UnitedHealth Group Second Quarter 2016 Form 10-Q
... Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to su ...
... Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to su ...
SUBPriME MOrTGAGE CriSiS iN THE UNiTED STATES iN 2007–2008
... events has evolved into such a severe financial crisis, i.e. why the financial system suffered the freezing of capital markets and the widespread collapse of financial institutions, why the housing market and credit bubble was so inflated, and how and what factors on the part of the private and publ ...
... events has evolved into such a severe financial crisis, i.e. why the financial system suffered the freezing of capital markets and the widespread collapse of financial institutions, why the housing market and credit bubble was so inflated, and how and what factors on the part of the private and publ ...
The Relationship between Mortgage Markets and House Prices
... Policy Forum 2008", New York University, New York, 14 April 2008. ...
... Policy Forum 2008", New York University, New York, 14 April 2008. ...
Lecture Note One
... • Ross, Westerfield, and Jaffe Question 2 (pp. 449) • Firm has a total market value of $150,000 under no debt. EBIT (Earnings before interest and taxes) is $14,000 under normal case and is 40% higher if in expansion and is 70% lower when it is recession. The corporate tax rate is 40%. There are curr ...
... • Ross, Westerfield, and Jaffe Question 2 (pp. 449) • Firm has a total market value of $150,000 under no debt. EBIT (Earnings before interest and taxes) is $14,000 under normal case and is 40% higher if in expansion and is 70% lower when it is recession. The corporate tax rate is 40%. There are curr ...
Volume 72 No. 1, March 2009 Contents
... evidence suggests that, overall, financial vulnerability in the household sector did not greatly increase over the period of strong house price rises this decade. Simple modelling suggests that some households would, however, be vulnerable to simultaneous large shocks to house values, interest rates ...
... evidence suggests that, overall, financial vulnerability in the household sector did not greatly increase over the period of strong house price rises this decade. Simple modelling suggests that some households would, however, be vulnerable to simultaneous large shocks to house values, interest rates ...
Mortgage market in the Netherlands
... housing market in general. First-time buyers will be hit by lower affordability and will be less able and willing to buy a house. Uncertainty is already plaguing the housing market since 2008. Since this year, house prices are slowly declining. In our view, this process is likely to continue in the ...
... housing market in general. First-time buyers will be hit by lower affordability and will be less able and willing to buy a house. Uncertainty is already plaguing the housing market since 2008. Since this year, house prices are slowly declining. In our view, this process is likely to continue in the ...
Bankruptcy Equilibrium: Secured and Unsecured assets
... Although most debt is secured, the role of unsecured debt is still important in the economy, especially for people who lack of collateral. It also depends on demographic variables. As can be seen in [12], unsecured debt is more important for people under 35 years old. Also, in the case of firm debt ...
... Although most debt is secured, the role of unsecured debt is still important in the economy, especially for people who lack of collateral. It also depends on demographic variables. As can be seen in [12], unsecured debt is more important for people under 35 years old. Also, in the case of firm debt ...
ch11 LG Student
... A contingent liability should be recorded in the accounts when: a. it is probable the contingency will happen, but the amount cannot be reasonably estimated. b. it is reasonably possible the contingency will happen, and the amount can be reasonably estimated. c. it is probable the contingency will h ...
... A contingent liability should be recorded in the accounts when: a. it is probable the contingency will happen, but the amount cannot be reasonably estimated. b. it is reasonably possible the contingency will happen, and the amount can be reasonably estimated. c. it is probable the contingency will h ...
Country report on Bulgaria - European Commission
... to a reduction in gross external debt, mitigating risks. However, the negative level of the net external position remains rather high and the increasing financing needs of the government create some new risks. ...
... to a reduction in gross external debt, mitigating risks. However, the negative level of the net external position remains rather high and the increasing financing needs of the government create some new risks. ...
THE NATIONAL DEBT AND ECONOMIC POLICY IN THE MEDIUM
... In the case of the Irish private sector, its demand for Irish government debt was a function of the wealth that was available for investment and the expected rates of return on government securities and other alternative assets such as residential and commercial property and machinery and equipment ...
... In the case of the Irish private sector, its demand for Irish government debt was a function of the wealth that was available for investment and the expected rates of return on government securities and other alternative assets such as residential and commercial property and machinery and equipment ...
chapter 12—special industries: banks, utilities, oil and gas
... 28. The successful efforts method places only exploration and production costs of successful wells on the balance sheet under property, plant, and equipment. ANS: T 29. A basic issue, still unresolved, relates to whether oil and gas exploration cost should be expensed or capitalized. ANS: T 30. The ...
... 28. The successful efforts method places only exploration and production costs of successful wells on the balance sheet under property, plant, and equipment. ANS: T 29. A basic issue, still unresolved, relates to whether oil and gas exploration cost should be expensed or capitalized. ANS: T 30. The ...
