For example, if you buy a UL policy
in times of high interest rates, your cash values may accelerate rapidly, outperforming your original expectations, and allowing you to pay less in premiums in future years.
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.
Specifically, there are concerns about what might happen should the tide turn
in the bond markets when 30 years
of falling
interest rates reverses at a
time when the Federal Reserve is preparing to tighten monetary policy by forcing
rates higher.
The U.K. had been expected to follow close behind the Federal Reserve
in raising
interest rates for the first
time in nearly a decade, but with lower commodity prices and weak wage growth still keeping a lid on inflation, economists now think that the U.K. may not raise
rates till 2017 — even though new data out Wednesday showed the employment
rate hit a 45 - year
high of 74 %
in the three months to November.
Parents hoping to teach their children the power
of compound
interest on their savings today will have a harder
time than parents
in the 1970s and 1980s, when
interest paid on savings accounts soared above 10 per cent compared with
rates today, when even the
highest - paying savings accounts sit
in the low single digits.
In January, according to the Times, HNA Group companies bombarded employees with a variety of e-mail pitches promising high rates of interest in exchange for short - term loan
In January, according to the
Times, HNA Group companies bombarded employees with a variety
of e-mail pitches promising
high rates of interest in exchange for short - term loan
in exchange for short - term loans.
While it can be helpful to be able to have your parents borrow on your behalf, keep
in mind that
interest rates on PLUS loans are
higher than on subsidized and unsubsidized federal direct student loans, and also carry a one -
time loan fee
of nearly 4.3 percent.
Expect annual
interest rates in the range
of 10 % to 80 %, which is 2 to 10
times higher than what banks customarily charge.
Confronted with the choice
of whether to «lean» or to «clean» — leaning against emerging financial imbalances by keeping
interest rates higher than they otherwise would be or cleaning up
in the event the risks they create are realized by providing stimulus — central bankers at that
time generally agreed that cleaning would be best.
In return for that
time guarantee, the bank pays you a
higher rate of interest than a typical savings account.
«Every
time the bond market moves dramatically and unexpectedly
higher in yield, the consensus forecast plays catch - up,» says Matthew Hornbach, Global Head
of Interest Rate Strategy for Morgan Stanley Research.
«Credit unions continue to provide the best deals, offering over 10
times more
interest on checking accounts than regional banks, as well as 573 %
higher rates on savings accounts than national banks,» WalletHub says
in an emailed summary
of the study.
These risks and uncertainties include food safety and food - borne illness concerns; litigation; unfavorable publicity; federal, state and local regulation
of our business including health care reform, labor and insurance costs; technology failures; failure to execute a business continuity plan following a disaster; health concerns including virus outbreaks; the intensely competitive nature
of the restaurant industry; factors impacting our ability to drive sales growth; the impact
of indebtedness we incurred
in the RARE acquisition; our plans to expand our newer brands like Bahama Breeze and Seasons 52; our ability to successfully integrate Eddie V's restaurant operations; a lack
of suitable new restaurant locations;
higher - than - anticipated costs to open, close or remodel restaurants; increased advertising and marketing costs; a failure to develop and recruit effective leaders; the price and availability
of key food products and utilities; shortages or interruptions
in the delivery
of food and other products; volatility
in the market value
of derivatives; general macroeconomic factors, including unemployment and
interest rates; disruptions
in the financial markets; risk
of doing business with franchisees and vendors
in foreign markets; failure to protect our service marks or other intellectual property; a possible impairment
in the carrying value
of our goodwill or other intangible assets; a failure
of our internal controls over financial reporting or changes
in accounting standards; and other factors and uncertainties discussed from
time to
time in reports filed by Darden with the Securities and Exchange Commission.
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.
Students
in every mainstream macroeconomics class, and that means almost all students, would have predicted, based on the nonsense they were learning, that the
high deficits and
high public debt ratios
in Japan at the
time, should have driven
interest rates sky
high, that bond markets should have stopped buying government bonds, that the government should have run out
of money, and all the
time that these disasters were unfolding, that inflation should have been be galloping towards hyperinflation.
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.
