Sentences with phrase «rate portion of the debt»

So, it looks like if you only make the minimum payment, the CC company can apply all of it to the lowest interest - rate portion of the debt.

Not exact matches

It was a modest post-issuance bump for CVS, which sold the debt in fixed - and floating - rate portions to fund its acquisition of health - care provider Aetna Inc..

In the quarter, we also swapped a portion of our floating rate debt to fixed, resulting in about 90 % of our debt fixed for a total current blended rate of 4.75 %.

Private variable - rate loans constitute a small portion of overall student loan debt, while most student loans are part of federal programs that guarantee a permanent fixed rate.

There is also a plausible risk that China will retaliate by selling a portion of its vast US treasury debt holdings, putting further upside pressure on already rising US interest rates.

Another implication is that when considering what - if interest - rate scenarios and the ability of the US government to meet its financial obligations under the different scenarios, the assumption should be made that the portion of the debt held by the Fed has an effective interest rate of zero.

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.

Following months of negotiations between the TIFIA JPO and the Borrower, the parties executed two new TIFIA loans on November 6, 2013 which refinanced all of the exiting LA - 1 debt as follows: (i) issue a $ 78 million TIFIA loan at the rural rate of one - half the 30 - year US Treasury rate to refinance the existing 2005 TIFIA Loan; (ii) issue an additional $ 44 million TIFIA loan at the full 30 - year US Treasury rate to refinance a portion of the senior debt.

A lower interest rate allows for a higher portion of your payments to go towards paying off the principal of the loan, so you can pay off the debt faster.

The debt settlement portion of this calculator is based on the «average settlement rate and fees» for debt settlement companies across the nation.

That's because the high interest rates that are charged on credit cards mean that a big portion of their monthly payments go toward paying interest and not toward paying down their debt.

You could still make this work, though, by transferring the debt with the highest interest rate, even if it's just a portion of the balance.

When refinancing, if you do find a lender who will split up the loan into private loans, you have to make sure you're getting a good deal not just in terms of the portion of the debt you're receiving, but the terms and rates of the new loan.

In the era prior to the CARD Act many issuers applied payments made by cardholders to finance charges and balances with lower interest rates which cause higher interest accrual on the accounts and made it more difficult to pay down the total balances on their credit card accounts faster as the portions of their debt with higher interest rates were carried forward from month to month.

The schemes may invest a portion of its net assets in fixed rate debt securities and money market instruments.

The fund has invested around 20 % of its corpus in Debt securities, as per Valueresearch data, the debt portion falls under «Low» quality and «high» interest rate sensitivity block, you may have a lDebt securities, as per Valueresearch data, the debt portion falls under «Low» quality and «high» interest rate sensitivity block, you may have a ldebt portion falls under «Low» quality and «high» interest rate sensitivity block, you may have a look.

Eventually we opted to transfer this debt into a secured loan of $ 100,000 with a hybrid rate — a fixed rate portion at 1.99 % (up for renewal in Oct 2017) and a variable rate at 2.7 % (prime +0 %).

I think the big take - away lesson there is to avoid balloon payment schemes: it's much easier to roll small portions of your debt, even if you have to suffer high interest rate spreads, when conditions are tight.

An income - driven repayment plan requires a borrower to pay a fixed portion of their income each month instead of a flat fixed rate on student loan debt.

With Stafford Loans, a portion of your debt may be government subsidized, with a lower rate and your interest will not accrue during school on subsidizes loans.

Additionally, this write - off rate does not come close to Federal loan forgiveness which is slated to forgive a much more significant portion of student loan debt.

Furthermore, with private lenders, borrowers often have the flexibility to exclude select low - interest portions of their student loan debt from the refinance package if the original rate is more favorable than the rate being offered.

Review your balance transfer needs and see if you will save more by being to pay off a portion of your debt at a lower rate and faster, even with the annual fee.

Interest rates are still low enough to provide VZ an opportunity to finance a good portion of the deal via newly issued debt and VOD had long had issue with not being able to control the dividend payout from the joint venture because it lacked majority control.

This one only requires us to pay the interest on the debt each month, and the rest is up to us until the maturity date comes around — a good 15 years away;)(We also have the option of converting any portion to a fixed - rate loan w / a current rate of 4.85 % too, if we choose.)

They asserted that limiting loan debt would invalidate the D / E rates as an accountability metric because a portion of a student's debt (debt incurred for living expenses and other indirect costs) would not be considered.

Similarly, refinancing only a portion of student loan debt, like those loans with the highest interest rates, is often a smart choice for borrowers who want to reduce the cost of some of their loans.

Doug Hoyes: And that's why the success rate on consumer proposal is so high; if the creditors know they're going to get more money in a consumer proposal than they're going to get in a bankruptcy, and the person who owes the money is filing the consumer proposal because they want to avoid bankruptcy, they want to pay back at least a portion of their debts.

This final portion of the funding is exactly what was needed to ensure a quicker payback and better rate of return without putting an excessive burden of debt on the rest of the farm.»

Some of these options include forbearance (e.g. forgiving a portion of the debt or late charges); deferment; renegotiating interest rate, monthly payment amount, principal amount, maturity date; or the enforcement of an acceleration clause in the loan.

The plan would reduce monthly payments by lowering borrowers» interest rates, extending the length of time on some mortgages and deferring portions of some mortgage debts to the end of the life of the loans.