Tag Archives: payday loans
A credit discriminatory pricing rule
The models presented in the previous chapters describe the price formation process in markets with different structures. As we saw in the previous article, among the markets with trade pricing rules, those governed by an order-driven execution system can be organized either as a continuous or as a call auction, while markets with a quote-driven [...]
Lagging indicators of credit quality
While in a single name context ratings are often criticized for being lagging indicators of credit quality, classifying bonds by rating is one widely used method to reflect the behavior of different risk classes in credit markets. Many market participants argue that spreads themselves and spread volatilities are more timely indicators of an issuer’s credit [...]
What were you thinking when you bought that fund?
Seeking help, you may approach a broker to recommend funds. Unfortunately, regret is likely to follow. A broker’s main interest is in loads and other commissions from frequent mutual fund sales. Loads of 5.75 percent are common. On a $10,000 investment, you are paying $575. You can buy an entire financial plan from a fee-only [...]
Money managers dance better for a price
A money manager is not a psychologist for the difficult years. A money manager’s primary interest is in keeping your account, not helping you with your emotions. When the market and your account crash, a money manager is unlikely to admit his responsibility in loading up on overpriced stocks at the wrong time. More likely, [...]
Troubled Asset Relief Program (TARP)
The most significant component of EESA is the Troubled Asset Relief Program (“TARP”). TARP permits the Treasury, through the new Office of Financial Stability, to use up to $700 billion to purchase troubled assets from financial institutions. The Act defines “troubled assets” and “financial institution” very broadly, allowing great flexibility for the Treasurer’s activities. The [...]
Reaction to the crisis – financial institutions
As the U.S. real estate markets decline and certain mortgage terms become onerous, many loans, particularly subprime and predatory loans, stop performing and enter foreclosure. These foreclosures are causing severe hardship and dislocation to many individuals and families. As mortgage loans continue to fail, the institutions that made or invested in the loans, as well [...]
Overview of the financial crisis
The U.S. and world financial systems are undergoing the most significant market and credit disruptions since the Great Depression. Though economists will debate the origin of the crisis for years to come, it is apparent that the cause is due, in part, to the combination of low interest rates, excessive risk-taking and investor demand for [...]
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Introduction to Financial Shark Blog
Welcome to financial-shark.com This blog is focusing on helping others take control of their financial well-being. Articles concerning personal finance like credit cards, retirement planning, college funding, and many more will be the primary theme of the posts. Our aim is to not weigh readers down with obsolete numbers and formulas, and provide a unique [...]
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Recent Posts
- Credit informational asymmetries
- Adverse selection in a loan model
- Conditional credit expectation rule
- A credit discriminatory pricing rule
- Types of bank capital represent its own credit risk class
- Different degrees of loans subordination
- General fluctuations of credit spreads
- Investors require a premium for taking on credit risk
- Lagging indicators of credit quality
- Selection of your credit spread class
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