Sentences with phrase «cost of interest paid»

Whether or not you believe the Morningstar estimate that the average American spends $ 600k on interest in his lifetime, I think we can all agree that the cost of interest paid by most people in their lifetimes is likely in the hundreds of thousands of dollars.

If the borrower can not count on steady sources of additional funds, simply setting aside extra cash throughout the month for extra payments will still lower the total cost of interest paid.

Not exact matches

Cons: You now no longer own that asset and you have to pay off the cost of the equipment, plus interest.

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.

I see no evidence that most Canadians actually pay attention to Carney's sporadic announcements; the available evidence strongly suggests they're influenced more by his setting of the overnight rate, which goes a long way in determining the interest costs on their mortgages and lines of credit.

Just as debt deflation diverts income to pay interest and other financial charges — often at the cost of paying so much corporate cash flow that assets must be sold off to pay creditors — so the phenomenon leads to stripping the natural environment.

While the interest rates it advertises online tend to be lower than most banks or direct lenders, a quick look at the underlying assumptions shows that these rates are the result of factoring in mortgage discount points, which must be paid for upfront as an extra item in your mortgage closing costs.

In other words, as the lenders cost of funds changes, so does the interest rate you pay — going either up or down.

So why are all political parties afraid of borrowing money at historically low interest rates to pay for needed infrastructure spending that might actually pay for itself through higher productivity and higher income, without any cost to the taxpayer?

While the monthly payment may be more cost - effective than a standard or graduated repayment plan, borrowers may pay more over the life of the loan in interest accrual.

So why are all political parties afraid of borrowing money at historically low interest rates to pay for needed infrastructure spending that could pay for itself through higher productivity and earned income, without any cost to the taxpayer?

• Self - employed retirement and IRA contributions • Half of self - employment taxes paid • Alimony payments • Health savings accounts or self - employed health insurance payments • Student loan interest and qualified tuition costs

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.

6 Ways To Reduce Your Home Mortgage Interest Costs The amount of interest you pay on your home mortInterest Costs The amount of interest you pay on your home mortinterest you pay on your home mortgage may

Many lenders and business owners only focus on the APR (Annual Percentage Rate) or AIR (Annual Interest Rate), but you should also ask about the total cost of financing so you can see exactly how much you're paying back.

This can be true even for investors today since (over a relatively long horizon) the benefit of the tax deduction can offset the cost of paying the higher interest rate on interest - only loans that now apply.

As a general rule, a short - term loan will have a higher periodic payment, but a lower total interest cost of the loan when compared to a longer - term loan — even if that loan includes a lower interest rate, because the business is paying interest over a longer period of time.

If you can avoid paying interest altogether, you can save money and use your credit card rewards to cover the cost of other bills and debts.

Typically, the loan will be paid back over a set period of time, known as the loan term, and you'll be charged a percentage of the remaining balance in interest each month as a cost of borrowing the money.

Not only does it cost you interest, but it can cost you down the line in the form of a lower credit score, causing you to pay higher interest rates on mortgages and car loans.

You're paying more money up front, in the form of closing costs, but you'll pay less in interest over time.

This will increase the total cost of your loans over time, because you will then pay interest on the increased loan principal balance.

Operating margin measures how much profit a company makes on a dollar of sales, after paying for variable costs of production such as wages and raw materials, but before paying interest or tax.

What you pay each month on your mortgage depends on the length of mortgage you choose and its interest rate, along with ancillary costs you pay through your mortgage lender.

If you acquired a business loan that provided you startup costs for your business and used 100 percent of the money for your business, then 100 percent of the interest you paid is deductible.

Bottom line: Make sure you know how much interest you'll pay over the life of the mortgage, plus lending fees, like points, and other costs, like mortgage insurance.

McDonald's issues $ 50 million in bonds with a maturity of 30 years The bonds have a face value (cost) of $ 1,000 and an interest rate of 3.5 % McDonald's pays investors 1.75 % in interest, twice a year for 30 years At the end of 30 years, McDonald's pays the $ 50 million back to investors at $ 1,000 for each bond they hold

5) When the banks, flush with the huge profits stemming from the carry - trade opportunities provided by many years of limitless access to near - zero - cost short - term credit, pay back the TARP money with a smidgen of interest, declare the whole exercise to be a resounding success for taxpayers and the economy.

