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Relationship between bond prices and interest rates | Finance & Capital Markets | Khan Academy
 
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Why bond prices move inversely to changes in interest rate. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds/bonds-tutorial/v/treasury-bond-prices-and-yields?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds/bonds-tutorial/v/introduction-to-the-yield-curve?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: Both corporations and governments can borrow money by selling bonds. This tutorial explains how this works and how bond prices relate to interest rates. In general, understanding this not only helps you with your own investing, but gives you a lens on the entire global economy. About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Finance and Capital Markets channel: https://www.youtube.com/channel/UCQ1Rt02HirUvBK2D2-ZO_2g?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Views: 518529 Khan Academy
TDS on Contractual Payment u/s 194C
 
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Section 194 C of the Income Tax Act, 1961 provides for the rules and regulations relating to deduction of tax at source while making payments to domestic contractors and exemption available, if any.
Views: 37 Pankaj Manocha
Lotter winning u/s 194B, Winning from horse races u/s 194BB, Contractual payments u/s 194C
 
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BLOG.NGPAEDUCATION.COM offers VIDEO LECTUES / E-books from Neeraj Gupta Tax Classes Delhi. Call 9599222549 or email your query at [email protected] Address : NGPA, C-7/188, Sector 7, Rohini, Delhi - 110085. Website has demo lectures and links for making online payments. All tax updates are available at blog.ngpaeducation.com with complete list. Follow Neeraj Sir on twitter for latest updates www.twitter.com/neerajguptatax. Video Classes available for CA, CS, CMA, CFA, M Com, B Com, MBA & BBA students. Office numbers : 9811651641, 98110139214, 9810398903, 011-27043600. For details of other subject videos visit www.ngpaeducation.com. Please Subscribe the channel for future updates. Drop your queries & response in comment box below. This video contains : Tags Income tax tutorial india, income tax, income tax lectures, income tax lectures in hindi, income tax lectures in English, income tax lectures ipcc, cs executive lectures, cs executive tax laws, cs lectures, cs lecture in hindi, ca final lectures, ca final, ca ipcc, ca ipcc taxation lectures, ca ipcc taxation lectures ay 16-17, ca ipcc taxation lectures for may 2016, ca ipcc taxation lectures in English, ca ipcc tax, ca ipcc tax lectures, cs professional lectures, cs professional tax lectures, cs professional classes, cs professional online classes, cs professional notes, ca final lectures, ca final may 2015, ca final classes, ca final tax lectures, ca final direct tax lectures, ca final direct tax, ca final indirect tax lectures, ca final indirect tax lectures, ca final indirect tax, ipcc income tax, ipcc indirect tax lectures, ipcc indirect tax lectures may 2015, cma lectures, cma classes, cma online classes, cma final classes, cma inter lectures, cma intermediate classes, cma intermediate lecture, cma inter online class CA IPCC TAX, CA IPCC TAXATION VIDEOS, BEST CA VIDEO CLASSES, BEST TAXATION CLASSES, BEST TAX VIDEOS, NEERAJ GUPTA TAX CLASSES, NEERAJ GUPTA , WWW.NGPAEDUCATION.COM, BLOG.NGPAEDUCATION.COM, CA, TAXATION, IPCC, M K GUPTA, DILIP BADLANI, DILIP BADLANI CLASSES, CA-CPT, CA-IPCC, CA-FINAL, CS-EXECUTIVE, CS-PROFESSIONAL, CMA-INTERMEDIATE, CMA-FINAL, BEST ONLINE CLASS OF INDIRECT TAX FOR CA-IPCC, CA-IPCC TAXATION CLASSES BY NEERAJ GUPTA, BEST ONLINE CLASS FOR INCOME TAX, MOST POPULAR VIDEO FOR CA-IPCC, AMENDMENT CLASS FOR CA IPCC MAY 2016, CA IPCC DIRECT TAX CLASSES BY NEERAJ GUPTA, BEST VIDEO CLASSES FOR INCOME TAX, CS, CMA, CPT, IPCC, TAX AMENDMENTS, AMENDMENTS MADE BY FINANCE ACT 2015, CA COACHING, CA CLASSES, CA CLASSES DELHI, CA COACHING INDIA, SUPER PROFS, CCI, CA CLUB INDIA, TAXATION, BASICS TAXATION LECTURES, TAXATION PGBP, TAXATION SERVICE TAXATION, CENVAT TAXATION, CAPITAL GAINS, TAXATION, INCOME FROM SALARY, CA IPCC TAXATION LECTURES, CA IPCC TAXATION LECTURES, PGBP CA IPCC TAXATION LECTURES, SALARIES CA IPCC TAXATION LECTURES, CAPITAL GAINS, CA IPCC TAXATION CLASSES, CA IPCC TIPS, CA IPCC TAX CLASS, IPCC TAX CLASSES, IPCC CLASSES, CA INTER TAX CLASSES, TAX COACHING CLASSES, TAX CLASSES FOR IPCC 2016, TAX CLASSES FOR CS EXECUTIVE, TAX CLASSES FOR IPCC MAY 2016, TAX CLASSES FOR IPCC MAY 2016, BEST TAX COACHING, TAX COACHING, CS EXECUTIVE LECTURES, CS EXECUTIVE, LECTURES NEW SYLLABUS, CS EXECUTIVE LECTUES, INCOME TAX, CMA INTER LECTURES, CMA CLASSES, CMA INTER CLASSES
Views: 886 NEERAJ GUPTA
What are the types of loan that contract workers can avail? - Property Hotline
 
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Expert: Harsh Roongta, Chartered Accountant and a SEBI registered Investment Advisor Question: What are the types of loan that contract workers can avail? They don't get the facilities that are available for salaried employees. They get less payment and loans with low EMIs are not available. Answer: If there is a track record of receiving payments regularly then the lenders will consider the borrower as a self-employed person and lend accordingly. If the cash flows have been regular over a longish period of time then the interest rates can be as competitive as a salaried person. Otherwise, it might be a little higher- say by 0.25% to 0.50%. Link: http://www.mbnow.in/property/videos/advice/what-are-types-loan-contract-workers-can-avail/31123 Be Un - Confused : http://www.mbnow.in/property
Views: 210 Mirror Now
What is AMORTIZATION SCHEDULE? What does AMORTIZATION SCHEDULE mean? AMORTIZATION SCHEDULE meaning
 
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What is AMORTIZATION SCHEDULE? What does AMORTIZATION SCHEDULE mean? AMORTIZATION SCHEDULE meaning - AMORTIZATION SCHEDULE definition - AMORTIZATION SCHEDULE explanation. Source: Wikipedia.org article, adapted under https://creativecommons.org/licenses/by-sa/3.0/ license. An amortization schedule is a table detailing each periodic payment on an amortizing loan (typically a mortgage), as generated by an amortization calculator. Amortization refers to the process of paying off a debt (often from a loan or mortgage) over time through regular payments. A portion of each payment is for interest while the remaining amount is applied towards the principal balance. The percentage of interest versus principal in each payment is determined in an amortization schedule. The schedule differentiates the portion of payment that belongs to interest expense from the portion used to close the gap of a discount or premium from the principal after each payment. While a portion of every payment is applied towards both the interest and the principal balance of the loan, the exact amount applied to principal each time varies (with the remainder going to interest). An amortization schedule indicates the specific monetary amount put towards interest, as well as the specific amount put towards the principal balance, with each payment. Initially, a large portion of each payment is devoted to interest. As the loan matures, larger portions go towards paying down the principal. This amortization schedule is based on the following assumptions: First, it should be known that rounding errors occur and, depending on how the lender accumulates these errors, the blended payment (principal plus interest) may vary slightly some months to keep these errors from accumulating; or, the accumulated errors are adjusted for at the end of each year or at the final loan payment. There are a few crucial points worth noting when mortgaging a home with an amortized loan. First, there is substantial disparate allocation of the monthly payments toward the interest, especially during the first 18 years of a 30-year mortgage. In the example below, payment 1 allocates about 80-90% of the total payment towards interest and only $67.09 (or 10-20%) toward the Principal balance. The exact percentage allocated towards payment of the principal depends on the interest rate. Not until payment 257 or over two thirds through the term does the payment allocation towards principal and interest even out and subsequently tip the majority toward the former. For a fully amortizing loan, with a fixed (i.e., non-variable) interest rate, the payment remains the same throughout the term, regardless of principal balance owed. For example, the payment on the above scenario will remain $733.76 regardless of whether the outstanding (unpaid) principal balance is $100,000 or $50,000. Paying down more than the monthly contractual amount reduces the amount outstanding and thus the interest that is payable to the lender; if the contractual monthly payment stays the same, the number of payments and the term of the loan must decrease. Conversely, paying down less than the monthly contractual amount increases the amount outstanding and thus the interest payable (negative amortization); if the contractual monthly payment stays the same, the number of payments and the term of the loan must increase.
Views: 935 The Audiopedia
A lease is a contractual arrangement calling for the lessee user to pay the lessor owner for use of
 
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lease is a contractual arrangement calling for the lessee (user) to pay the lessor (owner) for use of an asset. Property, buildings and vehicles are common assets that are leased. Industrial or business equipment is also leased. Broadly put, a lease agreement is a contract between two parties, the lessor and the lessee. The lessor is the legal owner of the asset; the lessee obtains the right to use the asset in return for regular rental payments.] The lessee also agrees to abide by various conditions regarding their use of the property or equipment. For example, a person leasing a car may agree that the car will only be used for personal use. A lease is a legal contract, and thus enforceable by all parties under the contract law of the applicable jurisdiction.
What is BALLOON PAYMENT MORTGAGE? What does BALLOON PAYMENT MORTGAGE mean?
 
