It means
including other debts in a refinancing of your home.
Your TDSR - which is your entire monthly debt load (which
includes other debts such as car loans and credit card payments)- should not be more than 40 per cent of your gross monthly income.
Your liabilities
include your other debts — student loans, credit cards, car loans, etc..
That's not
including the other debt I have, -LSB-...]
But a proposal can include tax debts, it can obviously
include other debts like credit cards, lines of credit.
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.
And while Macdonald did not look into it,
other studies have pointed to another major influence China has had lately on many countries,
including Canada: how its high savings rate and mounting foreign currency reserves, much of it invested in benchmark U.S. government
debt, have depressed interest rates around the world.
Other underperformers could
include emerging - market stocks, which, while positively affected by any rise in commodity prices, would be vulnerable to further strength in the U.S. dollar, in which much of their
debt is denominated.
Actual operational and financial results of SkyWest, SkyWest Airlines and ExpressJet will likely also vary, and may vary materially, from those anticipated, estimated, projected or expected for a number of
other reasons,
including, in addition to those identified above: the challenges and costs of integrating operations and realizing anticipated synergies and
other benefits from the acquisition of ExpressJet; the challenges of competing successfully in a highly competitive and rapidly changing industry; developments associated with fluctuations in the economy and the demand for air travel; the financial stability of SkyWest's major partners and any potential impact of their financial condition on the operations of SkyWest, SkyWest Airlines, or ExpressJet; fluctuations in flight schedules, which are determined by the major partners for whom SkyWest's operating airlines conduct flight operations; variations in market and economic conditions; significant aircraft lease and
debt commitments; residual aircraft values and related impairment charges; labor relations and costs; the impact of global instability; rapidly fluctuating fuel costs, and potential fuel shortages; the impact of weather - related or
other natural disasters on air travel and airline costs; aircraft deliveries; the ability to attract and retain qualified pilots and
other unanticipated factors.
According to the Wall Street Journal, citing anonymous sources, Spotify's deal terms come with «onerous guarantees,»
including being able to convert the
debt into equity at a 20 % discount to the share price of the public offering, among
other special promises.
By the end of the year, he and Raider had also gotten their seed backer, Thrive Capital, along with five
other investors, to help raise $ 122.5 million,
including $ 35 million in
debt.
While most of the world would simply buy a larger house, a nicer car and better wardrobe, I've been sinking this cash into several
other more productive avenues,
including more real estate investments, paying off
debt and going on some relaxing vacations.
In
other countries,
including Australia and the U.K.,
debt - and equity - based investment crowdfunding has been implemented successfully.
The bill's introduction also comes amid various actions and statements by the Trump administration,
including a fourth round of sanctions that restrict Venezuela and Petróleos de Venezuela SA, a state - owned oil company, from issuing new
debt or from engaging in
other financial dealings with U.S. citizens.
Her expertise
includes saving and investing for retirement, paying for college, managing mortgage, student loan, credit card and
other debt, and building a financial legacy through estate planning.
Other benefits of investments using
debt include tax advantages and a higher return on my investment (ROI) because I've used less of my own money to purchase the asset.
Other reasons for an increase
include heading off a deflationary
debt spiral, and conversely, the risk of very high inflation.
You'll want to
include costs like your child's tuition, any
debt payments you need to make, or any
other expenses you'd have to cover if your income is interrupted.
Current liabilities
include notes payable on lines of credit or
other short - term loans, current maturities of long - term
debt, accounts payable to trade creditors, accrued expenses and taxes (an accrual is an expense such as the payroll that is due to employees for hours worked but has not been paid), and amounts due to stockholders.
Services
include debt recovery, accounts receivable management and
other business process outsourcing solutions.
Results for the current quarter
included positive revenue of $ 3.4 billion, or $ 1.12 per diluted share, compared with negative revenue of $ 731 million a year ago related to changes in Morgan Stanley's
debt - related credit spreads and other credit factors (Debt Valuation Adjustment, DVA).
debt - related credit spreads and
other credit factors (
Debt Valuation Adjustment, DVA).
