Sentences with phrase «years of payments by»

Multiply 4 years of payments by your monthly principal + interest due and you'll get a sense for how much money making one extra payment per year can save you.

Taking those excess funds and putting them directly toward student debt can knock off months if not years of payments by reducing the principal balance and ultimately, the interest.

Not exact matches

If the Bank of Canada ultimately raises its benchmark rate by 50 basis points from the start of the year, that could increase borrowers» monthly payments by approximately 5 per cent, according to Rob McLister, founder of comparison site RateSpy.com.

Over-valuation doesn't look so severe by this measure because a big component of mortgage payments — interest rates — is very low and incomes have continued to rise over the years.

With no plans to accept Apple Pay, and no set launch date for MCX, it appears Walmart could wait no longer without risking missing out on a major shift in customer behavior: Forrester Research has forecast that mobile payments by U.S. consumers will go from $ 52 billion last year to $ 142 billion by the end of 2019.

Before Dan Price caused a media firestorm by establishing a $ 70,000 minimum wage at his Seattle company, Gravity Payments... before Hollywood agents, reality - show producers, and book publishers began throwing elbows for a piece of the hip, 31 - year - old entrepreneur with the shoulder - length hair and Brad Pitt looks... before Rush Limbaugh called him a socialist and Harvard Business School professors asked to study his radical experiment in paying workers... an entry - level Gravity employee named Jason Haley got really pissed off at him.

Forrester Research has forecast that in - person mobile payments by U.S. consumers will go from $ 3.7 billion last year to $ 34 billion by the end of 2019.

Other matching fund offers flooded in from techies, including Patrick Collison, chief executive of online payment company Stripe, and Nat Friedman, co-founder and chief executive of Xamarin, the software development company acquired last year by Microsoft (msft).

Under the standard 10 - year repayment plan, the grace period raises the monthly payment from $ 380 to $ 388, and the total cost of the loan by $ 981.

Derivatives trading is the culmination of a wild year for bitcoin, which captured imaginations and investment around the world, propelled by its stratospheric gains, and its anti-establishment mission as a currency without the backing of a government or a central bank, and a payment system without a reliance on banks.

Kaiser avoids this trap by delivering care to patients through teams of providers (doctors, nurses, nutritionists, etc.) and physicians --» who quarterback this care,» Tyson says — get a flat salary, receiving end - of - year bonus payments if their patients achieve better health.

«We expect this combination to drive cash levels near $ 7.5 bn by the end of the fiscal year, which is roughly in - line with the level achieved when the 2015 payment was made.»

Consolidation can lower your monthly payment by giving you a longer period of time (up to 30 years) to repay your loans.

The PSLF, established by President George W. Bush in 2007, allows student loan borrowers who pursue government or non-profit public service jobs to wipe out their remaining debt after 10 years of on - time payments.

Choosing the annuity option distributes the jackpot over 30 payments, which increase by 5 % each year to keep up with the cost of living.

As well, points out Jurock, the recreational and retirement property boom of a few years ago was «driven by Dad,» whose investing prowess during the stock market run - up put him in a position not only to buy that retirement dream home but to front the kids a down payment for their own place.

Investors can participate in the potential of companies such as TIO Networks Corp. (TSXV: TNC), an expedited bill - payment processor, which recorded $ 36.5 million in revenues in 2011, an increase of almost 50 % over the previous year, and Verisante Technology Inc. (TSXV: VRS), a medical device company that commercializes cancer detection systems using a platform developed by the BC Cancer Agency.

Eckert's comments were echoed by Richard Crone, a researcher who monitors the mobile - payment market, who told Bloomberg that Walmart Pay should be bigger than Apple Pay by the end of next year.

Annual transaction value of online, mobile and contactless payments will reach $ 4.7 trillion by 2019, up from just over $ 2.5 trillion this year, according to Juniper Research.

Conservative finance critic Pierre Poilievre called the PBO's findings «damaging» for the government, citing the impact of larger deficits, higher debt payments and a carbon tax that he says will erase at least $ 10 billion per year from the national economy by 2022.

