Keeping up with your credit is important, since a poor credit report can
result in higher interest rates on loans, and can even lead to you paying more for different financial products and services, including paying higher insurance premiums.
Your co-signer is accepting complete liability of your loan; as a result, until you pay off the debt, it will limit his or her borrowing potential and will probably
result in higher interest rates on other loans and purchases made on credit.
Naturally, a lower credit score will make it more difficult to borrow, and
result in higher interest rates on any new credit that you do obtain.
Taking on wedding - related debt could damage your credit score — and
result in a higher interest rate on that mortgage, he said.
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.
These scary numbers could crowd out investment
in the private sector and
result in global investors demanding much
higher interest rates on Treasuries.
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
Just like a thorough vetting of cabinet nominees could have foreseen the scandals that later emerged, a thorough vetting and review process for the monster tax cut legislation would have cautioned against such radical moves
in the face of massive maturing supply, a trimming Fed, and a debt - strapped consumer that is seeing
higher interest rates on mortgages and credit cards as a
result of the spike
in rates.
Since CBO's baseline is based
on current law, CBO does not include
in its projections
higher interest rates as a
result of Congress possibly adding to debt.
As a
result,
higher interest rates on a growing national debt would be damaging
in the long run.
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.
Having your loan tied to a part of your home's value usually
results in lower
interest rates, Drake says, but someone with a good income and a
high credit score may be able to get a low
rate on a personal loan or peer - to - peer loan.
An end of QE would likely
result in higher long - term
interest rates, which have been pushed to historic lows
on account of the Fed's massive bond - buying program.
They find that the
higher the percentage of public employee who are unionized, the greater risk investors see of the state defaulting
on its bonds,
resulting in higher interest rates
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.
Generally speaking, a better credit history will
result in a lower
interest rate on the loan, whereas a credit history with past due payments, previous defaults, and collections will often lead to a
higher interest rat, to offset the lender's increased risk
in offering credit to a borrower with poor credit.
When you pay extra
on an adjustable -
rate mortgage, you trim the loan balance faster than scheduled, and that should
result in lower monthly payments when your
rate next adjusts — unless the
interest rate adjusts
higher and that swamps the impact of your extra principal payments.
That
results in more expensive credit
in the future, and
higher interest rates on some accounts you have right now.
This benefit could potentially
result in long - term savings and might be worth sacrificing other features such as lower fees or a slightly
higher interest rate on your checking or savings account.
Carrying a monthly balance
results in high interest rates and late payment fees if they're not paid
on time.
Identity theft or an error
on your credit report could easily cause your credit score to lose valuable points,
resulting in higher interest rates or a denial for credit.
Defaulting
on no fax payday loans can
result in additional fees and charges and even a
higher rate of
interest until the debt has been settled.
Either the lender will take
on additional responsibility for closing costs — which may
result in a
higher interest rate — or sellers or home builders will incentivize buyers by agreeing to cover closing costs.
On the other hand, the summer is typically an active time for home purchases, so lenders can afford to increase the spread, which
results in higher interest rates.
You may pay a
higher interest rate, but repaying the loan
on time without any late payments will
result in positive reporting to the bureaus -
in turn, getting you a better
rate on your next car purchase.
This means that your
interest rates will be calculated based
on your two months average daily balance... thus
resulting in higher interest costs.
As such, improper use of credit cards can
result in lower credit
ratings, which can eventually translate into either inability to obtain additional credit or
higher interest rates charged
on loans.
The
interest rates on these premier credit cards can be a bit
high,
resulting in even more costs.
On the other hand, having poor / limited scores for either will greatly reduce any opportunities with the SBA, or
result in much
higher interest rates.
This doesn't mean you're out of luck if your credit score is
on the lower end, but applying for a home equity loan with bad credit may
result in being offered less or paying a bit more
in the long run because of
higher interest rates.
Negative information
on your report can
result in a lower score, meaning
higher interest rates on credit cards and loans that could cost you a lot of money
in the long run.
For circumstances
in which: (1) The
interest rate will be the same or
higher, (2) even a reduced
interest rate will not
result in a lower payment, or (3) the
interest rate can not be reduced (such as
on a loan held by a state housing - finance authority), VA should require reduction
in the principal balance so that the payment will be reduced.
Total Consumer Debt as % of Discretionary Income (Send me email for the chart) The problem with the «consumer debt as percentage of discretionary income» measure (the above chart) is that it ignores the true cost of debt since
higher debt levels
in a low -
interest -
rate environment may not
result in a
high debt service burden (
interest and principal payments)
on the consumer.
As a
result, having
higher scores
results in better
interest rates and terms
on financial products.
Remember, a
high credit score may
result in a lower
interest rate on a mortgage or car loan.