They're allowed to give you self - interested advice — for example, by selling you the class of mutual - fund shares that pays the highest commissions instead of lower - cost shares in the same fund.

This would allow you to pay off your mortgage faster, and potentially save a lot of money in interest costs over time.

For example, you can choose the number of years in your loan (i.e. term); you can choose the nature of your interest rate (i.e. fixed - rate or adjustable - rate); and, you can even choose what you pay in mortgage closing costs.

The cash value of a universal life insurance policy accumulates based on the amount of premium paid, monthly deductions for policy costs and an interest rate that is declared by the insurance company.

● Lower interest costs and get you out of debt faster A Consolidation Loan could have a lower interest rate than your high interest credit cards, allowing you to save on interest costs so you can pay off higher - interest debt faster.

A cap is the maximum interest rate the issuer will pay regardless of how high the reference rate may go, and therefore protects the issuer from escalating interest costs.

This $ 5 difference does not imply that «the market» expects the price of oil to be $ 5 / barrel higher in December - 2016 than it is today; it implies that the cost of storing oil for the next 18 months plus the interest income that would be foregone (or the interest that would have to be paid) equates to about $ 5 / barrel.

If BOE reacted like the Bank of France and raised interest rates to 100 % and said,» We're just going to do whatever we have to do and you have to pay the cost.»

For borrowers who are able, one way to avoid excess interest capitalization is to pay down some of the interest costs while still in school.

Interest - only loans allow borrowers to defer paying back their full loan amount and only pay for the cost of borrowing money, i.e. iInterest - only loans allow borrowers to defer paying back their full loan amount and only pay for the cost of borrowing money, i.e. interestinterest.

There is no unique way of calculating a real interest rate because different borrowers pay different real costs of borrowing, depending on the term and degree of risk of the loan.

However, the lower monthly payment comes at a cost of paying more in interest over the life of the loan.

Relative to those huge rewards, paltry shifts in the cost of borrowing or in the interest rate paid for doing nothing will barely move the needle.

Overall, you'd pay $ 1,279 in interest, putting the total cost of the loan at $ 11,279.

PenFed offers home equity lines of credit of up to $ 400,000 with interest rates as low as 4.25 % APR * — and, best of all, PenFed will pay most of your closing costs ¹ to keep your up - front expenses low.

The interest rate banks charge on such loans must be greater than the interest rate they pay to obtain the funds initially — the cost of funds.

The difference between the average yield of interest obtained from loans and the average rate of interest paid for deposits and other such funds (or the cost of funds) is called the net interest spread, and it is an indicator of a financial institution's profit.

For lenders, such as banks and credit unions, cost of funds is determined by the interest rate paid to depositors on financial products, including savings accounts and time deposits.

Club has paid for the cost (original and interest of debt) of new stadium and made profit every year for 14 years by its own resource.

Arsene has already said he is not interested in paying massive sums for players like Bale or Ronaldo, but Di Maria would cost about the same and is only half the player of those two.

