Sentences with phrase «other credit costs»

This rate is likely to be higher than the stated note rate or advertised rate on the mortgage, because it takes into account points and other credit costs.

This rate is likely to be higher than the stated note rate or advertised rate on the mortgage because it takes into account points and other credit costs, e.g. fixed rate loan at 8 % with 1 point has an APR of 8.107 %.

Compare the annual percentage rate and the finance charges (this includes interest rate and other credit costs, and all loan fees) of credit offers to obtain the lowest cost loan.

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.

Forward - looking statements include, among other things, statements regarding future: production, costs, and cash flows; drilling locations and zones and growth opportunities; commodity prices and differentials; capital expenditures and projects, including the number of rigs employed and the number of completion crews; renegotiation of our credit facility; management of lease expiration issues; financial ratios; certain accounting and tax change impacts; midstream capacity and related curtailments; our ability to meet our volume commitments to midstream providers; ongoing compliance with our consent decree; and the timing and adequacy of infrastructure projects of our midstream providers.

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.

McDerment's rationale might be personal, but he's quick to cite other reasons that other tech companies would want to stay in Canada: excellent universities, smart talent, government financial support like tax credits for R&D, and cheaper employment costs.

Other measures include: • remove rule limiting Child Tax Credit (CTC) to one claimant per household (to allow two or more families sharing a house to claim the CTC); • repeal $ 10,000 cap on medical expense tax credit claims made on medical costs incurred for an eligible dependent; • easier access to funds in Registered Disability Savings Plans for beneficiaries with shortened life spans; • improved Employment Insurance benefits to parents of gravely ill, murdered, or missing children; and • enhanced ability to make transfers between individual RESPs, and better access to RESP funds for post-secondary students studying outside CCredit (CTC) to one claimant per household (to allow two or more families sharing a house to claim the CTC); • repeal $ 10,000 cap on medical expense tax credit claims made on medical costs incurred for an eligible dependent; • easier access to funds in Registered Disability Savings Plans for beneficiaries with shortened life spans; • improved Employment Insurance benefits to parents of gravely ill, murdered, or missing children; and • enhanced ability to make transfers between individual RESPs, and better access to RESP funds for post-secondary students studying outside Ccredit claims made on medical costs incurred for an eligible dependent; • easier access to funds in Registered Disability Savings Plans for beneficiaries with shortened life spans; • improved Employment Insurance benefits to parents of gravely ill, murdered, or missing children; and • enhanced ability to make transfers between individual RESPs, and better access to RESP funds for post-secondary students studying outside Canada.

Among the factors that could cause actual results to differ materially are the following: (1) worldwide economic, political, and capital markets conditions and other factors beyond the Company's control, including natural and other disasters or climate change affecting the operations of the Company or its customers and suppliers; (2) the Company's credit ratings and its cost of capital; (3) competitive conditions and customer preferences; (4) foreign currency exchange rates and fluctuations in those rates; (5) the timing and market acceptance of new product offerings; (6) the availability and cost of purchased components, compounds, raw materials and energy (including oil and natural gas and their derivatives) due to shortages, increased demand or supply interruptions (including those caused by natural and other disasters and other events); (7) the impact of acquisitions, strategic alliances, divestitures, and other unusual events resulting from portfolio management actions and other evolving business strategies, and possible organizational restructuring; (8) generating fewer productivity improvements than estimated; (9) unanticipated problems or delays with the phased implementation of a global enterprise resource planning (ERP) system, or security breaches and other disruptions to the Company's information technology infrastructure; (10) financial market risks that may affect the Company's funding obligations under defined benefit pension and postretirement plans; and (11) legal proceedings, including significant developments that could occur in the legal and regulatory proceedings described in the Company's Annual Report on Form 10 - K for the year ended Dec. 31, 2017, and any subsequent quarterly reports on Form 10 - Q (the «Reports»).

Like other high - cost lenders, the company touts its products as an option for borrowers who might not qualify for other sources of credit.

Further, consumers who utilize more than 50 percent of their credit lines will see their credit scores drop, which lowers not only the cost of personal borrowing but makes borrowing from a bank or other lender more costly.

There are many other sites that will also offer you access to credit scores and credit reports for a cost.

how merchant discount fees compare to the credit losses and other costs that merchants incur to operate their own credit networks or store cards;

Unlike the premium tax credit (which can be used for other «metal levels»), cost - sharing subsidies only work with silver plans.

The cost of a private student loan will depend on your credit score and other factors.

During periods of adverse changes in general economic, industry or competitive conditions, such as we experienced in calendar years 2008 and 2009, some of our vendors may experience serious cash flow issues, reductions in available credit from banks, factors or other financial institutions, or increases in the cost of capital.

The CFPB ordered TransUnion and Equifax to truthfully represent the value of the credit scores they provide and the cost of obtaining those credit scores and other services.

When it comes to credit card debt, some people think it's the result of overspending, while others blame it on the rising cost of living for necessities.

