While the interest rate index can
change over time for an adjustable interest rate loan, the margin can not change and stays the same throughout the loan term.
Your needs may
change over time for a variety of reasons, so remember that you may need to revisit your list in the future, just as you will add or delete some items.
After accounting for differences in these early marital conditions, having a child before marriage was significant in predicting the rates of
change over time for husbands.
Longitudinal surveys afford a unique opportunity to study
change over time for the same individuals and to explore the impact of prior circumstances on long - term outcomes.
Longitudinal surveys afford a unique opportunity to study
change over time for the same individuals, and to explore the impact of circumstances at one time on long - term outcomes.
Figure 3: Estimated ice mass
change over time for the entire Antarctic ice sheet, West Antarctica, West Antarctica without the rapidly changing Amundsen Sea Coast (ASC) region and East Antarctica.
+ Queen's Bounty pack (Includes: Court of Bedlam Costume + Pocket Salamander Pet + Treasure Maps + Psijic Order Crown Crate + Experience Scrolls)(Can be different or
change over time for each seller.
Bonus: The Evil Within 2 + The Last Chance Pack (Includes: The Burst Handgun + Crafting Supplies + Medical Case)(Can be different or
change over time for each seller.
Pre-order: Additional Character «Golden Vic Viper» + Additional Characters «8 Shiny Bomberman Brothers» (Can be different or
change over time for each seller.
Bonus: Total War Attila + DLC Viking Forefathers Culture Pack (Can be different or
change over time for each seller.
While the interest rate index can
change over time for an adjustable interest rate loan, the margin can not change and stays the same throughout the loan term.
How would
it change over time for a couple (both age 65)?
First, how did the net price of university (tuition minus grant aid)
change over time for students at different income levels?
Media outlets faithfully publish England - style «league tables» showing raw scores, value - added results, and
change over time for every school.
A new study now shows that history of TBI (with loss of consciousness) does not appear to affect the rate of cognitive
change over time for participants with normal cognition or even those with AD dementia.
Stellar dating involves measuring properties such as mass, chemical composition and temperature, and comparing them with models of how those properties should
change over time for a particular type of star.
From measuring the number of character
changes over time for each branch, they found the average rate of evolution for early placental mammals both before and after the dinosaur extinction event.
However, this preference
changes over time for various reasons.
Policymakers and the media use this enrollment information to assess the economic diversity of the student body at individual universities, whether universities are effectively recruiting low - income students, and how access to college has
changed over time for students in different income groups.
Maybe it would still be useful to see the numbers of mean / anomaly
changes over time for comparison with the present and then communicate the implications of that?
Summary: (To include comparison groups, outcomes, measures, notable limitations) This study examined
changes over time for youth who experienced the Creating Ongoing Relationships Effectively (CORE) model (now called Family Alternatives) while in the Family Alternatives foster agency and youth served by a comparison foster care agency.
Not exact matches
He wanted to take a look at how Americans» standards
for the ideal male body have
changed over time as well, so he started collecting photos that depicted that body from the 1870s to today.
Private and foreign investors could be forgiven
for having concerns
over investing in the country at a
time of economic and societal
change.
«The coins will
change over time as the demand
for whatever currency
changes,» Hoffner said.
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.
Kristi Ross, co-CEO and president, says right now it's a great
time in their industry
for the simple fact that it's a great
time for change and people are now realizing they need control
over their finances.
Ottawa could find savings of $ 730 million today if it made the above
changes and that number would grow
over time as more Canadians become eligible
for retirement programs, the report said.
The chart below shows how the prevalence of the word «fact» has
changed over time, using a tool designed to search
for it in Google's library of millions of books published from 1600 to 2008.
This then gives you a path
for growth and
change over time.
Over time, the pipeline took on symbolic value of epic proportions, elevated by environmentalist and energy advocates alike into a proxy battle
for climate
change.
WOMEN IN TECH:
Over the weekend, Ellen Pao wrote an op - ed
for The New York
Times about whether anything has
changed for women in tech.
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.
Because you are leasing services and / or space
for a period of
time, both types of offices give you the flexibility to adapt your requirements
over time, depending on
changes within the business.
Businesses with products that don't
change much
over time can more easily recover the cost of making an infomercial because they can produce just one and use it
for years.