May 3 - Rising costs start to squeeze American businesse CNN Money May 3 - Home Prices Jump Again And «$ 3 Gas Is Coming» Dollar Collapse May 3 - Gold price claws its way
higher on Fed meeting and geopolitics Gold - Eagle May 2 - Q&A on SS Central America Gold Coins CoinWeek May 2 - Goldman says case for owning commodities has «rarely been stronger» than it is now CNBC May 2 - Gold, Silver See Corrective Bounces Ahead
Of FOMC Statement Kitco May 1 - Gold Eagle Sales Still Faltering While Mining Output Collapses — Perfect Storm Daily Coin May 1 - Relentless USD Rally Is Precious Metal Kryptonite GoldSeek Apr 30 - Venezuelan Inflation: The Demise of Fiat Currency in Real Time GoldSilver Apr 30 - Silver Market Update Clive P. Maund Apr 27 - Finest 1913 Liberty Head 5 - cent coin will headline ANA auction Coin World Apr 27 - PCGS security features help police nab suspects in robbery case Coin Update Apr 27 - The Most Famous Coin of Antiquity — the Athenian Owl Coin Week Apr 27 - Gold gains but remains vulnerable after Korean leaders meet Reuters Apr 26 - The Era of Very Low Inflation and Interest Rates May Be Near an End NY Times Apr 26 - What Is Gold: Asset, Commodity, Currency Or Collectibl
Of FOMC Statement Kitco May 1 - Gold Eagle Sales Still Faltering While Mining Output Collapses — Perfect Storm Daily Coin May 1 - Relentless USD Rally Is Precious Metal Kryptonite GoldSeek Apr 30 - Venezuelan Inflation: The Demise
of Fiat Currency in Real Time GoldSilver Apr 30 - Silver Market Update Clive P. Maund Apr 27 - Finest 1913 Liberty Head 5 - cent coin will headline ANA auction Coin World Apr 27 - PCGS security features help police nab suspects in robbery case Coin Update Apr 27 - The Most Famous Coin of Antiquity — the Athenian Owl Coin Week Apr 27 - Gold gains but remains vulnerable after Korean leaders meet Reuters Apr 26 - The Era of Very Low Inflation and Interest Rates May Be Near an End NY Times Apr 26 - What Is Gold: Asset, Commodity, Currency Or Collectibl
of Fiat Currency
in Real
Time GoldSilver Apr 30 - Silver Market Update Clive P. Maund Apr 27 - Finest 1913 Liberty Head 5 - cent coin will headline ANA auction Coin World Apr 27 - PCGS security features help police nab suspects
in robbery case Coin Update Apr 27 - The Most Famous Coin
of Antiquity — the Athenian Owl Coin Week Apr 27 - Gold gains but remains vulnerable after Korean leaders meet Reuters Apr 26 - The Era of Very Low Inflation and Interest Rates May Be Near an End NY Times Apr 26 - What Is Gold: Asset, Commodity, Currency Or Collectibl
of Antiquity — the Athenian Owl Coin Week Apr 27 - Gold gains but remains vulnerable after Korean leaders meet Reuters Apr 26 - The Era
of Very Low Inflation and Interest Rates May Be Near an End NY Times Apr 26 - What Is Gold: Asset, Commodity, Currency Or Collectibl
of Very Low Inflation and
Interest Rates May Be Near an End NY
Times Apr 26 - What Is Gold: Asset, Commodity, Currency Or Collectible?
In another well - flagged move, the Bank of England (BoE) raised interest rates in the United Kingdom (UK) for the first time since the global financial crisis, following data showing third - quarter UK growth was a little higher than consensus forecast
In another well - flagged move, the Bank
of England (BoE) raised
interest rates in the United Kingdom (UK) for the first time since the global financial crisis, following data showing third - quarter UK growth was a little higher than consensus forecast
in the United Kingdom (UK) for the first
time since the global financial crisis, following data showing third - quarter UK growth was a little
higher than consensus forecasts.
I'm actually
in the process
of of a first -
time home buy, and was
in talks for waiving a few fees; however, we ended up going with a state - funded first
time homebuyer program that had a
higher interest rate, but gave us $ 15,000 downpayment assistance.
Opening a credit card
in your name, charging no more than 30 percent
of the limit, and paying it off
in full and on
time each month is the best way to earn a
high credit score — which is the key to qualifying for low
interest rates on a car loan, mortgage, or personal loan.
At the
time, the typical home loan required buyers to make downpayments
of fifty percent or more on a home; carried very
high interest rates; and, required that loans be paid back
in five years or fewer.
«For the first
time in years,
interest rates are beginning to rise — making it increasingly important for Canadians looking to buy a home to stress - test their mortgage against a
higher rate to ensure they can afford it over the long term,» said Martin Nel, Head, Personal Banking, BMO Bank
of Montreal.
The Bank
of Canada is optimistic
higher interest rates and regulatory efforts to rein
in risky borrowing will make the country's financial system more resilient, though the process could take
time to unfold and the outcome remains uncertain.
You can also consider a 15 - year fixed -
rate mortgage which allows you to pay off your loan
in a shorter period
of time and has a lower
interest rate, but the drawback
of this is that your monthly payments will be
higher.
With a normal yield curve, bond buyers essentially demand a
higher rate of interest in order to lend money for 30 years than they will to loan money for 30 days since they will be locking up their money for a longer period
of time.
Certain
of those guarantees were designed for sale
in times when
interest rates were
higher.
At the same
time, with rising life expectancy the number
of years spent
in retirement has increased dramatically, health care costs are
high and rapidly rising, and
interest rates are at historic lows.
