And debt ratio

Debt Management and Debt Help

2008.06.12 16:27 Debt Management and Debt Help

This subreddit is a place to discuss debt-related issues, debt management, collections, and more.
[link]


2010.03.10 18:29 moronometer Debt Free

We help individuals become debt free.
[link]


2021.01.29 23:26 ivanbayoukhi Wall Street Silver

Home of the #SilverSqueeze. We love silver, every Troy ounce. No💎-hands without extreme pressure.
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2024.05.15 04:06 Total_hippy9914 How do Libertarians Account for the Correlation between Infrastructure Spending and Declines in Debt/GDP Ratios.

Study after study has confirmed that when governments invest in infrastructure, even using debt, their debt/GDP ratio drops because the infrastructure spending can increase GDP by more than the additional debt burdon. In this sense, cutting government investment spending in infrastructure will make things WORSE, not better, for fiscal solvency. How do Libertarians argue against this idea? I get cutting welfare programs to pay off the debt because you could argue that stifles productivity, but how can you justify cutting infrastructure?
submitted by Total_hippy9914 to AskLibertarians [link] [comments]


2024.05.15 03:11 AblePost7537 Mortgage Guide for First-Time Home Buyers in Kentucky

Understanding Understanding several key factors that will influence your Kentucky mortgage loan approval. Here’s what you need to review before applying for a mortgage loan in Kentucky.

Credit Score​ for Kentucky Mortgage Loan Approval

Your credit score is a major factor in determining the interest rates and loan terms you’ll receive and your loan approval. In Kentucky, a score of 620 or higher is generally considered favorable for conventional loans, but programs like FHA loans may accept scores as low as 580.

Kentucky Mortgage Loan Work History Requirements:

Lenders typically require a stable work history, usually two years or more in the same job or field, to ensure you have a reliable income stream to cover mortgage payments. Does not have to be same job but job gaps should be minimal and you can use college transcripts to supplement a 2 year work history with

Kentucky Mortgage guidelines for Income and Debt-to-Income Ratio: Balancing Your Budget

Your income level and debt-to-income (DTI) ratio are critical in assessing your ability to afford a home. A Debt to income ratio below 50% is ideal, as it indicates a healthy balance between debt and income. For example, if you make $4000 gross a month, then your new house payment plus your monthly payments on the credit report should not be more than $2000 total. There are two different ratios. Front end, which should be in the range of 30 to 40% of your gross monthly income, and a maximum of 50% for conventional loans and 55% or higher for VA and FHA loans, while USDA loans usually need a 33% front end max ratio and on the backend ratio no more than 45%__USDA loans are much tougher on debt to income ratios while FHA and VA are the most lenient.

Kentucky Mortgage Bankruptcy and Foreclosure: Understanding the Waiting Period

If you’ve experienced bankruptcy or foreclosure, there’s a mandatory waiting period before you can qualify for a mortgage. For FHA loans, this could be as little as 1-2 years post-bankruptcy and 3 years post-foreclosure1. See link for more info

Kentucky Mortgage Down Payments:

While traditional loans may require up to 3-5% down, Kentucky offers programs that allow for down payments as low as 0%. Additionally, down payment assistance programs can provide up to 5% of the sales price or 10k KHC down payment assistance to help cover these costs

Kentucky Mortgage Loan Limits:

Loan limits vary by county and loan type. In Kentucky, conforming loan limits for a single-family home can reach up to $647,200 for conventional loans, with higher limits for FHA and VA loans1.

Government-Backed Loans: Kentucky FHA, VA, USDA Rural Housing

These loans offer benefits like lower down payments, zero down with down payment assistance and more lenient credit requirements, 580 credit scores. The VA loan, for instance, may require no down payment at all for eligible veterans or active-duty service members1.

Kentucky Housing: Down payment Assistance and lower mortgage market rates with MRB Rates.

The Kentucky Housing Corporation (KHC) provides various programs, including the Conventional Preferred and Preferred Plus 80, down payment assistance and low mortgage revenue bond rates which offer competitive interest rates and down payment assistance for those who qualify

Down Payment Assistance Welcome Home Grant

Kentucky’s down payment assistance programs can be a boon, offering loans to cover down payments and closing costs, making homeownership more accessible for first-time buyers.

Joel Lobb Mortgage Loan Officer

American Mortgage Solutions, Inc. 10602 Timberwood Circle Louisville, KY 40223 Company NMLS ID #1364
Text/call: 502-905-3708 fax: 502-327-9119 email: [kentuckyloan@gmail.com](mailto:kentuckyloan@gmail.com) http://www.mylouisvillekentuckymortgage.com/
NMLS 57916 Company NMLS #1364/MB73346135166/MBR1574
The view and opinions stated on this website belong solely to the authors, and are intended for informational purposes only. The posted information does not guarantee approval, nor does it comprise full underwriting guidelines. This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the view of my employer. Not all products or services mentioned on this site may fit all people. NMLS ID# 57916, (www.nmlsconsumeraccess.org).
several key factors that will influence your Kentucky mortgage loan approval. Here’s what you need to review before applying for a mortgage loan in Kentucky.

Credit Score​ for Kentucky Mortgage Loan Approval

Your credit score is a major factor in determining the interest rates and loan terms you’ll receive and your loan approval. In Kentucky, a score of 620 or higher is generally considered favorable for conventional loans, but programs like FHA loans may accept scores as low as 580.

