Sentences with phrase «terms of debt service»

Not exact matches

But he points to a report from the Parliamentary Budget Officer released earlier this year showing that, since 2009, the debt service ratio — a measure of income spent to pay debt — has remained steady at around 14 per cent, not much higher than the long - term average.

The basic problem is that during each recession, governments increase their debt load to stimulate the economy and maintain (or even increase) services, but rarely cut back on their debt loads or services during the prosperous times — creating a long - term upward trend in indebtedness that Tony Boeckh of The Boeckh Investment Letter calls the «debt supercycle.»

These risks and uncertainties include competition and other economic conditions including fragmentation of the media landscape and competition from other media alternatives; changes in advertising demand, circulation levels and audience shares; the Company's ability to develop and grow its online businesses; the Company's reliance on revenue from printing and distributing third - party publications; changes in newsprint prices; macroeconomic trends and conditions; the Company's ability to adapt to technological changes; the Company's ability to realize benefits or synergies from acquisitions or divestitures or to operate its businesses effectively following acquisitions or divestitures; the Company's success in implementing expense mitigation efforts; the Company's reliance on third - party vendors for various services; adverse results from litigation, governmental investigations or tax - related proceedings or audits; the Company's ability to attract and retain employees; the Company's ability to satisfy pension and other postretirement employee benefit obligations; changes in accounting standards; the effect of labor strikes, lockouts and labor negotiations; regulatory and judicial rulings; the Company's indebtedness and ability to comply with debt covenants applicable to its debt facilities; the Company's ability to satisfy future capital and liquidity requirements; the Company's ability to access the credit and capital markets at the times and in the amounts needed and on acceptable terms; and other events beyond the Company's control that may result in unexpected adverse operating results.

Now let's look at the percentage of profits that may need to go to servicing debt and how much debt service could equal in terms of jobs.

I don't know, but it's raising the cost of debt servicing more than expected for lots of banks and businesses that borrow in the short - term debt market.

Earlier on April 18, 1MDB said it had fully repaid all of its bank and short - term debt and noted that it still had a cash surplus of 2.3 billion ringgit ($ 589 million) for debt service requirements and other means.

Ray focuses on financial services and commercial real estate, with a specialization in negotiated private placements of term asset - backed securities, warehouse credit facilities, whole loan transactions, subordinated debt financings, and other transactions for specialty finance companies and commercial real estate.

Of the three major ratings agencies, only Moody's Investors Service has indicated that Illinois lawmakers» lack of long - term solutions for reducing that debt is a severe probleOf the three major ratings agencies, only Moody's Investors Service has indicated that Illinois lawmakers» lack of long - term solutions for reducing that debt is a severe probleof long - term solutions for reducing that debt is a severe problem.

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.

The President further explained that in addition to the implementation of the approved external borrowing plan and in order to reduce debt service levels and lengthen the tenor profile of the debt stock, the Federal Government sought to substitute maturing domestic debts with less expensive long - term external debts.

Dr Eduardo Bernabe, lead author from the Dental Institute at King's College London, said: «Using dental services can cost households a large proportion of their available income and push many into poverty and long - term debt.

Here are the top 10 districts most affected by the sharing requirement, in terms of the percentage of capital dollars each would have to share after accounting for debt service:

You agree to defend, indemnify and hold harmless Global Educational Excellence and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Service, by you or any person using your account and password, or b) a breach of these Terms.

The two terms are often used interchangeably, which leads to a great deal of confusion on the part of consumers, who may not realize that these are vastly different debt relief services.

The student loan forgiveness program allows for as much as $ 10,000 to be taken from the total student debt for serving with the Army National Guard, though this sum can vary depending on the term and specific details of the service.

Structure an agreement for the consumer that, at the conclusion of the projected term for the consumer's participation in the debt management service agreement, would result in negative amortization of any of the consumer's obligations to creditors.

We provide: • Retirement Services, such as plan rollover options, ** traditional and Roth IRAs, and small business plans • Financial Management, including financial planning, asset and debt management, and estate planning • Insurance Solutions, made up of life, long - term care, and disability protection • Investments, including diversified solutions to help manage and grow assets with stocks, bonds, and mutual funds • Retirement Planning, such as income strategies, pensions, and social security

Thus the borrower does not have to service the debt during the term of the loan.

The type of services covered under the new rules are companies that promise to 1) work with a creditor to settle the debt for a lesser amount than is owed, (debt settlement companies) 2) work with all of a consumer's unsecured creditors to promulgate a debt management plan to vary the terms of all such debts, under a debt management plan (debt management companies) and 3) negotiate with a creditor to lower the interest rate of the outstanding debt and / or waiver of certain debt fees, such as late fees or over the limit fees (debt negotiation companies).

