By James Lloyd, Halley Bondy
University is ready far more than simply frats and finals: It's additionally a time while scholars can study new abilities, come upon varied cultures, try out out strength careers, and take a stab at anything new simply because it sounds cool. And as a way to go away university a greater, smarter, and extra fascinating individual than you have been if you began, all you would like is an open brain, a prepared spirit, and (of direction) this ebook! The seventy seven entries integrated right here hide every thing from negotiating the phrases of an house apartment to attending a school-sponsored lecture occasion to webhosting a film marathon – and supplemental sidebars supply bonus counsel for doing every thing cost effectively and good. (Oh, yet take into account: crucial factor to do? Graduate!)
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Investors with this information are allowed, with proper notice,29 to continue to transact in the securities. And while most investors who sign confidentiality agreements take their obligations seriously, it would be rather naive to believe that no other party ever gets a hint or a wink here or there. In sum, in many high-yield and distressed debt situations, the assumption that all investors have easy, equal access to all available and relevant information is simply not true. In some situations, only a limited number of investors will have access to all available information.
And just as coerced confessions often have little to do with truth, coerced sales have little to do with an efficient market. What are the sources of these so-called “coerced sales”? Several are fairly common and widely recognized. First, sales by banks to manage various portfolio quality statistics are often not based on an opinion of fair value. Senior bank executives typically identify certain performance benchmarks as being important to either regulators’ or investors’ perceptions of the bank’s health.
Figure 2-6 shows how the relative number of firms with assets greater than $1 billion that declared bankruptcy increased during this period. 7. The Distressed Debt Investment Opportunity 19 Table 2-1. Investment-Grade Companies Defaulting Within One Year14 Rating One Year Prior to Default Bond Amount ($ Million) 2000 Fallen Angel Defaults Armstrong World Laidlaw Owens Corning Baa1 Baa3 Baa3 1,640 3,400 2,675 2001 Fallen Angel Defaults Comdisco Enron Finova Group Pacific Gas & Electric Southern California Edison USG Baa1 Baa1 Baa3 A2 A2 Baa1 5,500 13,000 11,700 19,300 11,400 1,000 2002 Fallen Angel Defaults AT&T Canada Banco Commercial Banco de Montevideo Covanta Energy Duty Free International Energy Group Overseas Genuity Intermedia Communications Kmart Marconi Corporation MCI Communications NRG Energy NRG Northeast Generating NRG South Central Generating Petroleum Geo-Services PG&E National Energy Group Qwest Capital Funding Teleglobe TXU Eastern Funding TXU Europe WorldCom Baa3 Baa3 Baa3 Baa2 Baa2 Baa1 Baa2 Baa2 Baa3 Baa2 A3 Baa3 Baa3 Baa3 Baa3 Baa2 Baa1 Baa1 Baa1 Baa1 A3 2,960 220 300 249 115 500 2,000 3,122 2,481 3,272 2,640 2,455 750 800 1,460 1,000 12,903 1,224 2,136 150 23,245 2003 Fallen Angel Defaults British Energy plc Lumbermans Mutual Casualty Northwestern A3 Baa1 Baa2 658 700 1,294 Company Name Source: Moody’s Investors Service From the perspective of the smaller scale distressed debt investor, periods when there are an above-average number of large-scale bankruptcies can be particularly opportune because the larger situations often draw the attention of bigger distressed fund managers, who either overlook, are too busy, or inten- 20 Distressed Debt Analysis: Strategies for Speculative Investors 2500 2000 1500 1000 500 02 01 20 00 20 99 20 98 19 97 19 96 19 95 19 94 19 93 19 92 19 91 19 90 19 89 19 88 19 87 19 86 19 85 19 84 19 83 19 82 19 81 19 19 19 80 0 Figure 2-5.