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Models For Predicting Corporate Financial Distress
2,341 wordsFACTORS AFFECTING FINANCIAL HEALTH 3 Capital Structure and Capital Adequacy 3 Operating Cash Flows and Cost Structure 4 Asset Conversions Growing Broke 5 Asset Utilisation Efficiency/Turnover 5 Other Statistical Failure Prediction Models 10 Alternative Models - Artificial Neural Networks 12 A company trying to achieve its business plan faces problems similar to those faced by a driver embarking on a long trip. The likelihood that car and driver will reach their destination is dependent on: 1) ho...
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Establish Uniform Laws Resolve His Debts Bankruptcy
1,046 wordsBankruptcy law provides for the development of a plan that allows a debtor, who is unable to pay his creditors, to resolve his debts through the division of his assets among his creditors. This supervised division also allows the interests of all creditors to be treated with some measure of equality. Certain bankruptcy proceedings allow a debtor to stay in business using revenue that continues to be generated to resolve his debts. An additional purpose of bankruptcy law is to allow certain debto...
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Bankruptcy For Small Business
1,128 wordsBankruptcy is defined in our text as when a business is unable to pay its debts as they come due. (Daft 778) Small business owners never start their businesses with the intention of failing, however statistics show that in all likelihood they will not be successful. This fact reveals the importance of understanding bankruptcy even before a new business is formed. Small business owners who understand the bankruptcy law are better equipped when their business does not succeed, allowing them to min...
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Kim Dae Jung South Korea
1,383 words... tors and banks are meant to help out these ailing firms by lowering the interest rates on their loans or rolling them over completely. In return, the companies are supposed to reform themselves; although many have simply cooked the books in order to make their balance sheets look better. When the company failed to win agreement from its labor unions for a cost-cutting program, it found no fresh money was available. The firm then defaulted on loan repayments to its major creditor, the Korea D...
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Insurance Company Law School
774 wordsIn layman's terms a rainmaker is a legal case that brings in a huge sum of money for the lawyer and the lawyers client. John Grisham uses this term in The Rainmaker to mark the highest point in the main characters previously troubled life. The word rainmaker characterizes the success of Rudy Baylor's rollercoaster ride through the legal profession. Along this bumpy road Rudy, the main character, grows as an individual. Rudy adheres to his beliefs and morals, which relates to the statement that a...
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Do Credit Problems Lead To Bankruptcy
833 wordsDo Credit Problems Lead to Bankruptcy? The reasons we as Americans buy on credit varies, but without it most of us would probably never be able to purchase necessities such as a home or automobile. The nation's economy depends on credit; the promise to pay later for goods and services used today. But along with consumer credit comes consumer debt. With the rise in telemarketing and commercializing in America it is no wonder why Americans feel the impulse to buy now, pay later. The most common fo...
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Rate Of Return Interest Rates
1,692 wordsBonds and The Bond Market Given today's uncertain economy, many people are taking time to examine various options for their financial future. Different types of investments are investigated and bonds are one of the more popular choices considered. Many of the same people who talk about investing in bonds, however, do not fully understand them nor where they place in the economy. Many individuals believe that they should simply buy a bond and wait until it matures before cashing it in. These peop...
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Consumer Credit Higher Prices
1,343 wordsIn spite of Georgia's strong economy, bankruptcy filings are at record levels. During 1998, the number of filings exceeded 1. 43 million nationwide with nearly 97 percent attributable to consumer bankruptcies. These record filings in the midst of a booming economy and low unemployment is clear indication that the system is broken and needs reform. This rapid rise in personal bankruptcies and a near-record high in business bankruptcies is a trend that must be reversed. L. Wesley Smith, President ...
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Credit Card Companies One Of The Most Common
1,802 wordsCauses & Cures In this essay I plan to analyze a dangerous disease that is infecting people through the U. S. This disease is called affluent it is very contagious and once infected with the disease it is difficult to unseat. Affluenza us characterized as an unhealthy relationship with money, swollen expectations and trying to keep up with the Joneses. Affluenza creates stress, bankruptcies, and causes problems in relationships. Although, there are some people who have a different definition for...
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Enron A History And How The Company Imploded
1,282 words... and Electric Company is one of the three major utility companies in the region, along with Southern California Edison and San Diego Gas & Electric Company. August 14, 2001 CEO Jeff Skilling resigns stating "personal reasons. " October 12, 2001 Enron announces that it made a US $ 638 million loss during the third quarter of the fiscal year 2001. October 24, 2001 Andrew Fastow is ousted as the chief financial officer because of his involvement into questionable business transactions and pa...
