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Author: admin | Category: Calculatrice Pret Auto | Date: 26.04.2015

And to think, we were so naive to believe that today was the day GM and Chrysler were supposed to show the Federal Government how they were going achieve financial sustainability and declare how they would pay back the outrageous sums of money they already borrowed.
The scary news for workers is that GM did present a restructuring plan, one that would see 47,000 jobs lost by the end of 2009 and 5 U.S.
WASHINGTON – General Motors (NYSE: GM) today presented the United States Department of Treasury with an updated plan that boldly responds to the weaker global auto market conditions and details the company’s long term viability. The plan submitted today addresses the key restructuring targets required by the loan agreement, including a number of the critical elements of the turnaround plan that was submitted to the U.S. Overall adjusted operating cash flows are expected to approach breakeven levels in 2011, and improve to more than $6 billion in the 2012-2014 period, reflecting both the full effect of GM’s global restructuring initiatives and recovering industry volumes.
GM’s need for government support was driven by the global financial market crisis, dramatically weaker economy and the resulting precipitous decline in vehicle demand. Building on progress GM has already made, the company is taking a number of additional actions to reduce costs, streamline its business and improve its competitive position.
GM has conducted a strategic review of the global Saab business and has offered it for sale. Saturn will remain in operation for the next several years, through the end of the planned lifecycle for all Saturn products.
GM’s dealer count is also projected to be further reduced, from 6,246 in 2008 to 4,700 by 2012, and to 4,100 by 2014. The investments in this restructuring plan will allow GM to become a long-term global leader in the development of fuel efficient and advanced technology vehicles. In order to improve capacity utilization and cost competitiveness, GM has consolidated its manufacturing footprint considerably by closing 12 manufacturing facilities in the U.S. Agreements with the UAW concerning several items have been completed and are now being implemented. GM’s management estimates that these competitive improvements will further substantially reduce GM’s labor costs and represent a major move to close the competitive gap with U.S. While these changes materially improve GM’s competitiveness and help the company realize a substantial portion of the labor cost savings targeted in the financial projections, further progress will be required to achieve the full targeted savings. Canada – Discussions are well advanced with the Canadian Federal and Ontario governments regarding long-term financial assistance to execute the restructuring actions necessary for long-term viability and with the Canadian Auto Workers (CAW) union on achieving competitive labor costs.
Progress has also been made with the Canadian Federal and Ontario governments toward an agreement focused on maintaining proportional levels of manufacturing in Canada and on providing GMCL with a level of long-term financial assistance that is proportional to the total support provided to GM by the U.S. GM remains optimistic both agreements can be completed by that time, which would enable GMCL to achieve long-term viability and enhance the value of GM. Europe – Europe is a highly competitive environment that is unprofitable for many vehicle manufacturers, and has a relatively costly restructuring environment. Asia-Pacific – In light of current market conditions, GM is reconsidering the pace of its expansion in the Asia Pacific region.
As outlined in the GM viability plan, approximately $27 billion in unsecured public liabilities currently on the company’s balance sheet will be converted to a combination of new debt and equity, for a net debt reduction of at least $18 billion. Discussions with representatives of the UAW VEBA have also been progressing, and due diligence is also proceeding with respect to reaching agreement to convert at least half of future VEBA payments to equity. To complete its aggressive restructuring and fund its ongoing operations amid an uncertain economic environment, GM is requesting the U.S.
In the current baseline forecast, near-term industry volumes are similar to the December 2 downside scenario, and so GM’s forecast indicates the company will need the $18 billion that was requested in December. Therefore, GM is requesting federal funding support of $22.5 billion under its current baseline industry volume scenario. Additional financial support might be required in 2013 and 2014 if GM has to make contributions to our U.S.
During 2009-2014, GM also is requesting funding support from the governments of Canada, Germany, the United Kingdom, Sweden, and Thailand, and has included an estimate of $6 billion in funding support by 2010 to provide liquidity specifically for GM’s operations in these countries.
Finally, the plan submitted today discusses the issue of bankruptcy as a potential option for restructuring, concluding it would be a highly risky, extremely costly and time-consuming process.
GM’s leadership team will continue to work with its key stakeholders and the newly formed Presidential Task Force on Autos as it proceeds with its restructuring. The Subaru BRZ and Ford Mustang are both stylish and sporty coupes but is one of these models a better choice for enthusiasts than the other? Watch our Short List video to learn about the top 10 most unreliable cars on sale right now, according to our friends at Consumer Reports. ODDS OF WINNING:Odds of winning a prize are determined by the total number of eligible entries received. CONDITIONS:By entering the Sweepstakes, entrants agree to be bound by the Official Rules, Terms and Conditions and that Sponsor has the irrevocable right to use in perpetuity entrants’ names, user names, likenesses, photographs, voices, home mailing address, biographical and prize information, and entry materials, without notice to entrants and without compensation or obligation, in any and all media now or hereafter known throughout the world, in any manner whatsoever, to advertise and promote Sponsor, its products and services, the Sweepstakes, and for any other purpose except where prohibited by law.