Kentucky Mortgage Loan Work History Requirements:

Lenders typically require a stable work history, usually two years or more in the same job or field, to ensure you have a reliable income stream to cover mortgage payments. Does not have to be same job but job gaps should be minimal and you can use college transcripts to supplement a 2 year work history with

Kentucky Mortgage guidelines for Income and Debt-to-Income Ratio: Balancing Your Budget

Your income level and debt-to-income (DTI) ratio are critical in assessing your ability to afford a home. A Debt to income ratio below 50% is ideal, as it indicates a healthy balance between debt and income. For example, if you make $4000 gross a month, then your new house payment plus your monthly payments on the credit report should not be more than $2000 total. There are two different ratios. Front end, which should be in the range of 30 to 40% of your gross monthly income, and a maximum of 50% for conventional loans and 55% or higher for VA and FHA loans, while USDA loans usually need a 33% front end max ratio and on the backend ratio no more than 45%__USDA loans are much tougher on debt to income ratios while FHA and VA are the most lenient.

Kentucky Mortgage Bankruptcy and Foreclosure: Understanding the Waiting Period

If you’ve experienced bankruptcy or foreclosure, there’s a mandatory waiting period before you can qualify for a mortgage. For FHA loans, this could be as little as 1-2 years post-bankruptcy and 3 years post-foreclosure1. See link for more info

Kentucky Mortgage Down Payments:

While traditional loans may require up to 3-5% down, Kentucky offers programs that allow for down payments as low as 0%. Additionally, down payment assistance programs can provide up to 5% of the sales price or 10k KHC down payment assistance to help cover these costs

Kentucky Mortgage Loan Limits:

Loan limits vary by county and loan type. In Kentucky, conforming loan limits for a single-family home can reach up to $647,200 for conventional loans, with higher limits for FHA and VA loans1.

Government-Backed Loans: Kentucky FHA, VA, USDA Rural Housing

These loans offer benefits like lower down payments, zero down with down payment assistance and more lenient credit requirements, 580 credit scores. The VA loan, for instance, may require no down payment at all for eligible veterans or active-duty service members1.

Kentucky Housing: Down payment Assistance and lower mortgage market rates with MRB Rates.

The Kentucky Housing Corporation (KHC) provides various programs, including the Conventional Preferred and Preferred Plus 80, down payment assistance and low mortgage revenue bond rates which offer competitive interest rates and down payment assistance for those who qualify

Down Payment Assistance Welcome Home Grant

Kentucky’s down payment assistance programs can be a boon, offering loans to cover down payments and closing costs, making homeownership more accessible for first-time buyers.

Joel Lobb Mortgage Loan Officer

American Mortgage Solutions, Inc. 10602 Timberwood Circle Louisville, KY 40223 Company NMLS ID #1364
Text/call: 502-905-3708 fax: 502-327-9119 email: [kentuckyloan@gmail.com](mailto:kentuckyloan@gmail.com) http://www.mylouisvillekentuckymortgage.com/
submitted by AblePost7537 to MortgageQuestionsKY [link] [comments]


2024.05.15 00:05 about842 In case anyone is looking for a comp to VTOL (Bristow) check out PHIG (PHI GROUP) with catalyst

In case anyone is looking for a comp to VTOL (Bristow) check out PHIG (PHI GROUP)
PHI Group is also in the Helicopter industry (offshore and air medical).
But it is more profitable and has much less debt.
PHI Group is trading at ~25% less of an Enterprise/Sales ratio.
But that difference may end soon as PHIG has filed for an IPO
so that is likely a catalyst.
submitted by about842 to ValueInvesting [link] [comments]


2024.05.14 23:21 Fickle-Menu-9262 Need Advice on Auto Loan / Credit

Hey all,
To make this quick, basically I'm in need of a new car. I'm 24 and made some mistakes when I was younger and my credit took a huge hit. At this point, I've built it up from the low 400s to now I'm at about 595. I would need a co-signer to finance a car simply because I refuse take on a loan at 25% APR. Due to this, my parents are considering co-signing for me however they would need me to refinance in 13 months due to them needing a certain debt/income ratio at that point. Does anyone have any advice or guidance as to what I could expect from refinancing? I have no prior experience with refinancing so I'm not sure how the whole process works?
Any information helps, truly just trying to gather any info I can! Thanks !
submitted by Fickle-Menu-9262 to personalfinance [link] [comments]


2024.05.14 20:36 Difficult-Run-6773 Advice on Re-Balancing Portfolio

Age = 38 years
Family = Self, Wife, Mother
Monthly expenses = 6-8Ls per annum
Total worth = Rs. 2 Cr
Debt : Equity = 95 : 5
Plan to retire = 55 years
95% of my investment is in Fixed Deposits
I understand the rationale behind investments in Fixed Deposits and the impact the inflation creates. Hence, I want to gradually change my Debt to Equity ratio.
I have just started 2 mutual funds -
My idea is over the course of next 3-4 years, as an when my Fixed Deposits mature, I plan to invest this amount in these 2 Index Funds. My aim is to move to the Debt : Equity = 40 : 60 over the period of time. Post that, stick to the ratio till the time I reach 50 years of age.
One school of my thought says that I can break these Fixed Deposits and invest in the Index Funds as early as possible. Just to leverage the magic of compounding. But then my other thought to tells me to do the transition gradually instead of being full scale blown out transition from 95 : 5 to 40 : 60. Staggered lump sums invested over the course of months.
Tried to provide as much info as possible.
What do you think about my strategy from here on?
P.S. - Posting this from a throwaway account because I have lot of Reddit friends.
submitted by Difficult-Run-6773 to personalfinanceindia [link] [comments]


2024.05.14 20:26 thetradershub Uncovering the Foundations of Success: A Guide to Fundamental Analysis

