For example, you could not claim a personal bad
debt expense for your neighbor not paying you for taking care of his pets while he was on vacation.
The retailer's downfall triggered a US$ 3.8 - million bad
debt expense for Dorel, which reports its earnings in U.S. dollars.
Prepared quarterly and annual Debt Roll forward and Summary of
Debt Expenses for Senior management
Not exact matches
Important factors that could cause actual results to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential
for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost of accommodating, announced increases in the build rates of certain aircraft; 6) the effect on aircraft demand and build rates of changing customer preferences
for business aircraft, including the effect of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result of global economic uncertainty or otherwise; 8) the effect of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange rates; 9) the success and timely execution of key milestones such as the receipt of necessary regulatory approvals, including our ability to obtain in a timely fashion any required regulatory or other third party approvals
for the consummation of our announced acquisition of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts of terrorism; 14) any adverse impact on the demand
for air travel or our operations from the outbreak of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension plan assets and the impact of future discount rate changes on pension obligations; 17) our ability to borrow additional funds or refinance
debt, including our ability to obtain the
debt to finance the purchase price
for our announced acquisition of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect of changes in tax law, such as the effect of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect of such changes; 21) any reduction in our credit ratings; 22) our dependence on our suppliers, as well as the cost and availability of raw materials and purchased components; 23) our ability to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate
for our additional capital needs or
for payment of interest on, and principal of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness of any interest rate hedging programs; 28) the effectiveness of our internal control over financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition of Asco in a timely matter while avoiding any unexpected costs, charges,
expenses, adverse changes to business relationships and other business disruptions
for ourselves and Asco as a result of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks of doing business internationally, including fluctuations in foreign current exchange rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among other things.
For those with more student - loan
debt, the only reliable way to make ends meet is often to slash living
expenses.
Most companies experience cash flow challenges within the first few years of operation and,
for a large percentage of those businesses, the obstacle of high operating
expenses and compounding
debt proves to be too much -LSB-...]
He had a couple thousand in credit card
debt and a small, high - interest loan from EasyFinancial he'd taken to cover an unexpected medical
expense for a family member.
«As to help relieve the national
debt, this
expense yields no positive results
for the nation and should be cut from being funded.»
Most companies experience cash flow challenges within the first few years of operation and,
for a large percentage of those businesses, the obstacle of high operating
expenses and compounding
debt proves to be too much to handle.
A few years back, I was on the hook
for about $ 4,000 — a mix of medical
expenses, along with some credit card
debt.
Gain related to interest rate swaps The company recognized a pre-tax gain of $ 14 million in the three months ended March 31, 2018, within interest and other
expense, net related to certain forward - starting interest rate swaps
for which the planned timing of the related forecasted
debt was changed.
Stashing away other windfalls — gifts of cash, gambling winnings, an inheritance — enables you to cover unexpected
expenses, pay off
debt or save
for retirement.
This could explain why half of all overdue
debt on credit reports is now
for medical
expenses.
«If you are taking on
debt for operating
expenses, you are probably not that healthy,» Wunderlich says.
It's the financial industry's playbook to assess your current financial situation, build a budget, cut
expenses, pay down
debt, create «saving
for retirement» goals, and prepare
for the unexpected.
Provide long - term working capital
for operational
expenses or to purchase inventory Short - term working capital, including seasonal financing and exporting Purchase equipment, machinery, furniture, fixtures, supplies or materials Buy land or to purchase, build or renovate an existing building Expand an existing business Refinance
debt (under certain conditions)
For starters, anyone looking to lower their
expenses can consider downsizing their home, trimming their grocery bill or making it a priority to eliminate
debt.
Another quarter of those surveyed said that they're putting extra cash toward other financial obligations, such as paying down
debt, taking care of aging parents and paying
for their kids»
expenses.
Moody's Investor Service downgraded Tesla's
debt into junk territory back in March, warning at the time that Tesla didn't have cash to cover $ 3.7 billion
for normal operations, capital
expenses and
debt that come due early next year.
Homeowners often tap it to pay
for other
expenses, like education, home repairs or remodeling — or to pay off other, more expensive
debt.
Current liabilities include notes payable on lines of credit or other short - term loans, current maturities of long - term
debt, accounts payable to trade creditors, accrued
expenses and taxes (an accrual is an
expense such as the payroll that is due to employees
for hours worked but has not been paid), and amounts due to stockholders.
We also adjust net income
for interest
expense representing amortization of the
debt discount related to our convertible notes issued in Q4 2013 and Q1 2014.
In addition to your normal monthly
expenses, include money necessary
for savings and
debt payments.
(2) Adjusted to eliminate SBC
expense (as adjusted
for the income tax reduction attributable to SBC
expense),
expense related to contingent compensation, foreign exchange losses as adjusted
for the reduction in income tax attributable to the losses, losses from repurchases of convertible
debt (as adjusted
for the related decrease in income tax), amortization of
debt discount (as adjusted
for the related reduction in income tax).
