Personal loans offer a method to finance some of life's larger expenses, as well as help consolidate higher
interest rate debt in certain circumstances.
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.
And while Macdonald did not look into it, other studies have pointed to another major influence China has had lately on many countries, including Canada: how its high savings
rate and mounting foreign currency reserves, much of it invested
in benchmark U.S. government
debt, have depressed
interest rates around the world.
In its latest Annual Report, it argued that «even if inflation does not rise, keeping interest rates too low for long could raise financial stability and macroeconomic risks further down the road, as debt continues to pile up and risk - taking in financial markets gathers steam.&raqu
In its latest Annual Report, it argued that «even if inflation does not rise, keeping
interest rates too low for long could raise financial stability and macroeconomic risks further down the road, as
debt continues to pile up and risk - taking
in financial markets gathers steam.&raqu
in financial markets gathers steam.»
But
in recent years, as the Bank of Canada held
interest rates to historically low levels and consumer
debt skyrocketed, the federal government tightened mortgage restrictions on regulated financial institutions, including HCG.
Hacking away at $ 348.8 - billion
in total
debt would give the province more room to deal with the next recession — especially
in an era of economic uncertainty and rising
interest rates.
This suggests a return to the normalized
rate of 5.5 %, which would result
in Ontario's annual
interest costs moving from $ 12 billion to $ 13 billion and climbing to $ 17 billion once all
debt is refinanced.
The time spent
in the work force before launching Swift helped Harris refinance his loans to a lower
interest rate through SoFi, one of a few new marketplace lenders focusing on student - loan
debt.
But low
interest rates, at least
in Canada, have pushed household
debt to such vertiginous levels that officials like Carney know they shouldn't be counting on consumer spending to drive the recovery — ergo, the call for more corporate investment.
If you can leave this decade with minimal
debt, you're
in good shape — focus on paying off your highest
interest rate debt, and your credit card balances monthly.
«I will continue to act to ensure that household
debt levels are sustainable, that lenders are acting prudently, and that increases
in interest rates or a housing market downturn don't put at risk the economic growth we are working so hard to accelerate,» Morneau said.
On the other hand, leaving the
interest rate low encourages the kind of borrowing and spending that has produced record - high levels of consumer
debt in Canada and pushed housing prices into the stratosphere.
Even though our activities are likely to result
in a lower national
debt over the long term, I sometimes hear the complaint that the Federal Reserve is enabling bad fiscal policy by keeping
interest rates very low and thereby making it cheaper for the federal government to borrow.
«We are unlikely to see higher
interest rates soon, since with $ 15 trillion
in debt constantly rolling over, as a country we can't afford higher
interest rates,» Backus says.
Gain related to
interest rate swaps The company recognized a pre-tax gain of $ 14 million
in the three months ended March 31, 2018, within
interest and other expense, net related to certain forward - starting
interest rate swaps for which the planned timing of the related forecasted
debt was changed.
And if
interest rates go up, the government would have to pay much more to finance the more than $ 14 trillion
in Treasury
debt held by investors.
SecondMarket is the largest centralized marketplace and auction platform for illiquid assets, such as asset - backed securities, auction -
rate securities, bankruptcy claims, collateralized
debt obligations, limited partnership
interests, private company stock, residential and commercial mortgage - backed securities, restricted securities and block trades
in public companies, and whole loans.
Taking on wedding - related
debt could damage your credit score — and result
in a higher
interest rate on that mortgage, he said.
In the near term, higher
interest rates will have an immediate effect on consumers with credit card
debt, home equity lines of credit and those carrying adjustable
rate mortgages.
Gecamines said
in its statement that annual
interest rates on Kamoto's
debts had reached 14 percent.
«Pockets of risk have begun to emerge» following several years of exceptionally low
interest rates that have changed how lenders and borrowers view
debt, Morneau told a news conference
in Toronto.
Lower
interest rates, the report noted, could provide some cushion for
debt servicing to vulnerable firms with an
interest cover between 1 and 1.75 - comprising around 15 percent of the total
debt of top 500 listed borrowers
in fiscal 2015.
For a Wharton MBA borrowing the money on a standard 10 - year repayment plan, the
debt amounts to about $ 1,408
in monthly payments, assuming a 6.8 %
interest rate and a total of $ 46,618
in interest charges.
Before policymakers and pundits conclude that the rise
in student loans is the cause of the decline
in rates of entrepreneurship among millennials — and decide that
debt relief is the way to boost entrepreneurial activity among young people today — they should consider that waning
interest in entrepreneurship predates the student loan crisis by many years.
With
debt crises looming
in the U.S. and the EU, central bankers are still hesitant to heed the advice of observers who warn (as the OECD did
in a recent report), that rock - bottom
interest rates have touched off problematic inflation.