Fundamental analysis is a crucial tool for investors and traders, helping them understand the intrinsic value of a security and make informed decisions. It's a comprehensive approach that evaluates a company's or asset's underlying factors, providing a solid foundation for investment choices. In this blog, we'll delve into the world of fundamental analysis, exploring its key concepts, methods, and applications.
Key Concepts:
  1. Financial Statements: Income statements, balance sheets, and cash flow statements provide insights into a company's financial health and performance.
  2. Financial Ratios: Metrics like earnings per share (EPS), price-to-earnings (P/E), and debt-to-equity help analyze a company's profitability, efficiency, and solvency.
  3. Management and Governance: Evaluating the management team, corporate governance, and industry trends helps assess a company's leadership and strategic direction.
  4. Industry and Market Analysis: Understanding the competitive landscape, market size, and growth potential helps determine a company's positioning and prospects.
  5. Economic and Political Factors: Macroeconomic indicators, government policies, and geopolitical events can impact a company's performance and investment potential.
Methods:
  1. Top-Down Approach: Analyzing the overall economy, industry, and market before focusing on individual companies.
  2. Bottom-Up Approach: Examining individual companies and their fundamentals before considering broader market and economic factors.
  3. Quantitative and Qualitative Analysis: Combining numerical data with subjective judgments to form a comprehensive view.
Applications:
  1. Stock Selection: Identifying undervalued or overvalued stocks based on fundamental analysis.
  2. Portfolio Management: Constructing and adjusting portfolios according to fundamental analysis findings.
  3. Risk Assessment: Evaluating potential risks and opportunities through fundamental analysis.
  4. Investment Decisions: Making informed buy, sell, or hold decisions based on fundamental analysis.
Best Practices:
  1. Use multiple sources and data points to validate findings.
  2. Regularly update and refine analysis to reflect changing circumstances.
  3. Combine fundamental analysis with technical analysis and other tools for a comprehensive approach.
Fundamental analysis provides a solid foundation for investment decisions, helping investors and traders understand the intrinsic value of a security. By mastering fundamental analysis, market participants can make informed choices, manage risk, and uncover hidden opportunities. Remember to stay vigilant, adapt to changing market conditions, and combine fundamental analysis with other tools to achieve success in the markets.
submitted by thetradershub to thetradershub [link] [comments]


2024.05.14 17:46 clark_k3nt AMC Networks (AMCX): The Good, the Bad, and the Ugly from AMCX's Earnings Call

- May 10, 2024
Good:
Bad:
Ugly:
Earnings Breakdown:
Financial Metrics:
Product Metrics:
Source: Decode Investing AI Assistant
submitted by clark_k3nt to EarningsCalls [link] [comments]


2024.05.14 15:31 CreaterOfWheel HR-un, what am I missing here?

The more research I do on HR-UN the less I understand why it is trading at such a huge discount. They have shrunk their office to 15% of total asset and retail to 16% and they are going 85% residential and 15% industrial, trading 60% below NAV, yeild 6.5%, even compared to full office reits like AP it is still trading at a 10 to 15% discount, their debt ratio is one of the lowest in industry, their payout ratio is 52% and they are not shy about buying back shares? while other reits are trading 30% below NAV this odd duckling is trading 60% below nav
what am I missing here?
submitted by CreaterOfWheel to dividendscanada [link] [comments]


