Are We in a Recession? What Will It Look Like If We Have One?
... Household employment survey a better guide at turning points—but lots of noise ...
... Household employment survey a better guide at turning points—but lots of noise ...
A Debt Risk-Warning Model for Local Government Financing Platforms
... samples are of more efficient LGFPs, which are identified by regulatory authorities to comply with conditions for issuing bonds. This means that the model has good value for operation specifications and larger LGFPs, but not others. Second, the measure of risk in the model is based on historical dat ...
... samples are of more efficient LGFPs, which are identified by regulatory authorities to comply with conditions for issuing bonds. This means that the model has good value for operation specifications and larger LGFPs, but not others. Second, the measure of risk in the model is based on historical dat ...
The Kiplinger Letter Sales Sample Feb. 2012
... BUSINESS up 2% or so, following three years of decline in the face of a sour economy. Even in tough times, though, franchises that provide vital services continue to thrive. Start-up costs, fees and profits vary widely, of course. But franchising remains popular among those eager to run their own ...
... BUSINESS up 2% or so, following three years of decline in the face of a sour economy. Even in tough times, though, franchises that provide vital services continue to thrive. Start-up costs, fees and profits vary widely, of course. But franchising remains popular among those eager to run their own ...
We need to solve the mortgage problem before interest rates rise
... one get a mortgage – but there has been less attention paid to existing mortgage borrowers. Our new research has shown some borrowers are likely to face problems as interest rates rise. The assumption is that gradual rate rises, income growth and access to a competitive mortgage market will mean tha ...
... one get a mortgage – but there has been less attention paid to existing mortgage borrowers. Our new research has shown some borrowers are likely to face problems as interest rates rise. The assumption is that gradual rate rises, income growth and access to a competitive mortgage market will mean tha ...
Speech to the Chartered Financial Analysts of Hawaii Honolulu, Hawaii
... Within this Federal Reserve District, housing has been harder hit in some areas than in others. For example, builders and homeowners in parts of Arizona, Nevada, and the inland regions of California have seen some of the worst of the downturn, watching prices fall and equity evaporate as homes sit u ...
... Within this Federal Reserve District, housing has been harder hit in some areas than in others. For example, builders and homeowners in parts of Arizona, Nevada, and the inland regions of California have seen some of the worst of the downturn, watching prices fall and equity evaporate as homes sit u ...
Statistical implications of the crisis Marco Mira d’Ercole Counsellor, OECD Statistics Directorate
... Main features of the crisis Both the size and qualitative features of the crisis justify this initiative Starts at the centre of developed world rather than at its periphery, as had been the case with crises of Mexico in early-80s; Sweden and Japan in early-90s; South-East Asia and Russia in late ...
... Main features of the crisis Both the size and qualitative features of the crisis justify this initiative Starts at the centre of developed world rather than at its periphery, as had been the case with crises of Mexico in early-80s; Sweden and Japan in early-90s; South-East Asia and Russia in late ...
Student Loans: Should Some Indebtedness Be Forgiven?
... As Congress debates the extremely narrow issue of whether to extend the current 3.4 percent interest rate on Federal Student Loans, or to let that rate expire and, thus, double to its previous level of 6.8 percent, both sides of the aisle are missing an opportunity to do something unique, decisive, ...
... As Congress debates the extremely narrow issue of whether to extend the current 3.4 percent interest rate on Federal Student Loans, or to let that rate expire and, thus, double to its previous level of 6.8 percent, both sides of the aisle are missing an opportunity to do something unique, decisive, ...
Economic Turbulence Ahead: How Much, How Long, and What
... Recent declines in interest rates by the Federal Reserve have offset some of the decline in equity and housing market valuations. However, each decline in interest rates results in both higher energy prices and a fall in the dollar foreign exchange rate. Declines in the dollar exchange rate undermin ...
... Recent declines in interest rates by the Federal Reserve have offset some of the decline in equity and housing market valuations. However, each decline in interest rates results in both higher energy prices and a fall in the dollar foreign exchange rate. Declines in the dollar exchange rate undermin ...
New Zealand debt and house prices climbing rapidly
... Compared to other developed economies, household debt-toGDP in New Zealand is relatively high (figure 3). However, due to differences in measurement, we need to be cautious when comparing the level of debt across economies. For instance, in Australia gross debt figures exclude funds held in mortgage ...
... Compared to other developed economies, household debt-toGDP in New Zealand is relatively high (figure 3). However, due to differences in measurement, we need to be cautious when comparing the level of debt across economies. For instance, in Australia gross debt figures exclude funds held in mortgage ...