Read more about President Obama's, Elizabeth Warren's, and the Republicans' plans to fix student debt.
Below are nine charts that help illustrate that the student loan crisis isn't just about interest rates but about how the cost of college has spiraled beyond the reach of many families and is leaving millions of students and grads with debts that are keeping them from realizing their financial goals. The amount of total student loan debt has soared in the past decade, shooting up from $240 billion at the start of 2003 to nearly $1 trillion today. The rising price of college has contributed to overall student loan debt, but so has the fact that more students are attending college.


Mortgage debt is still by far the biggest category of debt in the United States, totaling over $7 trillion. Even when students pay back their loans on a standard, 10-year repayment plan, the interest does add up. The silver lining to this story is that more Americans are pursuing higher education, even if they are taking out loans to do so. Bay Shore Auto Group Dealer #: 30628 Come on down and when you arrive ask for Bay Shore Auto Group Salesmen. Chrylser says it needs $2 billion more while GM is asking for $4.6 billion to reach its December 2nd request of 18 Billion.
The plan, which provides a comprehensive review of key aspects of GM’s restructuring, is the first of two status reports required by the loan agreement signed by GM and the U.S.
Pontiac will serve as a focused brand with fewer entries, within the Buick-Pontiac-GMC channel. Given the urgency of stemming sizeable cash demands associated with Saab operations, GM is requesting Swedish government support prior to any sale. In the interim, if Saturn retailers or other investors present a plan that would allow a spin-off or sale of Saturn Distribution Corporation, GM would be open to any such possibility. Most of this reduction will take place in metro and suburban markets where dealership overcapacity is most prevalent. 2, 2008 plan, GM is moving ahead aggressively with plans to improve the fuel efficiency of its vehicles and develop a broad range of advanced propulsion technologies. First, a special attrition program has been negotiated to assist restructuring efforts by reducing excess employment costs through voluntary attrition of the current hourly workforce. The CAW has committed to achieving an hourly cost structure that is consistent with what is ultimately negotiated with the UAW.
In the event that an agreement cannot be reached, GM will be required to reevaluate its future strategy for GMCL since it would not be viable on a standalone basis. GM has engaged its European labor partners to achieve $1.2 billion in cost reductions, which include several possible closures or spinoffs of manufacturing facilities in high cost locations. As such, some of the proposed capacity expansion projects and product programs in the region are no longer financially feasible and will not proceed without financial support from either the respective governments or from other partners.
Term sheets have been exchanged and due diligence regarding GM’s restructuring has commenced.
A draft term sheet has been provided to the UAW, and they have indicated their desire to discuss the VEBA situation with government officials prior to signing any such term sheet.
In addition, based on current credit market conditions, it cannot be assumed that the company will be able to rollover the $4.5 billion revolver in 2011. This reaffirms management’s position that bankruptcy is not in the best interests of GM or its stakeholders.
In accordance with the loan agreement, GM will submit its second progress report to the U.S. Sponsor and Prize Supplier shall not be liable to the winner or any person claiming through winner for failure to supply the prize or any part thereof, by reason of any acts of God, any action(s), regulation(s), order(s) or request(s) by any governmental or quasi-governmental entity (whether or not the action(s), regulations(s), order(s) or request(s) prove(s) to be invalid), equipment failure, utility failure, internet failure, terrorist acts, threatened terrorist acts, air raid, blackout, act of public enemy, earthquake, war (declared or undeclared), fire, flood, epidemic, explosion, unusually severe weather, hurricane, embargo, labor dispute or strike (whether legal or illegal) labor or material shortage, transportation interruption of any kind, work slow-down, civil disturbance, insurrection, riot, or any other cause beyond Sponsor’s or Prize Supplier’s control (collectively, “Force Majeure Event”). Entrant waives the right to assert as a cost of winning a prize any and all costs of verification and redemption or travel to redeem said prize and any liability which might arise from redeeming or seeking to redeem said prize.
After the July 4 recess and before most students take out new loans for college in August, Congress will have a window to fix the loan rate. You are far from alone: More than 38 million Americans have outstanding student loan debt totaling nearly $1 trillion, and those numbers are rising fast. Compared to the overall price of consumer goods, college prices have still risen sharply since 1980.
As more students attend college, they're taking out more loans—and bigger loans, too. But as more people have invested in college, the total amount of outstanding student loan debt exceeds auto and credit card debt.
Low-income parents report they are less likely to know how they will pay for their children's college education. The current proposals for changing interest rates on some federal loans could have a big impact on borrowers.
Some economists are troubled by the fact that fewer people under 30 are buying homes and other goods as more are paying for college, but higher education is, on the whole, a solid place to put your money.
The operating and balance sheet improvements outlined in GM’s viability plan are forecasted to result in a significant enterprise value and positive net present value, positive adjusted EBIT in 2010 and positive operating cash flow for its North American operations in the same year. The company has developed a specific proposal that would have the effect of capping GM’s financial support, with Saab’s operations effectively becoming an independent business entity Jan. If a spin-off or sale does not occur, GM plans to phase out the Saturn brand at the end of the current product lifecycle.
