Sentences with phrase «of real disposable»

Since that peak, savings as a percentage of real disposable income has fallen more than 49 %.

Not only did credit card debt as a percentage of real disposable income skyrocket after the financial crisis, it remained elevated throughout the recovery from the Great Recession.

Not exact matches

It also raises the real value of disposable household income and in so doing may increase household consumption.

If we assume that disposable household income is currently half of GDP, eight years of real GDP growth of 6.9 % and real disposable household income growth of 7.7 % will only raise the household income share of GDP to 53.1 % in 2023, a little more than 3 percentage points higher and still below its 21st Century average and leaving China as dependent as ever on investment and the current account surplus.

At this rate it would take 25 years for disposable household income to raise by 10 percentage points of GDP, which I would argue is the absolute minimum consistent with real rebalancing.

«In an age when the technology economy is increasingly divided from the rest of the world,» the filing says, «we have hired our own real estate agents, not as a disposable labor force, but as partners in this business, with a salary, health - care benefits and the opportunity to earn stock options.»

The rate of growth in real disposable household income per capita is only 0.9 percent per year.

In the last two months the overwhelming weight of the evidence supports this view, as the following indicators have either come in below expectations or suffered an actual downturn: core durable goods orders, the Chicago Fed National Activities Index, new home sales, existing home sales, payroll employment, the NFIB Small Business Index, construction spending, the ISM Non-Manufacturing Index, the Kansas City Fed Index, the Philadelphia Fed Survey, industrial production, the Empire State Manufacturing Index, the NAHB Housing Index, the ADP payrolls, auto sales, real disposable income and the GDP.

The bankers» ideal is for the entire surplus over and above bare subsistence to be paid in the form of interest and fees — all disposable personal income, corporate cash flow and real estate rent.

The following chart shows that since February 2015, the growth rate of consumer revolving credit has nearly doubled from 3.4 % to 6.2 %, while the growth rate of real - per - capita - disposable income has been cut almost in half, from 3.2 % to 1.7 %.

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.

The industry politely refers to such disposable fighters as journeymen, and less politely calls them tomato cans, just a body on the end of a punch thrown by a fighter with a real name.

Also, we use real plates and glasses all the time instead of disposable.

A simple Google search (using the keywords: disposable diapers environmental effects) can lead you to finding the real poop about the environmental effects of disposable diapers.

If it costs $ 4.79 and you own 24 diapers and use each of those diapers 243 times (to exactly compare cloth diapers to disposable diapers in this chart), the real cost of that diaper is $ 0.02 plus the cost of washing the diaper.

I'm looking from feedback from real parents from all walks of life, whether they use cloth or disposable diapers.

With all of the options out there about cloth diapers vs. disposable ones, formula feeding your baby vs. sticking with the boob, and deciding to eat your placenta vs. tossing it — and the assumption that, in most cases, choosing one thing means choosing only that thing to the exclusion of all other things, which is totally not how it works in real life — there is already too much to think about besides how everyone else feels you should decide to raise your kid.

And we've had only a handful of blowouts and leaking incidents — the real elastic on cloth diapers holds everything in better than the fake elastic and leg gussets on disposables.

So go out and have fun, armed with cloth, be an advocate, and use your extra cash for some real treats instead of wasting money on disposables.

According to the Real Diaper Association, disposable diapers contain trace amounts of dioxin, a toxic byproduct of the paper bleaching process.»

Duluth News Tribune, February 18, 2008 Britt couple finds success selling cloth diapers (subscription only) by Peter Passi «The Real Diaper Association, a nonprofit organization that promotes the use of cloth diapers, estimates that Americans use 27.4 billion disposable diapers...»

«Each year billions of disposable diapers enter landfills where it takes hundreds of years for them to decompose, if ever,» says Heather McNamara, Executive Director of the Real Diaper Association.

«Building off the success of last year's event with 189 qualifying locations in 11 countries, we hope to show the entire world that cloth diapers are a real option for today's modern families, particularly catching the eye of expecting and new parents who may be seeking more planet - friendly and affordable alternatives to disposable diapers.»

