The yield to maturity may
change from year to year for any bond, depending on changes in the overall demand for bonds in the market.
Not exact matches
Previously, same - store sales growth represented the estimated percentage
change in sales of all restaurants in the Company system that have been open
for one
year or more, and the base stores
changed on a rolling basis
from month
to month.
We've made many
changes to it over the
years as we've learned
from our experiences, and we're always looking
for ways
to make it better.»
The two CEOs hope that the
changes resulting
from the merger will be implemented over the next couple of
years, creating a «dramatic
change»
for consumers in which the store will be «not just about products, but also service offerings that can help people on their path
to better health.»
The issue stems, in part,
from year - old
changes to Canada's express entry system which makes it impossible
for someone in the PGWPP program
to gain express entry without a Labour Market Impact Assessment, as chronicled by Nicholas Keung:
Now that the internet has been
changing our lives
for more than 20
years, information has gone
from a rare resource
to a commodity.
The consensus
from psychologists is that the test — invented more than 50
years ago by mother - daughter duo Katharine Briggs and Isabel Myers — is too rigid and fails
to provide context or leave room
for people
to change.
More
from the South China Morning Post: How ethical fashion is growing in Asia - Pacific and five sustainable clothing brands
to watch Five
years since the nightmare of Rana Plaza, what
changed for Bangladesh garment workers?
Russ Corsi, who worked nearly 32
years for Pittsburgh - based PPG, a global supplier of auto glass, says larger sunroofs are also more prone
to weakening over time as the pane absorbs impacts
from bumps in the road, twists and turns of the car's frame, and «thermal shock» — the expanding and contracting
from sudden temperature
changes.
Imports of industrial machinery and equipment, a proxy
for investment, was little
changed in February
from a
year earlier, according
to StatsCan's trade report.
If you have been impacted and don't take action (like
changing your password and monitoring other sites you frequent), that information can be used
for everything
from identity theft
to more serious forms of harassment — and continue
to unfold
years later as information gets sold and resold.
Stringent Federal Aviation Administration (FAA) rules prohibiting the use of unmanned aircraft
for commercial use has largely kept American companies
from leveraging drone technology
to their advantage, but that's rapidly
changing in the Arctic, where a series of FAA decisions handed down in the past
year are easing restrictions on commercial drone flights.
Actual results and the timing of events could differ materially
from those anticipated in the forward - looking statements due
to these risks and uncertainties as well as other factors, which include, without limitation: the uncertain timing of, and risks relating
to, the executive search process; risks related
to the potential failure of eptinezumab
to demonstrate safety and efficacy in clinical testing; Alder's ability
to conduct clinical trials and studies of eptinezumab sufficient
to achieve a positive completion; the availability of data at the expected times; the clinical, therapeutic and commercial value of eptinezumab; risks and uncertainties related
to regulatory application, review and approval processes and Alder's compliance with applicable legal and regulatory requirements; risks and uncertainties relating
to the manufacture of eptinezumab; Alder's ability
to obtain and protect intellectual property rights, and operate without infringing on the intellectual property rights of others; the uncertain timing and level of expenses associated with Alder's development and commercialization activities; the sufficiency of Alder's capital and other resources; market competition;
changes in economic and business conditions; and other factors discussed under the caption «Risk Factors» in Alder's Annual Report on Form 10 - K
for the fiscal
year ended December 31, 2017, which was filed with the Securities and Exchange Commission (SEC) on February 26, 2018, and is available on the SEC's website at www.sec.gov.
Whole Foods hired the advisory firm Evercore Partners earlier this
year to defend itself
from pressure by activist shareholder Jana Partners, which announced in April it had amassed an 8.3 percent stake and pushed
for changes to the Whole Foods board of directors.
But the latest wave of sales tax
changes appears voluntary, and began late last
year when Amazon started collecting sales tax
for Washington, D.C. Amazon steadily added states
from December
to March, with the April wave completing the standardization of company policy.
It's Microsoft's most important franchise
for the Xbox, and even though it's
changed hands
from Bungie
to Microsoft - owned 343 Industries, the development team has twice shown us it's capable of Master Chief's mantle: first in 2012 with «Halo 4,» and this
year with «The Master Chief Collection,» which remastered and remixed the first four major titles with new graphics and interesting gameplay additions like playlists.