Once Sall decided that he wanted to eliminate his
debt for good, he started living differently: He cut his
expenses, took on side gigs and simplified his life.
The quickest way to get rid of your
debt and start working toward other financial goals is to cut
expenses to free up cash
for larger
debt payments.
These risks and uncertainties include competition and other economic conditions including fragmentation of the media landscape and competition from other media alternatives; changes in advertising demand, circulation levels and audience shares; the Company's ability to develop and grow its online businesses; the Company's reliance on revenue from printing and distributing third - party publications; changes in newsprint prices; macroeconomic trends and conditions; the Company's ability to adapt to technological changes; the Company's ability to realize benefits or synergies from acquisitions or divestitures or to operate its businesses effectively following acquisitions or divestitures; the Company's success in implementing
expense mitigation efforts; the Company's reliance on third - party vendors
for various services; adverse results from litigation, governmental investigations or tax - related proceedings or audits; the Company's ability to attract and retain employees; the Company's ability to satisfy pension and other postretirement employee benefit obligations; changes in accounting standards; the effect of labor strikes, lockouts and labor negotiations; regulatory and judicial rulings; the Company's indebtedness and ability to comply with
debt covenants applicable to its
debt facilities; the Company's ability to satisfy future capital and liquidity requirements; the Company's ability to access the credit and capital markets at the times and in the amounts needed and on acceptable terms; and other events beyond the Company's control that may result in unexpected adverse operating results.
If this person is an above average saver they may reduce
expenses to 70 % of take home and save the other 30 % about 15,000 / yr
for retirement funds and
debt payment.
and start working toward other financial goals is to cut
expenses to free up cash
for larger
debt payments.
Don't use your retirement fund to pay off credit card
debt, or pay
for expenses like a wedding or a car — retirement funds are not savings
for a rainy day.
Some examples: in the presence of full
expensing, a corporate rate reduction has no effect on the cost of capital
for equity - financed investments and raises the cost of capital
for debt - financed investments.
Thereafter, the downward adjustments to budgetary revenues more than offset the downward adjustments to total
expenses, the latter primarily due to the lower outlook
for interest rates on public
debt charges.
The ensuing boom endowed the middle class in the United States and other countries, but was
debt financed, first
for home ownership and commercial real estate, then by consumer credit to purchase of automobiles and appliances, and finally by credit - card
debt just to meet living
expenses.
You guys are set
for life John and really don't have to worry about stocks and bonds and diversification as much if your
debt levels are under control and your pension covers all your
expenses.
If the bank is too hard on its borrowers — suing a struggling family
for unpaid
debts,
for example — it could revive a popular image as a bank that earns profits at the
expense of ordinary people.
This amount of
debt can be a massive burden
for Americans in retirement, when most individuals need to cut back on
expenses to stretch savings.
A teacher or entrepreneur,
for example, might want to refinance if they're not pursuing PSLF, and they'd likely qualify if they had good credit and enough income to afford their
expenses and
debts.
Instead, focus on earning money through a side hustle, asking
for a raise at your day job, and trimming
expenses anywhere you can, even by consolidating your
debt.
For now, AMZN has funded that
expense with
debt.
But what do you do to pay off
debts or make a little extra cash
for a special trip or upcoming
expense?
Here are some goals
for this period of your life: Aim to be free of consumer and student
debt; accumulate an emergency reserve fund of six to 12 months of living
expenses; and try to increase your retirement savings contribution up to 15 percent.
HPFS gross margin decreased
for the three and nine months ended July 31, 2011 due primarily to lower portfolio margins from a higher mix of operating leases and higher transaction taxes, the effect of which was partially offset by higher margins on lease extensions and lower bad
debt expense as a percentage of revenue.
You can look
for opportunities to cut your
expenses, improve your budget, pay off
debt, and boost your savings.
Based on the financial results
for the first seven months of 2016 - 17, public
debt charges could be as much as $ 1 billion lower than forecast in the Update, while direct program
expenses could be at least $ 2 billion lower.
Based on the financial results
for the first nine months of 2016 - 17, public
debt charges could be as much as $ 1 billion lower than forecast in the Update, while direct program
expenses could be at least $ 2 billion lower.
While some school administrators may frown on the practice of using borrowed cash
for non-school
expenses — and taking out student loans
for risky investments seems like a great way to graduate with even more
debt — per Student Loan Report there aren't any rules against it.
For graduates right out of school who are underemployed or are in low - salary fields, their monthly paycheck is often not enough to cover their living
expenses and their
debt.
Using just a minimal amount of your total credit shows you don't rely on
debt to pay
for your day - to - day
expenses.
However long you live, eventually your funeral
expenses and other
debts must be paid
for before your executor can distribute your estate to beneficiaries.
«Whether it is a company running up
debt to pay
for expenses, or a person borrowing to buy stocks on margin, the borrower is giving someone else the right to say when the game is over» Chris Browne