Sentences with phrase «balance by the interest rate»

Your daily interest rate is determined by multiplying your loan balance by your interest rate and then dividing that by the number of days in the year.

Your daily interest rate is determined by multiplying your loan balance by your interest rate and then dividing that by the number of days in the year.

To calculate the payment on an interest only loan, calculate the loan balance by the interest rate.

Not exact matches

Here's the catch: If you fail to pay off the whole balance by the end of the interest - free period, you're on the hook for high interest rates against the original purchase amount — and not the remainder.

«A sustained 100 - basis - point increase in all interest rates» reduces the budgetary balance by $ 0.5 billion.

It achieves that by raising or lowering its policy interest rate, which influences other interest rates such as what you'll pay on your mortgage or auto loan, and the return you'll get on the balance in your savings account.

Federal Reserve Bank of Dallas President Robert Kaplan may have helped fuel the sharp move before Yellen's speech by saying the central bank can afford to be patient on raising interest rates even while noting it should shrink the balance sheet soon.

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.

Buoyed by strong corporate balance sheets positioned to drive further M&A, the prospect of solid GDP anchoring steady earnings growth, and a Fed set to raise interest rates while mindful of incoming data, we expect the advancing tide to continue rolling.

By consolidating, you'll lock in higher interest rates for some of your lower - rate balances, he argued.

Borrowers should keep in mind that lower interest rates at the beginning of a loan result in more actual savings than lower interest rates towards the end of a loan since the principal is lower as time goes by (interest charged is a percentage of the current loan balance).

The Fed is helping the process of moving toward more normal interest rate levels by winding down its balance sheet, slowly releasing the air from the balloon, he said.

The Bank of Canada applied all its available levers to supply short - term liquidity to financial markets: interest rates were reduced to zero, and the Bank expanded its balance sheet by means of purchase and resale agreements.

Interest: the cash paid to the creditor by the debtor until loan maturity calculated as (interest rate ÷ payment frequency) * outstanding principalInterest: the cash paid to the creditor by the debtor until loan maturity calculated as (interest rate ÷ payment frequency) * outstanding principalinterest rate ÷ payment frequency) * outstanding principal balance

And by lowering your interest rate, you can put more of your hard - earned cash towards the principal balance while saving thousands of dollars in interest charges over time.

Interest rates and terms will vary by card provider and how they evaluate your credit, so make sure you understand the interest rate you'll be required to pay on any unpaid balance and any speciaInterest rates and terms will vary by card provider and how they evaluate your credit, so make sure you understand the interest rate you'll be required to pay on any unpaid balance and any speciainterest rate you'll be required to pay on any unpaid balance and any special terms.

It has done so by introducing three distinct interest rates on reserves: required reserves — which banks must hold — these are paid zero, and are relatively small in quantity; existing reserves — these are now paid 10bps; and a new third tier — a «policy balance» which will be paid minus 10bps.

What is more, when large countries, like Japan in the 1980s or China in the 2000s, try to generate very rapid domestic growth by repressing domestic interest rates and undervaluing the currency, because of the resulting surge in their reserve accumulation, their soaring current account deficit must be balanced by a soaring US current account surplus, which exacerbates the Triffin Dilemma significantly.

-- Finally, Brad DeLong asks a fair question: «Why, if you want to tighten monetary policy, are you doing so first by raising interest rates rather than by shrinking the balance sheet?»

I laugh and sometime sneer at those who think new Fed Head Jerome Powell will impose monetary discipline by raising interest rates at least up to the real rate of inflation and reduce the Fed's balance sheet according the schedule as laid out by Yellen.

but because of the tax advantages and relatively low interest rates, you are more likely to get in trouble by having high credit card or car loan balances.

Low interest rates helped fuel the real estate and stock market bubble by making the debt side of the balance sheet less expensive, creating a «wealth effect» as people came to believe that rising property and stock - market prices would be able to pay off their obligations.

