Sentences with phrase «borrowing costs when»

Less debt and a history of on - time payments should boost your credit score, which ought to trim your borrowing costs when you next need a loan.

I usually vote for credit cards that allow you to reduce borrowing costs when you need to carry - over monthly balances or maximize cash back benefits when you pay off a bill entirely, over credit cards that offer points to buy stuff.

Also, buyers don't factor in borrowing costs when they set their price range.

Not exact matches

When the Federal Reserve boosts its target funds rate, banks are quick to follow suit by increasing the cost of borrowing on everything from credit cards to home equity lines of credit.

Where costs become really high is when an ESOP borrows money.

The Fed raised short - term rates last month for only the second time since the 2007 - 2009 financial crisis, when it slashed rates to near zero and began buying massive amounts of Treasuries and mortgage - backed securities to push down long - term borrowing costs.

«When people get comfortable and complacent with the cost of borrowing money they overspend,» she said.

Banks find it less advantageous to lend when their own cost of borrowing is above their cost of lending.

Because an origination fee adds to your total costs when borrowing, it's important to factor this into your choice.

Debt - laden firms could also experience additional financial stress as borrowing costs mount when interest rates start to climb.

The total cost of borrowing can be significantly higher for borrowers who select the PAYE program because of interest accrual during periods when income and therefore monthly payments are low.

This would sharply enhance growth rates during the expansion phase, much like margin borrowing enhances returns when market prices are rising faster than the debt servicing costs, but at the expense of sub-par performance once conditions reverse.

When foreign funds could not be borrowed, countries had to pay gold to defray the costs of their military spending, or go off gold to print money freely and see their currencies depreciate.

Over the course of the mortgages, however, paying back the borrowed $ 250,000 costs $ 414,763.20 when paid off over 30 years, but just $ 311,410.80 when paid back over 15 years — which would save a borrower over $ 100,000 in interest.

When borrowing to purchase inventory, the total cost of capital (including any interest or other fees that are a condition of receiving capital) should be considered.

It's been unsatisfying to tell readers again and again that a bad credit score can cost them when they go to borrow money to achieve their goals without being able to say exactly how much.

When you demonstrate that you can make timely payments, you may qualify for SnapCap's Vanishing Interest Rate program the next time you borrow a SnapCap loan, which will lower the overall cost of the loan.

When interest rates rise, they can become a challenge for stocks because they offer higher yielding investment alternatives and also make for higher borrowing costs for corporations.

When central banks make adjustments that raise or lower the cost of short - term borrowing, other rates will follow, including the interest rate on your variable - rate loan.

Historical interest rates can tell you when to invest in a new product such as a home, car, or new line of credit because the cost of borrowing has reached an appealing low rate.

When loans appear to have superficially favorable rates, low - income home - buyers will underestimate the true loan costs and borrow more than they can afford.

On the up side, when you trade in a margin account, you can typically borrow up to 50 % of the cost of any new securities.

You should know how much it will cost you to borrow this money (i.e., how much you will repay in total — what's known as the total cost of capital), when you will repay and whether the loan is amortized or not.

There are some «gotchas» when you borrow from a 401 (k) to purchase a home which could raise your total loan costs to a figure much higher than what you borrow.

When the pace of inflation eases over a longer period and interest rates are still low, this is a good time to borrow at a low cost.

This was exasperated recently when I was discussing the case of how most investors misunderstand how it can actually be good over the long - run to change a company's capitalization structure to replace equity with debt by borrowing funds on a long - term, low - cost, fixed - rate basis to repurchase stock, lowering the total count of outstanding shares.

When the Federal Reserve makes it more expensive for banks to borrow by targeting a higher federal funds rate, the banks in turn pass on the higher costs to its customers.

The employment report provided the latest sign that a strengthening jobs market is starting to spur faster wage growth, a key factor that will help determine when the U.S. central bank starts lifting borrowing costs.

Chances are you'll need to borrow money from time to time to prepare your inventory for the holiday season — or cover overhead costs when things are slow.

You will likely also need to have all of the school information available, such as the name of the college, when you'll be graduating, how much it will cost to attend, and how much you are requesting to borrow to cover those costs.

When it comes to student loan repayment, it's easy to disregard the fact that these loans might cost far more than you originally borrowed.

Although the term is often used with regard to financial institutions, most corporations are also significantly impacted by the cost of funds when borrowing.

The backers of fresh ingredients and home meal kits business Marley Spoon have borrowed from the Ikea furniture model for the low - cost brand Dinnerly, which Australian managing director Rolf Weber says should excel at a time when household budgets are under pressure.

The next fiscal squeeze could be very different from those of the past few decades if it starts with a debt wall more comparable to that of the 1920s and 1930s, when governments» room for fiscal manoeuvre was sharply limited by their predecessors» decision to fund the huge costs of World War I largely by borrowing rather than by taxes.

At a time when borrowing costs are so low, this is the right time to make productive investments.

Our commitment to borrow for capital investment at a time when the cost of borrowing is zero and the economy is still underperforming was a huge and important dividing line between us and the Conservatives that we seemed to want to obscure.

When Albany city officials got wind of the plan, they urged lawmakers to reconsider, fearing it would hurt the city's already tight finances — they'd have to borrow money to make the payment earlier, costing city taxpayers $ 100,000.

New York taxpayers caught a huge break yesterday, when Gov. Cuomo vetoed a bill that would've let school districts borrow to cover pension costs.

He also wanted to borrow to cover a $ 7 million legal settlement when the county had cash to cover the cost.

Borrowing makes sense when you're building schools or roads; using it to pay for recurring costs like retiree benefits is a path to insolvency.

When the board approved borrowing the $ 5.1 million in January, the project was estimated to cost $ 14.93 million.

One can argue that some deficit financing of science and innovation makes sense given the long - term returns these can produce, especially while the cost of borrowing is low; one can also argue that some of those who talk tough on deficits only get fiscal religion when the other guy's in charge.

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When not leaning hard on ideas borrowed from the Paranormal Activity series — the doors that open on their own, the surveillance - camera footage, the sound design that clearly cost more than any other part of the movie — Lincoln scares up a few potent images that contrast the sterile dream - home interior with an entity that manifests itself via rot and mold.

Overdrive is developing a new solution called the cost - per - checkout (CPC) model that allows libraries to make available a supplier's entire catalog of titles, but only incur a charge when a user borrows a title.

But I am against individuals uploading e-books to sites where books are borrowed for a cost, especially when the site owner insinuates that part of that money goes to the authors.

Overdrive announced a new Cost Per Circ system last year and it allows libraries to have a huge influx of digital content that can loaned out to as many users as they want simultaneously and libraries only pay when the audiobook or ebook is actually borrowed.

This means that libraries only pay them money when a patron borrows a title, each e-book does not cost money on its own.

There are some «gotchas» when you borrow from a 401 (k) to purchase a home which could raise your total loan costs to a figure much higher than what you borrow.

Consider the fact that, whether you're borrowing money at exorbitant interest rates or paying cash, you're still losing money because when you spend your own cash without paying yourself interest, you're losing the opportunity cost of that capital invested elsewhere.