Advance America Compared to All Other
... households. One Check Into Cash report claimed that a new store could be opened in under two weeks with $20,000 dollars and recover its initial costs after only nine months of operation (Rivlin, 2010). In those early days payday lending operated in a legal grey area. As non-bank institutions, payday ...
... households. One Check Into Cash report claimed that a new store could be opened in under two weeks with $20,000 dollars and recover its initial costs after only nine months of operation (Rivlin, 2010). In those early days payday lending operated in a legal grey area. As non-bank institutions, payday ...
Methodology And Assumptions: Liquidity
... to meet the ratio test for A/B and at least four of the other supportive characteristics listed below. Few companies qualify for this category. The first three characteristics reference quantitative measures that apply in most industries. In exceptionally stable or volatile industries, however, the ...
... to meet the ratio test for A/B and at least four of the other supportive characteristics listed below. Few companies qualify for this category. The first three characteristics reference quantitative measures that apply in most industries. In exceptionally stable or volatile industries, however, the ...
Subprime Lending, Suboptimal Bankruptcy: A Proposal to Amend
... significant economic and social costs. According to one estimate, equity stripping, excessive interest rates, and foreclosures in the subprime market cost consumers $9.1 billion annually.4 The decrease in financial security caused by subprime mortgage lending and rising foreclosure rates has taken i ...
... significant economic and social costs. According to one estimate, equity stripping, excessive interest rates, and foreclosures in the subprime market cost consumers $9.1 billion annually.4 The decrease in financial security caused by subprime mortgage lending and rising foreclosure rates has taken i ...
Analyzing Yield, Duration and Convexity of Mortgage Loans under
... investigate the premiums of prepayment and default. They argue that borrowers are endowed with the option to prepay (call) or default (put) the mortgage contract. The values of prepayment and default options are calculated through specifying relevant variable processes such as interest rates, house ...
... investigate the premiums of prepayment and default. They argue that borrowers are endowed with the option to prepay (call) or default (put) the mortgage contract. The values of prepayment and default options are calculated through specifying relevant variable processes such as interest rates, house ...
athens-clarke county, georgia comprehensive annual financial
... 2014. Trends in the local economy indicate that the business outlook continues to improve. Athens-Clarke County’s top five industry sectors are Education, Healthcare, Retail, Hospitality, and Manufacturing; growth was seen in all sectors. Based on building permit data, construction activity rose to ...
... 2014. Trends in the local economy indicate that the business outlook continues to improve. Athens-Clarke County’s top five industry sectors are Education, Healthcare, Retail, Hospitality, and Manufacturing; growth was seen in all sectors. Based on building permit data, construction activity rose to ...
The Dark Side of Universal Banking: Financial Conglomerates and
... III. UNIVERSAL BANKS WERE THE PRIMARY PRIVATE-SECTOR ...
... III. UNIVERSAL BANKS WERE THE PRIMARY PRIVATE-SECTOR ...
SIFMA Submits Comments to FINRA on FINRA`s Markup Proposal
... figure, then the disclosure of one, but not the other, cannot be considered a factor in determining whether the charge is fair and reasonable. SIFMA does not believe that there is a sound policy basis for this limitation. Because disclosure is just a factor and not a requirement, the manner in whic ...
... figure, then the disclosure of one, but not the other, cannot be considered a factor in determining whether the charge is fair and reasonable. SIFMA does not believe that there is a sound policy basis for this limitation. Because disclosure is just a factor and not a requirement, the manner in whic ...
Main Street Capital CORP (Form: 10-K, Received: 02
... Our principal investment objective is to maximize our portfolio's total return by generating current income from our debt investments and capital appreciation from our equity and equity related investments, including warrants, convertible securities and other rights to acquire equity securities in a ...
... Our principal investment objective is to maximize our portfolio's total return by generating current income from our debt investments and capital appreciation from our equity and equity related investments, including warrants, convertible securities and other rights to acquire equity securities in a ...
