Based on the information you have provided, you understand that those disclosures will contain estimates of costs related to closing a loan, as well
as current market interest rates.
As the current market interest rates change, homeowners» interest rates adjust to reflect the change in rates as well.
At the time of issue of the bond, the interest rate and other conditions of the bond will have been influenced by a variety of factors, such
as current market interest rates, the length of the term and the creditworthiness of the issuer.
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 wage pop [last Friday's 2.9 % growth in hourly wages] spooked the
markets because investors, already skittish
as valuations were a bit steep (though not
as bad
as people have been saying, given strong
current and expected corporate earnings), envisioned this sequence: wage growth gooses price growth (i.e., inflation), which raises both
market and Federal Reserve
interest rates, which slows growth and shaves corporate profit margins.
The reality is that one doesn't need
interest rates reasonably estimate 10 - year prospective
market returns, just
as one doesn't need
interest rates to calculate that a $ 100 expected payment in 10 years, at a
current price of $ 65, will result in an expected total return of 4.4 % over the coming decade.
Given the absence of a public trading
market of our common stock, and in accordance with the American Institute of Certified Public Accountants Accounting and Valuation Guide, Valuation of Privately - Held Company Equity Securities Issued
as Compensation, our board of directors exercised reasonable judgment and considered numerous and subjective factors to determine the best estimate of fair value of our common stock, including independent third - party valuations of our common stock; the prices at which we sold shares of our convertible preferred stock to outside investors in arms - length transactions; the rights, preferences, and privileges of our convertible preferred stock relative to those of our common stock; our operating results, financial position, and capital resources;
current business conditions and projections; the lack of marketability of our common stock; the hiring of key personnel and the experience of our management; the introduction of new products; our stage of development and material risks related to our business; the fact that the option grants involve illiquid securities in a private company; the likelihood of achieving a liquidity event, such
as an initial public offering or a sale of our company given the prevailing
market conditions and the nature and history of our business; industry trends and competitive environment; trends in consumer spending, including consumer confidence; and overall economic indicators, including gross domestic product, employment, inflation and
interest rates, and the general economic outlook.
As usual, the Fed chair hedged her bets somewhat, saying she wanted to see further improvement in labor
market conditions and greater confidence that inflation would move back up to 2 % in the next few years, but, based on
current trends, it seems that small, incremental hikes in base
interest rates are looming on the horizon.
As usual, I don't place too much emphasis on this sort of forecast, but to the extent that I make any comments at all about the outlook for 2006, the bottom line is this: 1) we can't rule out modest potential for stock appreciation, which would require the maintenance or expansion of already high price / peak earnings multiples; 2) we also should recognize an uncomfortably large potential for market losses, particularly given that the current bull market has now outlived the median and average bull, yet at higher valuations than most bulls have achieved, a flat yield curve with rising interest rate pressures, an extended period of internal divergence as measured by breadth and other market action, and complacency at best and excessive bullishness at worst, as measured by various sentiment indicators; 3) there is a moderate but still not compelling risk of an oncoming recession, which would become more of a factor if we observe a substantial widening of credit spreads and weakness in the ISM Purchasing Managers Index in the months ahead, and; 4) there remains substantial potential for U.S. dollar weakness coupled with «unexpectedly» persistent inflation pressures, particularly if we do observe economic weaknes
As usual, I don't place too much emphasis on this sort of forecast, but to the extent that I make any comments at all about the outlook for 2006, the bottom line is this: 1) we can't rule out modest potential for stock appreciation, which would require the maintenance or expansion of already high price / peak earnings multiples; 2) we also should recognize an uncomfortably large potential for
market losses, particularly given that the
current bull
market has now outlived the median and average bull, yet at higher valuations than most bulls have achieved, a flat yield curve with rising
interest rate pressures, an extended period of internal divergence
as measured by breadth and other market action, and complacency at best and excessive bullishness at worst, as measured by various sentiment indicators; 3) there is a moderate but still not compelling risk of an oncoming recession, which would become more of a factor if we observe a substantial widening of credit spreads and weakness in the ISM Purchasing Managers Index in the months ahead, and; 4) there remains substantial potential for U.S. dollar weakness coupled with «unexpectedly» persistent inflation pressures, particularly if we do observe economic weaknes
as measured by breadth and other
market action, and complacency at best and excessive bullishness at worst,
as measured by various sentiment indicators; 3) there is a moderate but still not compelling risk of an oncoming recession, which would become more of a factor if we observe a substantial widening of credit spreads and weakness in the ISM Purchasing Managers Index in the months ahead, and; 4) there remains substantial potential for U.S. dollar weakness coupled with «unexpectedly» persistent inflation pressures, particularly if we do observe economic weaknes
as measured by various sentiment indicators; 3) there is a moderate but still not compelling risk of an oncoming recession, which would become more of a factor if we observe a substantial widening of credit spreads and weakness in the ISM Purchasing Managers Index in the months ahead, and; 4) there remains substantial potential for U.S. dollar weakness coupled with «unexpectedly» persistent inflation pressures, particularly if we do observe economic weakness.
