Sentences with phrase «end ratio includes»

This includes the total mortgage, insurance and tax costs that the front - end ratio includes but it adds in any other monthly payments obligations that you have in relation to your debt including credit card minimum payments and student loans payments.

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

Not exact matches

Forward - looking statements may include, among others, statements concerning our projected adjusted income (loss) from operations outlook for 2018, on both a consolidated and segment basis; projected total revenue growth and global medical customer growth, each over year end 2017; projected growth beyond 2018; projected medical care and operating expense ratios and medical cost trends; our projected consolidated adjusted tax rate; future financial or operating performance, including our ability to deliver personalized and innovative solutions for our customers and clients; future growth, business strategy, strategic or operational initiatives; economic, regulatory or competitive environments, particularly with respect to the pace and extent of change in these areas; financing or capital deployment plans and amounts available for future deployment; our prospects for growth in the coming years; the proposed merger (the «Merger») with Express Scripts Holding Company («Express Scripts») and other statements regarding Cigna's future beliefs, expectations, plans, intentions, financial condition or performance.

This is known as the total or «back - end» debt - to - income ratio, because it includes all monthly debts such as mortgage payments, credit cards, auto loan payments, etc..

These arguments include the Fed Model, the advocacy of price / operating earnings ratios, supposed links between earnings growth and market returns, arguments that the end of a Fed tightening cycle is quickly favorable for stocks, etc..

Include a variety of structured learning activities and open - ended ideas, thinking about what you believe is the ideal ratio of both types in the classroom.

Learners self assess their own ability and confidence in each individual subject at the beginning at at the end of the booklet and includes a full glossary: Topics included are: Understanding Number Rounding and Estimating Averages Fractions Decimals and Percentages Money and time Ratio, Scale and Proportion Units of measure 2d and 3d shapes and Angles Perimeter, Area and Volume Data handling and graphs Probability

Documentary evidence that may be requested for each project includes: audited financial statements, updated budget and cash flow projections, audit reports, sources and uses of funds, coverage ratios, project schedules, operating statistics, and management updates (no more than 180 days following the borrower's fiscal year - end).

A snapshot of what's different about the BRZ: updated front end with LED headlights and fog lamps; LED taillights; new wheels; new fender accent, new aluminum rear spoiler, new steering wheel, updated gauge cluster with a color multi-function display, retuned suspension, reworked engine internals and accessories that add 5 horsepower and 5 lb - ft of torque to the 2.0 - liter flat - four, a new final - drive ratio for manual models (4.3:1 vs. 4.1:1 for 2016), a stiffer body, and less aggressive stability control that includes a new Track mode.

A partial list of properties surveyed includes density (expressed as API gravity), vapor pressure, initial boiling point, boiling point distribution, flash point, gas — oil ratio, «light ends» (dissolved gases — including nitrogen, carbon dioxide, hydrogen sulfide, methane, ethane, and propane — and butanes and other volatile liquids) composition, and flash gas composition.

Highly optioned, including Boss Semi-HEMI engine, 4 - speed close - ratio transmission with factory Hurst shifter, «Drag Pack» 3.91 traction lock rear - end, competition suspension and much more.

This 1970 Chevrolet El Camino SS has a rotisserie restoration that includes the stock frame that has been powder coated, 396 V8 340hp, Richmond 6 speed manual transmission, G Force clutch, roller rocker and cam, stud gertel, cast iron heads with 219 intakes, duel 600 Edelbrock carburetor, Be Cool radiator, Wilwood 4 wheel disc brakes and rotors, power windows and windwings, power locks, Vintage Air (needs to be charged), AM / FM stereo, Kenwood sound system — amp and sub woofer, bucket seats with center console, new door panels, custom 3 ″ stainless steel dual exhaust with Patriot headers All Jet coated, 12 bolt posi rear end, 5 spoke chrome Foose Nitrous wheels, Global West suspension, QA 1 adjustable shocks, 3.5 ratio steering box, ASB electric brake booster.

This car was given the full monte, 9:1 compression pistons, 2» HD8 SU carburettors, special induction manifold, Barwell gas flowed and ported head specially for coombs, D - type camshafts, larger inlet valves, modified distributor, special straight through competition exhaust system centre exit, lead - bronze main and big end bearings, lightened flywheel, high ratio steering box, koni shock absorbers, modified suspension including stiffer anti-roll bar / stiffer coil springs to front / heavy duty leaf springs to rear, extra wide track chrome Dunlop wire wheels, E type all synchromesh gearbox with Laycock de Normandville overdrive, Power - Lok 3.73 ratio rear axle, front and rear arches modified by Coombs to accommodate wide track wheels, E type wood rim steering wheel, wooden gear lever knob, push button radio with twin speakers / balance control and roof aerial, reclining seats, heated rear window, foglamp covers and «Sundym» tinted glass.