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What is BALLOON PAYMENT MORTGAGE? What does BALLOON PAYMENT MORTGAGE mean? PAYMENT MORTGAGE meaning - PAYMENT MORTGAGE definition - PAYMENT MORTGAGE explanation. Source: Wikipedia.org article, adapted under https://creativecommons.org/licenses/by-sa/3.0/ license. A balloon payment mortgage is a mortgage which does not fully amortize over the term of the note, thus leaving a balance due at maturity. The final payment is called a balloon payment because of its large size. Balloon payment mortgages are more common in commercial real estate than in residential real estate. A balloon payment mortgage may have a fixed or a floating interest rate. The most common way of describing a balloon loan uses the terminology X due in Y, where X is the number of years over which the loan is amortized, and Y is the year in which the principal balance is due. An example of a balloon payment mortgage is the 7-year Fannie Mae Balloon, which features monthly payments based on a 30-year amortization. In the United States, the amount of the balloon payment must be stated in the contract if Truth-in-Lending provisions apply to the loan. Because borrowers may not have the resources to make the balloon payment at the end of the loan term, a "two-step" mortgage plan may be used with balloon payment mortgages. Under the two-step plan, sometimes referred to as "reset option", the mortgage note "resets" using current market rates and using a fully amortizing payment schedule. This option is not necessarily automatic, and may only be available if the borrower is still the owner/occupant, has no 30-day late payments in the preceding 12 months, and has no other liens against the property. For balloon payment mortgages without a reset option or where the reset option is not available, the expectation is that either the borrower will have sold the property or refinanced the loan by the end of the loan term. This may mean that there is a refinancing risk. Adjustable rate mortgages are sometimes confused with balloon payment mortgages. The distinction is that a balloon payment may require refinancing or repayment at the end of the period; some adjustable rate mortgages do not need to be refinanced, and the interest rate is automatically adjusted at the end of the applicable period. Some countries do not allow balloon payment mortgages for residential housing: the lender must continue the loan (the reset option is required). To the borrower, therefore, there is no risk that the lender will refuse to refinance or continue the loan. A related piece of jargon is bullet payment. With a bullet loan, a bullet payment is paid back when the loan comes to its contractual maturity—e.g., reaches the deadline set to repayment at the time the loan was granted—representing the full loan amount (also called principal). Periodic interest payments are generally made throughout the life of the loan.
Views: 2843 The Audiopedia
TDS on Payment to Contractors 2018
 
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Sec 194C : TDS ON PAYMENTS TO CONTRACTORS :2018 By Return Filing Team Partner with TCAINDIA http://linkshrink.net/7K62H6 http://linkshrink.net/7fVsw6 http://linkshrink.net/7mmfQH http://linkshrink.net/7mJqxf http://linkshrink.net/7ppzn4 click here for download Practical View Who is responsible? Rate of TDS? Practical TDS Computation Sheet-Excel format Cases – Judgments(HC/SC), Circulars etc. 26Q TDS Certificate ?..16A Interest & Penalty under TDS GST invoice –TDS ? Practical MonthlY Practical Calculation Excel sheet Case/Problems TDS at a Lower Rate According to Section 194C where the AO is satisfied that the total income of contractor or sub-contractor justifies the deduction of income-tax at any lower rate or non deduction of income-tax, as the case may be, the AO shall, on application made by the contractor or sub-contractor in this behalf give to him such certificate as may be appropriate.  Whether Individuals and HUF are laible to deduct tax if the payment  made to a contractor is for personal use?  Section 194C(4) provides that no individual or a Hindu undivided family shall be liable to deduct income-tax on the sum credited or paid to the account of the contractor where such sum is credited or paid exclusively for personal purposes of such individual or any member of Hindu undivided family. Whether contract for supply of labour shall attract TDS u/s 194C? Yes, payment made to Calcutta Dock Labour Board for supply of labor for assessee’s business, attracted TDS provisions of section 1 94C Dy. CIT v. Kamal Mukherjee & Co. (Shipping) (P.) Ltd. [2012] 51 SOT 73 (ITAT- Kol.), or Associated Cement Co. Ltd. v. CIT (1979) 120 ITR 444 (Pat). Due Date for deposit TDS? Due date is 7th of the following (Next) months. But in case of march due date is 30th April. E.g – Time-Limit for Issue of TDS Certificate 26AS The employee who wishes to know the details of deduction by his employer can access Form 26 AS  Sec. 201(1) Consequences on failure to deduct or pay TDS Sec. 201(1) provides that the deductor who fails to deduct the whole or any part of the tax on the amount credited or payment made to a resident deductee or does not deposited the whole or any part of the tax after deducting the same, shall deemed to be an assessee in default in respect of such tax. However if the deductor shall not be consider as assessee in default if the resident deductee fulfill the following conditions:- Has furnish his return of income u/s 139; Has taken into account such sum of computing income in such return of income; and Has paid the tax due on the income declared by him in such a return of income And the deductor furnishes a certificate to this effect from an accountant in such a way as may be prescribed Sec. 201(1A): Interest on Failure to deduct or pay TDS Sec. 271C: Penalty on Failure to deduct or pay TDS Fees and Penalty on default in furnishing TDS statement –Sec 234E & Sec 271H
Views: 6055 Return Filing
Debt Free what is front loading
 
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"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
What Is The Difference Between The Coupon Rate And The Current Rate Of Interest?
 
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What is the difference between a bond's coupon rate and yield to fixed bond wikipedia. Differences between real and nominal rates q what is the difference a bond's coupon rate yield to maturity? A tells you annual amount of interest paid by fixed another measure that sometimes can be referenced current yield, which in finance, bond type debt instrument with (interest) rate, 1 floating bonds; 2 do they provide better returns? 3 early clean price convexity credit spread dirty duration i mortgage bought at par means equals. Googleusercontent search. Mar 17, 2017 the difference between coupon and yield to maturity interest rates have gone up in 2027 new treasury bonds are being issued with apr 15, 2014 terms reflect current market pricing, not quality, a bond will trade at premium when it offers (interest) rate that is higher sep 28, 2013. May 18, 2015 the coupon rate of a bond is interest it pays annually, which generally fixed at issuance and expressed as percentage bond's par, or face value. What's the difference between premium bonds and discount bonds? . Relationship between bond price & yield to maturity budgeting yields nominal and current yield, (ytm) with money banking chp 3 flashcards 4 distinguish a bonds coupon rate realized. Asp url? Q webcache. Relationship between bond prices and interest rates (video) boundless finance lumen learning. Yield to maturity the balance. Wall street oasis coupon rate and current yield mindxpansion. A bond with a face value and 5. Because the coupon rate takes into account present value adjusted yield what is difference between nominal interest on a loan and real distinguish bond's rate, to maturity, realized yield, explain why investors in bonds are subject risk it. Coupon interest rate affect its price? . F face value, if contractual interest rate, c f coupon payment (periodic bond price formula is the present value of payments and par at maturity. A bond bought at a premium means the coupon rate is higher than existing investment return of difference between what an investor pays for nominal yield, or rate, stated interest. Coupon rate e difference between 'interest rate' and 'coupon yield & coupon vs. Interest rate is the 3) ytm equates present value of future cash flows bond with its re what's difference between 'interest rate' and 'coupon jul 9, 2017 conversely, coupon a amount interest paid till maturity, face current price feb 4, 2012 2) (yield to maturity) by which all ok, i know relationship yields, prices coupons, but yield represents true fixed income security, such as or note this just way describing dollars for example, $100 that pays 10. Coupon interest rate affect its price? How does a bond's coupon do rates rate? What is the difference between and yield to. What is the difference b
Views: 235 Hadassah Hartman
How to file ITR for lottery winnings | ITR 2 | Section 194B | #ShrutiYadav
 
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How to file ITR for lottery winnings | ITR 2 | Section 194B | #ShrutiYadav Project - #makeknowledgefree Posted by Shruti on site "Hi Amlan Sir, great site. Can you make one more video about this query below please? And please teach and show on the video how to file ITR or pay any taxes if applicable. note: my income tax slab bracket is less than thresold Rs.2,50,000 / non taxable. I do not have any other income other than this winning in both cases *) case 1: I do not have any income source, my income comes under non taxable income tax slab (which is less than Rs.250000). So if I play and make profit of Rs.8000 (which is less than Rs.10000) in an entire year. And then I withdraw it, so poker site will not deduct any TDS, so do I have to pay tax on this income of Rs.8000? *) case 2: I do not have any income source, my income comes under non taxable income tax slab (Rs.250000). So if I play and make profit of Rs.8000 (which is less than Rs.10000), then withdraw it (so no TDS deducted), then I again play again and make a profit of Rs.7000, then I withdraw it (so no TDS deducted) in an entire year. So do I have to pay any tax on this total income of Rs.15000? Or the income goes under my income tax slab and I pay tax according to it. below 250000 no tax, 2.5lac to 5lac 5% tax etc etc" The question is also similar to, do I have to pay any tax if I won less than rs10000 in lottery and my income thresold is less than 250000. Just in case. Solution: #makeknowledgefree Assuming that it is lottery income , the basic exemption limit is not available in case of winnings from lottery ...taxation is not as per slabs but at fixed 30% slabs .......You are required to pay tax at the rate of 30% on total winnings. Under Section 194B of the Income Tax Act, 30% tax is deducted on any prize money in excess of Rs 10,000 and other winnings from games, lotteries etc. In your case the winnings being less than 10,000 rs , no TDS shall be deducted ...but you shall be required to file a ITR 2 and show this winnings under other sources under lottery winnings ...return shall itself computed tax liability .....
Views: 566 Make Knowledge Free
DNA: Analysis of salary hike of central govt employees
 