Debt Valuation Adjustment, DVA).2, 3
These risks and uncertainties
include competition and
other economic conditions
including fragmentation of the media landscape and competition from
other media alternatives; changes in advertising demand, circulation levels and audience shares; the Company's ability to develop and grow its online businesses; the Company's reliance on revenue from printing and distributing third - party publications; changes in newsprint prices; macroeconomic trends and conditions; the Company's ability to adapt to technological changes; the Company's ability to realize benefits or synergies from acquisitions or divestitures or to operate its businesses effectively following acquisitions or divestitures; the Company's success in implementing expense mitigation efforts; the Company's reliance on third - party vendors for various services; adverse results from litigation, governmental investigations or tax - related proceedings or audits; the Company's ability to attract and retain employees; the Company's ability to satisfy pension and
other postretirement employee benefit obligations; changes in accounting standards; the effect of labor strikes, lockouts and labor negotiations; regulatory and judicial rulings; the Company's indebtedness and ability to comply with
debt covenants applicable to its
debt facilities; the Company's ability to satisfy future capital and liquidity requirements; the Company's ability to access the credit and capital markets at the times and in the amounts needed and on acceptable terms; and
other events beyond the Company's control that may result in unexpected adverse operating results.
TransUnion and Equifax collect credit information,
including a borrower's payment history,
debt load, maximum credit limits, names and addresses of current creditors, and
other elements of their credit relationships.
In addition to factors previously disclosed in Tesla's and SolarCity's reports filed with the U.S. Securities and Exchange Commission (the «SEC») and those identified elsewhere in this document, the following factors, among
others, could cause actual results to differ materially from forward - looking statements and historical performance: the ability to obtain regulatory approvals and meet
other closing conditions to the transaction,
including requisite approval by Tesla and SolarCity stockholders, on a timely basis or at all; delay in closing the transaction; the ultimate outcome and results of integrating the operations of Tesla and SolarCity and the ultimate ability to realize synergies and
other benefits; business disruption following the transaction; the availability and access, in general, of funds to meet
debt obligations and to fund ongoing operations and necessary capital expenditures; and the ability to comply with all covenants in the indentures and credit facilities of Tesla and SolarCity, any violation of which, if not cured in a timely manner, could trigger a default of
other obligations under cross-default provisions.
Actual results could differ materially from those expressed in or implied by the forward - looking statements contained in this release because of a variety of factors,
including conditions to, or changes in the timing of, proposed real estate and
other transactions, prevailing interest rates and non-recurring charges, store closings, competitive pressures from specialty stores, general merchandise stores, off - price and discount stores, manufacturers» outlets, the Internet, mail - order catalogs and television shopping and general consumer spending levels,
including the impact of the availability and level of consumer
debt, the effect of weather and
other factors identified in documents filed by the company with the Securities and Exchange Commission.
debt obligations of the U.S. government that are issued at various intervals and with various maturities; revenue from these bonds is used to raise capital and / or refund outstanding
debt; since Treasury securities are backed by the full faith and credit of the U.S. government, they are generally considered to be free from credit risk and thus typically carry lower yields than
other securities; the interest paid by Treasuries is exempt from state and local tax, but is subject to federal taxes and may be subject to the federal Alternative Minimum Tax (AMT); U.S. Treasury securities
include Treasury bills, Treasury notes, Treasury bonds, zero - coupon bonds, Treasury Inflation Protected Securities (TIPS), and Treasury Auctions
Additionally,
debt can take on multiple structures
including but not limited to senior secured, mortgage, unsecured, convertible, zero - coupon, payment - in - kind, revolvers, floating - rate, and structured products among countless
others.
Its jurisdiction
includes banks, credit cards, payday lenders, mortgage lenders, and
debt collectors, among
others.
He was also forced to clean up
other messes,
including bad bets on U.S. subprime mortgages and structured
debt that cost the bank more than $ 10.7 billion in writedowns from 2007 to 2009, the most of any Canadian lender during the financial crisis.
Consumers with student loans are more likely to turn to
other sources of
debt,
including credit cards and personal loans, to help them pay for holiday spending — the survey showed they're also more likely to try to save money by selling presents they receive or re-gifting items.
