Hoarseness, an abnormal change in your voice, is a common condition thatâs often experienced in conjunction with a dry or scratchy throat. If your voice is hoarse, you may have a raspy, weak, or airy quality to your voice that prevents you from making smooth vocal sounds.
One way to minimize interest rate risk is to buy short-term bonds that take less time to mature. It's less painful to be stuck with a low-paying bond for five years than a low paying bond for 20 or 30 years. Another way to minimize risk is to hold the bond until maturity.
Effects. Poor or bad credit can make the financing or refinancing of everything more expensive for a consumer. When refinancing can be done at all, the loan interest rate will usually be on average at least two percentage points higher than the rate offered to consumers with excellent credit. If your mortgage interest rate is high already, try to get your lender to grant at least a small reduction.