date: 2008-12-23 18:00:54
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
Understanding Rights Issues
Photo by micsalac There have been a spate of rights issues by listed companies recently ... that they require more funds. There is also the problem of existing credit lines of companies being reduced ... to raise capital. Via debt or equity. Debt can be raised through bank borrowings or the issuing [more...]
Date: 2009-01-14 04:09:35
Next, the Minsk Revolutionary Tractor Works:
Britain:"Taxpayers to own part of small businessesStruggling small firms will be invited to sell a stake of their business to the tax-payer in return for the Government under-writing their debts, ministers will announce today.The "debt into equity" scheme is designed to help companies considered of key importance to the economy which are at risk [more...]
Date: 2009-01-14 07:37:00
huge tarp nothing more than a band aid
With its share price under renewed pressure, it looks as though CitiGroup is again on the verge of bankruptcy, ... s stop the charade and fully nationalize the company, including: The removal of the current ... . A wipeout of existing stakeholders, debt and equity alike. Forced write-down of bad debt.” Yahoo [more...]
Date: 2009-01-11 14:14:46
One-on-One With Phil Weiser – Topic #1: Finance
Late last year, Phil Weiser (the omnipresent head of Silicon Flatirons and CU professor of Law and Telecommunications) ... and what it means for start-ups, evaluating the role of angel financing, venture capital, private equity as well as the public debt and equity markets. Our discussion will touch on whether venture [more...]
Date: 2009-01-12 21:56:22
GMAC needs to clear final hurdle for bailout funds
GRAND BLANC, Mich. (AP) — The financing arm of General Motors Corp ... a complicated debt-for-equity exchange by 11:59 p.m. EST. The effort to raise $30 billion in equity ... of the debt exchange and the Fed’s acceptance of GMAC as a bank holding company - were tied to each other [more...]
Date: 2008-12-27 04:43:30
GM Could Go to Zero, Chrysler Even More Likely. Ahh... So We Do Have a Non-Govt Mechanism for Restructuring Companies
Yes we know. We could have been more succinct with our title ... , and there you have it GM can reduce its onerous debt burden. So where's the problem? Ah yes, the UAW. They refused ... of equity value could be wiped out as debt restructuring could lead to current equity holders being diluted [more...]
Date: 2008-12-23 05:49:55
Home Ownership: Road To The Poor House!
By Tom Graneau Most home buyers believe that they are on a path to financial prosperity as a result of buying a home ... nightmare? Research indicates that millions of people assume thousands of dollars in mortgage debt ... than the house. “Home equity” (the appreciated value of the house, over debt owed) is the eventual [more...]
Date: 2009-01-15 14:11:54
Still Debating What GM Shares Would Be Worth
CREDIT-RATING CUTS RENEW QUESTIONS ABOUT AUTO EQUITIES What’s the value of the equity of General Motors (GM) ... faces. Worries about that debt rating helped erase the bulge in equity value the stock experienced late ... since credit mavens don’t think their debt is very reliable? How ’bout zero? Standard & Poor’ [more...]
Date: 2008-12-23 15:06:42
New Brown plan; too little, too late
Now he comes, bestriding the country as a Colossus amongst men. Prime Minister Brown has a new plan, known as plan z1.1 or something ... to get this far, several bank failures and the future enslavement to debt repayment ... that the Government will do debt for equity swaps in small businesses. This is a very bad idea. Small [more...]
Date: 2009-01-14 00:01:00
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
3 Ways To Consolidate Debt and Avoid Bankruptcy
If you’ve racked up a little more debt than you can handle, you’re not alone ... , that promise to erase or consolidate your debt for an outrageous fee. Although you will have to pay for debt ... want to consider consolidating your debt into a home equity loan. The interest rate is usually [more...]
Date: 2009-01-10 15:42:12
Debt/Equity Ratio 0.29 (SYNA, rated BUY)
Listed as a hold but looks like a solid strong buy 52 week high 40.90- sales 473 million - income 54 million - sales growth 31% income growth 396% debt/ equity ratio .29 When citing the reasons for selecting Synapse above all others in this crowded, new market, Frost & Sullivan stated that, "since the introduction of the Internet as a building automation tool, no other technology has had as profound an impact as wireless technology. [more...]