With revenue sliding
from existing games and most new titles failing
to break through the app store clutter, Glu will
change its strategy resulting in lower expected revenue and larger losses
for the rest of the
year.
In addition
to the factors impacting the
year - over-
year changes in quarterly GAAP pretax income, GAAP EPS
for 1Q18 was further affected by a lower number of shares primarily reflecting share repurchases in 2017 and the impact of a lower tax rate in 1Q18 resulting
from the Tax Reform Law.
Many experts don't expect that the world will adopt Level 4 autonomy — the ability
to summon a car that goes
from point A
to point B without human interference —
for 25
years, or a full generational
change.
(Updates prices, market activity and comments
to U.S. market open, new byline,
changes dateline, previous LONDON) NEW YORK, May 3 (Reuters)- The U.S. dollar was little
changed in choppy trading on Thursday as investors took profits
from a rally that sent the greenback
to its highest levels of the
year and awaited Fridays payrolls data
for April.
For a country that has long considered a plain vanilla 25 -
year mortgage
from a bank
to be the foundation of the home - buying industry, the potential
changes wrought by these new entrants and product innovations strike some observers as puzzling, and perhaps dangerous.
Among the factors that could cause actual results
to differ materially are the following: (1) worldwide economic, political, and capital markets conditions and other factors beyond the Company's control, including natural and other disasters or climate
change affecting the operations of the Company or its customers and suppliers; (2) the Company's credit ratings and its cost of capital; (3) competitive conditions and customer preferences; (4) foreign currency exchange rates and fluctuations in those rates; (5) the timing and market acceptance of new product offerings; (6) the availability and cost of purchased components, compounds, raw materials and energy (including oil and natural gas and their derivatives) due
to shortages, increased demand or supply interruptions (including those caused by natural and other disasters and other events); (7) the impact of acquisitions, strategic alliances, divestitures, and other unusual events resulting
from portfolio management actions and other evolving business strategies, and possible organizational restructuring; (8) generating fewer productivity improvements than estimated; (9) unanticipated problems or delays with the phased implementation of a global enterprise resource planning (ERP) system, or security breaches and other disruptions
to the Company's information technology infrastructure; (10) financial market risks that may affect the Company's funding obligations under defined benefit pension and postretirement plans; and (11) legal proceedings, including significant developments that could occur in the legal and regulatory proceedings described in the Company's Annual Report on Form 10 - K
for the
year ended Dec. 31, 2017, and any subsequent quarterly reports on Form 10 - Q (the «Reports»).
But many of the
changes come
from listening
to customers who have been coming
to the restaurant
for years and
years.
Fed watchers had been looking
for the language
to change from «this
year,» as indicated following the June meeting,
to something more immediate.
The closeness between the two men
changed earlier this
year, however, at about the same time that Redstone started
to become closer
to his daughter Shari, who had been estranged
from her father
for a number of
years.
Last
year, the figure was 333,000, of which 184,000 came
from the E.U. Even if you accept, as most do, that immigration has expanded the tax base and kept the price of both food and services down, the influx —
for which there is no end in sight — is
changing the face of the country too fast
for the population
to stomach, and the E.U.'s rules on free movement of labor are an easy target.
It's a major
change for Facebook, which over the
years has shifted
from being a social networking service connecting friends and family
to one of the world's biggest distributors of news and online ads.
The bipartisan Senate plan would attempt
to maintain TPS in return
for ending or
changing a «diversity» lottery program that has been aimed at allowing up
to 50,000 people a
year from countries with few emigres
to the United States.