Permira Debt Managers appoints David Hirschmann as Head of
... London, 9 June 2015 – Permira Debt Managers (“PDM”) is pleased to announce the appointment of David Hirschmann as Head of Private Credit to lead the origination and execution of opportunities for PDM’s direct lending funds. David’s appointment follows that of Dan Hatcher in January 2015 to lead UK o ...
... London, 9 June 2015 – Permira Debt Managers (“PDM”) is pleased to announce the appointment of David Hirschmann as Head of Private Credit to lead the origination and execution of opportunities for PDM’s direct lending funds. David’s appointment follows that of Dan Hatcher in January 2015 to lead UK o ...
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... trade and capital flows. While we consider the euro a useful and necessary integration project for Europe, we believe that in the absence of an appropriate economic governance system it has contributed to the problems currently affecting Europe. It created a common capital market that eliminated the ...
... trade and capital flows. While we consider the euro a useful and necessary integration project for Europe, we believe that in the absence of an appropriate economic governance system it has contributed to the problems currently affecting Europe. It created a common capital market that eliminated the ...
FINANCIAL CRISIS
... Credit crisis occurred around the world Resulted from Dot Com Bubbles Federal reserves kept short-term interest rate This condition coincided with a global savings surplus Due to high savings that accumulated large reserves Global interest rate decreased Investors were alarmed of this ...
... Credit crisis occurred around the world Resulted from Dot Com Bubbles Federal reserves kept short-term interest rate This condition coincided with a global savings surplus Due to high savings that accumulated large reserves Global interest rate decreased Investors were alarmed of this ...
CapStrStu
... __________, the D.Ct. and CA-5 held for the taxpayer (i.e., business bad debt). In _________, the S.Ct. formulated the touchstone as the taxpayer’s _________ motive for the loan guarantees. Did the guarantees protect his ________ (annual pre-tax salary of $12,000) or _______ ($39,000 investment)? Th ...
... __________, the D.Ct. and CA-5 held for the taxpayer (i.e., business bad debt). In _________, the S.Ct. formulated the touchstone as the taxpayer’s _________ motive for the loan guarantees. Did the guarantees protect his ________ (annual pre-tax salary of $12,000) or _______ ($39,000 investment)? Th ...
Financialisation and Greece: another Greek exceptionalism?
... 27% of economically active population: from those 700.000 were (probably are still) stuck in the market, since 67% of them reported loses –often of enormous scale-, 19% reported no losses or gains (in 2001), and only 14% of them reported profits (Kolmer, 2001). Market capitalization which at the mid ...
... 27% of economically active population: from those 700.000 were (probably are still) stuck in the market, since 67% of them reported loses –often of enormous scale-, 19% reported no losses or gains (in 2001), and only 14% of them reported profits (Kolmer, 2001). Market capitalization which at the mid ...
Dealing with debt Introduction
... Looking at per capita GDP growth across countries since 2007, New Zealand’s growth appears to be around the middle of the pack: some advanced countries have ...
... Looking at per capita GDP growth across countries since 2007, New Zealand’s growth appears to be around the middle of the pack: some advanced countries have ...
CAPITAL STRUCTURE ANALYSIS
... Superior to the financial structure leverage ratio because it factors in the adjusted rates of return in the computation An index in excess of one means ROE exceeds ROA; a favorable use of debt financing An index of less than one is bad; ROA exceeds ROE; an unfavorable use of debt financing ...
... Superior to the financial structure leverage ratio because it factors in the adjusted rates of return in the computation An index in excess of one means ROE exceeds ROA; a favorable use of debt financing An index of less than one is bad; ROA exceeds ROE; an unfavorable use of debt financing ...
- cherryFind
... continuing to strengthen our head office and field based support teams, including ongoing use of specialist external auditors and trainers.” “There is a real focus from government and consumer bodies to ensure consumers are treated fairly, especially when it comes to credit and financial services” c ...
... continuing to strengthen our head office and field based support teams, including ongoing use of specialist external auditors and trainers.” “There is a real focus from government and consumer bodies to ensure consumers are treated fairly, especially when it comes to credit and financial services” c ...
risk - Harvard Kennedy School
... API-120 - Prof.J.Frankel Professor Jeffrey Frankel, Kennedy School, Harvard University ...
... API-120 - Prof.J.Frankel Professor Jeffrey Frankel, Kennedy School, Harvard University ...
The UK Housing Market: Measured Decline or Total Collapse?"
... appreciation translates into 0.4 for this year’s, but negative return in last 3 years is negative for prices. Explains overshooting. ...
... appreciation translates into 0.4 for this year’s, but negative return in last 3 years is negative for prices. Explains overshooting. ...
Ratio Analysis, PowerPoint Show
... then becoming more profitable. So becoming (more/less) profitable? ...
... then becoming more profitable. So becoming (more/less) profitable? ...
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.