2024.05.14 14:32 Remote-Cartoonist460 Mutual Fund Basics, Pros and Cons

Mutual Fund Basics, Pros and Cons
Mutual funds are a popular type of investment vehicle that pools money from many investors to invest in a variety of investment types. This can be an effective way to diversify your portfolio and save for the long term. In this article, we will explore the basics of mutual funds, their types, pros and cons, and how they can help you achieve your financial goals.
https://preview.redd.it/slhsy1kyyd0d1.png?width=1640&format=png&auto=webp&s=1f5114c896c74f947278c839011a32d950d4bd94
A mutual fund is an investment that pools your money with that of many other people who share similar investment goals. Professional money managers use this pool of money to buy securities that can help achieve the mutual fund's specified objectives. Mutual funds may be an appropriate retirement investment because they offer professional management and diversification. However, they are not FDIC insured and involve investment risks, including possible loss of principal and fluctuation in value.
Mutual funds can be categorized into several types, each with its own investment focus:
Equity (Stock) Funds: These funds invest in corporate stocks of publicly traded companies. They can be classified based on company size, industry, sector type, or growth and value potential.
Bond Funds: These consist of debt instruments issued by governments or corporations to raise capital. They often carry less risk than stock funds but may have lower growth potential.
Money Market Funds: These invest in cash or cash-equivalent short-term debt from entities like the government or corporations. They are generally considered low-risk investments.
Hybrid Funds: These funds are comprised of at least two or more asset classes, typically a blend of stocks and bonds. Balanced funds, which invest 60% in stocks and 40% in bonds, are a popular type of hybrid fund.
Investing in mutual funds comes with various advantages and disadvantages:
Pros:
Diversification: Mutual funds allow you to invest in a variety of stocks and bonds from different industries, reducing risk compared to individual securities.
Small Investment Amounts: You can start with smaller contributions that grow over time.
Professional Management: Mutual funds provide professional management, ongoing supervision, and automatic diversification.
Liquidity: Shares can be redeemed on any business day, providing liquidity, and the daily pricing ensures transparency.
Cons:
Potential for Loss: Mutual funds are not FDIC insured and may lose principal and fluctuate in value. Cost: Mutual funds may incur sales charges and high management fees. Tax Implications: Dividends, interest payments, and capital gains are generally taxable, even if reinvested.
When to Start Investing in Mutual Funds
The sooner you start investing in mutual funds, the longer your money can work for you. Regular investing can also make a positive difference over time through a concept known as dollar-cost averaging. This method helps reduce the risks of market timing by investing a fixed amount at regular intervals.
Basics of Investing in Mutual Funds
To start investing in mutual funds, follow these steps: Determine Your Goals: Identify your financial objectives. Evaluate Your Risk Tolerance: Assess how much risk you can handle. Select Suitable Funds: Choose funds that align with your goals and risk tolerance.
Review Prospectuses: Ensure the funds' investment objectives and risk levels match your needs. An Ameriprise financial advisor can help you evaluate your goals and select appropriate funds. Understanding a Mutual Fund’s Performance. To understand mutual fund performance, consider: Past Performance: Historical performance provides context but does not guarantee future results. Turnover Ratio: Indicates the value of a fund’s trades compared to its total assets. Higher turnover ratios may mean higher costs. Operating Fees and Expenses: Includes annual operating fees (expense ratio) and shareholder fees. Higher fees can reduce returns.
Here are some key terms related to mutual funds: Fund Share: Represents a portion of the securities owned by the fund.
NAV (Net Asset Value): The price per share of a mutual fund, calculated by dividing the total value of all securities in the fund's portfolio by the number of shares outstanding.
Total Return: A measure of a fund's performance, including reinvested dividends and capital appreciation. Why Should You Have a Diversified Portfolio? Diversification, or spreading your assets among various investments, can help mitigate risk and volatility. A diversified portfolio increases the chances of achieving long-term growth but does not guarantee a profit or prevent losses.
Mutual funds can be an effective investment option for achieving financial goals through diversification and professional management. However, they come with risks and costs that need to be considered. An Ameriprise financial advisor can help you determine if mutual funds are right for you and assist in selecting the appropriate funds to fit your needs.
If you are interested in a particular type of mutual fund, you can use the Mutual Fund Screener tool to search for it by name or ticker and view a complete list of mutual funds available at Ameriprise Financial.
submitted by Remote-Cartoonist460 to FinanceManual [link] [comments]


