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Jac Londe

Analyzing General Electric's Debt And Risk - Seeking Alpha - 17 views

  • Analyzing General Electric's Debt And Risk
  • 1. Total Debt = Long-Term Debt + Short-Term Debt
  • 2. Total Liabilities
  • ...7 more annotations...
  • 4. Debt ratio = Total Liabilities / Total Assets
  • 3. Total Debt to Total Assets Ratio = Total Debt / Total Assets
  • 6. Capitalization Ratio = LT Debt / LT Debt + Shareholders' Equity(LT Debt = Long-Term Debt)
  • 5. Debt to Equity Ratio = Total Liabilities / Shareholders' Equity
  • 7. Cash Flow to Total Debt Ratio = Operating Cash Flow / Total Debt
  • 8. Cost of debt (before tax) = Corporate Bond rate of company's bond rating.
  • 9. Current tax rate ( Income Tax total / Income before Tax)
Jac Londe

World debt comparison: The global debt clock | The Economist - 64 views

    Sustainable or unsustainable ? Public Debts are crippling our lives.
Jac Londe

World Debt Clocks - 85 views

    If we want to teach something meaningful, we must use the real facts and let the students decide what to do with those disturbing facts on our nations and their responsabilities. After all, it is their future ...
    As a social science teacher I am always verifying the validity of website. This "World Debt Clocks" seems to be fake. No where can you find where this website gets their information. Also, If you do a WHOISIT domain search you learn the information is "hidden". If you search the address, you come up with a fraudulent online bank. Be careful using this one.
Dave Fones

Japanese Real Estate Bubble Recoverry? - 0 views

  • look at economic trends
  • it is becoming more apparent that we may be entering a time when low wage jobs dominate and home prices remain sluggish for a decade moving forward.
  • looking at the Federal Reserve’s quantitative easing program, growth of lower paying jobs, baby boomers retiring, and the massive amount of excess housing inventory we start to see why Japan’s post-bubble real estate market is very likely to occur in the United States.
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  • both economies had extraordinarily large real estate bubbles.
  • Massive real estate bubble (check) -Central bank bailing out banks (check) -Bailed out banks keep bad real estate loans on their books at inflated values (check) -Government taking on higher and higher levels of debt relative to GDP (check) -Employment situation stabilizes with less secure labor force (check) -Home prices remain stagnant (check)
  • the United States had never witnessed a year over year drop in nationwide home prices since the Great Depression.
  • home prices are now back to levels last seen 8 years ago.  The lost decade is now nipping at our heels but what about two lost decades like Japan?
  • the U.S. has such a large number of part-time workers and many of the new jobs being added are coming in lower paying sectors signifies that our economy is not supportive of the reasons that gave us solid home prices for many decades. 
  • young Japanese workers, some in their late 20s or early 30s, already resigned that they would never buy a home.
  • The notion that housing is always a great investment runs counter to what they saw in their lives.  Will they even want to buy as many baby boomers put their larger homes on the market
  • many of our young households here are now coming out with massive amounts of student loan debt.
  • Lower incomes, more debt, and less job security.  What this translated to in Japan was stagnant home prices for 20 full years.  We are nearing our 10 year bear market anniversary in real estate so another 10 is not impossible.  What can change this?  Higher median household incomes across the nation but at a time when gas costs $4 a gallon, grocery prices are increasing, college tuition is in a bubble, and the financial system operates with no reform and exploits the bubble of the day, it is hard to see why Americans would be pushing home prices higher.
    Explains how Japan has responded to the breaking of their real estate market bubble and the effect it has had on Japan's economy
Kevin Kaeser

Carl '60 Cent' Kasell And The Debt Ceiling : It's All Politics : NPR - 24 views

    Carl Kasell raps about the debt ceiling!
Jeff Andersen

Colleges Using Athletics to Boost Profile - Athletic Business - 1 views

    For many students, the college experience includes game days watching athletes wearing the school colors take the field or court. But in today's environment of rising costs, soaring student debt and declining enrollment, college and university leaders are sometimes finding they have to explain the need for what has become an "arms race" among athletic departments. The argument might be made that much of the money that is required to keep college athletic teams going comes from ticket sales and outside sources such as alumni contributions. The other side of that coin is that some of the cost is borne by students, even those with no interest in sports. In the case of private institutions, it is up to school officials to decide whether the expense is worthwhile. The public has an obvious and greater role in the determination of the role and funding of sports in state institutions.

