Sentences with phrase «large interest rate increases»

Small reduction in costs equal small rate increases, while large reduction in closing costs equal large interest rate increases.

Not exact matches

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.

Both Chase savings accounts have APYs below the national average, and even depositing large amounts into Plus Savings will only increase your interest rate from 0.01 % to 0.08 % at most.

Newmont Mining, a large gold producer, could be affected if the Federal Reserve increases interest rates, said Koos.

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.

Other factors may have been a degree of illiquidity in the swap market in the face of large increases in private sector bond issuance and rising interest rates.

Of particular relevance, under the current monetary regime it is not only possible for a large, general increase in the desire to save to be accompanied by rising interest rates, it is highly probable that when a large rise in interest rates happens it will be accompanied by a general desire to save more.

Analyst Sterling Auty initiated coverage of the company with an Overweight rating and a price target of $ 18, saying that MSS was a large market that is witnessing increasing interest from enterprise customers.

«It is unlikely that historically low rates of deforestation can persist in the face of growing pressures to clear land due to increases in population, demand for wood and charcoal, cropping with reduced fallow periods leading to soil degradation, and international interests in large scale land investments for oil, biofuel and other crops,» the study states.

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.

If I was planning on borrowing to pay for a large purchase like a basement renovation or vehicle and interest rates increased, I would want to calculate the total cost (including all interest).

I don't have any large purchases planned this year but if I did, an increase in interest rates would make me think twice about borrowing money for my purchases.

Both Chase savings accounts have APYs below the national average, and even depositing large amounts into Plus Savings will only increase your interest rate from 0.01 % to 0.08 % at most.

«However, for low - to - moderate UPB borrowers taking out larger amounts of equity — again narrowing the scope to borrowers that will continue to itemize — the post-tax math may now favor cash - out refinances instead, even if it results in a slight increase to first - lien interest rates.»

The long - term interest expense on large balances are magnified if rates increase.

It could be a large amount of debt, decreased earnings, increased interest rates, and many other reasons.

Few know that there are large fees, hidden charges, and increased interest rates lurking around the corner.

If you are carrying a significant balance at the time of increase, a high interest rate can result in a large finance charge.

«When rates go up, there is a ripple effect that will likely lead to an interest rate increase on variable rate products,» said Bruce McClary in an interview, a spokesman for the National Foundation for Credit Counseling based in Washington, D.C. «In most cases, it is not a very large change, but even the most insignificant increases can have a major impact on budgets that are very tight.»

They prefer to take the risk of interest rates not increasing enormously, thereby for a period of time holding the payments of larger loans to a minimum.

The larger the interest rate you receive, the less savings that you'll be able to realize on a monthly basis due to the increased mortgage cost.

They can make their monthly payments larger, lowering their interest rate or they can make their payments less, therefore increasing their interest rate and length of repayment.

If you only expect to have the loan for a year or two, it's unlikely that interest rates will increase by so much as to make the monthly payments too large to handle.

The rate increase by the Bank of Canada is expected to prompt Canada's large banks to raise their prime lending rates, a move that will drive up the cost of variable - rate mortgages and other variable - interest rate loans.

But in Ontario and B.C., a much larger proportion of people are worried about interest rates going up and locking them out of the housing market, or when it comes time to refinance, increasing their financial strain.»

In 1995, the Affordable Price increased, reflecting the drop in mortgage interest rates which allowed a larger mortgage to be carried.

This method of debt management is usually secured to pay off student loans or credit card debt that carries large interest rates that may increase frequently.

Still, future increases will in large part depend on how quickly and how high interest rates move up.

However, the biggest personal experience I've seen is the increased interest rate costs when buying a large business.

There is no formal limit to the number of creditors that a debt consolidation loan can cover, though if you owe debts to a large number of creditors, then your credit rating will likely be poor, and as such you will be offered an increased interest rate, or only a secured loan.

Yes, they have the potential to: i) benefit massively, at least in the short - term, from a spike / step - change in volatility, and / or a large market decline, and ii) possibly benefit longer - term from an accompanying spike or sustained increase in interest rates (and / or credit spreads)-- historically, a primary driver of broker profitability was interest earned on client balances, which has now been almost eliminated.

Caps protect the borrower from large, unexpected interest rate increases.

Getting out of credit card debt is very difficult because many credit card companies have found that there are numerous ways to increase credit card debt after you have placed a large balance on your credit card, including charging late fees, over limit fees, and high interest rates on the credit cards that you hold.

In the event that the fund holds a large portion of its portfolio in longer duration securities when interest rates increase, the share price of the fund may fall significantly.

Painful struggles with increasing firm overdrafts and personal debt are symptomatic of underlying structural problems with the profession, and the cash flow challenges facing many firms are just another indicator that it's time to get out before the interest rates rise and bankruptcy looms large.

«However, the lack of wage increases is leaving a large pool of potential homebuyers on the sidelines who otherwise would be taking advantage of low interest rates.

One of these factors is the public REITs» cost of capital, which had risen earlier in 2016, improved midway through the year and then increased again in large measure as a result of actual or perceived changes in the interest rate environment.

Statistics show this group of young adults now makes up the largest group of buyers in the market, but lower interest rates and an increasing job market are not the only factors driving them to homeownership.

«A second - round interest rate increase... has essentially been fully priced into the market... What happens next in terms of the longer - term trajectory of policy remains a large question mark.»

It therefore seems that the new stricter bylaws on qualification for uninsured mortgages together with increased interest rates are taking a bite at least in the two most unaffordable large markets in Canada.

As interest rates started to climb, Smoke said Realtor.com experienced a large increase in potential first - time homebuyers examining the site for homes.

Interest rates are expected to start edging upward during the next two years, but the study says a large increase in rates is unlikely.

For the ARMs I did it on the assumption that interest rates increased by the largest amount permitted by the loan contract — a worst case.

For example, if the interest rate on the 5/1 ARM rose from 2.625 percent to 8.625 percent, which is the largest increase the contract allows, the payment on a $ 300,000 loan would rise from $ 1,205 initially to $ 2,124 in month 85.

This could be a result of high unemployment, fear of interest rate increases or other factors which make people think twice about moving up into a larger home or purchasing a home for the first time.

They are usually reduced with larger down payments, or an increase in interest rate.