Sentences with phrase «higher debt limits»

This higher debt limit (it was increased from $ 75,000 in 2009) is one of the primary reasons why more than 50 % of all insolvencies in Ontario are now consumer proposals.

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.

A high debt load will limit our flexibility to keep the economy on an even course.

Worries about debt cause untold numbers of students to pursue safer, but limited career paths, or even skip higher education entirely.

OTTAWA — Household debt in Canada hit a new all - time high in the just completed third quarter, but the tiny increase from the previous quarter suggests Canadians are reaching their limit on borrowing.

The amount of debt that is projected under the extended baseline would reduce national saving and income in the long term; increase the government's interest costs, putting more pressure on the rest of the budget; limit lawmakers» ability to respond to unforeseen events; and increase the likelihood of a fiscal crisis, an occurrence in which investors become unwilling to finance a government's borrowing unless they are compensated with very high interest rates.

However, the acquisition debt limit is grandfathered for loans taken out prior to December 15, 2017 (including those under a binding contract) so current homeowners may salvage a higher deduction.

Risks associated with the Consumer Discretionary sector include, among others, apparel price deflation due to low - cost entries, high inventory levels and pressure from e-commerce players; reduction in traditional advertising dollars; increasing household debt levels that could limit consumer appetite for discretionary purchases; declining consumer acceptance of new product introductions; and geopolitical uncertainty that could impact consumer sentiment.

That will mean around $ 1 billion per year from Albertans» higher fuel and heating bills going toward schools, health and debt servicing / deficit limiting.

Moreover, in most key economies the space for fiscal stimulus seems to be limited given high debt levels.»

The rates and fees provided by CommonBond evaluation are estimates and the rates actually provided by CommonBond may be higher or lower depending on your complete credit profile, and income / asset considerations including but not limited to loan to value and debt to income ratios.

The «GSE» will soon allow for higher debt - to - income ratio limits.

Specifically, Defendants made false and / or misleading statements and / or failed to disclose that: (i) the Company was engaged in predatory lending practices that saddled subprime borrowers and / or those with poor or limited credit histories with high - interest rate debt that they could not repay; (ii) many of the Company's customers were using Qudian - provided loans to repay their existing loans, thereby inflating the Company's revenues and active borrower numbers and increasing the likelihood of defaults; (iii) the Company was providing online loans to college students despite a governmental ban on the practice; (iv) the Company was engaged overly aggressive and improper collection practices; (v) the Company had understated the number of its non-performing loans in the Registration Statement and Prospectus; (vi) because of the Company's improper lending, underwriting and collection practices it was subject to a heightened risk of adverse actions by Chinese regulators; (vii) the Company's largest sales platform and strategic partner, Alipay, and Ant Financial, could unilaterally cap the APR for loans provided by Qudian; (viii) the Company had failed to implement necessary safeguards to protect customer data; (ix) data for nearly one million Company customers had been leaked for sale to the black market, including names, addresses, phone numbers, loan information, accounts and, in some cases, passwords to CHIS, the state - backed higher - education qualification verification institution in China, subjecting the Company to undisclosed risks of penalties and financial and reputational harm; and (x) as a result of the foregoing, Qudian's public statements were materially false and misleading at all relevant times.

Adair Turner, former chief regulator of the British banks, argues that we need to reign in the growth of unproductive private debt by imposing tighter controls on banks through much higher capital requirements and by imposing limits on borrowing, such as maximum loan to value mortgage rules.

Think of it as a credit card but with higher limits, generally lower rates and less time to pay off your debts.

A strong credit history typically results in a higher limit — and therefore a bigger bite out of your owed debts.

He adds that roughly 60 percent of his Millennial clients choose FHA loan products, because they usually are first - time homebuyers with high debt loads and perhaps limited credit histories,

In addition, the higher debt - to - income limit means that people who already have significant levels of personal debt will find it easier to qualify for a conventional loan than an FHA loan.

One would hardly realize that the problem facing U.S. industrial employment is that wage earners must earn enough to pay for the most expensive housing in the world (the FDIC is trying to limit mortgages to absorb just 32 per cent of the borrower's budget), the most expensive medical care and Social Security in the world (12.4 per cent FICA withholding), high personal debt levels owed to banks and rapacious credit - card companies (about 15 per cent) and a tax shift off property and the higher wealth brackets onto labor income and consumer goods (another 15 per cent or so).

As you can see in the table below, FHA allows higher debt - to - income ratio limits for borrowers with one or more «compensating factors.»

Fannie Mae, the government - sponsored corporation that buys home loans from lenders, announced in 2017 that they would start allowing higher debt - to - income limits for borrowers.

