Sentences with phrase «of less debt»

«There are a great many young people considering forgoing the traditional post-secondary education route in favor of less debt, more employer - sponsored training, and more employment opportunities [according to the Universum research],» said China Gorman, newly installed as Universum's chairman of the board for North America and former chief operating officer and interim CEO at the Society for Human Resource Management.

Not exact matches

Times editorial board member Elizabeth Williamson writes that wealthier tech employees seem to support Clinton; meanwhile, those living in «a less glamorous Silicon Valley, inhabited by brainy young people whose long hours power the big companies and whose college debt is so heavy that some of them can't even qualify for a credit card» are «feeling the Bern.»

• Even though Canadians have a lot of mortgage debt, national mortgage - in - arrears numbers remain very low, at less than half of one per cent.

This will set off a vicious cycle of higher deficits that lead to higher debt, which in turn will mean higher interest costs and less funding available for healthcare, education and other provincial services.

The bottom 60 % have less liquid forms of wealth (cars, real estate) and more costly forms of debt (student loans, credit card debt).

Beijing and the World Bank officially claim China's government debt remains very manageable, at less than 20 % of GDP — far below levels in the industrial world — but the truth is, local governments are piling on new debt at a staggering pace.

D'Alessandro counters that such poor international performance is more likely because of a lack of leadership, a problem extending back to the less - developed - country debt crisis of the late 1970s, when many developing countries defaulted on their bank loans.

The first priority is to keep a downward debt - deflation spiral from taking hold; once that scenario is less of a risk, reining in government finances can be considered.

Free Cash Flow - Net cash provided by operating activities less cash purchases of property and equipment, including proceeds related to beneficial interests in securitization transactions and less cash payments for debt prepayment of debt extinguishment costs.

Second, while it makes sense that an environment in which investments, like government debt, are yielding a smaller return might cause people to spend less today in order to make their retirement goals, there just isn't a lot of evidence that this happens in the real world.

When income is distributed very unequally, the only way for less well - off people to have the same material possessions as more well - off people is to spend all of their income and even to go into debt.

That's likely an extreme case, but other investigations by state attorneys general and the Federal Trade Commission have routinely found debt - settlement companies with completion rates of 10 % or less.

Without the presence of U.S. banks, the market for sovereign debt could become less liquid, and borrowing costs for governments could rise.

They also showed agreement, albeit to a lesser extent, with Flaherty's alternate proposal of an embedded capital tax, where financial institutions could convert debt to equity to aid the financial institution in the event of a crisis instead of using taxpayer dollars.

They usually pay good dividends, usually trade for less than their cash or assets in the bank, and are fairly stable (it's very hard for a municipality to not pay back its debts for various reasons, some of them constitutional).

(See Making Student Debt Less Sticky) While the very uniqueness of each loan and each employee's situation makes it inefficient and uneconomical for any one business to take on the problem, in the aggregate this problem is a large source of growing concern for more than 40 million student and parent debtors (as well as their employers).

In essence, if correct, this means there is less price risk in government debt securities than corporate fixed income issues, and therefore the extra 10 % should largely be made up of government bonds rather than corporates and preferred shares.

The sharp jump in debt yields in tandem was mirrored by a rally in commodity prices, which suggests that investors are becoming less worried about the risks of deflation.

If you have a slow month, you'll know you'll have less to spend and can start thinking of ways to tighten up your budget and avoid getting into debt.

With most of these debts being held by Chinese entities, it's unlikely we'll see a banking crisis in the same way we could have seen if Greece or Spain went belly up, said Lau — many foreign banks hold European bonds — but we've seen markets panic on far less worrisome Chinese news in the past.

Hilary Stout illustrated this problem in The New York Times in June: «After all, the millennial generation has less wealth and more debt than other generations did at the same age, thanks to student loans and the lingering effects of the deep recession,» she wrote.

These include currency - hedged ETFs, triple - levered ETFs based on commodities, unconstrained bond funds with short positions betting against U.S. Treasurys, private equity funds, emerging market debt instruments, historically less - liquid bank loan funds, and all manner of actively managed strategies packaged in supposedly easy to buy and sell wrappers.

