Most people think of personal debt as a bad thing. But if you’re going to live in the real world, you need to know how to get out of debt and how much personal debt is acceptable. Living in a home, using public utilities, and driving a car open you to a certain amount of perso...
You have just graduated from college. You have taken on financialresponsibilities that until...By PorterSylvia
The gearing ratio is an indicator of the financial risk associated with a company. If a company has too much debt, it has the potential to fall intofinancial distress. Remember: A high gearing ratio shows a high proportion of debt to equity, while a low gearing ratio shows the opposite. ...
For example, it's generally not acceptable to ask someone how much they earn. 例如,问某人赚多少钱一般是不可接受的。 However, people talk about money all the time; in this lesson you'll see how to talk about money in a natural way in English. 然而,人们总是在谈论金钱;在这节课中,大家...
Approval is determined by a borrower’s credit rating and income or other considerations. This includes collateral, assets, or how much debt they already have. There are several ways to ensure approval, including cutting the totaldebt-to-income(DTI) ratio. An acceptable DTI ratio is 36% or ...
Your approval depends on the mortgage amount, your debt-to-income ratio, credit score, and other factors. However, you need to prove that you have a stable income that’s sufficient to cover the mortgage payments, property taxes, and homeowner’s insurance. How much income is needed for a...
Banking is one of the highly regulated sectors of the economy worldwide. Governments use their regulatory authority to ensure that banking customers are not using banks to perpetrate financial crimes and that banks have acceptable risk profiles to avoid large-scale defaults. Banks usually maintain an...
The most common factors that lenders consider is your good credit score, steady employment and an acceptable debt-to-income ratio, says Martinez. "Some lenders may also require a minimum age, citizenship or residency status, and a valid ID," she added. In most cases, lenders share general ...
How much does a VA loan cost? VA loans have favorable terms when compared to many other types of mortgages. However, they still come with various costs. Here's what you can expect: The VA funding fee: The VA charges a funding fee that ranges from 0.5% to 3.6% of your loan amount....
Negotiating a higher salary may make you feel like you're overstepping or asking for too much. But the reality is that standing up for what you deserve is perfectly acceptable and even expected in the workplace. Getty Images Many employers anticipate job applicants and current employees...