Sentences with phrase «significant debt a year»

Not exact matches

Over the past year, the number of CLOs, which are also significant investors in energy companies, holding defaulted debt has skyrocketed.

Payday lending is just one facet of the FCA's concerns however, with the regulator also looking into credit card debt and car financing, both areas that have seen significant growth in recent years.

A significant proportion of households still carry little or no debt, and in the years ahead might choose to borrow more.

Over the past five years, the more worrisome government - issued debt in Europe has made significant progress in managing the normal mechanism of higher - perceived risk equaling higher yields.

According to Bloomberg data, EM debt is offering yields of above 4 %, and despite a strong year - to - date performance (more than 13 %), we see potential for significant income with lowered spread risk, given the diminished expectations of a near - term Fed move.

It's important to point out that successful management of the debt crisis in Europe and the avoidance of significant tax increases next year in the U.S. are important assumptions in our forecast.

While lower global interest rates have helped contain debt - servicing costs, the past year or so has seen a significant increase in net dividend payments.

Over the past year, the strong pace of debt accumulation has outstripped the growth in the household sector's assets, despite further significant gains in housing wealth (Table 9).

And because of the largest stock of debt, it could take «several years» to have a significant impact on overall vulnerability.

The government continues to predict balanced budgets over the three - year term, though there is a significant change in the debt profile of B.C., notably our taxpayer - supported debt, which is scheduled to increase more than 17 % over the next three years.

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.

«For most people in the world,» writes Debt: The First 5000 Years author David Graeber, «the most significant life expenses were weddings and funerals.»

The debt retirement will be structured to be combined with the District's current debt, a significant portion of which will be retired in the next few years.

Today we read in the press that the true problems in Spain are the uncontrolled spending of its «autonomous regions» like Valencia or Catalonia, unsustainable levels of private debt, which could impose significant pressure toward deleveraging over the coming years, and the structural lack of competitiveness of an economy that lacks the ability to devaluate its own currency.

«Secondly», she said, «most of our debt matures between two years, and that means that the actual amount of interest we are paying is significant.

Liu pointed to the European debt crisis as «the single most significant risk to the city's economy this year,» and said that even a mild European recession would be bruising, since European banks have more than a trillion in assets in New York City offices and employ approximately 45,000 people here.

Out of an annual income in the range # 27m - # 30m, the affiliation fees constitute about 27 % of income — a very significant proportion, but even if they fell sharply in a year, the party could still meet its minimum annual debt repayment and servicing costs.

In 2002, the NIH put in place a series of competitive loan repayment programs (LRPs) offering at least 2 years of tax - free debt relief (up to $ 35 000 per year) for young scientists with significant debt and a serious commitment to clinically oriented research training.19, 20

Whether you've been seeing your significant other for just a couple of weeks or you've been married for years, try these 7 winter date ideas that are sure to warm you both up without putting you into even more credit card debt.

In particular, Smith says she has one big goal: for every student — but particularly low - income, minority, and first - generation college students — to have adequate preparation in high school for college, and for them all to have the opportunity to go to four - year colleges without incurring significant debt, if that is what they desire.

• Funding: We are now in the second year of graduates completing three year degree programmes having accumulated annual tuition fee debts of # 9,000, as well as significant maintenance loans.

This process begins with the highlighting of places, whether in the US or abroad, where teaching is seen as an attractive profession including sensitive and profession - appropriate measures of which candidates are promising; excellent training given over a number of years, without candidates having to acquire significant debt; placement of apprentice teachers in settings where they can be expertly inducted into the profession; expert and appealing professional development where teachers feel that they are continuing to acquire new and needed skills; and career paths that are multi-faceted and rewarding.

«We have had significant challenges as a business even five years ago and there are debts from the past 30 or 40 years that need to be overcome, but if cars like the new CX - 5 are successful then a production version of the RX - Vision could be a possibility.

We have always been «careful», saved hard, put our kids through school and college debt free, cleared our mortgage early etc... However, over the last couple of years we have shifted a significant amount of money to our kids.

Bankruptcy carries some significant long - term penalties because it will remain on your credit report for 7 - 10 years, but there is a great mental and emotional lift when you're given a fresh start and all your debts are eliminated.

If we stick with 50 % are then there is this bit, «While this adoption is significant, still, roughly half of the firms responding to the surveys each of the past two years indicated that they still did not work with debt settlement companies as part of their collection strategy.»

