Sentences with phrase «significant decrease in income»

Through FHA's «Back To Work — Extenuating Circumstances Program,» borrowers who have gone through bankruptcy, foreclosure, deed - in - lieu, or short sale, may be eligible for an FHA - backed mortgage sooner if they can prove their financial hardship was the result of an economic event, such as job loss or a significant decrease in income.

Neither forbearance nor deferment count as default on a student loan which is incredibly beneficial for borrowers who may experience unexpected unemployment or a significant decrease in income for a period of time.

Not exact matches

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.

In July 2010, only 15 children received Summer Nutrition for every 100 low - income students who received lunch on an average day in the 2009 - 2010 school year, a significant decrease from 2009's ratio of 16:10In July 2010, only 15 children received Summer Nutrition for every 100 low - income students who received lunch on an average day in the 2009 - 2010 school year, a significant decrease from 2009's ratio of 16:10in the 2009 - 2010 school year, a significant decrease from 2009's ratio of 16:100.

Our findings suggest that full - time and part - time U.S. authors have experienced a significant decrease in writing income over the last five years.

Prepare to explain any significant year - over-year decrease in income when you apply for a mortgage as a self - employed borrower.

By adding $ 4,497.40 in new working capital to my investment portfolios, minus a significant real estate income adjustment, my forward 12 - month investment income (F12MII) decreased to $ 5,850.14, or $ 489.62 per month.

Any significant decline in our investment income as a result of falling interest rates, decreased dividend payment rates or general market conditions would have an adverse effect on our net income and, as a result, on our stockholders» equity and our policyholders» surplus.

This significant increase was mainly due to the improvements of operating results in the Semiconductors and Imaging Products & Solutions («IP&S») segments, partially offset by a decrease in operating income in the Game & Network Services («G&NS») segment.

In Wisconsin, either parent can ask the court to modify a child support order if there is a substantial change in the family's circumstances, such as a significant increase or decrease in the noncustodial parent's incomIn Wisconsin, either parent can ask the court to modify a child support order if there is a substantial change in the family's circumstances, such as a significant increase or decrease in the noncustodial parent's incomin the family's circumstances, such as a significant increase or decrease in the noncustodial parent's incomin the noncustodial parent's income.

Alimony may be modified if either spouse experiences a significant change in circumstances, such as a substantial increase or decrease in income.