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Sarbanes Oxley Act Securities And Exchange Commission
1,857 wordsThe Beginning of the End of Enron Enron Corporation, an energy and communications company was established in 1985 by the merger of Houston Natural Gas and Inter North (enron. com). This merger catapulted Enron into becoming the largest natural-gas company in America. Fortune magazine named Enron "America's Most Innovative Company" in the years of 1996 to 2000. And in 2000, Enron was Fortune's " 100 Best Companies to Work for in America. " In 1986, Enron's CEO, Kenneth Lay, proclaimed that the vi...
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Federal Law Chapter 13
1,138 wordsBankruptcy Law Bankruptcy law was created with the purpose to give the opportunity to a debtor to pay his or her debts through the division of his assets among his creditors. A debtor is a person who is unable to pay his credits. Some bankruptcy laws allow a debtor to stay in business; others may free them of the financial obligations. But in any cases the law was developed to give some measure of equality to all creditors. There are different types of bankruptcy. They are pointed in the title o...
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Personal Property Texas Law
793 wordsBANKRUPTCY Basically, the Texas law protects the creditors property from being seized and that is legal in Texas law. No creditor can reach certain kinds of ones property. Although the laws of the states vary widely, ones real property or part of it may be exempt from execution, that is, it cannot be sold to satisfy your creditors. One creditor may be willing to simply reduce the debt. His agreement does not bind him. It is the right of Texas to protect its homestead. In fact, that encourages in...
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U S Airlines Industry Porter Five Forces Model
709 wordsU. S Airlines Industry: Porter's Five Forces Model Michael E. Porter is a professor of the Harvard Business School. He is an expert on competitive strategy and heavy duty consultant. Michael Porter is the author of Model for Industry Analysis. Porters Five Forces Model refers to the power in the industry and helps to predict the next attack that can destroy the business. According to Porter, industry is being influenced by five forces. They are: Competitors: exit barriers, industry concentration...
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Continental Illinois Case Part 1
1,631 wordsContinental Illinois case study Settings: Continental Illinois was one of the largest banks in the world. The bank in the seventies benefited from its aggressive strategy that was limited to taking a great number of deposits across industries as well as making a great number of loan across industries hardly assessing any risks associated with the loans. Quite often, as the case reads the bank would provide a loan at a rate below the prime rate, if the loan officers found it necessary. What shoul...
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State And Local Legalized Gambling
1,807 wordsMany factors have influenced the rising crime rate, some being, increasing use of drugs, increasing population, and decreasing morals. America must find ways to decrease the crime rate legally. One question often going hand in hand with decreasing crime rate is would legalized gambling decrease the crime rate? During the late 1980 s and early 1990 s slow economic growth, cuts in federal funding, and growing public needs forced state and local governments to seek additional sources of revenue. Mo...
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Court Of Appeals District Court
242 words&# 65279; CASE: Florida Federal Savings And Loan Association v. Sanchez, 553 So. 2 d 1254 (Fla. 3 rd DCA 1980). STATEMENT OF THE CASE: A court will not award attorneys fees incurred in another jurisdiction than itself. FACTS: A mortgage company foreclosed on a mortgage through a state court that granted summary judgment to the mortgagor. Subsequently, the mortgagees filed a petition for bankruptcy under Chapter 13 of the United States Bankruptcy Code; later, the mortgagees motioned the bankruptc...
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Hundred Thousand Baby Boomers
544 wordsOur nation is in dire financial straits. However, the nations situation is only a reflection of our personal failures in our inability to Just Say No to ourselves. We must have everything and we must have everything now. We have become a country of consumers instead of a populace of producers. Lets face it, too many families are drowning in debt. We are spoiled. No one wants to wait and save money for purchases. The American consumer is deeply in debt and not talking about it. Consumer debt rose...
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Capital Structure Capital Markets
5,079 wordsJapanese Capital Structure And An Analysis Of Japanese Capital Structure And An Analysis Of Mitsubishi Corporation TABLE OF CONTENTS INTRODUCTION Capital structure in Japan has been noted to be more highly leveraged than comparative North American firms which brings to mind the question: how is it that Japanese firms have been able to take on such high levels of debt? The answer lies in the environment that Japanese firms have been operating in. More specifically, the levels of debt are likely t...
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Five Hundred Dollars Hundred Thousand Dollars
2,326 wordsMark Twain s Greatest Downfall Mark Twain is one of the greatest humorists and writers that the world has ever seen. Mark Twain had a natural ability to portray the lives of real people and also add a humorous twist to their lives. As most people know, Mark Twain s real name was Samuel Clemens. Samuel Clemens, despite his fame from his books and short stories, did not have success with his financial dealings. Samuel Clemens was a regular man who took financial risks and suffered from them greatl...
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