Sentences with phrase «time the interest costs»

If you don't pay off the debt on time the interest costs may make the personal debts to double or even triple in amount.

If its profit is 1.0 times its interest cost — equal to its interest costs, in other words — it has no margin of safety.

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.

Given the collapse of commodity markets was the trigger for the shock interest - rate cut in January, it is reasonable to speculate that continued weakness could prompt the central bank to lower borrowing costs a third time in 2015.

«As interest rates begin to rise over time, financial institutions will find it necessary to pass along their increased costs in the overall cost of credit to small business and commercial customers.»

If I could go back to the beginning (and was interested solely in maximizing my investments, which I'm not), I would invest only during recessions, when almost everything costs 50 % to 90 % less than it does during boom times.

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.

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

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.

If rates are rising, borrowers typically seek to lock in lower rates of interest to save on interest rate costs over time.

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.

This is because most private student loan lenders offer extended repayment plans and variable interest rates that seem lower at the onset of a loan refinance, saving borrowers money on their monthly payment as well as on the total cost of borrowing over time.

Obviously it's not desirable to have an interest rate that changes over time (unless it's going down) since it will affect both the total cost of funding as well as your ability to manage your cash flow.

At the time this vague proposal attracted little interest from anyone, although a year later the Parliamentary Budget Office (PBO) did produce a substantial document analyzing the benefits and costs of such a proposal.

Having your interest spike up to this amount can be a much larger cost, over time, than a simple $ 35 late fee.

The heavy debt burden is one of the reasons the central bank has been reluctant to raise borrowing costs further, after hiking interest rates three times between July and January.

A variable rate might be lower to start with, but the interest rate might go up later, costing you money over time.

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.

If the situation deteriorates for a given issue, history has shown there is often a window of time when it is not particularly painful to switch out to a practically identical bond, with much better interest coverage, for nominal costs.

In fact, the top reason they are interested in flexible work is work - life balance (69 percent), followed by money / cost savings (51 percent), time savings (50 percent), and stress (40 percent).

When you demonstrate that you can make timely payments, you may qualify for SnapCap's Vanishing Interest Rate program the next time you borrow a SnapCap loan, which will lower the overall cost of the loan.

This means that over time, your credit card debts could cost you a lot of money in interest unless you clear your balance on time every month.

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.

It is important to recognize that variable interest rates may increase over time, creating a higher cost of borrowing.

We calculate cash EBITDA for bonus plan purposes as cash flow from operations, adjusted to add back acquisition and sponsor - related costs, interest, taxes and certain one - time costs, such as executive severance.

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.

Sources inside the company said that discussion would happen, perhaps because social media lit up yesterday after Thiel told the New York Times that he had secretly launched an effort, costing around $ 10 million, to find and help those interested in suing Gawker.

These risks and uncertainties include food safety and food - borne illness concerns; litigation; unfavorable publicity; federal, state and local regulation of our business including health care reform, labor and insurance costs; technology failures; failure to execute a business continuity plan following a disaster; health concerns including virus outbreaks; the intensely competitive nature of the restaurant industry; factors impacting our ability to drive sales growth; the impact of indebtedness we incurred in the RARE acquisition; our plans to expand our newer brands like Bahama Breeze and Seasons 52; our ability to successfully integrate Eddie V's restaurant operations; a lack of suitable new restaurant locations; higher - than - anticipated costs to open, close or remodel restaurants; increased advertising and marketing costs; a failure to develop and recruit effective leaders; the price and availability of key food products and utilities; shortages or interruptions in the delivery of food and other products; volatility in the market value of derivatives; general macroeconomic factors, including unemployment and interest rates; disruptions in the financial markets; risk of doing business with franchisees and vendors in foreign markets; failure to protect our service marks or other intellectual property; a possible impairment in the carrying value of our goodwill or other intangible assets; a failure of our internal controls over financial reporting or changes in accounting standards; and other factors and uncertainties discussed from time to time in reports filed by Darden with the Securities and Exchange Commission.

Prior to the CARD Act there was a wide gap between the stated interest rate and the actual cost of the card to the consumer over time.

a municipal bond that is secured by an escrow fund; the escrow fund comes from the issuer floating a second bond issue and using the proceeds from that second bond issue to purchase government obligations, typically U.S. Treasuries, proceeds from the second bond issue create an escrow fund to mature at the first call date of the first bond issue to pre-refund that issue; bond issuers will typically do this during times of lower interest rates to lower their interest costs

You're paying more money up front, in the form of closing costs, but you'll pay less in interest over time.

This story focuses on average mortgage rates, which is the average interest cost assigned to home loans at a particular period of time.

Debt needs to be repaid over time and will cost you interest.

The unit's return on assets, at 6.7 percent, is some seven times better than its owner's 0.9 percent, a sign of both OneMain's lower costs and the higher interest rates it charges customers.

Our sense is that the bank will not go another year between interest rate increases, but rather will raise borrowing costs some three times — or more — in 2017 and then follow that up with an encore in 2018.

This will increase the total cost of your loans over time, because you will then pay interest on the increased loan principal balance.

Firms would have spend extra time training and supervising their salespeople, teaching them what it means to put clients» interests first, and hiring lawyers to make sure that all costs are properly disclosed.

With a 15 - year fixed home loan, you could pay off your second home mortgage in half the time, reducing your total interest costs significantly.

This would allow you to pay off your mortgage faster, and potentially save a lot of money in interest costs over time.

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It also suggested credit providers were becoming more picky about who they would lend credit to at a time of regulator - driven curbs that have seen commercial lenders increasingly raise costs for borrowers on investment loan products such as interest - only loans, Mr Shilbury said.

might appear to be a time saver for small business owners who need to get money quickly, but the high short - term interest rates can cost far more in the end.

Reduce your interest costs and the time it takes to pay down your mortgage by using your prepayment privileges.

Credit cards charge incredibly high - interest rates, so carrying a balance will cost you a lot of money over time.

The timing of the surge of deals has its roots in a low - interest - rate environment that has lowered the cost of funds.

Accelerated payments are a great way to achieve interest cost savings and reduce the time it takes to pay down your mortgage.

Even though you can probably qualify for a lower monthly payment than the standard amount, the most expensive option will cost three times the interest of the standard repayment plan.

Paying off your debt over a longer time frame might increase your total interest cost even if the rate is lower; avoid this by accelerating your repayment with extra principal payments

Anecdotal evidence suggests that investor interest in new apartments has been waning for some time, and some apartment developers report difficulties in meeting required pre-sales and face escalating construction costs, particularly in Melbourne.

When the pace of inflation eases over a longer period and interest rates are still low, this is a good time to borrow at a low cost.