Sentences with phrase «losses at all income levels»

Not exact matches

They also fear that at such elevated levels, many Canadian households would be unable to withstand a financial shock such as a loss of income, or a sudden spike in interest rates that raised debt services charges.

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.

At diagnosis, 20 percent of families were low - income; six months later an additional 12 percent suffered income losses that pushed their income below 200 percent of the federal poverty level.

Students at the greatest risk for summer learning loss can lose up to two years of grade - level reading and math ability by the time they reach fifth grade when compared to children from higher - income households.»

In summer 2015, intensive literacy instruction was given to more than 400 low - income LEP elementary students who were performing below grade level and at great risk for summer learning loss.

Here, in the US, we have a stripped down version of negative gearing for rental properties - its called «rental real estate activity passive losses», and investors can deduct losses against current income, but up to a certain limit, with phase - out at high income levels.

[4] That ensured that at personal level and, more importantly, at a national level, property losses would not be subsidised by income from personal exertion.

As a general trend, developing countries suffer more food losses during the production stages, while food waste at the retail and consumer level tends to be higher in middle and high - income regions.

«In my experience it is very difficult for the judge who strives for a clean break to discern the point at which he has reluctantly to accept that such is impracticable in that the minimum appropriate level of capital award on a clean break basis to the spouse with the likely lower income would represent too great a loss of capital for the spouse with the likely higher income... this is a case in which the clean break... is just achievable, albeit only on the basis of a relatively modest departure from equality».

It stated that if caseloads remained at existing levels then claimant solicitors would lose about # 200m in income, as well as «possible» loss of income from lower conditional fee agreement fees.

«Often the most troublesome loans in an economic downturn are those made to higher - income borrowers who suffer job losses, because of the comparative scarcity of replacement jobs at that salary level,» says Widener.