Time for some brutal honesty... this team, as it stands, is in no better position to compete next season than they were 12 months ago, minus the fact that some fans have been easily snowed by the acquisition of Lacazette, the free transfer LB and the release of Sanogo... if you look at the facts carefully you will see a team that still has far more questions than answers... to better show what I mean by this statement I will briefly discuss the current state of affairs on a position - by - position basis... in goal we have 4 potential candidates, but in reality we have only 1 option with any real future and somehow he's the only one we have actively tried to get rid of for years because he and his father were a little too involved on social media and he got caught smoking (funny how people still defend Wiltshire under the same and far worse circumstances)... you would think we would want to keep any goaltender that Juventus had interest in, as they seem to have a pretty good history when it comes to that position... as far as the defenders on our current roster there are only a few individuals whom have the skill and / or youth worthy of our time and / or investment, as such we should get rid of anyone who doesn't meet those simple requirements, which means we should get rid of DeBouchy, Gibbs, Gabriel, Mertz and loan out Chambers to see if last seasons foray with Middlesborough was an anomaly or a prediction of things to come... some fans have lamented wildly about the return of Mertz to the starting lineup due to his FA Cup performance but these sort of pie in the sky meanderings are indicative of what's wrong with this club and it's wishy - washy fan - base... in addition to these moves the club should aggressively pursue the acquisition of dominant and mobile CB to stabilize an all too fragile defensive group that has self - destructed on numerous occasions over the past 5 seasons... moving forward and building on our need to re-establish our once dominant presence throughout the middle of the park we need to target a CDM then do whatever it takes to get that player into the fold without any of the usual nickel and diming we have become famous for (this kind of ruthless haggling has cost us numerous special players and certainly can't help make the player in question feel good about the way their future potential employer feels about them)... in order for us to become dominant again we need to be strong up the middle again from Goalkeeper to CB to DM to ACM to striker, like we did in our most glorious years before and during Wenger's reign... with this in mind, if we want Ozil to be that dominant attacking midfielder we can't keep leaving him exposed to constant ridicule about his lack of defensive prowess and provide him with the proper players in the final third... he was never a good defensive player in Real or with the German National squad and they certainly didn't suffer as a result of his presence on the pitch... as for the rest of the midfield the blame falls squarely in the hands of Wenger and Gazidis, the fact that Ramsey, Ox, Sanchez and even Ozil were allowed to regularly start when none of the aforementioned had more than a year left under contract is criminal for a club of this size and financial might... the fact that we could find money for Walcott and Xhaka, who weren't even guaranteed starters, means that our whole business model needs a complete overhaul... for me it's time to get rid of some serious deadweight, even if it means selling them below what you believe their market value is just to simply right this ship and change the stagnant culture that currently exists... this means saying goodbye to Wiltshire, Elneny, Carzola, Walcott and Ramsey... everyone, minus Elneny, have spent just as much time on the training table as on the field of play, which would be manageable if they weren't so inconsistent from a performance standpoint (excluding Carzola, who is like the recent version of Rosicky — too bad, both will be deeply missed)... in their places we need to bring in some proven performers with no history of injuries... up front, although I do like the possibilities that a player like Lacazette presents, the fact that we had to wait so many years to acquire some true quality at the striker position falls once again squarely at the feet of Wenger... this issue highlights the ultimate scam being perpetrated by this club since the arrival of Kroenke: pretend your a small market club when it comes to making purchases but milk your fans like a big market club when it comes to ticket prices and merchandising... I believe the reason why Wenger hasn't pursued someone of Henry's quality, minus a fairly inexpensive RVP, was that he knew that they would demand players of a similar ilk to be brought on board and that wasn't possible when the business model was that of a «selling» club... does it really make sense that we could only make a cheeky bid for Suarez, or that we couldn't get Higuain over the line when he was being offered up for half the price he eventually went to Juve for, or that we've only paid any interest to strikers who were clearly not going to press their current teams to let them go to Arsenal like Benzema or Cavani... just part of the facade that finally came crashing down when Sanchez finally called their bluff... the fact remains that no one wants to win more than Sanchez, including Wenger, and although I don't agree with everything that he has done off the field, I would much rather have Alexis front and center than a manager who has clearly bought into the Kroenke model in large part due to the fact that his enormous ego suggests that only he could accomplish great things without breaking the bank... unfortunately that isn't possible anymore as the game has changed quite dramatically in the last 15 years, which has left a largely complacent and complicit Wenger on the outside looking in... so don't blame those players who demanded more and were left wanting... don't blame those fans who have tried desperately to raise awareness for several years when cracks began to appear... place the blame at the feet of those who were well aware all along of the potential pitfalls of just such a plan but continued to follow it even when it was no longer a financial necessity, like it ever really was...

You shall further fully indemnify and keep Car Throttle fully indemnified against any costs, claim, demand, action, damages, loss and / or expense (including but not limited to any direct, indirect or consequential losses, loss of profit, loss of reputation and all interest penalties, legal costs and any other reasonable costs and expenses suffered or incurred by Car Throttle) arising directly or indirectly from any breach or non-performance by you of this Agreement and you shall pay all such costs, claim, demand, action, damages, loss and / or expense forthwith on demand by Car Throttle.