The FSA is expected to simply ban some products, such complex structured products, for retail investors, as Belgium has already.
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Asset-backed securities are incredibly complex structured investments that, before they could be sold to the public, required myriad legal, regulatory, tax and other opinions and approvals.
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Barclays, HSBC, Lloyds and RBS have all agreed to stop selling the most complex products, called structured collars, to retail clients, and to provide redress to those that bought the most complex products.
It turns out that in addition to being the most convoluted and complex creation ever conceived by JPM which is advising Europe on coming up with structured finance products that are so complex nobody will ask any questions and will automatically assume someone else has done the homework, it is also the quintessential ponzi instrument.
Apple's stock plunge last week has also stung investors who bought complex, bond-like "structured products" tied to the shares, on which losses could top 30%.
Curiously, as the internet has enabled investors to access information regarding investments more rapidly than ever, opaque, complex products, such as hedge funds and structured notes, promising impressive returns that are virtually impossible to verify have proliferated.
It enables them to address new business models and complex challenges, which increasingly require greater access to data coming from sources both structured (for example, revenue and attendance data) and unstructured (such as data collected on fan experience from social media that cannot be easily queried with traditional tools and technologies).
The complex deal, which has been approved by the boards of both companies, is structured as a recapitalization of MetroPCS, which will be the surviving company, keep its stock listing, but take on the T-Mobile name.
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Haiku, the Japanese structured poem of 17 syllables, delivers in a few words something distinct and often complex.
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But I fully endorse it as an invaluable resource for entrepreneurs who are seeking to incorporate a structured process by which to evaluate something as small as a new feature or as complex as developing an entirely new business altogether.
Structured products like collateralized debt obligations have lost billions in value as the loans underlying their complex structures deteriorate.
Still, interviews with family members and former business associates, Pritzker attorneys and tax specialists, as well as reviews of court documents going back awhile, give a pretty good idea of how these trusts are structured and how they work. (Tom Pritzker declined repeated requests to comment.) They are complex--constructed to discourage outside inquiry--and brilliantly exploitive of loopholes in the tax code.
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