quicksilver
Forumer storico
dan24 ha scritto:
hai visto che i conti di audi e mercedes sono andati benino? (al contrario di bmw)
approposito come è la situazione del motore del tuo catorcio nuovo?
Quelli del t-bronx - (TRC) Trikeko Rekkia Club - VM18
- Creatore Discussione ditropan
- Data di Inizio
hai visto che i conti di audi e mercedes sono andati benino? (al contrario di bmw)
approposito come è la situazione del motore del tuo catorcio nuovo?
dan24
Forumer storico
QuickS ha scritto:hai visto che i conti di audi e mercedes sono andati benino? (al contrario di bmw)
approposito come è la situazione del motore del tuo catorcio nuovo?
mercedes non so come abbia fatto..bmw crack pure lei e la dice lunga ...
per la mia macchina tutto ok...ripresa con motore nuovo..e sconto di 2K
quicksilver
Forumer storico
sempre meno soldi per gli americani da buttare sull'altare del consumismo...
MUTUI: MORGAN STANLEY,VERSO BLOCCO LINEA CREDITO HOME-EQUITY
(ANSA) - ROMA, 6 AGO - Morgan Stanley sarebbe decisa a
congelare la linea di credito garantita ai clienti con un
mutuo-casa.
Stando a indiscrezioni riportate dall'agenzia Bloomberg,
Morgan Stanley avrebbe informato migliaia di propri clienti del
fatto che non sara' piu' consentito ritirare denaro sulla loro
linea di credito legata all'home-equity (differenza tra il
valore dell'abitazione e il mutuo residuo da pagare).
La decisione deriverebbe dal fatto che molti clienti sono
proprietari di immobili che hanno perso valore e la banca ha
quindi intenzione di rivedere i termini di questo tipo di
credito, meglio noto con l'acronimo HELOC.
Morgan Stanley per ora non ha ufficialmente confermato
l'indiscrezione, ma la portavoce Christine Pollack ha spiegato
che ''periodicamente Morgan Stanley riesamina il valore delle
proprieta' e del profilo di rischio'', aggiungendo che un
''segmento di clienti ha di recente ricevuto la notifica di un
cambiamento dello status del loro home-equity line of credit,
per via della modifica di valore della loro proprieta' e/o del
loro profilo di credito''. La portavoce non ha precisato
l'ammontare complessivo del credito che e' stato congelato, ma
il provvedimento di Morgan Stanley segue quelli analoghi
adottati da altre banche attive nel credito al consumo e nel
prestito immobiliare, come JPMorgan che, da marzo scorso, ha
informato 150.000 suoi clienti dei cambiamenti nella loro 'home
equity line of credit'.
ma vedendo i dati di ieri io mi chiedo come fanno ancora a spendere piu del mese precedente
MUTUI: MORGAN STANLEY,VERSO BLOCCO LINEA CREDITO HOME-EQUITY
(ANSA) - ROMA, 6 AGO - Morgan Stanley sarebbe decisa a
congelare la linea di credito garantita ai clienti con un
mutuo-casa.
Stando a indiscrezioni riportate dall'agenzia Bloomberg,
Morgan Stanley avrebbe informato migliaia di propri clienti del
fatto che non sara' piu' consentito ritirare denaro sulla loro
linea di credito legata all'home-equity (differenza tra il
valore dell'abitazione e il mutuo residuo da pagare).
La decisione deriverebbe dal fatto che molti clienti sono
proprietari di immobili che hanno perso valore e la banca ha
quindi intenzione di rivedere i termini di questo tipo di
credito, meglio noto con l'acronimo HELOC.
Morgan Stanley per ora non ha ufficialmente confermato
l'indiscrezione, ma la portavoce Christine Pollack ha spiegato
che ''periodicamente Morgan Stanley riesamina il valore delle
proprieta' e del profilo di rischio'', aggiungendo che un
''segmento di clienti ha di recente ricevuto la notifica di un
cambiamento dello status del loro home-equity line of credit,
per via della modifica di valore della loro proprieta' e/o del
loro profilo di credito''. La portavoce non ha precisato
l'ammontare complessivo del credito che e' stato congelato, ma
il provvedimento di Morgan Stanley segue quelli analoghi
adottati da altre banche attive nel credito al consumo e nel
prestito immobiliare, come JPMorgan che, da marzo scorso, ha
informato 150.000 suoi clienti dei cambiamenti nella loro 'home
equity line of credit'.
ma vedendo i dati di ieri io mi chiedo come fanno ancora a spendere piu del mese precedente
dan24
Forumer storico
ditropan ha scritto:perchè sconto ?