Appendix III: Credit Growth OLS Regression, Summary Statistics
... the main one being the inability of debtors to repay credit obligations. The failure by creditors to assess and properly manage such risk was displayed on a massive scale in 2008 in the United States when hundreds of thousands of homeowners went into default as an increase in flexible interest rates ...
... the main one being the inability of debtors to repay credit obligations. The failure by creditors to assess and properly manage such risk was displayed on a massive scale in 2008 in the United States when hundreds of thousands of homeowners went into default as an increase in flexible interest rates ...
The Valuation of Collateralised Debt Obligations - DORAS
... This thesis develops a model for valuing CDOs using a nsk-neutral approach in a multi period setting A model is also developed which reproduces Moody’s CDO rating The Moody’s rating is compared to that which is implied from applying the nsk-neutral model, the differences analysed and the implicatio ...
... This thesis develops a model for valuing CDOs using a nsk-neutral approach in a multi period setting A model is also developed which reproduces Moody’s CDO rating The Moody’s rating is compared to that which is implied from applying the nsk-neutral model, the differences analysed and the implicatio ...
US SECURITIES AND EXCHANGE COMMISSION FORM
... related consolidated statements of income, changes in stockholders’ equity and cash flows for each of the years in the three-year period ended December 31, 2009, and the related consolidated balance sheets of Citibank, N.A. and subsidiaries as of December 31, 2009 and 2008. These consolidated financ ...
... related consolidated statements of income, changes in stockholders’ equity and cash flows for each of the years in the three-year period ended December 31, 2009, and the related consolidated balance sheets of Citibank, N.A. and subsidiaries as of December 31, 2009 and 2008. These consolidated financ ...
Project on Financial Statement Analysis of the Textile Industry Of
... ind ication of a firm's financial performance in several key areas. It is a tool possesses severa l importan t features for example to form trend analysis to identify areas where perfo rm ance has improved or deteriorated over time. Its cffecti ve ness is limited by the distortions which arise in fi ...
... ind ication of a firm's financial performance in several key areas. It is a tool possesses severa l importan t features for example to form trend analysis to identify areas where perfo rm ance has improved or deteriorated over time. Its cffecti ve ness is limited by the distortions which arise in fi ...
Leverage and Corporate Performance: Evidence from Unsuccessful
... 207 increased their leverage ratios. The median level of total debt scaled by the book value of assets of these firms increased from 59.8 percent one year before the unsuccessful takeover attempt to 71.5 percent one year afterward.' These leverage increases appear to be part of the targets' defensiv ...
... 207 increased their leverage ratios. The median level of total debt scaled by the book value of assets of these firms increased from 59.8 percent one year before the unsuccessful takeover attempt to 71.5 percent one year afterward.' These leverage increases appear to be part of the targets' defensiv ...
E TRADE FINANCIAL CORP - Nasdaq`s INTEL Solutions
... In the fourth quarter of 2009, we decided to restructure our international brokerage business, which provides trading products and services through two primary channels: 1) cross-border trading, where customers residing outside of the U.S. trade in U.S. securities; and 2) local market trading, where ...
... In the fourth quarter of 2009, we decided to restructure our international brokerage business, which provides trading products and services through two primary channels: 1) cross-border trading, where customers residing outside of the U.S. trade in U.S. securities; and 2) local market trading, where ...
ESRB 2014 - European Systemic Risk Board
... and credit to households) that may be less robust to financial innovation than a broad measure based on total credit. A number of other variables performed well in univariate signalling, and thus offer a good indication that the CCB may need to be built up. These variables include the residential pr ...
... and credit to households) that may be less robust to financial innovation than a broad measure based on total credit. A number of other variables performed well in univariate signalling, and thus offer a good indication that the CCB may need to be built up. These variables include the residential pr ...
Essays on government debt financing costs
... In the recent years, more and more countries had to face the problem that their government debt / gross domestic product quotients dynamics were not sustainable. The most important factors in this process were smaller growth, bad structural balance of the budget, and high financing costs of the gove ...
