FinanceAdvisor

The rate of interest on personal loans can be fixed or variable. In case of a fixed rate personal loan, the rate of interest remains the same throughout the loan period and consequently, the amount of monthly payments also remains the same.

Loan market in the UK is swamped with enormous number of loan options. continued…

It is important to have an understanding of what can go wrong with a business loan. The focus of this article is on two situations that will have the most severe financial consequences. A loan disapproval at an early point in the application process is not included here because it is not likely to have the immediate financial consequences of the examples provided below. Business owners should be prepared in advance for these problematic circumstances so that they can develop contingency plans. continued…

Value investing is a style of investment strategy from the so-called “Graham & Dodd” School. Followers of this style, known as value investors, generally buy companies whose shares appear underpriced by some forms of fundamental analysis; these may include shares that are trading at, for example, high dividend yields or low price-to-earning or price-to-book ratios. continued…

Tunneling is a colloquial for financial fraud committed by company’s own management or major shareholders, consisting of illegally pumping out valuable property into their own, private firms. continued…

In the United Kingdom, treasury stocks refer to government bonds or gilts. The British equivalent of treasury stock as used in the United States is treasury share.

In the United States, a treasury stock or reacquired stock is stock which is bought back by the issuing company. continued…

Thomson Financial’s standard league tables are rankings of Investment Banks in terms of the dollar volume of deals they work on. New standard league table sessions in compliance with 2004 league table criteria for Debt, Equity, Syndicated Loans, Project Finance and M&A are currently available. continued…

A targeted repurchase is a technique used to thwart a hostile takeover in which the target firm purchases back its own stock from an unfriendly bidder, usually at a price well above market value. continued…

A Surplus note is a bond issued by an insurance company. These securities are subordinated obligations, and fall at the very bottom of the operating insurance company’s capital structure. They are issued primarily by mutual insurance companies, which are not public and owned instead by their policy holders. continued…

Sweat equity is a term used to describe the contribution made to a project by people who contribute their time and effort. It can be contrasted with financial equity which is the money contributed towards the project. continued…

Strip financing is the repackaging of different types of obligations-debt, preferred stock, common stock etc- into one security. The idea is to ease conflicts of interest between the holders of the initial components, bond- and stockholders. Also, repackaging can raise a securities’ liquidity. continued…