This cost is offset
by a higher interest rate on the mortgage, compared to a loan with borrower - paid MI (BPMI).
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.
Those federal rules, which double down
on restrictions adopted in 2014 and stern warnings to lenders issued
by OSFI earlier this summer, require banks to qualify borrowers at
higher interest rates, impose additional limits
on mortgages for buyers with small down payments, and compel financial institutions to share the risk
by taking out insurance policies
on low - ratio mortgages.
By projecting improbably
high interest rates, the Liberals have given themselves breathing room
on the deficit
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.
Global stocks have pushed to new
highs, outdoing previous records set in 2015, driven
by strong economic data in the U.S. and comments
by the Federal Reserve
on the future path of
interest rates.
Borrower 2 saved almost $ 5,000
by going with a fixed
rate on Loan B ($ 30,000 for 20 years) even though the initial
interest rate was
higher than what Borrower 1 secured with a variable -
rate loan.
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.
That will be important to private investors, because if the central bank held itself out as a privileged bondholder, effectively passing more risk
on to other bond holders, other buyers might undermine the stimulus program
by demanding
higher interest rates.
If you don't have great credit, the
interest rate offered
by the lender may end up being
higher than the
rate you are currently paying
on your loan.
U.S. stocks ended
higher on Friday, buoyed
by a solid payrolls report that locked in expectations for an
interest rate hike next week.
Higher interest rates will triple the
interest on the federal debt to $ 830 billion annually
by 2026, will hurt workers and young voters, and could bankrupt over 20 % of US corporations, according to the IMF.
Before you take
on a jumbo loan, you should know that they are accompanied
by higher interest rates.
Arbitrageurs made billions
by acting as financial intermediaries making income
on the margin between low yen - borrowing costs and
high foreign - currency
interest rates.
Summary: It's possible to avoid PMI in California
by taking
on a slightly
higher interest rate.
The selling has raged
on in the days since, fueled partly
by fear that
higher inflation would lead the Fed to accelerate its
interest rates hikes and weaken the economy and the stock market.
Specifically, Defendants made false and / or misleading statements and / or failed to disclose that: (i) the Company was engaged in predatory lending practices that saddled subprime borrowers and / or those with poor or limited credit histories with
high -
interest rate debt that they could not repay; (ii) many of the Company's customers were using Qudian - provided loans to repay their existing loans, thereby inflating the Company's revenues and active borrower numbers and increasing the likelihood of defaults; (iii) the Company was providing online loans to college students despite a governmental ban
on the practice; (iv) the Company was engaged overly aggressive and improper collection practices; (v) the Company had understated the number of its non-performing loans in the Registration Statement and Prospectus; (vi) because of the Company's improper lending, underwriting and collection practices it was subject to a heightened risk of adverse actions
by Chinese regulators; (vii) the Company's largest sales platform and strategic partner, Alipay, and Ant Financial, could unilaterally cap the APR for loans provided
by Qudian; (viii) the Company had failed to implement necessary safeguards to protect customer data; (ix) data for nearly one million Company customers had been leaked for sale to the black market, including names, addresses, phone numbers, loan information, accounts and, in some cases, passwords to CHIS, the state - backed
higher - education qualification verification institution in China, subjecting the Company to undisclosed risks of penalties and financial and reputational harm; and (x) as a result of the foregoing, Qudian's public statements were materially false and misleading at all relevant times.
«Whereas companies routinely reward their shareholders with
higher dividends, no company in the history of finance, going back as far as the Medicis, has rewarded its bondholders
by raising the
interest rate on a bond.»
To test DR - CAPM
on currencies, they rank a sample of 53 currencies
by interest rates into six portfolios, excluding for some analyses those currencies in
highest interest rate portfolio with annual inflation at least 10 %
higher than contemporaneous U.S. inflation.
Indeed, an analysis
by ValuePenguin reveals that Americans will earn $ 800 million more
on their savings deposits than they'll pay through
higher interest rates on credit cards and home - equity lines of credit (HELOCs) after the Fed's latest hike.
Instead of forcing a reluctant public to spend
on the premise of substitution effect, a more normal
rates regime would likely be effective to induce
higher investment
by aligning policy with the public's
interest to meet future obligations.
Banks are sitting
on such vast quantities of excess reserves — paid to do so
by the Federal Reserve as it pays a relative
high interest rate on reserves — that the monetary base is larger than M1.
With
interest rates on low - risk investments falling to low levels in many countries, investors have sought to maintain yields
by moving into
higher - risk assets such as corporate debt and emerging market debt.
Not that much
higher because they're still secured
by a home (the home as collateral), the
interest rates people typically pay
on them are lower than those of nearly any other sort of borrowing.
By owning this account, you can earn
higher bonus rewards with your PNC Visa ® Credit Card,
higher interest rates on Premiere Money Market or Standard Savings account and
higher rates on CDs and IRA CDs.
As usual, I don't place too much emphasis
on this sort of forecast, but to the extent that I make any comments at all about the outlook for 2006, the bottom line is this: 1) we can't rule out modest potential for stock appreciation, which would require the maintenance or expansion of already
high price / peak earnings multiples; 2) we also should recognize an uncomfortably large potential for market losses, particularly given that the current bull market has now outlived the median and average bull, yet at
higher valuations than most bulls have achieved, a flat yield curve with rising
interest rate pressures, an extended period of internal divergence as measured
by breadth and other market action, and complacency at best and excessive bullishness at worst, as measured
by various sentiment indicators; 3) there is a moderate but still not compelling risk of an oncoming recession, which would become more of a factor if we observe a substantial widening of credit spreads and weakness in the ISM Purchasing Managers Index in the months ahead, and; 4) there remains substantial potential for U.S. dollar weakness coupled with «unexpectedly» persistent inflation pressures, particularly if we do observe economic weakness.
