Many lenders use different interest rates, such
as factor rates or simple interest rates, to express the cost of a loan, and many times these rates do not include additional fees that a borrower will pay over the lifetime of the loan (e.g., origination fees, service fees, etc.).
This percentage is frequently displayed
as a factor rate, which would equivalently be 1.20 — 1.40.
Instead of an APR, the company quotes rates for its working capital loans
as a factor rate.
Due to the short length of the loan, fees on both loan products are expressed
as a factor rate rather than an APR..
Credibly, like most short - term lenders, expresses the interest payment for working capital loans and merchant cash advances
as a factor rate, which can be deceiving because it looks much lower than an annual percentage rate (APR).
This percentage is frequently displayed
as a factor rate, which would equivalently be 1.20 — 1.40.
Not exact matches
The company then asked them what the easiest way to understand the interest
rate and other fees involved with the loan would be —
as an APR, a
factor rate, or
as a total payback amount.
Important
factors that could cause actual results to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost of accommodating, announced increases in the build
rates of certain aircraft; 6) the effect on aircraft demand and build
rates of changing customer preferences for business aircraft, including the effect of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals
as a result of global economic uncertainty or otherwise; 8) the effect of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange
rates; 9) the success and timely execution of key milestones such
as the receipt of necessary regulatory approvals, including our ability to obtain in a timely fashion any required regulatory or other third party approvals for the consummation of our announced acquisition of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts of terrorism; 14) any adverse impact on the demand for air travel or our operations from the outbreak of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension plan assets and the impact of future discount
rate changes on pension obligations; 17) our ability to borrow additional funds or refinance debt, including our ability to obtain the debt to finance the purchase price for our announced acquisition of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect of governmental laws, such
as U.S. export control laws and U.S. and foreign anti-bribery laws such
as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect of changes in tax law, such
as the effect of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect of such changes; 21) any reduction in our credit
ratings; 22) our dependence on our suppliers,
as well
as the cost and availability of raw materials and purchased components; 23) our ability to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate for our additional capital needs or for payment of interest on, and principal of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest
rates increase substantially; 27) the effectiveness of any interest
rate hedging programs; 28) the effectiveness of our internal control over financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and other business disruptions for ourselves and Asco
as a result of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks of doing business internationally, including fluctuations in foreign current exchange
rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among other things.
That's a significant finding,
as the Bank of Canada and the Finance Department also will be discussing how financial stability should
factor in interest -
rate decisions.
Such
factors include, among others, general business, economic, competitive, political and social uncertainties; the actual results of current and future exploration activities; the actual results of reclamation activities; conclusions of economic evaluations; meeting various expected cost estimates; changes in project parameters and / or economic assessments as plans continue to be refined; future prices of metals; possible variations of mineral grade or recovery rates; the risk that actual costs may exceed estimated costs; failure of plant, equipment or processes to operate as anticipated; accidents, labour disputes and other risks of the mining industry; political instability; delays in obtaining governmental approvals or financing or in the completion of development or construction activities, as well as those factors discussed in the section entitled «Risk Factors» in the Company's Annual Information Form for the year ended December 31, 2017 dated March 15
factors include, among others, general business, economic, competitive, political and social uncertainties; the actual results of current and future exploration activities; the actual results of reclamation activities; conclusions of economic evaluations; meeting various expected cost estimates; changes in project parameters and / or economic assessments
as plans continue to be refined; future prices of metals; possible variations of mineral grade or recovery
rates; the risk that actual costs may exceed estimated costs; failure of plant, equipment or processes to operate
as anticipated; accidents, labour disputes and other risks of the mining industry; political instability; delays in obtaining governmental approvals or financing or in the completion of development or construction activities,
as well
as those
factors discussed in the section entitled «Risk Factors» in the Company's Annual Information Form for the year ended December 31, 2017 dated March 15
factors discussed in the section entitled «Risk
Factors» in the Company's Annual Information Form for the year ended December 31, 2017 dated March 15
Factors» in the Company's Annual Information Form for the year ended December 31, 2017 dated March 15, 2018.