These risks and uncertainties include: Gilead's ability
to achieve its anticipated full
year 2018 financial results; Gilead's ability
to sustain growth in revenues
for its antiviral and other programs; the risk that private and public payers may be reluctant
to provide, or continue
to provide, coverage or reimbursement
for new products, including Vosevi, Yescarta, Epclusa, Harvoni, Genvoya, Odefsey, Descovy, Biktarvy and Vemlidy ®; austerity measures in European countries that may increase the amount of discount required on Gilead's products; an increase in discounts, chargebacks and rebates due
to ongoing contracts and future negotiations with commercial and government payers; a larger than anticipated shift in payer mix
to more highly discounted payer segments and geographic regions and decreases in treatment duration; availability of funding
for state AIDS Drug Assistance Programs (ADAPs); continued fluctuations in ADAP purchases driven by federal and state grant cycles which may not mirror patient demand and may cause fluctuations in Gilead's earnings; market share and price erosion caused by the introduction of generic versions of Viread and Truvada, an uncertain global macroeconomic environment; and potential amendments
to the Affordable Care Act or other government action that could have the effect of lowering prices or reducing the number of insured patients; the possibility of unfavorable results
from clinical trials involving investigational compounds; Gilead's ability
to initiate clinical trials in its currently anticipated timeframes; the levels of inventory held by wholesalers and retailers which may cause fluctuations in Gilead's earnings; Kite's ability
to develop and commercialize cell therapies utilizing the zinc finger nuclease technology platform and realize the benefits of the Sangamo partnership; Gilead's ability
to submit new drug applications
for new product candidates in the timelines currently anticipated; Gilead's ability
to receive regulatory approvals in a timely manner or at all,
for new and current products, including Biktarvy; Gilead's ability
to successfully commercialize its products, including Biktarvy; the risk that physicians and patients may not see advantages of these products over other therapies and may therefore be reluctant
to prescribe the products; Gilead's ability
to successfully develop its hematology / oncology and inflammation / respiratory programs; safety and efficacy data
from clinical studies may not warrant further development of Gilead's product candidates, including GS - 9620 and Yescarta in combination with Pfizer's utomilumab; Gilead's ability
to pay dividends or complete its share repurchase program due
to changes in its stock price, corporate or other market conditions; fluctuations in the foreign exchange rate of the U.S. dollar that may cause an unfavorable foreign currency exchange impact on Gilead's future revenues and pre-tax earnings; and other risks identified
from time
to time in Gilead's reports filed with the U.S. Securities and Exchange Commission (the SEC).
Determination of the National Average Wage Index
for 2016
To determine the national average wage index for calendar year 2016, we multiplied the 2015 national average wage index of 48,098.63 by the percentage change in average wages from 2015 to 2016, as measured by annual wage data we tabulate
To determine the national average wage index
for calendar
year 2016, we multiplied the 2015 national average wage index of 48,098.63 by the percentage
change in average wages
from 2015
to 2016, as measured by annual wage data we tabulate
to 2016, as measured by annual wage data we tabulated.
A
changing of the guard is under way at prominent CBD agency Burgess Rawson, with founding partner and joint managing director Geoff Potter stepping down
from the position he has held
for 21
years and handing over the reins
to fellow joint managing director, Andrew McKerracher.
To determine the national average wage index for 2016 at a level that is consistent with the national average wage indexing series for prior years, we multiply the 2015 national average wage index of 48,098.63 by the percentage change in average wages from 2015 to 2016 (based on our tabulated wage data
To determine the national average wage index
for 2016 at a level that is consistent with the national average wage indexing series
for prior
years, we multiply the 2015 national average wage index of 48,098.63 by the percentage
change in average wages
from 2015
to 2016 (based on our tabulated wage data
to 2016 (based on our tabulated wage data).
While the Financial Times reported Tuesday that BuzzFeed had cut its 2016 revenue goals in half,
from $ 500 million
to $ 250 million, Lerer says the company's board hasn't
changed its forecast
for this
year.
Factors that could cause or contribute
to actual results differing
from our forward - looking statements include risks relating
to: failure of DBRS
to rate the Notes at the anticipated ratings levels, which is a closing condition, or at all;
changes in the financial markets, including
changes in credit markets, interest rates, securitization markets generally and our proposed securitization in particular; the willingness of investors
to buy the Notes; adverse developments regarding OnDeck, its business or the online or broader marketplace lending industry generally, any of which could impact what credit ratings, if any, are issued with respect
to the Notes; the extended settlement cycle
for the scheduled closing on April 17, 2018, which may exacerbate the foregoing risks; and other risks, including those described in our Annual Report on Form 10 - K
for the
year ended December 31, 2017 and in other documents that we file with the Securities and Exchange Commission
from time
to time which are or will be available on the Commission's website at www.sec.gov.
