Guest lecture by Brad Walters, General Manager, Financial Analytics, Corporate Scorecard held at the Australian School of Business, UNSW

Finance Credit rating unswcommunity

www.downsizinggovernment.org The federal government's debt may soon be downgraded by major credit rating agencies. What would that mean? Video produced by Caleb O. Brown and Austin Bragg

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While the US finds itself in danger of a credit ratings downgrade due to a national debt crisis, a number of European countries have seen their status fall even further. Stand & Poor's, Moody's and Fitch - the three largest US-based credit rating agencies - have been criticised by European policymakers who say they have been too quick to downgrade indebted EU states during the euro zone debt crisis. Rainer Bruederle, the head of German Chancellor Angela Merkel's coalition partners in parliament, has put forward a proposal on Friday to to launch a privately funded, independent European agency to break the dominance of the three main US houses, according to Handelsblatt, a German newspaper. "Trust in the statements of the opinion-oligopoly of the three largest US agencies is one of the reasons that risks in financial markets became known too late," the business daily quoted him as saying. Nadim Baba reports from London, the UK capital.

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S&P has downgraded the United States' top AAA rating. The agency cuts the long-term US credit rating by one notch to AA+ with a negative outlook, citing concerns about growing budget deficits. Downgrade could further erode global investors' confidence in the world's largest economy, which is already struggling with huge debts, unemployment of 9.1 per cent, and fears of a possible double-dip recession.

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Was the huge stock market drop on Wall Street caused because S & P downgraded the US credit rating? Cenk Uygur sets the record straight. The Largest Online News Show in the World. Google+: www.gplus.to Facebook: www.facebook.com Twitter: twitter.com Subscribe: bit.ly

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improveyourscore.org Who Else Wants to Know How I Raised My Credit Score Over 200 Points by Downloading Credit Repair Magic?

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Do you know how to get a high credit score?

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Watch and listen as I call my credit card company and ask for a lower interest rate.

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Shows how the self serving credit agencies were central to the credit crunch

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Trying to increase your credit score? Here are the 3 best ways to improve any credit score.

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Calling the recent deficit-reduction deal inadequate, Standard & Poor's downgraded the US long-term sovereign credit rating to AA+ from its top rank of AAA. CNNMoney reports.

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www.thesoapboxroadshow.com Introductory Statement by Chairman Carl Levin - From Senate Committee hearings. The credit rating agencies are; Moody's, Standard and Poors, and Fitch....QUOTE: "Concluding a two-year bipartisan investigation, Senator Carl Levin, D-Mich., and Senator Tom Coburn MD, R-Okla., Chairman and Ranking Republican on the Senate Permanent Subcommittee on Investigations, today released a 635-page final report (PDF, 6MB) on their inquiry into key causes of the financial crisis. The report catalogs conflicts of interest, heedless risk-taking and failures of federal oversight that helped push the country into the deepest recession since the Great Depression." levin.senate.gov

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Managing credit doesn't need to be scary, go to www.capitalone.co.uk to find out more. If you need to improve your credit score or want to know what a credit rating is, this Credit Made Clearer video will explain and show you how to improve your credit history. Credit Made Clearer is an initiative designed to help people dispel the myths, clear up the jargon and help them make the most of their credit card. For more helpful information, please visit us at www.capitalone.co.uk

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The Credit Rating agencies have helped cause this crisis by (a) being for profit organizations whose ratings are paid for by the sellers of financial instruments and (b) giving advice that might be useful in episodic events but which makes systemic crises worse.

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Link to full story www.nosugarcoatednews.com Dow Jones Industrial Average plummets 699 points this week with no sign of ease. The credit rating of the United States is downgraded by Standard and Poor for the first time in history. Iran's Revolutionary Guard Commander is named the president of OPEC. Food stamp recipients rise to a record 45.8 million. Fannie Mae seeks 5.1 billion more from taxpayers. Navistar cuts 450 manufacturing jobs in Coburg, Oregon. All while Obama is having a hip-hop barbeque, telling us things are getting better.