2024.05.14 14:01 Zappingsbrew A post talking about 400 words

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palm, pan, panel, panic, pant, paper, paragraph, parent, park, parking, part, participant, participate, participation, particle, particular, particularly, partly, partner, partnership, party, pass, passage, passenger, passion, past, patch, path, patient, pattern, pause, pay, payment, PC, peace, peak, peer, pen, penalty, people, pepper, per, perceive, percentage, perception, perfect, perfectly, perform, performance, perhaps, period, permanent, permission, permit, person, personal, personality, personally, personnel, perspective, persuade, pet, phase, phenomenon, philosophy, phone, photo, photographer, phrase, physical, physically, physician, piano, pick, picture, pie, piece, pile, pilot, pine, pink, pipe, pitch, place, plan, plane, planet, planning, plant, plastic, plate, platform, play, player, please, pleasure, plenty, plot, plus, PM, pocket, poem, poet, poetry, point, police, policy, political, politically, politician, politics, poll, pollution, pool, poor, pop, popular, population, porch, port, portion, portrait, portray, pose, position, positive, possess, possession, possibility, possible, possibly, post, pot, potato, potential, potentially, pound, pour, poverty, powder, power, powerful, practical, practice, prayer, preach, precisely, predict, prediction, prefer, preference, pregnancy, pregnant, preparation, prepare, prescription, presence, present, presentation, preserve, president, presidential, press, pressure, pretend, pretty, prevent, previous, previously, price, pride, priest, primarily, primary, prime, principal, principle, print, prior, priority, prison, prisoner, privacy, private, probably, problem, procedure, proceed, process, processing, processor, proclaim, produce, producer, product, production, profession, professional, professor, profile, profit, program, progress, progressive, project, prominent, promise, promote, prompt, proof, proper, properly, property, proportion, proposal, propose, prosecutor, prospect, protect, protection, protein, protest, proud, prove, provide, provider, province, provision, psychological, psychology, public, publication, publicity, publish, publisher, pull, punishment, purchase, pure, purpose, pursue, push, put, qualify, quality, quarter, quarterback, quarterly, queen, quest, question, quick, quickly, quiet, quietly, quit, quite, quote, race, racial, radiation, radical, radio, rail, rain, raise, range, rank, rapid, rapidly, rare, rarely, rate, rather, rating, ratio, raw, reach, react, reaction, reader, reading, ready, real, reality, realize, really, reason, reasonable, recall, receive, recent, recently, reception, recipe, recipient, recognition, recognize, recommend, recommendation, record, recording, recover, recovery, recruit, red, reduce, reduction, refer, reference, reflect, reflection, reform, refugee, refuse, regard, regarding, regardless, regime, region, regional, register, regular, regularly, regulate, regulation, regulator, reinforce, reject, relate, relation, relationship, relative, relatively, relax, release, relevant, relief, religion, religious, rely, remain, remaining, remarkable, remember, remind, remote, remove, repeat, repeatedly, replace, replacement, reply, report, reporter, represent, representation, representative, Republican, reputation, request, require, requirement, research, researcher, resemble, reservation, resident, residential, resign, resist, resistance, resolution, resolve, resort, resource, respect, respond, response, responsibility, responsible, rest, restaurant, restore, restriction, result, retain, retire, retirement, return, reveal, revenue, review, revolution, rhythm, rice, rich, rid, ride, rifle, right, ring, rise, risk, river, road, rock, role, roll, romantic, roof, room, root, rope, rose, rough, roughly, round, route, routine, row, rub, rubber, rude, ruin, rule, run, running, rural, rush, Russian, sacred, sad, safe, safety, sake, salad, salary, sale, sales, salt, same, sample, sanction, sand, satellite, satisfaction, satisfied, satisfy, sauce, save, saving, say, scale, scandal, scare, scatter, scenario, scene, schedule, scheme, scholar, scholarship, school, science, scientific, scientist, scope, score, scream, screen, script, sea, search, season, seat, second, secondary, secret, secretary, section, sector, secure, security, see, seed, seek, seem, segment, seize, select, selection, self, sell, Senate, senator, send, senior, sense, sensitive, sentence, separate, sequence, series, serious, seriously, servant, serve, service, session, set, setting, settle, settlement, seven, several, severe, sex, sexual, shade, shadow, shake, shall, shallow, shape, share, sharp, she, sheet, shelf, shell, shelter, shift, shine, ship, shirt, shock, shoe, shoot, shooting, shop, shopping, short, shortly, shot, should, shoulder, shout, show, shower, shrug, shut, shy, sibling, sick, side, sigh, sight, sign, signal, significant, significantly, silence, silent, silver, similar, similarly, simple, simply, sin, since, sing, singer, single, sink, sir, sister, sit, site, situation, six, size, ski, skill, skin, skirt, sky, slave, sleep, slice, slide, slight, slightly, slip, slow, slowly, small, smart, smell, smile, smoke, smooth, snap, snow, so, so-called, soccer, social, society, soft, software, soil, solar, soldier, sole, solid, solution, solve, some, somebody, somehow, someone, something, sometimes, somewhat, somewhere, son, song, soon, sophisticated, sorry, sort, soul, sound, soup, source, south, southern, Soviet, space, Spanish, speak, speaker, special, specialist, species, specific, specifically, specify, speech, speed, spend, spending, spin, spirit, spiritual, split, spoil, sponsor, sport, spot, spray, spread, spring, square, squeeze, stability, stable, staff, stage, stain, stair, stake, stand, standard, standing, star, stare, start, state, statement, station, statistical, status, stay, steady, steal, steel, steep, stem, step, stick, still, stimulate, stimulus, stir, stock, stomach, stone, stop, storage, store, storm, story, straight, strange, stranger, strategic, strategy, stream, street, strength, strengthen, stress, stretch, strike, string, strip, stroke, strong, strongly, structural, structure, struggle, student, studio, study, stuff, stupid, style, subject, submit, subsequent, substance, substantial, substitute, succeed, success, successful, successfully, such, sudden, suddenly, sue, suffer, sufficient, sugar, suggest, suggestion, suicide, suit, summer, summit, sun, super, supply, support, supporter, suppose, supposed, Supreme, sure, surely, surface, surgery, surprise, surprised, surprising, surprisingly, surround, survey, survival, survive, survivor, suspect, sustain, swear, sweep, sweet, swim, swing, switch, symbol, symptom, system, table, tactic, tail, take, tale, talent, talk, tall, tank, tap, tape, target, task, taste, tax, taxi, tea, teach, teacher, teaching, team, tear, technical, technique, technology, teen, teenager, telephone, telescope, television, tell, temperature, temporary, ten, tend, tendency, tennis, tension, tent, term, terms, terrible, territory, terror, terrorist, test, testimony, testing, text, than, thank, thanks, that, the, theater, their, them, theme, themselves, then, theory, therapy, there, therefore, these, they, thick, thin, thing, think, thinking, third, thirty, this, those, though, thought, thousand, threat, threaten, three, throat, through, throughout, throw, thus, ticket, tie, tight, time, tiny, tip, tire, tissue, title, to, tobacco, today, toe, together, toilet, token, tolerate, tomato, tomorrow, tone, tongue, tonight, too, tool, tooth, top, topic, toss, total, totally, touch, tough, tour, tourist, tournament, toward, towards, tower, town, toy, trace, track, trade, tradition, traditional, traffic, tragedy, trail, train, training, transfer, transform, transformation, transition, translate, translation, transmission, transmit, transport, transportation, travel, treat, treatment, treaty, tree, tremendous, trend, trial, tribe, trick, trip, troop, trouble, truck, true, truly, trust, truth, try, tube, tunnel, turn, TV, twelve, twenty, twice, twin, two, type, typical, typically, ugly, ultimate, ultimately, unable, uncle, undergo, understand, understanding, unfortunately, uniform, union, unique, unit, United, universal, universe, university, unknown, unless, unlike, until, unusual, up, upon, upper, urban, urge, us, use, used, useful, user, usual, usually, utility, utilize, vacation, valley, valuable, value, variable, variation, variety, various, vary, vast, vegetable, vehicle, venture, version, versus, very, vessel, veteran, via, victim, victory, video, view, viewer, village, violate, violation, violence, violent, virtually, virtue, virus, visibility, visible, vision, visit, visitor, visual, vital, voice, volume, voluntary, volunteer, vote, voter, voting, wage, wait, wake, walk, wall, wander, want, war, warm, warn, warning, wash, waste, watch, water, wave, way, we, weak, weakness, wealth, wealthy, weapon, wear, weather, web, website, wedding, week, weekend, weekly, weigh, weight, welcome, welfare, well, west, western, wet, what, whatever, wheel, when, whenever, where, whereas, whether, which, while, whisper, white, who, whole, whom, whose, why, wide, widely, widespread, wife, wild, wildlife, will, willing, win, wind, window, wine, wing, winner, winter, wipe, wire, wisdom, wise, wish, with, withdraw, within, without, witness, woman, wonder, wonderful, wood, wooden, word, work, worker, working, workout, workplace, works, workshop, world, worried, worry, worth, would, wound, wrap, write, writer, writing, wrong, yard, yeah, year, yell, yellow, yes, yesterday, yet, yield, you, young, your, yours, yourself, youth, zone.
submitted by Zappingsbrew to u/Zappingsbrew [link] [comments]


2024.05.14 10:01 GoblinKing79 Jobs in data analysis or annotation, education, teaching, curriculum design, etc.