- the game's shading mechanism has changed, which allows for increased gear texture quality - all graphical aspects and programming mechanisms have been built up from scratch for this sequel - maximum resolution is 1080p
in TV mode - a bigger focus for Nintendo was the 60 frames per second - occasionally the resolution will be scaled down when there is too much ink displaying
on the screen - Nintendo reduced the CPU load and refined the way to use CPU power effectively to maintain 60 fps
in all matches - weapons were tweaked to let players be more creative by thinking about unique weapon characteristics and their best uses - weapons are designed to be effective when they are used during the right occasion - Special weapons are stronger than the original ones when used
in the right situation, but weaker otherwise - the damage and effect of slowing down your movement when you step
in the opponent's ink are reduced from original - you can jump up
in rank if you're good enough, but only up until S - you can't jump up from C, B or A to S + - when you win battles
in Ranked mode, the Ranked meter fills and your rank goes up when its fully filled - when you lose a battle, the gauge does not decrease, but the meter starts to crack - once the meter reaches its limit, it breaks - when the meter breaks, you have to start over again from the beginning or from a lower rank -
highest rank is still S +, but if you fill up the Ranked meter, you get numbers after the alphabet such as «S +1», «S +2» and so
on - maximum number is «S +50», but this number will not be displayed to your opponent - you are the only one to see it, and you can check it
on your own status screen - Ranked Power is calculated by an algorithm to measure how strong each player is with minuteness - this will determine if a player's rank is worthy of receiving a big jump (like from «C» to «A»)- Ranked Power has no relation to your splat
rate, and is more tied into to how well you lead your team to victory - you won't drop off more than one rank even if you play poorly - stage rotation time was changed to two hours - this was done because the devs expected people to play for an hour or so, but they found people play much longer - with Salmon Run, Nintendo considered how to implement a co-op oriented mode
in a player - versus - player type of game - the devs will monitor how users are playing this mode to see if there's some tweaks they can throw
in - more Salmon Run maps will be added
in the future, but Nintendo wouldn't comment
on adding more enemy types to the mode - rewards are changed each time Salmon Run is played - you can obtain rewards when playing locally, but not gear - originally Nintendo had an idea for this mode, but had no background setting, enemy designs, etc. - Inoue suggested that it should be salmon - themed - when Nintendo hosted the Splatfest that pit Callie against Marie, the development of Splatoon 2 had started - the devs had already decided to have the
result reflected
in the sequel - they even had an idea to announce the Splatfest with a phrase «Your choice will change the next Splatoon» - the timing to announce a sequel wasn't right, so they decided against this - they eventually released a series of short stories about the Squid Sisters to show how the Splatfest affected the sequel's story - Nintendo wouldn't say if Marina is an Octoling, and noted that Inklings are not paying attention to this too much - Inklings don't care about appearances, as long as everyone is doing something fresh - the Squid Sisters had composers who produced their songs, but Off the Hook are composing their music by themselves - Pearl is genius artist, but she couldn't find a right partner because she's a bit too edgy - she eventually found Marina as a partner though, and their chemistry is sparkling right now - Nintendo is planning a year of content updates for Splatoon 2 - when finished, the quantity of stages will be more than the original - some of the additional stages are totally new and some will be arranged stages from the first game - not all original stages will return and they are choosing stages based
on the potential for them to be improved - Brella is shotgun-esque weapon, so the ink hits your opponent more if you are closer - it can shield damage when you open it, but the amount of damage has a limit and once it reaches it, it breaks - you can shoot ink, but you can't use the shield feature when it breaks - the shield won't prevent your allies ink - there are more new weapon categories which haven't been revealed yet - there are no other ranked modes outside of the three current options - the future holds any sort of possibility, but the devs didn't get specific about adding more content like that - for the modes, they adjusted the rule designs so that players will experience the more
interesting aspects
Special Agent, Criminal Investigator AFOSI Detachment 611 — Osan AB, ROK (8/2003 — 8/2004) • Held integral role
in the handling of 40 + criminal, fraud, and CI investigations, the largest caseload for AFOSI / Pacific Air Force Command, bringing unit to the
highest pro-active
rate in 8 years • Collaborated with the Department of Homeland Security and Customs Division
in an international fraud case, the first joint effort between these departments and the
result of mutual
interest coordination avenues between numerous entities • Protected valuable DOD resources and assets by conducting major counterintelligence, criminal, and fraud investigations, including close support through crime scene searches, evidence preservation, and laboratory analysis requests • Testified
in court - martials, interviewed key witnesses, and performed interrogations of persons suspected of committing major violations of the Uniform Code of Military Justice • Managed and utilized human informants to detect illegal activities as well as conducting undercover investigations • Investigated AFOSI applicant backgrounds to determine suitability for positions
in department, also serving as a point of contact for counterintelligence, anti-terrorism, and local criminal awareness briefings
on base
The buyer might claim that his reliance
on you has
resulted in his having to pay a
higher interest rate on his mortgage.
The CFPB stated that
higher interest rates on loans closed by the loan officer during the quarter
resulted in a
higher quarterly bonus for that loan officer.
The
interest rate on an ARM will often be lower initially, but as
interest rates do fluctuate with the market, they can be somewhat unpredictable or even
result in higher payments.