They
factored in information that includes women's unemployment
rate and average housing costs
as a percentage of a full - time working woman's income.
Insurance
rates depend on a number of
factors, such
as the driver's history and geographic location.
These macroeconomic
factors might not keep the mania in full flight, but they can serve
as an offset to rising mortgage
rates and help prevent the market from cratering.
Let's break down what an alternative finance provider needs to cover within that 30 to 40 percent
factor rate (technically, this is a discount
rate, which is present value cash versus future payout, rather than an interest
rate), so
as to come out ahead.
As I see it, there's a handful of components that add up to the 30 to 40 percent
factor rates on MCAs.
Traditionally, interest
rates are interpreted
as a
factor that pushes currencies upwards
as they tend to bring higher inflows to the region.
Environment takes into account both physical and emotional
factors, and the average number of hours worked each week; income considers mid-level salary and growth potential; outlook measures potential for employment growth and income growth,
as well
as unemployment
rates; and stress takes into account 11 different
factors including travel, deadlines, and interaction with the public.
Factors such
as literacy and education
rates, health and survival
rates, women's participation in government and more are correlated with pay gaps in different countries.
The labor force participation
rate has fallen due to cyclical
factors such
as workers temporarily dropping out of the workforce because of discouragement over job prospects, but also due to structural forces such
as the Baby Boomers reaching retirement age and younger workers staying in school longer.
The damage includes
factors like a rise in mortality
rates as health and safety systems fail, a decline in trade
as ports shut down and transportation chaos
as infrastructure collapses.
Another
factor to keep in mind is that recreational property hasn't benefited from low interest
rates as much
as primary residences.
Such risks, uncertainties and other
factors include, without limitation: (1) the effect of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including financial market conditions, fluctuations in commodity prices, interest
rates and foreign currency exchange
rates, levels of end market demand in construction and in both the commercial and defense segments of the aerospace industry, levels of air travel, financial condition of commercial airlines, the impact of weather conditions and natural disasters and the financial condition of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among other things integration of acquired businesses into United Technologies» existing businesses and realization of synergies and opportunities for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability of credit and
factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various
factors, including market conditions and the level of other investing activities and uses of cash, including in connection with the proposed acquisition of Rockwell; (7) delays and disruption in delivery of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits of organizational changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and industries; (12) the outcome of legal proceedings, investigations and other contingencies; (13) pension plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of changes in political conditions in the U.S. and other countries in which United Technologies and Rockwell Collins operate, including the effect of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange
rates in the near term and beyond; (16) the effect of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to
as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.
Adjusted EPS for 1Q18 was affected by the same
factors impacting Adjusted pretax income,
as well
as a lower number of shares and lower tax
rate used to compute EPS
as discussed above.
Projections involve numerous assumptions such
as rental income (including assumptions on percentage rent), interest
rates, tenant defaults, occupancy
rates, foreign currency exchange
rates (such
as the US - Canadian
rate), selling prices of properties held for disposition, expenses (including salaries and employee costs), insurance costs and numerous other
factors.
As of December 2016, a baseline Atlas 5 rocket launch was selling for about $ 109 million, though satellite operators can make up at least half that cost by getting more favorable insurance
rates and other
factors, including an on - time launch, ULA has said.
Here are the top 10 pizza chains from Entrepreneur's Franchise 500 list,
as measured by such
factors as financial strength and stability, growth
rate, breadth, experience and startup costs.
The full survey
factors in a metro area's current vacancy
rates and workforce salaries
as well
as Amazon's plan to employ 50,000 of its own people in HQ2.
Based on three
factors — the number of job openings, earnings potential
as measured by median base salary, and the
rating of the career opportunity — Glassdoor compiled a list of the «best» jobs in America this year.
