The right to opt out: Consumers have the right to opt out of — or reject — certain significant
changes in terms on their accounts.
Starting Aug. 20, 2009, the Credit CARD Act requires credit card issuers to give consumers the right to cancel or opt out of certain
changes in terms on their accounts.
So, they basically just threw out
the change in terms on the second account like they had never even issued it.
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.
In non-wonk
terms, that means things are
changing crazy fast; companies better be able to adapt
on the fly.
we make estimates
in accounting for long -
term contracts, and
changes in these estimates may have significant impacts
on our earnings;
Based
on a comparison of the
change in subjective well - being of these people and of people from the control group who had no
change in their volunteer status, the hypothesis is supported that volunteering is rewarding
in terms of higher life satisfaction.
However, Scaramucci's communication skills are questionable, even
in the Big Think video — the financier goes
on to say how words have
changed, using now - unacceptable
terms to describe Asian - Americans and African - Americans as examples.
One of the reasons the IMF has
changed its tune
on fiscal policy is because research it has done
in the past year shows that borrowing to pay for infrastructure pays for itself over the longer
term by generating faster economic growth.
The reasons are four-fold: structural
changes in the American economy have triggered a long
term downward trend
in entrepreneurial activity;
changes in the banking system have made small business credit more difficult to get; a post-recession shift
in attitudes has made Americans less interested
in striking out
on their own; and a shift
in government policies has made entrepreneurship more challenging to undertake.
«If it's described as an attack
on the economy, it suggests that there's not a discussion about what might need to
change in terms of monetary and fiscal policy,» he said.
We will continue to train you
on a monthly basis for the life of your business
on changes in this fluid industry and new marketing techniques to ensure growth and long -
term success.
While the North American marine industry faces some headwinds
in changing consumer habits, Bolton is confident that KingFisher's emphasis
on «mass customization,» customer service and a stringent employee
on - boarding process will ensure its long -
term viability.
However, Reuters reported
on Thursday that Facebook would be
changing its legal situation so that only European users fall under the Irish
terms, so that those
in Africa, Asia, Australia and Latin America are not subject to the GDPR law.
Such risks, uncertainties and other factors include, without limitation: (1) the effect of economic conditions
in the industries and markets
in which United Technologies and Rockwell Collins operate
in the U.S. and globally and any
changes therein, including financial market conditions, fluctuations
in commodity prices, interest rates and foreign currency exchange rates, levels of end market demand
in construction and
in both the commercial and defense segments of the aerospace industry, levels of air travel, financial condition of commercial airlines, the impact of weather conditions and natural disasters and the financial condition of our customers and suppliers; (2) challenges
in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among other things integration of acquired businesses into United Technologies» existing businesses and realization of synergies and opportunities for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected to be incurred by United Technologies
in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including
in connection with the pending Rockwell Collins acquisition; (5) future availability of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the level of other investing activities and uses of cash, including
in connection with the proposed acquisition of Rockwell; (7) delays and disruption
in delivery of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits of organizational
changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and industries; (12) the outcome of legal proceedings, investigations and other contingencies; (13) pension plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of
changes in political conditions
in the U.S. and other countries
in which United Technologies and Rockwell Collins operate, including the effect of
changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU,
on general market conditions, global trade policies and currency exchange rates
in the near
term and beyond; (16) the effect of
changes in tax (including U.S. tax reform enacted
on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations
in the U.S. and other countries
in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result
in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition
on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including
in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger
on the market price of United Technologies» and / or Rockwell Collins» common stock and / or
on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted
in their operation of their businesses while the merger agreement is
in effect; (21) risks relating to the value of the United Technologies» shares to be issued
in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.
«Things are already
changing in terms of how French companies and others are operating
in Africa,» he added, noting that the exchange would put an emphasis
on good governance and transparency.
Absent these bigger - picture policy
changes for now, however, business owners like Fisher of TripShock expect the economy to motor
on, at least
in the short
term.