Lithium-ion batteries are an essential technology for advanced hybrids and electrically driven vehicles, and an important energy storage technology for other applications.
Given the current very difficult market conditions, GM will close an additional 14 facilities by 2012, five more than were included in the Dec. In addition, GM and the UAW have agreed to improve competitive work rules, which will also significantly reduce labor costs.


GMCL is continuing dialogue with its unions and the Canadian government with a target to finalize both agreements in March 2009.
In addition, GM is restructuring its sales organization to become more brand focused and better optimize its advertising.
The company anticipates that the bond exchange offer will commence in late March, consistent with requirements in the U.S.
Closing of the conversion of VEBA obligations and unsecured debt to equity should be complete in May of this year.
The overriding risks are the significant impact a bankruptcy would have on the company’s revenue stream and the resulting huge debtor-in-possession funding support that would be required from the government, as such funding is not available from traditional sources in today’s market conditions.
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Senate Democrats are now pushing for a temporary fix, a one-year extension of the low 3.4 percent interest rate that would give Congress time to hammer out a long-term solution. This month, Congress will consider proposals to keep the interest rates on direct federal student loans down.
One big reason is that higher education, especially at four-year colleges, costs a lot more than it used to.
That's a low-ball estimate: The Federal Reserve Bank of New York guesses that, if you exclude borrowers that have deferred their loan payments, the share of delinquent borrowers would be more than 20 percent. Keep in mind that the loans that Congress is discussing right now have some of the lower rates of the student loans out there: Federal loans for parents and grad students have higher interest rates than the rates below. In 2010, the median earnings for young adults with bachelors degrees were 50 percent higher than those of their counterparts with high school diplomas.
Under the General Motors restructuring plan, the company says it would be able to begin paying back the loans by 2010.
These industry planning volumes are more conservative than those being used by most other industry sources.
GM has also committed to increasing its number of hybrid models to 14 by 2012, and to making more than 60 percent of its fleet alternative-fuel capable. The program provided full income and benefit protection in lieu of layoff for an indefinite period of time. GM is also in discussions with the German government for operating and balance sheet support. Accordingly, accomplishing GM’s restructuring out of court remains by far the best approach for all constituents. This progress report will be the basis for the Task Force to issue a ‘Plan Completion Certificate’ to Congress, which confirms GM’s long-term viability. If the Sweepstakes is not capable of running as planned by reason of damage by computer viruses, worms or bugs, tampering, unauthorized intervention, fraud, technical limitations or failures, any Force Majeure Event or any other cause which, in the sole opinion of Sponsor, could corrupt, compromise, undermine or otherwise affect the administration, security, fairness, integrity, viability or proper conduct of the Sweepstakes, Sponsor reserves the right, in its sole and absolute discretion, to cancel, terminate, modify or suspend all or any part of the Sweepstakes, and to select a winner from among all eligible entries received by Sponsor up until the time of such cancellation, termination, modification or suspension, as applicable.
According to the Hill, they have scheduled a vote on the proposal for July 10, though others (including House Republicans and even some fellow Democrats in the Senate) may not be on board. But for many members of Generation Debt, the benefits of having a diploma may seem a long way off. While GM hopes to reach agreement with the Swedish government, the Saab Automobile AB subsidiary could file for reorganization as early as this month. In addition, GM and the UAW have reached a tentative agreement relative to additional wage and benefit changes.
Under the term sheet proposal, a substantial majority of the pro-forma equity in GM would be distributed to exchanging bondholders and the UAW VEBA. Under the company’s baseline outlook, repayment of federal support is expected to begin in 2012. Sponsor reserves the right in its sole discretion to disqualify any individual that (i) tampers or attempts to tamper with the entry process or the operations of this Sweepstakes in any manner, (ii) violates the Official Rules, Terms and Conditions or (iii) acts in an unsportsmanlike or disruptive manner, or with intent to annoy, abuse, threaten or harass any other person. It also includes a timeline for repayment of the Federal loans, and an analysis of the company’s positive net present value (NPV).
The Sponsor shall have the right at any time to require proof of identity and failure to provide such proof may result in disqualification from the Sweepstakes. CAUTION: ANY ATTEMPT BY AN ENTRANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THIS SWEEPSTAKES IS A VIOLATION OF CRIMINAL AND CIVIL LAWS. At this point, it is premature to conclude whether the company will need to make additional pension contributions, as the funded status of the pension plan is subject to many variables, including asset returns and discount rates. Any expenses and receipt and use of the prize and federal, state and local taxes and fees applicable in connection with the prize awarded are the sole responsibility of the winner. An IRS Form 1099 will be issued in the name of the winner for the actual value of the prize received. Sponsor or its affiliates may rescind any promotion found to contain such errors without liability at its or their sole discretion.



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