With chassis technology derived directly from motor racing, a power - to - weight ratio reduced to 4.4 kilograms per bhp and precisely optimised aerodynamic components including innovative air curtains at the front end, supreme conversion of superior propulsion power into thrilling driving dynamics is guaranteed.

The twin - scroll turbocharger design has several other advantages over traditional, single - scroll turbocharging systems, including: • Improved combustion efficiency • Low engine - speed efficiency • Kinetic exhaust gas energy is not wasted or trapped • Cooler cylinder temperatures • Lower exhaust temperatures • Leaner air / fuel ratio • Better pressure distribution in the exhaust ports and more efficient delivery of exhaust gas energy to the turbocharger's turbine Veloster's twin - scroll turbo has superior handling of exhaust gas separation at the turbine leading to improved low - end torque and faster transient torque response.

- Air Conditioning, Climate Control, Cruise Control, Tinted Windows, Power Steering, Power Windows, Power Mirrors, Leather Steering Wheel, Power Drivers Seat, Power Passenger Seat, Memory Seat Position, Heated Seat, Roof Rack, Rear Air Conditioning, Phone, Clock, Tachometer, Digital Info Center, Tilt Steering Wheel, Steering Wheel Radio Controls, Sunroof, Moonroof, Driver Airbag, Passenger Airbag, Side Airbags, Keyless Entry, Security System, ABS Brakes, Traction Control, Dynamic Stability, Rear Defogger, Fog Lights, Intermittent Wipers, AM / FM, Aluminum Wheels, Leather Interior Surface, Audio system feature USB port located inside center console radio interface, Assist steps power - retractable, Tires P285 / 45R22 all - season blackwall TL AL2, Fascia rear body - color, Headlamps High - Intensity Discharge (HID) with (T74) Twilight Sentinel and flash - to - pass feature, Wipers front intermittent, Tail lamps LED illumination, Headlamps Twilight Sentinel automatic delay, Tire inflation kit, Moldings color - keyed bodyside with chrome accents, Body power liftgate, Door handles chrome, Headlamps IntelliBeam, Wheels 22 x 9 (55.9 cm x 22.9 cm) 7 - spoke ultra-bright machined finish aluminum with premium painted accents, Wiper rear intermittent with washer, Mirrors outside heated power - adjustable power - folding and driver - side auto - dimming color - keyed with integrated turn signal indicators ground illumination and programmable to provide curb view when in reverse, Fascia front body - color, Remote vehicle start adaptive, Mirror inside rearview auto - dimming includes OnStar controls., Seats heated and cooled driver and front passenger, Pedals power - adjustable for accelerator and brake, Floor covering color - keyed carpeting, Visors driver and front passenger illuminated vanity mirrors with extenders, Steering wheel heated, Universal Home Remote includes garage door opener 3 - channel programmable, Floor mats color - keyed carpeted first and second row with cargo area mat, Seat release second row power for tumble and fold, Door locks power programmable with lockout protection and power lock for liftgate, Towith haul mode selector button located at end of shift lever, Windows power with driver and front passenger Express - Up / Down and lockout features, Steering power rack - and - pinion, Suspension Package Magnetic Ride Control, Battery heavy - duty with rundown protection and retained accessory power, Throttle control electronic, Alternator 160 amps, Automatic level control heavy - duty air, Rear axle 3.42 ratio, Engine Vortec 6.2 L Variable Valve Timing V8 SFI Active Fuel Management with E85 FlexFuel capability (403 hp [300.5 kW] @ 5700 rpm 417 lb - ft of torque [562.9 N - m] @ 4300 rpm), Cooling external engine oil cooler, Brakes 4 - wheel antilock 4 - wheel disc VAC power, GVWR 7200 lbs.

This car was given the full monte, 9:1 compression pistons, 2» HD8 SU carburettors, special induction manifold, Barwell gas flowed and ported head specially for coombs, D - type camshafts, larger inlet valves, modified distributor, special straight through competition exhaust system centre exit, lead - bronze main and big end bearings, lightened flywheel, high ratio steering box, koni shock absorbers, modified suspension including stiffer anti-roll bar / stiffer coil springs to front / heavy duty leaf springs to rear, extra wide track chrome Dunlop wire wheels, E type all synchromesh gearbox with Laycock de Normandville ove

Upgrades include more low - end torque, along with a higher combustion ratio.

This 1970 Chevrolet El Camino has a rotisserie restoration that includes the stock frame that has been powder coated, 396 V8 340hp, Richmond 6 speed manual transmission, G Force clutch, roller rocker and cam, stud gertel, cast iron heads with 219 intakes, duel 600 Edelbrock carburetor, Be Cool radiator, Wilwood 4 wheel disc brakes and rotors, power windows and windwings, power locks, Vintage Air (needs to be charged), AM / FM stereo, Kenwood sound system — amp and sub woofer, bucket seats with center console, new door panels, custom 3 ″ stainless steel dual exhaust with Patriot headers All Jet coated, 12 bolt posi rear end, 5 spoke chrome Foose Nitrous wheels, Global West suspension, QA 1 adjustable shocks, 3.5 ratio steering box, ASB electric brake booster.

