The impact on qualifications at later points in time depends on the behavior of the individual, and your definition of consolidation. (growingfamilybenefits.com)
Strikingly, the authors also found that a couple's level of relationship conflict at a given time also predicted the sex of children born to that couple at later points in time. (sciencedaily.com)
Convertible debt is exactly that — debt which is convertible into equity at some later point in time (or is paid off). (sethlevine.com)