Sentences with phrase «use debt service»

Some lenders use debt service coverage ratio while others use rental offset rules.

Banks use your debt service coverage ratio to determine your qualifications for a loan so if you're in the market for a personal loan, auto loan, or home loan, you'll want to know your ratio.

Not exact matches

In 2015, on the one - year anniversary of its report, Bragg delivered a harsh message to fans of big government: The province needs to cut its civil service, he said in a keynote address, and use the savings to dig Nova Scotia out of debt.

At that point, large private equity buyers begin to enter the picture, because they can purchase the company with borrowed money and use the company's own cash flow to service the debt.

However, in reality, many individuals use the services of an accountant whether it's to help with tax returns, to improve their financial planning or even to assist with debt problems.

EBITDA does not give effect to the cash that we must use to service our debt or pay our income taxes, and thus does reflect the funds actually available for capital expenditures, dividends or various other purposes.

Mining services company Austin Engineering has launched a $ 31.6 million entitlement offer through broking firms Argonaut and Bell Potter, with the proceeds to be used to reduce debt.

That is, when debt service ratios are calculated using the discounted mortgage rates actually charged by banks (about 125 percentage points below posted rates), the average Canadian homeowner is paying just 25 % or so of income on mortgage payments, far below the 32 % benchmark used for mortgage - insurance qualification.

«By signing this document, customer agrees to accept and understands that text messages may be used when servicing the account, including the collecting of debts.»

A customer - service rep named Talia Jane, who worked for the company's food delivery arm Eat24, wrote an open letter to Yelp CEO Jeremy Stoppelmann on Friday explaining how she could not afford to pay groceries, had stopped using her heater, spent 80 % of her income on paying rent in San Francisco, and was «balancing all sorts of debt and trying to pave a life for myself that doesn't involve crying in the bathtub every week.»

Of course, often folks using these services for side - income must pay down debt or use the funds to cover other needs.

«It's really a fee for using someone else's money,» explains Todd Christensen, director of education at Debt Reduction Services, a nonprofit debt management and credit counseling organization in Boise, IdDebt Reduction Services, a nonprofit debt management and credit counseling organization in Boise, Iddebt management and credit counseling organization in Boise, Idaho.

Using one of these services will help speed up your debt payment and get you on the path to investing.

Companies that actually use raw materials and consumers that buy products are being squeezed, by a combination of debt service and a financial austerity plan — while Wall Street and speculators are being enabled to make a killing.

The report also analyzes how the better farmers are subsidizing the less - productive ones, and how the whole system costs several hundred million dollars a year in debt servicing costs, capital that could be better used to fund tangible and productive assets.

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.

As a striking example, and noting the total B.C. Budget is approximately $ 50 billion per year, servicing B.C.'s debt using Ontario's credit rating (and resulting higher interest rates) would cost B.C.'s taxpayers an extra $ 2.3 billion every year.

In theory, loads of cheap debt could have been used to finance incredibly useful public works projects and other social services that laid the foundations for enduring prosperity.

Clearly, a range of merchants is willing to price in and accept Bitcoin (and Airpoints) in exchange for goods and services, and they can be used to transfer value from one person to another (albeit that Airpoints transferability is somewhat limited), and thereby settle debts.

Compare two households — one in 1993 and the other in 2003 — that have the same percentage of their income used in debt service, and have the same gearing ratio (level of debt as a percentage of value of house), but with the 2003 household having a debt level nearly twice as high as the 1993 household.

Using the Farmers» Market Salad Bar model, Taylor moved the nutrition services program from a district debt of $ 3.1 million in 2002 to a surplus of $ 5.1 million in 2012.

Among the services DP&F can provide are assistance with sales and purchases of wineries and vineyards, debt / equity financing, grape sale / purchase agreements, alcohol beverage regulation, land use planning, environmental regulation, establishment of wine appellations, broker and distribution agreements and terminations, license transfers, labeling matters, litigation involving wine contamination (including cork taint), and business succession planning.