... In the recent years, more and more countries had to face the problem that their government debt / gross domestic product quotients dynamics were not sustainable. The most important factors in this process were smaller growth, bad structural balance of the budget, and high financing costs of the gove ...
Toys “R” Us, Inc. - corporate
... We have audited the accompanying consolidated financial statements of Toys “R” Us - Delaware, Inc. and subsidiaries, which comprise the consolidated balance sheets as of January 28, 2017 and January 30, 2016, and the related consolidated statements of operations, comprehensive income (loss), stockho ...
... We have audited the accompanying consolidated financial statements of Toys “R” Us - Delaware, Inc. and subsidiaries, which comprise the consolidated balance sheets as of January 28, 2017 and January 30, 2016, and the related consolidated statements of operations, comprehensive income (loss), stockho ...
Form 10-Q - Wells Fargo
... business accounts, including 623,000 consumer and small business unsecured credit card accounts. As a result of this review, $2.6 million has been refunded to customers for any fees associated with the potentially unauthorized accounts. Since the announcement of the settlements, the review has been ...
... business accounts, including 623,000 consumer and small business unsecured credit card accounts. As a result of this review, $2.6 million has been refunded to customers for any fees associated with the potentially unauthorized accounts. Since the announcement of the settlements, the review has been ...
citigroup`s 2008 annual report on form 10-k
... Citigroup expenses increased $1.1 billion, or 9%, year-overyear to $12.9 billion. Excluding the impact of the UK bonus tax of approximately $400 million in the second quarter of 2010, expenses increased by nearly $1.5 billion, or 13%, yearover-year. Approximately one-third of this 13% increase resul ...
... Citigroup expenses increased $1.1 billion, or 9%, year-overyear to $12.9 billion. Excluding the impact of the UK bonus tax of approximately $400 million in the second quarter of 2010, expenses increased by nearly $1.5 billion, or 13%, yearover-year. Approximately one-third of this 13% increase resul ...
2015 annual report
... South African Custodial Management operates the 3,024-bed Kutama Sinthumule ...
... South African Custodial Management operates the 3,024-bed Kutama Sinthumule ...
Uncertainty and consumer durables adjustment
... inactive is valuable when deviations from frictionless optimum levels are likely to be erased soon by volatile exogenous developments rather than by costly action. This theoretical perspective is applicable to many adjustment decisions (including labor demand, investment, inventories, and cash balan ...
... inactive is valuable when deviations from frictionless optimum levels are likely to be erased soon by volatile exogenous developments rather than by costly action. This theoretical perspective is applicable to many adjustment decisions (including labor demand, investment, inventories, and cash balan ...
Government Guarantees and Fiscal Risk, April 1, 2005
... commercial availability of catastrophe insurance is likely to determine whether the private sector bears this risk. But other types of risk are more problematic, including demand risk, exchange rate risk, and residual value risk. Demand risk relates to the continued need for a service, and is normal ...
... commercial availability of catastrophe insurance is likely to determine whether the private sector bears this risk. But other types of risk are more problematic, including demand risk, exchange rate risk, and residual value risk. Demand risk relates to the continued need for a service, and is normal ...
Planning for Retirement Terrance K Martin Jr.* and Michael Finke
... 451. Bernheim, Forni, Gokhale, and Kotlikoff (1999) find that the median household would need to increase their savings rate by as much as 20% to replace pre-retirement levels of consumption. Studies of employee participation in employer-sponsored retirement plans shows that many do not participate ...
... 451. Bernheim, Forni, Gokhale, and Kotlikoff (1999) find that the median household would need to increase their savings rate by as much as 20% to replace pre-retirement levels of consumption. Studies of employee participation in employer-sponsored retirement plans shows that many do not participate ...
Household debt
Household debt is defined as the amount of money that all adults in the household owe financial institutions. It includes consumer debt and mortgage loans. A significant rise in the level of this debt coincides historically with many severe economic crises and was a cause of the U.S. and subsequent European economic crises of 2007–2012. Several economists have argued that lowering this debt is essential to economic recovery in the U.S. and selected Eurozone countries.