Sentences with phrase «how additional payments»

This gives the consumer some flexibility to decide how additional payments are applied.

Not exact matches

Then review your budget to determine how much money you can add toward additional debt payments.

In a quick call or online query, homeowners can find out how their mortgage servicer handles additional funds combined with a regular payment.

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.

Factor in on top of that the serious pressure on the DWP to come up with big additional cuts in welfare payments to reduce the pain on other departmental budgets and keeping things «progressive», living up to the boasts, making the graphs much pointed to by Lib Dem MPs a reality in a five - year retrenchment that leans heavily on cuts over tax hikes... and you see how difficult it will be to secure and hold the progressive mantle through this saga ahead.

Then review your personal budget to figure out how much you can add toward additional debt payments every month.

Then review your budget to determine how much money you can add toward additional debt payments.

In this lesson, students compare different methods of employee payment, analyze wage deductions, interpret a pay stub, and explain how being employed can provide additional benefits.

Once you've received a final quote for your project, there are usually terms listed or provided, such as whether payment is required up front (it usually is for new clients or authors), how long it will take to produce the books from the time you provide the files, what kind of proofs you'll receive, whether shipping costs are included or additional, and so on.

Any additional income, no matter how minimal compared to your salary, can help you pay those payments without giving up much of your lifestyle.

How she did it: «My strategy was extreme budget - cutting to make as many additional payments toward principal as possible.

True bi-weekly vs standard bi-weekly Shows how much you will save if you calculate interest for two - week intervals and apply the bi-weekly payments less the interest to reduce principal every two weeks, instead of having your money withdrawn from your bank account every two weeks by your lender and making a full mortgage payment once a month plus one additional payment once a year out of a special account, managed by the lender.

This calculator will show you how much you will save if you calculate interest for two - week intervals and apply the biweekly payments less the interest to reduce principal every two weeks (in other words, if you set up a true biweekly (sometimes called simple interest biweekly) payment schedule), instead of having your money withdrawn from your bank account every two weeks by your lender and making a full mortgage payment once a month plus one additional payment once a year out of a special account, managed by the lender (pseudo biweekly or standard biweekly payments).

Next, check your mortgage interest rates and classes to see how additional down payments affect your monthly payments (or reduction in interest).

To know if it's worth the trouble to cash out, you should figure out how much that additional $ 10,000 will cost you in principal & interest and compare it to what your current monthly payments are today.

Tip: Ask your new loan servicer if there are any restrictions or limitations on how often additional principal payments can be made.

Even if you can afford the additional monthly payments of a second mortgage, your lender will limit how much it's willing to lend based on the value of your home versus the total combined amount of your first mortgage and second mortgage.

OTHER MATTERS See the brochure titled «Account Information» for additional details pertaining to the «Online Bill Payer» Service, including how to stop payments, your right to documentation, your liability and that of the Credit Union and the possible disclosure of information to third parties.

The FSG will say what services they offer, how they charge and whether they receive any additional payments or benefits.

See how making additional payments each month will affect your loan's payoff date.

The length of time will be determined by your choices: how aggressively you will cut your lifestyle, take on extra jobs, and place additional payments on your debt.

It can be helpful to think about how long you think you'll own the home — if you're planning on selling in a few years the no cost refi can be a good call since you'll only end up paying a portion of the additional interest and you'll be able to take advantage of the reduced payment for each month you own the home.

Experiment with the Extra Payment options to see how much you can save by making additional payments on the principal.

When you're planning for a down payment, there are additional considerations beyond «how much can I afford to put down».

Since 2007, policymakers have tried to reduce defaults by creating additional plans that tie borrowers» payments to their incomes.35 While most of these plans were likely created after many dropouts entered repayment, it would be helpful to know if and how students» usage of different repayment plans changed over time.

If I made no additional charges on the card and only made a payment of $ 95.36 each month (not sure how they came up with this amount — maybe it's the 36 - month pay - off amount), it would take me 36 months to pay off this debt and end up costing me $ 3,432.96.

It calculates your monthly payment and lets you include additional extra payment (prepayments) to see how soon you could pay off your home, or how much you could save by paying less interest.

This calculator is designed to show you how much time and money — over the life of the loan — you could save by paying an additional amount in your mortgage payment each month.

-- Making additional charges and payments on your card on the same billing cycle won't impact score; what really counts is how much you owe at the end of each month, and when you pay it.

About the shareholder's question on how to charge for smart device applications, in general, there is one system to ask consumers to make a one - time payment for the application and another system to ask consumers to pay for additional downloadable content.

An Equity Incentive Plan establishes how the committee will administer the payment of stocks, and sets clear guidelines for eligibility, restrictions, and additional controls to protect the business.

Schedule Loss of Use awards are additional cash payments which are determined based on which body part was damaged and how much it was damaged.

