Sentences with phrase «term interest costs»

This is a common strategy used by borrowers who want to minimize their long - term interest costs (and don't mind paying higher closing costs to achieve that goal).

Once you combine the refund with the tax - free interest earned on the RRSP over the following year, the short - term interest costs of the RRSP loan usually at prime rate will be outpaced.

These factors reduce the long - term interest costs of owning a home so, with a shorter - term loan, it actually costs less to «buy» the home you're buying.

Economic growth at home and abroad also play an important role in long - term interest costs.

Economic growth at home and abroad also play an important role in long - term interest costs.

With Bay Area refinance rates so low, many homeowners are now in a position to reduce their monthly payments as well as their long - term interest costs.

This is a common strategy used by borrowers who want to minimize their long - term interest costs (and don't mind paying higher closing costs to achieve that goal).

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.

The report also forecasts short - and long - term interest rates will ratchet up steadily over the next decade to 3.2 percent and 4.2 percent, respectively, which means the costs to borrow are also certain to go up.

Fifteen - year mortgages flip the script, lowering costs and shortening loan terms but tying up more cash and restricting investors» ability to buy stocks and other interest - paying vehicles.

Given the average inflation rate of -0.2 percent during that interval, real short - and long - term interest rates of 0.5 percent and 1.7 percent indicate an easy credit stance and a low cost of capital.

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.

Standard and Poor's estimates the federal government's partial paralysis cost $ 24 billion, and consultancy IHS Global Insights said on Wednesday that the spike in short - term interest yields witnessed in the week of Oct. 14 alone will add $ 114 million to the federal debt.

ChangEd is a new app that says it can take six years off your repayment term and save you $ 14,000 in interest costs — all with a bit of spare change.

The Federal Reserve could raise short - term interest rates, investors might charge the government higher borrowing costs and a stronger dollar could temper growth through exports, said Mark Doms, a senior economist at the bank Nomura.

With short - term interest rates going up, now's the time to trim financing costs by cutting back on adjustable - rate loans.

The MPC launched the Term Funding Scheme to make sure that the lower levels of interest rates now set by the Bank of England are reflected in the costs commercial banks charge households and companies to borrow funds.

Adjusted Net Income is defined as net income excluding (i) franchise agreement amortization, which is a non-cash expense arising as a result of acquisition accounting that may hinder the comparability of our operating results to our industry peers, (ii) amortization of deferred financing costs and debt issuance discount, a non-cash component of interest expense, and (gains) losses on early extinguishment of debt, which are non-cash charges that vary by the timing, terms and size of debt financing transactions, (iii)(income) loss from equity method investments, net of cash distributions received from equity method investments, (iv) other operating expenses (income), net, and (v) other specifically identified costs associated with non-recurring projects.

Note 3: We recorded additional interest expense related to the amortization of debt issuance costs affiliated with our Term Loan Credit Agreement and ABL Facility.

It explains the key terms, from interest rates to closing costs, and ensures you're getting the home loan your lender promised.

The amount of debt that is projected under the extended baseline would reduce national saving and income in the long term; increase the government's interest costs, putting more pressure on the rest of the budget; limit lawmakers» ability to respond to unforeseen events; and increase the likelihood of a fiscal crisis, an occurrence in which investors become unwilling to finance a government's borrowing unless they are compensated with very high interest rates.

The impact of mortgage interest rates can be further assessed by Figure 3, which measures the evolution of the mortgage to cash cost ratio of purchasing a residential property in terms of labour time.

Debt interest costs are fully tax deductible as a business expense and in the case of long term financing, the repayment period can be extended over many years, reducing the monthly expense.

In terms of the interest rate risks, It's more of an opportunity cost than a real «hit from rising interest rates», assuming you hold to maturity.

APR represents the total interest cost, including fees, as an annualized rate which may appear higher than the actual overall cost of a short term loan.

The total interest paid to fill a short - term need with long - term financing might make the total interest cost prohibitive or not the right fit for the use.

