Archive for the ‘Credit Rating’ Category.

Cash Talks: S&P cuts Asia’s credit history over financial obligation development

China may be among the world’s biggest and quickest developing economies. But rising financial obligation is fueling concerns over being able to keep up with the pace of their economic development. Ratings agency traditional and bad’s has decreased Asia’s sovereign debt rating. Mobin Nasir reports regarding the credit bubble threatening Asia’s economic climate and what it may indicate throughout the entire world.

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Knowing More About Credit Card Processing Rates ? Fees To Watch Out For

Business owners may not be aware that their expenses are way overboard and as result, they can’t stay on top of everything. They don’t’ know that they need to pay for credit card processing fees. Whether you are just starting a business, you would to hire a merchant account that would meet your needs. No matter how you look at it, unfortunately the expenses are too much. These fees can be under your radar without your detecting. If you have a merchant account, here are the culprits. If you know about the fees, you can calculate your business expenses.

Transaction Fee – It is a charge for gateway fee, network fee and even fraud detection. There are providers who may hide these charges. Always do a research and subtract it to your revenue.

Set up Fee – Most account providers forgo this if you sign with them.

High Risk or International Fee – High Risk businesses are the one paying for these fees to help get your approval. It often paid annually but you need to check if the company charges them.

Charge Back Fee – A customer may dispute the processing this is due to security and application of laws. This is a challenge to merchant.

Termination Fee – For those who are planning to stop the merchant account contract, this needs to be paid. Before signing the contract set this record straight.

Termination Fee – As a business owner, it is advisable that prior to signing the contract ask about their termination fees first. In case you are not satisfied with their service, you can easily cancel the contract without worrying about the cost.

Refund Fees – You would need to pay this when customers get refund. You should also pay for fraud labor transactions.

Before signing a contract with a merchant account provider, there is no doubt there are fees are involved which is you are required to pay. This would include set up fees, transaction fees, refund fees and others. These can be deducted in your account without your knowledge.

JUST HOW TO LIFT UP YOUR CREDIT SCORE IN CANADA

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a credit score company (CRA) is a company that assigns credit ratings for issuers of certain types of debt obligations along with the financial obligation devices themselves. In some cases, the servicers of the main financial obligation are offered rankings. More about Buffett: https://www.amazon.com/gp/search?ie=UTF8&tag=tra0c7-20&linkCode=ur2&linkId=22f3a19f1003df6e04ad734879f32fb7&camp=1789&creative=9325&index=books&keywords=warren%20buffett

Typically, the issuers of securities are companies, special-purpose entities, condition and regional governments, non-profit organizations, or national governments issuing debt-like securities (for example., bonds) which can be exchanged on another marketplace. A credit score for an issuer takes into account the issuer’s credit worthiness (in other words., its ability to pay off that loan), and impacts the interest rate put on the security being released.
The worth of these protection rankings is commonly questioned following the 2007–09 financial crisis. In 2003, the U.S. Securities and Exchange Commission presented a written report to Congress detailing plans to introduce an investigation into the anti-competitive methods of credit rating agencies and issues including conflicts interesting. Recently, ratings downgrades during the European sovereign debt crisis of 2010–11 have actually drawn criticism from the EU and individual countries.
An organization that dilemmas fico scores for specific credit-worthiness is usually known as a credit bureau (US) or consumer credit reporting agency (UK).