Instead of looking for ways to make disposables bio-degradable, ecological groups, government and cloth diaper manufacturers should launch a campaign to inform the public how simple it is to use the real thing.

The Real Diaper Association estimate that 27.4 billion disposable diapers are consumed every year in the U.S. with over 92 % of all single - use diapers ending up in landfill (s)...

«Item sees real household disposable incomes falling by 1.4 % this year, following a decline of 0.8 % in 2010 — the first back - to - back declines in household income since 1976,» Mr Spencer added.

The rest of the disposable teens hold their own and read as real people, which makes the docu - feel of the flick hit harder.

As a nation of daters, we're beginning to feel more and more disposable to others, and «real» connections seem to be disappearing by the day.

This moment will inspire reams of disposable prose about how much the performer playing the famous character does or does not resemble its real - life counterpart.

Experienced real estate investors, people with a lot of disposable income, people with close relationships with their account managers

EA Sports Hockey League is now available from the get go and lets you jump in and pit your co-op multiplayer teams against real world opponents; unlike the previous iterations, which allowed boosting through micro-transactions, player abilities are now dictated by the class selected, ensuring that those of us with disposable incomes don't gain an unfair advantage.

It gets worse as millions of «would be could be's» are vying for attention from so few collectors and buyers with real disposable income.

Caroline McCarthy, The Luncheon, 2002, Photograph of wet toilet paper sculpture (Sculpture: toilet paper of varying colour, water, black bin - bags, real stalks, fake flies, disposable tableware), Unframed: 196 x 114 cm, Collection Irish Museum of Modern Art, Donated by A.I.B., 2002

Caroline McCarthy, The Luncheon, 2002, Photograph of wet toilet paper sculpture (Sculpture: toilet paper of varying colour, water, black bin - bags, real stalks, fake flies, disposable tableware), 196 x 114 cm, Collection Irish Museum of Modern Art, Donated by A.I.B., 2002

Rechargeable batteries are cheaper than disposables, and they can be used again and again - and using real crockery and cutlery for your parties instead of disposable ones can make a real difference.

Deeply isolated in their own tiny academic bubble only talking to like minded individuals also inside of that bubble where the real word rarely intrudes, I doubt that very many of these scientists realise just how stupid and even imbecilic and disposable they are starting to appear to the ordinary citizen on the street particularly when they try to sell a bill of goods like those adjusted and etc and etc temperatures from a half dozen or more decades past as the real temperatures of the times and then change those same temperatures or remove then the next day or week or whatever and then change then yet again and again.

Working with VT DPS, and using the REMI model, Synapse then modeled the economic impacts (in terms of jobs, real disposable income, and GSP) of these cost changes, and of the associated investments.

A less efficient diversity case reduces real disposable income per household by about $ 845 (2016 dollars) annually, equal to 0.76 % of the 2016 average household disposable income.»

Mike Greeff, CEO of Greeff Christies International Real Estate, is also optimistic on the effect on the market: «Any type of easing in interest rates will encourage individuals to get involved in the property sector, as well as bring relief for current bond holders in that it will have two possible effects: it could either create additional disposable income in their budgets, or it will allow for a higher than required bond repayment which can in essence take years off your bond.»

the disposable grunts... the cannon - fodder, if you will, of the real estate wars.

Real disposable income has been flat and that needs to change for a higher pace of economic activity to occur.»

«If a recession occurs and disposable income drops, that will of course hurt everybody,» he notes, adding that other real estate asset classes will suffer more in a recession than retail.

Tags: auto loans, consumer credit, disposable personal income, federal reserve bank of new york, finance, Household Debt Service Ratio, housing, housing finance, mortgage debt, owners» equity, real estate, student loans

«The rise in housing prices and the increase in household investment in houses and consumer durables do not appear out of line with what might be expected in the current environment of low interest rates and continuing growth in real disposable incomes,» Kohn averred.

Incomes, meanwhile, have not kept pace: Real disposable personal income in the U.S. has increased only about 5.5 % over the past two years, according to data from the Federal Reserve Bank of St. Louis using inflation - adjusted numbers.