In plainer terms, the researchers are arguing for a preventive approach that's based on changes in internal biology rather than the behavioral and physical symptoms which plague Alzheimer's patients and are visible to the non-clinical world, including friends and family member
In plainer
terms, the researchers are arguing for a preventive approach that's based
on changes in internal biology rather than the behavioral and physical symptoms which plague Alzheimer's patients and are visible to the non-clinical world, including friends and family member
in internal biology rather than the behavioral and physical symptoms which plague Alzheimer's patients and are visible to the non-clinical world, including friends and family members.
«This stock is still making lower highs for the past few years, I am very skeptical of this move, and if it's truly marking a
change in the long -
term trend,» Wald said Tuesday
on CNBC's «Trading Nation.»
It's essentially the same thing,
in terms of, what's going
on, but just
changing the focus to listening to your body is when it becomes a way of life because you're understanding yourself better.
With one eye
on my life outside the business and the other
on my
changing role
in it, I came up with the long -
term goal of eventually being able to take off four months every year.
With 44 percent of Washington's excise tax burden passed
on to consumers, the report found that
in the short
term, there was not much of a
change.
In addition to the rules - based approach, Mester also suggested the Fed not focus so much on short - term data changes in its economic projections, and tweaking those projections to link them to where each individual member believes the funds rate should be if those conditions come to fruitio
In addition to the rules - based approach, Mester also suggested the Fed not focus so much
on short -
term data
changes in its economic projections, and tweaking those projections to link them to where each individual member believes the funds rate should be if those conditions come to fruitio
in its economic projections, and tweaking those projections to link them to where each individual member believes the funds rate should be if those conditions come to fruition.
Alongside these long
term changes, Starbucks is offering all active duty and military spouses
in the U.S. a free coffee
on Veterans Day, Nov. 11.
Several of Canada's biggest lenders have indicated they expect to record a write down to reduce the value of deferred tax assets already held
on company balance sheets as a result of tax
changes under U.S. President Donald Trump, but expect a lift to earnings
in the long
term.
The world is
on the cusp of generational
change in terms of leadership and technology, but must avoid the dangers of past such transitions, which resulted
in dramatic wars and huge misery, Sir Bob Gel
Variable interest rates range from 3.80 % -11.90 % (3.80 % -11.80 % APR) and will fluctuate over the
term of the loan with
changes in the LIBOR rate, and will vary based
on applicable
terms, level of degree earned and presence of a co-signer.
These risks and uncertainties include competition and other economic conditions including fragmentation of the media landscape and competition from other media alternatives;
changes in advertising demand, circulation levels and audience shares; the Company's ability to develop and grow its online businesses; the Company's reliance
on revenue from printing and distributing third - party publications;
changes in newsprint prices; macroeconomic trends and conditions; the Company's ability to adapt to technological
changes; the Company's ability to realize benefits or synergies from acquisitions or divestitures or to operate its businesses effectively following acquisitions or divestitures; the Company's success
in implementing expense mitigation efforts; the Company's reliance
on third - party vendors for various services; adverse results from litigation, governmental investigations or tax - related proceedings or audits; the Company's ability to attract and retain employees; the Company's ability to satisfy pension and other postretirement employee benefit obligations;
changes in accounting standards; the effect of labor strikes, lockouts and labor negotiations; regulatory and judicial rulings; the Company's indebtedness and ability to comply with debt covenants applicable to its debt facilities; the Company's ability to satisfy future capital and liquidity requirements; the Company's ability to access the credit and capital markets at the times and
in the amounts needed and
on acceptable
terms; and other events beyond the Company's control that may result
in unexpected adverse operating results.