One of the biggest challenges posed by PSD2 is how to incorporate the additional security measures required to safeguard sensitive customer data while allowing third - parties to provide payment services.

In theory, the firm would use its retained earnings (monies left over after payment of salaries and other expenses) to invest in innovations that re-invent how services are delivered (taking off the pressure lawyers have to chase billable hours), which in turn would reduce prices — or the firm would invest in legal services that can be done without lawyers, thereby creating an additional income stream.

The approximate numbers of additional clients he has been able to take on because of the flexible payment options he offers, and how this impacts the overall profitability of his practice

Our review of the most important court cases for construction comes from Andrew Croft and Simii Sivapalan, focusing on a Court of Session ruling highlighting that contractual rights of set - off may be used as a defence in respect of any additional assessment for payment under a payment certificate, even in the absence of pay less notices; and one showing how the drafting of the guarantee as a whole will be key in determining the differences between a guarantee and demand bond.

You can pick how you want the dividends to be used: paid out in cash, reduce your premium payments, accumulate interest, or pay for Paid Up Additional insurance (which increases your policy value).

Depending on how you set up payments, the additional costs can add up!

US News recently outlined how making small, interest - only payments while enrolled will help you avoid having additional dollars tacked onto your balance after you graduate.

No matter how small a monthly student loan interest payment may be, it's still an additional expense that can be difficult for many students on a budget to meet.

Additional information may include the amount of payment actually made to your provider and how much of your annual deductible and out - of - pocket maximum have been met.

As you continue your exploration for a suitable Term Plan, you can create a free quote to understand how your plan may pan out, and what all options are available in terms of coverage, cover period, payment modes and additional benefits with riders.

Last November, Google, Starbucks and Amazon were quizzed over their tax payments and now Reuters reports that Margaret Hodge, head of the Public Accounts Committee (PAC), will contact Google's UK representatives with an additional request to explain how it closes sales and works between its London and Dublin offices.

Additional comments covered how bitcoin exchanges are volatile and could close at any time, and that bitcoin transactions, by nature of their design, are not reversible like other popular forms of payment.