Terms, defined.For purposes of the Credit Services Organization Act: (1) Buyer shall mean an individual who is solicited to purchase or who purchases the services of a credit services organization; (2) Consumer reporting agency shall have the meaning assigned by the Fair Credit Reporting Act, 15 U.S.C. 1681a (f); (3) Credit services organization shall mean a person who, with respect to the extension of credit by others and in return for the payment of money or other valuable consideration, provides or represents that the person can or will provide any of the following services: (a) Improving a buyer's credit record, history, or rating; (b) Obtaining an extension of credit for a buyer; or (c) Providing advice or assistance to a buyer with regard to subdivision (a) or (b) of this subdivision; (4) Extension of credit shall mean the right to defer payment of debt or to incur debt and defer its payment offered or granted primarily for personal, family, or household purposes; and (5) Person shall include individual, corporation, company, association, partnership, limited liability company, and other businessServices Organization Act: (1) Buyer shall mean an individual who is solicited to purchase or who purchases the services of a credit services organization; (2) Consumer reporting agency shall have the meaning assigned by the Fair Credit Reporting Act, 15 U.S.C. 1681a (f); (3) Credit services organization shall mean a person who, with respect to the extension of credit by others and in return for the payment of money or other valuable consideration, provides or represents that the person can or will provide any of the following services: (a) Improving a buyer's credit record, history, or rating; (b) Obtaining an extension of credit for a buyer; or (c) Providing advice or assistance to a buyer with regard to subdivision (a) or (b) of this subdivision; (4) Extension of credit shall mean the right to defer payment of debt or to incur debt and defer its payment offered or granted primarily for personal, family, or household purposes; and (5) Person shall include individual, corporation, company, association, partnership, limited liability company, and other businessservices of a credit services organization; (2) Consumer reporting agency shall have the meaning assigned by the Fair Credit Reporting Act, 15 U.S.C. 1681a (f); (3) Credit services organization shall mean a person who, with respect to the extension of credit by others and in return for the payment of money or other valuable consideration, provides or represents that the person can or will provide any of the following services: (a) Improving a buyer's credit record, history, or rating; (b) Obtaining an extension of credit for a buyer; or (c) Providing advice or assistance to a buyer with regard to subdivision (a) or (b) of this subdivision; (4) Extension of credit shall mean the right to defer payment of debt or to incur debt and defer its payment offered or granted primarily for personal, family, or household purposes; and (5) Person shall include individual, corporation, company, association, partnership, limited liability company, and other businessservices organization; (2) Consumer reporting agency shall have the meaning assigned by the Fair Credit Reporting Act, 15 U.S.C. 1681a (f); (3) Credit services organization shall mean a person who, with respect to the extension of credit by others and in return for the payment of money or other valuable consideration, provides or represents that the person can or will provide any of the following services: (a) Improving a buyer's credit record, history, or rating; (b) Obtaining an extension of credit for a buyer; or (c) Providing advice or assistance to a buyer with regard to subdivision (a) or (b) of this subdivision; (4) Extension of credit shall mean the right to defer payment of debt or to incur debt and defer its payment offered or granted primarily for personal, family, or household purposes; and (5) Person shall include individual, corporation, company, association, partnership, limited liability company, and other businessservices organization shall mean a person who, with respect to the extension of credit by others and in return for the payment of money or other valuable consideration, provides or represents that the person can or will provide any of the following services: (a) Improving a buyer's credit record, history, or rating; (b) Obtaining an extension of credit for a buyer; or (c) Providing advice or assistance to a buyer with regard to subdivision (a) or (b) of this subdivision; (4) Extension of credit shall mean the right to defer payment of debt or to incur debt and defer its payment offered or granted primarily for personal, family, or household purposes; and (5) Person shall include individual, corporation, company, association, partnership, limited liability company, and other businessservices: (a) Improving a buyer's credit record, history, or rating; (b) Obtaining an extension of credit for a buyer; or (c) Providing advice or assistance to a buyer with regard to subdivision (a) or (b) of this subdivision; (4) Extension of credit shall mean the right to defer payment of debt or to incur debt and defer its payment offered or granted primarily for personal, family, or household purposes; and (5) Person shall include individual, corporation, company, association, partnership, limited liability company, and other business entity.

We have prioritized these key components to facilitate our long - term view of providing credit and debt management services to consumers.

A Debt Relief Service company covered under the new rules is a for profit company that engages in the business of offering or implying to offer to reduce, renegotiate or otherwise change the terms of a consumer's debt repayment with an unsecured crediDebt Relief Service company covered under the new rules is a for profit company that engages in the business of offering or implying to offer to reduce, renegotiate or otherwise change the terms of a consumer's debt repayment with an unsecured credidebt repayment with an unsecured creditor.

«They're going to be facing the quarter - point increase on terms of that debt for their servicing... That's a quarter point on an annual basis.