For example, the expected timing and likelihood of completion of the proposed merger, including the timing, receipt and
terms and conditions of any required governmental and regulatory approvals of the proposed merger that could reduce anticipated benefits or cause the parties to abandon the transaction, the ability to successfully integrate the businesses, the occurrence of any event,
change or other circumstances that could give rise to the termination of the merger agreement, the possibility that Kraft shareholders may not approve the merger agreement, the risk that the parties may not be able to satisfy the conditions to the proposed transaction
in a timely manner or at all, risks related to disruption of management time from ongoing business operations due to the proposed transaction, the risk that any announcements relating to the proposed transaction could have adverse effects
on the market price of Kraft's common stock, and the risk that the proposed transaction and its announcement could have an adverse effect
on the ability of Kraft and Heinz to retain customers and retain and hire key personnel and maintain relationships with their suppliers and customers and
on their operating results and businesses generally, problems may arise
in successfully integrating the businesses of the companies, which may result
in the combined company not operating as effectively and efficiently as expected, the combined company may be unable to achieve cost - cutting synergies or it may take longer than expected to achieve those synergies, and other factors.
In addition, it noted what would be fairly boilerplate severance terms: «If the Company terminates Mr. Ryan's employment without cause on or after a change in control or he resigns for good reason due to a change in control, subject to his execution and non-revocation of a release of claims, the Company will pay him, in addition to his previously - accrued compensation, severance equal to the following: (i) in the case of a change in control of Tribune Publishing or the Company, 12 months of his base salary and one year of his annual targeted bonus amount.&raqu
In addition, it noted what would be fairly boilerplate severance
terms: «If the Company terminates Mr. Ryan's employment without cause
on or after a
change in control or he resigns for good reason due to a change in control, subject to his execution and non-revocation of a release of claims, the Company will pay him, in addition to his previously - accrued compensation, severance equal to the following: (i) in the case of a change in control of Tribune Publishing or the Company, 12 months of his base salary and one year of his annual targeted bonus amount.&raqu
in control or he resigns for good reason due to a
change in control, subject to his execution and non-revocation of a release of claims, the Company will pay him, in addition to his previously - accrued compensation, severance equal to the following: (i) in the case of a change in control of Tribune Publishing or the Company, 12 months of his base salary and one year of his annual targeted bonus amount.&raqu
in control, subject to his execution and non-revocation of a release of claims, the Company will pay him,
in addition to his previously - accrued compensation, severance equal to the following: (i) in the case of a change in control of Tribune Publishing or the Company, 12 months of his base salary and one year of his annual targeted bonus amount.&raqu
in addition to his previously - accrued compensation, severance equal to the following: (i)
in the case of a change in control of Tribune Publishing or the Company, 12 months of his base salary and one year of his annual targeted bonus amount.&raqu
in the case of a
change in control of Tribune Publishing or the Company, 12 months of his base salary and one year of his annual targeted bonus amount.&raqu
in control of Tribune Publishing or the Company, 12 months of his base salary and one year of his annual targeted bonus amount.»
Variable interest rates range from 2.90 % -8.00 % (2.90 % -8.00 % APR) and will fluctuate over the
term of the borrower's loan with
changes in the LIBOR rate, and will vary based
on applicable
terms, level of degree earned and presence of a co-signer.
A quality link building campaign must focus
on providing the kind of value that can survive the
changes in the search engines and provide long -
term benefits for years to come
For more information
on the standard SOMA securities lending program
terms, please see: August 26, 1999 - Announcement of Change in Lending Limits for SOMA Securities Lending Program, September 7, 1999 - Revised SOMA Securities Lending Program — FAQs, and September 7, 1999 - Revised SOMA Securities Lending Program Terms and Condit
terms, please see: August 26, 1999 - Announcement of
Change in Lending Limits for SOMA Securities Lending Program, September 7, 1999 - Revised SOMA Securities Lending Program — FAQs, and September 7, 1999 - Revised SOMA Securities Lending Program
Terms and Condit
Terms and Conditions.
ong -
term sustainability projections
on the impact of the demographic
changes on the federal government's finances would have provided valuable background to Parliamentarians and Canadians
in the debate
on the
changes to elderly benefits.
The poll currently
in the field (through April 29, 2011) asks respondents about credit cards — their reliance
on credit card financing, credit card debt and recent
changes in business credit card
terms.