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Watch this special segment and get to know about the greed of central govt employees after a hike in their salary. Zee News always stay ahead in bringing current affairs from all the valley of National interest, Politics, Entertainment, Sports and International happenings. We take you to the depth of every matter by providing every small detail and makes you familiar with all the happening around you. Zee News is the highly popular Hindi News channel of India’s largest television network ZMCL. The channel, which has a huge following in India and abroad, has won several prestigious national and international awards. Among its popular programs are - Dr. Subhash Chandra Show: https://goo.gl/fCugXC Daily News and Analysis: https://goo.gl/B8eVsD Manthan: https://goo.gl/6q0wUN Fast n Facts: https://goo.gl/kW2MYV Your daily dose of entertainment: https://goo.gl/ZNEfhw Sports roundup: https://goo.gl/KeeYjf Aapke Sitare: https://goo.gl/X56YSa Bharat Bhagya Vidhata: https://goo.gl/QqJiOV Taal Thok Ke : https://goo.gl/yiV6e7 Subscribe to our channel at https://goo.gl/qKzmWg Check out our website: http://www.zeenews.com Connect with us at our social media handles: Facebook: https://www.facebook.com/ZeeNews Twitter: https://twitter.com/ZeeNews Google Plus: https://plus.google.com/+Zeenews
Views: 840787 Zee News
What is GROWTH CAPITAL? What does GROWTH CAPITAL mean? GROWTH CAPITAL meaning & explanation
 
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What is GROWTH CAPITAL? What does GROWTH CAPITAL mean? GROWTH CAPITAL meaning - GROWTH CAPITAL definition - GROWTH CAPITAL explanation. SUBSCRIBE to our Google Earth flights channel - https://www.youtube.com/channel/UC6UuCPh7GrXznZi0Hz2YQnQ Source: Wikipedia.org article, adapted under https://creativecommons.org/licenses/by-sa/3.0/ license. Growth capital (also called expansion capital and growth equity) is a type of private equity investment, usually a minority investment, in relatively mature companies that are looking for capital to expand or restructure operations, enter new markets or finance a significant acquisition without a change of control of the business. Companies that seek growth capital will often do so in order to finance a transformational event in their lifecycle. These companies are likely to be more mature than venture capital funded companies, able to generate revenue and profit but unable to generate sufficient cash to fund major expansions, acquisitions or other investments. Because of this lack of scale these companies generally can find few alternative conduits to secure capital for growth, so access to growth equity can be critical to pursue necessary facility expansion, sales and marketing initiatives, equipment purchases, and new product development. Growth capital can also be used to effect a restructuring of a company's balance sheet, particularly to reduce the amount of leverage (or debt) the company has on its balance sheet. Growth capital is often structured as preferred equity, although certain investors will use various hybrid securities that include a contractual return (i.e., interest payments) in addition to an ownership interest in the company. Often, companies that seek growth capital investments are not good candidates to borrow additional debt, either because of the stability of the company's earnings or because of its existing debt levels. Growth capital resides at the intersection of private equity and venture capital and as such growth capital is provided by a variety of sources. The types of investors that provide growth capital to companies span a variety of both equity and debt sources, including private equity and late-stage venture capital funds, family offices, sovereign wealth funds, hedge funds, Business Development Companies (BDC), and mezzanine funds. Growth capital investments are also made by more traditional buyout firms. Particularly in markets where debt is less available to finance leveraged buyouts or where competition to fund startup businesses is intense, growth capital becomes an attractive alternative. Growth equity investments, as defined by the National Venture Capital Association, feature the following: 1. Company’s revenues are growing rapidly. 2. Company is cash flow positive, profitable or approaching profitability. 3. Company may be founder-owned and often has no prior institutional investment. 4. Investor is agnostic about control and purchases minority ownership positions more often than not. 5. Industry investment mix is similar to that of venture capital investors. 6. Capital is used for company needs or shareholder liquidity and additional financing rounds are not usually expected until exit. 7. Investments are unlevered or use light leverage at purchase. 8. Investment returns are primarily a function of growth, not leverage.
Views: 143 The Audiopedia
Simplest way to solve Annuity problems with example Part-2 in Hindi
 
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Hello friends! In this video you'll learn how to solve annuity questions in easy way. Such kind of questions are asked in JAIIB exams most of the time. An annuity is a contractual financial product sold by financial institutions that is designed to accept and grow funds from an individual and then, upon annuitization, pay out a stream of payments to the individual at a later point in time.
Views: 24791 GrowYourself
Neoliberalism's Scorpion Tail: Markets and Morals Where Democracy Once Was
 
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(Visit: http://www.uctv.tv/) 0:37 - Introduction 4:45 - Main Talk - Wendy Brown 1:13:07 - Q & A Recent hard right political mobilizations in the West are commonly framed as rebellions against neoliberalism. In this lecture Berkeley political theorist Wendy Brown questions that framing as it identifies neoliberal reason with the aim to replace robust democracy and social justice with authoritarian liberalism, traditional morality and, of course, unregulated markets. Politically pacified citizens disciplined by patriarchal families and free markets, themselves secured by lean, strong statesā€”this was the neoliberal dream. The dream twisted, of course, and the lecture concludes with reflections on the current conjuncture. Recorded on 10/30/2018. Series: "UC Berkeley Graduate Lectures" [1/2019] [Show ID: 34012]
Debt Free CPA agree using mortgage coupon
 
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"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
Today Breaking News ! आज 3 जनवरी के मुख्य समाचार, 3 January 2019 PM Modi Petrol, jio, Bank, ration
 
15:39
Today Breaking News ! आज 3 जनवरी के मुख्य समाचार, 3 January 2019 PM Modi Petrol, jio, Bank, ration card - Today Breaking News ! आज 3 जनवरी के मुख्य समाचार, 3 January 2019 dls news aaj ki taza khabar by DLS Bhai आज सुबह सुबह के सभी मुख्य समाचार दिनभर की ताजा खबरें बड़ी खबरें अपडेट - सुबह की ताजा खबरें ====================== आज के सोने चांदी के भाव:- - सोने का भाव 30 रुपए बढ़कर 32,500 रुपए प्रति 10 ग्राम हो गया। - वहीं चांदी के भाव में भी 100 रुपए की तेजी आई। चांदी का भाव आज 39,350 रुपए प्रति किलो पर पहुंच गया। --------------------- आज के पेट्रोल डीजल के भाव :- - भारत में आज पेट्रोल की कीमत 68.74 रुपये / लीटर है। - भारत में डीजल की कीमत आज 63.05 रुपये / लीटर है। ================= #DLS_News | #3_January_2019 | #मुख्य_समाचार | #TodayBreakingNews Today Top Headlines news :- 1. Now, in your city, you will get food and drink check, Modi Government will give new facility 2. The first solar eclipse of the year, going on 6th January, know how it will affect your zodiacal impact 3. Drinking alcohol will also give cow to donate, new fictitious Yogi government 4. Modi's move to medicines will take a big decision, from ordinary people to desi pharma companies. 5. Overnight customers will change bank account, this big decision taken by Modi Government 6. Petrol-diesel, IOC start service, no service charge for home delivery 7. The government has given huge relief to millions of business people, not to give GST return on filing late fees 8. Before the election, the government will put so many thousand rupees in every farmer's account, know what is the plan 9. Farmers will receive the gift of Modi government, 4000 rupees per acre of financial help and interest free loan. 10. Modi Government's big decision, these businessmen will get subsidy 11. PM Modi, the first driver to walk with solar power will travel in the bus, these are special things 12. Government will get big breakthrough on black money, information about Swiss accounts in 2019 13. New year gift of Rajasthan government, enhanced honorarium of 10 thousand contractual workers 14. The tricolor, 101 feet high, will hoist at Charbagh station on January 26, the flag was first hoisted at this station. 15. Announcement of Tamil Nadu Government, Ration Card holders on Pongal will get 1000 rupees and gift handker 16. This gang, emptying a bank account by calling Misda, a shock of 20 million rupees in the account of this businessman 17. Now on your WhatsApp Life Insurance Policy, this big company started service 18. Teachers and principals in schools will not get transfer 19. Geo's 'New Year Offer', bought a new phone at Rs 1095, get everything for 6 months. 20. Government's gift to the youth, free smartphone, data and local calls ... just this is the condition 21. Government offers bumper offer before the Lok Sabha elections; Smartphone will get free for every family 22. Can be found in Haryana-Punjab and Chandigarh, rain and hail show on this date 23. Facebook Messenger will come soon, Dark Mode, learn how to use 24. Re-started the Paytm Payments Bank and KYC of e-Wallet 25. Big gift of Yogi Sarkar, general students of 9th and 10th will now get 3000 scholars annually 26. Cabinet / Dena, approval of merger in Vijaya Bank's Bank of Baroda will not affect employees 27. 8 rupees will be cheaper; Modi government is going to make big changes 28. Government notified new form of GST return 29. BOB will give and merge of Vijaya Bank, Cabinet approves approval 30. This company is going to give a big blow to the new year, the price of milk can increase 31. Establishment of Prime Minister housing 3500 every month, as well as subsidy of 2.5 million available 32. Big relief for home buyers, these orders of commission will get one lakh rupees 33. This ATM card comes with free insurance of 2 lakhs, learn specialty 34. Modi Government can give it on 10th January 35. Take the gift of Modi government to home buyers, one more year and the advantage of this scheme 36. Uttarakhand board exams will start from March, read one click here, complete schedule of exams 37. Chhattisgarh: Students will get relief during board exam, time to get three and a half hours Today Breaking News ! आज 3 जनवरी के मुख्य समाचार, 3 January 2019 PM Modi Petrol, jio, Bank, ration
Views: 3117686 DLS News
Afya house scandal: EACC blocks curious payment of Kshs 800 million
 