Date: 2009-09-24 01:42:48
THE FROZEN IPO MARKET
The stock market has traditionally been a great place for private companies with a small group of owners to a get a return on their initial ... to raise $450 million to pay off current investors and help finance future wind power projects ... . "If we are unable to obtain additional debt or equity financing, we may have to curtail our development [more...]
Date: 2008-12-30 13:21:58
Flotsam and Jetsam
I agree with the wish list of Meet The Press regulars who should retire, but is Ruth Marcus really a new face to shake things up? ... The Washington Post editors spot the key problem with the car bailout: “A weakness of the proposal, however ... can ensure their viability unless creditors convert much of their debt to equity — and the UAW both takes [more...]
Date: 2008-12-11 12:28:35
David Cameron on the ‘failure of moral leadership’
It is heartening indeed to hear David Cameron talk of a ‘day of reckoning’ for those responsible for the financial mess in which we find ourselves ... are bequeathed a frightening inheritance of colossal debt, negative equity and perpetual mortgage. Mr Cameron ... of the prophets of old. Mr Cameron said there should not be ‘ [more...]
Date: 2008-12-16 07:14:00
Secondary Sources: More Than Stimulus, Fed Balance Sheet
A roundup of economic news from around the Web. More Than Stimulus: Martin Wolf of the Financial Times writes that stimulus alone won’t save the U.S ... . The U.S. cannot afford years of painful debt reduction in the private sector — a process that has still ... more fiscal recapitalization or debt-for-equity swaps. It also means the mass bankruptcy of [more...]
Date: 2009-01-14 17:00:00
Brown's hi-tech gamble on a new "Labour 3i"
All the headlines are focusing on the business loans guarantee scheme, ... . "We will buy shares in hi-tech companies that have a viable future sot hat they can transfer debt into equity ... it grow, I would like to see it extended. Not because I believe debt or credit are wrong, of course [more...]
Date: 2009-01-14 14:05:43
Pay Me My Money Down
Pay Me My Money Down—Bruce Springsteen In a healthy real estate market, people only take on as much debt as they can afford, and they work to pay it off as quickly as possible. Debt is something to be retired not endlessly ... ways: Speculation. Inflation. Debt Retirement. Types of Equity A truth that everyone [more...]
Date: 2009-01-08 20:30:56
Who Gets Stuck With The Dead Cow?
Falling home prices haven’t just put a strain on budgets, they’ve put a strain on marriages- and divorces ... there are no assets left to help them start over. In a normal economy, couples typically build equity ... debt. Now that investments and stock values have crashed, a divorce leaves both parties with less money [more...]
Date: 2008-12-30 13:19:17
on it again
My friend just got home 1 month earlier my father, she too works in a cruise line! ... that helped millions of people with their house financing, debt consolidation and equity loans. like this company, good and renowned service must be the first thing to consider when applying [more...]
Date: 2008-11-11 14:09:18
on mortgage talks
A childhood friend just got home 1 month earlier my father, she too works in a cruise line! ... 1 in the states that helped millions of people with their house financing, debt consolidation and equity loans. like this company, good and renowned service must be the first thing to consider [more...]
Date: 2008-10-27 13:51:27
Tips a Home Owner Should Know Before Refinancing
by katie George Mounting debt has many homeowners considering refinancing their mortgage for the purpose of cashing out the equity to consolidate credit card debt at a lower interest rate. Homeowners should not consider real estate mortgage refinance as a way to pay for a vacation unless it will be your last, a new car or a boat. A good [more...]
Date: 2008-12-29 22:15:15
Why Does Paulson Want Us to Keep Piling up Debt?
Bailout Nation turns to consumers today, as Treasury Secretary Henry Paulson prepares to announce a new program to encourage lending for auto loans, ... to complain when consumers finally get their turn. I know we need to get credit moving to help the economy ... the last decade piling up debt, taking out equity from their homes to spend [more...]
Date: 2008-11-25 14:40:19
Why Bother Becoming a Bank?