Clearly, if he uses current USD as he does with great skill in computing the current debt to GDP ratio, then he has to peg the debt borrowed by the NDC according to the current dollar value (in line with the debt servicing burden) and if he did that he will have to benchmark 2012 USD values with current USD values.

Although the budget also provides $ 100 million to the MTA's capital program from redirected economic development funds, it also proposes using $ 165 million of Metropolitan Mass Transportation Operating Assistance Account funds to pay debt services on State bonds previously issued for the MTA capital program that otherwise would be paid from the General Fund and transferring $ 35 million in MMTOA funds to the General Fund.

Any serious journalist who reads wide and is a bit savvy with knowledge in finance will know that borrowing money, prudent use of money for returns, debt servicing, debt management, exchange rate risk management which are all ingredients of borrowing need a very strong Financial Management adroitness to handle and not just about «Over-The-Counter» borrowing that we do with our friends, family relations and acquaintances.

The Cuomo administration hinted at the possibility of using the extra funds for debt service and pay for one - time capital expenses.

The Division of Budget this week in its quarterly budget update raised the possibility of the state using the money for one - time capital expenses as well as debt service.

The launch of the new service Paym means that you will be able to pay off debts using just your mobile phone number.

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.

In October, the Citizens Budget Commission released a report that projected TZB tolls would have to double, to around $ 10, to meet the yearly debt service on the loans and bonds used to build the $ 3.9 billion bridge.

Reasons include people spending less overall and using their money instead to save or pay off debts and a shift to a service economy and Internet sales.

He said the centre ground should be discussing issues such as the role of technology and big data in public services, the use of monetary policy such as quantitative easing and the future of student debt.

«The money that then has to be used to pay that debt service comes from the taxpayers,» Dyster explained.

«The temptation for Cuomo will be to use state - budget surpluses to avoid the problem for a couple of more years — that is, give them a few hundred million dollars a year out of the state budget to cover the operating budget deficits that will get bigger as the M.T.A. devotes more money to debt service,» she emailed.

Dr. Boudreaux points to two mechanisms that link early childhood Medicaid exposure to adult health outcomes: childhood health service use and family medical debt.

The research suggests that the improvement in health may be linked to greater access to and use of health services by children whose families received Medicaid, and a decreased economic burden on families from medical expenses and debt.

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.

We appreciate greatly how the CSFA has disbursed program funding to charter schools far earlier than has happened previously and we look forward to working with the CSFA and others to make the additional changes that we need to expand eligibility for the program and make adjustments allowing SB740 funds to be used for debt service.

This fund was established by the Board to provide for debt expenditures (e.g., debt service, swap, variable rate payments, and fees) and other uses approved by the Board.

Debt service funds are established to account for revenues and appropriations that are used for the payment of principal, interest, lease payment, and other related costs.

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.

If we use services like this to book airfare and hotels and shop for cars, why not to save on textbooks and minimize additional college debt?

So Hoover — «a fabulous self - promoter and a very talented author,» Rennert said — earns back her debt to the agency, and the agency gets 15 percent to cover «the hours and months we devote to editorial; figuring out how to position and package the book to reach the right market; the time spent on quality control; seeking out and dealing with high - caliber vendors providing the above services; and locating and vetting professional photographers and cover designers whose work is every bit as good as those used in traditionally published books.»

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CCLS improves its collection services by implementing centralized email and automated telephone notification services and begins using a collection agency to resolve debts $ 25 or greater.

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 first tweak appears to be a marginal change because the differential between a 3 - year rate (that is currently used to determine debt service ratios) and a 5 - year fixed - rate mortgage is only about 0.5 %.

Now that you know signs of a good debt relief service, just use the above checklist for evaluating companies and programs reviewed here.

Golden Financial Services achieves outstanding settlements with the creditors because we have a massive number of client's debts to use as leverage.

With multiple companies offering a commercial service to collectors to identify consumers enrolled in debt settlement programs through the use of an aggregated database of debt settlement consumers, many buyers and collectors have developed a hybrid strategy of working directly with a few large debt settlement companies while also scrubbing collection files and submitting offers through third party debt settlement account aggregators.