Sentences with phrase «consumer debt market»

According to the Consumer Financial Protection Bureau (CFPB), student loans are the nation's second - largest consumer debt market.

Student loans make up the nation's second largest consumer debt market.

Not exact matches

At the end of the day, though, the biggest threat to Canada might likely come not from financial markets, but from what a debt ceiling breach would do to U.S. consumer and business confidence and thus the pace of growth south of the border.

Obviously, besides immediately abandoning its propaganda campaign, the Chinese government should reassure the global business community with concrete, honest, realistic, and market - based solutions that address the underlying pathologies of China's poor economic performance: massive debt, endemic overcapacity, and an economic system that channels low - cost capital into inefficient state - owned enterprises at the expense of private entrepreneurs and consumers.

It felt free to issue such an advisory, the central bank said, in part because it was less worried about those record levels of consumer debt and the housing market, both of which economists have said appear to be moderating.

«Credit card debt statistics, in particular, reflect consumer sentiment and can foretell overleveraging bubbles that may trigger constriction in credit markets,» the report says.

Statistics Canada reported the key ratio crept lower as total household credit market debt, which includes consumer credit, mortgage and non-mortgage loans, increased 1.1 per cent in the fourth quarter to $ 2.13 trillion.

Unless the stock market runs away, the primary way consumers will rebuild their balance sheets is through savings and debt pay - down.

Sluggish spending came despite cheap gasoline and a buoyant labor market, leaving economists to speculate that consumers were using the extra income to pay down debt and boost savings.

Today a free market means that predators are free to extort any price from the public, they are free to deregulate, free to lie to consumers, free to exploit, free to load any company they want down with debt, and basically lead (us) to a world of debt peonage... So the whole concept of freedom has been turned upside down by the Chicago school and by the Bush administration.

Deregulation in finance and the privatization of public services lead to market manipulation, and record consumer debt.

``... a free market means that predators are free to extort any price from the public, they are free to deregulate, free to lie to consumers, free to exploit, free to load any company they want down with debt...»

The well - published national debt issues hurt consumer spending in the West, while rising interest rates, energy and food prices dampened the strong growth seen in major markets in the East, such as China.

In the July 2010 version of their paper entitled «The Impact of Investor Sentiment on the German Stock Market», Philipp Finter, Alexandra Niessen - Ruenzi and Stefan Ruenzi test the predictive power of a composite sentiment measure combining consumer confidence, net equity mutual funds flow, put - call ratio, aggregate trading volume, initial public offering (IPO) returns, number of IPOs and aggregate equity - to - debt ratio of new issues.

Why is the market going up with unemployment so high, consumer debt outrageous, an environment where taxes must go higher, energy 5xs the norm, housing still depressed, access to credit stunted, expensive war expenditures, the Greece failure, a weak dollar, and slow economic growth?

Total household credit market debt, which includes consumer credit, mortgage and non-mortgage loans, amounted to $ 2.13 trillion

During the past two years consumer debt is about the same, but the market has gotten hit hard.

The report cited risks such as record consumer debts and a rising supply of units in some markets, mirroring concerns expressed by the finance minister and Bank of Canada Governor Stephen Poloz.

For the past few years, the Finance Minister has been trying to prevent Canadian house prices and consumer debts from rising too quickly — without causing a major slump in the real estate market that would hurt the economy.

With nearly 25 years in investment banking, Adam has successfully led the execution of middle - market M&A, restructuring, and debt and equity financing transactions across a myriad of industry sectors including business services, consumer products, retail, general industrials, telecommunications, and technology.

To make things worse, Canada's economy has been hit hard by falling oil prices, and investors remain wary of a Canadian housing market that has shown signs of becoming a bubble, as well as rising consumer debt rates.

In the 1970s, GDP growth lost its stranglehold on the markets thanks to the widespread adoption of credit cards and consumer 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 fight didn't lower the consumer confidence, the rising inflationary pressures food and gas, the european debt crisis, the housing market crashing into a depression and the fact the job market is horrible (not being helped here by dodd / frank or obamacare) is whats driving the confidence down.