Features include the original matching - numbers 340 / 290hp Six Pack engine and TorqueFlite automatic transmission with a 3.90 ratio posi - traction rear end.

VA home loans offer many benefits to qualified candidates that other loan programs do not, including higher front - end and debt ratios as well as easier qualification standards.

The ABA's composite ratio tracks delinquencies in eight closed - end installment loan categories including personal, home equity and direct auto loans.

Your proposed housing expense, including mortgage principal and interest, hazard insurance, property taxes, mortgage insurance (when required), and HOA dues (if applicable), divided by your gross (before tax) income equals your front - or top - end ratio.

Your front - end DTI ratio, which only includes your mortgage, would be 25 % ($ 1,000 ÷ $ 4,000).

The front - end ratio only includes your housing - related debts, such as your mortgage payment.

Lenders use terminology including front - end ratios.

The front - end ratio is the percentage of monthly before - tax earnings that are spent on house payments (including principal, interest, taxes and insurance — aka PITI).

The gross annual expense ratio as disclosed in the November 1, 2017 Prospectus is 0.86 % and represents operating fees and expenses (including acquired fund fees and expenses) incurred by the Fund during the fiscal year ended June 30, 2017.

The back - end ratio shows what portion of your income is needed to cover all of your monthly debt obligations, including your student loans.

The back - end ratio indicates the percentage of income that goes toward paying all recurring debt payments that include those covered by the front - end ratio plus other debts like credit cards, car loans, student loans, child support, alimony, and legal judgments.

Your front - end debt - to - income ratio looks at how much of your monthly income that your total housing payment — including principal, interest and taxes — consumes.

These ratios include a front - end ratio and a back - end ratio.

Characteristics explored in the analysis include the log of the fund's average total net asset ratio, the fund's average expense ratio, and a dummy variable for a front - end load.

The average 5 - year Tax Cost Ratio of iShares ETFs and actively managed open - end mutual funds available in the U.S. (excluding municipal bond and money market funds) included in the comparison is 0.76 % and 1.46 %, respectively.

It is important to note that analysis up until the end of 2015 showed that the Sharpe ratio increased from 0.47 for the equities benchmark to 0.68 for the equity / bond portfolio and to 0.7 for the portfolio that included real assets.

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).

While an increasing number of lenders include association fees in the front - end ratio, it pays to remember that these fees are likely to increase over time.

The management fee and fund services charges are ordinarily included in the expense ratio; front - end and back - end loads, securities transaction fees and shareholder transaction fees are normally excluded.

These expenses are not included in the front - end ratio, nor are they calculated in the back - end ratio.

For example, if you will be spending half of your gross monthly income on your combined debts (including the mortgage payment), then your back - end debt ratio would be 50 percent.

Your front - end ratio only includes your housing - related debt (i.e., your monthly mortgage payment).

PACKAGE INCLUDES Accommodations perfectly appointed for your comfort Transportation to and from Liberia airport Gourmet meals in our open air dining pavilion Free Wi - Fi throughout Daily two - hour surf lesson (2:1 surfer to instructor ratio) All surf equipment Professional Surfing Photography (yours to take home at the end of the week) Daily yoga classes with an emphasis on creating a sustainable home practice One sixty minute massage All transportation to surf & special dinners out

While the Q6 doesn't include the secondary display from the discontinued LG X Screen, it does include similarly high - end display features: «FullVision'technology and an 18:9 aspect ratio.

Ceramic design is still super pleasing High screen - to - body ratio is executed very well Very high - end specifications Includes radios for usage all over the world Software is constantly updated

Released in October, the phone offers high - end hardware specs and features that include a 5.9 - inch QHD display screen with a 16:9 aspect ratio, Kirin 970 SoC, 4 GB RAM and 64 GB storage.

HMD Global has included all the top end hardware in the device starting with a 5.7 - inch P - OLED screen with a Quad HD + resolution with a 18:9 aspect ratio.

At the end of 1999, for example, CBL & Associates, which owns 140 properties including 30 enclosed regional malls, saw its ratio rise to 61 %.

The program also helps buyers avoid trouble down the road: Borrower debt is restricted to 20 percent of gross monthly income, and total back - end debt ratio (all debt including mortgage debt) is kept at 36 percent.

Under the «qualified mortgage rule,» federal regulations give legal protection to well - documented mortgages with back - end ratios (all debts, including house payments) up to 43 percent.

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.