Sentences with phrase «debt service payments by»

Divide your total monthly debt service payments by your monthly gross income.

Banks calculate the DTI by dividing the individual's monthly debt service payments by the monthly income.

The debt to income ratio equation divides your monthly debt service payments by your monthly gross income.

For example, Governor Malloy's irresponsible borrowing policies mean that the state MUST increase its debt service payments by at least $ 672 million dollars over the next three years and mandatory payments to the state employee and teacher pension and healthcare funds will account for an additional $ 620 million.

$ 12.8 million in debt service payments by delaying until February 2016 borrowing for capital projects, termination pay and tax refunds.

Not exact matches

The PSLF, established by President George W. Bush in 2007, allows student loan borrowers who pursue government or non-profit public service jobs to wipe out their remaining debt after 10 years of on - time payments.

That is, when debt service ratios are calculated using the discounted mortgage rates actually charged by banks (about 125 percentage points below posted rates), the average Canadian homeowner is paying just 25 % or so of income on mortgage payments, far below the 32 % benchmark used for mortgage - insurance qualification.

Example: I recently met a B2B healthcare payments company that seeks to lower doctors offices» bad debts expense from 40 to 5 percent by helping them collect funds upfront at the time services are delivered, instead of 30 days later with an invoice in the mail.

It is computed by dividing a business's cash flow (more specifically, net operating income) by the debt service payments (loan and lease payments).

Kevin Orr, a bankruptcy expert hired by the state in March to stop Detroit's fiscal free - fall, chose bankruptcy over diverting money from police, fire and other services to make debt payments.

A dynamic is put in place in which debt keeps labor down — not only by eating up its wages in debt service, but in making workers suffer sharp increases in the interest rates they have to pay or even risk losing their homes if they miss a payment by going on strike or being fired.

They are to pay for their rising debt service not by taxing the population, but by selling public assets to the financial, insurance and real estate (FIRE) sectors — the very sectors which are receiving the growing interest payments on the national debts resulting from lowering taxes on wealth.

If the trade is in balance and America has a huge balance of payments surplus from all the debt service that countries owe in dollars — plus a huge remission of profits by American companies that have bought out foreign industry — then the dollar's exchange rate would soar.

The country is $ 70 billion in debt, schools are closing by the hundreds, and infrastructural services — like the overburdened electricity system — have been overlooked in order to make way for debt payments to Wall Street creditors, according to Juan Cartagena, President and General Counsel of LatinoJustice PRLDEF, a public interest law firm.

As has been experienced by Alberta and other jurisdictions, a lower credit rating materially increases debt servicing costs (i.e. interest payments).

While falling world interest rates have reduced the servicing cost of foreign debt over the past two years, this has been offset by rising dividend payments on foreign holdings of Australian equity, reflecting the strong profit growth of Australian companies throughout this period.

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.

Governments, harassed by the burden of debt service payments, reduce public expenditure on health and education and other social services to balance their budgets.

The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned.

@DJClayworth «The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned.»

If the services covered by the June payment were in fact performed in 2014, and therefor prior to the January 2015 report, the Cuomo campaign's debt should have been reported in January.

The budget is able to exploit this loophole by not «adjusting for payment timing differences and accounting changes,» such as through premature debt service payments or «shifting expenditures out of state operating funds spending.»

For example, teachers who take advantage of the Stafford Teacher Loan Forgiveness program to access up to $ 17,500 in loan forgiveness after five years of payments will unwittingly reset the clock on the more generous Public Service Loan Forgiveness Program, which forgives all outstanding debt held by teachers after 10 years of reduced payments tied to the borrower's income.

CTBA has created per - district estimates for both normal cost (the payment that covers benefits being earned by current employees) and legacy cost (the debt service payment to make up for previous years» underfunding).

This fund was established by the Board to provide for debt expenditures (e.g., debt service, swap, variable rate payments, and fees) and other uses approved by the Board.

Debt negotiation services are companies that promise to reduce debtors» monthly payments by getting creditors to reduce interest rates or agree to other concessions.

