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In this crisis, leverage is called into question?

In recent months talking with entrepreneurs and banks, I realized that the leverage was put in the dock.
The concept of leverage is very simple and is based on the assumption that the amount of an investment is not necessarily equal to the capital available, but can overcome it.
In principle, a subject that has at its disposal a capital of 1000 may make investments of 1000. This is the logic for example, followed by the savers.
the market realities and in particular business, you can invest an amount well above the capital you have available, thereby boosting both profits and losses.
In the logic of industry, the capital that they have available is of two types: equity, namely the money that the entrepreneur has the enterprise, and external capital, and that the funding that has been done firm by suppliers and banks.
Everything (or almost) the concept of leverage is based on the proportion between the equity and media third, because in the jargon of banks and financial analysts, it is stated as " Leverage "or relationship indebtedness, the result of the following division:
(equity + net debt) / equity
A report of 1, means that the firm finances its investments only with equity (ie, with money coming out directly from the pockets entrepreneur). So whenever this ratio exceeds unity, it means that the company is using, as well as the financial capital also means third parties. This
leveraged companies, has always been seen historically with love and hate by banks, and recently, together with other circumstances, has become the dominant reason for the decline in the supply of credit businesses.
The impression I have in recent months is that the organization is located between Scylla and Charybdis and do not know where to jump in order to continue their investment, sometimes to stay afloat in this particular period.
Are there solutions?
The concept of leverage may suggest something, that is, as the net debt has been reduced or are no longer available as in the past, the employer must re-open your wallet and invest equity in his business.
This aggravation of the concept of leverage, ultimately it is the solution that many entrepreneurs are speculating, and someone calmly declares that making a choice of this type, it is only the balance, the economy of the years in which leverage was brutalized by exaggerating the action sometimes rashly undertaking to bank credit.
And the banks what they think?

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The derby of the Virgin Mary. Today Inter Milan

This evening will take place on the legendary derby between Inter and Milan, and as always the city under a warm sun is already super-excited for this great classic challenge. E 'Needless to say, may the best win, because talking is so sporty.

The story of the victories of the challenge is Milanese to team Inter ( 30 wins: 28 Draws: 27 Losses ).

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Amortization of the loan to the French. According to the Court of Bari is unlawful.

The Court of Bari, Section detached Rutigliano, with the decision of 29 October 2008 established the illegality of the loan to the French. Interest
agreed in excess of what lawyers should be determined in writing, otherwise they are due to the extent legal, in accordance with what is established by art. 1284 of the Civil Code. This is the principle on which, among other things, it based the decision of the Court of Bari, October 20, 2008, No 113.
The writing, the agreed interest, is procedural request, failing which the penalty is that the invalidity of any other form.
times, and is most often the case, the best interests of the statutory rate (Ultralegali) are determined according to the custom of the formula (illegal) "use the streets" (interest rates usually refer to the terms offered by banks on the square). In the sentence in comment
the focal point of dispute to the bank is that the contractually agreed rate was lower than the (effective rate) applied to the semi-annual installments, and determined by a special CTU (expert witness) ordered by the court . In this case the Judge found that the annual rate equivalent to the nominal half-year was higher than that agreed upon. For example, where he had contracted that the annual rate was 13.8%, was then applied to half the rate of 6.9% (13.8: 2) as would have applied the semi-annual equivalent rate of 6.6771%, which led to the bank's customer a greater outlay in each installment paid.
The judge ruled that the depreciation in French means the interest return to a greater extent, because it applies the compound interest, using an actuarial formula, evading the regulatory provisions that wants the simple interest.
The ruling under review in the calculation of a profile is free from defects, and this simply because the judge found the application of an effective rate different from that agreed upon in practice, regime because of compound interest, such as a nominal annual rate of 12% is not equivalent to a six-month rate of 6%.
In the reality of practice, especially because sometimes the calculation of interest from the bank account can be complex, it is always best, before legal challenges, verify the correctness of what has been agreed, or if action is taken to challenge to use CTP ( expert witnesses ) who has specific expertise on the subject and actuarial techniques.
look the other cases and, most importantly, the court of legitimacy

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