Sentences with phrase «debt coverage with»

The majority of young, healthy individuals are not actively thinking about ways to cover future expenses because those expenses may not yet exist; however, it is easy to cover final expenses, spousal income replacement, dependent care expenses and debt coverage with life insurance well before the need for coverage is apparent.

Not exact matches

Beyond then, we expect the company to sustain credit measures that are consistent with its intermediate financial risk profile, characterized by fully adjusted debt to EBITDA of 2.5x - 3.0 x, funds from operations to debt of more than 25 %, and EBITDA interest coverage of more than 5.0 x.

Interest coverage is the equivalent of a person taking the combined interest expense from his or her mortgage, credit card debt, automobile loans, student loans, and other obligations, then calculating the number of times it can be paid with their annual pre-tax income.

Banks want to see borrowers with good personal credit, a strong business and a low debt service coverage ratio.

Term life insurance provides affordable coverage for a defined period of years, with its primary purpose to replace income or help pay off outstanding debts if the insured dies during that time.

Mr. Duggan began his career in the investment banking division of Credit Suisse in Toronto where he advised companies on M&A, equity, and debt transactions with coverage focused on the natural resource and diversified sectors.

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.

An extract was released overnight (to get maximum coverage from the national newspapers) which suggested he was calling on Britons to pay back their personal debts as soon as possible - to help with the coalition's deficit reduction strategy.

As of June 30, 2015, Fuller Road Management was out of compliance with its lenders on its debt service coverage ratio, which is a measure of SUNY Poly's ability to repay its debt.

-» (A) IN GENERAL. - To be eligible for assistance under this chapter, a project shall satisfy applicable creditworthiness standards, which, at a minimum, shall include -» (i) a rate covenant, if applicable;» (ii) adequate coverage requirements to ensure repayment;» (iii) an investment grade rating from at least 2 rating agencies on debt senior to the Federal credit instrument; and» (iv) a rating from at least 2 rating agencies on the Federal credit instrument, subject to the condition that, with respect to clause (iii), if the total amount of the senior debt and the Federal credit instrument is less than $ 75,000,000, 1 rating agency opinion for each of the senior debt and Federal credit instrument shall be sufficient.»

Banks want to see borrowers with good personal credit, a strong business and a low debt service coverage ratio.

Purchasing term life insurance with coverage totaling your mortgage loan amount plus enough to cover final expenses (personal debt, burial and funeral) is a good start.

Hormel's balance sheet is one of the strongest in corporate America, with cash exceeding debt, a very strong current ratio (short - term assets / short - term liabilities), and a high interest coverage ratio.

ULIPs offer life coverage along with investment in equity and debt products.

Young, healthy individuals with families typically need enough life insurance coverage to pay off a home mortgage and other outstanding debt and provide some income replacement for their spouse and children.

If you have a family you should have a Life Insurance policy and with enough coverage debts like a mortgage, credit cards and other loans would be paid in full.

Credit card debt, student loan obligations, low rates of health insurance coverage coupled with the looming threat of bankruptcy caused by this lack of insurance all present seemingly unconquerable obstacles to homeownership.

Media coverage of student loans focuses almost exclusively on the problems associated with them.We regularly hear about significant increases in student debt and the negative effect this is having on many graduates.While this is certainly a... [Read more...] about Tips To Use Your Student Loans To Build Credit

With a long - term debt / equity ratio of 0.92 and an interest coverage ratio of just over 5, the balance sheet is in okay shape.

Most often this coverage is used to cover debts while providing families with the financial security needed in the event of loss.

Leverage and interest coverage are both very strong for the group, in fact at 1.0 x Net Debt / NTM EBITDA the group is actually under - levered and would obtain a more optimal capital structure by adding debt at current rates, perhaps choosing to repurchase shares with the dDebt / NTM EBITDA the group is actually under - levered and would obtain a more optimal capital structure by adding debt at current rates, perhaps choosing to repurchase shares with the ddebt at current rates, perhaps choosing to repurchase shares with the debtdebt.

