Chapter 4: MODES OF EXTINGUISHING OBLIGATIONS a) By payment or performance b) Loss of the thing due c) Condonation or remission of the debt d) Confusion or merger e) Compensation f) Novation In addition: g) Annulment h) Rescission i) Fulfillment of a resolutory condition j) Prescription k) Death of a party in case the obligation is personal l) Mutual desistance m) Compromise n) Impossibility of fulfillment o) Happening of fortuitous events PAYMENT or PERFORMANCE
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expenses. The rising of college tuition scares many‚ even though they yearn for a college degree. Two reasons for this struggle are that college costs are taking a monumental percentage out of Americans salaries‚ and most importantly the large amount of debt students await after graduation. Even though many people succeed in our country today‚ most Americans struggle to send their child to a good college to fulfill his or her dream. Even though many Americans succeed in our country today‚ most Americans
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Global interdependence Visible Imports: Physical goods which are imported into a country. Visible exports: Physical goods which are exported. Invisible imports: services (whatever you cannot touch is invisible eg: interests‚ funds inflows…) which enter a country. Invisible exports: services provided by your country. Balance of trade: income gained from visible exports- costs in paying visible imports. Balance of payments: balance of trade including invisible earnings or costs.+ Trade
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Is college worth it? Some may ask‚ is college worth it? How will I deal with debt from loans? Well‚ for starters‚ college is definitely worth it. College graduates earn more money‚ are more likely to get a job‚ and are more likely to receive benefits such as health care than those with lower education. Let’s start with the benefits of graduating from college. On average‚ college graduates earn more money than those with highschool education. Higher income leads to a higher percentage of not
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Effect of debt on various ratios Through acquiring more debt and repurchasing stocks‚ book value per share decreases due to premium paid for repurchased stocks. More debt would also bring more interest expense to Hill Country‚ which lowers net income. Considering total asset value would remain same‚ return on assets (ROA) would decrease as a consequence of lower net income. The spreadsheet also shows that return on equity (ROE) would increase as debt capital ratio increases. Sensitivity analysis
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reconcile customer accounts deemed noncollectable. When allowed by generally accepted accounting principles (GAAP)‚ these two strategies are preferred over direct write-off of bad debt expenses. Percentage of receivables and percentage of sales provide a business with the ability to accurately estimate the expected bad debt losses they will have in each succeeding fiscal reporting period." Percentage of sales method is a good way to see an estimate for bad allowance under the Henerally Accepted Accounting
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Revenue | $ 6‚000 | Operating Expenses | $ (4‚500) | EBIT (Operating Profit) | $ 1‚500 | | | Debt | $ 1‚200 | Equity | $ 8‚800 | Total Capital | $ 10‚000 | Interest rate on debt = 9% Share price = $25 (MV = BV) The firm is contemplating a leveraged share repurchase that would increase the Debt/Total Capital ratio from the current 12% to 60%. Hayfin’s tax rate is 42%. Calculate EPS‚ Times Interest Earned (TIE = EBIT/Interest
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Robinson English explains how college students acquire debt‚ penalties‚ bad credit‚ and finical ruins before their graduation from the use of credit cards‚ student loans‚ and poor money management skills. Where college students with no knowledge money management and no financial responsibility unknowingly sign up for numerous credit cards with no limit spending from credit card companies ‚ whom prey on them knowing that they have no idea about the debt they have put themselves into without their money
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|35.3 days |20.46 days | |Total asset turnover |1.09 |1.47 | |Debt ratio |.300 |.55 | |Time interest earned ratio |12.3 |8
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the international debt crisis and country risk. Learning Objectives: 1* Describe how international banking activities and their regulations have evolved Describe the interaction between public and private sector borrowing and balance of payments developments 2* Discuss the history and evolution of the Eurocurrency market and analyze how its presence affects a typical bank’s balance sheet 3* List the major developments in the area of risk‚ especially international debt crisis 4* Identify
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