The Bank of England confused
markets as they voted 7 - 2 to sustain the
current interest rate policy, even though consensus assumed a 25 basis point increase.
In my view, investors who view
current valuations
as «justified relative to
interest rates» are really saying that a decade of zero total returns on stocks is perfectly adequate compensation for the risk of a 45 - 55 %
market loss over the completion of the
current market cycle - a decline that would historically be merely run - of - the - mill given
current valuations, and that certainly can not be precluded by appealing to low
interest rates.
The
current valuation of the S&P 500 is lofty by almost any measure, both for the aggregate
market as well
as the median stock: (1) The P / E ratio; (2) the
current P / E expansion cycle; (3) EV / Sales; (4) EV / EBITDA; (5) Free Cash Flow yield; (6) Price / Book
as well
as the ROE and P / B relationship; and compared with the levels of (6) inflation; (7) nominal 10 - year Treasury yields; and (8) real
interest rates.
As for the
current market, I like to think that people are still rational in playing the gravity game with
interest rates, albeit the recent optimism is slightly far fetched, but I think it's fine.
The difficulty for the ECB in managing
market expectations on monetary policy in the face of stronger economic growth was evident elsewhere in President Draghi's remarks,
as he repeatedly stressed the need to keep the region's
interest rates at
current levels while the central bank winds down its QE program.
Market volatility is impacting fixed - income portfolios
as economic news can have divergent impacts on short - term
interest rates, based on
current conditions, and on long - term
rates based, on future expectations.
I don't claim to be an expert at assessing
market conditions, but the last thing I'd want to do with my money right now is lend it to companies who see the
current low
interest rates as an opportunity to raise cash cheaply.
Does the
current upward move in
interest rates pose «a threat» to the stock
market,
as the Journal suggests?
Relatively low but not surprising given an 8 year bull
market that has increased stock prices,
as well
as the
current low
interest rate environment (which means that companies don't need to pay high dividends to attract investors).
The
interest rate can change at a specified time, known
as an adjustment period, based on a published index that tracks changes in the
current finance
market.
WACC measures the cost of outside capital to a company
as a blend of after - tax
interest rates and capitalization values for common stocks based on references to
current common stock prices in public
markets.
As long as the coupon reflects current market yields, the security will not lose value due to interest rate ris
As long
as the coupon reflects current market yields, the security will not lose value due to interest rate ris
as the coupon reflects
current market yields, the security will not lose value due to
interest rate risk.
Also quoting from the post at Accrued
Interest, quoting from the Moody's report, «Moody's stated that the
ratings review was prompted, in part, by concerns about the deterioration in ABK's financial flexibility since the company's $ 1.5 billion capital raise in March 2008,
as evidenced by the substantial decline in the firm's
market capitalization and high
current spreads on its debt securities, making it increasingly difficult to economically address potential shortfalls in the company's capital position should
markets continue to worsen.
A $ 100,000 3 % cashback mortgage (
as of Aug 2014 offered at 3.9 % for 5 years — a 1 % premium over
current market rates) effectively costs an additional $ 4,989.60 in
interest over the first five year term.
Given the rising
interest rate environment
as a result of stronger economic growth, they believe that, in the
current market, positioning the fund along the intermediate portion of the yield curve provides investors less
interest rate sensitivity than longer duration portfolios.
New
interest rates are calculated based on the borrower's credit history and overall financial health,
as well
as current financial
market conditions, rather than the weighted average of the included loans.
Refinancing from an ARM to a fixed -
rate mortgage may be in your best
interest,
as long
as you take
current market conditions and fees into consideration.
