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Posts Tagged ‘Debt Ratio’

Nine O’Clock

Fund moves up Romania’s inflation target from 3.5 per cent to 7.9 per cent following VAT rise.

Debt Servicing – How to Calculate it

Should UK improve links with Europe?

William Hague is seeking to increase UK influence over the European Union. What are your views on his plans?

What is Your Debt Service Ratio? TDS – Qualifying for a Mortgage

Question: What is the Debt Service Coverage Ratio for Nursing Homes?

Answer: DSC:

On average 1.25.

Cap Rates:

Licensed Skilled Nursing-Long Lerm Care is on average 12.1% and Licensed Skilled Nursing-Subacute Care is on average 12.6%.

Fitch Affirms Global Tower Series 2007-1

CHICAGO—-Fitch Ratings has affirmed and assigned Rating Outlooks for the GTP Towers Issuer, LLC Series 2007-1, commercial mortgages pass-through certificates as follows:

Commercial Real Estate Loans Commercial Mortgages

Question: how do i decrease my debt to income ratio?

I am trying to buy a house and i was told the debt/income ration must be no more than 40% i am at 42%. the only thing i owe is a $25 credit car payment, $393 for a car payment. I make $2626 per month. What should i do?

help!!!!!!
i only hsv $96 dollars owed on my credit card.
this decesion was given with the purchase price being at 174k if he offered to take the price down to $169k and i also qualify for a govt grant of $10k that would bring the price down to $159k. Would this change my det income ratio enough?

Answer: what about rent electric you dont have that

Macquarie Power & Infrastructure Income Fund Announces Fourth Quarter and Fiscal Year 2009 Results

TORONTO, ONTARIO--(Marketwire - 03/02/10) - Macquarie Power & Infrastructure Income Fund (TSX: MPT.UN - News )(TSX: MPT.DB.A - News ) ("MPT" or the "Fund"), which owns and operates essential infrastructure assets, today reported unaudited results for the fiscal year and fourth quarter ended December 31, 2009. "The Fund's operating cash flow in 2009 was lower than in 2008, reflecting outages at ...

Debt to income ratio

The Federal Reserve reported that as of June 30, 2009 downright U.S. debt was $52.8 trillion. Total U.S. debt includes government, corporate and consumer debt. Importantly, however, it does not include a few trillion in “off balance sheet” financing, contingent unfunded pension plans for corporate and state and local governments, or unfunded liabilities of the U.S. dominion for such items as Medicare, Social Security and other programs. Currently GDP stands at $14.2 trillion, so there is approximately $3.73 in debt for every dollar of output in the United States, a level unprecedented in our record. Normally, debt levels as a percent of GDP would be uninteresting and immaterial; however, the present level of obligation is unique in two ways. First, the asset side of the balance sheet purchased by the obligation is falling in price. Second, the cash that was borrowed to purchase those assets was often fraudulently expended. Neither the borrower nor the lender really expected the obligation to be serviced. Rather, each party expected the asset cost to rise extinguishing the debt. This type of lending arrangement was correctly analyzed by the famous American economist Hyman Minsky in his paper, “Financial Instability Hypothesis”, in which he described three phases of debt financing. The first is “hedge finance”, where the lender expects a return on both principal and interest. The second is “speculative finance” where the lender expects to get interest on the loan but perhaps not the principal.

The third case, where the lender expects neither the principal nor interest to be returned, is referred to as “ponzi finance”. This was typified in the last business cycle by loans issued defenseless documentation, no feeling payment home loans, deafening low cap rates on commercial real estate, and the high leverage borrowing ratio of private equity funds. Even ponzi debt works as long as asset prices are rising. But once the bubble is pricked, the debtor is left with declining asset values that preclude the rollover of their obligations. Presently, in this worst of all post-war recessions we are witnessing the collapse of asset prices that were inflated by the speculation of earlier years. The aftermath of that speculation and its impact on the economy has been thoroughly studied prior to our current company cycle by the economists of yesteryear who marveled directly the mania in the collective mindset of private citizens and their elected representatives who produced such bubbles. The most famous of these economists was Irving Fisher (1867-1947), who in 1933 wrote about this problem of over-indebtedness (Irving Fisher, 1933, Econometrica, “The Debt-Deflation Theory of Great Depressions”). He stated flatly that over-indebtedness was the dissimilarity between normal company cycles (recessions), which occur frequently through “over-production, inventory misjudgment, or commodity price fluctuations” and extreme company cycle fluctuations (depressions). Based on his analysis of the great depressions of 1837, 1873, and 1929 he outlined a pattern of economic developments that will take sediment when the obligation cycle is broken. Seemingly old news, but it is interesting to apply his sequence of events to today’s economic developments as there are disquieting similarities.

Teck Reports Second Quarter Results for 2010

VANCOUVER, BRITISH COLUMBIA–(Marketwire – 07/27/10) – All dollar amounts expressed in this news release are in Canadian dollars unless otherwise noted. Teck Resources Limited (TSX: TCK.A – News ) announced quarterly earnings of $260 million, or $0.44 per share, for the second quarter of 2010. Our operating profit before depreciation was approximately $1.0 billion and EBITDA was $844 million in …