How do I handle requests for such references?Thank you so much for your help!CherylCHERYL M. EARLE3407 Old Dobbin Road, Montgomery, Alabama 36116 - 1903Home Phone: [phone] Cell Phone: [phone] Fax: [phone] E-mail: [email protected] position managing legal discovery and document review with opportunity to assist attorneys with civil litigationBAR ADMISSIONAlabama State Bar, 1999LAW - RELATED EXPERIENCELaw Firm, AlabamaResearch Attorney for Special Projects, Mass Torts Department, November 2001 — February 2008 • Managed Multi-District Litigation (MDL) Document Depository (September 2002 to February 2008) o Reviewed more than 1 million pages of evidentiary documents for litigation purposes and for inclusion in electronic databaseso Coordinated document review assignments with attorneys at local depository and at other sites across the USo Retrieved, reviewed and coded documents in Concordance and Summation legal databaseso Prepared memoranda and spreadsheets providing detailed analysis of discovery materials • Aided attorneys and support staff with processing and preparation of personal injury claims and litigationo Conducted legal research and drafted pleadingso Conducted supplementary online research for additional documents and information pertinent to litigationo Assisted with preparation of correspondence to clients and referring attorneyso Contacted clients for additional information needed in case preparation, litigation, and potential settlementso Prepared and input case intakes and referrals into databaseLaw School, AlabamaStudent Intern, Alabama Disabilities Advocacy Program (ADAP), August 1996 — June 1997 • Participated in law school clinical program under third - year law student practice rule (as authorized by Alabama Supreme Court) o Assisted attorneys and advocates in cases involving mentally ill patients confined to state mental health facilitieso Interviewed clients in person (at state facilities) and over the phoneo Worked with clients, attorneys, and social workers to investigate and resolve issues concerning involuntary confinement and treatmento Aided in legal research on an appellate brief submitted to the U. S. Court of Appeals for the Eleventh Circuit (ruling granted in favor of our client) Faculty Research Assistant for Library Services, Bounds Law Library, March 1996 — June 1997 • Prepared research and teaching materials for law school faculty; worked 20 hours per week while matriculating 10 - 15 hours per semester) o Investigated copyright issues related to procuring and reproducing texts for academic useo Conducted legal research using WESTLAW, LEXIS and the InternetADDITIONAL RELEVANT EXPERIENCEManufacturing Company (MC), Montgomery, AlabamaAdministrative Assistant and Cost Analyst, Materials Purchasing Department, April 1999 — September 2001 • Assisted materials buyers in negotiating and preparing commodities contracts between raw materials suppliers and MC for manufacturing plants in the US and Mexicoo Assisted Legal Department at MC's corporate headquarters with coordination and preparation of documents for litigationo Notified and educated suppliers about MC's freight - on - board policy and its corresponding Uniform Commercial Code (UCC) provisions; result was the reduction of freight claims for both the company and its supplierso Prepared contracts and purchase orders for raw materials and capital projects involving plant maintenanceo Solicited price quotations from current vendors and established Excel spreadsheet format which simplified quote submission process and allowed MC to track and compare usage volumes and costs over timeo Prepared and analyzed cost reports used by materials buyers and production planners in purchasing decisions, including cost reductions, materials consolidation, and selection of vendorso Acted as liaison between vendors and the Purchasing, Transportation and Accounting Departments on issues concerning inbound freight, commercial carriers, and payment terms for commodities, resulting in reductions in freight costs and greater payment discounts for raw materialso Established online databases and printed directories for the Purchasing Department, allowing buyers to have easier and faster access to current vendor informationo Completed Year 2000 (Y2K) compliance project, which involved data collection and communication with MC's past, present, and potential materials suppliers and service providersNot - For - Profit Organization, AlabamaAdministrative Assistant, Combined Federal Campaign, September 1998 — January 1999 • Aided Campaign Director with 1998 Federal Campaigns (CFCs) in City 1 and City 2, which together generated nearly $ 700,000 for more than 1,000 local, national and international charitieso Prepared weekly reports on donations using WordPerfect, Microsoft Word, Excel and dBase IVo Wrote script for Talent Showcase at City 1's 1998 CFC Kickoffo Assisted Director with merger of the City 1 and City 2 CFCs in 1999Regional Bank, AlabamaAdministrative Assistant, Year 2000 (Y2K) Department, March — June 1998 • Worked with Vice President of Corporate Projects on short - term project for the bank's Y2K Departmento Analyzed and processed data on Y2K readiness for all branches of Bank throughout the southeastern USo Organized meetings for personnel of Banko Communicated with vendors of computer hardware, software, and office equipment to request information on Y2K complianceo Prepared compliance files for Federal Reserve auditso Prepared in - house memoranda and reports using Microsoft Word and ExcelRecord / Music Promotion Company, AlabamaRecord Pool Co-Founder; Office Manager, September 1990 — December 1991 • Co-founded record pool to enhance promotion of music in Alabama and the southeastern USo Procured and distributed records from major and independent labels for club, radio and mobile disc jockeyso Coordinated jointly sponsored promotional events with record companies, radio stations and clubso Designed, wrote, and published bi-weekly reports and brochures to inform the music industry of the progress and popularity of music and performers in the region, with specific focus on the Alabama music sceneMajor University, AlabamaGraduate Research Assistant, AUM Department of Marketing, June 1989 — August 1990 • Worked 13 - 20 hours per week as a research assistant to Marketing faculty while carrying a full course load in the MBA programo Analyzed consumer surveys used in academic researcho Assisted Conference Chairperson with coordination for Atlantic Marketing Association (AMA) annual meeting (October 1989) o Co-authored five - year index and classification of AMA Proceedings (published Fall 1991) EDUCATIONLaw School, AlabamaJuris Doctor (JD), 1997 • Scholarshipso Seybourn H. Lynne Scholarship, 1996 - 97o Dexter C. Hobbs Memorial Scholarship, 1995 - 96o E. W. Godbey Memorial Scholarship, 1994 - 95 • Honorso Who's Who Among American Law School Students, 1996 - 94o Arthur Davis Shores Award, 1997 • Activitieso Frederick Douglass Moot Court Team Manager, 1996 - 97 Southern Regional Competition, Second Place National Competition, Eighth Placeo John A. Campbell Moot Court Competition, Spring 1996o Black Law Students Association Delegate, BLSA National Convention, 1997 Co-Chairperson, Public Relations Committee, 1996 - 97 Chairperson, Public Relations Committee, 1995 - 96 BLSA President's Award, 1996 and 1997o American Bar Association, 1996 - 97 Entertainment and Sports Industries Forum Intellectual Property Section Law Student Divisiono LAWS Student Group Leader, 1995 - 96Major University, AlabamaMaster of Business Administration (MBA), 1990Bachelor of Science in Business Administration (B.S.B.A.), 1988 (Major: Marketing — Advertising and Promotion Track) • Honorso Dean's List • Activitieso National Student Advertising Competition Team, 1988 - 90 Seventh District Competition: Third Place, 1990o Marketing Club, 1987 - 90 Vice President — Career Development, 1988 - 89o Public Relations / Advertising (PR / AD) Club, 1988 - 90 Charter Member, 1988 Active in fund - raising and membership driveso Theater Guild, 1988 - 90 Screening Committee, 1989REFERENCESAvailable upon request

When you're planning for a down payment, there are additional considerations beyond «how much can I afford to put down».