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Convertible Bonds Primer
Convertible Bonds Primer

... opportunity to redeem the bonds in either stock or cash. Ideally, the two values should be equivalent, but investors should prefer cash because of the potential slippage in stock price as bondholders simultaneously sell stock to obtain cash. Sleeping Investor Clause – If the current stock price is a ...
Impact of the Payment of Interest on Demand Deposits
Impact of the Payment of Interest on Demand Deposits

... This argument was often generalized to apply to interest rate competition for all bank deposits, time as well as demand. A third reason, also relating to lower costs expected to result from the prohibition, concerned deposit insurance for banks c A major concern was how banks, in their weakened fina ...
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... Zero lower bound. The problem of debt-deflation is further exacerbated by the zero lower bound on nominal interest rates. Over the long run as inflation falls, nominal interest rates generally fall as well. Once nominal rates reach zero, they can fall no further, rendering the conventional instrumen ...
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... In order to test the qualitative implications of my model at the reduced-form quantitative level, I build on a series of studies by Mian and Sufi (2009, 2011, 2012) and Mian, Rao and Sufi (2012) and show that the basic predictions of my model are borne out by the data. In particular, I find that dur ...
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Forward Guidance in the Yield Curve: Short Rates versus Bond Supply

Risk Management by Insurers: An Analysis of the Process
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... Most  competitors  in  the  “distressed  servicing”  space  of  the  mortgage  industry  either  sub‐ service distressed loans serviced by other lenders or service loans owned by investors that  have acquired portfolios of distressed loans, e.g., equity funds, hedge funds, etc.  Typically,  such  co ...
Filed pursuant to Rule 424(b)(5) Registration No. 333
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... Because we are a holding company, our rights and the rights of our creditors, including the holders of the notes, to participate in the distribution or allocation of the assets of any subsidiary during its liquidation or reorganization, will be subject to the prior claims of the subsidiary’s credito ...
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Interest



Interest is money paid by a borrower to a lender for a credit or a similar liability. Important examples are bond yields, interest paid for bank loans, and returns on savings. Interest differs from profit in that it is paid to a lender, whereas profit is paid to an owner. In economics, the various forms of credit are also referred to as loanable funds.When money is borrowed, interest is typically calculated as a percentage of the principal, the amount owed to the lender. The percentage of the principal that is paid over a certain period of time (typically a year) is called the interest rate. Interest rates are market prices which are determined by supply and demand. They are generally positive because loanable funds are scarce.Interest is often compounded, which means that interest is earned on prior interest in addition to the principal. The total amount of debt grows exponentially, and its mathematical study led to the discovery of the number e. In practice, interest is most often calculated on a daily, monthly, or yearly basis, and its impact is influenced greatly by its compounding rate.
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