The Warriors are not about to try different lineups, put a big
on LeBron, or
change much of anything
in terms of x's and o's.
So it's better to think about
changes in commodity prices
in terms of the
terms of trade than
on the exchange rate.
[16:00] Pain + reflection = progress [16:30] Creating a meritocracy to draw the best out of everybody [18:30] How to raise your probability of being right [18:50] Why we are conditioned to need to be right [19:30] The neuroscience factor [19:50] The habitual and environmental factor [20:20] How to get to the other side [21:20] Great collective decision - making [21:50] The 5 things you need to be successful [21:55] Create audacious goals [22:15] Why you need problems [22:25] Diagnose the problems to determine the root causes [22:50] Determine the design for what you will do about the root causes [23:00] Decide to work with people who are strong where you are weak [23:15] Push through to results [23:20] The loop of success [24:15] Ray's new instinctual approach to failure [24:40] Tony's ritual after every event [25:30] The review that
changed Ray's outlook
on leadership [27:30] Creating new policies based
on fairness and truth [28:00] What people are missing about Ray's culture [29:30] Creating meaningful work and meaningful relationships [30:15] The importance of radical honesty [30:50] Thoughtful disagreement [32:10] Why it was the relationships that
changed Ray's life [33:10] Ray's biggest weakness and how he overcame it [34:30] The jungle metaphor [36:00] The dot collector — deciding what to listen to [40:15] The wanting of meritocratic decision - making [41:40] How to see bubbles and busts [42:40] Productivity [43:00] Where we are
in the cycle [43:40] What the Fed will do [44:05] We are late
in the long -
term debt cycle [44:30] Long -
term debt is going to be squeezing us [45:00] We have 2 economies [45:30] This year is very similar to 1937 [46:10] The top tenth of the top 1 % of wealth = bottom 90 % combined [46:25] How this creates populism [47:00] The economy for the bottom 60 % isn't growing [48:20] If you look at averages, the country is
in a bind [49:10] What are the overarching principles that bind us together?
That
in itself — combined with more scrutiny from regulators over how data is collected, used, and shared, and bigger
changes that Facebook is making
in terms of how it works with third - party apps that link into the Facebook platform (which CEO Mark Zuckberg announced last week)-- will hopefully lead to more meaningful
changes on that front.
What would
change our short -
term position is a sustained rally above 25,000
in the Dow and 2735
in the S&P, with further healing
in Europe, Asia, and risk -
on currencies, and today's session could provide valuable answers for traders.
A break below $ 160,
on the other hand, would signal a bearish
change in the short -
term trend, with further strong support near $ 150 and below that at $ 140.
Second, Richmond and his team push back
on the view that this tax
change (or tax reform more broadly) will incentivize companies to delever their balance sheets
in the short
term.
Just
on the FICO score breakout, I guess the first question, has there been any
change in terms of — what you're seeing
in terms of the FICO band that you're putting
on?
The calculation is a weighted average dollar savings across loan
terms and assumes no
change in interest rates,
on - time payments, enrollment
in ACH, and no pre-payment of loans.
And without dimensionalizing that too much, it's a substantial
change in terms of the balance of items
on the menu are $ 15 or below, which we've determined to be sort of a threshold point for affordability for high - quality seafood
in casual dining.
We may
change APRs, fees, and other Account
terms in the future based
on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.
Today I'm sending you a piece
on Ecuador's recent move to
change the
terms of its contracts with oil investors to keep more of the returns
in the state.
«All of our plans
on disaster recovery are premised with the federal government coming
in with a big chunk of short -
term FEMA money and then a big chunk of long -
term bailout money,» said Edward Richards, director of the Louisiana State University Climate
Change Law and Policy Project.
Since
changes in interest rates will have the most impact
on CDs with longer maturities, shorter -
term CDs are generally less impacted by interest rate movements.
Commodity prices have
changed little
on average over recent months and remain at high levels; the RBA Index of Commodity Prices fell by 0.8 per cent
in SDR
terms over the three months to January to be 10.2 per cent higher over the year.