Credit score companies were subject to listed here criticisms:
Credit history companies try not to downgrade organizations quickly sufficient. For example, Enron’s rating remained at financial investment class four days ahead of the business went broke, despite the fact that credit history agencies had been conscious of the company’s problems for months. Or, like, Moody’s offered Freddie Mac’s favored stock the most effective rating until Warren Buffett talked-about Freddie on CNBC as well as on the very next day Moody’s downgraded Freddie to 1 tick above junk bonds. Some empirical studies have documented that yield spreads of corporate bonds start to increase as credit quality deteriorates but before a rating downgrade, implying that market often leads a downgrade and questioning the educational worth of credit ratings. It’s generated recommendations that, as opposed to count on CRA rankings in financial regulation, monetary regulators should instead need financial institutions, broker-dealers and insurance coverage corporations (among other people) to utilize credit spreads when calculating the chance inside their portfolio.
Huge business score agencies have-been criticized for having too familiar a commitment with company management, perhaps starting by themselves to undue influence and/or vulnerability to be misled. These agencies meet often personally aided by the handling of many companies, and advise on activities the organization should try preserve a certain score. Moreover, because information about score changes from bigger CRAs can distribute so quickly (by-word of mouth, mail, etc.), the larger CRAs charge financial obligation issuers, instead of people, due to their rankings. It has generated accusations why these CRAs tend to be suffering from conflicts of interest which may inhibit all of them from supplying accurate and honest reviews. On top of that, more generally speaking, the greatest companies (Moody’s and traditional & bad’s) in many cases are viewed as marketing a narrow-minded focus on credit scores, possibly at the cost of employees, the environmental surroundings, or long-term analysis and development. These accusations aren’t entirely consistent: on one hand, the larger CRAs tend to be accused of being also comfortable utilizing the businesses they rate, and on one other hand these are generally accused to be too focused on an organization’s “bottom line” and hesitant to listen to an organization’s explanations for its actions.
While often accused to be too close to company handling of their present clients, CRAs have also accused of participating in heavy-handed “blackmail” tactics to be able to obtain business from new business, and reducing ranks for many firms . For example, Moody’s published an “unsolicited” rating of Hannover Re, with a subsequent page to the insurance company indicating that “it looked toward a single day Hannover is ready to pay”. Whenever Hannover administration declined, Moody’s proceeded to give Hannover Re reviews, of downgraded over consecutive years, all which makes payment requests that insurer rebuffed. In 2004, Moody’s slice Hannover’s financial obligation to junk status, and although the insurer’s various other score companies gave it strong marks, investors were shocked by the downgrade and Hannover destroyed 5 million USD in marketplace capitalization.

http://en.wikipedia.org/wiki/Credit_rating_agency
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CREDIT RATING AGENCIES – THE BIG SHORT

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This is actually the first movie within our lecture series in which we take a longer glance at even more complicated topics. Now it really is credit scores; whatever they’re made from, what a beneficial one is, and exactly how you can make yours better. It is complicated, but we break it straight down within a couple of minutes to really make it less complicated. Take a glance and tell us when you have any queries!

This video is supposed as an educational resource to prepare consumers for the loan procedure.

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Personal loans for bad credit: Appropriate financial solution

Having realized that your credit score is way below the accepted level, you might find yourself in a peculiar situation, as to how to resolve the crisis. The crisis is more related to financial side and to resolve it, you will need some amount of financial assistance. Now, availing loans is not that easy, as it seems to be. So, you will have to look for such an option, through which you get to acquire the funds, in a convenient manner. In this regard, you can certainly avail the services of personal loans for bad credit.

Coming to loans for bad credit, any borrower having faced problems related to CCJs, IVA, arrears and defaults can avail the funds, so as to sort out the priorities. The loans are not only easy to derive, but are also made available against viable terms and conditions. Moreover, by utilizing these loans, the applicants are also in a position to strengthen their financial stability. In other words, with these loans, the applicants have a chance to make a new beginning.

In order to let the borrowers acquire the funds, as per their need and requirement, these loans are classified in to secured and unsecured form. Secured option of the loans is perfect for those who are in need of a bigger amount. To derive the loans, the applicants have to pledge an asset as collateral. Its repayment tenure too spans over a longer period.

On the contrary, the unsecured option of the loans does not need any form of collateral to get approved. The loans being made available for a short term period are incidentally made available against a high rate of interest. Moreover, this option of the loans is also open to applicants such as tenants and non homeowners.

By preferring to avail these loans using the online application mode, you have a chance to source the fund, within a short span of time. With a proper research by comparing the rate quotes, you can certainly come across lenders offering viable terms.
Personal loans for bad credit thus make it a point to offer you the funds, at a time, when you are struggling.

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Credit history Agencies as well as the financial meltdown (Part 1 of 2)

Credit Rating Agencies together with economic crisis (component 1 of 2) – Committee on Oversight and national Reform – Tape Deck 01 – 2008-10-22 – The Committee held a hearing titled, “Credit history Agencies and the financial meltdown” on Wednesday, October 22, 2008, in 2154 Rayburn home Office Building. The hearing examined those things for the three biggest credit history companies, Standard and bad’s, Moody’s Corporation, and Fitch Ratings, prior to the present economic crisis. Movie supplied by the U.S. House of Representatives.

