Sentences with phrase «debt a year longer»

An analysis by Bloomberg News showed that because of the gender wage gap (which only increases as time passes after graduation), women who earn MBAs are likely to be in debt a year longer than their male counterparts.

Not exact matches

Two more years of economic pain Australia faces a longer period of low growth, higher debt and higher unemployment than predicted just four weeks ago as the wave of job losses gathered strength, with clothing manufacturer Pacific Brands axing 1850 staff across the country.

But he points to a report from the Parliamentary Budget Officer released earlier this year showing that, since 2009, the debt service ratio — a measure of income spent to pay debt — has remained steady at around 14 per cent, not much higher than the long - term average.

But after spending three years making minimum payments, it became clear that unless I got aggressive, my debt could potentially throw a wrench in my long - term saving goals.

So while it can be a complex topic to tackle, carefully considering your lifestyle, assets and debts will allow you to calculate a rough estimate of how long your money will last beyond your income - generating years.

Debt to equity for the first quarter of 2018 was 199 % compared with 191 % at year - end 2017, and just below Ryder's long - term target range of 200 % to 250 %.

Apple's long - term debt has grown to almost $ 100 billion over the past few years partly because it needs a source of funds to buy back stock and pay dividends.

Women are also taking longer to pay off student debt, according to a report completed this year by the American Association of University Women, despite being more likely to enroll and earning higher grades than most of their male peers.

This year, the total amount of auto loans topped the $ 1 trillion mark, as borrowers took on debt that takes longer to repay.

China intensified its efforts this year to contain risks coming from a long stretch of excessive borrowing, but concerns continued to mount when the country's debt didn't stop climbing.

Though the payback on an MBA degree is typically three to four years, it's unclear how long it will take graduates to work off their interest - bearing graduate debt.

(To help support its content habit, Netflix has raised long - term debt, closing a $ 1.5 billion borrowing round last year.)

The deal, which is still making its way through Congress after an eleventh hour push from party bigs, has three main components: It immediately raises the debt ceiling, includes around $ 2.1 trillion in spending cuts over the next 10 years, and creates a special Congressional committee to come up with long term deficit - reduction suggestions by this Thanksgiving.

«A 35 - year or longer mortgage encourages people to take on more debt than they can really afford,» says Debbie Klein, a manager with Credit Counselling Services of Alberta Ltd..

After those two leveraged buyouts, Neiman carries long - term debt of $ 4.55 billion, on which it paid $ 289.9 million in interest last year.

At the end of last year the company had a total of $ 9.5 billion in long - term debt.

It was going to be a long two years before I finally became debt free at the end of 2016.

Should the economy manage to grow at close to its historical long - term average of 1pc a year, Greece's debt ratio would still top 100pc of GDP in three decades.

Loans take longer to repay: Since you're paying less each month, it will take longer than the typical 10 years on the Standard Repayment Plan to get out of student debt.

Progress in a few areas has been solid: slashing of bureaucratic red tape has led to a surge in new private businesses; full liberalization of interest rates seems likely following the introduction of bank deposit insurance in May; Rmb 2 trillion (US$ 325 billion) of local government debt is being sensibly restructured into long - term bonds; tighter environmental regulation and more stringent resource taxes have contributed to a surprising two - year decline in China's consumption of coal.

Debt interest costs are fully tax deductible as a business expense and in the case of long term financing, the repayment period can be extended over many years, reducing the monthly expense.

With long - term debt financing, the scheduled repayment of the loan and the estimated useful life of the assets extends over more than one year.

The standout performers last year were technology funds, long / short equity funds and structured credit funds (which buy tranches of securitized debt instruments).

The reality of refinancing with a 30 - year loan is that you actually end up with your debt for longer.

The potential counter weights that could cap the 10 - year yield would be a negative stock market reaction that drives investors to bonds; lower interest rates outside the U.S. that make the U.S. debt relatively more attractive, and good demand for longer - dated securities from insurers and others.

At some point, if these policies are inflationary, then the vigilantes or those that hold dollar reserves, such as China and Brazil and Mexico, they will be in the driver's seat in terms of longer - term Treasury debt, 10 years and 30 years Treasury debt in terms of their yield.

But longer - dated bonds fell over inflation fears; prices for 30 - year debt sank and fell most of the day for the benchmark 10 - year Treasury, though the latter turned moderately positive at day's end.

[16:00] Pain + reflection = progress [16:30] Creating a meritocracy to draw the best out of everybody [18:30] How to raise your probability of being right [18:50] Why we are conditioned to need to be right [19:30] The neuroscience factor [19:50] The habitual and environmental factor [20:20] How to get to the other side [21:20] Great collective decision - making [21:50] The 5 things you need to be successful [21:55] Create audacious goals [22:15] Why you need problems [22:25] Diagnose the problems to determine the root causes [22:50] Determine the design for what you will do about the root causes [23:00] Decide to work with people who are strong where you are weak [23:15] Push through to results [23:20] The loop of success [24:15] Ray's new instinctual approach to failure [24:40] Tony's ritual after every event [25:30] The review that changed Ray's outlook on leadership [27:30] Creating new policies based on fairness and truth [28:00] What people are missing about Ray's culture [29:30] Creating meaningful work and meaningful relationships [30:15] The importance of radical honesty [30:50] Thoughtful disagreement [32:10] Why it was the relationships that changed Ray's life [33:10] Ray's biggest weakness and how he overcame it [34:30] The jungle metaphor [36:00] The dot collector — deciding what to listen to [40:15] The wanting of meritocratic decision - making [41:40] How to see bubbles and busts [42:40] Productivity [43:00] Where we are in the cycle [43:40] What the Fed will do [44:05] We are late in the long - term debt cycle [44:30] Long - term debt is going to be squeezing us [45:00] We have 2 economies [45:30] This year is very similar to 1937 [46:10] The top tenth of the top 1 % of wealth = bottom 90 % combined [46:25] How this creates populism [47:00] The economy for the bottom 60 % isn't growing [48:20] If you look at averages, the country is in a bind [49:10] What are the overarching principles that bind us togetlong - term debt cycle [44:30] Long - term debt is going to be squeezing us [45:00] We have 2 economies [45:30] This year is very similar to 1937 [46:10] The top tenth of the top 1 % of wealth = bottom 90 % combined [46:25] How this creates populism [47:00] The economy for the bottom 60 % isn't growing [48:20] If you look at averages, the country is in a bind [49:10] What are the overarching principles that bind us togetLong - term debt is going to be squeezing us [45:00] We have 2 economies [45:30] This year is very similar to 1937 [46:10] The top tenth of the top 1 % of wealth = bottom 90 % combined [46:25] How this creates populism [47:00] The economy for the bottom 60 % isn't growing [48:20] If you look at averages, the country is in a bind [49:10] What are the overarching principles that bind us together?