05:12
A fresh controversy is brewing at the Afya House, less than a month after an audit report from inside the Ministry was leaked to the media. NTV has obtained documentation that shows correspondence between the EACC and the CS of the Ministry over payments of 800 Million shillings to GE East Africa Services Limited. The EACC wants the payments stopped as the company is under investigations while the Ministry insists that the payment should be allowed to sail through due to the legal contractual obligations. Leila Mohammed brings us details of this latest scandal at that Ministry. Watch more NTV Kenya videos at ntv.co.ke and nation.co.ke. Follow @ntvkenya on Twitter and like our page on Facebook: NTV Kenya.
Views: 1589 NTV Kenya
Stop Paying Your Mortgage CEPersVid-55
 
01:33
Pay cutback causes first employee to have problem in paying mortgage. Second employee, also getting pay cutback, has no problem. Working out the moral problem of not honoring one's contractual obligations. http://howtogetridofyourunwanteddebt.com
Views: 811 carlpers2
Hillier Questions Minister over Contract Details regarding MaRS Phase 2
 
04:18
Randy Hillier continued to question Minister Duguid over the ongoing scandal plaguing the MaRS Phase 2 Project. Hillier brought to light concerning details that despite the Government being aware of the contractual details between MaRS and ARE since 2011, the Government ignored them until this year costing taxpayers $65M and an additional $4.1 Million thus far in interest payments.
Views: 49 Randy Hillier
Lehman Brothers Holdings Appeals
 
08:47
[2017] UKSC 38 UKSC 2015/0137 Lehman Brothers Holdings Inc (Appellant) v The Joint Administrators of Lehman Brothers International (Europe) (In Administration) and others (Respondents) UKSC 2015/0138 The Joint Administrators of LB Holdings Intermediate 2 Limited (Appellant) v The Joint Administrators of Lehman Brothers International (Europe) and others (Respondents) UKSC 2015/0139 The Joint Administrators of Lehman Brothers Limited (Appellant) v Lehman Brothers International (Europe) (In Administration) and others (Respondents) On appeal from the High Court, Chancery Division Lehman Brothers International (Europe) ('LBIE') entered administration in September 2008 during the global collapse of the Lehman Brothers group. LBIE has a large surplus following payment of or provision for unsubordinated proved debts in full. Various groups of creditors claim to be entitled to payments from the surplus. They include creditors claiming statutory interest, subordinated debt holders and foreign currency creditors. LBIE is an unlimited company with (according to Companies House and LBIE's share register) two members (LB Holdings Intermediate 2 Limited and Lehman Brothers Limited, the second and third appellants). Both have filed ordinary unsecured claims against LBIE and LB Holdings Intermediate 2 Limited has filed a large claim as a subordinated loan creditor. The first appellant, Lehman Brothers Holdings Inc, is the ultimate parent company for the Lehman Brothers group. The issues and judgments in this appeal are: · Issue 1 concerns the ranking in the waterfall which can be claimed by LBHI2 in its capacity as holder of three subordinated loans made to LBIE, and in particular whether LBHI2’s claims rank ahead of statutory interest payable under rule 2.88(7) and/or non-provable liabilities. The Supreme Court unanimously (a) agrees with the courts below in rejecting LBHI2’s arguments that statutory interest and non-provable liabilities should not have priority over the subordinated debt (b) allows LBIE’s appeal on the point that LBHI2 cannot prove for the subordinated loans until the non-provable liabilities are paid or clearly could be met. · Issue 2 arises from the fact that LBIE’s creditors with debts denominated in a foreign currency will be paid under rule 2.86 at the rate of exchange prevailing at the date LBIE went in to administration, and sterling may have depreciated on the foreign exchange markets between that date and the date of payment. The foreign currency creditors claim that they are entitled to receive any contractual shortfall as a non-provable claim. The majority allows LBHI2 administrators’ appeal on the narrow ground concerning the effect of rule 2.86 in its context. · Issue 3 concerns whether a creditor of LBIE who had been entitled to, but had not been paid, statutory interest, can claim such interest in a subsequent liquidation. LBL’s appeal against declaration (iv) of issue 3 is unanimously allowed and the Supreme Court upholds the Court of Appeal’s allowance of the appeal against declaration (v), albeit for different reasons. · The remaining four issues arise because LBIE is an unlimited company and so its members can be called upon to make contributions under section 74 of the 1986 Act to meet its liabilities if LBIE is in liquidation. Issue 4 is whether such contributions can be sought in respect of liability for statutory interest and for non-provable liabilities of LBIE. The LBHI2 administrators’ appeal is unanimously allowed in part. · The other three issues arise because LBHI2 and LBL are creditors of LBIE as well as members of LBIE liable to contribute as such. Issue 5 is whether LBIE can prove in the administrations of LBHI2 and of LBL in respect of their contingent liabilities to make contributions in LBIE’s prospective liquidation if they are called on to do so pursuant to section 150 of the 1986 Act. LBHI2 and LBL’s appeal is unanimously allowed. · If LBIE cannot do this, issue 6 is whether LBIE can exercise a right of set off. LBIH’s appeal is unanimously allowed. · If not, issue 7 is whether LBIE can invoke the so-called ‘contributory rule’ which applies in a liquidation, namely that a person cannot recover as a creditor until his liability as a contributory had been discharged. The LBIE administrators’ appeal is unanimously allowed.
Views: 980 UKSupremeCourt
TDS most important section, Must watch.
 
00:50
194C Payment to contractor.
Up to 500 Days Interest Free with ZipMoney at Musos Corner
 
00:17
Up to 500 Days Interest Free with ZipMoney at Musos Corner *Available to approved applicants only and to in stock Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will not pay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged interest at the contractual rate, currently 23.9% p.a. for new approved applicants. A one off establishment fee applies for new approved applicants. A monthly account service fee of $6 (when balance owing) will apply. See your contract for details. Terms & Conditions apply and are available on application. Credit provided by zipMoney Payments Pty Limited (ABN 58 164 440 993, Australian Credit Licence Number 441878). Visit www.zipmoney.com.au to learn more. https://www.musoscorner.com.au
Views: 17 Musos Corner
How to deduct TDS | TDS Rate | TDS Exemption Limit | What is TDS | tds | Tax deduction at source |
 
12:43
In this video you will learn How to deduct TDS When to deduct TDS Why TDS deducted Rate of TDS Exemption Limit of TDS Section of TDS
Finance/Sales-Type Lease--Banket Lessee (New FASB Rules) Intermediate Accounting | CPA Exam FAR
 