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Standard & Poors downgrades US credit rating from AAA to AA+. John Chambers, head of sovereign ratings at S&P, discusses with Anderson Cooper why.

Standard Poors Downgrades United States Credit Rating From AAA To AA+ Such Is Life Videos

Standard & Poor's has cut Greece's credit rating by three notches to CCC, the lowest rating of any sovereign nation in the world, as European finance ministers prepare to discuss a new aid package for the country. The agency said it believed that Greece's recession "could well persist into 2012 and thus may further erode internal political support for the revised EU/IMF programme". Greece responded by accusing Standard & Poor's of ignoring reform efforts in Athens and European Union talks on debt aid. Al Jazeera's Paul Brennan and Alan Fisher report from Athens

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The logistic function can be used to transform a credit score into a probability of default (PD). The advantages of the logistic are (i) it easy to calculate and (ii) as a cumulative distribution function (CDF) the output is, appropriately, a probability between 0 and 1.0. In this video, I show two approaches to the exponent, which itself is the negative of a product of vectors (-b*x). First, the two-factor linear probability model that produces a "credit score;" the credit score is then transformed into a PD. Second, an illustrated usage which starts with "internal credit ratings" from 0 to 100, with 100 representing perfect credit quality; in this case, the internal credit rating is adjusted to a scale usable to the logistic, then the logistic function is again used to compute a PD. The spreadsheet is available on our website!

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Democratic party leaders blamed ultra-conservative factions within the Republican party for the drop of long-term US credit rating from a sterling AAA to AA+, calling it a "Tea Party downgrade." Images and soundbites. Duration: 00:41

WEB US POLITICS ECONOMY PUBLIC DEBT AFP

Why haven't the credit rating agencies paid any price for their involvement in the 2007 financial crisis? Are they being too severe on the EU members? Is it a way to make up for their fatal mistakes? Or can they be trusted when rating the sovereign debt as they're not paid for it? Is there a way to regulate them without undermining their independence? CrossTalking with Gary Witt, Mark Calabria and Richard Eskow on Dec. 14. CT on FB: www.facebook.com

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ClickHereForMore.info - Watch the rest of the credit repair report video. Learn how to improve your credit score. Kick ass advice by free credit score insider.

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Credit rating agencies too powerful? Victor, from Fontainebleau, France: "How did credit rating agencies manage to acquire such power over the European Union economy?" André Sapir, Professor of Economics at the Free University of Brussels: "The simple answer to that question is that gradually, where governments displayed weaknesses in the euro zone crisis, the credit rating agencies took a bigger and bigger role. That might seem paradoxical because at the start of the crisis the agencies were criticised a lot, and rightly so, to some extent. ... www.euronews.net

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The United States' prized top AAA credit rating has been cut for the first time ever. Standard & Poor's has dropped America's ranking to AA+.The downgrade came too late to hit Europe's stock markets - which have already taken a hammering this week - being battered by the Eurozone and America's debt difficulties. RT's Daniel Bushell is monitoring the fallout in Brussels. RT on Twitter: twitter.com RT on Facebook: www.facebook.com

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New banking decisions in the midst of a recession mean even responsible borrows may see their credit scores drop.

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*Breaking News* Anderson Cooper talks to the lead guy at S&P. (company who downgraded US to AA+ rating from AAA rating.)

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The United States' prized top AAA credit rating has been cut for the first time ever. Standard & Poor's has dropped America's ranking to AA+. The destructive force is the crippling debt which Congress has struggled to agree on how to tackle, with only an 11th-hour deal to raise the amount allowed. S&P says that's not enough - and falls far short of what's needed to stabilize the government's runaway borrowing. But the Obama administration says the analysis is way off, and will damage any recovery. RT on Twitter: twitter.com RT on Facebook: www.facebook.com