«Those with significant student debt are much less likely to own a home at any given age than those who completed their education with little or no student debt,» William Dudley, president of the New York Fed, told reporters on Monday.

Governor Snyder has said that the bankruptcy filing will allow the city to spend more money on public services because less of its money will be hurdled toward paying interest on debt.

GolfTEC's Assell used a lesser - known option, subordinated debt, which enables business owners to retain more ownership of their company while still receiving the capital they need.

Now, emerging markets have flexible - exchange rates, much less foreign debt, and substantially larger reserves of foreign currency.

At the University of Wisconsin's Business School in Madison, the average debt burden for graduating MBAs was $ 15,481, $ 106,889 less than Wharton's average, while the first - year median comp package was $ 114,694, just $ 31,609 below the median pay for a Wharton grad.

Debt: If your company has been in business for less than three years, has no record of regular profitability or has a negative net worth, most banks won't take your call.

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.

Some funds are from debt (less risky to the creditors, so it has a lower cost of capital to the firm), and some funds come from equity (more risky to the investors, so these have a higher cost of capital).

Equity you can expect to give up: Usually less than 20 percent (convertible debt notes are often employed for this type of funding).

Examination of data from the Federal Reserve's Survey of Consumer Finances — the central bank's effort to examine the financial conditions of American families — by two Northeastern University scholars shows that households with more student debt are less likely to start businesses than other households.

The stocks that hedge funds have largely ignored tend to be much larger than the hotels, have less debt, grow earnings more slowly but consistently, and pay bigger dividends (an average yield of nearly 3 % for the S&P 500 constituents, compared with 2 % for the index overall).

The Company defines net debt as total debt less the total of cash, cash equivalents and current and long - term marketable securities.

It felt free to issue such an advisory, the central bank said, in part because it was less worried about those record levels of consumer debt and the housing market, both of which economists have said appear to be moderating.

That would make REITs less attractive to investors relative to bonds, while raising the cost of their debts — cutting into profits.

Amid $ 37 billion of total debt, Sprint has $ 9 billion coming due in less than two years.

Another way to look at that is if those in the audience who know what covenant - light loans are, which are loans without a lot of stuff tied around you, back in» 06,»07 less than 20 percent of the debt was issued cov - light.

He likes to see debt - to - EBITDA numbers of less than two times, while EBITDA (earnings before interest, taxes, depreciation and amortization) should be expanding.

Student - loan debt may be only slightly less of a source of shame.

The government beat this projection by nearly $ 1.6 billion — by taking $ 1 billion from reserve, keeping spending levels $ 600 million less than projected, and through $ 335 million of savings from lower than anticipated interest rates on government debt.

While the U.S. and Europe are currently grappling with huge debts, a lot of the developing countries had their financial crises more than a decade ago and are now less vulnerable to shocks.

In that kind of environment, adding the debt and other costs associated with the proposed Tronc deal made less and less sense all the time.

The acceleration in interest expense, exceeding the rapid trajectory of borrowing, will make America's debt far less affordable, and at worst, unaffordable.

FTC and state investigations in the U.S. have found that less than 10 per cent of consumers typically complete debt settlement programs there, according to the U.S. Government Accountability Office.

In a study issued this week (Aug. 11 - 15), Goldman Sachs Bank USA economists Eli Hackle and Hui Shan showed that the homeownership rate of young adults, ages 25 - 34, who were carrying more than $ 50,000 in student, was 8 percentage points lower than for college graduates with less than $ 50,000 in student debt.

However, the creditors still get the short end of the financial stick: the face value of the common stock to be received will almost certainly be less than the face value of the original debt.

Loans take longer to repay: Since you're paying less each month, it will take longer than the typical 10 years on the Standard Repayment Plan to get out of student debt.

As Scotiabank mentioned in a note last week: «Higher interest rates are going to make the burden of refinancing the debt considerably heavier, and as more money goes into servicing the debt, it means less money is available to spend on other things, which could lead to less infrastructure spending and increased austerity.»

Still, some conservative German lawmakers have indicated ahead of Friday's vote reservations about whether they believe Greece fully meets the conditions required to tap aid from the European Union's bailout fund, much less qualifies for debt relief.