si pure pagare....
ovvio era in garanzia...ma gli ho scritto tramite avv. che o mi accordavano uno sconto o mi davano una macchina nuova di pacco...allora hanno deciso per la prima
PILU
STATE SERENI
Buon giorno a tutti, mi dite in breve cosa hanno combinato sti signori .... oggi sono stanchissimo
grazie
Ambac, Using an Accounting Change, Posts Net Income (Update2)
By Christine Richard
Aug. 6 (Bloomberg) -- Ambac Financial Group Inc., the bond insurer that lost 92 percent of its stock market value in the past year, posted second-quarter net income after using an accounting change to record a $5.2 billion gain related to its debt securities.
Net income rose to $823.1 million, or $2.80 a share, from $173 million, or $1.67, a year earlier, New York-based Ambac said in statement today. Excluding gains and other changes in the value of securities it holds and insures, Ambac had a loss of $1.53 a share, compared with an average estimate for a loss of 61 cents from five analysts surveyed by Bloomberg.
Claims on collateralized debt obligations -- responsible for $492 billion in credit losses and asset writedowns at financial firms worldwide -- will rise to $1.1 billion at Ambac, taking likely impairments to more than $3 billion, Ambac said. Ambac, MBIA Inc. and three other bond insurers have posted record losses and were stripped of their AAA ratings after expanding from guarantees on municipal bonds to securities tied to mortgages that are now going delinquent at the highest rate since 1985.
``We won't know for sometime whether Ambac is going to be one of the long-term survivors,'' said Rob Haines, an analyst with CreditSights Inc. in New York.
Without the use of the accounting rule that allowed Ambac to book the gain, ``the numbers look weak,'' Haines said.
``The tumultuous credit markets continue to negatively impact the estimated impairment value of a few of our CDOs,'' Interim Chief Executive Officer Michael Callen, 68, said in the statement.
Starting `Fresh'
Ambac's credit enhancement production, a measure of new business, slumped 95 percent in the quarter to $19 million.
Ambac and MBIA had been losing new business to Hamilton, Bermuda-based Assured Guaranty Ltd. and New York-based Financial Security Assurance Holdings Ltd. Ambac and MBIA had a combined market share of 3.2 percent in the first half of the year, down from 42.2 percent in the same period of 2007.
Ambac, once the second-largest bond insurer, reported a $1.7 billion net loss in the first quarter after a $3.3 billion loss in the fourth quarter of 2007. A rise in the risk premiums on Ambac's own debt in the second quarter lowered the value of bond guarantees, which was allowed to be reflected as a gain under new accounting rules.
Wisconsin regulators are expected to approve Ambac's plan to create a new AAA rated municipal-bond insurer, the company said today. The business, which wouldn't underwrite the structured finance securities that led to Ambac's losses, ``starts fresh with a clean balance sheet,'' Callen said in the statement.
MBIA, once the largest insurer of bonds, is scheduled to report results on Aug. 8. The Armonk, New York-based company had a net loss of $2.4 billion in the first quarter.
Tearing Up Contracts
Ambac rose 54 cents to $4.73 yesterday in New York Stock Exchange composite trading.
The shares have more than doubled since July 28 as Ambac and other bond insurers said they're seeking to cancel guarantees on more than $100 billion of CDOs backed by mortgage securities.
Ambac said last week it will pay New York-based Citigroup Inc. $850 million to tear up a guarantee contract on a $1.4 billion CDO to minimize future losses. In addition to reversing $150 million in losses, the $850 million payment may improve Ambac's capital position and its standing with credit-rating companies.
``The benefit to Ambac will come from reduced risk and improved rating agency capital cushions,'' Gary Ramson, an analyst with Fox-Pitt Kelton, said in a report this month.
Accounting Rule
Net premiums earned rose 47 percent because of a jump in the amount of Ambac-insured bonds that were refinanced during the quarter. Bond insurers book premiums over the life of an insured bond and accelerate recognition of the entire balance if a bond is refunded. These accelerated premiums, which reduce income in future periods, more than tripled to $159.2 million, Ambac said.
Municipalities have been refinancing their Ambac-insured debt to escape higher financing costs that kicked in after the bond insurer lost its AAA credit rating.
Ambac and other financial companies are taking advantage of an accounting standard change -- intended by rulemakers to expand so-called mark-to-market accounting -- to report gains when market prices for their liabilities fall.
