Another factor that has a major impact on your mortgage and
other borrowing rates is your creditworthiness.
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.
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.
While the lower tax
rate and
other provisions could free up cash for some companies, the firm notes that
borrowing costs could rise for
others due to changes in rules on deductions.
Some see higher
rates as a vote of confidence on the strength of the economy, while
others consider increased
borrowing costs a threat to the bull market that began amid — and was fueled by — historically low
rates and extraordinary Fed stimulus.
The record high levels of consumer debt among Canadians has also raised a red flag from Bank of Canada governor Mark Carney and
others who have warned that interest
rates will rise at some point — raising the cost of
borrowing.
Like many
other Chinese developers, Country Garden has
borrowed money from overseas, which could leave it vulnerable to any weakening in the Chinese currency and to higher interest
rates in the United States.
Borrowing from your 401k isn't always a bad idea, especially if your
other loan options come with a higher interest
rate.
Fed interest
rates impact what banks charge each
other, and based on that, banks decide what to charge businesses and consumers who
borrow.
The federal government can
borrow at a much lower interest
rate than the
other jurisdictions, given its strong credit position.
You can
borrow up to $ 250,000 for working capital or
other needs with a maximum interest
rate of 9.75 %, which are great terms for new businesses.
Higher
rates may dampen
borrowing and result in higher returns on savings, CDs and
other investments.
Some of the best indicators for mortgage
rate movement include the yield on 10 - year Treasury bonds from the government and the LIBOR — a
rate that determines how much banks must pay to
borrow money from each
other.
The policy loan provision stipulates the amount you can
borrow against your cash value, the
rate of interest, and
other terms for policy loans.
Banks and
other institutions could lend more money every time the Fed reduced
rates, and this led consumers to feel more confident in
borrowing more, but it stressed their actual financial system beyond repair in many cases, and it caused stress for those that didn't
borrow because they felt priced out of the housing market.
Many people choose home equity loans over
other common
borrowing alternatives since the interest
rate may be lower and may also be tax deductible.
When central banks make adjustments that raise or lower the cost of short - term
borrowing,
other rates will follow, including the interest
rate on your variable -
rate loan.
You can think of the index as the «going
rate» at which banks
borrow money from
other banks.
Specifically, by altering the supply of bank reserves, the Fed could influence the federal funds
rate — the
rate banks paid
other banks to
borrow reserves overnight — and so keep that
rate on target.
The fed funds
rate directly or indirectly influences many
other interest
rates in our economy — if you
borrow or lend.
Its target was the federal funds
rate, the interest
rate paid by banks to
borrow reserves from
other banks.
Over the past couple of years, speculators have also used short sales of gold to obtain low cost funds to invest in
other assets — for example, by shorting gold (
borrowing it and selling it in the spot market), market participants have been able to obtain US dollars at between 1 and 2 per cent, well below the
rate of return available on US assets.
-LRB-...) «As funding
rates rise, the burden from higher
borrowing costs will end up stressing corporate America, which means companies will look for
other ways to reduce expenses,» Minerd said.
This reflects borrowers switching from loan products with higher interest
rates, such as traditional fixed - term personal loans, to products which attract lower
rates of interest, such as home - equity lines of credit and
other borrowing secured by residential property.
Borrowing rates will rise for governments, home buyers and
other long - term borrowers, while savers will see more returns on conservative holdings such as savings accounts and it should become easier to fund pension savings.
Although I don't pretend to understand all the «ins & outs» of banking, public financing, etc., it seems to me to be self - evident that if Canadian governments at all levels were able to
borrow, at low or preferably no interest
rates, to finance infrastructure projects and
other issues such as health care and education, rather than indebting Canadians in perpetuity in order to pay big interest payments to the greedy Big Banks, it would ultimately be in the best interests of most ordinary Canadians.
Markets through arbitrage would then increase the interest
rates banks pay each
other to
borrow reserves.