The profit that Tesla Motors booked for the third quarter was boosted by the company's record sales of its existing electric vehicles, along with the cost reductions and the sale of pollution tax credits to other car manufacturers.

Their costs have gone up, and they have fewer choices, more hassles and less access to credit,» Hensarling declared in introducing his legislation in April, decrying new regulations on credit cards, mortgages and other financial products.

In April 2005, New York Attorney General Eliot Spitzer asked Wells Fargo and three other large banks for information on loan conditions and credit scores as he investigated whether the racial disparities in high cost loans violated state laws.

All credit decisions, including loan approval and the rates, terms and other costs of the loan you are offered, are the sole responsibility of the lenders and may vary based upon the lender you select.

The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost.

The programs may provide assistance for down payments, closing costs, tax credits, and other expenses associated with buying a home.

There are also some costs involved in travel hacking, so if you are in credit card debt or have any other serious debts that are causing you stress or are harming your lifestyle, don't get involved in travel hacking until you are debt free.

Most other credit cards that offer EMV technology and no - foreign exchange fees tend to cost a lot in terms of annual fees - some upwards of $ 80 to $ 100.

Unlike most other travel rewards credit cards, the points earned using the BankAmericard Travel Rewards card are used retroactively as statement credits to cover the cost of travel expenses.

Other counterarguments describe Fiat currency creation and distribution costs, such as printing bills or minting coins or the cost of building a bank or credit union branch, however the latter argument is less impactful given that substantial number of branches that have already closed and are projected to close over the next decade as consumer preferences switch to mobile banking.

Not only are the interest costs potentially enormous depending upon your credit rating, but they aren't tax deductible, making their true cost relative to other forms of debt substantially more expensive.

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.

Parent PLUS loans require a strong credit history, and the maximum amount allowed is equal to the cost of attendance determined by the school, less other financial assistance received.

Factors affecting the level of consumer spending for such discretionary items include general economic conditions, and other factors, such as consumer confidence in future economic conditions, fears of recession, the availability and cost of consumer credit, levels of unemployment, and tax rates.

Factors affecting the level of spending for such discretionary items include general economic conditions and other factors such as consumer confidence in future economic conditions, fears of recession, the availability of consumer credit, levels of unemployment, tax rates and the cost of consumer credit.

You can calculate mortgage insurance costs for other credit scores, down payment amounts and mortgage types using HSH.com's PMI Cost Calculator.

Adjusted EBITDA is defined as net income / (loss) from continuing operations before interest expense, other expense / (income), net, provision for / (benefit from) income taxes; in addition to these adjustments, the Company excludes, when they occur, the impacts of depreciation and amortization (excluding integration and restructuring expenses)(including amortization of postretirement benefit plans prior service credits), integration and restructuring expenses, merger costs, unrealized losses / (gains) on commodity hedges, impairment losses, losses / (gains) on the sale of a business, nonmonetary currency devaluation (e.g., remeasurement gains and losses), and equity award compensation expense (excluding integration and restructuring expenses).

Like other accounting software, if you add ancillary services, such as credit card processing and payroll, those cost extra.

Amazon asked governments to identify incentive programs such as tax credits, exemptions, grants for relocation and workforce and other cost reduction programs.

In other words, the Fed has undermined its own flexibility, by increasing the likely cost, directly to the U.S. Treasury and indirectly to itself, of using open - market sales to tighten credit.

However, this credit expires after five years with no particular rationale for that policy other than to reduce the ten - year cost.

The best way to figure out whether a credit card is good or not, is to compare it against what else is out there — are there other credit cards that provide the same or better benefits at a reduced cost?

Increases in the big bank prime rates push up the cost of variable - rate mortgages and other loans such as home equity lines of credit that are tied to the benchmark rate.

The higher your score, the more likely you are to be approved for loans and other types of credit, as well as to attain a lower monthly payment (and thus a lower cost of borrowing overall).

Be wary of those that charge upfront, non-refundable fees to apply, other than fees for hard costs such as a credit report.

Overall, as the statements after the past five Board meetings have made clear, the sequence of changes to the cash rate, other adjustments by lenders in response to the rise in term funding costs since mid 2007 and tighter credit standards have combined to produce financial conditions that are tight.

However, for other products, it makes sense to continue referencing a credit - based benchmark that measures banks» short - term wholesale funding costs.

It could help you save money by watching: the effects of your sales, inventory costs, credit terms and other variables on your companies cash flow.

Keep in mind that C has lower asset returns and higher credit costs than other large banks, begging the question as to whether the Fed should really be allowing the bank to increase payouts to equity investors.

If you're one of the thousands of New York City residents suffering from damaged credit scores due to the high cost of living and other factors, you're not alone.

«The type of credit that this bill helps consumers access is the kind that makes it easier for vulnerable consumers to sink into insurmountable debt — like payday and other high - cost loans.»

As has been experienced by Alberta and other jurisdictions, a lower credit rating materially increases debt servicing costs (i.e. interest payments).