Reputation, Renegotiation, and the Choice between Bank Loans
... information about the chance of his firm being in financial distress. If a firm is in financial distress, it may reflect, in some cases, the poor quality of its projects; in other cases, it may be due to reasons unrelated to project quality. In the former case the right course is for lenders to liqu ...
... information about the chance of his firm being in financial distress. If a firm is in financial distress, it may reflect, in some cases, the poor quality of its projects; in other cases, it may be due to reasons unrelated to project quality. In the former case the right course is for lenders to liqu ...
Valuing Accounts Receivable
... To avoid a mismatch, we do not wait until we know exactly which receivables are uncollectible. Instead, we must estimate the uncollectible accounts receivable. The Allowance Method Because we do not know which specific accounts receivable will need to be written off, we use what is known as the ...
... To avoid a mismatch, we do not wait until we know exactly which receivables are uncollectible. Instead, we must estimate the uncollectible accounts receivable. The Allowance Method Because we do not know which specific accounts receivable will need to be written off, we use what is known as the ...
Mortgage backed securities
... different classes of CMO interests, known as tranches, according to a complicated deal structure. Each tranche may have different principal balances, coupon rates, prepayment risks, and maturity dates (ranging from a few months to twenty years). CMOs are often highly sensitive to changes in interest ...
... different classes of CMO interests, known as tranches, according to a complicated deal structure. Each tranche may have different principal balances, coupon rates, prepayment risks, and maturity dates (ranging from a few months to twenty years). CMOs are often highly sensitive to changes in interest ...
Franklin Floating Rate Daily Access Fund Summary Prospectus
... subject to the risk that the debt security’s effective maturity is extended because calls or prepayments are less or slower than anticipated, particularly when interest rates rise. The market value of such security may then decline and become more interest rate sensitive. Prepayment Prepayment risk ...
... subject to the risk that the debt security’s effective maturity is extended because calls or prepayments are less or slower than anticipated, particularly when interest rates rise. The market value of such security may then decline and become more interest rate sensitive. Prepayment Prepayment risk ...
Types and Institutions of Instalment Credit
... extension that they encourage. Another reason for the greater use of cOmmodity credit is that most people feel less hesitation about buying on credit than about borrowing cash. In arranging for commodity credit they are more conscious of the buying aspect of the transaction than of the credit aspect ...
... extension that they encourage. Another reason for the greater use of cOmmodity credit is that most people feel less hesitation about buying on credit than about borrowing cash. In arranging for commodity credit they are more conscious of the buying aspect of the transaction than of the credit aspect ...
Kampala Capital City Authority
... covers an area of 189km2, of which 19km2 is water. The city is divided into five urban divisions, being Central, Kawempe, Makindye, Lubaga and Nakawa. However, surrounding the city are several other municipal jurisdictions that rely on their proximity to Kampala for economic activity. Thus, while th ...
... covers an area of 189km2, of which 19km2 is water. The city is divided into five urban divisions, being Central, Kawempe, Makindye, Lubaga and Nakawa. However, surrounding the city are several other municipal jurisdictions that rely on their proximity to Kampala for economic activity. Thus, while th ...
Accounting for Receivables
... are issued as evidence of the debt. The debtor normally is required to pay __________ and the time period may extend for 30 to 90 days or longer. Notes and accounts receivable that result from sales transactions are often called _________ receivables. ___________ receivables include __________ recei ...
... are issued as evidence of the debt. The debtor normally is required to pay __________ and the time period may extend for 30 to 90 days or longer. Notes and accounts receivable that result from sales transactions are often called _________ receivables. ___________ receivables include __________ recei ...
Degree of Financial and Operating Leverage and
... that all equity firms will not be leveraged. Empirical analysis indicates that firm level characteristics such as firm size, premium growth age of the firm, riskiness of the firm and macroeconomic variables such as Lending rate, exchange rate and GDP may possibly influence an insurance company’s fin ...
... that all equity firms will not be leveraged. Empirical analysis indicates that firm level characteristics such as firm size, premium growth age of the firm, riskiness of the firm and macroeconomic variables such as Lending rate, exchange rate and GDP may possibly influence an insurance company’s fin ...
economic and fiscal outlook
... over the past year or so; core inflation (i.e. excluding the impact of energy and unprocessed food prices) has been running at around 1 per cent in recent quarters. For next year, oil price declines will be less of a drag. Taking this and other factors into account, HICP inflation is projected to av ...
... over the past year or so; core inflation (i.e. excluding the impact of energy and unprocessed food prices) has been running at around 1 per cent in recent quarters. For next year, oil price declines will be less of a drag. Taking this and other factors into account, HICP inflation is projected to av ...
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.