Warren Buffett on Credit Rating Agencies, Moody’s, S&P, Bonds, and Corporate Shareholders

Moody’s Investors Service, often referred to as Moody’s, is the bond credit rating business of Moody’s Corporation, representing the company’s traditional line of business and its historical name. Moody’s Investors Service provides international financial research on bonds issued by commercial and government entities and, with Standard & Poor’s and Fitch Group, is considered one of the Big Three credit rating agencies.

The company ranks the creditworthiness of borrowers using a standardized ratings scale which measures expected investor loss in the event of default. Moody’s Investors Service rates debt securities in several market segments related to public and commercial securities in the bond market. These include government, municipal and corporate bonds; managed investments such as money market funds, fixed-income funds and hedge funds; financial institutions including banks and non-bank finance companies; and asset classes in structured finance.[1] In Moody’s Investors Service’s ratings system securities are assigned a rating from Aaa to C, with Aaa being the highest quality and C the lowest quality.

Moody’s was founded by John Moody in 1909 to produce manuals of statistics related to stocks and bonds and bond ratings. In 1975, the company was identified as a Nationally Recognized Statistical Rating Organization (NRSRO) by the U.S. Securities and Exchange Commission. Following several decades of ownership by Dun & Bradstreet, Moody’s Investors Service became a separate company in 2000; Moody’s Corporation was established as a holding company.

In the late 1960s and 1970s, commercial paper and bank deposits began to be rated. As well, the major agencies began charging the issuers of bonds as well as investors — Moody’s began doing this in 1970[5] — thanks in part to a growing free rider problem related to the increasing availability of inexpensive photocopy machines,[14] and the increased complexity of the financial markets.[10][15] Rating agencies also grew in size as the number of issuers grew exponentially,[16] both in the United States and abroad, making the credit rating business significantly more profitable. In 2005 Moody’s estimated that 90% of credit rating agency revenues came from issuer fees.[17]

The end of the Bretton Woods system in 1971 led to the liberalization of financial regulations, and the global expansion of capital markets in the 1970s and 1980s.[5] In 1975, the SEC changed its minimum capital requirements for broker-dealers, using bond ratings as a measurement. Moody’s and nine other agencies (later five, due to consolidation) were identified by the SEC as “nationally recognized statistical ratings organizations” (NRSROs) for broker-dealers to use in meeting these requirements.[3][18]

The 1980s and beyond saw the global capital market expand; Moody’s opened its first overseas offices in Japan in 1985, followed by offices in the United Kingdom in 1986, France in 1988, Germany in 1991, Hong Kong in 1994, India in 1998 and China in 2001.[5] The number of bonds rated by Moody’s and the Big Three agencies grew substantially as well. As of 1997, Moody’s was rating about trillion in securities from 20,000 U.S. and 1,200 non-U.S. issuers.[12] The 1990s and 2000s were also a time of increased scrutiny, as Moody’s was sued by unhappy issuers and investigation by the U.S. Department of Justice,[19] as well as criticism following the collapse of Enron, the U.S. subprime mortgage crisis and subsequent late-2000s financial crisis.[5][20]

Following several years of rumors and pressure from institutional shareholders,[21] in December 1999 Moody’s parent Dun & Bradstreet announced it would spin off Moody’s Investors Service into a separate publicly traded company. Although Moody’s had fewer than 1,500 employees in its division, it represented about 51% of Dun & Bradstreet profits in the year before the announcement.[22] The spin-off was completed on September 30, 2000,[23] and, in the half decade that followed, the value of Moody’s shares improved by more than 300%.[12]

In June 2013, Moody’s Investor Service has warned that Thailand’s country’s credit rating may be damaged due to an increasingly costly rice-pledging scheme which lost 200 billion baht (.5 billion) in 2011-2012.

http://en.wikipedia.org/wiki/Moody%27s
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Index Annuity Crediting Methods

An index annuity earns interested based on an external financial index, such as the S&P 500. Interest that is credited to the annuity is based on a formula that is linked to the underlying index. An index annuity also is usually guaranteed to pay a minimum interest rate so that investors do not lose their initial investment premiums.

One of the most important features in determining the actual interest received on a contract is the crediting method used to measure the amount of change in the underlying index. The three most common methods are annual reset (ratcheting), high-water mark, and point-to-point:

Annual Reset
? Interest is determined by comparing the index value at the end of the contract year with the index value at the beginning of the contract year. Interest is added each year for the term of the contract.