In fixed income,
rate hikes
by the Fed have led to
higher interest rates on the short end of the yield curve, while longer - term
rates have remained more contained (despite recent increases following tax reform).
On the
high end, any score of 740 or
higher will allow you to not only qualify for a mortgage but also the best
interest rates offered
by lenders.
If you're intrigued, the banks below are proven players in the game, which means they're unlikely to pull a bait - and - switch
on you
by offering a
high interest rate to start and then significantly lowering it later.
The banks are trying to win back their losses
by arbitrage operations, borrowing from the Fed at a low
interest rate and lending at a
higher one, and gambling
on options and derivatives.
Third,
on - going (and possibly
higher) structural deficits are acceptable provided they are the result of investments to strengthen economic growth, financed
by long - term
interest rates low enough to make them affordable.
These include changing bank reserve requirements
by making them
higher or lower, changing the terms
on which it lends to banks through its discount window, and changing the
rate of
interest it pays
on the bank reserves it has
on deposit.
If you do need to take
on a jumbo loan in order to purchase the Minnesota home that you have your heart set
on, remember that your loan will be accompanied
by higher interest rates.
The different governments lead
by Mrs. Thatcher restrain the emission of the monetary mass, raise the
rate of
interest, reduce in a drastic way the taxes
on the
highest incomes, abolish the control of the financial flows, strongly raise the
rate of unemployment, provoke strikes, put in place an anti-unions legislation and cut the social expenses.
It will come as both relief and encouragement to the millions of people either directly affected
by payday lending or simply angry at the way these businesses have been able to prey
on the vulnerable through staggeringly
high interest rates and penalty charges.
Speaking at the 21 st National Banking Conference, organized
by the Charted Institute of Bankers, in Accra
on Tuesday November 28, 2017, Vice President Bawumia explained that Ghana has one of the
highest mortgage - to - income ratios in the world and
high interest rates because of the largely informal nature of her economy, and the reforms being undertaken
by the Nana Akufo - Addo government are meant to address this challenge.
«The risk is quite
high that you're facing because you are dealing with depositors» funds but you don't know who they (borrowers) are, and you don't know where they live, so we (government) basically said you need to at least put these fundamentals in place before you can really expect a sustainable decline in
interest rates that can be driven
by proper risk assessment through credit
rating agencies and so
on.
Omni Military Lending Agrees to Stop Making Loans In Excess of New York's
Interest Rate Caps Today, New York State launched a crackdown on high - interest loans made to military personnel by closing the «Fort Drum Loophole
Interest Rate Caps Today, New York State launched a crackdown
on high -
interest loans made to military personnel by closing the «Fort Drum Loophole
interest loans made to military personnel
by closing the «Fort Drum Loophole.»
Construction of new office space in New York City is
on track to hit a 25 - year
high this year and almost double that built in 2014, reflecting increasing employment and low
interest rates, according to a new report
by the New York Building Congress.
In 2012, Eisner signed off
on a $ 3.5 million settlement after Bharara's office alleged that GFI Mortgage Bankers, a company that originates loans and has been led
by Eisner since 1983, charged
higher interest rates and fees
on mortgages to minority borrowers than to whites with similar financial profiles.
We'd be hazarding our precious low
interest rates on a change of course that would put those
rates up in the full knowledge that any extra billion pounds of public spending would be wiped out
by billions of pounds more in
higher interest costs for families, businesses, and taxpayers.
The report says Ghana's current
rating of B1, negative outlook is constrained
by the ongoing weakness in the government's fiscal position due to ongoing spending overruns
on the public - sector wage bill,
high interest costs and the clearance of payment arrears.
«That you Stephen Oronsaye a.k.a. Mr Steve Oronsaye
on or about 30th December, 2014 at Abuja within the jurisdiction of the
High Court of the Federal Capital Territory whilst being the Chairman of the Presidential Committee
on Financial Action Task Force and in such capacity entrusted with certain property to wit: the sum of N100, 000,000.00 (One Hundred Million Naira) committed Breach of Trust in respect of the said sum
by converting it to your personal use through the investment of the said sum of N90, 000,000.00 in Access Bank Plc's Bankers Acceptance for a tenor of 90 days at 12.0 %
interest rate each in violation of the extant financial regulations».
That means focusing
on the lower - hanging fruit in terms of cutting costs - such as cutting
interest rates, which are currently up to 6.1 %, and have been attacked as bafflingly
high by a long line of former Conservative and Labour education ministers.
Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping
rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the
rate of investment spend,
higher - than - anticipated store closing or relocation costs,
higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact
on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs
on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated
by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report
on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report
on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report
on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.
Some lenders offer «no cost» refinances (actually, no out - of - pocket expenses to the borrower)
by charging a
higher rate of
interest on the new loan than if the borrower financed or paid the closing costs in cash.
These include changing bank reserve requirements
by making them
higher or lower, changing the terms
on which it lends to banks through its discount window, and changing the
rate of
interest it pays
on the bank reserves it has
on deposit.
For younger students, who do not have sufficient credit history, monthly payments
on private student loans could be hardly bearable, as the
interest rate set
by lenders is typically very
high to offset potential risk of default.
If the
interest rates on your other debt - car or student loan or mortgage - is
higher than what you could earn
by saving or investing (consider that the average annual inflation - adjusted historical return of the U.S. stock market is just over 6 %), you'd be wise to pay that down first too.
Variable
rate plans secured
by a dwelling must have a ceiling (or cap)
on how
high your
interest rate can climb over the life of the plan.