-LRB-...) Government debt sales will more than double this year, to a net $ 1.44 trillion by JPMorgan Chase & Co.'s estimate, raising the specter of buyers» fatigue just as the Federal Reserve is shrinking its $ 4.4 trillion balance sheet and raising interest rates.

By raising its administered rates, the Fed encourages other financial institutions to maintain larger balances with it, instead of trading those balances for other interest - earning assets.

At the Shadow Open Market Committee fall meeting on Sept. 15, economist Peter Ireland of Boston College argued that the effect of reducing the balance sheet is ultimately equivalent to an open - market sale of bonds by the Fed of the kind it would undertake in order to push up the fed funds interest rate.

As implied above, the Fed confirmed last week that when it finally gets around to moving the FFR upward, it will do so primarily by adjusting the interest rate it pays on excess reserve balances.

With household and government balance sheets still weighed down by a large debt overhang, demand for new loans is extremely weak despite near zero short and long term interest rates.

They learned their lessons in 2008 with regards to excessive leverage and by and large have very good balance sheets, and so I think yes, they're expensive because part of their sales has been driven by very low interest rates.

Some type of lesser measure by the Fed, such as lengthening the duration of its balance sheet holdings to drive down long - term interest rates, seems to have better odds of being implemented.

By paying just the minimum, a credit card balance of $ 1,000 at a 12 % interest rate with a minimum required payment of $ 35 would take 34 months to pay off.

By throwing those extra funds toward your smallest balances or the loans with the highest interest rate, you can start really digging your way out of debt once and for all.

Again, by lowering your interest rate, you free up more cash to pay towards the principal balance.

Promotional interest rate offers may cause you to lose the grace period on purchases if you do not pay the entire statement balance (including the amount subject to the introductory APR) by the payment due date.

By consolidating your loans, your can lump your principal balances together at, hopefully, a lower interest rate.

In the late 1970s he coped with the U.S. balance - of - payments deficit (stemming mainly from overseas military spending) and consequent the inflationary pressures by raising interest rates to 20 %, thereby plunging stock market and real estate prices.

Your new payment will be based on the remaining loan balance, and interest rate increases are limited by the terms of your loan.

Exchange Settlement balances have an opportunity cost which might be approximated by the difference between the interest rate banks would earn by investing overnight in the market, and the rate paid on balances held at the Reserve Bank.

Cash - out refinancing means the loan is secured by your home, so the interest rate is significantly lower compared to other debt such as credit card balances

On balance, it seems likely we're in a speculative bubble, fuelled by the record low interest rates of recent years and the arrival of Buy To Let investors scared of the stock market.

If so, you might be interested to know that a study conducted in the Netherlands found that by multiplying casein intake by two and a half times, participants were able to have a higher metabolic rate while sleeping and a better overall fat balance.

You can calculate the finance charges for the month by multiplying the daily interest rate times the number of days in the billing cycle times the balance.

Your new payment will be based on the remaining loan balance, and interest rate increases are limited by the terms of your loan.

Loans secured by your home will generally have lower interest rates, approximately 3.5 % to 6.5 %, than loans secured by the solar panel system, which range from 3.5 % to 13.24 %, because the borrower can repossess a larger asset with more value — your home — to recover the full balance due rather than a solar system that has likely lost part of its value over time.

And don't forget that your balance picks up momentum as it grows, because that larger balance gets multiplied by the interest rate.

This fee is based on your current interest rate multiplied by the balance owed every day the amount is unpaid.

Other credit cards charge interest monthly by applying the monthly periodic rate to the average daily balance.

Some credit cards charge interest daily by applying the daily periodic rate to the balance at the end of each day.

We calculate the interest charge on your account by applying the periodic rate to the «average daily balance» of your account (including current transactions).

It is computed by multiplying the current loan balance by the effective interest rate per payment period.

In bond funds, there are several categories right from Liquid Funds (as a surrogate to money lying in your savings account) to Short Term Bond Funds (which try to balance interest rate risk and yield) to Long term / Dynamic Bond Funds (which essentially try to deliver returns by taking on interest rate risk).