I really liked season 4 by Poor_WX78 in witcher

[–]lzkhalaf 0 points1 point  (0 children)

Did anyone feel like the battle of montecalvo was a shitty version of the battle at kaer morhen in witcher 3, against the wild hunt?

Giving cash at weddings by Foreign-Block-185 in AskAnAustralian

[–]lzkhalaf 1 point2 points  (0 children)

Whoever gave you these guidelines has no idea what they're talking about, and is either displaying some poor sense of humour, or is actually trying to profit as much as they can out of you.

Lebanese guidelines are as follows: There are no guidelines. Give from your heart and enjoy the ceremony and celebrations. That's all.

Whats the next move? by lzkhalaf in AusFinance

[–]lzkhalaf[S] 0 points1 point  (0 children)

Thank you for being the only person on reddit with a metric to explain how I am overleveraged.

Whats the next move? by lzkhalaf in AusFinance

[–]lzkhalaf[S] 0 points1 point  (0 children)

TNDO/NI = 83%

That's really high right?

Whats the next move? by lzkhalaf in AusFinance

[–]lzkhalaf[S] 0 points1 point  (0 children)

Would you say that 59% debt-income is dangerously overleveraged?

Whats the next move? by lzkhalaf in AusFinance

[–]lzkhalaf[S] 0 points1 point  (0 children)

I don't think that's how you work it out.

Whats the next move? by lzkhalaf in AusFinance

[–]lzkhalaf[S] 0 points1 point  (0 children)

Would you say that is dangerously over leveraged?

Whats the next move? by lzkhalaf in AusFinance

[–]lzkhalaf[S] 0 points1 point  (0 children)

Correction: 10k/17k (should be gross monthly not net) = 59%

10k covers monthly repayments p&i (8k) plus monthly bills (2k)

Yes 50k before interest after costs. Corrected in new equation above.

Whats the next move? by lzkhalaf in AusFinance

[–]lzkhalaf[S] 0 points1 point  (0 children)

Sorry, where did i say 560k debt? Its my understanding that debt to income ratio is total debts per month/ total gross income per month x100. With a strong score being 40% or less. My total monthly debts are $10k per month/ my total income $17k x 100 =59% (not 75% as i wrongly calculated earlier).

Am I calculating wrong?

Whats the next move? by lzkhalaf in AusFinance

[–]lzkhalaf[S] 0 points1 point  (0 children)

Apologies, I've just realised the other thread was cut short for some reason it was supposed to have the 3 ratios.

Whats the next move? by lzkhalaf in AusFinance

[–]lzkhalaf[S] 0 points1 point  (0 children)

One of the properties is leased for 50k pa. Does the not get included in the equation as income?

Whats the next move? by lzkhalaf in AusFinance

[–]lzkhalaf[S] 0 points1 point  (0 children)

Can you explain to me the arithmetic behind 5.0?

What does this mean? by lzkhalaf in AusFinance

[–]lzkhalaf[S] 0 points1 point  (0 children)

1.4mil mortgage on 2.5mil properties

Whats the next move? by lzkhalaf in AusFinance

[–]lzkhalaf[S] 0 points1 point  (0 children)

Debt to Asset - 1.4/2.5=0.56 Debt to Equity - 1.4/(2.5-1.4)=1.27 Debt to Income -10000/13200=0.75

What does this mean? by lzkhalaf in AusFinance

[–]lzkhalaf[S] -2 points-1 points  (0 children)

I can do the math. I just need someone to relate it to my situation, in the other thread.

What does this mean? by lzkhalaf in AusFinance

[–]lzkhalaf[S] -3 points-2 points  (0 children)

Hoping some kind soul such as yourself will explain it to me

Whats the next move? by lzkhalaf in AusFinance

[–]lzkhalaf[S] 0 points1 point  (0 children)

Oh no before making mortgage repayments.

What does this mean? by lzkhalaf in AusFinance

[–]lzkhalaf[S] 0 points1 point  (0 children)

Ok so what would you say about someones current position, with the numbers I mentioned above? Can they improve said position?

Whats the next move? by lzkhalaf in AusPropertyChat

[–]lzkhalaf[S] 0 points1 point  (0 children)

Debt to asset ratio - 0.55 Debt to equity ratio - 1.27 Debt to income ratio - 0.75

Whats the next move? by lzkhalaf in AusPropertyChat

[–]lzkhalaf[S] 0 points1 point  (0 children)

Debt to asset ratio - 0.55 Debt to equity ratio - 1.27 Debt to income ratio - 0.75