Just In Time Lending

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The following is an excerpt from Lucent
Technologies’ Management’s Discussion and
Analysis of Financial Condition and Results
of Operations:
Executive Summary
We design and deliver the systems, software
and services that drive next-generation communications
networks. Backed by Bell Labs
research and development, we use our
strengths in mobility, optical, access, data and
voice networking technologies, as well as
services, to create new revenue-generating
opportunities for our customers, while
enabling them to quickly deploy and better
manage their networks. Our customer base
includes communications service providers,
governments and enterprises worldwide.
We have three segments organized
around the products and services we sell.
The reportable segments are Integrated Network
Solutions (“INS”), Mobility Solutions
(“Mobility”) and Lucent Worldwide Services
(“Services”). INS provides a broad range
of software and wireline equipment related
to voice networking (primarily consisting
of switching products, which we sometimes
refer to as convergence solutions, and voice
messaging products), data and network
management (primarily consisting of access
and related data networking equipment
and operating support software) and optical
networking. Mobility provides software and
wireless equipment to support radio access
and core networks. Services provides deployment,
maintenance, professional and managed
services in support of both our product
offerings as well as multi-vendor networks.
Beginning in fiscal 2001, the global
telecommunications market deteriorated,
resulting from a decrease in the competitive
local exchange carrier market and a significant
reduction in capital spending by established
service providers. This trend intensified
during fiscal 2002 and continued into fiscal
2003. Reasons for the market deterioration
included general economic slowdown, network
overcapacity, customer bankruptcies,
network build-out delays and limited availability
of capital.
We believe that the market for telecommunications
equipment has stabilized
and is starting to grow in certain areas. The
growing demands of enterprises and consumers
for additional services tailored to
their needs is creating the need for a new
convergence of networks, technologies and
applications.
Required
1. Using the Consolidated Balance
Sheets for Lucent Technologies for
September 30, 2004 and 2003, prepare
a common-size balance sheet.
2. Evaluate the asset, debt, and equity
structure of Lucent Technologies, as
well as trends and changes found on
the common-size balance sheet.
3. What concerns would investors and
creditors have based on only this
information?
4. What additional financial and nonfinancial
information would investors
and creditors need to make investing
and lending decisions for Lucent
Technologies?
C A S E S
Case 2. 1 Lucent Technologies
Understanding

Inflation stays the same, but debt fears could grow

I’m not looking for debt consolidation or the kind of counseling that helps you pay off debts. What I’m looking for is someone to sit down with for a couple minutes to help me understand my credit reports and maybe suggest a course of action.

I am not very qualified at this type of thing and I can’t seem to understand my credit report. I have two negatives on it and they both look like the same thing. The account number is the same. What I think is it’s a credit card I had a long time ago when I was young and dumb that I defaulted and I was closed. It looks like Wells Fargo sold the account to a collection agency because the negative item that is titled Wells Fargo Card Services says it was charged off and the month after it was charged off, a new negative item shows up under the title of a collections company with the same account number as the Wells Fargo item and the same balance. It even says the original creditor was Well Fargo and that it is a factoring company account. I can’t tell if both these negatives are for the same thing because this report might as well be written in a different language to me but, as far as I can tell is they are. What I don’t understand is they’re docking me twice for the same debt. Why is that?

I was hoping to negotiate some kind of pay for deletion but how can I do that if there are two negative reports for the same debt. Since one debt is charged off, it doesn’t even seem like they would help me since they probably already got paid and sold it to collections. Also, I really don’t want to pay off both these debts if they’re both the same thing.

Anyways, back to the original question. Is there anywhere to go for simple advice and help without getting into any kind of consolidation programs or anything. Does anyone have any insight on this situation. Preferably insight that is related to my question and its answers. I would not appreciate feedback from the type of people that write not to answer a question but to give your unwanted opinion on my situation. Thanks in advance for any help.

4 Oct 2011 Bloomberg “I strongly support efforts to put our fiscal sustainability on a longer-term path. That being said, unfortunately the brinksmanship over the summer that the US might consider defaulting on its debt. . . . . I think this was a negative for the financial markets. It was the reason that the downgrade occurred. S&P cited the political process more than the debt outstanding. I support bi-partisan efforts to bring our fiscal position under control – I do sincerely submit to you that doing it in a way that raises the risk of default on our debt will be counter-productive. Because that will lead to higher interest rates which will make deficits worse which goes exactly against the purpose of the exercise. “

Precisely, how does national debt management differ exactly, between two nation states such as: the UK, with its own sovereign currency (the pound) and Greece with a single currency union (the euro)??

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