The amount of longer term Federal debt that markets have to absorb is now as high as it has been in the last 50 years and long rates are extraordinarily low, as are term spreads.

But it's important to check for information that could hurt your credit score: inaccurate information or debt that is too old to be reportable (longer than seven years since an account first went late, assuming no further activity on the account, for example).

Sure, you can devalue those claims through inflation, but only if the debt is in the form of long - maturity bonds (which is why the recent discussion of issuing 50 - 100 year Treasury bonds seems understandable but also a bit nefarious).

Though the weighted - average maturity of Treasury debt is currently longer than normal, the average is still only 5.8 years, and half of the debt will have to be rolled over by 2019, at whatever interest rates emerge in the interim.

«This year's budget makes remarkable progress on reducing the debt - to - GDP ratio, and announced focused investment in areas that are important to the long - term economic success of the province, while holding steady on already very competitive business and personal tax rates.»

China is probably still a few years away from reaching its debt limits, but the more debt grows, the lower the country's growth rate average will be over the long term.

If these constraints are not in place, however, analysts can no longer ignore this difference because the economy can then engage in nonproductive activity that for many years can force up the debt burden and add to GDP.

This is the next great challenge for Beijing, and when the regulators finally do start to repair overextended balance sheet, with a much higher debt - to - GDP ratio than any other country at China's stage of economic development, according to a presentation Monday night by my very smart former student, Chen Long, I expect annual GDP growth rates will continue dropping steadily, by 1 - 2 percentage points a year through the rest of this decade (and there has been increasing talk in the past month or two that GDP growth rates are already 1 - 2 points below the printed rates).

Unlike some other forgiveness programs that simply waive any remaining debt after a longer period of time, Perkins Loan Cancellations are evaluated on a year - by - year basis, and you could have either a percentage or the full amount of your balance canceled.

debt obligations of the U.S. Government with maturities of 10 years or longer; coupon interest for Treasury bonds is exempt from state and local taxes, but is federally taxable; interest income may also be subject to alternative minimum tax

For borrowers contacted by a debt collector about very old debt (generally debt you have not made any payments toward for two years or longer, depending on your state), you may be able to challenge a lawsuit from a debt collector on these grounds.

John Stopford, portfolio manager of the Investec GSF Global Strategic Income Fund and co-head of the Investec multi-asset team, says 2014 may be a difficult year for corporate credit and a modest one for emerging markets debt, «but there may be an attractive long - term buying opportunity later in the year.»

To put a number on that, long - term debt was reduced by a sizable 15 % through the first nine months of the year.

If sovereign debt is increased every year and is never liquidated because it is continually «rolled over,» how much is that debt truly worth and how long will perpetually increasing debt persist before a violent reset occurs?

«While improving in many respects in the most recent years, the longer - term trends in debt are troubling as far as retirement preparedness is concerned,» says Craig Copeland, Senior Research Associate at EBRI.

At present, investors have no reasonable incentive at all to «lock in» the prospective returns implied by current prices of stocks or long - term bonds (though we suspect that 10 - year Treasuries may benefit over a short horizon due to continued economic risks and still - unresolved debt concerns in Europe, which has already entered an economic downturn).

And on such a long term debt obligation, the difference of 0.25 % or 0.50 % on an interest rate can mean tens of thousands of dollars over the course of 30 years.

The long - term trend of earnings per share for American businesses is up because large corporations retain earnings that they can use to pay down debt, buy back stock, or grow operations, and this allows us to have the reasonable certainty that Coca - Cola, Procter & Gamble, Johnson & Johnson, PepsiCo, and the rest of the usual suspects will be worth more ten years from now.

Last year our lead theme of How I Stopped Worrying and Learned to Love the Bond favoring longer - maturity debt was right, even if for the wrong reasons.

According to Bloomberg sources, «the White House would like to extend the debt limit long enough to move back the threat of a U.S. default until after Congress can deal with funding for the full federal fiscal year and tax legislation the Trump administration backs.»

FRA Co-Founder Gordon T. Long sits with BCA Research Chief Economist, Martin Barnes, a highly decorated and well renowned economist of 40 + years to talk Financial Repression and Barnes most recent work, Low Growth and High Debt: Financial Repression is Here to Stay.

Trying to anticipate the changing environment, and high corporate debt levels, suggest it would be wise to start taking a more defensive position on equities long before yields on 10 - year Treasuries reach 5 %.