Hi! I need (ok, I'm desperate for) a job (even a temporary job is fine) where I can make at least 3000 USD in the next few weeks. I recently quit teaching, but if there's a teaching job that pays now, I'll do it for sure. I was a math and chemistry teacheprofessor (mostly math), and also taught a STEM success class that largely focused on research skills and writing. I also have solid skills in data analysis, item analysis, data annotation and labeling, editing, curriculum design, assessment design, LMS admin ...really anything related to teaching, learning, and data (but I'm not a great coder). My dream job would combine data analysis and education.
I know it's a HUGE ask and likely won't go anywhere. I have a large medical expense (no insurance, but it's necessary) coming up and they want full payment first. Even though I have decent credit (TransUnion, anyway), my debt to income ratio is super high because of all my student loans. So I can't get a personal loan.
If you have/know of anything that sounds like a good fit, please let me know!
submitted by GoblinKing79 to RemoteJobs [link] [comments]


2024.05.14 07:44 MinuteAppropriate400 Looking for clarification on how to access my real estate equity.

I posted this in the questions thread but thought I would post here as well as I'd ideally like to discuss the concept further with whomever is willing to do so.
How do I access my equity most efficiently? I have 4.5m in equity between two triplexes, ~850k in my home that is a teardown. I have 1.3m in a brokerage, 2.5m between Traditional and Roth IRAs. Zero debt. I am 64 and married. I see that HELs often have DTI limits around 50%. I am retired as is my spouse, our gross income is a touch over 30k/m, 10k from rentals, 18k from TBill allocation across investment accounts, there is an additional 5k between pensions and ss. Credit score is above 800.
I want to strategically access my equity to invest into high yield credit when spreads are at extreme levels and pocket the difference between the prime rate and the effective yield (which has been about 8-10% over the last few recessions).
The issue I see is that the internet tells me you can often only access ~50% DTI. Other issue is, as the prime rate moves lower and high yield spreads blow out (when I want to take the trade), my Tbill income will be yielding a lot less, perhaps only 1-2% (or even 0%) as the Fed cuts rates. So my income during that period would only be say ~15k/m. At a DTI of 50%, assuming a prime rate of 5-6% at 30y fixed, I could only access about 1.25-1.4m in equity.
My main concern here is, what do people like myself do who have large amounts of equity relative to their income such that they never come close to 70-80% D/E levels, but they wish to access their equity? Would the bank take into consideration the size of my liquid assets to achieve a higher DTI ratio, or that the loan is being invested into an asset yielding a higher rate than the loan? How exactly do I access more equity?
Thanks plenty for any help and clarification.
submitted by MinuteAppropriate400 to personalfinance [link] [comments]


2024.05.14 06:32 broadcastnewsnetwork India's Government Debt: A Beacon of Safety and Prudence

India's Government Debt: A Beacon of Safety and Prudence
Finance Minister Nirmala Sitharaman has recently highlighted the robust and secure nature of India’s government debt, describing it as “safe and prudent.” In a series of posts on social media platform X (formerly Twitter), Sitharaman emphasized that debt assessments should consider GDP growth, often overlooked in straightforward comparisons of absolute numbers.
Union Finance Minister Nirmala Sitharaman
Sitharaman contrasted the current government’s fiscal management under Prime Minister Narendra Modi with that of the previous Congress-led United Progressive Alliance (UPA). She noted that despite facing the economic challenges posed by the COVID-19 pandemic, the Modi administration has demonstrated superior fiscal discipline.
Addressing the promises made by Congress in its manifesto, Sitharaman questioned the fiscal feasibility of schemes proposed by Congress leader Rahul Gandhi, such as the ‘Khata Khat’ initiatives. Gandhi had promised to transfer ₹1 lakh to one woman in every poor household if Congress wins the elections. Sitharaman challenged this by asking how Congress plans to finance such schemes, whether through substantial borrowing or increased taxes.
She highlighted that India’s debt-to-GDP ratio stood at 81% in 2022, which is significantly lower than that of several major economies. For comparison, Japan’s debt-to-GDP ratio was 260.1%, Italy’s was 140.5%, the USA’s was 121.3%, France’s was 111.8%, and the UK’s was 101.9%. This comparison underscores India’s relative fiscal stability.
Additionally, Sitharaman pointed out that India’s central government debt is predominantly rupee-denominated, with external borrowings accounting for less than 5% of total debt. This structure minimizes India’s exposure to exchange rate volatility. She recalled that the central government’s debt as a percentage of GDP was reduced from 52.2% in 2013–14 to around 48.9% in 2018–19 through fiscal consolidation efforts. During this period, the fiscal deficit was also reduced from 4.5% in FY14 to 3.4% in FY19.
However, the fiscal deficit surged to 9.2% of GDP in 2020–21 due to the pandemic and necessary government interventions to protect lives and livelihoods, increasing the central government’s debt to 61.4% of GDP. Post-pandemic, the Modi government has adopted a balanced approach to fiscal consolidation while maintaining economic growth, reducing the fiscal deficit to 5.8% in the Revised Estimates for FY24.
In conclusion, Sitharaman’s detailed breakdown underscores the prudent management of India’s government debt, emphasizing the country’s strong fiscal position relative to other major economies. The current administration’s focus on fiscal consolidation and economic growth post-pandemic showcases a commitment to maintaining financial stability while fostering development.
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2024.05.14 03:50 snoopyvibes Is paying off student loans quick dumb?

