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  2. How interest rate changes affect debt - AOL

    www.aol.com/finance/interest-rate-changes-affect...

    Interest rate changes: short-term vs. long-term debt The amount may only add up or save you a few hundred extra dollars over the life of a short-term loan like a personal loan.

  3. Good debt vs. bad debt: How different debts affect your finances

    www.aol.com/finance/good-debt-vs-bad-debt...

    Any high-interest consumer debt that doesn’t help you meet your long-term financial goals is considered bad debt. On the opposite end of the spectrum, some forms of debt can lead to greater ...

  4. Short-term vs. long-term goals: Best savings strategies to ...

    www.aol.com/finance/short-term-vs-long-term...

    Short-term goals. Long-term goals. Vacation. Retirement. Down payment for a car or house. Opening a business. Deposit for a new apartment. Paying for a child’s education

  5. Consumer debt - Wikipedia

    en.wikipedia.org/wiki/Consumer_debt

    In macroeconomic terms, it is debt which is used to fund consumption rather than investment. [1] The most common forms of consumer debt are credit card debt, payday loans, student loans and other consumer finance, which are often at higher interest rates than long-term secured loans, such as mortgages.

  6. Liability (financial accounting) - Wikipedia

    en.wikipedia.org/wiki/Liability_(financial...

    They usually include issued long-term bonds, notes payable, long-term leases, pension obligations, and long-term product warranties. Liabilities of uncertain value or timing are called provisions. When a company deposits cash with a bank , the bank records a liability on its balance sheet, representing the obligation to repay the depositor ...

  7. Risk–return spectrum - Wikipedia

    en.wikipedia.org/wiki/Risk–return_spectrum

    Overlapping the range for short-term debt is the longer term debt from those same well-rated corporations. These are higher up the range because the maturity has increased. The overlap occurs of the mid-term debt of the best rated corporations with the short-term debt of the nearly perfectly, but not perfectly rated corporations.

  8. How Accounts Payable Are Recorded on a Balance Sheet - AOL

    www.aol.com/accounts-payable-recorded-balance...

    Long-term debt: If you financed a property for business use with a 15-year mortgage, that’s a liability. But the long timeline and ongoing nature distinguish this type of debt from short-term ...

  9. Capital structure - Wikipedia

    en.wikipedia.org/wiki/Capital_structure

    Once management has decided how much debt should be used in the capital structure, decisions must be made as to the appropriate mix of short-term debt and long-term debt. Increasing the percentage of short-term debt can enhance a firm's financial flexibility, since the borrower's commitment to pay interest is for a shorter period of time. But ...