At the same
time that the federal government was getting out
of the housing business, the economy
in Massachusetts and other New England states was rebounding and the
high interest rates that had dampened the real estate market
in the late «70s and early «80s were easing.
These can be helpful if you take advantage
of the lower
rate for the set period
of time and then refinance before the
higher rate kicks
in so you end up paying less toward the
interest and more toward the principal.
The sharemarket is back
in negative territory for the first
time since February as the reality
of higher interest rates in the United States sends traders scrambling for cover and out
of popular defensive trades.
And with the majority
of states now implementing more rigorous academic standards aiming to help more students graduate better prepared for life after
high school, and with the nation watching to see if this shift indeed leads to improved outcomes,
interest in the graduation
rate is unlikely to subside any
time soon.
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.
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 effect
of the proposed separation
of NOOK Media, 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, risks associated with the commercial agreement with Samsung, 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 (including with respect to the
timing of the completion thereof), the risk that the transactions with Pearson and Samsung 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 previously undertaken, including any risks associated with a reduction
of international operations following termination
of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination
of Microsoft commercial agreement, including potential customer losses, 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 May 3, 2014, and
in Barnes & Noble's other filings made hereafter from
time to
time with the SEC.
The weighted average savings calculation is based on the following assumptions: (1) The borrower's loan term selected for the refinancing is the same as the term
of his / her original loan; (2) A 0.25 %
interest rate reduction for enrolling
in automatic payments (optional for borrowers); (3) On -
time payments
of all amounts that are due; and (4) A static
interest rate (Note: variable
interest rates may move lower or
higher throughout the term
of the loan).
At the
time, the typical home loan required buyers to make downpayments
of fifty percent or more on a home; carried very
high interest rates; and, required that loans be paid back
in five years or fewer.
A CD offers a
higher interest rate in exchange for a commitment to keep the money
in the CD for a specific period
of time.
Most
of the
time this is because their
interest rates are too
high or their monthly payments, while also
high, are still too low to make a dent
in the principal amount.
High interest rates, short repayment
times and disastrous consequences for defaulting are common threads
in the very large family
of loans to avoid.
If you believe
interest rates will remain low for a long
time, then getting the extra 1 %
in the PenFed 7 - year 3.5 % CD (compared to the Ally 5 - year 2.49 % CD) may be worth the risk
of paying the
higher early withdrawal penalty (i.e., if you're wrong and
interest rates increase a lot).
You may want to also read Bad Credit First
Time Home Buyer Mortgage Loans or Bad Credit Home Loan Mortgage Refinancing If your late on your current mortgage payments, read Stopping A Foreclosure On A Home If you have a past home foreclosure, please read Credit Repair After A Foreclosure Learn how to Protect Yourself From Predatory Lenders How to get the best Bad Credit Mortgage
Interest Rates Learn what to do If Your Mortgage Lender Goes Bankrupt Avoid and Beware
Of High Fee Mortgage Refinancing
Rates Finding Apartments For People With bad Credit Learn about Home Loans With A Bankruptcy Although all information has been written
in good faith and reviewed, please email us at [email protected] to report any inaccuracies.
An
interesting item
in the HUD study was that borrowers who opted for no - cost loans realized more benefit than would be expected — they did pay a
higher interest rate to compensate for having no loan costs, but the increased
rate did not offset the cost savings most
of the
time.
Whichever source
of funds you decide to use, secured lines
of credit provide both great flexibility for solving cash flow difficulties and at the same
time inexpensive financing because they charge low
interest rates and provide
high credit limits with low minimum payments letting you decide how and when you want to repay the money you withdraw
in full.
Stocks are good to own if a company is experiencing annual growth
in sales and net income and bonds are good own
in times of decreasing
interest rates or if an investor carries the bond to maturity collecting a
high coupon
rate.
In comparison to variable
interest rate loans, fixed
interest rate loans will generally have a
higher interest rate at the
time of borrowing.
Many
of the people with current financial problems and
in need
of finance are
in trouble precisely because
of the casual way
in which they used credit cards before finding they had built up balances that were incurring
high interest rates at the same
time as their available credit dried up.
In my opinion, a renovation loan is a much more wise financial choose over charging up
high interest rate credit cards to make the changes over a longer period
of time.
Unlike those who have all their money
in 10 year bonds and are either «locked
in» with the
interest rate the bonds had at their
time of purchase, or forced to sell for a loss if they want a
higher rate.
In Oklahoma, it's possible to get a mortgage and also qualify for first -
time homebuyer's assistance with that type
of credit score, but we wanted a better
interest rate and decided to delay buying a home until our scores were a little
higher.
Interest rates in the U.S. spiked suddenly at this
time, and a lot
of different bond investments dropped
in price,
high - yield ETFs included.
Over the long run, this means you'll save a lot
of money
in interest payments, and technically helps you pay off your loans faster (since
higher interest rates increase your balance, potentially adding extra
time to your payment schedule).