Last week the Federal Reserve Board gave GMAC, the mostly spun-off financial arm of General Motors, permission to become a bank ... the Troubled Asset Relief Program (TARP). Today the Times reports that GMAC, which loans money to car ... things, it has to convert 75 percent of its debt into equity and shrink the share of the company owned [more...]
Date: 2008-12-29 16:47:00
Private Equity Firms Expected to Show 20-30% Losses for 2008
OK, you gotta help me. Private equity is basically levered equity ... that fell off a cliff, high debt loads, and in many cases, debt maturing in the next year or so. So how ... market levels to take their targets private. They then put massive amounts of debt money [more...]
Date: 2009-01-07 05:01:00
Do it yourself Credit Repair
by Rob Kosberg One day you realize that you are in a serious personal financial disaster situation ... . You don’t need to rush into “debt consolidation” or “home equity loan.” You can work out a strategic repair plan for yourself. You will start by collecting all your credit reports, bill payment statements [more...]
Date: 2009-01-08 17:46:16
Advantages & Disadvantages of Demat -
Demat accounts are very popular in India. Demat account is the short form of Dematerialised Account ... /consolidation/merger etc. - Holding investments in equity and debt instruments in a single ... on transfer of securities; - Elimination of risks associated with physical certificates [more...]
Date: 2009-01-06 13:43:00
Select the Best Refinance Lender to Save Money
Replacing, refunding or repaying any new equity or debt or a combination of both is referred to as refinancing ... things that you must know while you approach best refinance lenders are: 1. Objective for mortgage refinance - Consolidation of bills or debts, to pay off your mortgage loan faster, lowering the hoemploy [more...]
Date: 2009-01-02 06:03:30
Miracle TARP Can Cover Anything
The Treasury Department has agreed to buy a $5 billion stake in GMAC, General Motors' former financial subsidiary, to help it become a bank holding company. The money will come from the Troubled Asset Relief ... of its debt to equity. But that's hardly the most confusing part of the deal. GMAC, which loans money [more...]
Date: 2008-12-31 16:37:00
Markets Vote Against Bailout Bill; Dodd Circulating Variant, Takes Equity for Dodgy Debt (Updated)
Aha, Congress isn't being so supine after all. Christopher Dodd, who in his initial press comments seemed to be behind the Paulson bailout plan, ... take senior debt instead, placing it in the front of the line of debt holders for repayment ... in which it buys bad assets. This creates a disincentive against using the program casually as a dumping [more...]
Date: 2008-09-22 19:09:40
Transcript: DICK Cheney on Fox News Sunday | The Exit Interview | December 21, 2008
(Source: CQ Transcriptswire) Editor’s Note: This portion of the show transcript contains only the Cheney interview. Mr. Chris WALLACE: Mr ... s package basically extends a line of credit to the companies for a specified period of time and also ... that’s a target. That’s not a restriction. The bond holders taking equity instead of debt — that’ [more...]
Date: 2008-12-21 20:13:21
Rogoff on banking led recessions
I had read the research by Rogoff and Reinhart a couple of weeks ago forgot to blog about it and reader Thierry Janaudy resent it to me (thanks) ... recessions. They study real estate impact, equity impact, unemployment, GDP, public debt and duration ... read as it is mostly historical data, with no analysis and models. It is also very sobering. Below [more...]
Date: 2009-01-14 18:20:18
World Peace threatened by queers: Pope
VATICAN CITY (RNS) Nuclear arms proliferation, environmental pollution and economic inequality are threats to world peace — but so are abortion, ... and display it.Aspire credit card customer service Advance cash loan payday Consolidation debt five free in Washington mutual home equity loan Low rate home equity loan Washington mutual home [more...]
Date: 2008-07-03 08:49:09
Two Questions for SAM
Andrew Caplin et al. propose a way to stop home foreclosures:The way to do so is through the shared appreciation mortgage, or SAM ... of their mortgage debt, but at the same time, they are required to share future appreciation gains with those ... get "just compensation" for losses that resulted because Congress crammed down an equity-for-debt swap? If [more...]