Since the information used
to calculate your payment may
change from year -
to -
year, you must re-apply annually
for Income - Based Repayment.
These things don't
change a ton
from year to year — there's a shortfall out there in a few decades and the fixes
for it are known — which is not
to say they're easy.
Other regulatory
changes will enact penalties
for those who fail
to comply, including «10
years imprisonment,» with an increase in fines
from 50 million won or less
to a maximum of 500 million won.
Since the information used
to calculate your payment may
change from year -
to -
year, you must re-apply annually
for Income - Sensitive Repayment.
So,
for you, what
changed from the 2014 post where you «absolutely plan
to have PC manage at least $ 100,000
to start this
year and go
from there»
to the 2017 reply of not letting them invest your money?
Forward - looking statements may include, among others, statements concerning our projected adjusted income (loss)
from operations outlook
for 2018, on both a consolidated and segment basis; projected total revenue growth and global medical customer growth, each over
year end 2017; projected growth beyond 2018; projected medical care and operating expense ratios and medical cost trends; our projected consolidated adjusted tax rate; future financial or operating performance, including our ability
to deliver personalized and innovative solutions
for our customers and clients; future growth, business strategy, strategic or operational initiatives; economic, regulatory or competitive environments, particularly with respect
to the pace and extent of
change in these areas; financing or capital deployment plans and amounts available
for future deployment; our prospects
for growth in the coming
years; the proposed merger (the «Merger») with Express Scripts Holding Company («Express Scripts») and other statements regarding Cigna's future beliefs, expectations, plans, intentions, financial condition or performance.
Since the information used
to calculate your payment may
change from year -
to -
year, you must re-apply annually
for Pay As You Earn.
Since the information used
to calculate your payment may
change from year -
to -
year, you must re-apply annually
for Income - Contingent Repayment.
Since the information used
to calculate your payment may
change from year -
to -
year, you must re-apply annually
for Revised Pay As You Earn.
[01:10] Introduction [02:45] James welcomes Tony
to the podcast [03:35] Tony's leap
year birthday [04:15] Unshakeable delivers the specific facts you need
to know [04:45] What James learned
from Unshakeable [05:25] Most people panic when the stock market drops [05:45] Getting rid of your fear of investing [06:15] Last January was the worst opening, but it was a correction [06:45] You are losing money when you sell on corrections [06:55] Bear markets come every 5
years on average [07:10] The greatest opportunity
for a millennial [07:40] Waiting
for corrections
to invest [08:05] Warren Buffet's advice
for investors [08:55] If you miss the top 10 trading days a
year... [09:25] Three different investor scenarios over a 20
year period [10:40] The best trading days come after the worst [11:45] Investing in the current world [12:05] What Clinton and Bush think of the current situation [12:45] The office is far bigger than the occupant [13:35] Information helps reduce fear [14:25] James's story of the billionaire upset over another's wealth [14:45] What money really is [15:05] The story of Adolphe Merkle [16:05] The story of Chuck Feeney [16:55] The importance of the right mindset [17:15] What fuels Tony [19:15] Find something you care about more than yourself [20:25] Make your mission
to surround yourself with the right people [21:25] Suffering made Tony hungry
for more [23:25] By feeding his mind, Tony found strength [24:15] Great ideas don't interrupt you, you have
to pursue them [25:05] Never - ending hunger is what matters [25:25] Richard Branson is the epitome of hunger and drive [25:40] Hunger is the common denominator [26:30] What you can do starting right now [26:55] Success leaves clues [28:10] What it means
to take massive action [28:30] Taking action commits you
to following through [29:40] If you do nothing you'll learn nothing [30:20] There must be an emotional purpose behind what you're doing [30:40] How does Tony ignite creativity in his own life [32:00] «How is not as important as «why» [32:40] What and why unleash the psyche [33:25] Breaking the habit of focusing on «how» [35:50] Deep Practice [35:10] Your desired outcome will determine your action [36:00] The difference between «what» and «why» [37:00] Learning how
to chunk and group [37:40] Don't mistake movement
for achievement [38:30] Tony doesn't negotiate with his mind [39:30]
