Sentences with phrase «end ratio accounts»

The back - end ratio accounts for all of your debt obligations in comparison to your income.

Not exact matches

«The type of hidden fees annuity investors should pay attention to are separate account [investment funds] expense ratios; back - end sales charges; annual administration fees; mortality and expense costs; any rider fees, such as guaranteed income rider, death benefit riders [and] principal protection riders, to name a few,» says financial planner Joseph Carbone of Focus Planning Group.

By the time that decade ended, price - to - earnings ratios were in the single digits — but you had little or nothing to show for buying cheap equities during the prior 15 years; and that's before accounting for very high inflation.

The back - end ratio includes your PITI plus payments for accounts like auto loans, student debt, and credit cards, divided by your income.

On the other hand, the back end ratio, as the name suggests, not only takes into account the housing debt and expenses but also any other loans on your account like credit card payments etc..

You also have a «back - end» ratio that takes all of your recurring monthly debts into account.

Because their balance sheet doesn't reflect an accurate balance to stock ratio (in other words: they will end up trying to sell more shares than their account balance can pay for, should they go under).

That's because when mortgage lenders calculate your ability to take on new debts, they take into account your monthly payments on pre-existing debt in the calculation of your back - end ratio.

FHA's net capital ratio, or reserves after accounting for projected losses, fell to its lowest level on record, 0.53 %, in the year ended in September, from 3 % in fiscal 2008 and 6.4 % in 2007, according to an annual review released last month.

It's important critical to know a fund's expense ratio, and if there are any additional fees associated with your investment account (such as front - end or back - end loads, which won't be included in the expense ratio).

Assuming a 3 % expense ratio, at the end of 30 years the account would be worth $ 76,123 but you would have spent over $ 98,000 in fees over the 30 - year period.

At the 3 % expense ratio, the amount spent on management fees was actually MORE than the account was worth at the end of the 30 - year period!

This free mortgage training video discusses liabilities to include for monthly debt payment - to - income - ratio, this part focuses on monthly housing expense & payment on all installment debts, example calculation on student loans repayment & student loans in deferment or forbearance, alimony, child support or maintenance, monthly payments on revolving or open - ended accounts regardless of balance, monthly lease payments, aggregate net rental loss, monthly payment amount for other properties and more.

The back - end ratio takes into account all of your monthly debt obligations: your expected housing expenses PLUS credit card bills, car payments, child support or alimony, student loans and any other debt that shows up on your credit report.12