I currently use Fedloan Servicing but have recently been contacted by Eduloandoc.com and they claim they can dramatically reduce my debt and monthly payment through the WIlliam D Ford act and because I am a teacher at a title 1 school.

This divides the net operating income — all revenue minus all reasonably necessary operating expenses — by annual debt service — i.e., payments of principal and interest for the year.

Most debt counseling services get their fees from a portion of payments sent back by creditors.

However, before you send any money to the debt consolidation company you have to know the exact amount they will charge you to do this service and how to tell if your payments are received by creditors on time.

Keep the DTI low by minimizing the monthly debt service payments.

You can eliminate high - interest credit cards, lower your monthly payment and get out of debt faster by using credit card consolidation services.

Most debt relief services work as follows, a consumer will begin to pay money into an account controlled by the debt service company, in lieu of a monthly payment to their credit card company.

Terms, defined.For purposes of the Credit Services Organization Act: (1) Buyer shall mean an individual who is solicited to purchase or who purchases the services of a credit services organization; (2) Consumer reporting agency shall have the meaning assigned by the Fair Credit Reporting Act, 15 U.S.C. 1681a (f); (3) Credit services organization shall mean a person who, with respect to the extension of credit by others and in return for the payment of money or other valuable consideration, provides or represents that the person can or will provide any of the following services: (a) Improving a buyer's credit record, history, or rating; (b) Obtaining an extension of credit for a buyer; or (c) Providing advice or assistance to a buyer with regard to subdivision (a) or (b) of this subdivision; (4) Extension of credit shall mean the right to defer payment of debt or to incur debt and defer its payment offered or granted primarily for personal, family, or household purposes; and (5) Person shall include individual, corporation, company, association, partnership, limited liability company, and other businessServices Organization Act: (1) Buyer shall mean an individual who is solicited to purchase or who purchases the services of a credit services organization; (2) Consumer reporting agency shall have the meaning assigned by the Fair Credit Reporting Act, 15 U.S.C. 1681a (f); (3) Credit services organization shall mean a person who, with respect to the extension of credit by others and in return for the payment of money or other valuable consideration, provides or represents that the person can or will provide any of the following services: (a) Improving a buyer's credit record, history, or rating; (b) Obtaining an extension of credit for a buyer; or (c) Providing advice or assistance to a buyer with regard to subdivision (a) or (b) of this subdivision; (4) Extension of credit shall mean the right to defer payment of debt or to incur debt and defer its payment offered or granted primarily for personal, family, or household purposes; and (5) Person shall include individual, corporation, company, association, partnership, limited liability company, and other businessservices of a credit services organization; (2) Consumer reporting agency shall have the meaning assigned by the Fair Credit Reporting Act, 15 U.S.C. 1681a (f); (3) Credit services organization shall mean a person who, with respect to the extension of credit by others and in return for the payment of money or other valuable consideration, provides or represents that the person can or will provide any of the following services: (a) Improving a buyer's credit record, history, or rating; (b) Obtaining an extension of credit for a buyer; or (c) Providing advice or assistance to a buyer with regard to subdivision (a) or (b) of this subdivision; (4) Extension of credit shall mean the right to defer payment of debt or to incur debt and defer its payment offered or granted primarily for personal, family, or household purposes; and (5) Person shall include individual, corporation, company, association, partnership, limited liability company, and other businessservices organization; (2) Consumer reporting agency shall have the meaning assigned by the Fair Credit Reporting Act, 15 U.S.C. 1681a (f); (3) Credit services organization shall mean a person who, with respect to the extension of credit by others and in return for the payment of money or other valuable consideration, provides or represents that the person can or will provide any of the following services: (a) Improving a buyer's credit record, history, or rating; (b) Obtaining an extension of credit for a buyer; or (c) Providing advice or assistance to a buyer with regard to subdivision (a) or (b) of this subdivision; (4) Extension of credit shall mean the right to defer payment of debt or to incur debt and defer its payment offered or granted primarily for personal, family, or household purposes; and (5) Person shall include individual, corporation, company, association, partnership, limited liability company, and other businessservices organization shall mean a person who, with respect to the extension of credit by others and in return for the payment of money or other valuable consideration, provides or represents that the person can or will provide any of the following services: (a) Improving a buyer's credit record, history, or rating; (b) Obtaining an extension of credit for a buyer; or (c) Providing advice or assistance to a buyer with regard to subdivision (a) or (b) of this subdivision; (4) Extension of credit shall mean the right to defer payment of debt or to incur debt and defer its payment offered or granted primarily for personal, family, or household purposes; and (5) Person shall include individual, corporation, company, association, partnership, limited liability company, and other businessservices: (a) Improving a buyer's credit record, history, or rating; (b) Obtaining an extension of credit for a buyer; or (c) Providing advice or assistance to a buyer with regard to subdivision (a) or (b) of this subdivision; (4) Extension of credit shall mean the right to defer payment of debt or to incur debt and defer its payment offered or granted primarily for personal, family, or household purposes; and (5) Person shall include individual, corporation, company, association, partnership, limited liability company, and other business entity.