Actual results, including with respect to our targets and prospects, could differ materially due to a number of factors, including the risk that we may not obtain sufficient orders to achieve our targeted revenues; price competition in key markets; the risk that we or our channel partners are not able to develop and expand customer bases and accurately anticipate demand from end customers, which can result in increased inventory and reduced orders as we experience wide fluctuations in supply and demand; the risk that our commercial Lighting Products results will continue to suffer if new issues arise regarding issues related to product quality for this business; the risk that we may experience production difficulties that preclude us from shipping sufficient quantities to meet customer orders or that result in higher production costs and lower margins; our ability to lower costs; the risk that our results will suffer if we are unable to balance fluctuations in customer demand and capacity, including bringing on additional capacity on a timely basis to meet customer demand; the risk that longer manufacturing lead times may cause customers to fulfill their orders with a competitor's products instead; the risk that the economic and political uncertainty caused by the proposed tariffs by the United States on Chinese goods, and any corresponding Chinese tariffs in response, may negatively impact demand for our products; product mix; risks associated with the ramp - up of production of our new products, and our entry into new business channels different from those in which we have historically operated; the risk that customers do not maintain their favorable perception of our brand and products, resulting in lower demand for our products; the risk that our products fail to perform or fail to meet customer requirements or expectations, resulting in significant additional costs, including costs associated with warranty returns or the potential recall of our products; ongoing uncertainty in global economic conditions, infrastructure development or customer demand that could negatively affect product demand, collectability of receivables and other related matters as consumers and businesses may defer purchases or payments, or default on payments; risks resulting from the concentration of our business among few customers, including the risk that customers may reduce or cancel orders or fail to honor purchase commitments; the risk that we are not able to enter into acceptable contractual arrangements with the significant customers of the acquired Infineon RF Power business or otherwise not fully realize anticipated benefits of the transaction; the risk that retail customers may alter promotional pricing, increase promotion of a competitor's products over our products or reduce their inventory levels, all of which could negatively affect product demand; the risk that our investments may experience periods of significant stock price volatility causing us to recognize fair value losses on our investment; the risk posed by managing an increasingly complex supply chain that has the ability to supply a sufficient quantity of raw materials, subsystems and finished products with the required specifications and quality; the risk we may be required to record a significant charge to earnings if our goodwill or amortizable assets become impaired; risks relating to confidential information theft or misuse, including through cyber-attacks or cyber intrusion; our ability to complete development and commercialization of products under development, such as our pipeline of Wolfspeed products, improved LED chips, LED components, and LED lighting products risks related to our multi-year warranty periods for LED lighting products; risks associated with acquisitions, divestitures, joint ventures or investments generally; the rapid development of new technology and competing products that may impair demand or render our products obsolete; the potential lack of customer acceptance for our products; risks associated with ongoing litigation; and other factors discussed in our filings with the Securities and Exchange Commission (SEC), including our report on Form 10 - K for the fiscal year ended June 25, 2017, and subsequent reports filed with the SEC.

By the end of that fifth year, employees have received $ 9,000 worth of contributions — and then you get a $ 1,000 bonus payment.

Analysts seem certain of this fact, with Forrester research predicting the mobile payments market will swell to $ 192 billion by 2019 in the United States alone, up from $ 52 billion last year.

A government plan to push for an upper limit of 5,000 euros to cash payments was met with fierce resistance two years ago, including by the country's own central bank.

Grounded in realistic expectations of adoption in the years ahead, providers of voice payments and banking experiences stand to accumulate early advantages by moving in early.

O'Reilly» severance, totaling the equivalent of one year of his salary, would mark the latest multimillion - dollar payment by Fox News related to men accused of sexual harassment.

The report points to September 2015 data released by the Government Accountability Office, which shows about 330,000 people, or roughly 11 % of the Americans who've taken out Parent Plus loans, have gone at least a year without making a payment.

More than 80 percent of the Brazilian adult population now has a bank account, and last year the local payment method Boleto Bancário, which is regulated by the Brazilian Federation of Banks, was the second most used payment method.

Two consumer groups, the Consumer Federation of America and Public Knowledge, sent a letter to the FCC at the beginning of this year with an estimate that subscribers were overpaying by $ 6 billion to $ 14 billion annually through the payment of these fees.

Premier Christy Clark says the government will provide first - time homebuyers with a 25 - year loan for a down payment on a home to a maximum of $ 37,500, as long as the funds have been matched by buyers.

The number of people who make a mobile payment at least once a year will grow from nearly 8 % of the US consumer population in 2014 to 65 % by 2019.

Moreover, supplemented by McDonald's rapidly kicked up interest and investment in its digital efforts over the last year in mobile ordering, delivery and payments, the brand is not only offering customers better quality goods to buy — but a lot of better ways to buy them more easily.

We forecast the number of in - store mobile payment users to rise at a 40 % five - year CAGR to reach 150 million by the end of 2020.

It never seems like that much when you're actually making the payments each month, but multiplying it by 12 makes it $ 3,228 by year 1, and then $ 22,596 by year 7 — which is roughly the amount we've been doing this so far... And that's ON TOP of the built in amounts going straight to principal with every payment too!

He plans to make a $ 681 million payment to the state's pension funds, which will cover the costs of benefits earned by active employees during the year.