Change your thoughts and change your biochemistry [40:00] The bad habit of being stressed [40:40] Beautiful and suffering states [41:50] The most important decision is to live in a beautiful state no matter what [42:40] Consciously decide to take yourself out of suffering [43:40] Focus on appreciation, joy and love [44:30] Step out of suffering and find the solution [45:00] Dealing with mercury poisoning [45:40] Tony's process for stepping out of suffering [46:10] Stop identifying with thoughts — they aren't yours [47:40] Trade your expectations for appreciation [50:00] The key to life — gratitude [51:40] What is freedom fo
Change your thoughts and
change your biochemistry [40:00] The bad habit of being stressed [40:40] Beautiful and suffering states [41:50] The most important decision is to live in a beautiful state no matter what [42:40] Consciously decide to take yourself out of suffering [43:40] Focus on appreciation, joy and love [44:30] Step out of suffering and find the solution [45:00] Dealing with mercury poisoning [45:40] Tony's process for stepping out of suffering [46:10] Stop identifying with thoughts — they aren't yours [47:40] Trade your expectations for appreciation [50:00] The key to life — gratitude [51:40] What is freedom fo
change your biochemistry [40:00] The bad habit of being stressed [40:40] Beautiful and suffering states [41:50] The most important decision is
to live in a beautiful state no matter what [42:40] Consciously decide
to take yourself out of suffering [43:40] Focus on appreciation, joy and love [44:30] Step out of suffering and find the solution [45:00] Dealing with mercury poisoning [45:40] Tony's process
for stepping out of suffering [46:10] Stop identifying with thoughts — they aren't yours [47:40] Trade your expectations
for appreciation [50:00] The key
to life — gratitude [51:40] What is freedom
for you?
Over a
year which has seen large banks halt funding
for fossil fuel projects, major institutions divest
from oil, gas and coal holdings, and oil companies snap up power and renewables companies in a bid
to diversify their asset base, research published today by the UK Sustainable Investment and Finance Association (UKSIF) and the Climate
Change Collaboration suggests nervousness over climate risk has shot up in financial circles.
We caution you that these statements are not guarantees of future performance and are subject
to numerous risks and uncertainties, including volatility in the economy and the credit markets, supply and demand
changes for vacation ownership and residential products, competitive conditions; the availability of capital
to finance growth, and other matters referred
to under the heading «Risk Factors» contained in our Annual Report on 10 - K
for the
year ended December 30, 2011 filed with the U.S. Securities and Exchange Commission (the «SEC») and in subsequent SEC filings, any of which could cause actual results
to differ materially
from those expressed in or implied in this presentation.
[05:50] Do it
for passion, not
for money [06:10] The importance of innovation and marketing [06:30] Start with a mission and finding how
to add value [06:50] Joe Gebbia's trajectory over a decade [07:10] Culture is the ultimate element
to building your brand [07:40] Namale Resort [08:00] Finding a way
to do more
for others than anyone else [08:45] The beauty of competition [09:15] Don't just advertise, become the expert [09:25] Value - added marketing [09:40] It takes 16 impressions
to inspire buying behavior [10:10] Do something where marketing isn't marketing [10:30] The 17 -
year old kid in real estate [11:35] Find a way
to stand out
from the crowd — the trash strike example [14:10] Authenticity plays a critical role [16:00] Building reciprocity with your customers [17:00] Double the value you add [17:20] Bringing innovation and marketing
to the forefront [18:35] Innovation can mean raising your price [18:55] What innovation really means [19:25]
Changing the way something is perceived [20:55] The man who was copying Tony constantly [22:00] Does
change happen in a second?
The Instagram algorithm has
changed drastically over the
years, going
from a chronological feed
to one that is curated
for you based on user interactions.
For the second
year, Walmart Canada is running the Green Student Challenge where teams of post-secondary students
from across the country have an opportunity
to convince some of Canada's most successful business leaders that they have the most compelling breakthrough idea
to change business as we know it.
However, Nissan lifted its forecast
for full -
year earnings nearly 32 percent,
to 705 billion yen, thanks
to changes to the U.S. tax system and higher earnings
from other sources including its Chinese joint venture.