For starters, she recommends that managers view the question in terms of «work - life fit» rather than «work - life balance» because «fit» better acknowledges that each employee's situation is unique — and likely to
change over time.
Considering the myriad ways our work lives have
changed over the past decade or so, the
timing is right (if not overdue)
for drastic adjustments in how company leaders relate to workers.
Interest rates will inevitably rise, as the Bank of Canada keeps pointing out, and the federal government has instituted numerous
changes over the past few years that will make a home purchase more difficult
for first -
time buyers.
Leave room
for change over time.
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).
Not everyone will benefit: now that Republicans have swept the US government
for the first
time since 1928, it means Obamacare is
over - just a matter of
time - and Affordable Care Act - vulnerable stocks such as Universal Health Services, AmSurg and Mednax will likely plunge; on the other hand pure pharma stocks like MCK and ABC will benefit as rhetoric on drug pricing will diminish significantly, leading to more stable earnings if / when
changes in drug pricing become more stable.
Google Trends: This helpful tool will show how the average search volume
for product keywords has
changed over time.
For example, I'd like to know how much energy, and what types of energy, are produced and consumed by various countries, for specific industries and consumers, how this is changing over time, and what inputs go into these energy sources and how those costs are changi
For example, I'd like to know how much energy, and what types of energy, are produced and consumed by various countries,
for specific industries and consumers, how this is changing over time, and what inputs go into these energy sources and how those costs are changi
for specific industries and consumers, how this is
changing over time, and what inputs go into these energy sources and how those costs are
changing.
We simply won't be able to avoid dangerous climate
change, as all our countries have pledged to do, unless we switch
over time to using clean power
for activities like driving our cars and heating our homes.
Spiegel has repeated the refrain that Snap is going to be a camera company, emphasizing that the idea of what a camera is used
for has
changed over time.
Such risks and uncertainties include, but are not limited to: our ability to achieve our financial, strategic and operational plans or initiatives; our ability to predict and manage medical costs and price effectively and develop and maintain good relationships with physicians, hospitals and other health care providers; the impact of modifications to our operations and processes; our ability to identify potential strategic acquisitions or transactions and realize the expected benefits of such transactions, including with respect to the Merger; the substantial level of government regulation
over our business and the potential effects of new laws or regulations or
changes in existing laws or regulations; the outcome of litigation, regulatory audits, investigations, actions and / or guaranty fund assessments; uncertainties surrounding participation in government - sponsored programs such as Medicare; the effectiveness and security of our information technology and other business systems; unfavorable industry, economic or political conditions, including foreign currency movements; acts of war, terrorism, natural disasters or pandemics; our ability to obtain shareholder or regulatory approvals required
for the Merger or the requirement to accept conditions that could reduce the anticipated benefits of the Merger as a condition to obtaining regulatory approvals; a longer
time than anticipated to consummate the proposed Merger; problems regarding the successful integration of the businesses of Express Scripts and Cigna; unexpected costs regarding the proposed Merger; diversion of management's attention from ongoing business operations and opportunities during the pendency of the Merger; potential litigation associated with the proposed Merger; the ability to retain key personnel; the availability of financing, including relating to the proposed Merger; effects on the businesses as a result of uncertainty surrounding the proposed Merger; as well as more specific risks and uncertainties discussed in our most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.cigna.com as well as on Express Scripts» most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.express-scripts.com.
The Fed, however, has been signaling rate increases
for quite some
time now, so it might be a bit surprising that the markets would adjust that drastically to the recent
changes in the 10 - year treasury rate, which has grown by 35 basis points
over the past year.
The considerations that go into answering this question have
changed over time as the process
for selling private company shares in the secondary market has become more restrictive.
Consider these risks before investing: The value of securities in the fund's portfolio may fall or fail to rise
over extended periods of
time for a variety of reasons, including general financial market conditions,
changing market perceptions,
changes in government intervention in the financial markets, and factors related to a specific issuer, industry, or sector and, in the case of bonds, perceptions about the risk of default and expectations about
changes in monetary policy or interest rates.
The different measures of GDP are great tools
for comparing the economies of other countries or how an economy
changes over time.
But this
time there has been a mad rush to the «transparency and accountability» altar and because of a Senate spending scandal and a $ 90,000 payoff we may be heading to the type of real
change so many, including this newspaper, have pushed
for over the years.