This is evident in a number of developments, including: increased demand for higher - risk assets; the increase in «carry trades» — a form of gearing where funds are
borrowed short - term at low interest
rates and invested in higher - yielding assets, often in
other countries; growth in alternative investment vehicles such as hedge funds; and growth in alternative investment strategies such as selling embedded options (see Box A).
Selling gold short has therefore been an alternative to the «yen - carry» trade which saw market participants fund investments in various markets by
borrowing yen (at almost zero cost due to the low interest
rates in Japan) and selling it for
other currencies, mostly US dollars.
Not that much higher because they're still secured by a home (the home as collateral), the interest
rates people typically pay on them are lower than those of nearly any
other sort of
borrowing.
By the end of the year, the Fed had reduced interest
rates to near zero and had launched controversial programs, such as buying bonds to lower mortgage and
other long - term
rates to spur
borrowing.
The
rate which depository institutions
borrow from each
other overnight will (overtime) manifest into higher
borrowing costs for consumer loans, etc..
Mortgages are similar to
other loans in that there is some amount
borrowed; a
rate of interest paid to the lender; and, a pre-determined number of years over which the loan must be repaid.
While FICO won't penalize you for
rate shopping an auto loan or mortgage, too many inquiries for
other kinds of
borrowing can really hurt.
The
rate of interest at which prime banks
borrow funds from
other prime banks in the European Union (EU) interbank market.
With the FED being the dominant borrower (willing to
borrow at higher
rates), banks, GSEs and money market funds have less desire to provide short - term funding for
other entities, thus forcing them to
borrow at the
rate set by the FED.
The Fed Funds
Rate is the rate at which banks borrow money from each other overni
Rate is the
rate at which banks borrow money from each other overni
rate at which banks
borrow money from each
other overnight.
The Federal Reserve uses
other tools to influence U.S. economic growth, too, including Discount
Rate, which is the overnight interest rate at which banks can borrow money from the Federal Reserve; and special programs such as quantitative eas
Rate, which is the overnight interest
rate at which banks can borrow money from the Federal Reserve; and special programs such as quantitative eas
rate at which banks can
borrow money from the Federal Reserve; and special programs such as quantitative easing.
When the Fed «raises»
rates, what it alters is the Federal Funds
rate — the
rate that banks charge each
other for overnight loans to cover their cash needs (every bank is required to keep a certain amount of funds, called reserves, with the Federal Reserve and these funds can be
borrowed).
Relative to the number of loans it handles, Capital One's customers filed mortgage - related complaints at about the same
rate as those who
borrowed from
other large banking institutions.
Debt consolidation.If you're struggling with credit card debt,
borrowing against your equity can be extremely attractive because of the low interest
rates — much lower than any you'll find on a credit card — using a HELOC to pay off
other debts will give you an easy single payment at low interest
rates.
Personal loans tend to come with lower interest
rates than credit cards and
other expensive
borrowing tools.
Nevertheless, the difference between the
rates of growth of credit and broad money has continued to widen, reflecting increased reliance on
other funding sources, including offshore
borrowing.
Fewer buyers for the same pool of assets makes sellers try harder, and
rates on Treasuries serve as a benchmark for a wide range of
other borrowing costs.
In addition, many companies in those lands financed their domestic businesses by
borrowing Swiss francs, euros and
other hard currencies at lower
rates than in their own inflation - prone countries.
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.
It said that Kroenke was ramping up the cash reserves in the club, as this would give him better credit amongst lenders, in order to
borrow the money to buy the shares at a cheap
rate, when it comes to launching a bid to buy out the
other shareholders.
If you're not among them, you can
borrow power
ratings from
other handicappers, or better yet, simply use the average of several handicappers»
ratings.
The prime minister's comments came after an informal summit of EU leaders over dinner failed to reach concrete conclusions on how to address concerns about Greece's future and high
borrowing rates for
other struggling eurozone countries.
Why, ask the critics, is cash - strapped Britain
borrowing from the likes of China and
other international sovereign wealth funds in order to help countries that are enjoying much higher growth
rates than us?