Sentences with phrase «payment on a debt including»

(DTI compares your gross monthly income with your minimum payments on all debts including your housing expense.)

For use when demanding payment on a debt including initial and second requests for overdue payment and final demand for payment.

Not exact matches

Important factors that could cause actual results to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost of accommodating, announced increases in the build rates of certain aircraft; 6) the effect on aircraft demand and build rates of changing customer preferences for business aircraft, including the effect of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result of global economic uncertainty or otherwise; 8) the effect of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange rates; 9) the success and timely execution of key milestones such as the receipt of necessary regulatory approvals, including our ability to obtain in a timely fashion any required regulatory or other third party approvals for the consummation of our announced acquisition of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts of terrorism; 14) any adverse impact on the demand for air travel or our operations from the outbreak of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension plan assets and the impact of future discount rate changes on pension obligations; 17) our ability to borrow additional funds or refinance debt, including our ability to obtain the debt to finance the purchase price for our announced acquisition of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect of changes in tax law, such as the effect of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect of such changes; 21) any reduction in our credit ratings; 22) our dependence on our suppliers, as well as the cost and availability of raw materials and purchased components; 23) our ability to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate for our additional capital needs or for payment of interest on, and principal of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness of any interest rate hedging programs; 28) the effectiveness of our internal control over financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and other business disruptions for ourselves and Asco as a result of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks of doing business internationally, including fluctuations in foreign current exchange rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among other things.

Your debt - service coverage ratio, also known as the debt coverage ratio, is the ratio of cash a business has available for servicing its debt, which includes making payments on principal, interest and leases.

Additionally, debt can take on multiple structures including but not limited to senior secured, mortgage, unsecured, convertible, zero - coupon, payment - in - kind, revolvers, floating - rate, and structured products among countless others.

Put together a complete list of all debts including credit cards, student loans, car loans, alimony and child support payments, along with a breakdown of balances and the minimum monthly payments on each.

These debt payments include the PITI on your mortgage, child support, credit card minimum payments, and — yes — student loans.

This means that you should spend no more than 28 percent of your gross monthly income on total housing expenses, and no more than 36 percent on total debt service (including the new mortgage payment).

This includes how timely you pay your utility bills, the lease payments on your business location, as well as any small business debt you may have.

Your DTI includes the minimum payment on each debt listed on your credit report, other debts on your loan application, and the monthly payment for your new mortgage.

Specific debt - to - income requirements vary based on a range of criteria including loan - to - value ratio, assets used to qualify for the loan and credit history but typically a successful applicant will have a total debt - to - income ratio (including the proposed loan payment) below 43 % of monthly gross income.

Your debts also include minimum payments on your credit card balances, student loans, installment and other accounts.

According to the HUD handbook, the borrower's «total fixed payment» includes the monthly mortgage payment (with property taxes and home insurance), along with the monthly obligations on all other debts and liabilities.

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.

They include: Forty - three percent of those with federal student loans are not making payments; and one in six borrowers is in default on $ 56 billion in student debt.

IMPROVING DEBT AND LIABILITY MANAGEMENT • A maiden 15 - year domestic bond was issued to lengthen maturity profile of public debt; • The Domestic Debt re-profiling exercise which contributed to improving the debt mix and lowered domestic interest payments will be continued; and • The next phase of the liability management programme will include: o External debt re-profiling based on market conditiDEBT AND LIABILITY MANAGEMENT • A maiden 15 - year domestic bond was issued to lengthen maturity profile of public debt; • The Domestic Debt re-profiling exercise which contributed to improving the debt mix and lowered domestic interest payments will be continued; and • The next phase of the liability management programme will include: o External debt re-profiling based on market conditiDEBT AND LIABILITY MANAGEMENT • A maiden 15 - year domestic bond was issued to lengthen maturity profile of public debt; • The Domestic Debt re-profiling exercise which contributed to improving the debt mix and lowered domestic interest payments will be continued; and • The next phase of the liability management programme will include: o External debt re-profiling based on market conditidebt; • The Domestic Debt re-profiling exercise which contributed to improving the debt mix and lowered domestic interest payments will be continued; and • The next phase of the liability management programme will include: o External debt re-profiling based on market conditidebt; • The Domestic Debt re-profiling exercise which contributed to improving the debt mix and lowered domestic interest payments will be continued; and • The next phase of the liability management programme will include: o External debt re-profiling based on market conditiDebt re-profiling exercise which contributed to improving the debt mix and lowered domestic interest payments will be continued; and • The next phase of the liability management programme will include: o External debt re-profiling based on market conditiDebt re-profiling exercise which contributed to improving the debt mix and lowered domestic interest payments will be continued; and • The next phase of the liability management programme will include: o External debt re-profiling based on market conditidebt mix and lowered domestic interest payments will be continued; and • The next phase of the liability management programme will include: o External debt re-profiling based on market conditidebt mix and lowered domestic interest payments will be continued; and • The next phase of the liability management programme will include: o External debt re-profiling based on market conditidebt re-profiling based on market conditidebt re-profiling based on market conditions.

- Administering the New York State and Local Retirement System for public employees, with more than one million members, retirees and beneficiaries and more than 3,000 employers; - Acting as sole trustee of the $ 129 billion Common Retirement Fund, one of the largest institutional investors in the world; - Maintaining the State's accounting system and administering the State's $ 12.6 billion payroll; - Issuing reports on State finances; - Managing the State's assets and issuing debt; - Reviewing State contracts and payments before they are issued; - Conducting audits of State agencies and public benefit corporations; - Overseeing the fiscal affairs of local governments, including New York City; - Overseeing the Justice Court Fund and the Oil Spill Fund Acting as custodian of more than $ 9 billion in abandoned property and restoring unclaimed funds to their rightful owners;

(c) The term «loan guarantee» means any Federal government guarantee, insurance, or other pledge with respect to the payment of all or a part of the principal or interest on any debt obligation of a non-Federal borrower to a non-Federal lender, but does not include the insurance of deposits, shares, or other withdrawable accounts in financial institutions.