Do not sign up for any of the following debt management services until you understand what they mean for you in the long term:

Else, non-homeowners need to hire the services of a debt consolidation reduction agency that can negotiate with creditors new loan terms because qualifying for an unsecured consolidation loan with bad credit is tricky and you can't get high loan amounts.

Knowing your debt service coverage ratio in advance of applying for new credit can put you in better standing for acquiring a lower interest rate and better loan terms.

While there are many alternatives out there (you can get more information from UK debt charity Step Change), we think our payday loan service is one of the best short term lending options currently available, all thanks to:

(b) Each registrant shall maintain and preserve complete and adequate recordsof each debt management services agreementduring the term of the agreement and for a period of five years from the dateof cancellation or completion of the agreement witheach consumer.

Graduates employed in public service provide an immeasurable benefit to American society, and those who pursue graduate or professional school should be free to give back to society without the long - term burden of student loan debt.

«It could help you in the short term but if you've got money management issues [helping with debt] could perpetuate the problem,» says Jeffrey Schwartz, executive director of Consolidated Credit Counselling Services of Canada Inc. «Maybe it could be a gift, not a loan.

By John Ulzheimer Ok, I get it... the world of financial services can be complicated and confusing. It's hard to calculate APRs, and it's hard to forecast interest paid on long term credit card debt.

Those with long - term investment horizons can benefit by gaining exposure to bond strategies that allocate to countries on the basis of debt - servicing economic resources rather than debt issuance, effectively raising the relative credit quality of holdings.

The second major protective factor is the company's fortress - like balance, specifically one marked by an enormous net cash position (enough to fund the dividend for 18 years), and one of the highest current ratios (short - term assets / short - term liabilities) in the industry, indicating the company has no problems servicing its debt or liabilities.

Debt Service Coverage Ratio = (PBT + Depreciation + Other non-cash charges + Interest on term loan + Lease Rental) / (Interest on Term loan + Lease Rental + Repayment of Term Lterm loan + Lease Rental) / (Interest on Term loan + Lease Rental + Repayment of Term LTerm loan + Lease Rental + Repayment of Term LTerm Loan)

There are hundred's of terms and phrases associated with credit card debt services.

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.

One thing to note (and which I, as a long - term owner of FIG, have had to keep in mind) is that Fortress's permanent capital vehicles — Aircastle, Newcastle, Gatehouse, Eurocastle — have tended to be very highly leveraged, with aggressive assumptions about cash flow and debt service.

This term will apply to whatever applicable law each state has regulating a wide range of services from simply charging a fee to talk to consumers over the phone about their debts right through credit counseling, debt management plans and debt settlement plans.

because you were not born to be a loser i want you to understand the fact that we give out long term and short time loans what are you waiting for asap why don't you try Mr. Anthony Lucas Loan home and be free from debts Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies.

Further, the value of the service that a debt settlement company offers a consumer is speculative because, at the time that the company enrolls a consumer and collects an initial fee and obligates the consumer to pay other fees, the company does not know what terms, if any, it will be able to negotiate on behalf of the consumer.

Although profitability is not absolutely essential to maintain liquidity in the short term, profitability of operations is crucial to enable an organization to meet its debt servicing obligations in the long run.

These regulations evaluate debt service using longer repayment terms than the typical 10 - year plan, taking into account our experience with the history of actual borrower repayment and the use of forbearances and deferment.

The definition of a debt relief service is «any service or program represented, directly or by implication, to renegotiate, settle, or in any way alter the terms of payment or other terms of the debt between a person and one or more unsecured creditors or debt collectors, including, but not limited to, a reduction in the balance, interest rate, or fees owed by a person to an unsecured creditor or debt collector.»

But he points to a report from the Parliamentary Budget Officer released earlier this year showing that, since 2009, the debt service ratio — a measure of income spent to pay debt — has remained steady at around 14 per cent, not much higher than the long - term average.

You request and we agree to provide you with a debt advisory service in accordance with these Terms of Sservice in accordance with these Terms of ServiceService.

Whether you need an Operating Agreements, Bylaws, Buy - Sell Agreements, Shareholder Agreements, Debt Agreements or Terms of Service you will be in good hands at Spera Law Group.

He has particular experience of the sale of goods and supply of services, contracts of agency (estate agencies, recruitment agencies and financial consultancies), franchise agreements, seeking and resisting injunctive relief in cases concerning covenants in restraint of trade and misuse of confidential information, contracts of guarantee (enforceability and construction of terms), civil fraud, bailment and conversion, debt recovery and restitutionary remedies.

Senior Debt Consultant - Consultative sales, one call close of lead source prospects to provide the correct legal services, negotiation of both price and terms.

I am an accomplished Real Estate Lending Professional with a successful track record of business analysis and customer service within prestigious mortgage lending financial institutions with extensive expertise in short - term debt - oriented bridge loans.

The ownership of shopping centers with long - term leases is wonderful because the rent stream was your debt service and the percentage clause and the residuals, your conversion rights.