So we shouldn't look
only at debt — we should look at net debt.
Do not limit your options by looking
only at debt consolidation loans from direct lenders, or without collateral or a guarantor.
Not exact matches
• Credit card delinquency rates remain low,
at only 0.87 per cent of total outstanding balances as of April 2016, while credit card
debt only makes up five per cent of total household
debt in Canada.
Toys «R» Us was optimistic
at the start of its bankruptcy proceedings that it would
only close a limited number of locations, but is now reportedly planning a liquidation of its U.S. operations after failing to find a buyer or reach a
debt restructuring deal with lenders.
«Not
only will this tax plan pay for itself, but it will pay down
debt,» Mnuchin said
at a conference in Washington on September 28.
Household
debt is
at record levels, while average wages are growing
only fast enough to keep up with inflation.
Under the new rules, companies are allowed to charge substantial fees
only after
at least one agreement with a creditor to reduce a
debt has been reached.
Net
debt as a share of GDP is low (
only Saskatchewan and Alberta's are lower), and B.C. has a shot
at balancing the budget in 2013 - 14 — along with Saskatchewan, Quebec, and Nova Scotia.
A new Poets & Quants study shows that MBAs are leaving campus with six - figure
debt loads from
at least 13 prominent business schools, up from
only two schools in 2011.
With the rate of home ownership now close to 70 %, and with household
debt at a record high, much of the financial health of Canadian households is inextricably linked to home values, making it the kind of dominant concern that not
only affects household finances, but consumer psychology and confidence.
So, not
only have we issued a lot more
debt, we're doing so
at much less standards.»
And it mollifies us: the
debts outstanding of those two REITs - $ 8 billion in total - account for
only «4 % of the aggregate
debt outstanding
at the end of Q1 2017 for all US REITs that we rate.»
Actor Kate Walsh («Grey's Anatomy») told Refinery 29 she
only paid off her «thousands and thousands and thousands of dollars» of
debt at age 37.
So
at age 45 I find I am worth about $ 500k and my
only debt is a 4.25 % mortgage that I already have about 50 % equity in a $ 308k house.
And that perception was fueled on Thursday when the German finance minister, Wolfgang Schäuble, suggested that Greece would get its best shot
at a substantial cut in its
debt only if it was willing to give up membership in the European common currency.
The company's equity is
only worth about $ 20B
at present, and without the
debt market, it's unclear how Petrobras can fund any sort of significant expansion in the future.
They do this first by depicting finance and rent - seeking privilege as part of the economy's real wealth - creating process rather than as an extractive sector, and second, by, pretending that the financial problem is
only a temporary liquidity problem, not a structural problem
debt of
debts that can't be paid — unless the government makes up the gap
at the non-financial sector's expense.
Compared to many other companies in the mining space, royalty companies have tended to be better allocators of capital, taking on very little
debt and deploying cash reserves
only at the most opportune times.
SoFi is one of the leading new financial technology companies based in Silicon Valley that not
only reviews your credit score and income /
debt ratios, but also looks
at the quality of your education and quality of your work institution.
Graduates with student loan
debt aren't the
only ones who can benefit by refinancing their loans
at a lower interest rate — parents can save thousands by refinancing the student loans they take out to help their kids pay for college, NBC Nightly News with Lester Holt reports.
With the S&P 500 within about 8 % of its highest level in history, with historically reliable valuation measures
at obscene levels, implying near - zero 10 - 12 year S&P 500 nominal total returns; with an extended period of extreme overvalued, overbought, overbullish conditions replaced by deterioration in market internals that signal a clear shift toward risk - aversion among investors; with credit spreads on low - grade
debt blowing out to multi-year highs; and with leading economic measures deteriorating rapidly, we continue to classify market conditions within the most hostile return / risk profile we identify — a classification that has been observed in
only about 9 % of history.
Though the weighted - average maturity of Treasury
debt is currently longer than normal, the average is still
only 5.8 years, and half of the
debt will have to be rolled over by 2019,
at whatever interest rates emerge in the interim.
The frustration is not
only at the financial overhead, the
debt overhead; it's
at the political fact that there is no choice.
The beneficiaries of falling interest rates have been mainly the bondholders, not new borrowers, because
only a fraction of existing
debt represents new
debt at the recently falling rates — which now are rising once again.
However, it's
only risky on assets you have no control over or when you over leverage without looking
at the cash flow closely after
debt service.
Only use your card if you are confident you can pay off the
debt at the end of the month.
The house payment was the
only debt we had
at the time.
If you did convertible
debt at a large discount (say 30 %) and it was done
only 2 months before you're talking to a VC they will probably grumble about the discount that the previous investor is getting.
Various quantitative - easing options focused on government bonds were shown to governors on Jan. 7 in Frankfurt, including buying
only AAA - rated
debt or bonds rated
at least BBB minus, the euro - area central bank official said.
Progress in corporate restructuring has proved harder: changes have been made to bankruptcy legislation, but corporate
debt restructuring is proceeding
only at a slow pace.
