Sentences with phrase «on excessive debts»

Between 2008 and 2012, the federal government implemented a handful of ad - hoc policies meant to deter poorer households from taking on excessive debt, including the reduction of the maximum amortization period for government - backed home loans to 25 years from 40 years.

And that is a nominal rate; if, for example, a government were to take on excessive debt and inflate itself to regain solvency, real rates of return could easily be negative for equity holders.

To date, we do not see a systemic threat from leveraged lending, since broad measures of credit outstanding do not suggest that nonfinancial borrowers, in the aggregate, are taking on excessive debt and the improved capital and liquidity positions at lending institutions should ensure resilience against potential losses due to their exposures.

When you take on excessive debt, you become a slave to your creditor.

Some critics say these mortgages are dangerous because homeowners may be piling on excessive debt — in this example, with the minimum 5 % down payment, the mortgage principal would be $ 418,000 on a home currently worth less than that.

Assures that the company does not take on excessive debt affecting the quality of the original loan.

Policy makers are studying pre-emptive ways to discourage consumers from taking on excessive debt loads, similar to the changes to mortgage lending rules ushered in earlier this year.

Of course, the usual temptation here is to rely primarily on quantitative analysis — let the numbers do the talking — focusing on the consistency & sustainability of strong free cash flow (as a % of net income), high net margins, high return on equity (though not dependent on excessive debt), and good return on assets (in excess of WACC).

Not exact matches

Independent Street takes a look at a story from the Richmond - Times Dispatch that claims that the values immigrants learned about «being thrifty, avoiding excessive debt, and relying on family support from native countries» are helping them ride out the recession.

In turn, the promoters hope that we may reflect on how «rampant consumerism» has impacted the environment and fuelled excessive levels of debt.

Flaherty supports the proposal, arguing in an April letter to his G20 counterparts that embedded contingent capital would «force the costs of excessive risk - taking to be removed from taxpayers and placed on to the right people — shareholders and subordinated debt holders — thus improving market discipline.»

If Chinese investment is on the whole productive, and the value of assets is growing as fast as the value of debt, then we can assume that current growth rates are not driven mainly by excessive debt and that Chinese growth is sustainable without the need to bring down investment growth.

«It has been our experience that excessive debt (almost always taken on during periods of optimism) is the single most common cause of permanent capital loss for investors» Zeke Ashton

WASHINGTON — The International Monetary Fund today sounded the alarm on excessive global borrowing, warning that with a total of $ 164 trillion owed, the world's public and private sectors are deeper in debt than at the height of the financial crisis a decade ago.

The Financial Repression Authority (FRA) educates investors, funds and retirees on the adverse risks resulting from good - intentioned macroprudential central bank and government policies and regulations focused on controlling excessive government debt, attempting to stimulate economic growth, and minimizing the potential for financial and economic crises.

China's debt - to - GDP ratio of 282 % (according to McKinsey) is likely the most glaring example of a very large economy taking on excessive leverage to sustain growth.

Yes, some rates and fees can seem excessive, and yes, aggressive marketing tactics can make it all too easy for people to get hooked on debt.

These are alternatives to bankruptcy, and the choice depends on whether you have delinquent or excessive debts and other factors.

We can debate the potential causes of this imbalance — aging demographics, falling population growth, stagnation in innovation, zero - sum substitution of technology for labor, globalization, rising wealth inequality, excessive debt accumulation, and so on.

This is what we found out: The major reasons why firms cut their dividend had to do with preserving cash amid a secular or cyclical downturn in demand for their products / services or when faced with excessive leverage (how much debt they held on their respective balance sheets) during tightening credit markets.

We had — family come from as far as Edinburgh and Devon, 2 Christmas dinners to accommodate said family, 2 present opening sessions, some good long walks to work off excessive food, cousins all catching up with each other, a bit too much to eat and drink, relaxing afternoons when we could do nothing because it was raining and anyway it was getting dark soon so we might as well call it a day, and a mammoth monopoly game, which carried on so far that someone had bought jail, chance and community chest, and someone else had «banker» debt status, which meant he could borrow as much as he wanted.

Yes, they have blamed Labour for excessive levels of debt and the poor state of the economy, but they have blamed Labour for «waste» and unnecessary spending rather than for high levels of spending on public services (which they support).