Spending on school operations — not including school construction or debt payments — ranges from less than $ 8,700 per student in a coal country district, one of the state's lowest - achieving, to more than $ 26,600 in a tony Philadelphia suburb.

Things you should look for include the costs, how they'll make payments on your debt, and the customer reviews.

It includes information about your payment histories on loans and debts.

Various reasons that prompt one to take a second mortgage include covering part of the down - payment on their first mortgage in order to evade the requirement of property mortgage insurance, financing home improvements, and consolidating debts.

Types of debt you might consider including in your consolidation loan payment include your mortgage, car payments, credit cards, student loans, and other debts that you pay high interest on or have a high balance left on the principle amount of the debt or loan.

On the other hand, minimum payments on credit card balance (s) are included as «Credit Card Payments» in the Debt section of the outflowOn the other hand, minimum payments on credit card balance (s) are included as «Credit Card Payments» in the Debt section of the opayments on credit card balance (s) are included as «Credit Card Payments» in the Debt section of the outflowon credit card balance (s) are included as «Credit Card Payments» in the Debt section of the oPayments» in the Debt section of the outflows.

The counseling information should include information about monthly payments based on the loan term and interest rates, total cost over the life of the loans, and salary ranges needed to repay the total education debt.

According to Equifax, your summary will include sections on «amount of debt, amount of new credit, payment history and length of credit history.»

When you refinance student loans, you're essentially repaying your old student loan debt by taking on a new loan with fresh terms — including a new loan length, interest rate and monthly payment.

As with the avalanche method, you'll need to make your minimum required payments for all of your debts, but you'll focus any extra funds — including your income tax refund — on the smallest debt first.

Benefits of SBA loans include lower down payments and longer repayment terms than conventional bank loans, enabling small businesses to keep their cash flow for operational expenses and spend less on debt repayment.

You and the creditor have to agree on the final terms that include monthly payment, fees involved and how long the payment schedule will run before the debt is eliminated.

Although the percentage of the overall score that each one of those variables accounts for varies from person to person based on a variety of reasons, including how long a person has had credit, 65 % of the score, on average, is made up by payment history and the amount of debt owed relative to credit limits, or credit utilization.

So, my advice is instead of trying to get as high a credit score as possible which may mean taking on more debt than you should, I think you should instead focus on what's right for you, which might include things like, you know, saving money so you've got a bigger down payment when you go to buy that house.

Different lenders can have different requirements, but, generally, things that can trigger a manual underwrite include a previous bankruptcy or foreclosure; default on federal debt; late mortgage payments; and more.

So, hiring a debt settlement service will only be possible if you owe several thousand dollars and your total costs, including your last payment to creditors, are lower than if you work with the creditor on your own.

While your credit report certainly does primarily track your payment history — including what type of debts you have, how much you owe, and whether or not you've paid your bills on time — a credit report also contains so much more than that.

Prompt payments on all your debts, including that were not discharged, can convince lenders.

But lenders will calculate a debt - to - income (DTI) ratio based on your gross monthly income and major debts, including your new projected mortgage payment.

Since secured loans, child support and alimony and some other debts can not be included in a bankruptcy, you will still need to make your regular payments on these obligations even if you declare bankruptcy.

Some of the advantages of choosing a consumer proposal in Milton include being able to avoid bankruptcy, reduce your monthly payments, get protection from your creditors, and settle any unsecured debts, most times for less than you owe on them.

... all payments made or property transferred by or on behalf of the debtor to any persons, including attorneys, for consultation concerning debt consolidation, relief under the bankruptcy law, or preparation of a petition in bankruptcy within one year immediately preceding the commencement of this case.

Lower the monthly payments and interest rates on debts, including secured debts such as car loans.

Debt consolidation, either on your own or through a nonprofit service, will normally entail renegotiating loan terms which can include waiving fees and penalties, lowering annual percentage rates and smaller monthly payments.

All outstanding debts on the credit history are included in this calculation along with the mortgage payment and property tax.

Amortization Loan payment divided into equal periodic payments calculated to pay off the debt at the end of a fixed period, including accrued interest on the outstanding balance.

This step by step student loan relief guide includes information on student loan debt repayment plans, loan forgiveness and student loan debt monthly payment reduction options.

the disclosure of certain enumerated events affecting a municipal security; these events include the following, if material: (1) principal and interest payment delinquencies; (2) non-payment related defaults; (3) unscheduled draws on debt service reserves; (4) unscheduled draws on credit enhancements; (5) substitution of credit or liquidity providers; (6) adverse tax events affecting the tax - exempt status of the security; (7) modifications to rights of securities holders; (8) bond calls; (9) defeasances; (10) release, substitution, or sale of property securing repayment; (11) rating changes; (12) failure to provide annual financial information as required; the MSRB, Electronic Municipal Market Access (a.k.a. EMMA) provides free access to municipal disclosures, market data and education

To find your debt - to - income ratio add up all monthly recurring debt that include mortgage and equity loan, car loans, student loans, minimum required payments on credit card debt and divide it by your monthly gross income.

This includes how timely you pay your utility bills, the lease payments on your business location, as well as any small business debt you may have.

Let's say you're paying $ 400 a month on your student loans, another $ 400 on credit card debt, $ 300 on a car loan and expect a mortgage payment, including taxes and insurance, of $ 700.

Your debt - to - income ratio compares the minimum monthly payment on all your current debt, including your mortgage, to your gross (before tax) monthly income.