The rule was enacted for some companies last year after Merrill Lynch & Co., Morgan Stanley, Goldman Sachs Group Inc. and Citigroup argued to the Financial Accounting Standards Board that it wasn't fair to make them mark their assets to market value if they couldn't do the same for liabilities. The paper profits have helped offset more than $160 billion of writedowns taken by U.S. financial-services companies in the past year as of June
grazie
Ambac, Using an Accounting Change, Posts Net Income (Update2)
By Christine Richard
Aug. 6 (Bloomberg) -- Ambac Financial Group Inc., the bond insurer that lost 92 percent of its stock market value in the past year, posted second-quarter net income after using an accounting change to record a $5.2 billion gain related to its debt securities.
Net income rose to $823.1 million, or $2.80 a share, from $173 million, or $1.67, a year earlier, New York-based Ambac said in statement today. Excluding gains and other changes in the value of securities it holds and insures, Ambac had a loss of $1.53 a share, compared with an average estimate for a loss of 61 cents from five analysts surveyed by Bloomberg.
Claims on collateralized debt obligations -- responsible for $492 billion in credit losses and asset writedowns at financial firms worldwide -- will rise to $1.1 billion at Ambac, taking likely impairments to more than $3 billion, Ambac said. Ambac, MBIA Inc. and three other bond insurers have posted record losses and were stripped of their AAA ratings after expanding from guarantees on municipal bonds to securities tied to mortgages that are now going delinquent at the highest rate since 1985.
``We won't know for sometime whether Ambac is going to be one of the long-term survivors,'' said Rob Haines, an analyst with CreditSights Inc. in New York.
Without the use of the accounting rule that allowed Ambac to book the gain, ``the numbers look weak,'' Haines said.
``The tumultuous credit markets continue to negatively impact the estimated impairment value of a few of our CDOs,'' Interim Chief Executive Officer Michael Callen, 68, said in the statement.
Starting `Fresh'
Ambac's credit enhancement production, a measure of new business, slumped 95 percent in the quarter to $19 million.
Ambac and MBIA had been losing new business to Hamilton, Bermuda-based Assured Guaranty Ltd. and New York-based Financial Security Assurance Holdings Ltd. Ambac and MBIA had a combined market share of 3.2 percent in the first half of the year, down from 42.2 percent in the same period of 2007.
Ambac, once the second-largest bond insurer, reported a $1.7 billion net loss in the first quarter after a $3.3 billion loss in the fourth quarter of 2007. A rise in the risk premiums on Ambac's own debt in the second quarter lowered the value of bond guarantees, which was allowed to be reflected as a gain under new accounting rules.
Wisconsin regulators are expected to approve Ambac's plan to create a new AAA rated municipal-bond insurer, the company said today. The business, which wouldn't underwrite the structured finance securities that led to Ambac's losses, ``starts fresh with a clean balance sheet,'' Callen said in the statement.
MBIA, once the largest insurer of bonds, is scheduled to report results on Aug. 8. The Armonk, New York-based company had a net loss of $2.4 billion in the first quarter.
Tearing Up Contracts
Ambac rose 54 cents to $4.73 yesterday in New York Stock Exchange composite trading.
The shares have more than doubled since July 28 as Ambac and other bond insurers said they're seeking to cancel guarantees on more than $100 billion of CDOs backed by mortgage securities.
Ambac said last week it will pay New York-based Citigroup Inc. $850 million to tear up a guarantee contract on a $1.4 billion CDO to minimize future losses. In addition to reversing $150 million in losses, the $850 million payment may improve Ambac's capital position and its standing with credit-rating companies.
``The benefit to Ambac will come from reduced risk and improved rating agency capital cushions,'' Gary Ramson, an analyst with Fox-Pitt Kelton, said in a report this month.
Accounting Rule
Net premiums earned rose 47 percent because of a jump in the amount of Ambac-insured bonds that were refinanced during the quarter. Bond insurers book premiums over the life of an insured bond and accelerate recognition of the entire balance if a bond is refunded. These accelerated premiums, which reduce income in future periods, more than tripled to $159.2 million, Ambac said.
Municipalities have been refinancing their Ambac-insured debt to escape higher financing costs that kicked in after the bond insurer lost its AAA credit rating.
Ambac and other financial companies are taking advantage of an accounting standard change -- intended by rulemakers to expand so-called mark-to-market accounting -- to report gains when market prices for their liabilities fall.
The rule was enacted for some companies last year after Merrill Lynch & Co., Morgan Stanley, Goldman Sachs Group Inc. and Citigroup argued to the Financial Accounting Standards Board that it wasn't fair to make them mark their assets to market value if they couldn't do the same for liabilities. The paper profits have helped offset more than $160 billion of writedowns taken by U.S. financial-services companies in the past year as of June
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