The loans, for up to $ 35,000, are intended to help you maintain payments on, or even replace, high -
cost business debt.
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.
The first part of the suggestion comprises of obliging the financial sector to write off a certain (not huge) amount of their bad
debt, while also driving down the
costs of doing
business a little more at the same time.
The Canadian Medical Association, argued in its pre-budget submission that the government should maintain access to the small
business deduction for physicians, since they enter the workforce later in life and often with significant
debt, and unlike small
businesses are unable to pass on higher
costs to clients.
Terri Levine, a
business mentoring expert, explains on QuickBooks, that she advises her «clients to collect all outstanding
debts quickly, decrease prices by 10 to 15 percent, think about refinancing or borrowing money, offer customers discounts for prompt or upfront payments, and reduce
costs by eliminating unnecessary overhead.»
Applicants are directed to furnish basic information about themselves and their
businesses, including personal information (full legal name, street address); basic
business information (employer ID number, type of
business, number of employees, banking institution used); names and addresses of management personnel; estimated
business expenditures and
costs (including details on the SBA loan request); summary of collateral; summary of previous government financing; and listing of
debts.
Paying off current
business loans with a new loan consolidating your
debt at a lower
cost can help increase cash flow, which can be especially helpful in an uncertain economy.
Obviously, besides immediately abandoning its propaganda campaign, the Chinese government should reassure the global
business community with concrete, honest, realistic, and market - based solutions that address the underlying pathologies of China's poor economic performance: massive
debt, endemic overcapacity, and an economic system that channels low -
cost capital into inefficient state - owned enterprises at the expense of private entrepreneurs and consumers.
In our example of growth through acquisition, after covering
costs, and after paying the
debt you used to buy the
business, you add cash flow to the bottom line.
Irregular income and
business expenses could help explain why self - employed individuals have more credit card
debt, which leads to higher interest rate
costs.
All of our distressed
debt investments since early 2011 have been made through our fund
business where we had already recalibrated our thinking about the timing and
cost of resolution.
Debt interest
costs are fully tax deductible as a
business expense and in the case of long term financing, the repayment period can be extended over many years, reducing the monthly expense.
With
debt financing, the fixed repayment schedule and the high
cost of loan repayment can make it difficult for a
business to expand while with equity financing, money is invested in the
business in exchange for equity - there is no fixed repayment schedule and investors generally have a long term goal of return on investment.
However, it's a low -
cost way to increase your life insurance coverage if you're a young parent or have significant
debt that would be passed on to others, such as small
business loans.
There are many other ways of allocating a significant portion of the
debt - servicing
cost to unwilling agents in the economic equivalent of
debt forgiveness: to creditors when
debt is repudiated, to workers when wages are suppressed in order to increase net revenues for
debt servicing, to small
business owners when assets are expropriated to pay down
debt, and so on.
I don't know, but it's raising the
cost of
debt servicing more than expected for lots of banks and
businesses that borrow in the short - term
debt market.
Higher borrowing
costs would discourage
business investment and raise the
cost of servicing government
debt to unhealthy levels.
Calumet Specialty Products Partners is interesting in that some of its assets have promise, but are burdened by other cash - burning segments of its
business and the massive
debt that
costs it more than double its operating cash flows:
Many entrepreneurs need
debt relief during the early stages of their
business, so reducing childcare
costs is a big plus.
The mix of
debt and equity financing that you use will determine your
cost of capital for your
business.
From the perspective of someone interested in making investments with 20 + year holding periods in mind, you need to be careful of owning banks because of the
debt to equity levels involved in the investment, you need to be wary of technology companies because they must constantly be innovating to remain profitable and relevant (unlike, say, Hershey, which could stick with its
business model of selling chocolate bars for the next century), and retail stocks which are always subject to the risk of a new low -
cost carrier arriving on the block.
John also served as the VP and Head of Corporate Development for an early - stage renewable energy and feed company based in Florida as well as a Director in
Business Development at Valens Capital, a billion dollar hedge fund focused on providing flexible, custom - tailored and
cost - effective
debt and equity growth financing solutions to small - cap public and private companies.
Debt Financing — The use of repayable funds to support the growth of the company; small business loans and other interest - bearing loans are common forms of debt financing, and create a certain amount of financial risk for the company in the form of new fixed co
Debt Financing — The use of repayable funds to support the growth of the company; small
business loans and other interest - bearing loans are common forms of
debt financing, and create a certain amount of financial risk for the company in the form of new fixed co
debt financing, and create a certain amount of financial risk for the company in the form of new fixed
costs.
Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased
costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating
costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing
debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our
business; the significant portion of our assets pledged as collateral under our existing
debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.
Most of the examples you are alluding to are doing so at the
cost of putting their providers out of
business and running up huge public
debt.
What should have been presented is decade long trends about: farm and processor bank
debt; return on equity; full and part - time employment trends; farm and processor
business numbers; domestic versus overseas value adding to commodities; volume and value of imported ingredients and products; international versus Australian processing
costs comparisons for major foods like meats, flour, oils, milk products; and the farm gate price share of the consumer dollar for fresh foods like fruit and vegetables, milk, meats, bread, juice, eggs.
