«The reality is, they are going to look
at the credit rating of a rehabilitated city.
«The same thing holds with bonds — so you have to look
at the credit rating of the issuer, [which can indicate] whether it can keep its promise [to pay you back with interest].»
Credit risk can be measures by looking
at credit rating of the portfolio.
Best of all, it allows you to transfer
at a credit rate of 1:1.
Not exact matches
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.
•
Credit card delinquency rates remain low, at only 0.87 per cent of total outstanding balances as of April 2016, while credit card debt only makes up five per cent of total household debt in C
Credit card delinquency
rates remain low,
at only 0.87 per cent
of total outstanding balances as
of April 2016, while
credit card debt only makes up five per cent of total household debt in C
credit card debt only makes up five per cent
of total household debt in Canada.
This paper, however, proposes a different approach: Before pressing the overdrive button on money printing presses, Tokyo might wish to take a careful look
at why the last 15 years
of ultra-loose
credit policies failed to move the economy closer to its estimated potential growth
rate of 1.5 percent.
Welby said he will create new
credit unions to become pillars
of community — and offer loans
at rates significantly lower than Wonga's.
Fortunately, thanks to new offerings, business owners who balk
at the idea
of letting their businesses influence their personal
credit ratings now have other options, such as debit cards or secured cards.
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.
Commercial lending to businesses by banks is rising
at a
rate that far outpaces the loans they're making for mortgages and home equity lines
of credit, but you wouldn't necessarily know that from speaking to some
of the smallest businesses in the U.S.
Not only do
credit cards have fraud protections in place in the event
of theft, but they also offer some
of the best currency exchange
rates around — much better than you'd get changing bills
at a bank or exchange kiosk.
Not only isn't there anywhere near enough bank capital in the US to supplant securitization, it is difficult to conceive that the universe
of «
rates» buyers will become mortgage
credit buyers or move over to covered bonds (which default to the issuing bank's
credit ratings),
at least not
at the same price levels and in the same size.
If FUBU had failed, he explained,
at least he wouldn't have run up huge debts just to live, and run the risk
of going bankrupt personally or ruining his
credit rating.
When the analyst, who requested anonymity because what she did is illegal, returned to Venezuela, she sold the dollars
at the street
rate of 29 - to - 1, enough to pocket 25,000 bolivars after paying off her
credit card and travel expenses.»
That would put retailers, telecom, industrial services, utilities, retail staples, and health - care equipment and services
at the front
of the line, as each has an effective
rate above 30 percent, according to
Credit Suisse.
The recent popularity
of junk goes counter to multiple warnings from Wall Street experts who believe the sector is in trouble due to looming interest
rate hikes and declining earnings for companies particularly
at the lower end
of the
credit spectrum.
Complete
ratings information is available to subscribers
of RatingsDirect on the Global
Credit Portal
at
More from Balancing Priorities: What to do with your bond portfolio as Fed
rates rise
Credit scores are set to rise Don't make these money mistakes when you're just starting out «There is no sense in bearing the risk
of an adjustable
rate when you can lock in a fixed
rate at essentially the same level,» he said.
Earlier today, the
credit ratings agency Moody's noted that China's total debt has climbed to 280 %
of gross domestic product, including China's state - owned company liabilities that totalled 115 %
of GDP
at the end
of last year.
In 2001, Republicans addressed the politics
of taxes by making big cuts across the board: an expanded child
credit for low and moderate earners, a new lower tax bracket
at the bottom, plus cuts in regular and capital income - tax
rates for those
at the top.
Credit cards and ATMs can be handy, but their convenience usually comes
at the cost
of lousy exchange
rates or hefty fees.
If Beijing continues to allow
credit to grow
at roughly 20 %
of GDP in 2014 (the average
rate for the last five years) and if most
of the newly created
credit is ploughed into investment, this will show that, for all its rhetoric, the new leadership does not have the stomach for reform.
Cash America, for example, offers a «line
of credit» in
at least four states that works like a
credit card — but with a 299 percent annual percentage
rate.
The number
of employees
at Goldman increased 11 % since 2012, when the bank's acceptance
rate was also 3 % with 267,000 applicants, CEO Lloyd Blankfein said
at the
Credit Suisse Group conference.
