Low - debt companies have more flexibility during adverse business conditions because they can direct cash to operations rather
than interest expenses.
For example, if EBIT was $ 500,000 and net interest expenses were $ 100,000, the interest coverage ratio would be 5, which means that earnings are five times larger
than interest expenses.
A company's earnings should be greater
than its interest expenses - that is, the company should earn enough from its business operations to cover interest payments on money it borrows.
Not exact matches
Examining modern campaign politics, the open - source movement and some of the few recent bright spots in the traditional music business, Benkler isolates a handful of «design levers» — «elements of successful cooperative human systems that we can employ to motivate [people]... to contribute to the collective effort rather
than exclusively pursue their own
interests (at the
expense of those of the group).»
But if your income has increased over what you estimated during the year or your
expenses are lower
than anticipated, you will need to pay the amount owed or be subject to penalties and
interest when you finally do pay your taxes.
I had planned to live on the bank
interest, or at least supplement
expenses with it, and hoped to get more
than just $ 80
interest for the amount I have in there, now..!!
The action is expected to save WPX more
than $ 90 million in total
interest expense from 2018 - 2021.
Thereafter, the downward adjustments to budgetary revenues more
than offset the downward adjustments to total
expenses, the latter primarily due to the lower outlook for
interest rates on public debt charges.
SHANGHAI / BEIJING Bank of China Ltd (BoC), the country's fourth - largest lender by assets, reported a smaller -
than - expected drop in quarterly profit, helped by rising
interest income and falling operating
expenses.
i have 30 % more dividend and
interest income
than my annual
expenses.
Finally, the tradeoff for the lower -
than - expected corporate rate (21 % vs. 25 % est.) appears to be more mixed benefits on the personal side and modifications to some key corporate incentives from the way they were originally envisioned (i.e., a more limited
expensing provision, restrictions on
interest deductibility & loss carryforwards, higher repatriation rates & stronger international tax provisions).
The royalty trust has virtually zero
expenses (other
than interest, taxes, and the ongoing cost of being a publicly - traded company), as well as a dependable source of revenue (a portion of top - line sales).
These positive earnings drivers were more
than offset by the combined impact of several factors, including increased energy - related provisions for credit losses, a 17 basis point decline in net
interest margin, moderate growth of non-
interest expenses, the addition of acquisition - related contingent consideration fair value changes reflecting performance within CWB Maxium Financial (CWB Maxium), higher preferred share dividends, and the 20 % increase to CWB's income tax rate in Alberta.
With populist frustration increasingly pressuring policy change around the world, investors should expect labor, tax, and
interest expense to rise faster
than sales, thereby depressing profit margins and slowing real growth in earnings per share over the decades ahead.
The management fee is a unified fee that includes all of the operating costs and
expenses of the Fund (other
than taxes, charges of governmental agencies,
interest, brokerage commissions incurred in connection with portfolio transactions, distribution and / or service fees payable under a plan pursuant to Rule 12b - 1 under the Investment Company Act of 1940 and extraordinary
expenses), including accounting
expenses, administrator, transfer agent and custodian fees, Fund legal fees and other
expenses.
Wells Fargo shelled out $ 683 million in
interest expense in the second quarter, more
than double from last year, but it went mostly to corporate clients who are «much more price sensitive,» said Wells Fargo's Shrewsberry.
This may affect smaller companies more
than larger ones as there is a larger percentage of companies that pay more
than the «new» 30 % cap on
interest expenses in the Russell 2000
than in the S&P 500.
So if you have a long - term goal such as saving for college
expenses, perhaps an advanced degree or even something personal like a family reunion or wedding, opening an account and stashing money in it will earn you more
than having it sit in a non
interest yielding place.
Executive Board member Benoît Coeuré recently noted that «many banks have been able to more
than offset declining
interest revenues with higher lending volumes, lower
interest expenses, lower risk provisioning and capital gains».
The mutual fund account provides more for my daily
expenses better
than the earnings on
interest from cash deposit accounts.
The optimist will always tend to see the glass half - full and the pessimist see the glass half - empty; but the mature believer will be more inclined to chose the Cross rather
than pursue his or her self -
interest through unjust means or indulge disordered passions at the
expense of others.
Although I've found it very cathartic to speak, vent and end occasionally rant about all things Arsenal, we need to act carefully and intelligently right now or we're going to get played by this club even worse
than at present... the pro-Wengerites and the suits, who represent a considerable proportion of the season ticket holders, don't want to believe that there is no plan and that Wenger has mailed it in for several years now or that things are going to get much worse before they get better... why would they... many have spent a considerable sum buying some of the highest priced tickets in the World... they want to have a front row seat to see something special and to be seen doing so, which simply provides ample justification for the
expense and the time invested... to many of them, Wenger is the sun in their soccer universe... his awkward disposition, misplaced arrogance and his utter lack of balls makes him a rather unusual cult figure, but the cerebral narrative seemed to embolden those who already felt pretty highly of themselves... many might not even of really liked football that much before his arrival and rarely games they weren't attending... as such, they desperately believe that Wenger, and only Wenger, can supply them with their required fix... if he goes, they were wrong and that's a tough pill to swallow... they would have to admit that they were duped... they will definitely resent whoever made them feel this way, but of course it will be too late by then... so when we go overboard with ridiculous comments bordering of anarchy, it scares the shit out of them and they shift their blame towards us rather
than at those who really perpetrated this act of treason... we aren't the enemy... we simply woke much earlier and the reason our comments have gotten more vile in recent years is out of utter frustration... in order for any real change to occur at this club we need to bring as many supporters as possible with us or the big money
interests will fade and our ultimate objective will be lost... so it's time to focus on the head instead of the heart for now
20 per cent of the gross
interest might actually be more
than the profits the bank ends up earning on that loan (once it takes its business
expenses and US tax into account).
