Sentences with phrase «use of debt by»

Citi ® Double Cash Card stands out among cash - back cards because it offers an innovative rewards program that smart use of debt by paying off balances.

Citi ® Double Cash Card stands out among cash - back cards because it offers an innovative rewards program that incentivizes smart use of debt by paying off balances.

The Citi ® Double Cash Card stands out among cash - back cards because it offers an innovative rewards program that smart use of debt by paying off balances.

The Citi ® Double Cash Card stands out among cash - back cards because it offers an innovative rewards program that incentivizes smart use of debt by paying off balances.

The Citi ® Double Cash Card stands out among cash - back cards because it offers an innovative rewards program that smart use of debt by paying off balances.

Not exact matches

Barrick plans to eliminate $ 3 billion in debt by the end of the year through asset sales and partnerships, and by using its free cash flow.

Collector Steven Tananbaum sued in New York state court on Thursday over the non-delivery of three Koons sculptures, claiming a «well - oiled machine» that exploits collectors» desire to own the artists» works by using incoming money to pay debts.

In software, there's a notion of «technical debt» — the debt a company accumulates by using sloppy, get - us - there code in the short term that really should be rewritten at some point.

The Barnett government is hoping to raise $ 3 billion by selling 51 per cent of Western Power to Australian investors, and will also use the privatisation deal to remove about $ 8 billion of debt off the state's books.

Stagias at Francis Financial educates his clients about credit both by reviewing their credit reports with them annually and by having an event for their children, aged from 12 to 30, that discusses the proper use of credit cards, good debt versus bad credit, and other topics.

PeerStreet's view is that by performing its own due diligence on borrowers using a software - based underwriting engine, the company can match high - quality debt with a growing crop of yield - hungry investors.

On the other hand, another survey by Bank of America and Merrill Lynch showed that 65 % of firms polled said they would use the new gains to pay down debt, 46 % would buy back stock, and just 35 % would spend on capital expenditures.

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.

Last year, it raised debt backed by leased phone receivables, and this year has used some of its cellular network equipment to back borrowings.

EBITDA is defined as earnings (net income or loss) before interest expense, net, (gain) loss on early extinguishment of debt, income tax (benefit) expense, and depreciation and amortization and is used by management to measure operating performance of the business.

«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.»

An alternative is to pay off high - interest credit card balances using another type of debt consolidation loan or by refinancing your mortgage with a cash - out option.

Financial repression is a term describing measures used by governments to channel funds to themselves as a form of debt reduction.

Debt obligations issued by states, cities, counties, and other public entities that use the loans to fund public projects, such as the construction of schools, hospitals, highways, sewers, and universities

«Floor plan financing interest» is interest paid on debt used to finance the acquisition of motor vehicles held for sale or lease and secured by the inventory so acquired.

debt obligations of the U.S. government that are issued at various intervals and with various maturities; revenue from these bonds is used to raise capital and / or refund outstanding debt; since Treasury securities are backed by the full faith and credit of the U.S. government, they are generally considered to be free from credit risk and thus typically carry lower yields than other securities; the interest paid by Treasuries is exempt from state and local tax, but is subject to federal taxes and may be subject to the federal Alternative Minimum Tax (AMT); U.S. Treasury securities include Treasury bills, Treasury notes, Treasury bonds, zero - coupon bonds, Treasury Inflation Protected Securities (TIPS), and Treasury Auctions

The two announcements also acknowledge that «the function of digital tokens has evolved beyond a virtual currency» and point out use cases, such as representation of ownership or a security interest over a token seller's assets or property, or a debt owed by the seller.

While other get - out - of - debt strategies can be cheaper — you'd likely pay less in interest charges, for instance, by using the debt avalanche method — the debt snowball method feels better to some people.

According to the Wall Street Journal, the Securities and Exchange Commission is investigating this new kind of investment vehicle that mirrors strategies used by hedge funds: investing in private debt or by shorting stocks.

In fact, 42 percent of millennials have used methods like payday loans as a way of dealing with debt, according to a recent study by the Global Financial Literacy Excellence Center at George Washington University.

Banks «earned their way out of debt» by lending to global speculators who used the yen loans to convert into foreign currency and buy higher - yielding assets abroad — capped by Icelandic government bonds paying 15 %, and pocketing the arbitrage difference.

Things look equally bleak based on metrics typically used by investors to evaluate a borrower's ability to make payments: In Asia and Latin America, companies» debt now represents roughly four years of operating profits, up from fewer than two years prior to the financial crisis of 2008.

He has suggested, of course, that governments and their central banks cooperate to stimulate their national economies without adding to their national debt levels by using some variant of «helicopter money.»