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These are problems of inclusive economic growth to address unemployment, decline in the agriculture sector, rising
cost of living, collapsing
businesses, the energy crisis («dumsor») unsustainable
debt, poor infrastructure, rising interest rates exchange rate depreciation, rising fiscal and balance of payments deficits, and corruption.»
Most successful people get a convertible at 49: I dumped safety, security, zero
debt, and a low -
cost - of - living to jump headfirst in my own
business and a much higher
cost of living.
According to John Musso of the Association of School
Business Officials International, advance refund bonds «are a
cost - effective way for districts to refinance high - interest
debt at lower - interest rates, potentially saving hundreds of thousands of taxpayers» dollars in lower
debt payments.
If you have a challenge in qualifying for a loan — such as a low credit score, a spotty job history, a high
debt - to - income ratio, income from self - employment or a side
business — you may want to discuss your options with multiple lenders, because you'll find more variation in the
cost of the loan.
With
debt financing, the fixed repayment schedule and the high
cost of loan repayment can make it difficult for a
business to expand while with equity financing, money is invested in the
business in exchange for equity - there is no fixed repayment schedule and investors generally have a long term goal of return on investment.
While it's never a good idea to pay interest on
debt just to get a tax benefit — since you can never receive a discount that will match the total
cost of holding the
debt itself — the truth is many small
businesses need to carry over balances on their credit cards to keep running and, ideally, to grow.
Debt interest
costs are fully tax deductible as a
business expense and in the case of long term financing, the repayment period can be extended over many years, reducing the monthly expense.
However, it's a low -
cost way to increase your life insurance coverage if you're a young parent or have significant
debt that would be passed on to others, such as small
business loans.
Debt settlement can be a complex
business and mistakes can
cost you significant money if your customer sues or reports you to the FTC or local consumer protection group.
A higher cash turning
business (quicker cash conversion cycle) and cheaper
cost of
debt (interest rate) will allow a company to lever up more, especially if the assets that are - part of the collateral do not depreciate very quickly (long lived assets).
Primary similarities include 1) the security
business throws off a steady cash stream from «subscribers», therefore allowing the use of significant
debt leverage, 2) acquisition
costs are capitalized and shield cash income from taxes, and 3) operational success depends heavily on efficient «subscribers» acquisition (marketing) and retention or churn management (service).
When the
cost of
debt increases, individuals and
businesses are discouraged from borrowing, and will opt to save their money.
I've been a very happy investor in Vodafone, as it carried less
debt than other major telecommunication companies, had much less exposure to legacy
costs associated with wireline
businesses because they're primarily a wireless company and they had broad geographic exposure to Europe, India, Africa, Australia and the U.S. (through 45 % of VZW).
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With opportunistic holdings we are often invested in falling knives or
businesses that risk bankruptcy due to large amounts of
debt, high fixed
costs or turnaround situations.
Walsh warned shareholders and employees of the painful restructuring,
cost reduction & rationalisation still to come, and then began systematically ticking each action item off his list: i) After one last kitchen sink loss in 2012 of EUR 116 million (mostly goodwill impairment), One51 actually recorded a net profit in 2013 for the first time in 7 years, ii) free cash flow increased from just EUR 1.1 million in 2011 to 15.4 million in 2013, iii) almost EUR 100 million was raised in two years from the sale of the plastic extrusion
business, the disposal of stakes in Island Renewable Energy, Thirdforce, IFG, and (most significantly) Irish Continental Group, in addition to a substantial 2013 capital redemption from NTR, and iv) net
debt (exc.
They recognize the geological uncertainty attached to all resource bodies, the possible political risks, the
business risks, the multi - year / decade timescale, the significant capital / operating
costs, the cash /
debt / share dilution required to fund them, the volatility of commodity prices, etc..
Moreover, the low set up
costs, when coupled with the large fees that can be made, often leads to the promotion of
debt settlement as a cheap
business opportunity that is easy to enter.
And while there are standard
business model risks to consider — spills, regulation, and the
cost to maintain the network (requiring the regular issuance of equity and
debt)-- the right valuation could provide for a very compelling long - term investment.
In order to be approved for a mortgage or
business loan, in order to pay the lowest possible interest rates on auto loans, in order to live a financially successful, and stress - free, life here in Canada, it's absolutely essential that you have good credit, and avoid building your
debt at all
costs — here are a few tips on how to eliminate
debt to get you started.
The company offers loans from $ 2,600 to $ 100,000 for purposes such as
debt consolidation or
costs associated with starting a new
business.
When a
business has a high
debt to equity ratio, it has imposed on itself a large block of fixed
cost in the form of interest expense, which increases its breakeven point.
If you can buy a low -
cost producer with low / no
debt at a price below replacement
cost you really should find yourself with a «moat», even in a commodity
business.