The mortgage debt cannot be more than 4 times the annual income. steady income, tax returns, pay stubs, good credit (good history of paying back money, how risky you are as a borrower).
FICO score or Fair Issac Corporation. They collect money through Equifax, Experian ot Transunion. Credit score can be checked through Equitac? Experian, transunion.
Is credit score is low, pay in time so you can get loan in an attractive industry. Investors get money from company.
Common stocks have the highest returns. It is a certificate that indicates ownership in part of a corporation. Stock is singular version of shares (pieces of company). Buying a share means being owner for part of the company meaning being a share holder or stock holder. Shareholders have the right to vote on the company matters, elect board of directors, change corporate charter. They pick from a list of nominees chosen by the management. The stock pays a dividend that shareholders get back from company in profit every year.
Credit risk
AAA.
AA means very low credit risk, very low leverage and growth, positive cash flow generation, consistent dividend payment and consistently being able to pay dividends and maintain ratios.
A it is similar to AA. High leverage due to M&Acquisitions or capital expenditures. They have access to debt market, they have strong financial ratios based on healthy business model, they generate enough cash to pay equity investors or debt investors healthy and safe rate of returns.
BBB: moderate risk. Modest dividend payment. They have strong capacity to serve debt in next three years. They can survive next business cycle and they are able to pay debt and reduce leverage if dividends cut.
BB (High risk): Volatile cash flows. Tight but positive cash flow coverage in two years. They have high leverage and little discretionary cash flow. In recession, the leverage increases. They have weak financial ratios. There’s no indication they will go bankrupt in recession.
B (very high risk): They need to cut costs to maintain debt service. There is no dividend payment. It is a highly leveraged capital structure.
Default
No one fails in credit rating.
Application Lifecycle management
Software creation process. Developers use code to manage their code, testor use different tool to test their project and project managers use different tools. Deployment pipeline building.
Work with different team to understand the requirements of the stakeholders like testors work with business Analysts to understand the requirements, developers work with testors without the need for various softwares. Project life cycle allows overview of teams productivity and work delivered making estimation of work easier and more comprehensive. With applications life cycle one software can make the work much easier.
Quality Centre
Test and defect management, developer collaboration, risk based test planning, sprinter, UFT and BTP integration. Reporting am graphing.
Collection of manual tests stored in one repository with step by step tracking of excepted and actual results. Dashboard can be built for configuration for built in infrastructure, these dashboards can be published so the team members can subscribe for free.
Credit scoring, for example, a well known application used in financial services, analyses various factors such as credit history, account information, loan repayment history etc for the customer application and provides a credit score which represents the likelihood of his/her repaying the future debts.
Data Centric 