High-Water Mark
? With this method, the index value is recorded at various points in time during the term of the contract. Typically, the annual anniversary is used as the reference points. Interest is added at the end of the contract and is based on the difference between the highest index value and the beginning index value.

Point-to-Point
? The final method pays interest at the end of the contract, similar to the high-water mark method. However, the amount is based on the difference between the index value at the end of the term and the index value at the beginning of the contract.

These three methods may yield similar results over one time span or drastically different results during another. It is important that investors research the options that are available on the annuity index annuity policy they are interested in because there are unique advantages and disadvantages for each method.

The annual reset method has the advantage that the interest is reevaluated each year and that future decreases in the index cannot affect the interest that was earned in previous years. The disadvantage for annual reset is that the participation rate may change each year. In general, its level will be lower than other indexing methods. Sometimes this method is also combined with a cap on the amount of interest that can be earned in a given contract year.

The advantage of the high-water mark method is that a customer may receive a higher amount of interest than other methods if the index reaches a high point towards the beginning or middle of the contract, then falls at the end of the contract term. However, the disadvantages are that this method sometimes comes with a cap and a lower participation rate than other methods. In addition, some contracts state that if the annuitant surrenders the contract before the end of the term, then the interest is forfeited.

The final method, point-to-point, has the advantage that many of the contracts have a higher participation rate than other index annuity methods since interest cannot be calculated before the end of the policy. However, like with the high-water mark method, some contracts will not pay interest if the annuity is surrenders before the term has ended.

The three index annuity crediting methods discussed above seem similar, however, the index-linked interest that is paid on an annuity will heavily depend on which method is used for the particular policy. Therefore, it is important that investors weigh the pros and cons of each method and choose the one best suited to current market trends.

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Do you have bad credit and need car finance? We can help!

At Glenside Finance we help those who have been refused car finance elsewhere due to a poor credit history, unstable employment, County Court Judgements, defaults, mortgage arrears or ex-bankruptcy.

We do not credit score or use a computerised decision making system – each application is looked at personally by an experienced underwriter. We aim to tailor our car finance packages to suit our customers’ individual circumstances and monthly budget.

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Title says it all!

Rating Our Presidents

I see that there was a recent news release by The Times, a British publication, which reported a ratings list of U.S. Presidents by a panel of eight historians as follows:

10 Best Presidents 10 Worst Presidents
Lincoln Eisenhower Buchanan G. Bush, Jr.
Washington Truman Pierce Hoover
F. Roosevelt Reagan Van Buren Harding
Jefferson Polk Harrison Garfield
T. Roosevelt Wilson Nixon Filmore

Rating Presidents is strictly an academic exercise. Historians generally differ based on the time they lived and the eventual course of history, which is usually a reliable indicator. The public, however, uses a different standard based more on popularity and likeability. Thus, note the absence of Kennedy and Clinton from this list, although Kennedy did finish at number 11 on the best list, Jimmy Carter barely managed to escape the bottom 10.

I know that Clinton is still very popular, but the historians said that although Clinton left office with a high approval rating they considered him mediocre. They added that he passed progressive legislation (welfare reform) but saddled himself with the Lewinsky scandal and landed at number 23. One panelist, Ben Macintyre said, “Clinton promised so much, delivered so little and embarrassed everyone”. Isn’t that what they call a con man?

As an avid student of presidential history, I would remove F. Roosevelt from the top 10, based on his dismal performance during the Great Depression. He probably gets good grades for his charisma, communication skills, and leadership qualities, particularly during WWII. I also would tend to raise Polk even higher in the standings; he was a man with great executive and management skills who presided over our “manifest destiny” period as a nation. I also would drop Wilson out of the top 10, since most of his term was served by his wife, not him. Maybe we should give her the 10 spot.

Also, I feel sorry for Harrison and Garfield. Harrison died after 23 days in office, when he got sick because he didn’t wear a coat while giving his inaugural address in freezing weather; and poor Garfield got shot and died after 4 months in office. So why are they on the worst 10 list? Maybe we should consider them “No shows”.

Who can dispute Lincoln and Washington our greatest Presidents. Although the challenges are different today, do you really think they would have pushed that stimulus package?