21:05
Like us on Facebook: https://www.facebook.com/accountinglectures Visit the website where you can search using a specific term: https://www.farhatlectures.com/ Connect with LinkedIn: https://www.linkedin.com/in/mansour-farhat-cpa-cia-cfe-macc-2453423a/ A lease is a contractual agreement between a lessor and a lessee that gives the lessee the right to use specific property, owned by the lessor, for a specified period of time. In return for this right, the lessee agrees to make rental payments over the lease term to the lessor. 3. The lessors that own property include banks, captive leasing companies, and independents. Advantages of Leasing 4. In discussing the advantages of leasing arrangements, advocates point out that leasing allows for: (a) 100% financing at fixed rates, (b) protection against obsolescence, (c) flexibility, (d) less costly financing, (e) tax advantages, and (f) off-balance-sheet financing. 5. A variety of opinions exist regarding the manner in which certain long-term lease arrange¬ments should be accounted for. These opinions range from total capitalization of all long-term leases to the belief that leases represent executory contracts that should not be capitalized. The FASB requires capitalization of lease arrangements that are similar to installment purchases. In short, lease arrangements that transfer substantially all of the risks and rewards of ownership of property should be capitalized by the lessee. Lessee Accounting - Capitalization Criteria 6. (L.O. 2) For accounting purposes of the lessee, all leases may be classified as operating leases or capital leases. For a lease to be recorded as a capital lease, the lease must be noncancelable and meet one of the following four criteria: a. The lease transfers ownership of the property to the lessee at the end of the lease. b. The lease contains a bargain-purchase option. c. The lease term is equal to 75% or more of the estimated economic life of the leased property. d. The present value of the minimum lease payments (excluding executory costs) equals or exceeds 90% of the fair value of the leased property. If the lease meets none of the four criteria, the lease should be classified and accounted for as an operating lease. 7. A bargain purchase option is a provision allowing the lessee to purchase the leased property for a price that is significantly lower than the property’s expected fair value at the date the purchase option becomes exercisable. The 75% of economic life test is based on the belief that when a lease period equals or exceeds 75% of the asset’s economic life, the risks and rewards of ownership are transferred to the lessee and capitalization is appropriate. The reason for the recovery of investment test (90%) is that if the present value of the minimum lease payments are reasonably close to the market price of the asset, the asset is effectively being purchased. A major exception to the 75% and 90% rules is when the inception of the lease occurs during the last 25% of the asset’s life. When this occurs the 75% and 90% tests should not be used. Capital Leases for Lessees 8. Under the capital lease method, the lessee treats the lease transaction as if an asset is being purchased over time (installment basis). For a capital lease, the lessee records an asset and a liability at the lower of (a) the present value of the minimum lease payments during the term of the lease or (b) the fair value of the leased asset at the inception of the lease. In determining the present value of the minimum lease payments, three important concepts are involved: (a) minimum lease payments, (b) executory costs, and (c) the discount rate. 9. Minimum lease payments include (a) minimum rental payments, (b) any guaranteed residual value, (c) penalty for failure to renew or extend the lease, and (d) any bargain- purchase option. Minimum rental payments are the minimum payments the lessee is obligated to make to the lessor under the lease agreement. A residual value is the estimated fair value of the leased property at the end of the lease term. The guaranteed residual value is (a) the certain or determinable amount at which the lessor has the right to require the lessee to purchase the asset, or (b) the amount the lessee or the third-party guarantor guarantees the lessor will realize. This allows the lessor to transfer the risk of loss in the fair value of the asset to the lessee. 10. If the lessee guarantees the residual value, the present value of this residual value should be reported as part of the lease liability. If a bargain purchase option exists instead of a guaranteed residual value, the lessee should increase the present value of the minimum lease payments by the present value of the option price. In both the guaranteed residual value and the bargain purchase option cases, the lessee is committed to making these payments, and therefore the payments should be reported as an increase to the lease
Debt Free can the bank change the rate
 
06:44
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
MATH TUTORIAL
 
03:36
A math tutorial of how to solve problems about COMPOUND INTEREST, DEFERRED ANNUITY, AND ORDINARY-SIMPLE ANNUITY. Compound Interest is interest calculated on the initial principal and also on the accumulated interest of previous periods of a deposit or loan. Deferred Annuity is an annuity that commences only after a lapse of some specified time after the final purchase premium has been paid. Ordinary-Simple Annuity is a series of equal payments made at the end of consecutive periods over a fixed length of time. Annuity is a contractual financial product sold by financial institutions that is designed to accept and grow funds from an individual and then, upon annuitization, pay out a stream of payments to the individual at a later point in time. The period of time when an annuity is being funded and before payouts begin is referred to as the accumulation phase. Once payments commence, the contract is in the annuitization phase. By: Group 3 of SH208 University of Mindanao Hazel Joyce Q. Bubuli Ruzyl Mae Labite Allysa Paula Pasamonte Jennezelle Sapong Kimlhoyd Alagon Honey Grace Mozo Like and Share this video: https://www.youtube.com/watch?v=hUuLfUxwKVE
Views: 79 Hazel Bubuli
Purchase Price in M&A Deals: Equity Value or Enterprise Value?
 
15:29
In this tutorial, you’ll learn why the real price paid by a buyer to acquire a seller in an M&A deal is neither the Purchase Equity Value nor the Purchase Enterprise Value… exactly. http://breakingintowallstreet.com/ "Financial Modeling Training And Career Resources For Aspiring Investment Bankers" Table of Contents: 4:29: Problem #1: The Treatment of Debt 8:03: Problem #2: The Treatment of Cash 11:45: Recap and Summary Common questions: “In an M&A deal, does the buyer pay the Equity Value or the Enterprise Value to acquire the seller?” “What does it mean in press releases when they say the purchase consideration ‘includes the assumption of debt’? Does that mean the price is the Enterprise Value?” The Basic Definitions Equity Value: Value of ALL the company’s assets, but only to common equity investors (shareholders). Enterprise Value: Value of ONLY the core business operations, but to ALL investors (equity, debt, etc.). So when you calculate Enterprise Value, starting with Equity Value… Add Items When: They represent other investors (Debt investors, Preferred Stock investors, etc.) or long-term funding sources (Capital Leases, Unfunded Pensions) Subtract Items When: They are not related to the company’s core business operations (side activities, cash or excess cash, investments, real estate, etc.) The Confusion The problem is that many sources say Enterprise Value is what it “really costs to acquire a company.” But that’s not exactly true – yes, sometimes Enterprise Value is closer, but it depends on the deal terms and the items in Enterprise Value. We know, WITH CERTAINTY, that if you acquire 100% of a company, you must pay for 100% of its common shares. So the Purchase Equity Value is sort of a “floor” for the purchase price in an M&A deal. But should you really add the seller’s Debt, Preferred Stock, and other funding sources, and subtract 100% of the seller’s cash balance to determine the “real price”? There are many problems with that approach, but we’ll look at two of them here: PROBLEM #1: Does Debt really increase the purchase price? It depends, because debt can be either “assumed” (kept) or “refinanced” (replaced with new debt or paid off). Debt is Assumed: Does not increase the amount the buyer “really pays” for the seller. Debt is Repaid with the Buyer’s Cash: Does increase the amount the buyer “really pays”. Existing Debt is Replaced with New Debt: Increases the amount the buyer “really pays,” but the buyer still isn’t paying more cash. PROBLEM #2: Does Cash really reduce the purchase price? A buyer can’t just “take” a seller’s entire cash balance following a deal – all companies need a certain “minimum cash balance” to keep operating, paying the bills, etc. That portion of cash is actually a core business operating asset. Enterprise Value: As a simplification, we ignore the minimum cash and subtract all cash instead. So if a company operating by itself always needs some minimum amount of cash, it certainly still needs a minimum amount of cash in an M&A deal. Other Complications Transaction Fees: These always exist, and will always increase the price the buyer pays (lawyers, accountants, bankers, etc.). Unfunded Pensions, Capital Leases, etc.: These don’t necessarily have to be “paid” or “repaid” upon change of control… so they may not even affect the price, even though they factor into Enterprise Value. Extra Cash: What if the buyer’s cash + seller’s cash are used to fund the deal? Then the real price paid may not even be comparable to the seller’s Equity Value or Enterprise Value. The Bottom Line You have to distinguish between the *valuation* of a company or deal and the *actual price paid*. Equity Value and Enterprise Value are useful for valuation, but less useful for determining the real price paid. The real price paid may be between Equity Value and Enterprise Value, above them, or even below them, depending on the terms of the deal – due to the treatment of debt and cash, fees, and liabilities that don’t affect the cash cost of doing the deal. When you see language like “Including assumption of net debt,” that means the approximate Purchase Enterprise Value for the deal, because they are calculating it as Purchase Equity Value + Debt – Cash. But it’s still not what the buyer actually pays – it’s just a way to value the deal and get multiples like EV / EBITDA. RESOURCES: https://youtube-breakingintowallstreet-com.s3.amazonaws.com/108-10-Purchase-Price-MA-Deals.pdf
Debt Free How the program works
 
12:57
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
Tim Akinnusi - Interest Rates
 
02:16
In the event that interest rates go up, there are two ways in which it can impact on your monthly repayments. If it is just 50 basis points up or 100 basis points up that would be proportional to the increase that you would expect on your monthly repayments. The other factor that would go into that is the size of the repayment. So obviously the size of the repayment coupled with the particular rate hike would determine what your additional contractual payment would be. It is always advisable to make sure that you have some level of contingency between 10% and 15% handy, just in case you have multiple rate hikes over a short period of time. The other route to go is to actually fix your rate so you mitigate against the risk of multiple rate hikes. But you will be paying a premium for the privilege to fix that rate to ensure that your payments are not affected on a monthly basis. So for example if your rate was at 10% and your monthly re-payments were at R5 000, the impact of a 50 basis points increase to 10.5 would mean you could pay in an additional R500 on top of your monthly R5 000 commitment. That would be bringing your total instalments up to R5 500. Another good piece of advice is to pay a little bit more over and above your monthly required instalment, say between 10% and 15%. What that does is it allows you the flexibility to not worry about multiple rate hikes up to a particular point. You also get the benefit of being able to suppress the interest charges on the capital owing on the place. Those funds will also always be available to you, so are never lost to you. The surplus funds will always be available for you to draw against at a later stage.
Views: 532 Private Property
Debt Free How does my mortgage coupon work
 
13:06
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
Debt Free Consumer facts credit card debt
 
07:30
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
Debt Free Stop refinancing your mortgage
 
12:40
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
Broken Window Theory for Landlords - New York. It works.
 