I have about $19k in student loans (if you include interest, principal balance is under $18.8k). I want to start making additional payments on them to get rid of them quicker. I hate having them linger and can financially afford additional payments.
I do have 2 savings accounts - one for vacations/fun things and the other has enough to cover an emergency fund + savings for eventually a down payment on a house. Even with the additional payments, I am able to put money into savings still monthly.
Whenever I mention wanting to pay student loans off quicker, everyone lectures me about it being a poor financial decision. They keep saying the US government will forgive loan balances and I’m basically throwing money away. My main intent on paying them off is it’s my only debt left and I want to lower my debt to income ratio for a future mortgage.
My question is - am I stupid for paying them off? I’ve lowered my balance already by $2k this year. It’s an alarming number of people in my life who keep saying to stop making extra payments so I want to hear other opinions. Thanks!
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2024.05.14 01:44 itsmejennybee Guaranteed USDA loan

Hi all! First time buyer here. Looking at the guaranteed USDA loan. Right now my fico 8 credit score is well above the required 640 but when looking at my mortgage FICO (2,4,5) I almost had a heart attack and it’s showing in the low 600s high 500s due to medical collections I had from 2019. When on the USDA site it says that credit is not required but other sections say 640. I don’t want to bother applying if it’s a hard inquiry all for nothing. My income to debt ratio isn’t too bad but because of credit I’m worried about high interest rates. Currently make 108k and my husband makes 55k and we have 5 children. Anyone use a usda loan with DPA to pay down the amount owed for a lower mortgage? The cheapest 4 bedroom houses we can find even in rural areas is 450-500k so our mortgage would put us in the high 3000s. Currently in Washington state. Thanks for anyone’s input I am so lost at where to even start
submitted by itsmejennybee to FirstTimeHomeBuyer [link] [comments]


2024.05.14 00:33 paperplanevacay How to maximize value of totaled car settlement

Hi all, first time here so trying my best to post how the wiki allows. I’m hoping to turn a not great situation into a better one. Just totaled my car (not at fault, originally paid in full) and received a $24k lump sum settlement to replace my vehicle. I am young and have previously been very financially irresponsible, so I have no real savings and also extensive personal and credit card debt: ~$9k on credit cards (23% interest) and an amortized personal loan payment of $250/mo for the next 3.5 years. But I’ve been making steady progress to building better credit! The new car I want is $28k, and used cars are priced pretty poorly in my area right now. Considering financing, but I have a 665. Planning to pay off car before term loan ends regardless of how I finance. Here’s what I’m thinking:
Option A Finance the car with a down payment of up to $14k. Immediately pay off credit cards, leaving about $9k to put toward monthly payments on the car. This frees up ~$200/mo that would’ve gone toward credit card payments anyway. After that, I can dedicate an additional $150-$200 of monthly income toward any new car payment.
Option B Finance the car with a down payment of up to $14k, but immediately invest up to $5000 in index funds for a year to avoid short term gain tax and hopefully get an easy >6% return to put into the car.
What are your thoughts on these? Also is that a good down payment ratio? Any advice is appreciated on the car buying process, building good credit, etc. Thanks guys!
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2024.05.13 21:54 Nananaaaa73 DDM

DDM
Hello, does anyone know why they take retained earnings of 2022 rather than 2023?
submitted by Nananaaaa73 to CFA [link] [comments]


2024.05.13 21:36 Pasta_Palace Should I declare mom's loan for a mortgage

Still in early stages of researching and trying to understand the debt part of the debt to income ratio here. Quick facts I make 130k gross(6785 monthly post taxes), credit 759, savings for a down payment 15k in a hysa(working on bumping it up).On the debt side I never carry a balance on credit cards, I have a car payment for 500 and one student loan in my name 144 a month. Im thinking I will go for a 250-300k house in the area im looking at.
My mom has a much larger parent plus loan thats 388 a month, she's retired now and I have been comfy enough to take over the payments since they kicked back in after covid. I don't want to 'hide' this loan but it obviously doesn't impact my good credit score at the moment, and I assume if we transfer that loan to my name before applying for a mortgage it would have a negative hit on my score/potential interest rates? Should I declare the loan in application or have her pay until after we are settled in the house so it doesn't clog things up? Does it even impact this negatively for me to declare it? It feels shady but I need to move closer than I am at the moment to help out like this year if possible and im not sure what's best for me in an scary housing market I've avoided entering for years. I am also considering renting again if necessary but I have an unbeatable situation rentwise and have two dogs which makes it really tough to find a better place anywhere else
submitted by Pasta_Palace to FirstTimeHomeBuyer [link] [comments]


2024.05.13 21:02 miketrrr Considering a Rental Property Partnership with Family Member