Many people who are insolvent live paycheck to paycheck and can comfortably service their debt by making payments each month.

A business's cash flow (usually the net operating income) divided by debt service payments (loan repayments and leases).

While you may be able to get a lower interest rate through a debt consolidation service than you're currently paying on your credit cards or other bills, the main way they reduce your monthly payments is by stretching out your term, the time it takes to pay the loan off.

Credible debt consolidation service companies can help you lower your monthly payments by either consolidating your debt into one loan or by negotiating lower interest rates or payments with your creditors.

If you work in a qualifying «public service» career, and your student loan payments are high relative to your income, you might be able to get some of your student loan debt forgiven by the government.

Supported by a grant from the Center for Financial Services Innovation (CFSI), the partnership will test various incentives and ways to encourage savings habits and study the correlation between on - time debt payment and savings behavior.

For arrears of maintenance payments ordered by a court, Child Support Agency arrears, Child Maintenance Service arrears and debts resulting from personal injury claims, the court has the power to order that you do not have to pay all or part of these.

Debt settlement services are for consumers that have a hardship and can not afford to pay off certain debts on their own by paying minimum payments.

The change is that companies offering debt relief services over the phone can not collect advance fees from you before settling or reducing your debt, before having an agreement for debt management or other services in place, or until you've made at least one payment to a creditor as a result of a plan negotiated by the debt relief provider.

New regulations governing debt settlement and other debt help services are now in effect as the result of consumers complaining about being ripped off by scams that require up - front payment and offer little or no debt help.

By skyfinancial 2017-01-04T01:02:19 +00:00 October 31st, 2013 Categories: Mortgage Tips Tags: amortization period, Banks, Canada Mortgage housing Corporation, Canadian Mortgage, CMHC, Downpayment, GDS, gross debt service, Home buyers, household income, Mortgage, Mortgage Insurance, Mortgage market, Mortgage payments, mortgage rules, Refinancing, TDS, total debt service

Most types of debt except: student loans, magistrates» court fines, maintenance payments or maintenance arrears ordered by a court, Child Support Agency or Child Maintenance Service arrears, money owed under a criminal confiscation order, debts resulting from certain personal injury claims and budgeting or crisis loans.

* Daily, weekly and monthly payout available by check or wire * Call centres welcome Service Sold Payout Structure Debt Consolidation Up to 90 % of first month's payment ($ 100 - $ 1000) Debt Settlement Up to 14 % of client's enrolled Debt Amount.

Most types of debt can be included, except: secured debts (unless your lender agrees), rent, student loans, magistrates» court fines, maintenance payments or maintenance arrears ordered by a court, Child Support Agency or Child Maintenance Service arrears.

The main exceptions are student loans, magistrates» court fines, maintenance payments or maintenance arrears ordered by a court, Child Support Agency or Child Maintenance Service arrears, debts you build up through fraud and debts you owe as a result of a personal injury claim against you.

The statute governing the CSRDF gives Treasury authority to redeem existing Treasury securities held by the CSRDF in an amount up to the amount of civil service benefit payments authorized to be made from the CSRDF during the debt issuance suspension period.