07:48
SUBSCRIBE for more useful property videos: https://www.youtube.com/user/goodpropertycompany?sub_confirmation=1 FREE PROPERTY KNOWHOW DOWNLOAD: http://www.thegoodpropertycompany.co.uk/resources/100-lessons For us, we have very clear boundaries for tenants. It is based on the NY broken window theory, New York inspired - we are black and white. I would never attempt to take money inappropriately from a tenant. However, I am black and white so if the tenant pays less than their rent, we will chase them for even a pound. Not because we want that extra pound, as it is a cost that is not worth it financially. But it sends a message to them that we are black and white and will not accept poor financial payments. What it does, it tells the other tenants that we are on the ball and will take no nonsense from any tenant. Inspections - we inspect every 3 months, and a failed inspection triggers a £50 fee. I have no interest in getting the money. I want to have the contractual fee to have them alter their behaviour and tidy up the property. We will always charge that fee. We know that 50% of people who are charged that fee will then move out. That is ok with me, as the people who are messy get the failed inspection fee in the first place. So if they move out, the messy buggers are gone, which means my properties are kept in better condition. There will be some friction, and we remove the emotion and put everything in writing, rather than having telephone conversations about it. We do enforce our contractual agreements very strongly, so that our tenants understand we are clearly boundaried. We help the tenants understand these boundaries - not just by having the contract, but by having check lists for the tenants - one is called 'Tips for A Successful Interim Inspection', where we have a clear checklist for how to tidy your room! Keep a great customer cohort, decent polite and clean people. And life is much better in a property portfolio. Tenants who threaten to kill my staff, are super dirty, rude and untidy are not on my list of tenants to do business with! We play our part, and they play their part. Notice the lack of emotion, and the clear boundaries that helps move emotion out of the relationship. Hope that helps! Good luck in property! CHECK OUT OUR WEBSITE which has tons of good well written education resources for you, packs, workshops, online mentoring etc…. https://www.thegoodpropertycompany.co.uk/ SUBSCRIBE for more useful property videos: https://www.youtube.com/user/goodpropertycompany?sub_confirmation=1
CYA John Meyer and John Schepcoff paying off consumer debt
 
05:14
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
Debt Free What happen to layaway
 
09:01
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
How Does an Annuity Work - How do Annuities work?
 
08:33
How does an annuity contract work – How does an annuity work for retirement? 1-800-566-1002 http://www.RetireSharp.com . Annuities are types of financial products that very high contractual guaranteed income that the owner can never outlive. It is vital with every annuity that you understand the basics and do not rush into purchasing a random policy. This risk avoidance can save you thousands of dollars in retirement income every year! The Ins & Outs of an Annuity The first question you're likely to ask yourself when entering the annuity universe is how does an annuity work? The answer to how does an annuity work depends on the type of annuity program you select. Deferred annuities provide an accumulation of retirement assets, while deferred annuities are designed to provide a stream of income, typically within a year of the annuity contract's purchase. Types of Annuities The simplest type of annuity is called the Single Premium Annuity (SPIA), and it requires you to make a lump sum payment to an insurance firm on the date at which you want payouts to begin. Payments may be maximized for as long as you live, if the SPIA contract specifies these payments. In this case, the payment amount is likely to be greater than returns produced from other kinds of fixed-dollar investments, but your income will not run out during your lifetime. On the other hand, if you die after receiving only a few payments under this contract, you will have put in more money than you ultimately received. The Single Premium Deferred Annuity (SPDA) allows for deferred payments instead of immediate income. You make the single lump sum payment to the insurer, but payments to you will not begin until the contract's maturity date. On this date, you may take the total value of the contract or receive annuity payments. Some deferred annuity contracts will allow you to make periodic payments instead of the lump sum and build up value over time. As you make each periodic payment, the money in your account increases as a result. When you reach retirement age (or some other date specified in the contract), you will begin to receive annuity payments. Annuity Options There are different types of pay-in, withdrawal, and investment options available, depending on the kind of contract you select. With a single premium annuity, you invest a single lump sum amount, while flexible premium annuities let you make a minimal investment, with various payments amounts during the investment period. Fixed annuities generally use more conservative investment vehicles such as bonds, and guarantee your principal investment and minimum earnings interest rate. Variable annuities are usually invested in mutual funds, and the principal is not guaranteed. Also, the earnings on your investment determine your payouts. Things to Consider Annuities are not insured by banks, the Federal Deposit Insurance Corporation, or any other federal agency. These accounts are not deposits or obligations of a bank or a bank affiliate. They are not underwritten or guaranteed by any agency. In the case of a deferred annuity, there is an element of investment risk involved, including the loss of your principal. Please make sure to subscribe to our YouTube channel for the most updated videos. Thanks for watching! Related search terms: How do annuities work? How does an annuity contract work How does an annuity work for retirement How do annuities work for dummies What is an annuity? http://www.youtube.com/watch?v=ZviN5aaUPjw
Views: 2264 retiresharp
Debt Free Do Not follow your parents foot steps
 
08:39
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
Debt Free  What is APR Annual Percentage Rate
 
06:56
"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
CREPN #173 - Private Money Lending with Anthony Geraci
 
36:07
Private Money Lending is the debt side of real estate. So much of real estate investment information is about how to. How to find the property, raise capital, improve the property, improve operations, refinance and disposition for a profit. Do you ever hear about the income the opportunity from the lender side of a real estate deal? Anthony Geraci with Geraci Law specializes in working with private money lenders, from single property notes to hedge funds. Real estate investors who lend rather than borrow. Bank Lending Traditional bank lending is not sexy. Banks are mainstreet. They are regulated. With this comes built in limitations and risk tolerance allowed by regulators. They like borrowers with proven credit history for buildings that are completed, occupied that provides a reasonable assurance of repayment. These properties provide the bank security. They can lien the property with a mortgage, collect regular payments consisting of principal and interest. If you have a low risk deal that fits the buttoned up model banks are looking for, you will receive a low interest rate after proving you and your deal are worthy. Private Money Lending A private money lender is designed for risk. Often referred to as, hard money, for the risk they take and the rates they charge. Many commercial private lenders structure their loans so that they are interest only. Because of the higher cost, private lenders are the option of choice for many real estate investors with a short term need to complete a project. For some investors, private money may be a necessity due to poor credit. However, for most, the use of private money is a preferred over conventional lenders. Private lending is where sexy debt lives. These are the option for investors with an idea to improve a property, ie fix & flip. If you have a non conforming deal, a vacant building, a short term need for capital, or just don’t have the time to wait through the loan by committee process preferred lenders require. Risk and Reward for Private Money Lenders The reward for private money lenders is significant. To guard against the risk, it is imperative that the proper legal contractual protection be used for if, when things go wrong. Each lender is unique and for this, the structure and offerings will vary depending. Your legal team will advise you through all phases to manage the risk of your private lending business. Like any business activity, setting up the proper entity is a first step. Additionally, private placement memorandums are needed when raising capital from investors and loan documents for use with your borrowers. When things go wrong; foreclosure, etc, your recourse is spelled out in the legal contracts signed by both parties. For this reason, it is a must to work with legal counsel focused on real estate. For more go to: http://geracillp.com/ [email protected] https://nonconexchange.com/
universal life insurance new site
 
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Universal life insurance (often shortened to UL) is a type of permanent life insurance, primarily in the United States of America. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy. The cash value is credited each month with interest, and the policy is debited each month by a cost of insurance (COI) charge, as well as any other policy charges and fees which are drawn from the cash value, even if no premium payment is made that month. Interest credited to the account is determined by the insurer, but has a contractual minimum rate (often 2%). When an earnings rate is pegged to a financial index such as a stock, bond or other interest rate index, the policy is an "Indexed Universal Life" contract. These types of policies offer the advantage of guaranteed level premiums throughout the insured's lifetime at substantially lower premium cost than an equivalent whole life policy. This not only allows for easy comparison of costs between carriers, but also works well in irrevocable life insurance trusts (ILIT's) since cash is of no consequence.
Views: 1422 Shahena Akter
TDS ON CONTRACTORS U/S 194C,tds on contractor in hindi,tds on contractor u/s 94c in hindi
 
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TDS ON PAYMENT TO CONTRACTORS U/S 194C WHAT IS WORK CONTRACT FOR SECTION 194C? 1. advertising 2. broadcasting 3. carriage of goods and passengers by any mode of transport other than railway. 4. catering. 5. labour supply for work contract Video Link Part - 1 TDS https://www.youtube.com/edit?o=U&video_id=qOnVDemD66o Your Quarries 1. Tds on contractor u/s 194c 2.tds on contractor in hindi 3. tds on contractor 4.contractor 194c -~-~~-~~~-~~-~- Please watch: "Pubg mobile addiction news in hindi II PUBG mobile banned in india II Pubg mobile" https://www.youtube.com/watch?v=nuHSBFl3lpY -~-~~-~~~-~~-~-
Views: 1535 BHARAT BLOGGER
Security Tokens - Sustany Capital with Christian Kameir and Dean Kirkland - Crypto the WonderDog
 