Taking into consideration the fact that there is just two other circumstances when the
debt / GDP NYSE margin had increased by about 30 basis points or more in a period of
only three months — that happened when the ration had reached its two major secular bull market highs — the likelihood is highly probable that the NYSE margin
debt / US GDP, is once more
at its peak of all time high of 2.87 %!
Because the homeowners
only owes the original amount to the bank, the «extra» amount is paid as cash
at closing, or, in the case of a
debt consolidation refinance, directed to creditors such as credit card companies and student loan administrators.
The YC documents are probably fine in situations where the investor (i) wishes to purchase equity rather than convertible
debt, (ii) is otherwise somewhat indifferent on terms other than percentage ownership of the company, liquidation preference and right of first offer in future financings, (iii) is investing
at a fairly low valuation (i.e. a couple of million dollars), and (iv) is
only investing a small amount (i.e. a couple hundred thousand dollars or less).
Already
at the time of the American Revolution, financial economists were popularizing the contrast that Malthus soon would imitate in his population theory:
Debts grow
at «geometric» rates, while the economy itself grows
only «arithmetically,» in a slower and more linear way.
No economy can grow
at steady exponential rates;
only debts can multiply in this way.
When writing Economorphics, I was stunned
at how easy it was to find data showing that not
only had many boomers not saved enough, they also had a ton of
debt following them into their golden years.
At its peak, Teck had more than $ 7 billion in
debt outstanding, which caused its leverage ratio to rise, resulting in the company not
only losing its investment - grade credit rating but getting downgraded deep into junk territory.
I think we can be confident that our system of bank supervision is
at world best practice, and the ratio of bad
debts to total loans,
at 0.9 per cent, is
at its lowest level since statistics have been collected (admittedly, the collection
only dates back to 1991).
Energy and Capital editor Christian DeHaemer yells
at the government, discusses how student
debt is getting out of hand and talks about how the government
only growing and never shrinking could be a way for investors to profit from their negligence.
And so in terms of financial repression, perhaps the one key sector that we need to look
at is student loan
debt because so many millennials are carrying student loan
debt, and you know a small student loan
debt is like $ 25,000 - $ 30,000 if someone can escape with a bachelor's diploma and
only have $ 30,000 in
debt they're considered to have done quite well, but when you think about it that's a pretty large
debt for somebody who doesn't even have a full - time job yet.
Debt consolidation generally
only is effective
at improving your financial situation if you take steps to improve money management and to pay down your
debts.
Not
only is there potential for interest rates on these
debts to rise, but it's often likely to happen
at the worst possible time — such as when the economy is heading into a recession.
That isn't to say that
debt is good
at all times, but
only that certain
debt, under certain terms, and
at certain times is better to have than not.
However, if you are a single doctor making $ 300,000 per year, did not have to address a meaningful
debt burden, and
only have $ 100,000 in investments
at the age of forty, you have done something very wrong (most likely, you either lived
at your means or traded stocks instead of thinking like an owner that made long - term investments) even if you have that same $ 100,000 in paper wealth because you had the skill set and personal opportunity costs to do so much more with your hand in life.
If he were to pay
only the minimum on his credit cards, which are charging 9 percent and 10 percent interest rates, he would pay $ 5,500 in interest and it would be
at least 12 years before he was
debt free.
Additionally, borrowers that could qualify as an AA rating
at Prosper may
only be rated a C or D
at Lending Club because Lending Club's rating formula takes into account factors such as
debt - to - income ratio and loan size.
About the
only reason I know that women like to put on lavish weddings, is to get the man
at least two years into
debt so as to make it less likely that he will leave her if he changes his mind.
But look
at what she and her supporters had to go through: threats; intimidation; ridicule; loss of friends;
debt; years or months of sleeplessness, stress and anxiety; self - doubt; fear; demands for proof of medical records, police reports, emails, and court documents; then finally being believed not because you are a person but
only because you produce authoritative authentication.
As author Penny Lernoux has noted: «When the Alliance for Progress was finally buried
at the end of the 1960s, about the
only thing that the Latin American countries had to show for it was an enormous foreign
debt: 19.3 billion dollars compared to 8.8 billion in 1961 when the program was launched» (Cry of the People [Doubleday], p. 211).
This perspective unmistakably reveals the unwholesomeness, not to put it more strongly, of our way of life: our obsession with sex, violence, and the pornography of «making it;» our addictive dependence on drugs, «entertainment,» and the evening news; our impatience with anything that limits our sovereign freedom of choice, especially with the constraints of marital and familial ties; our preference for «nonbinding commitments;» our third - rate educational system; our third - rate morality; our refusal to draw a distinction between right and wrong, lest we «impose» their morality on us; our reluctance to judge or be judged; our indifference to the needs of future generations, as evidence by our willingness to saddle them with a huge national
debt, an overgrown arsenal of destruction, and a deteriorating environment; our unsated assumption, which underlies so much of the propaganda for unlimited abortion, that
only those children born for success ought to be allowed to be born
at all.