While the Fair Debt Collection Practices Act of 1977 prevents debt collectors from harassing the debtor with excessive telephone calls, calling in the middle of the night or threatening the debtor, these phone calls typically do not stop until some resolution is made on the dDebt Collection Practices Act of 1977 prevents debt collectors from harassing the debtor with excessive telephone calls, calling in the middle of the night or threatening the debtor, these phone calls typically do not stop until some resolution is made on the ddebt collectors from harassing the debtor with excessive telephone calls, calling in the middle of the night or threatening the debtor, these phone calls typically do not stop until some resolution is made on the debtdebt.

A very few proactive consumers will already be on budgets but for everyone else it will take excessive debt, sleepless nights and failed marriages before they consider using a budget.

The restriction on the amount you can borrow at any given time prevents you from excessive debt.

Boosting the minimum down payment could help offset the effects of rock - bottom interest rates, which have encouraged borrowers to take on excessive mortgage debt, he added.

Especially on your credit card, you should take extreme care to not get into excessive debt.

However you have to be able to not take on an excessive amount of debt in order to afford a home.

Avoid excessive inquiries - A large number of inquiries occurred over a short period of time may be interpreted as a sign that you are opening numerous credit accounts due to financial difficulties or overextending yourself by taking on more debt that you can or can not easily repay.

These homeowners took on an excessive amount of debt in order to purchase their homes.

Other steps which will start to have an immediate positive impact on your credit score is paying down excessive debt in making payments on time and for the correct amount.

Doing so can save you money in the long run by avoiding excessive interest rates on these types of debts.

We spend our thoughts worrying about excessive amounts of debt instead of focusing on the one true thing we really want — financial freedom -LRB-

The gainful employment rule is a regulation designed to prevent students from taking on excessive student loan debt at programs that are not likely to lead to success.

Paying bills on time, paying off balances, and avoiding excessive inquiries into your credit report can all help to improve your score, while delinquent payments, revolving debt rather than paying it off, and owning too many credit cards can hurt it.

As such, it is very important to have good credit, which results from paying your bills on time and staying out of excessive debt.

This could increase the likelihood you'll reach your goal and avoid excessive debt on other fronts.

Don't let yourself wallow in self - pity or go on a deep (and counter-productive) guilt trip about your excessive debt problem.

If she becomes President, she plans on spending $ 359 billion dollars to solve the problem of excessive student loan debt that is hurting the nation.

But if you have excessive amounts of debt then you are going to need to take a little more action to reduce the impact this will have on your life, your credit rating and your future.

Carrying excessive consumer debt is not only a burden in the figurative sense, it weighs on many aspects of daily living.

Despite not being selected to serve on the committee, my firm and I will continue to do our part to educate Canadians on the problems that are caused by excessive debt.

On today's show, Benny Mendlowitz explained that there are costs to filing bankruptcy, but there is also a significant benefit, and that's the reduction in stress caused by excessive debt.

If a share's genuinely «bad» — say, in terms of excessive debt, poor margins, low return on equity, erratic P&L record, etc. — then logically, those sub-par financial metrics will automatically get incorporated into your stock valuation anyway (in suitably quantitative fashion).

Moreover, at the FTC's 2008 workshop entitled «Consumer Protection and the Debt Settlement Industry,» representatives of the American Bankers Association and American Express reported that consumers are paying debt settlement companies excessive fees unnecessarily, since most consumers can settle their debts on their own by contacting their credit card issuers direcDebt Settlement Industry,» representatives of the American Bankers Association and American Express reported that consumers are paying debt settlement companies excessive fees unnecessarily, since most consumers can settle their debts on their own by contacting their credit card issuers direcdebt settlement companies excessive fees unnecessarily, since most consumers can settle their debts on their own by contacting their credit card issuers directly.

If someone has excessive debt, he or she is less likely to make rent payments on time.

This means a good return on total assets employed, as opposed to a high return on equity through the use of excessive debt.

And you'd be surprised, when people are relieved of the psychological load of excessive consumer debt and the demand to keep up, they will (IMHO) look more carefully at resource consumption on a larger scale.

This final portion of the funding is exactly what was needed to ensure a quicker payback and better rate of return without putting an excessive burden of debt on the rest of the farm.»

This is because the proceeds from a life insurance policy can help to ensure that those you love and care about will be able to go on with their daily living expenses or without the worry of unpaid — and sometimes excessive — debt.