The range of markets we work in - health, legal services, debt, skills, independent living - reflect the needs of our consumers.

This suggests that consumers are looking for a quick win, and it further enshrines that a «light at the end of the tunnel» theory of consumer debt is consistent in the United States market.

Before 2008, the consumer market was focused on their long - term debt with a majority of Americans focusing on paying down their mortgage rather than their credit card debt.

As optimism in the job market and wages continues to grow, it is likely the average debt will also increase to keep up with consumer interests.

However, the government is reluctant to provide any stimulus to the housing market at the same time it's introducing measures like the new mortgage stress - test rules to slow down consumer debt.

The housing market has been a major driver of economic growth across the country in the last decade and this nurtured consumer confidence in taking on household debt.

That means, on average, Canadians owed $ 1.67 in credit market debt — mortgages, other loans and consumer credit — for every dollar of disposable income.

In my humble opinion as someone who is now debt free (except the mortgage) after having over $ 90,000 of consumer debt, I do not think it is a good idea to invest in a brokerage account, money market, annuity, or any other financial product until your consumer debt is paid off.

The Bank's storyline seems to be that the 50 bps of stimulus (now removed) was cultivating imbalances in the form of overheated housing markets and high consumer debt burdens.

In fact, more than 45 % of Americans currently have a credit card balance, and according to Ben Woolsey, director of marketing and consumer research for CreditCards.com, the average amount of debt per household is $ 15,956.

Our goal is to save consumers the maximum amount of money, offer the safest and most effective debt relief program on the market.

«Our mission is to offer the most effective debt relief program on the market, that saves consumers the most money and time.»

The market is currently flooded with debt advice businesses offering to help consumers with excessive debt.

Much of the debate around Canada's buoyant housing market has centred on the growing amount of Canadian household debt, and questions about the ability of consumers to handle their overall debt burdens if and when interest rates rise from prolonged lows.

Household debt levels have hit record levels in recent years and housing markets have boomed, helped by low interest rates that have allowed consumers to borrow cheaply.

The total amount of credit market debt — which includes mortgages, non-mortgage loans and consumer credit — held by Canadian households increased to 162.6 per cent of disposable income during the quarter, from a revised 161.5 per cent in the previous quarter.

Statistics Canada said Friday that total household credit market debt, which includes consumer credit and mortgage and non-mortgage loans, increased 1.2 per cent to $ 1.923 trillion at the end of last year.

«Consumers have amassed record levels of outstanding debt as a protracted period of depressed borrowing rates has sustained buoyant housing market activity,» Cooper said in a note.

Consumer debt and the housing market finally appear to be stabilizing here in the Great White North, at the same time debt concerns in the United States and Europe have begun to dissipate.

Su McVey, Vice President, Customer Communications & Marketing, BMO Bank of Montreal, said «Managing debt is a major priority for economies around the world, but it's also an important concern for consumers,».

Concern over a red - hot housing marketing and increasing consumer debt has prompted Finance Minister Jim Flaherty to make some drastic changes this week.

Their album Playing the Market includes songs derived from the Consumer Confidence Index, the efficient market hypothesis, and measures of the nationalMarket includes songs derived from the Consumer Confidence Index, the efficient market hypothesis, and measures of the nationalmarket hypothesis, and measures of the national debt.

The primary focus of the workshop was to discuss the use of debt settlement companies by consumers and what can be done to protect consumers from deceptive marketing practices.

The CFPB estimated that older consumers owed $ 66.7 billion in student loan debt at the end of 2015 alone, becoming the fastest growing group of debtors in the student loan market.

Investors who view bull market gains as real gains are like consumers who take out large amounts of credit - card debt to enjoy a better life than they can afford with money earned from their jobs.

Jennifer Osborne is listed as a past director of operations at Phoenix Media Agency and is now the marketing director of a debt settlement company consumers have been warned about, Cambridge Life Solutions.