When your credit won't allow you to get a loan, or you don't have enough coming in to
service your existing debt, you do have another option.
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.
Remember that in terms of «debt productivity» each additional dollar of debt has less and less impact on GDP growth as a larger percentage of the new debt has to be used to
service the existing debt.
Not exact matches
Yet this does not (always) require taking out another loan to pay
existing debts such as those seen in other
debt consolidation
services.
Michael's post seems to have three suppositions: Chinese companies price capital incorrectly; Chinese companies invest in value destroying projects; There is no correcting accounting mechanism in China for these projects as
exist in other countries, thusly Chinese GDP inflates «real» growth and
debt servicing ability.
Debt Service Coverage Ratio = Net Profit plus Depreciation plus Amortization plus Interest Expense divided by Current Portion of
Existing plus Proposed
Debt.
But insofar as any «
debt»
exists in a government and religious agency relationship, it's the government that owes the
service provider, not the other way around.
«Our revenues and expenditures can be made equal, but revenues can not
service the
existing [Fuller Road Management Corporation, the school's nonprofit real - estate arm] building
debt.»
Instead of using government money to
service existing bad
debt, the Post Bank would provide stable finance where it is needed most, in the heart of our local economies.
The law allows districts to deduct
existing debt -
service payments from the funds they must share, but many Florida districts net millions of dollars in annual capital revenue even after making
debt payments — money they will now have to distribute proportionally based on enrollments.
Eligible Purchases means the amount of purchases of goods and
services that are charged to your HSBC Advance Mastercard ® account except for quasi-cash transactions (which include purchases of wire transfers, travelers cheques, foreign currency, money orders, payment of an
existing debt, bets, lottery tickets and gaming chips) less any credits for returns, rebates or adjustments.
Deployment — Deployed members of the military are protected from a pileup of interest and fees on
existing debts through the Soldiers» and Sailors» Civil Relief Act (SSCRA, also known as the
Service - Members» Civil Relief Act or SCRA).
The acquisition was funded using a combination of
existing cash, assumption of
existing G&K
Services debt, and new
debt.
Navient took most of the
existing portfolio of student loans and the student loan
servicing and
debt collection platforms.
This free
service is designed to help individuals work through
existing debt problems and to prevent personal financial problems in the future.
If it's possible to borrow more cheaply elsewhere to replace
existing borrowing, then this can provide a huge boost, as lower interest rates mean more of your cash goes towards repaying the actual
debt rather than just
servicing the interest.
As far as the government is concerned, there is also the problem of demand for the (
existing)
debt at such low yields and that more new
debt can't be issued at higher yields without increasing the cost of
servicing that
debt.
Remember, plenty of unscrupulous financial
services operators
exist, especially on the Internet, and putting in the effort to search through
debt consolidation companies is the only way to avoid falling victim to them.
While true credit counseling
services do
exist, it has also turned into something as a catch - all term to describe companies that claim to offer consumers some form of
debt relief.
Next we have our Take Out Loan
debt service of $ 0 because the take out loan doesn't
exist in year 1.
2Eligible purchases means the amount of purchases of goods and
services that are charged to your Account except for quasi-cash transactions (which include purchases of wire transfers, travelers cheques, foreign currency, money orders, payment of an
existing debt, bets, lottery tickets and gaming chips) less any credits for returns, rebates or adjustments.
The statute governing the CSRDF gives Treasury authority to redeem
existing Treasury securities held by the CSRDF in an amount up to the amount of civil
service benefit payments authorized to be made from the CSRDF during the
debt issuance suspension period.
Yet this does not (always) require taking out another loan to pay
existing debts such as those seen in other
debt consolidation
services.
Seek Out Free Advice Commercial
debt management companies offer several paid
services to consumers, which can include everything from consolidation loans to
debt counseling and the management of
existing liabilities.
Given the evolving history of
debt relief
services however, it should be noted that these same concerns
exist throughout all forms of
debt relief, and will be present for those to come.
While there are some merits to its purpose, it is a paid
service that does not significantly reduce the level of your
existing debt.
So considering the tax benefits associated with them, home loans should be paid off after
servicing all the other
existing debts.
Once you are approved for the best balance transfer cards, call customer
service of the balance transfer credit cards.Customer
service will help you with the process, which involves paying off your
existing credit card
debt with your new balance transfer credit card.
An important part of their customer
service is to educate you, not just on how to pay off the
existing debt, but also to understand the root cause of your
debt and how to avoid that in the future.
A training or qualification provider may only make reference to a learning course / pathway or qualification that has achieved accreditation against the Money Advice
Service Quality Framework only as part of course / qualification materials targeted at
existing debt advisers,
debt organisations and other organisations who are licensed to provide
debt advice e.g. a housing association or local government department.
In addition to improving the definition of what an HVCRE loan is, it excludes from the definition the acquisition or refinancing of an
existing income property secured by a mortgage so long as the cash flow generated is sufficient to pay expenses and
debt service.
It will benefit from annual
debt service savings of $ 117,556 without extending the term of its
existing loan.
Most REITs have taken advantage of favorable bond - market conditions in order to refinance
existing debt, lowering their
debt -
service obligations.