Exacerbating the problem is that as home prices have decreased, many lenders have increased the down-payment amount required to obtain a mortgage loan.
FORBES: Down Payment on Home Out of Reach for Half of U.S., Poll Finds
Adjust the reserve to a more typical level--and thereby move the tangible book down by a like amount--and Citi doesn't look so cheap.
That could mean losing her down payment - not a small amount of money.
Generally, I prefer a primarily bottom-up approach with a healthy amount of deference to the top-down, regardless of market cap, and I think such a combination works especially well for penny stocks.
They include raising stamp duties by five to seven percentage points, increasing down-payment requirements, and lowering the amount some home buyers are allowed to borrow relative to the value of the property they are purchasing.
Paulson took down a proportionate amount of equity (0-10% tranche).
Skipping that two-week vacation, cutting down on the amount you spend dining out, and saving your next raise or bonus, are also simple methods of adding to your emergency fund.
Others may be created online, in the form of low-noise social networks that dial down the amount of chatter so that sustained themes can be developed by a much smaller number of people.
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Under current rules, higher rate taxpayers can donate unlimited amounts of money to charity and offset it against their tax bill to effectively bring the amount of tax they pay down - sometimes to zero.
All of the content is available on your phone as long as you've got a data connection -- regardless of the amount of storage available on the device -- because it pulls down thumbnails as you scroll through your gallery and requests the full-size images in real time as you tap on them.
Facebook cracked down on those to decrease the amount of spam-like updates from such social games across the social network.
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This combination of outcomes - according to the FT - will force the OBR to revise down the amount of economic slack available, to 2.6% of GDP.
The exact amount of the current write-down was not released.
Competition suits customers, but it also carries the risk that clearing-houses will water down standards on the amount of margin they demand, for instance to win deals.
Once inside, the zinc then put the brakes on further activity in the NF-kB pathway, slowing down the immune response and limiting the amount of inflammation, the study, in Cell Reports, indicated.
But if a security trades lower because market interest rates have risen or because of problems in the market itself, requiring an immediate write-down is unduly harsh, because capital is reduced by the same amount.
There is an ongoing three-way debate between those who believe the Fed should do more to strengthen the recovery, those who believe that the recovery is strong enough to continue on its own, and those who believe that the economy has been so fundamentally altered by the recession that no amount of stimulus can succeed in pushing unemployment down to pre-crash levels.
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No amount of magical climate thinking can turn this one upside-down.
One drawback of a fixed-rate reverse mortgage is that you have to draw down the entire loan amount up front and pay interest on the entire amount across the life of the loan.
Campaigners like Alison Garnham argue that the public attitudes have been influenced by tabloid caricatures of benefit scroungers when, in fact, the amount paid to out-of-work people had gone down, in real terms, over the past 40 years.
Finally, in addition to data, investors are funding more unproven, early-stage startups with a smaller amount of upfront capital, later doubling down on those that achieve traction.
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All other denominations would be tokens, made of a metal too cheap to be worth melting down, that could be exchanged for higher-denomination ones (or for a set amount of the precious metal) at a rate fixed and guaranteed by the government.
ECONOMIST: The lessons of sound money from 1,000 years' experience
The addition of a tiny amount of DNA from a third person will be passed down the germ line - through the eggs - to subsequent generations.
Some may still be able to obtain an FHA loan with a low down-payment requirement, but those with poor credit will likely have to put a larger amount down.
FORBES: Down Payment on Home Out of Reach for Half of U.S., Poll Finds
Fearing continued attacks, SPDC announced it was temporarily shutting down operations that will amount to a production loss of 455, 000 barrels per day -- 19 percent of Nigeria's output.
The company also follows the more consumer-friendly policy of throttling or slowing down data speeds rather than charging users who exceed their specified amount of bandwidth.
Rate-setting technocrats cannot permit such a large reduction unless they also drive down deposit rates by a similar amount.
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Calabrese says that many poisons follow, instead, a U-shaped curve: The death rate goes down as the dose climbs from zero to a certain small amount, what you could call the optimal exposure.
Instead of simply looking at a headline price - as they do in a store - the current account shopper needs to sit down with a calculator, a computer, and a considerable amount of time.
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