One of those challenges, Warren said, is that high student loan debt across the country has limited millions of young people's opportunities.

«Many investors are interested in high credit quality bonds, but the supply of AAA - rated corporate debt in the U.S. is very limited,» said Michael L. Sapir, Chairman and CEO of ProShare Advisors LLC, ProShares» investment advisor.

The «GSE» will soon allow for higher debt - to - income ratio limits.

Best for people with no valuable assets, limited monthly budget, high sensitivity to interest rates, and / or high credit card debt.

If you have credit cards with high credit limits, and you haven't run up any debt on them, your score will increase.

You might have a tough time taking out other loans if the lender decides that your debt - to - income ratio or balance - to - credit limit is too high — even if the payment history is perfect.

Better scores, higher income, lower debt - to - income ratios and less outstanding debt usually means lower interest rates and higher credit limits.

Aim for a score of 740 or higher, which may be accomplished by eliminating as much debt as possible, paying credit card bills in full and on time, and using no more than 30 % of your credit limit.

Check out this awesome article next: «How to Use Unsecured Debt to Get Hundreds of Thousands of Dollars in Available Credit — Learn How to HACK High Credit Limits!»

Requirements include; — Must have a high credit score (above 700 FICO score on average)-- Must have sufficient income to show a low debt to income ratio — Must have a low debt to credit ratio (credit limits can not be all maxed out)

Indeed, without proper planning, and without tracking your spending, you can easily wind up in debt — and pay high interest fees and even over the limit fees.

The US - listed iShares S&P / Citigroup International Treasury Bond Fund (IGOV) starts with a cap - weighted index but makes adjustments «designed to distribute the weights of each country within the index by limiting the weights of countries with higher debt outstanding and reallocating this excess to countries with lower debt outstanding.»

Once your high - interest debts are repaid, face reality: if you can't handle credit cards, have only one with a $ 1,000 or less credit limit.

It limits borrowers to a debt - to - income ratio no higher than 43 %.

Keeping in mind your credit limit, you may transfer balances from your other credit cards with higher interest rates to the Citi Simplicity ® account and pay down the total debt at no cost and at your own pace within 18 months.

But if for some reason you really can't get a big enough credit limit on the card to transfer your whole high - interest balance, there are other ways to bring down the rate on your debt.

Unsecured credit cards are «regular» credit cards that don't require you to deposit any cash with the bank as collateral against unpaid debt: you're allowed to make purchases up to your credit limit, and can pay for your purchases over time — although you'll typically pay high interest rates on any purchases you don't pay off in full each month.

Certain lenders cater to borrowers with low income, while others specialize in creating mortgages for people who have limited documentation, high debt - to - income ratio, or a short credit history.

While lenders used to allow primary mortgage and home equity debt to reach as high as 100 % of a home's value, Francisco says his bank limits total lending to 85 % of a home's value today.

Think of it as a credit card but with higher limits, generally lower rates and less time to pay off your debts.

With a conventional mortgage (Fannie or Freddie), there are higher down payment requirements not to debt to income limits and / or mortgage insurance add - ons that hurt your net income when it's a 2 to 4 unit property.

Your co-signer is accepting complete liability of your loan; as a result, until you pay off the debt, it will limit his or her borrowing potential and will probably result in higher interest rates on other loans and purchases made on credit.

Higher undergraduate and graduate loan limits implemented in the early 1990s and 2007, the elimination of limits on PLUS loans in 1993, watering down of accountability rules, like the change to the «85/15» rule in 1998, expansions of loan eligibility to online programs (including online graduate programs) in 2006, and overall rising costs have allowed many more borrowers to accumulate not - before - seen levels of debt, and many will never be able to repay it.

At SoFi, first - time homebuyers can expect an easier approval process even if they have a limited credit history or a high debt - to - income ratio.

June, 2012: Another round of rule changes introduced a stress test reducing the maximum amortization period down to 25 years for high - ratio insured mortgages; a maximum debt load of 44 per cent of income on all mortgages regardless of loan to value; a new maximum loan to value of 80 per cent for refinances; limiting government - backed insured high - ratio mortgages to homes valued at less than $ 1 - million and and creating a maximum 65 % loan to value on lines of credit unless combined with a mortgage component.

If you are financially in a good position, you should pay to double the minimum payment on high credit card debt, until you get the balance to be below 30 % of what the limit is.

This option is ideal for those students who have accrued very high debts from their college loans but have only a limited income.

A higher credit limit makes it too easy to get into more debt.

For many, this is common, and what sounded promising with one card, becomes problematic when many cards, and higher credit card debt limits, are introduced.