Resources Released to Teach about Dangers of Loan Sharks | - Supporting th... - 3 views

    Resources support teachers to get pupils thinking about good loans and bad debts
April Grybosky

Countries - Summary Page - 1 views

    Debt estimator arrow down to select a country
Rafael Morales_Gamboa

Noam Chomsky on Democracy and Education in the 21st Century and Beyond - 38 views

  • So a lot of public education was, in fact, concerned with trying to teach independent people to become workers in an industrial system.
  • we have to train them in obedience and servility, so they're not going to think through the way the world works and come after our throats.
  • One can at least be suspicious that skyrocketing student debt is a device of indoctrination
    • Rafael Morales_Gamboa
      My landlord in Edinburgh, Peter Sinclair, used to say that students do not protest these days because they all have loans to pay.
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  • "the failures of the institutions responsible for indoctrinating the young."
  • It's not just you learned how a mosquito flies in the rain, but you learn how to be creative and why it's exciting to learn things and create things and make up new things. And that can be done from kindergarten on
  • There are a lot of factors. And one of them, probably, is just that students are trapped
  • First of all, the existence of the advertising industry is a sign of the unwillingness to let markets function. If you had markets, you wouldn't have advertising. Like, if somebody has something to sell, they say what it is and you buy it if you want. But when you have oligopolies, they want to stop price wars
  • there's no real economic reason for high-priced higher education and skyrocketing student debt
  • It doesn't matter how much you learn in school; it's whether you learn how to go on and do things by yourself
Jac Londe

Real Time US National Debt Clock - 33 views

    Why should we get rid of money ? Pourquoi devons-nous nous débarasser de la monnaie.
Ian Jenkinson

Searching the Web - 7 views

    Weblinks on issues of interest to humanities studies.
kurt stavenhagen

steindl-rast | zen writ - 12 views

  • combine our intellect with will and our emotions, only than can we truly understand the meaning of gratefulness.
    • kurt stavenhagen
      Sometimes I think that he tries too hard to separate the intellect from the will. I wonder on a physiological level what this looks like in the brain: are their separate components in the brain for recognition and judgment. Perhaps there are. If so, should those be the terms rather than intellect and will?
  • its not giving up.
  • back to bed again”
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  • haven’t reached them yet
  • Just to be living on this earth in this solar system in this galaxy in this universe is immensely rare and lucky.
  • to recognize is to accept something as true, but to acknowledge is to have a perspective, or how you choose to view that recognizable truth.
  • Some people feel the rain, and others just get wet
  • acknowledgement is perspective.
  • uses the word surprise as a way of saying be mindful and appreciate the little things in life that go on around you
  • ollowing this quote the author goes on to
  • because many of use feel a moral obligation to return our benefactor the favor thus making the seemingly “gratuitous act” a debt that we must repay by giving our own gift.
  • the bonds of interdependence set us free
  • once you can acknowledge a gift for a gift and acknowledge dependence then you’re free to go forward into full gratefulness.
  • yesterday morning my friend, knowing that I’m not an early bird, brought an extra granola bar to class just to give it to me which was a surprise that I had not expected. This was merely a simple surprise that I felt then, but after I thought it over again, this surprise made me realize how grateful I felt for having a such friend
  • By allowing ourselves to be helped in life and understanding that receiving help is not a show of weakness but in fact a show of mindfulness, we open ourselves up to the surprises and pleasures of communicating with people on a regular day basis
  • independent vs dependent. Being considered “legally” independent I have truly learned how dependent I am for others.
  • I always thought why would I hassle someone else for my incompetency
  • that weak need to feel weak in order to grow. We need to put everything out there and grow and learn from our experiences.
  • Letting weakness show is one of the strongest things we can do in order to know ourselves at a deeper level
  • Helping someone, whether it is a friend, neighbor or family member is something one should do out of the goodness of our heart. Everything comes full circle,
  • it is a personal choice to help others, and my way of reminding myself that I am grateful to be here,
  • I know what a horse looks like, feels like and moves like, but every time I go visit, I am still surprised and amused just by watching the horses out in the field.
  • The more grateful you become the more you appreciate life, which in a sense does make you younger because you are embracing living life
  • When my dad and hundreds of others died on 9/11/01 you could notice something different in the air.
    "teindl-Rast inspired me to start working on a project that I have been putting off. (ironically when I chose to read this passage I was procrastinating) There is never an ideal or perfect time for any person to start any task. Instead of taking this moment right now, we co"
Robert Wells