Date: 2008-10-29 07:44:00
Washington Giving Detroit a Second Chance
General Motors (GM) and Chrysler are on the anvil of history ... W. Bush granted $17.4 billion in temporary loans on the condition those firms convert two-thirds of their debt into equity. And persuade the UAW to accept stock for one half of what these companies owe [more...]
Date: 2009-01-14 07:00:06
Value Investing: Value in Dividends
Jon Bruner of Forbes has a screen of some value stocks that can continue to pay their dividend in an economic downturn ... . We removed companies whose debt as a percentage of equity exceed 50%, whose dividend payout exceeded ... ) Packaged Foods and Meats Family Dollar Stores (FDO) General Merchandise Stores Wolverine World Wide (WWW [more...]
Date: 2008-11-11 12:00:00
IndyMac: Private Equity Gets Smart About Banks
Private-equity firms are getting clever again. Private equity is known as “smart money” but in recent years it has made some less-than-bright investments. After paying billions of dollars in 2006 and 2007 for deals that many considered overvalued and that burdened the targets with too much debt, private-equity firms have before them [more...]
Date: 2009-01-05 17:42:52
IndyMac: Private Equity Gets Smart About Banks
Private-equity firms are getting clever again. Private equity is known as “smart money” but in recent years it has made some less-than-bright investments. After paying billions of dollars in 2006 and 2007 for deals that many considered overvalued and that burdened the targets with too much debt, private-equity firms have before them [more...]
Date: 2009-01-05 20:41:00
BANKRUPTCY PREDICTION. What are indicators of financial distress? What are indicators used in predicting corporate bankruptcy?
BANKRUPTCY PREDICTIONHere are some concise points for our Financial Learning Corner.Will the company fail? ... to total assets Debt to equity Fixed assets to stockholders' equityDoes company size bear ... . A balanced budget requires difficult choices, such as curtailment or elimination in certain services [more...]
Date: 2009-01-10 08:41:00
Zimmer Holdings (ZMH): A 'hip' holding
Zimmer designs and manufactures orthopedic implants, including joint, dental, and spinal replacements, ... given how the credit crunch is causing problems for many companies. Zimmer’s ratio of long-term debt to equity is only about 20% of its industry’s average, and it maintains a high level of cash [more...]
Date: 2009-01-08 01:35:40
Devise your own Credit Repair Plan
by Rob Kosberg You found yourself in a very bad financial situation. You may feel emotional, hopeless, guilty or all of them ... habits. It doesn’t mean a “debt consolidation,” program or a home equity loan .The word is PLAN. You will start by collecting all your credit reports, bill payment statements, and credit card [more...]
Date: 2009-01-14 23:53:58
Beneficial Finance - Mortgage Review
Beneficial Finance, does personal, auto, and mortgage lending as a retail subsidiary of mega-bank parent HSBC Group (NYSE: HBC) ... of Beneficial Finance should be avoided. They are big pushers of credit cards, home equity loans, and debt consolidation mortgages. You can’t expect much better being a subsidiary of HSBC Mortgage [more...]
Date: 2009-01-14 22:05:31
Private Equity Re-Gifting: The Debt Exchange
Times are tough for buyout firm-backed companies. The economy is in recession, slowing business and hurting earnings. The credit markets remain shut, making refinancing debt difficult at best. That leaves few options for companies who have debt coming due soon and need to refinance it, or who simply need to rework [more...]
Date: 2008-12-24 15:05:49
“AAA Borrowers”
It has yet to be determined if in fact banks are lending, and for those that are, is it truly “business as usual”?? ... , property equity, debt-to-income ratios, and cash reserves. In March 2008, Fannie Mae and Freddie [more...]
Date: 2009-01-16 03:01:21
Two Very Different Views On What To Expect In 2009
From MarketWatch Doomsayers warn: ‘No recovery before 2010 …So first let’s review Shilling’s forecasts for 2009 ... s part of a growing chorus of experts who believe “the worst global financial crisis and deepest ... lack.) Sell emerging-market equities. Sell emerging-market debt. Sell stocks in general [more...]
Date: 2009-01-15 03:42:37
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