Native Instruments Layoffs?

[EnGee]

There‘s too much drama, hot air and superior attitude in this thread to take it serious.

Too much anger, hatred and hypocrisy, just like the real world! I'm out of this thread (and most others!).

[Forgotten]

When wealthy people choose to, or are forced to borrow,
it's rarely a good sign.

This statement couldn't be more wrong.

I would think the opposite is true - borrowing is generally a sign of confidence in the economy

No, lending is generally a sign of confidence in the economy. I know it sounds like the same thing, but they're not quite.

That’s not the case - banks are pretty much always willing to lend, and don’t often change their credit rating criteria (Why would they? The criteria for being able to repay a loan shouldn’t be dependent on the bank or the economy, it’s dependent on the customer’s credit risk rating). It’s is borrowing that is used as an economic indicator of consumer confidence by economists.

[masterhiggins]

When wealthy people choose to, or are forced to borrow,
it's rarely a good sign.

This statement couldn't be more wrong.

I would think the opposite is true - borrowing is generally a sign of confidence in the economy

No, lending is generally a sign of confidence in the economy. I know it sounds like the same thing, but they're not quite.

That’s not the case - banks are pretty much always willing to lend, and don’t often change their credit rating criteria (Why would they? The criteria for being able to repay a loan shouldn’t be dependent on the bank or the economy, it’s dependent on the customer’s credit risk rating). It’s is borrowing that is used as an economic indicator of consumer confidence by economists.

By borrowing are you referring to banks issuing loans or consumers using already-established credit cards? Because depending on which models you’re looking at they can conflate the two. Banks are much more concerned about $300k loans than they are about $10,000 in credit card debt.

[Forgotten]

By borrowing are you referring to banks issuing loans or consumers using already-established credit cards? Because depending on which models you’re looking at they can conflate the two. Banks are much more concerned about $300k loans than they are about $10,000 in credit card debt.

Qualified revolving credit lines like credit cards are not subject to the same qualifying criteria as loans that require credit qualification up front, so banks don’t conflate the two of them.

It’s not necessarily true that a bank is more concerned about a $300k loan than $10,000 in credit card deft either - a loan that size is likely to be collateralized, so the credit card debt is the higher risk (hence the higher interest rates). Banks write off far more in credit card debt annually than they do with any other kind of credit they extend.

Regardless of the type of credit extended, it’s still borrowing that determines consumer confidence rather than lending.

[robotmonkey]

If NI is in financial trouble and goes on selling loop packs on subscription model, will this mean there won't be any freebies for Christmas anymore? That would be horrible.

I don't think this most important matter has been properly addressed yet. Nothing about it in the press release either.

[PAK]

If NI is in financial trouble and goes on selling loop packs on subscription model, will this mean there won't be any freebies for Christmas anymore? That would be horrible.

Of course not. You will get the choice of a free loop pack or a lump of coal. Personally, I'll be choosing the lump of coal.

[dionenoid]

If NI is in financial trouble and goes on selling loop packs on subscription model,

NI is already selling loops on subscription model. It's called Sounds.com

[digitalboytn]

If NI is in financial trouble and goes on selling loop packs on subscription model, will this mean there won't be any freebies for Christmas anymore? That would be horrible.

I don't think this most important matter has been properly addressed yet. Nothing about it in the press release either.

Now we're finally getting onto the serious stuff

NI might be looking down the barrel of a loaded gun, but the last thing the want to be,is the Grinch at Christmas...

No way buddy...

This Christmas,we'll all be getting a free loop

[machinesworking]

There‘s too much drama, hot air and superior attitude in this thread to take it serious.

Too much anger, hatred and hypocrisy, just like the real world! I'm out of this thread (and most others!).

Hmm? Personally I just remember that most people here do not carry on conversations in person the same way they do online, like the rest of the internet forums etc. It's far too common for people to come across as way more hypocritical, uncompromising, aggressive and emotionally invested in a subject online than in real life. I mean think about it, someone getting at all emotionally involved in whether NI are doing well or not is beyond ridiculous if all they really have invested in the company is a couple hundred dollars in software. It's like truly caring about a sports team to the point of fighting in a bar over it!

[glokraw]

Regardless of the type of credit extended, it’s still borrowing that determines consumer confidence rather than lending.

If NI are borrowing and paying interest to maintain their success,
or hopefully, to expand successfully on all fronts,
then either the interest cost will be passed on to us,
or their per-unit profit will go down. Of course,
selling far more units could still elevate the overall profitability,
even at or below market pricing, and it's important to remember
they are selling tools for artists, not dangerous street drugs.
More music brings it's own reward

Living within the limits of ones own resources and abilities is
a fundamental principal of wealth building. Here in USA,
many people wear blinders, have no savings, have debts and
interest payments on lifestyle, leisure and entertainment purchases,
and won't consider working long hours to pay down their debts.
Banks rake in the interest, and far too many people
wind up $ broke when retiring $

[Jim Rosebrook]

And this is why we can't have nice things.

A reference to this thread.. not the finance industry.

[vurt]

And this is why we can't have nice things.

for me it's because of my dyspraxia, bumping in to things, knocking stuff over all the time.
chipped my jabberwockys ear off
luckily i had two. also, it's more of a horn than an ear i guess.
clumsy f**ker. me, not you.

[AnX]

maybe if you weren't stoned all the time....

[vurt]

maybe if you weren't stoned all the time....

you sound like my mum.

[vurt]