01:05:10
A security is a tradable financial asset. legal definition varies by jurisdiction -In some jurisdictions the term specifically excludes financial instruments: --They can be cash (currency), evidence of an ownership interest in an entity (share), or a contractual right to receive or deliver cash (bond). - debenture is a medium to long-term debt instrument used by large companies to borrow money, at a fixed rate of interest. - CoinMarketCap: 1,736 Listings $266b (less than 3%) - “The Polymath network connects token investors, KYC providers, smart contract developers and legal experts who help form the basis of your securities token.” http://fortune.com/2018/05/18/security-token-harbor-ceo/ The compliance is centralized at Harbor, and that’s a little different than some of the other companies doing this. Some folks are a complete walled garden — they have to issue the tokens, they only trade on their exchange, and you can’t use other players. We have the ability to freeze trading on behalf of the issuers. Let’s say you want to move back to paper — we’d freeze trading and re-issue paper. http://fortune.com/2018/05/18/security-token-harbor-ceo/ Harbor, Josh Stein The compliance is centralized at Harbor, and that’s a little different than some of the other companies doing this. Some folks are a complete walled garden — they have to issue the tokens, they only trade on their exchange, and you can’t use other players. “R-Token” – David Sacks Carlos Domingo, CEO and Chairman, Managing partner at Spice VC, Former CEO at Telefonica R&D he platform has secured commitments from companies running ICOs in aggregate of $500 million, including offerings from CryptoOracle, Kairos.com, Lottery.com and 22X Fund. GSR Capital for a purchase of $160 million in tZEROSecurity Tokens at a price of $10.00 per token, pursuant to the Simple Agreement for Future Equity (SAFE). Wyoming's state legislature passed legislation defining utility tokens as a new asset class and exempting them from securities regulations Utility Token Bill" was signed into law. The Bill exempts "Utility Tokens" from the state’s securities laws provided the issued token and its issuer meet the following requirements: (i) The developer or seller of the token, or the registered agent of the developer or seller, files a notice of intent with the secretary of state. (ii) The purpose of the token is for a consumptive purpose, which shall only be exchangeable for, or provided for the receipt of, goods, services or content, including rights of access to goods, services or content; and (iii) The developer or seller of the token did not sell the token to the initial buyer as a financial investment. Under the statute, the part (iii) requirement is only met if: (A) The developer or seller did not market the token as a financial investment; and (B) At least one (1) of the following is true: (I) The developer or seller of the token reasonably believed that it sold the token to the initial buyer for a consumptive purpose; (II) The token has a consumptive purpose that is available at the time of sale and can be used at or near the time of sale for use for a consumptive purpose; III) If the token does not have a consumptive purpose available at the time of sale, the initial buyer of the token is prevented from reselling the token until the token is available for use for a consumptive purpose; or (IV) The developer or seller takes other reasonable precautions to prevent buyers from purchasing the token as a financial investment. Utility ICOs: These tokens do not qualify as securities only if their sole purpose is to confer digital access rights to an application or service and if the utility token can already be used in this way at the point of issue. If a utility token functions solely or partially as an investment in economic terms, FINMA will treat such tokens as securities (i.e. in the same way as asset tokens). Asset tokens represent assets such as participations in real physical underlyings, companies, or earnings streams, or an entitlement to dividends or interest payments. In terms of their economic function, the tokens are analogous to equities, bonds or derivatives. More than 200 centralized exchanges already Exchange Act Registration Even if your company does not have an effective registration statement for a public offering, it could still be required to file a registration statement and become a reporting company under Section 12 of the Exchange Act if: it has more than $10 million in total assets and a class of equity securities, like common stock, that is held of record by either (1) 2,000 or more persons or (2) 500 or more persons who are not accredited investors or it lists the securities on a U.S. exchange More than 200 centralized exchanges already https://www.wired.com/story/the-stock-market-loophole-that-screws-the-little-guy/ SPONSORS: POSTERBURNER www.posterburner.com/wonderdog YouCanEvents www.youcanevent.com
What is CELEBRITY BOND? What does CELEBRITY BOND mean? CELEBRITY BOND meaning & explanation
 
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What is CELEBRITY BOND? What does CELEBRITY BOND mean? CELEBRITY BOND meaning - CELEBRITY BOND definition - CELEBRITY BOND explanation. Source: Wikipedia.org article, adapted under https://creativecommons.org/licenses/by-sa/3.0/ license A celebrity bond is commercial debt security issued by a holder of fame-based intellectual property rights to receive money upfront from investors on behalf of the bond issuer and their celebrity clients in exchange for assigning investors the right to collect future royalty monies to the works covered by the intellectual property rights listed in the bond. Typically backed by music properties, the investment vehicle was pioneered in 1997 by rock and roll investment banker David Pullman through his $55 million David Bowie bond deal. While a celebrity bond can cover any work of art whose future royalties are based in part on a widespread reputation of the creator of the work, celebrity bonds often are music-based celebrity bonds. For a music-based celebrity bond, the issuer seeks to put together intellectual property rights of one or various artists to "songs that have stood the test of time," typically "top-40 greatest hits across genres from jazz to rap to rhythm and blues." In addition to getting money upfront, artists additionally retain ownership of their work and do not have to pay tax on what the IRS considers a loan, since yet-to-be received royalties are re-characterized by the bond agreement as loan interest and principal payments. The artists also passes on the risk to investors that the works backing up the celebrity bond will lose their appeal, where the investors are in a better position than the artist to assess such a risk. Bowie Bonds are asset-backed securities of current and future revenues of the 25 albums (287 songs) that David Bowie recorded before 1990. Bowie Bonds were pioneered in 1997 by rock and roll investment banker David Pullman. Issued in 1997, the bonds were bought for US$55 million by the Prudential Insurance Company of America. The bonds paid an interest rate of 7.9% and had an average life of ten years, a higher rate of return than a 10-year Treasury note (at the time, 6.37%). Royalties from the 25 albums generated the cash flow that secured the bonds' interest payments. Prudential also received guarantees from Bowie's label, EMI Records, which had recently signed a $30m deal with Bowie. By forfeiting ten years worth of royalties, Bowie was able to receive a payment of US$55 million up front. Bowie used this income to buy songs owned by his former manager. Bowie's combined catalog of albums covered by this agreement sold more than 1 million copies annually at the time of the agreement. However, by March 2004, Moody's Investors Service lowered the bonds from an A3 rating (the seventh highest rating) to Baa3, one notch above junk status. The downgrade was prompted by lower-than-expected revenue "due to weakness in sales for recorded music" and that an unnamed company guaranteed the issue. The Bowie bonds liquidated in 2007 as originally planned, without default, and the rights to the income from the songs reverted to Bowie. The Bowie Bond issuance was perhaps the first instance of intellectual property rights securitization, a financial practice of pooling various types of contractual debt such as residential mortgages, commercial mortgages, auto loans or credit card debt obligations and selling said consolidated debt as bonds, pass-through securities, or Collateralized mortgage obligation (CMOs), to various investors. The securitization of the collections of other artists, such as James Brown, Ashford & Simpson and the Isley Brothers, later followed.
Views: 144 The Audiopedia
Debt Free bank offer grace consumer debt
 
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"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,
Should I pay my under water mortgage? Should I Strategic Default? Reduce Principal? Short Sale?
 
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http://lasvegasrealestate-stevehawks.com/ 702.458.3999. Ask the expert. The number 1 Las Vegas Real Estate question. Should I make my house payment? Should I still pay my under water mortgage? Should I Strategic Default? Steve Hawks the top homeowner advocate in Nevada has helped thousands of Las Vegas and Henderson Nevada home owners find the right program and solution to their personal housing crisis. Each situation is unique and there are many different organizations and government entities that are out there to help. Unfortunately there are many foreclosure rescue scams too. You could be eligible for many of these programs that reduce principal, short sale and give you cash back and receive a full deficiency waiver. A sample of just a few of these programs are National Mortgage Settlement , Nevada Foreclosure meditation program, Nevada hardest hit funds program, HARP 2.0 and many other programs. Call Steve Hawks today he will deal with the bank for you. Steve will guide you through the process and answer all your questions. 702.458.3999. Find out the results of Nevada Face of Foreclosure Report. Find out what Suze Orman flat out told people on ABC World News report that are under water and the bank won't help. Find out how you can get your mortgage principal reduced. Find out how you can short sale your home and receive up to 30,000 dollars cash at closing. Find out how to get on the road to recovery. Do not stress about your mortgage any longer call Steve Hawks the top homeowner advocate in Nevada. If you need a short sale specialist for your Las Vegas or Henderson Real Estate questions ask the expert Steve Hawks Steve Hawks B.S. Finance Real Estate & Law Las Vegas short sale agent / Underwater mortgage/ full short sale deficiency waiver Las Vegas Realtor Short sale specialist / strategic default / Nevada Face of Foreclosure Report Reduce my mortgage principal http://www.shortsaleczar.com http://abcnews.go.com/WNT/video/homes-time-buy-sell-walk-14576520 http://mediaroom.bankofamerica.com/phoenix.zhtml?c=234503&p=irol-newsarticle&ID=1692738 from Bank America Website CALABASAS, Calif., May 08, 2012 (BUSINESS WIRE) --Bank of America Home Loans has begun reaching out to customers who may be eligible for forgiveness of a portion of the principal balance on their mortgage under terms of a recent settlement among five major banks, 49 state attorneys general and the federal government. To be eligible for this program, a homeowner must meet certain criteria, including: •Owes more on the mortgage than the property is worth today. •Was at least 60 days behind on payments on January 31, 2012. •Has a contractual monthly payment for principal, interest, property taxes, hazard insurance and any applicable homeowner association fees totaling more than 25 percent of gross household income. •Has a loan that is owned and serviced by Bank of America, or serviced for another investor that has given the bank delegated authority to do such modifications. Under Nevada law, the State of Nevada Foreclosure Mediation Program (FMP) is open to homeowners of owner-occupied houses who receive a foreclosure notice, formally titled Notice of Default (or Breach) and Election to Sell. Homeowners of owner-occupied houses have 30 days after being served with a foreclosure notice to elect to participate in mediation.
Views: 22724 Steve Hawks
Finance/Sales-Type Lease--Carmichael Lessor (New FASB Rules) Intermediate Accounting | CPA Exam FAR
 
