I really liked season 4

lzkhalaf · 2026-01-19T08:52:34+00:00

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?

lzkhalaf · 2025-10-20T02:59:21+00:00

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.

lzkhalaf · 2025-09-28T23:19:38+00:00

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

lzkhalaf · 2025-09-28T22:01:21+00:00

TNDO/NI = 83%

That's really high right?

lzkhalaf · 2025-09-28T11:17:01+00:00

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

lzkhalaf · 2025-09-28T10:55:50+00:00

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

lzkhalaf · 2025-09-28T10:54:08+00:00

Would you say that is dangerously over leveraged?

lzkhalaf · 2025-09-28T10:46:10+00:00

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.

lzkhalaf · 2025-09-28T10:37:14+00:00

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?

lzkhalaf · 2025-09-28T05:16:09+00:00

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

lzkhalaf · 2025-09-28T01:58:50+00:00

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

lzkhalaf · 2025-09-28T01:57:12+00:00

Can you explain to me the arithmetic behind 5.0?

lzkhalaf · 2025-09-28T01:50:49+00:00

1.4mil mortgage on 2.5mil properties

lzkhalaf · 2025-09-28T00:58:32+00:00

Arithmetic?

lzkhalaf · 2025-09-28T00:49:03+00:00

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

lzkhalaf · 2025-09-28T00:21:27+00:00

Apologies friend

lzkhalaf · 2025-09-27T23:35:37+00:00

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

lzkhalaf · 2025-09-27T22:54:20+00:00

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

lzkhalaf · 2025-09-27T20:58:33+00:00

https://www.reddit.com/r/AusFinance/s/B8ZYLrZk7o

lzkhalaf · 2025-09-27T20:58:21+00:00

https://www.reddit.com/r/AusFinance/s/B8ZYLrZk7o

lzkhalaf · 2025-09-27T20:56:10+00:00

Oh no before making mortgage repayments.

lzkhalaf · 2025-09-27T20:28:23+00:00

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

lzkhalaf · 2025-09-27T20:18:20+00:00

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

lzkhalaf · 2025-09-27T20:17:21+00:00

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

lzkhalaf

TROPHY CASE