The FCA is not the first body to express concerns about the state
of credit in the UK, with
ratings agency Moody's downgrading the outlook on four out
of five types
of UK consumer debt investments
at the beginning
of August.
WalletHub editors also compared more than 1,000
credit cards by looking
at their rewards,
rates and fees to come up with a list
of the top cards.
The
credit rating agency said that Tesla would likely need to raise
at least $ 2 billion in the near term to fund the production
of its all - important Model 3 mid-market sedan.
But with the Fed looking
at more
rate hikes and
credit spreads already near their tightest levels
of the cycle, it's tough to see how liquidity would become much more loose than it was two months ago.
As
of March 26, 2018, vehicle loan
rates start
at 6.75 % based on term length,
credit history, and vehicle being financed.
Under existing VOS program designs, solar customers continue to purchase all
of their electricity from the grid
at the utility's retail
rate and receive
credit for the solar electricity exported to the grid
at the approved VOS
rate.
It offers that same
rate of 3 % back on office supplies, 2 % back
at restaurants, and 1 % on everything else, solidifying its status as a versatile
credit card.
At July 28, 2012, borrowings under the Asset - Based Revolving Credit Facility bore interest at a rate per annum equal to, at NMG's option, either (a) a base rate determined by reference to the highest of (i) a defined prime rate, (ii) the federal funds effective rate plus 1/2 of 1.00 % or (iii) a one - month LIBOR rate plus 1.00 % or (b) a LIBOR rate, subject to certain adjustments, in each case plus an applicable margi
At July 28, 2012, borrowings under the Asset - Based Revolving
Credit Facility bore interest
at a rate per annum equal to, at NMG's option, either (a) a base rate determined by reference to the highest of (i) a defined prime rate, (ii) the federal funds effective rate plus 1/2 of 1.00 % or (iii) a one - month LIBOR rate plus 1.00 % or (b) a LIBOR rate, subject to certain adjustments, in each case plus an applicable margi
at a
rate per annum equal to,
at NMG's option, either (a) a base rate determined by reference to the highest of (i) a defined prime rate, (ii) the federal funds effective rate plus 1/2 of 1.00 % or (iii) a one - month LIBOR rate plus 1.00 % or (b) a LIBOR rate, subject to certain adjustments, in each case plus an applicable margi
at NMG's option, either (a) a base
rate determined by reference to the highest
of (i) a defined prime
rate, (ii) the federal funds effective
rate plus 1/2
of 1.00 % or (iii) a one - month LIBOR
rate plus 1.00 % or (b) a LIBOR
rate, subject to certain adjustments, in each case plus an applicable margin.
At April 27, 2013, borrowings under the Asset - Based Revolving Credit Facility bore interest at a rate per annum equal to, at NMG's option, either (a) a base rate determined by reference to the highest of (i) a defined prime rate, (ii) the federal funds effective rate plus 1/2 of 1.00 % or (iii) a one - month LIBOR rate plus 1.00 % or (b) a LIBOR rate, subject to certain adjustments, in each case plus an applicable margi
At April 27, 2013, borrowings under the Asset - Based Revolving
Credit Facility bore interest
at a rate per annum equal to, at NMG's option, either (a) a base rate determined by reference to the highest of (i) a defined prime rate, (ii) the federal funds effective rate plus 1/2 of 1.00 % or (iii) a one - month LIBOR rate plus 1.00 % or (b) a LIBOR rate, subject to certain adjustments, in each case plus an applicable margi
at a
rate per annum equal to,
at NMG's option, either (a) a base rate determined by reference to the highest of (i) a defined prime rate, (ii) the federal funds effective rate plus 1/2 of 1.00 % or (iii) a one - month LIBOR rate plus 1.00 % or (b) a LIBOR rate, subject to certain adjustments, in each case plus an applicable margi
at NMG's option, either (a) a base
rate determined by reference to the highest
of (i) a defined prime
rate, (ii) the federal funds effective
rate plus 1/2
of 1.00 % or (iii) a one - month LIBOR
rate plus 1.00 % or (b) a LIBOR
rate, subject to certain adjustments, in each case plus an applicable margin.
