Sentences with phrase «consumer debt decreased»

Not exact matches

In the third quarter, there were fewer foreclosures, increased credit - card and auto lending (indicators of rising consumer confidence), and an overall drop in our collective debt load, led by decreasing mortgage debt.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

The debt ceiling debacle down in Washington has taken a toll on consumer confidence here in New York, causing it to drop 1.9 points in July, while the nation's confidence decreased 7.8 points, according to a new Siena poll.

Consumer loans and debt result from the purchase of goods on credit that are consumable and that tend to decrease in value over time.

It depends on a lot of factors but I'd consider paying off the debt right away if its high interest consumer debt as you'd see an immediate improvement in your monthly cash flows (your monthly debt payments would be eliminated / decreased).

Now Americans have $ 11.31 trillion in consumer debt, a decrease of about $ 1.37 trillion since the peak in 2008.

Although consumer credit card debt has decreased in recent years, it's still a major problem for a lot of Americans.

It is the only type of consumer debt not decreasing, according to a study from Experian, which analyzed student loan trends from 2008 through 2014.

Consequently, we should be concerned over increasing consumer debt and decreasing savings.

I learned that now Citi thinks I have five cards «maxed out,» thanks to these lowered limits, even though my consumer debt is lower than it has been in two years and is steadily decreasing every month.

At the very least, as student loan debt becomes a greater and greater burden on consumers in America we will see it erode the money people spent on other items and see a continued decrease in unsecured consumer debt levels.

U.S. consumers appear to be working hard to reduce credit card debt, which has fallen nearly 3 percent between January and August 2010, but their credit scores are also decreasing.

Faced with a sluggish economy and flat - lining wages, consumers will continue to focus on increasing their savings and decreasing debt, just as they have since late 2009, says a new survey by CreditDonkey.com.

In the third quarter, there were fewer foreclosures, increased credit - card and auto lending (indicators of rising consumer confidence), and an overall drop in our collective debt load, led by decreasing mortgage debt.

Overall, consumer debt was down to $ 794 billion, as illustrated in the graphic. This decrease continues what has been a steady decline in card balances. Beginning in September 2008, card balances have gone down nearly every month. Balances did rise in December 2010, but... Read More

A wage not indexed to cost of living results in increased household debt and eventually stagnant spending as consumers prioritize to decrease their debt.

Consumer credit card debt decreased throughout the month of September.

In recent times, with rates at historical lows, it's been advantageous for consumers to roll their unsecured debt into their mortgage to decrease monthly payments — so much so that the government has sought an end to this trend of high loan - to - value mortgages.

Ryan discusses the death of Osama Bin Laden; Ryan reviews the economic news of the week; Ryan notices the correlation between increased home sales and interest rate drops; Louis notes we can't expect the housing market to be supported by further decreases in rates as they are already near historic lows; Ryan explains that interest rates change once every four hours; Ryan notes the difference between getting a quote and being locked in to an interest rate; Ryan advises the importance of keeping in touch with your mortgage lender; Louis notes that interest rates change a lot faster than home prices; Ryan notes that the consumer confidence was up, Ryan and Louis discuss the Fed's decision to keep interest rates where they are and to continue the $ 600 billion QE2 program; Ryan and Louis discuss the Fed's view that inflation is nascent; Louis notes that not only does the Fed not see inflation that exists but disclaims any responsibility for it; Louis asserts that there is a correlation between oil prices and Fed policy; Louis discusses Ben Bernanke's assertion that the Fed can't control oil prices but that they somehow can control the impact of higher oil prices on the rest of the economy; Louis also remarks on Bernanke's view of the dollar - the claim that a strong dollar can be achieved through the Fed's current policy as it is their belief that they are creating a sound economy and therefore a sound dollar; Louis notes the irony of the Fed chastising Congress» spendthrift ways — if the Fed did not monetize the debt, Congress could» nt spend; Louis noted that as Bernanke spoke the prices of gold and silver rose as it seemed that the Fed has no interest in cutting off the easy money; the current Fed policy will keep interest rates low; Ryan notes that the Fed knows that they can't let interest rates rise because of the housing mess; Louis notes that the Fed has a Hobson's Choice - either keep rates low or let interest rates rise and cut off the recovery.