«While this adoption is significant, still, roughly half of the firms responding to the surveys each of the past two years indicated that they still did not work with debt settlement companies as part of their collection strategy.»

To improve your chances of being approved, we recommend borrowers have credit scores of 680 or higher, significant retirement or other savings, a low debt - to - income ratio, a variety of credit or loan accounts and several years of credit history.

A: Refinancing for extra cash for debt consolidation may be worthwhile if you have sufficient home equity, are not planning to move for several years, and can realize significant savings between the APRs on credit card debt and current mortgage rates.

Encore further commented, «In listening to our consumers, we found that a significant challenge with current practices that maintain negative tradelines for seven years, even after a debt has long been paid or resolved, is that many consumers feel their only alternative for nearer - term resolution is to dispute the debt in question.

Companies that have significant amounts of debt are hurt by higher interest rates, which force the company to spend more money each year to repay their debt.

Your credit score may take a significant hit, but since you can't file for bankruptcy again for years, creditors know you can't use bankruptcy to erase your debts.

Let's say I'm meeting with somebody relatively late in a particular calendar year and taxes are at least a significant part of the issue and furthermore they're expecting to have more tax debts that are part of that calendar year.

Rising health care expenses and the cost of living, combined with a reduction in retirement income, have made the golden years much more challenging and caused seniors to accumulate significant debt.

I am in the last year of finishing up my Educational Doctorate and have of course accumulated some significant debt.

Over the past five years, the more worrisome government - issued debt in Europe has made significant progress in managing the normal mechanism of higher - perceived risk equaling higher yields.

To improve your chances of getting approved, we recommend borrowers have excellent credit, a debt - to - income ratio under 36 %, significant savings and at least two to three years of credit history.

Chatham won't have to consider refinancing any significant portion of its debt for 4 - 5 years.

I have no debts and no significant assets outside of these accounts, especially since my hot tub broke last year (a sad day for a lover of warm climes living in New England!)

There are no significant debt maturities for about five years, either.

As you can read, whether you choose not to pay the debt or you declare bankruptcy, it will have a significant impact on your credit for many years.

Many consumers have found themselves up against significant amounts of debt spread across a handful of creditors over the last few years.

Melissa Batai presents How We Plan to Tackle Our Debt posted at Mom's Plans, saying, «We would like to have a significant chunk to put down on a house in a few years, and I don't want to purchase a house if we have other dDebt posted at Mom's Plans, saying, «We would like to have a significant chunk to put down on a house in a few years, and I don't want to purchase a house if we have other debtdebt.

SRE does have significant debt maturing in the next year, but its latest Net LTV of 61.3 % equals the peer average & doesn't appear to present any real re-financing (or other) threat to shareholders.

Freedom Debt Relief has enrolled over 500,000 clients over 15 years, and we have negotiated significant savings for them.

Help with money management and budgeting skills Assistance with financial planning Reduction or elimination of existing debt in only three to five years Waiver or reduction of the interest rate Removal of finance charges A halt to harassing calls from lenders and collection agencies Lower monthly payments Debt management counselors provide credit help to consumers by enabling them to 1) improve their credit score, 2) start on a clean slate, 3) avoid bankruptcy, and 4) save a significant sum in credit card interdebt in only three to five years Waiver or reduction of the interest rate Removal of finance charges A halt to harassing calls from lenders and collection agencies Lower monthly payments Debt management counselors provide credit help to consumers by enabling them to 1) improve their credit score, 2) start on a clean slate, 3) avoid bankruptcy, and 4) save a significant sum in credit card interDebt management counselors provide credit help to consumers by enabling them to 1) improve their credit score, 2) start on a clean slate, 3) avoid bankruptcy, and 4) save a significant sum in credit card interest.

IT being your writing and your debt paying, I'll bet you look up in a year and a significant portion of it will be paid in full!

While it's true that we carry significant mortgage debt (it increased 5.9 % last year), my biggest concern is that consumer debt increased roughly 3.4 % from a year earlier.

However, the bank's statement offset the positives by pointing to potential threats: weakening oil prices that drive down inflation and the significant risks of high household debt accumulated during years of low borrowing rates.

Even more concerning is the fact that 92 % of Hercules long - term debt is due within less than four years (July 2013) and the company is currently burning a significant amount of cash.