Other important facets of
debt investments
include any covenants required of the debtor, events of default, recourse, prepayment provisions, fraudulent conveyance, underlying security, and many
others.
KKR, TPG and
other buyout firms acquired the company for about $ 45 billion,
including debt.
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.
If your
debt is sent to the Treasury Department, you should be aware that they can collect using intrusive recovery methods, which
include garnishing your wages, Social Security benefits or
other retirement benefits, offsetting your bank accounts, and withholding any federal income tax refunds.
Also, that test was required to
include other, existing
debt (which is often substantial for investors).
The kinds of data collected using the Access Information may
include bank account data, mortgage, student loan, and
other loan data, data on credit card
debt, spending patterns and the like.
Peltz also proposed cutting
other «excess» costs, adding
debt, adopting a more shareholder - friendly policy for distributing cash from CyclicalCo / CashCo, prioritizing high returns on invested capital for initiatives at GrowthCo, and introducing more shareholder - friendly governance,
including tighter alignment between executive compensation and returns to shareholders.
Any
other qualified
debt,
including most home equity loans and lines of credit, is considered to be a home equity
debt.
Banks, credit unions and
other financial institutions — they provide several types of
debt instruments
including credit cards, leasing products, demand / short - term loans and term loans.
At Bear, Stearns & Co., Mr. Abbott served as a Vice President in Financial Analytics & Structured Transactions (F.A.S.T) where he structured and reverse engineered complex CDO transactions, secured by a wide range of
debt products,
including high yield bonds, senior secured leverage loans, trust preferred bank loans, RMBS as well as
other esoteric receivables.
(a) Share of total Australian dollar assets (per cent), subcomponents are the share of liquid assets (b) While deposits with
other banks are a store of liquidity, they do not contribute to the stock of liquidity held by the banking system as a whole, since the recipient banks will, in turn, need to hold additional liquidity against these deposits; consequently, they are excluded from this table (c)
Includes Commonwealth Government Securities and securities issued by the states and territories (d)
Includes notes and coins, Australian dollar
debt issued by non-residents and securitised assets (excluding self - securitised assets)
These guidelines
include factors such as
other types of
debt, savings, spending patterns, and payment history.
Other worries highlighted by S&P
included geopolitical tensions, asset price volatility, a Chinese
debt overhang, cybersecurity threats, and increased populism and anti-globalisation sentiment around the world.
There is, in
other words, actually quite a lot that we know and understand about the model, even if many of us seem to have forgotten much of it —
including its typical weaknesses, one of the most obvious of which is the tendency for over-investment in the late stages of the miracle - growth period leading to an unsustainable increase in
debt.
When market conditions favor wider diversification in the view of Hussman Strategic Advisors, Inc., the Fund's investment manager, the Fund may invest up to 30 % of its net assets in securities outside of the U.S. fixed - income market, such as utility and
other energy - related stocks, precious metals and mining stocks, shares of real estate investment trusts («REITs»), shares of exchange - traded funds («ETFs») and
other similar instruments, and foreign government
debt securities,
including debt issued by governments of emerging market countries.
We expect that the New Credit Facility will contain a number of covenants that, among
other things, restrict SSE Holdings» ability to, subject to specified exceptions, incur additional
debt; incur additional liens and contingent liabilities; sell or dispose of assets; merge with or acquire
other companies; liquidate or dissolve itself, engage in businesses that are not in a related line of business; make loans, advances or guarantees; pay dividends or make
other distributions (with certain exceptions,
including tax distributions and repurchases of management equity); engage in transactions with affiliates; and make investments.
Other requirements by lenders
include a
debt - to - income ratio of at least 43 % and loan to value ratio of 80 % or less.
The few problems affecting the overall health of the Chinese economy
include local government and corporate
debts, bloated state sector and a fragile property market, among
others.
Other factors —
including tightened capital controls within China as a result of the 1990s Asian
debt crisis — also nudged Chinese offshore.
It's a challenge for Canadians still struggling to cope with the record amounts of consumer
debt they amassed after the 2008 financial crisis because lenders use their prime rate as a benchmark for setting some
other short - term rates
including variable - rate mortgages and lines of credit.