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.
Those federal rules, which double down on restrictions adopted in 2014 and stern warnings to lenders issued by OSFI earlier this summer, require banks to qualify borrowers at
higher interest rates, impose additional limits on mortgages for buyers with small down
payments, and compel financial institutions to share the
risk by taking out insurance policies on low - ratio mortgages.
Students who rack up a large amount of debt and begin their careers in an entry - level position can be particularly at
risk, especially if they owe larger monthly
payments on
high -
interest debt, such as private student loans.
Equity correlation
risk The perception that
high yield issuers may have trouble generating sufficient cash flow to make
interest payments could make them behave like equities.
The
higher the
risk of a default or late
payment, the
higher the
interest rate will be.
In exchange for their credit
risk, these loans offer
high interest payments that typically float above a common short - term benchmark such as the London Interbank Offered Rate, or LIBOR.
By loaning money to a company with lower credit quality, investors face a
higher risk of not receiving all of the promised
interest and principal
payments.
For younger students, who do not have sufficient credit history, monthly
payments on private student loans could be hardly bearable, as the
interest rate set by lenders is typically very
high to offset potential
risk of default.
Borrowers who fail to cease using their
high interest cards after consolidation run the
risk of falling even deeper in debt - because they now have both a loan consolidation
payment and a credit card balance to pay on each month.
The lower tranches will carry a greater
risk, maybe even a
risk greater than the typical MBS, and thus, will get a
higher but less secure
interest payment.
You may also
risk a
higher interest rate of 29.49 % as a penalty rate if you make a late or returned
payment.
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.
At the other end,
high - yield bonds pay a
higher interest rate than Treasury securities, but there's a substantial
risk that the issuer won't be able to keep up with
payments or pay back your principal.
Obviously, the
interest rates and
payments are often
higher to cover the
risk.
Other
risks include rising
interest rates, which could mean
higher mortgage
payments, and, if you're paying down the mortgage on the new home out of current earnings, job loss or disability.
Against the advantage of the lower
payment at the beginning of the loan, you should weigh the
risk that an increase in
interest rates will lead to
higher monthly
payments in the future.
This
high risk comes at a cost, usually in the form of a
higher interest rate and a
higher monthly
payment.
On the other hand, there is a
risk that if
interest rates go up, the price of homes will go down as people won't be able to afford as much because their monthly
payments will be
higher.
While delinquencies incur late
payment fees, cardholders who go into default may find that they're unable to get credit cards, and if they can, the
interest rate on them is usually very
high, since card issuers will deem them a
risk.
As with any other investment decisions, deciding to
risk a potentially
higher future
interest rate in order to get a lower rate (and
payment) today is risky considering the current financial climate.
There are inevitably some
high -
risk lenders who exist and are willing to take a chance on what is considered a risky mortgage loan, but the
interest rates will reflect this by being much
higher; therefore the monthly
payment may be more than what is realistically affordable.
These
risks largely center on affordability: a person must be able to stop making new credit card purchases, and must be able to pay more than the minimum
payment on the new card, or else they
risk many years of very
high interest rates.
Factors that put you at
risk are making an occasional late
payment, living in a
high foreclosure area, and / or carrying risky debts such as an
interest - only mortgage.
You run the
risk of
high -
interest rates,
high down
payment requirements, and shorter terms.
These borrowers are associated with a
higher risk of defaulting on their loan
payments or on the loan as a whole, and to offset that
risk they will be charged much
higher interest rates than traditional mortgages.
You have to weigh the
risk that an increase in
interest rates could lead to
higher monthly
payments in the future against the disadvantages.
By the way, these were the
high -
risk loans given to «subprime» borrowers who did not qualify for the best
interest rates (because of bad credit, no down
payment, etc.).
And in arguing for
risk free income they're essentially asking for a handout from the US government in the form of
higher interest payments from Uncle Sam.
The reasoning behind this is that a loan with a 5 % down
payment is considered
high -
risk, and they'll cover that
risk by raising the
interest rate accordingly.
Lenders generally want larger down
payments and charge
higher interest for these loans since they are considered
risker than conventional loans.
There is a
risk of a
higher interest rate, up to 29.99 percent, when you miss a
payment or have a returned
payment.
If you are late with your
payments several times over the course of the
payment period, you run the
risk of having an
interest rate that is much
higher than what was originally computed for you.
It is important to understand that these products carry very
high interest rates and thus, if you pay only the minimum
payments on your balances, not only you will spend a lot of money on
interests but you will
risk accumulating too much debt and endangering your finances.
In fact, with a housing crisis still rampant many homeowners with
high cost monthly mortgage
payments that don't have credit or mortgage life insurance protection may be putting their families at
risk for bankruptcy or years of
interest payments on a home loan they can't afford.
Against these advantages, you have to weigh the
risk that an increase in
interest rates would lead to
higher monthly
payments in the future.
Refinancing your ARM may increase your monthly
payments, but at least you can eliminate the
risk of
high interest rates in the future.
In addition, compared to short - term debt, an intermediate - term debt carries greater
risk that
higher inflation could erode the value of expected
interest payments.
As with other investments,
higher risk means
higher return in the form of
higher interest payments during the life of the bond.
Higher Interest Rates - Down
payment helps lenders to determine
risk.
By not refinancing your loans, you
risk throwing significant amounts of money away on
interest and
higher monthly
payments.
So why don't lenders offer a true reverse mortage which would compute and lend a stream of
payments (at
interest of course, but hopefully a rate reflective of the low
risk given the
high property value / loan ratio) rather than a useless lump sum which has seniors paying pretty
high mortgage
interest rates on a large amount of loan, rather than a
interest on the (rising) amount of loan as the stream of
payments accumulated.
A lower
risk alternative to the HELOC approach would be to look for a
high - yield checking account so that you can be earning
interest on your checking balance (and use other methods to make extra principal
payments).
Because there is almost no
risk of default by the government, the return on Treasury bonds is relatively low, and a
high inflation rate can erase most of the gains by reducing the value of the principal and
interest payments.
The QRM rule encourages borrowers to make down
payments greater than the current average in order to avoid
risk retention requirements that amount to significantly
higher interest rates.
Fluctuating rates pose a significant
risk to your monthly expenses after the initial period expires and you will incur
higher payments not necessarily towards the principal but
interest itself.