A debt-to-income ratio is a personal finance measure that compares the amount of debt you have to your gross income. Lenders use the debt-to-income ratio as a way to measure your ability to manage the payments you make each month and repay the money you have borrowed. It is calculated by dividing your total recurring monthly debt by your gross monthly income.
Instant messaging, often shortened to simply IM or IMing, is the exchange of text messages through a software application in real-time. Generally included in the IM software is the ability to easily see whether a chosen friend, co-worker or buddy is online and connected through the selected service.
For other uses, see Computer (disambiguation) and Computer system (disambiguation). A computer is a device that can be instructed to carry out an arbitrary set of arithmetic or logical operations automatically. The ability of computers to follow a sequence of operations, called a program, make computers very applicable to a wide range of tasks. Such computers are used as control systems for a very wide variety of industrial and consumer devices.