Data from the Portuguese Finance Ministry showed that the country paid less than 300 million euros ($ 368.49 million)
in interest on its sovereign
debt between 2016 and 2017 due to the increasingly optimistic views from the
ratings agencies.
Not only that, but keep
in mind what
rate each
debt charges, so you can calculate how much you're paying
in interest.
The Bank of Canada, for one, has carefully assessed the economic risks of consumer
debt in order to determine how quickly it can raise
interest rates without piling on too many
debt - servicing costs for over-stretched households.
The main culprit
in the drop off is a pretty hefty
interest expense item associated with $ 25 million
in debt the company issued
in February 2009, which bears an 11 percent
interest rate.
They also fear that at such elevated levels, many Canadian households would be unable to withstand a financial shock such as a loss of income, or a sudden spike
in interest rates that raised
debt services charges.
However, he says there's good reason to think Canada can manage the risks from
debt, which he says is a natural consequence of several factors, including the combination of a strong demand for housing and the prolonged period of low
interest rates maintained
in recent years to stimulate the economy.
Speaking
in Montreal on Thursday, central bank governor Stephen Poloz called household
debt a major risk to the Canadian economy, suggesting the fear of stoking more borrowing as one reason he has not been even more dovish on
interest rate policy.
Subordinated
debt: Has a higher
interest rate than senior
debt does,
in exchange for slightly higher risks (since loans get paid only after senior
debt is paid).
«Look, if you think we can have zero
interest rates forever, maybe it won't matter, but
in my view one of two things is going to happen with all that
debt.
«The public funds, at least
in Pennsylvania, are structured to enable the bank to make a loan that they might not be able to make without the public
debt behind them by enhancing the loan - to - value, reducing the risk to [the bank], and then passing on some benefits [to the borrower]
in the form of lower
interest rates, which help cash - flow issues.»
Yields
in the $ 14 trillion market for U.S. government
debt touched record lows
in 2016, driven by years of aggressive central bank intervention
in the wake of the 2008 - 2009 financial crisis to keep
interest rates low to stimulate the economy.
Represents loss on early extinguishment of
debt and non-cash
interest expense related to losses reclassified from accumulated other comprehensive income (loss) into
interest expense
in connection with
interest rate swaps settled
in May 2015.
The high - grade bond market is springing back to life as corporations race to issue new
debt and get out
in front of a possible Fed
interest rate hike.
Then,
in the early 1990s, the Bank of Canada began inflation targeting, which brought down
interest rates and made the carrying costs of
debt far more manageable.
Largely owing to the secular decline
in interest rates over the last generation, Canadians have developed a cavalier attitude toward
debt that leaves many highly vulnerable to misfortune.
Annualized GAAP
interest expense based upon $ 780 million principal outstanding and using the LIBOR based
interest rate spread
in effect on April 29, 2016, was $ 44 million and included $ 5 million
in debt issuance cost.
he general trend was for average household
debt to move
in the opposite direction of the
interest rate,» Statscan noted.
«The general trend was for average household
debt to move
in the opposite direction of the
interest rate,» Statscan noted.
a government, corporation, municipality, or agency that has issued a security (e.g., a bond)
in order to raise capital or to repay other
debt; the issuer goes to an underwriter to get their securities sold
in the new issue market; for certificates of deposit (CDs), this is the bank that has issued the CD;
in the case of fixed income securities, the issuer of the security is the primary determinant of the security's characteristics (e.g., coupon
interest rate, maturity, call features, etc..)
If you direct any extra money to your highest
interest rate loan first, you may save hundreds of dollars or more
in extra
interest payments and you may be able to get out of
debt faster.
Debt securities
rated below investment grade2 based on the issuer's weaker ability to pay
interest and capital, resulting
in the issuer paying a higher
rate to entice investors to take on the added risk
Given that to remain profitable
in a competitive environment while paying significant positive real
interest rates, a
debt financed company must find productivity improvements through technological advancements.
In fact,
interest payments relative to GDP actually fell while the
debt - GDP doubled because
interest rates plunged extraordinarily.
This is because the province has accumulated a large public
debt that given the prospects for an economic slowdown and / or rising
interest rates will potentially increase fiscal pressure via
debt service costs which
in 2016 - 17 totaled $ 11.7 billion or just over 8 percent of total government spending.
Actual results could differ materially from those expressed
in or implied by the forward - looking statements contained
in this release because of a variety of factors, including conditions to, or changes
in the timing of, proposed real estate and other transactions, prevailing
interest rates and non-recurring charges, store closings, competitive pressures from specialty stores, general merchandise stores, off - price and discount stores, manufacturers» outlets, the Internet, mail - order catalogs and television shopping and general consumer spending levels, including the impact of the availability and level of consumer
debt, the effect of weather and other factors identified
in documents filed by the company with the Securities and Exchange Commission.