Final expense insurance: These policies are for seniors with health issues who can't qualify for traditional term life insurance, but need a policy to help cover end - of - life costs and outstanding debts, Premiums are generally high and coverage amounts are limited.

We will take a look at some of the key points of an organization's liquidity ratio, starting with the debt service coverage ratio, or DSCR.

If the business wanted to take out an additional loan with total annual payments of $ 30,000, then its total debt service would increase to $ 100,000 ($ 30,000 + $ 70,000) and its debt service coverage ratio would decrease to 1.00 ($ 100,000 ÷ $ 100,000).

When taking out a new loan, you should calculate your business's debt service coverage ratio with all current debt obligations and the new loan before approaching your lender.

Lenders frequently want to see a business with a debt service coverage ratio of at least 1.2 to 1.5.

Finding companies with sustainable dividends comes down to a handful of fundamental factors such as cash flow, debt coverage, the payout ratio, and management's commitment to the dividend.

Your credit card may also offer insurance or debt coverage, often with an associated fee.

Critics of previous rules said penalizing people for medical debt was unfair, because patients often don't know what they owe hospitals and doctors and high medical fees combined with limited insurance coverage can be catastrophic to people's budgets.

A long - term debt / equity ratio of 0.27 and an interest coverage ratio over 15 both indicate a very healthy financial situation with no concerns whatsoever.

Also if you refinance, the credit score could improve since the utilization on cards improves and the debt coverage should be better with lower interest expense.

And with actual interest paid amounting to just 8.3 % of operating profit, debt could increase an additional $ 101 million (again, at a 5 % rate) & still leave interest coverage at a manageable 6.7 times (i.e. 15 % of operating profit)-- as usual, to be prudent, we'll haircut this debt adjustment by 50 %.

Adjusted EBITDA margins are relatively similar, but Digicel's drowning in debt & can barely manage two times EBITDA coverage (vs. net financial expense), whereas MTN boasts a cumulative 26 % EBITDA increase, and is clearly under - levered with a massive 18 times coverage ratio.

Now, this means underlying interest coverage isn't great either — I should probably haircut my P / S valuation accordingly, with a negative debt adjustment.

Unfortunately, CRH's EUR 4.9 bio of debt remains a worry — with underlying interest coverage coming out at a low 3.7 times.

As an example a married couple with several children will most likely need more coverage than a single person with no debt.

The bank's balance sheet is far superior to its peers, with a long - term debt / equity ratio of 1.0 and an interest coverage ratio of 9.4.

Management's conservative use of debt, disciplined dividend growth, and focus on healthy tenants with reasonable rent coverage ratios suggest EPR Properties has the potential to be a solid long - term income investment.

If something tragic were to happen to you, and you didn't have life insurance coverage, your family could be left with a massive amount of debt and other final expenses.

Before making your purchase, it can be important to discuss with your parents any other debts that they may have — and whether they have made plans for paying off these obligations with savings and / or other life insurance coverage.

Having the wrong type of coverage could leave your family with a massive amount of debts and other final expenses.

If something tragic were to happen to you, and you didn't have burial insurance coverage, then your family could be left with all of your debts and funeral costs.

If you didn't have the right coverage, your family could be left with a massive amount of debt and other final expenses.

However, when compared with the potential debts that survivors could be left with by not having the coverage, the premium is typically much, much less.

They could be left with thousands of dollars of debt, or you could be paying way too much for coverage.

Not having coverage could leave them with thousands of dollars of debt, and no money to pay it off.

If you don't have enough life insurance coverage, you could leave your family with hundreds of thousands of dollars of debt.

Young, healthy individuals with families typically need enough life insurance coverage to pay off a home mortgage and other outstanding debt and provide some income replacement for their spouse and children.

In fact, as you pay back what you owe, portion by portion, you are paying for less coverage to protect it and to be through with your debts, if you were to die.

If something tragic were to happen to you and you didn't have insurance coverage, your family would be left with a massive amount of debts and other final expenses.