Hey everyone,
I'm currently in a unique situation and could really use some advice and insights from the rental property community. Here's the scenario:
My brother is interested in purchasing our recently deceased grandmother's home from the family. It's a larger property but needs significant renovations. He's keen on buying it, utilizing the equity from his current home for renovations, and eventually getting into rental property investing. However, the bank has informed him that his debt-to-income ratio wouldn't allow him to own two homes simultaneously.
On my end, I've been contemplating entering the rental real estate market for a while now and have saved up a decent down payment. To mitigate current market risks, including high interest rates and somewhat inflated property values, I'm considering proposing a rental property partnership with my brother, with the creation of an LLC.
I'm seeking advice on whether partnering with a family member for a rental property is a good idea, and if so, how best to structure this arrangement. What factors should I consider, and what potential pitfalls should I watch out for?
Any insights, experiences, or tips would be greatly appreciated. Thanks in advance for your help!
submitted by miketrrr to RentalInvesting [link] [comments]


2024.05.13 17:00 Ok-Professor5193 Unsure what to do

I’m financially drowning. I have $35000 in credit card/personal loan/auto loan debt that I’ve started to fall behind on. My overall income is usually about $3500 per month with my bills coming in at around $3000 per month. This isn’t including things like groceries and other necessities. I just found out my car needs a new transmission that would cost me a few grand and a few weeks to repair so I can’t drive. No savings. No 401k. I am self employed for less than 2 years so more loans are incredibly hard to impossible for me to get even if it wasn’t for my high debt to income ratio.
I have 2 new business ideas that could could help me bring in more income but one of them I would not consider doing without an LLC and the other ideally wouldn’t be done without an LLC but I could. The only issue with that is, I would need a few grand in start up funds. I could get an LLC but I literally can’t afford the couple hundred dollars it costs to have one made.
I thought about getting a normal job either full or part time just to get by but my wife works retail with changing and unpredictable hours and we have a 4 month old baby that we rotate taking care of. We also can’t afford childcare for her because of my financial situation.
I’ve known for a few months now my financial situation has been not looking good but after finding out my car is not drivable with $11000 owed on the loan was my tipping point into desperation.
I went to a rental place today so I could try to get a car (using my wife’s credit card, which I feel absolutely terrible about but mine are maxed out) and when I got there they told me it would be a two hour wait which would be too long for me to be home in time to watch my child. This was the cherry on top of it all because I can’t run my current business at all without a car so I’ve had no income for the past few days.
Any advice on how I could even slightly improve my financial situation would be incredibly appreciated. I feel like this is taking a toll on my mental health and marriage. I need any assistance I can get.
submitted by Ok-Professor5193 to LifeAdvice [link] [comments]


2024.05.13 16:59 ComfortableOil8349 Analysis of Main Street Capital's ($MAIN) Q1 2024 Earnings: Key Highlights and Future Outlook

In the recent Q1 2024 earnings call, Main Street Capital (MAIN) unveiled several critical financial and operational details, affirming their robust position in the market. Here's a breakdown of the significant points:
Earnings and Dividends: Main Street Capital demonstrated impressive earnings, with dividends for Q1 at $1.02 per share, boosted by a $0.30 supplemental dividend. This reflects a 20% increase year-over-year. Looking ahead to Q2, dividends remain steady at $1.02 per share, marking a 13% increase from the previous year, with a slight bump in monthly dividends for Q3 to $0.245 per share.
Portfolio Performance: The lower middle market segment saw appreciable net fair value gains, underscoring strong company performances. Conversely, the private loan segment faced fair value depreciation due to a few lagging investments, contributing to $12.8 million in net realized losses for the quarter.
Financial Metrics: The company reported a net asset value (NAV) of $29.54 per share at the end of Q1, up $0.34 from the previous quarter and an 8.5% increase year-over-year. MAIN maintains a healthy debt to equity leverage of 0.7 and an asset coverage ratio of 2.4.
Investment Strategy: MAIN's permanent capital structure is a strategic benefit, fostering long-term partnerships with privately held businesses and offering an edge over traditional private equity funds, especially in competitive environments.
Market Conditions and Outlook: Despite yield compression in some segments due to broader market movements, management remains optimistic about MAIN's strong operational results and future prospects.
Source: https://earnings-summary.streamlit.app/?c=reddit&t=MAIN
With MAIN's strategic focus on long-term partnerships and a robust dividend increase, what are the potential risks and opportunities investors should consider for the remainder of 2024?
submitted by ComfortableOil8349 to dividends [link] [comments]


2024.05.13 16:40 junkiegite Wayfair $W up 50% since releasing crap earnings 10 days ago

Wayfair $W up 50% since releasing crap earnings 10 days ago
This is probably the worst mid-large cap company fundamentally after $CVNA.
It's been around since 2002 and public since 2014. For the last 10 years, it has never made a profit outside of the pandemic period when everybody had to buy furniture to work from home.
https://www.macrotrends.net/stocks/charts/W/wayfaieps-earnings-per-share-diluted
This is a common story for growth companies, right? That might be true before 2020 when their revenue grew 50% every year despite record losses. Now their latest earning highlights:
  • Total net revenue of $2.7 billion, decreased $45 million, down 1.6% year over year
  • Net loss was $248 million
  • Diluted loss per share was $2.06
And this is after sacking 13% of their workforce.
Equity is negative 2.8B, current ratio 0.78, with a 9.2B market cap. They are only still around because they managed to get cheap debt during Covid:
https://preview.redd.it/nm9fxc3rf70d1.png?width=796&format=png&auto=webp&s=b702c47658f50632b9001d2d36b4f6f8a7220def
2024 is not a problem but there's a debt wall coming in 2025:
https://preview.redd.it/sjzo5gqkg70d1.png?width=448&format=png&auto=webp&s=7bc74e513f7c7a4c0bc75469da024d48f2f9859d
True value of this company is ZERO!
submitted by junkiegite to VampireStocks [link] [comments]


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