As the name implies,
market - linked CDs grant a
rate of return based on the
current state of a designated security or
market index, meaning that your earnings in
interest will rise and fall along with the state of the linked securities.
As for the
current market, I like to think that people are still rational in playing the gravity game with
interest rates, albeit the recent optimism is slightly far fetched, but I think it's fine.
Alternatively, if
interest rates go down, the
current value of your bond increases on the open
market to make it appear
as if it is yielding a lower
rate.
The firm says the fund will serve
as a complement to its existing multi-sector lineup, and is designed to address the challenges of the
current market environment including low
interest rates, volatility potential, stretched valuations, and impaired
market liquidity.
The
interest rate on a personal loan may be
as low
as 7 % compared to APR on credit cards that are often 20 % or more in the
current market.
The many
market commentators who view
current stock prices
as cheap, comparing forward earnings to
interest rates, are doing something akin to the Fed model, but without citing it explicitly.
Since I have been accurate on most
current themes — the major political developments, on Europe, on recessions, on earnings growth, and on the
market,
as well
as rising
interest rates — I would be very
interested to see a comprehensive analysis of yours!
Note: Figures that pertain to
interest rates were
current as of March 2017, but since the
market conditions are always changing, the actual
interest rates offered by the lenders will change.
Here's how it works: • Top - up on existing car loan • Top - up loan with your used car
as guarantee • Minimal and hassle - free documentation • Easy and low EMIs •
Interest rates lower than
current market rates
The initial low premiums for an indeterminate premium life insurance policy are designed to pay the costs of policy maintenance,
current market interest rates, and your personal demographics such
as health, age, and where you live.
More than three - quarters of homeowners,
current and prospective, recently surveyed by Berkshire Hathaway HomeServices reported increasing
interest rates as a challenge to the
market.
Mike Greeff, CEO of Greeff Christies International Real Estate, is also optimistic on the effect on the
market: «Any type of easing in
interest rates will encourage individuals to get involved in the property sector,
as well
as bring relief for
current bond holders in that it will have two possible effects: it could either create additional disposable income in their budgets, or it will allow for a higher than required bond repayment which can in essence take years off your bond.»
In fact, 76 % of
current homeowners and 79 % of prospective homeowners cite increasing
interest rates as a challenge impacting the real estate
market today.
«Builder confidence increased by solid margins in every region of the country in July
as views of
current sales conditions, prospects for future sales and traffic of prospective buyers all improved,» says Barry Rutenberg, chairman of the National Association of Home Builders (NAHB) and a home builder from Gainesville, Fla. «This is greater evidence that the housing
market has turned the corner
as more buyers perceive the benefits of purchasing a newly built home while
interest rates and prices are so favorable.»
Ryan discusses the death of Osama Bin Laden; Ryan reviews the economic news of the week; Ryan notices the correlation between increased home sales and
interest rate drops; Louis notes we can't expect the housing
market to be supported by further decreases in
rates as they are already near historic lows; Ryan explains that
interest rates change once every four hours; Ryan notes the difference between getting a quote and being locked in to an
interest rate; Ryan advises the importance of keeping in touch with your mortgage lender; Louis notes that
interest rates change a lot faster than home prices; Ryan notes that the consumer confidence was up, Ryan and Louis discuss the Fed's decision to keep
interest rates where they are and to continue the $ 600 billion QE2 program; Ryan and Louis discuss the Fed's view that inflation is nascent; Louis notes that not only does the Fed not see inflation that exists but disclaims any responsibility for it; Louis asserts that there is a correlation between oil prices and Fed policy; Louis discusses Ben Bernanke's assertion that the Fed can't control oil prices but that they somehow can control the impact of higher oil prices on the rest of the economy; Louis also remarks on Bernanke's view of the dollar - the claim that a strong dollar can be achieved through the Fed's
current policy
as it is their belief that they are creating a sound economy and therefore a sound dollar; Louis notes the irony of the Fed chastising Congress» spendthrift ways — if the Fed did not monetize the debt, Congress could» nt spend; Louis noted that
as Bernanke spoke the prices of gold and silver rose
as it seemed that the Fed has no
interest in cutting off the easy money; the
current Fed policy will keep
interest rates low; Ryan notes that the Fed knows that they can't let
interest rates rise because of the housing mess; Louis notes that the Fed has a Hobson's Choice - either keep
rates low or let
interest rates rise and cut off the recovery.