In 2017, Spotify reported
charges on debt financing drove up operating losses to 378 million euros.
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.
Adjusted Net Income is defined as net income excluding (i) franchise agreement amortization, which is a non-cash expense arising as a result of acquisition accounting that may hinder the comparability of our operating results to our industry peers, (ii) amortization of deferred
financing costs and
debt issuance discount, a non-cash component of interest expense, and (gains) losses
on early extinguishment of
debt, which are non-cash
charges that vary by the timing, terms and size of
debt financing transactions, (iii)(income) loss from equity method investments, net of cash distributions received from equity method investments, (iv) other operating expenses (income), net, and (v) other specifically identified costs associated with non-recurring projects.
The Department of
Finance attributes the increase in public
debt charges due to inflation adjustments
on real return bonds and a higher stock of interest - bearing
debt.
Finally, for some time the
Finance Department has been engaged in a strategy of locking into long - term
debt at historical low interest rates, thereby minimizing the impact of higher interest rates
on public
debt charges.
Depending
on your situation,
debt consolidation can reduce
finance charges on credit card
debt and simplify paying your bills.
Although recent
debt reform may protect you from instantaneous and retroactive rate increases, the new laws do not place caps
on interest rates
charged by credit card issuers and other
finance companies.
One solution is to transfer the
debt from one or multiple cards to a brand new credit card with a lower Annual Percentage Rate (APR), or to a card that offers a low or zero percent introductory APR
on balance transfers, and more amenable terms, to consolidate your monthly payments and the opportunity to save money
on finance charges.
In the era prior to the CARD Act many issuers applied payments made by cardholders to
finance charges and balances with lower interest rates which cause higher interest accrual
on the accounts and made it more difficult to pay down the total balances
on their credit card accounts faster as the portions of their
debt with higher interest rates were carried forward from month to month.
The purpose here is to offer an approximation of the
finance charges that will pile up based
on your repayment rate of your
debts.
Not only will you save money
on finance charges, but you'll be able to repay your
debt faster.
«
Debt», an article
on USA.visa.com, outlines how
finance charges are actually computed
on your credit card (See References).
This helps in two ways: it simplifies your
finances and makes it easier to stay current
on your
debt payments, and it gives us the opportunity to work with your creditors for possible reductions in
finance charges, interest rates, late
charges, and over-limit fees.
Legitimate consumer credit counseling and
debt consolidation services can help you negotiate affordable payment terms while reducing or eliminating fees and
finance charges on credit card
debt.
5) If your
debt management plan depends
on your creditors agreeing to lower or eliminate interest and
finance charges, or waive late fees, make sure these concessions are reflected
on your statements.
Minimizing Credit Card
Debt through Consolidation & Lower Rates Mevish Jaffer When money is tight and the need to
finance certain purchases is absolutely necessary, many individuals find it simple and convenient to
charge them
on a credit card.
Help with money management and budgeting skills Assistance with financial planning Reduction or elimination of existing
debt in only three to five years Waiver or reduction of the interest rate Removal of finance charges A halt to harassing calls from lenders and collection agencies Lower monthly payments Debt management counselors provide credit help to consumers by enabling them to 1) improve their credit score, 2) start on a clean slate, 3) avoid bankruptcy, and 4) save a significant sum in credit card inter
debt in only three to five years Waiver or reduction of the interest rate Removal of
finance charges A halt to harassing calls from lenders and collection agencies Lower monthly payments
Debt management counselors provide credit help to consumers by enabling them to 1) improve their credit score, 2) start on a clean slate, 3) avoid bankruptcy, and 4) save a significant sum in credit card inter
Debt management counselors provide credit help to consumers by enabling them to 1) improve their credit score, 2) start
on a clean slate, 3) avoid bankruptcy, and 4) save a significant sum in credit card interest.
On and after January 1, 1997, except as otherwise provided by law, when any
debt is renewed or refinanced by any creditor or creditor's affiliate within a period of 120 days from the date the
debt is made or incurred, the debtor shall be entitled to a pro rata refund or credit of any unearned portion of the original
finance charge computed as of the date of such refinancing or renewal.
Remember that the proceeds can all be used to pay down your principal and reduces your
finance charges on your
debt.
It was a great starting point for my journey to living
debt free, but I realized after reading hundreds of blog posts
on PF and frugality that I was throwing away hundreds of dollars in
finance charges by paying the smaller
debts first.
With nearly 600 member offices serving 50 states and Puerto Rico, our NFCC Certified Credit Counselors are financial advocates, empowering millions of consumers to take
charge of their
finances through one -
on - one financial reviews that address credit card
debt, student loans, housing decisions, and overall money management.
People that rely
on these statements often find that their
debt has increased due to
finance charges and late payment fees.
No matter how generous a rewards program is, those who have substantial credit card
debt could be spending more
on finance charges and annual fees than the rewards are worth.
Conversely, in a refinance with cash provided, the consumer refinances an existing mortgage obligation and receives money from the transaction that is in addition to the funds used to pay the unpaid principal balance, any earned unpaid
finance charge on the existing
debt, and amounts attributed solely to the costs of the refinancing.