To the fullest extent permitted by applicable law, you agree to indemnify, defend and hold harmless Daily Harvest, and our respective past, present and future employees, officers, directors, contractors, consultants, equityholders, suppliers, vendors, service providers, parent companies, subsidiaries, affiliates, agents, representatives, predecessors, successors and assigns (individually and collectively, the «Daily Harvest Parties»), from and against all actual or alleged Daily Harvest Party or third party claims, damages, awards, judgments, losses, liabilities, obligations, penalties, interest, fees, expenses (including, without limitation, attorneys» fees and expenses) and costs (including, without limitation, court costs, costs of settlement and costs of pursuing indemnification and insurance), of every kind and nature whatsoever, whether known or unknown, foreseen or unforeseen, matured or unmatured, or suspected or unsuspected, in law or equity, whether in tort, contract or otherwise (collectively, «Claims»), including, but not limited to, damages to property or personal injury, that are caused by, arise out of or are related to (a) your use or misuse of the Sites, Content or Products, (b) any User Content you create, post, share or store on or through the Sites or our pages or feeds on third party social media platforms, (c) any Feedback you provide, (d) your violation of these Terms, (e) your violation of the rights of another, and (f) any third party's use or misuse of the Sites or Products provided to you.

The rates that have responded most significantly to lower borrowing costs are short - term loans for financial speculation, above all for derivatives and related buying or selling of stocks and bonds on margin — enormous gambles on which way the dollar, the stock market and interest rates may go.

Lower and lower short - term interest rates served only to further reduce the cost of holding cash balances, while bank lending languished.

In other words, as the lender's cost of capital fluctuates, you interest rate can also go up or down within the term of the loan.

As a result, 57 percent chose a six - month loan with a higher APR over a longer - term loan to minimize total interest costs, fees, and expenses.

Long - term interest rates are currently low due to low global inflation expectations and moderate growth potential in Canada due to lower oil prices, a heavily indebted household sector and a weakened manufacturing base due to relatively high unit labour costs.

In addition to comparing interest rates, it's important to consider the loan term and the total interest cost of the loan to determine which is the best fit for any particular loan purpose.

Whether you need money to purchase real estate, cover construction costs or to use as working capital, SBA loans offer attractive repayment terms and low interest rates.

It's possible a longer - term loan will have a lower annualized interest rate, but the total cost of the loan will likely be higher.

As a general rule, a short - term loan will have a higher periodic payment, but a lower total interest cost of the loan when compared to a longer - term loan — even if that loan includes a lower interest rate, because the business is paying interest over a longer period of time.

«As long as the maturities are spread out, and the interest cost is built into our content budgets, we think long - term debt is the best way for Netflix to finance the production of content.»

While cutting the repayment term in half significantly raises monthly payments, a shorter loan will save you over half the final cost of interest on a 30 - year mortgage for the same loan amount.

While these «stealth» modifications often reduced the monthly payment for struggling borrowers, they did so by extending the term of the loans — which also increased the total lifetime interest by as much as three times the original cost.

The shorter - term loan will likely have a higher periodic payment, but the overall interest cost of the loan could be less, while the longer - term loan will probably have a lower payment but include a higher total cost of financing over the course of the loan.

Typically, the loan will be paid back over a set period of time, known as the loan term, and you'll be charged a percentage of the remaining balance in interest each month as a cost of borrowing the money.

Far more common, and often much more important for most types of businesses, interest expense on the income statement represents the cost of borrowing money from banks, bond investors, and other sources to meet short - term working capital needs, add property, plant, and equipment to the balance sheet, acquire competitors, or increase inventory.

Refinancing your student loans with a long - term repayment plan (15 years) might be attractive, but remember that interest rates are going to be higher and will cost you more money in the long run.

Since U.S. government debt is not long - term in nature, higher refinancing costs are extremely vulnerable to rising interest rates.

Preferred by lenders and small business owners alike, SBA loans promise low interest rates, longer repayment terms and no ballooning costs, making monthly payments manageable for small business or franchise owners.

These ownership requirements do not represent a sufficiently substantial, long - term interest in FedEx that justifies the significant costs and disruption of possible regular proxy contests.

It's a short - term interest rate that affects borrowing costs.

Even though individual consumers rarely have access to the prime interest rate, it should still mean something to you since it affects the cost of taking on a short - term loan and using a credit card.

Bernanke publicly acknowledged this week a policy conflict with the Treasury over its move to lock in low borrowing costs, which is working at odds with the central bank's efforts to lower long - term interest rates.

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.