The Life of Geoffrey Chaucer (c. 1343-1400) [Chaucer Biography] - 42 views

  • Chaucer went to the war in France.
    • Robert Wells
      What prompted Edward III to pay ransom for Chaucer's release? Did someone have the King's ear or was he a valued servant of the court?
  •   In the grant of his pension Chaucer is called "dilectus vallectus noster," our beloved yeoman; before the end of 1368 he had risen to be one of the king's esquires.
  • ...21 more annotations...
  • Michaelmas,
    • Robert Wells
      Michaelmas = the Feast of St. Michael the Archangel.
  • In the second quarter of 1374 Chaucer lived in a whirl of prosperity.
  • During the next twelve or fifteen years there is no question that Chaucer was constantly engaged in literary work,
  • bundant f
  • In October 1385 Chaucer was made a justice of the peace for Kent.
  • Philippa Chaucer
  • In August 1386 he was elected one of the two knights of the shire for Kent, and with this dignity, though it was one not much appreciated in those days, his good fortune reached its climax.
  • While on the king's business, in September 1390, Chaucer was twice robbed by highwaymen,
  • In 1397 he received from King Richard a grant of a butt of wine yearly. For this he appears to have asked in terms that suggest poverty, and in May 1398 he o
  • btained letters of protection against his creditors, a step perhaps rendered necessary by an action for debt taken against him earlier in the year.
  • he died, on the 25th of the following October. He was buried in Westminster Abbey, and his tomb became the nucleus of what is now known as Poets' Corner.
  • the king granted him a pitcher of wine daily,
    • Robert Wells
      His literary period.
  • The development of his genius has been attractively summed up as comprised in three stages, French, Italian and English,
  • Boccaccio's
  • Petrarch's sonnets,
  • occaccio's Decamerone, a book which there is no proof of his having seen.
  • avour was shown him by the new king
  • On the 8th of June he was appointed Comptroller of the Custom and Subsidy of Wools, Hides and Woodfells and also of the Petty Customs of Wine in the Port of London.
  • ars old, and that he was still unma
Maureen Greenbaum

SNHU: How Paul LeBlanc's tiny school has become a giant of higher education. - 1 views

  • Students are referred to as “customers.”
  • t deploys data analytics for everything from anticipating future demand to figuring out which students are most likely to stumble.
  • “Public institutions will not see increasing state funding and private colleges will not see ever-rising tuition.”
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  • tackle what colleges were doing poorly: graduating students. Half the students who enroll in post-secondary education never get a degree but still accumulate debt
  • school spends millions to employ more than 160 “admissions counselors” who man the phones, especially on weekends, guiding prospective students into the right degree program
  • vast majority are working adults, many with families, whose lives rarely align with an academic timetable.
  • “College is designed in every way for that 20 percent—cost, time, scheduling, everything,” says LeBlanc. He set out to create an institution for the other 80 percent, one that was flexible and offered a seamless online experience
  • low completion rate can be blamed partly on the fact that college is still designed for 18-year-olds who are signing up for an immersive, four-year experience replete with football games and beer-drinking. But those traditional students make up only 20 percent of the post-secondary population.
  • online courses are created centrally and then farmed out to a small army of adjuncts hired for as little as $2,200 a class. Those adjuncts have scant leeway in crafting the learning experience.
  • An instructor’s main job is to swoop in when a student is in trouble. Often, they don’t pick up the warning signs themselves. Instead, SNHU’s predictive analytics platform plays watchdog, sending up a red flag to an instructor when a student hasn’t logged on recently or has spent too much time on an assignment
  • highly standardized courses, and adjuncts who act more like coaches than professors
    The Amazon of Higher Education- How tiny, struggling Southern New Hampshire University has become a behemoth.
Cathy Yungmann - 5 views

    Massive fine to federal Education Department for continuing to defraud former for-profit college loan students.
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