While your monthly mortgage payment will be higher, you'll save money by paying off your mortgage in 15 years instead of 30 years.

You can see that despite paying over $ 3,300 toward that loan over the course of the year, I only reduced my balance by about $ 700 — and that's only because I started making extra payments.

Some immediate annuities attempt to address such issues by offering limited access to a portion of your investment while you're still alive or by stipulating that the annuity will make payments for a certain number of years (five, 10 or whatever) whether you're still living or not.

«Total CEO realized compensation» for a given year is defined as (i) Mr. Musk's salary, cash bonuses, non-equity incentive plan compensation and all other compensation as reported in «Executive Compensation — Summary Compensation Table» below, plus (ii) with respect to any stock option exercised by Mr. Musk in such year in connection with which shares of stock were also sold other than to satisfy the resulting tax liability, if any, the difference between the market price of Tesla common stock at the time of exercise on the exercise date and the exercise price of the option, plus (iii) with respect to any restricted stock unit vested by Mr. Musk in such year in connection with which shares of stock were also sold other than automatic sales to satisfy the Company's withholding obligations related to the vesting of such restricted stock unit, if any, the market price of Tesla common stock at the time of vesting, plus (iv) any cash actually received by Mr. Musk in respect of any shares sold to cover tax liabilities as described in (ii) and (iii) above, following the payment of such amounts.

By the early 1960s, the 20 - year residence rule had been reduced to 10 years and regulations applying to the payment of Old Age Security pensions to people who were absent from the country had become less restrictive.

«It takes an average of 12.5 years to save up a 20 percent down payment — the usual requirement by banks — with the current personal savings rate of 5.6 percent,» wrote columnist Quentin Fottrell of MarketWatch, citing statistics by real estate firm RealtyTrac.

The biggest share of legal payments in the first quarter of this year — about $ 348,000 — went to Jones Day, a law firm representing the campaign in the investigations by Special Counsel Robert Mueller and several congressional committees into Russian interference in the 2016 election.

«Rather, growth in disposable income (and thus in consumption) has been sustained since last year by another $ 1.4 trillion in tax cuts and extended transfer payments, implying another $ 1.4 trillion of public debt.»

Mr. Price, who started the Seattle - based credit - card payment processing firm in 2004 at the age of 19, said he would pay for the wage increases by cutting his own salary from nearly $ 1 million to $ 70,000 and using 75 to 80 percent of the company's anticipated $ 2.2 million in profit this year.

If we terminate Mr. Drexler's employment without cause or he terminates his employment with good reason, Mr. Drexler will be entitled to receive (i) a payment of his earned but unpaid annual base salary through the termination date, any accrued vacation pay and any un-reimbursed expenses, and (ii) subject to Mr. Drexler's execution of a valid general release and waiver of claims against us, as well as his compliance with the non-competition, non-solicitation and confidential information restrictions described below, (a) a payment equal to his annual base salary and target cash incentive award, one - half of such payment to be paid on the first business day that is six (6) months and one (1) day following the termination date and the remaining one - half of such payment to be paid in six equal monthly installments commencing on the first business day of the seventh calendar month following the termination date, (b) a payment equal to the product of (x) the last annual cash incentive award Mr. Drexler received prior to the termination date and (y) a fraction, the numerator of which is the number of days of service completed by Mr. Drexler in the year of termination and the denominator of which is 365, such amount to be paid on the first business day that is six (6) months and one (1) day following the termination date, and (c) the immediate vesting of such portion of unvested restricted shares and stock options as provided and pursuant to the terms of the relevant grant agreements under our 2003 Equity Incentive Plan.

Alibaba is projected to post its first decline in profit in a year and a half — the result of folding in major loss - making businesses and heightened spending to fend off a charge by Tencent Holdings into retail and payments — traditionally its turf.

In a full year, 12 monthly payments of $ 1,000 would be replaced by 26 biweekly payments of $ 500 each.

Of the year - over-year improvement, budgetary revenues were up by $ 11.4 billion, primarily due to higher personal and corporate income tax revenues, while program expenses were up by $ 0.4 billion, as lower other transfer payments and employment insurance benefits were more than offset by higher transfers to provinces / territories, elderly benefits and other direct program expenses.

Things look equally bleak based on metrics typically used by investors to evaluate a borrower's ability to make payments: In Asia and Latin America, companies» debt now represents roughly four years of operating profits, up from fewer than two years prior to the financial crisis of 2008.

The revised term sheet involves an upfront investment of C$ 5.09 - million and includes milestone payments of up to C$ 4.75 million, sales royalties, and a commitment by YOFOTO to spend a minimum of C$ 7 million on the RepliCel programs over the next five years in Greater China.