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 10 - year debt facility, with a fixed interest rate, will be used to finance the seed portfolio of a vehicle managed by Corestate on behalf of the German pension fund.

We do this using data from Chicago, where the city recently implemented an aggressive program to collect parking debts by seizing the cars and suspending the licenses of consumers with large debts.

Instead of using it to reduce the federal public debt, the government used it to cut the GST by two percentage points, thereby creating a structural deficit in advance of the financial meltdown in 2008.

Second, assume that the bad debt generated by the system (by which I mean the excess portion of any debt used to fund projects that add less value to the economy than the cost of the project) is not written down within the reporting period in which it was extended.

The Harper government had already promised to use the surpluses to allow income splitting for tax purposes for families with children under the age of 18; to extend the fitness tax credit to adults; and, to reduce debt by $ 3 billion a year.

It is not a perfect analogy but — except, of course, for the part in which analyses that use the number of bookshops as a proxy for literacy are widely ridiculed — it is nonetheless similar to what happens when the health of the Chinese economy is measured by the reported GDP data, or when second - order measures, such as the dependence of Chinese growth on debt, is estimated by looking at credit growth in relation to GDP growth.

But by far the bulk of debt was used to buy rival companies, as occurred when MCI bought Sprint, and when European companies bought hitherto public monopolies.

Second, even if the bank did not own SIV debt, the use of the back - stop facility by the SIV meant that the leverage ratio of the sponsoring bank was suddenly increasing - even if the bank did not consolidate the SIV on its balance sheet at the time.

Using the conventional total debt - to - income ratio, where debt is measured as a share of income, college - educated student debtors are by far the most indebted.2 The median college - educated student debtor has total debt equal to about two years» worth of household income (205 %).

The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred.

Specifically, Defendants made false and / or misleading statements and / or failed to disclose that: (i) the Company was engaged in predatory lending practices that saddled subprime borrowers and / or those with poor or limited credit histories with high - interest rate debt that they could not repay; (ii) many of the Company's customers were using Qudian - provided loans to repay their existing loans, thereby inflating the Company's revenues and active borrower numbers and increasing the likelihood of defaults; (iii) the Company was providing online loans to college students despite a governmental ban on the practice; (iv) the Company was engaged overly aggressive and improper collection practices; (v) the Company had understated the number of its non-performing loans in the Registration Statement and Prospectus; (vi) because of the Company's improper lending, underwriting and collection practices it was subject to a heightened risk of adverse actions by Chinese regulators; (vii) the Company's largest sales platform and strategic partner, Alipay, and Ant Financial, could unilaterally cap the APR for loans provided by Qudian; (viii) the Company had failed to implement necessary safeguards to protect customer data; (ix) data for nearly one million Company customers had been leaked for sale to the black market, including names, addresses, phone numbers, loan information, accounts and, in some cases, passwords to CHIS, the state - backed higher - education qualification verification institution in China, subjecting the Company to undisclosed risks of penalties and financial and reputational harm; and (x) as a result of the foregoing, Qudian's public statements were materially false and misleading at all relevant times.

It is true that earlier this year a swap of Greek bonds took a bite out of the country's debt load by forcing a «haircut,» the cute word bankers use to describe losses, onto creditors.

Turkish banks will normally allow a mortgage to be repaid up until the 75th birthday of the oldest applicant, but for every year the applicant is over the age of 60, the income used in the debt to income (DTI) calculation could be reduced accordingly by a lender's set scale, thereby reducing the maximum mortgage available.

«Liquidity» is defined by economists as money available in all forms to be given out as debt, ranging from credit card debt to mortgage debt to large quantities of institutional debt typically used in complex financial transactions such as highly leveraged corporate acquisitions.

Other Uses of Funds In view of the near impossibility of replicating the debt cancellations of prior millennia in the modern context, we have re-interpreted the prior objective of seeking to sustain a property - owning democracy in terms of equity participation by the State to enable any (young) person to afford the down - payment for a home, to finance a start - up business, and to benefit (if academically gifted) from tertiary education.

We would love to help you learn how to move to the right side of the quadrant to generate income with assets by using debt and reducing your taxes.

As a result, the Senate bill increases the debt by $ 1.4 trillion using conventional scoring but sets up a potential true cost of up to $ 1.9 trillion, or $ 2.2 trillion including interest, assuming expiring policies are continued and certain future tax hikes are ignored.

Other mooted policies included a one - off tax on profits retained overseas by US companies, plans to combat their use of low - tax jurisdictions and limits on the deduction of debt interest from their tax bills.

By using a combination of assets, debt, equity, and interest payments, leverage ratios are used to understand a company's ability to meet it long - term financial obligations.

By exploring each of these options carefully, you can better determine if using Lending Club or Prosper for your debt consolidation needs is a wise move to make.