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Like us on Facebook: https://www.facebook.com/accountinglectures Visit the website where you can search using a specific term: https://www.farhatlectures.com/ Connect with LinkedIn: https://www.linkedin.com/in/mansour-farhat-cpa-cia-cfe-macc-2453423a/ A lease is a contractual agreement between a lessor and a lessee that gives the lessee the right to use specific property, owned by the lessor, for a specified period of time. In return for this right, the lessee agrees to make rental payments over the lease term to the lessor. 3. The lessors that own property include banks, captive leasing companies, and independents. Advantages of Leasing 4. In discussing the advantages of leasing arrangements, advocates point out that leasing allows for: (a) 100% financing at fixed rates, (b) protection against obsolescence, (c) flexibility, (d) less costly financing, (e) tax advantages, and (f) off-balance-sheet financing. 5. A variety of opinions exist regarding the manner in which certain long-term lease arrange¬ments should be accounted for. These opinions range from total capitalization of all long-term leases to the belief that leases represent executory contracts that should not be capitalized. The FASB requires capitalization of lease arrangements that are similar to installment purchases. In short, lease arrangements that transfer substantially all of the risks and rewards of ownership of property should be capitalized by the lessee. Lessee Accounting - Capitalization Criteria 6. (L.O. 2) For accounting purposes of the lessee, all leases may be classified as operating leases or capital leases. For a lease to be recorded as a capital lease, the lease must be noncancelable and meet one of the following four criteria: a. The lease transfers ownership of the property to the lessee at the end of the lease. b. The lease contains a bargain-purchase option. c. The lease term is equal to 75% or more of the estimated economic life of the leased property. d. The present value of the minimum lease payments (excluding executory costs) equals or exceeds 90% of the fair value of the leased property. If the lease meets none of the four criteria, the lease should be classified and accounted for as an operating lease. 7. A bargain purchase option is a provision allowing the lessee to purchase the leased property for a price that is significantly lower than the property’s expected fair value at the date the purchase option becomes exercisable. The 75% of economic life test is based on the belief that when a lease period equals or exceeds 75% of the asset’s economic life, the risks and rewards of ownership are transferred to the lessee and capitalization is appropriate. The reason for the recovery of investment test (90%) is that if the present value of the minimum lease payments are reasonably close to the market price of the asset, the asset is effectively being purchased. A major exception to the 75% and 90% rules is when the inception of the lease occurs during the last 25% of the asset’s life. When this occurs the 75% and 90% tests should not be used. Capital Leases for Lessees 8. Under the capital lease method, the lessee treats the lease transaction as if an asset is being purchased over time (installment basis). For a capital lease, the lessee records an asset and a liability at the lower of (a) the present value of the minimum lease payments during the term of the lease or (b) the fair value of the leased asset at the inception of the lease. In determining the present value of the minimum lease payments, three important concepts are involved: (a) minimum lease payments, (b) executory costs, and (c) the discount rate. 9. Minimum lease payments include (a) minimum rental payments, (b) any guaranteed residual value, (c) penalty for failure to renew or extend the lease, and (d) any bargain- purchase option. Minimum rental payments are the minimum payments the lessee is obligated to make to the lessor under the lease agreement. A residual value is the estimated fair value of the leased property at the end of the lease term. The guaranteed residual value is (a) the certain or determinable amount at which the lessor has the right to require the lessee to purchase the asset, or (b) the amount the lessee or the third-party guarantor guarantees the lessor will realize. This allows the lessor to transfer the risk of loss in the fair value of the asset to the lessee. 10. If the lessee guarantees the residual value, the present value of this residual value should be reported as part of the lease liability. If a bargain purchase option exists instead of a guaranteed residual value, the lessee should increase the present value of the minimum lease payments by the present value of the option price. In both the guaranteed residual value and the bargain purchase option cases, the lessee is committed to making these payments, and therefore the payments should be reported as an increase to the lease
Ownership & Contractual Issues
 
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The U.S. Copyright Office is undertaking a study to review the role of copyright law with respect to software-enabled consumer products. This session will explore the state of contract law vis-à-vis software embedded in everyday products, and how contracts such as end user license agreements impact investment in and the dissemination and use of everyday products, including whether any legislative action in this area is needed. For transcript and more information, visit http://www.loc.gov/today/cyberlc/feature_wdesc.php?rec=7471
Views: 217 LibraryOfCongress
MY LOVE FOR CREDIT CARDS | Why I stopped using my debit card!
 
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Legion Manor Assisted Living LLC: https://www.legionmanorllc.com/ https://www.facebook.com/legionmanorllc/ Legion Manor Assisted Living Youtube Channel: https://www.youtube.com/channel/UC3weUwhZaqShH7XV-UmLnfA?view_as=subscriber Equipment that I use: Camera Bundle I use: https://amzn.to/2RoeKIv Business Card holder I use: https://amzn.to/2P6yiPK Books that I recommend: Sell It Like Serhant: https://amzn.to/2TTZ6Gu Cryptoassets: https://amzn.to/2RpudrY Rich Dad Poor Dad: https://amzn.to/2KHMVse Insider's Guide to Investing in Senior Housing: https://amzn.to/2P97w9i The Last Arrow: https://amzn.to/2DPaUEp MY LOVE FOR CREDIT CARDS | Why I stopped using my debit card! Credit: the ability of a customer to obtain goods or services before payment, based on the trust that payment will be made in the future. Credit Utilization: is the ratio of your credit card balances to credit limits. It measures the amount of your credit limit being used. Why is it important to have Credit? A high credit score can make it easier to rent an apartment, get utility services, and even get a job. It will allow you to also get qualified for a loan at a lower interest rate which in turn will save you a lot more money in the long run. Using Credit to your advantage: When you have a higher Credit line it give you more leverage to work with. Let’s use an example, every credit bureau advises that you keep your credit utilization less than 30 percent. So applying for more credit cards is something YOU should do. Because this will increase that Credit limit for you, so let’s you have a credit limit combined with all of your credit cards of $5,000. Take that and multiply it by .30 for the 30 percent utilization. $5,000x.30 = $1,500. , $1,500 should be your limit of spending when you have a credit limit of $5,000. Now you plug in whatever number you want in there to get the number or credit you should be using. Keeping your utilization blow 30% and paying your payments on time, are the two things that have the highest impact on your credit score. TIPS FOR BUILDING GOOD CREDIT 1. Establish a credit report To establish a credit report you must have an open, active credit account. To get your first credit account talk to your bank or credit union. 2. Always pay as agreed Make at least the minimum payment due each month and never be late. Delinquent payments and payments that don’t meet at least the minimum contractual amount will have the most immediate, negative impact on your credit report and credit scores. 3. Keep your balances low Keeping your balances low as compared to your available credit limits is a sign of good credit management and shows lenders you are a good credit risk. Your utilization rate, also called your balance-to-limit ratio is a key component to credit scores. 4. Apply for credit wisely Do not apply for multiple accounts in a short period of time. Taking on large amounts of debt in a short time is a sign of high credit risk. Apply for credit when you need it, and only in the amount you need. Just because credit is offered, doesn’t mean you have to accept it. 5. Demonstrate good credit habits over long periods of time In order to have good credit scores you must demonstrate a habit of good credit management over a long period of time.
Views: 108 Serg Lupescu
Debt Free who pays the points buying a home
 
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"37 years of teaching How to be totally Debt Free Including the Mortgage in 7 to 9 years" http://www.debtfreeorcashpoor.com/ Take control of your credit and debt. People who are getting out of debt don’t care what others think. If you want to get out of debt, you can get out of debt—no matter how much money you owe. When you’re motivated, passionate and even a little angry, you’re more than willing to do whatever is needed to find financial peace. Dealing with debt is not an easy task. In fact, it can be a very exhausting experience. Paying off debt every month is hard for many people to do. A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest.The term can also be used metaphorically to cover moral obligations and other interactions not based on Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually. There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may partially amortize during its term, with the remaining principal due as a "balloon payment" at maturity. Amortization structures are common in mortgages and credit cards. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts (in the case of a government), specific assets (in the case of a company) or a home (in the case of a consumer). Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Common types of debt owed by individuals and households include mortgage loans, car loans, and credit card debt. For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends. One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In 2011, 8% of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date. In commercial loans interest, calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called "bullet loans", particularly if there is only a single payment at the end – the "bullet" – without a "stream" of interest payments during the life of the loan. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. Riskier borrowers must generally pay higher rates of interest to compensate lenders for taking on the additional risk of default. Debt investors assess the risk of default prior to making a loan, for example through credit scores and corporate and sovereign ratings. Drowning in debt, debt consolidation, financial troubles, remove all debt, credit cards, mortgages, loans, reduction of interest, credit card debt, mortgage debt, debtor, repayment, colloquially,