As such, we believe management's financial discipline in expanding by acquisition will be a key
factor in maintaining the investment - grade
rating.
Brainard acknowledged that certain
factors driving down inflation, such
as a drop in cellphone
rates, are transitory.
Instead of clearly presenting a true Annual Percentage
Rate (APR), they might obscure their pricing as a general «rate,» «factor rate,» or «cost.&ra
Rate (APR), they might obscure their pricing
as a general «
rate,» «factor rate,» or «cost.&ra
rate,» «
factor rate,» or «cost.&ra
rate,» or «cost.»
The city still needs to work on hiring of new employees, however,
as respondents
rated this
factor lower in 2015 than in the previous two years.
Depending on the borrower's credit and other
factors such
as business experience,
rates can range between 12 and 18 percent.
There are worrying social impacts downstream
as a result of these
factors: a lowered marriage
rate, more adult children cohabiting with their parents, a reduction in the birthrate, and young people holding off on major life events such
as starting relationships or home ownership.
Rates are based on
factors such
as the cost of the wedding, with coverage kicking in to cover nonrefundable costs related to natural disasters
as well
as other wedding woes, such
as a vendor going out of business.
One in three borrowers (34 percent) correctly identified market forces
as the determining
factor for
rates on private student loans and student loan refinancing.
Choonsung Shin, a Korean technology researcher who has examined problematic smartphone usage in both Korea and the U.S., says cultural differences could affect smartphone addiction
rates, but he notes that
factors such
as a person's age, gender and occupation are also likely to play a role.
Stress,
as defined by the Jobs
Rated methodology, is determined by 11
factors: travel, deadlines, working in the public eye, competitiveness, physical demands, environmental conditions, hazards encountered, the life of oneself or others at risk, meeting and interacting with customers and / or the public, and the potential for job growth.
0.0 % intro APR on purchases and balance transfers for 15 months, then a variable
rate, currently 12.74 %, 16.74 % or 20.74 %, based on your creditworthiness and other
factors as determined at the time of account opening.
He points to a stronger dollar, fiscal retrenchment in the European Union, improving equity market confidence, and an exit strategy from the Federal Reserve forecasting a federal funds
rate hike well before late 2014
as significant
factors driving gold lower.
If the difference is closer to 3 %, then the variable -
rate loan may be a better choice (depending on the borrower's unique circumstances and taking into consideration the
factors discussed above such
as term length and loan amount).
But due, in part, to
factors such
as mounting trade unknowns, Poloz has not raised the
rate since January.
Businesses are allocated a specified maximum amount of capital available to them through a lender based off certain
factors such
as current cash flow and business credit
rating.
Another historical
factor in deteriorating credit quality — rising interest
rates, which make some loans more expensive to repay — is absent in this cycle,
as the Federal Reserve appears unlikely to raise
rates again either this year or in 2017, according to Morgan Stanley's economists.
Enter the value
factor As we noted in our November Investment Directions, in periods of rising interest
rates and benchmark bond
rates, value has tended to outperform.
Factors taken into account when assigning this
rating include the ease of enrolling in the program; the fees, if any, of investing through the DRIP; the availability of special services, such
as IRAs and automatic investment services; and the frequency of purchases with optional cash investments.
The NAV (net asset value) of a bond fund will move up or down based on a number of
factors such
as changes in interest
rates, credit quality, and currency values (for international bonds) for the different bond holdings in the fund.
A number of
factors — such
as rising US interest
rates, the recurrence of big fluctuations in global currencies, and the widening dispersion of equity returns across sectors and regions — may have helped to create an increasingly conducive environment for hedge - fund strategies, which have seen a positive turnaround in performance in recent quarters.
This is a huge
factor for my calculations becuase while my marginal
rate is 25 % (federal) right now, I expect my average
rate to be < 10 %
as I plan on keeping my income needs very small.
Local SEO also thrives on customer interaction,
as customer reviews and
ratings are
factored into local search ranking.