The Fed left its key short - term
rate at 1.5 per cent to 1.75 per cent — the level it set in March after its sixth increase since December 2015 — as it gradually tightens
credit to control inflation against the backdrop
of a tight labour market and a pickup in consumer prices.
In total, the cash is costing $ 14,000
at a payback
rate of 24 percent
of her business's
credit card transactions.
A bank like Silicon Valley Bank, which is deeply entrenched in the tech community can provide lines
of credit at perhaps a slightly cheaper
rate, but they are a retail bank first and foremost, and not a venture debt company.
These benefits would (i) largely go to developers and contractors for infrastructure projects like new pipelines that would happen even without new incentives and so be highly regressive; (ii) raise costs by failing to reach the tax - free pension funds, sovereign wealth funds and international investors who are the most plausible sources
of incremental infrastructure finance; (iii) not encourage
at all the highest return maintenance projects like fixing potholes that do not yield a pecuniary return for investors; and (iv) by offering
credits at an unprecedented 82 percent
rate, invite all kinds
of tax shelter abuse.
Negative spillover effects in the form
of excessive capital inflows and upward pressure on their exchange
rates have
at times made it difficult for them to control domestic
credit conditions and have threatened their international competitiveness.
They are buying
at the top end
of the market, focusing on top
credit tenants and top locations, and they are willing to pay aggressive cap
rates to acquire those assets, he adds.
The index includes bonds with a minimum
credit rating BAA3, are issued as part
of a deal
of at least $ 50 million, have an amount outstanding
of at least $ 5 million and have a maturity
of 8 to 12 years.
Factors that could cause or contribute to actual results differing from our forward - looking statements include risks relating to: failure
of DBRS to
rate the Notes
at the anticipated
ratings levels, which is a closing condition, or
at all; changes in the financial markets, including changes in
credit markets, interest
rates, securitization markets generally and our proposed securitization in particular; the willingness
of investors to buy the Notes; adverse developments regarding OnDeck, its business or the online or broader marketplace lending industry generally, any
of which could impact what
credit ratings, if any, are issued with respect to the Notes; the extended settlement cycle for the scheduled closing on April 17, 2018, which may exacerbate the foregoing risks; and other risks, including those described in our Annual Report on Form 10 - K for the year ended December 31, 2017 and in other documents that we file with the Securities and Exchange Commission from time to time which are or will be available on the Commission's website
at www.sec.gov.
Achievement
of these goals was considered by the HRC as very challenging, even aggressive, given the expected modest economic growth for 2007 for the financial services industry, the impact and duration
of the on - going flat / inverted yield curve (meaning short - term interest
rates that are virtually equal to or exceed long - term interest
rates, thus lowering profit margins for financial services companies that borrow cash
at short - term
rates and lend
at long - term
rates), potentially higher
credit losses, fewer available high - quality, high - yielding loans and investment opportunities, and a consumer shift from non-interest to interest - bearing deposits.
If you have a
credit score
of 720 or higher, you may be able to score an annual percentage
rate (APR) as low as 4.99 %, provided you qualify for
at least two
rate discounts.
Individuals with excellent
credit, which is defined as any FICO
credit score between 720 and 850, should expect to find
rates at about 10 % to 12 %, and many
of these individuals may even qualify for lower
rates.
The best deals — for significant amounts
at the lowest
rates — will require a
credit score
of 720 or better to qualify.
For instance, a financing company might pay a retailer $ 20,000 today for the right to collect $ 28,000 in his future
credit card receivables
at a fixed daily collection
rate of 10 percent.
Does some
of the package consist
of parents» PLUS loans or private loans that could come
at higher
rates and require a
credit check?
Loans under the new
credit facility bear interest,
at our option,
at (i) a base
rate based on the highest
of the prime
rate, the federal funds
rate plus 0.50 % and an adjusted LIBOR
rate for a one - month interest period in each case plus a margin ranging from 0.00 % to 1.00 %, or (ii) an adjusted LIBOR
rate plus a margin ranging from 1.00 % to 2.00 %.
«With low
credit card penetration and the lack
of structured
credit history, this large segment
of the Indian population resorts to availing
credit from informal sources
at high interest
rates,» the company said in the statement.