RT standard and poors S&P sp AAA triple A AA+ AA plus AAA AA downgrade US credit rating US S&P downgrade dow jones Obama economy finance crisis debt deal stock market Congress Senate debt ceiling new york stock exchange NYSE rating agency jobs unemployment index crash trillion dollars United States 1917 Russia Today

Original Source Video: video.cnbc.com The sovereign credit rating downgrade of the United States from AAA to AA+ by Standard and Poors was expected since the ratings agency was looking for 4 trillion worth of budget cuts and only 2.4 trillion worth of (dubious see theeconomiccollapseblog.com budget "cuts" were presented over a 10 year period. Bill Gross, co-founder and co-CIO of PIMCO tells CNBC back on August 2, 2011 that theoretically the downgrade should occur, but that he did not know if Standard and Poors would have the courage to follow through with the ratings downgrade. Bill Gross: "It is a close call on whether or not they [Stand and Poors] have the spine to follow through with their 4 trillion dollar number" Apparently Standard and Poors did follow through with the downgrade even though they made a $2 trillion math error (see www.cnbc.com in their calculations, which was pointed out to them by the US Treasury, whom S&P notified first before the downgrade press release. Full article here: bearishtrader.blogspot.comFAIR USE NOTICE: This video may contain copyrighted material. Such material is made available for educational purposes only. constitutes 'fair use' of any such as provided in Title 17 USC section 107 the US Copyright Law.

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Dec. 29 (Bloomberg) -- Steven Kroll, managing director at Monness Crespi Hardt & Co., and Matt Shapiro, president of MWS Capital, talk about US stock and bond markets and the outlook for the country's Aaa credit rating. They speak with Carol Massar, Julie Hyman and Adam Johnson on Bloomberg Television's "Street Smart."Copyright Bloomberg 2010 § 107.Limitations on exclusive rights: Fair use Notwithstanding the provisions of sections 106 and 106A, the fair use of a copyrighted work, including such use by reproduction in copies or phonorecords or by any other means specified by that section, for purposes such as criticism, comment, news reporting, teaching (including multiple copies for classroom use), scholarship, or research, is not an infringement of copyright. In determining whether the use made of a work in any particular case is a fair use the factors to be considered shall include — (1) the purpose and character of the use, including whether such use is of a commercial nature or is for nonprofit educational purposes; (2) the nature of the copyrighted work; (3) the amount and substantiality of the portion used in relation to the copyrighted work as a whole; and (4) the effect of the use upon the potential market for or value of the copyrighted work. US lose cut Aaa AAA credit rating steven kroll Bloomberg QE2 printing stock market tax increases sovereign debt global markets gold silver dollar euro china

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China has slammed US over its debt. In a strong reaction to the rating downgrade, China has scolded US for its 'debt addiction' and 'short sighted' political wrangling. It's the harshest attack by Beijing on Washington in light of the latest financial scare.

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How to obtain your free credit report from the three big credit bureaus. Be aware that many offers for "free credit reports" are not free. Most offers require you to sign up for additional services in order to obtain your "free" credit report. They then require you to cancel those additional services in order not to be billed on a recurring monthly basis. If you saw an ad on TV for a free credit report, think about how a big budget ad campaign could possibly offer FreeCreditReports. They can not. It is important to monitor your credit reports to make sure that there are no signs of identity theft. You should be looking for any lines of credit (credit cards, bank accounts, second mortgages) opened in your name which you did not sign up for. Visit www.www.IdentityTheft.info for more information about safeguarding yourself and your family.

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EDIT: We've had an AAA rating since 1917. What are your thoughts on the matter?

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How I Got My Song, Leonard Cohen's speech at the Oct 21, 2011 Prince of Asturias Awards is already available on video uploads, all of which suffer from overdubbing in Spanish that sometimes obscures Cohen's words. In this version, however, all but the first 2-3 minutes of the talk are played from an audio tape with no overdubbing. While that portion of the tape contains ambient noise and some volume and pitch fluctuations, it is significantly easier to understand. A direct English transcript is also available at 1HeckOfAGuy.com: 1heckofaguy.com

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