The importance of the outcome is perhaps even greater
than our first Civil War, because economically speaking the Anti Gov forces are attempting to rob the majority of Americans, for their own selfish vested
interest pursued at the
expense of average Americans.
Having taxpayers fund the campaigns»
expenses was considered better
than candidates indebting themselves to big - money contributors — including state contractors — who have special
interests in government decisions.
Clearly, the fault isn't in the stars but in a storyline that focuses on Greg at the
expense of two equally
interesting characters who often feel more like moons circling Greg's planet
than fully defined people in their own right.
Rather
than seeing a system controlled by its employees as one characterized by self -
interested adults maximizing their benefits at the
expense of children, Kahlenberg sees it as the ideal.
Critical pedagogy departs somewhat from constructivism, first in its emphasis on the affective - normative domain at the
expense of the cognitive - empirical domain - it is more
interested in engaging students in understanding the world as it ought to be
than in how it is - and, second, in its acceptance of the hierarchical, judgmental classroom, where the teacher's role is not to facilitate value - free inquiry but instead to use the bully pulpit to preach doctrinaire gospel, with schools performing the function not of political socialization but of counter-socialization.
Comment from Morna McDermott: How can we escape the trap that high stakes testing both serves corporate
interest like Pearson at the
expense of children's real learning while acknowledging that tests are being used to shut down public community schools for corporate model charter schools that have proven to be no better
than the schools they replaced?
If you're more
interested in power
than economy, the 3.0 - litre TDI can be chosen in 268bhp single - turbo or 316bhp BiTDI twin - turbo forms — the latter can blast to 62mph from rest in just five seconds at the
expense of a 47.1 mpg thirst for fuel.
This dealership showed no concern or
interest in the damages to our car, accepted no responsibility for it, and to date other
than the one call, has never contacted us again despite our asking for a meeting when we returned from Florida, as we wanted to be reimbursed for our
expenses for getting our car fixed.
In general, lenders like to see housing
expenses (principal,
interest, property taxes, mortgage insurance, HOA fees, etc.) kept to 28 percent or less of your gross (before tax) income, and they prefer that all of your bills — home loans plus car payments, credit cards, etc., total no more
than 38 percent of your gross income.
Some lenders offer «no cost» refinances (actually, no out - of - pocket
expenses to the borrower) by charging a higher rate of
interest on the new loan
than if the borrower financed or paid the closing costs in cash.
Making payments before the due date or more
than once per billing cycle is a great way to reduce
interest expenses.
Someone with excellent credit who can qualify for a low
interest rate will be able to spend more for an expensive car
than someone who has poor credit since the costs of financing will add significant
expenses to their payments.
Generally speaking, we strongly recommend that borrowers with sufficient home equity first consider a home equity line of credit (HELOC) for their home renovation needs, as the
interest expense is usually lower
than the
interest on unsecured lines of credit.
This might sound a bit extreme, but it's a lot better
than putting your travel
expenses on your credit card and paying
interest later.
President - elect Donald Trump will soon celebrate his inauguration and with his ascent to power, he has promised to reduce marginal tax rates, cut taxes, and allow businesses to
expense new investments rather
than deducting
interest costs.
Assuming you're able to secure a lower APR
than the weighted average cost of your existing debt, a debt consolidation loan can reduce your
interest expenses over time.
By paying it off now instead of over the next 10 years, they could save more
than $ 21,000 in
interest payments.4 They'll also have more available cash to cover other retirement
expenses.
Online banks don't have the added
expenses of maintaining a brick and mortar presence so they are able to offer higher
interests than their counterparts.
However, a financial institution may deduct 80 percent of its
interest expense allocable to «qualified tax - exempt obligations,» which are a special type of tax - exempt obligation issued by qualified small issuers that reasonably anticipate issuing no more
than $ 10 million in tax - exempt obligations during the calendar year.
For example, it's perfectly legal and reasonable to pay college tuition
expenses with a student loan rather
than a credit card for no reason other
than to take advantage of the student loan
interest deduction.
The
interest savings over time may more
than make up for the
expense, but the fee does cut into your savings.
As such, home repairs, car repairs, medical
expenses, and most anything else can be put on credit for up to 30 days with no
interest, which is far longer
than is needed to liquidate any kind of stock or mutual fund.
Interest paid on passive investments can be deducted from the amount earned by that investment as an investment expense as long as the amount earned is greater than the total paid for the interest
Interest paid on passive investments can be deducted from the amount earned by that investment as an investment
expense as long as the amount earned is greater
than the total paid for the
interest interest expense.
If the
interest expense of the borrowing is greater
than the return on the securities bought, the use of leverage will decrease the return to shareholders in the Fund.
If you spend $ 1,000 and carry that balance, the 1 % cash back on your $ 1,000 of spending will be less
than one month's
interest expense.
Policy loans can be used for anything, from paying for a car to covering medical
expenses, and typically have lower
interest rates
than you could qualify for with a personal loan.
In this way, the fundamental analyst is more
interested in the direction of sales and
expenses than price.