Wall Street falls sharply amid tech and trade - war concerns: Reuters Korea expert recommends cancelling Trump - Kim meeting: CNBC US ISM Mfg Index edged down to still - strong 59.3 for March: MarketWatch US Mfg PMI rose to 3 - year high in March: IHS Markit Construction spending in US posted a weak 0.1 % gain in February: Reuters Eurozone mfg sentiment still positive in Mar, but eased to 8 - month low: IHS Markit German retail spending fell for third month in February: Reuters Fed funds futures predicting
no change in rates at FOMC meeting in May: CME US visitor visas fall 13 % over past year: Politico
This sets off a process called stimulus - timing dependent plasticity, or STDP, which was first explored in animals and led to long - term
changes in the rate at which the nerves fire.
The astrophysicists speculate that the changes in ejection speed may be caused by
changes in the rate at which material is transferred from the companion star onto the accretion disk.
The Act lists changes in the scientific evidence on climate change, or
changes in the rate at which other countries are decarbonising, as potential justifications for altering the target.
Not exact matches
NEW YORK, May 1 - U.S. «This is the most important refunding announcement because we expect big
changes,» said Gennadiy Goldberg, interest
rates strategist
at TD Securities
in New York.
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.
Seattle will raise its minimum wage
in early 2015, and
at least one business owner is happy about the
rate change.
The one - stop strategy really hasn't
changed, it's just repeating itself
in different industries
at an accelerating
rate.
Markets do not expect a
change in interest
rates from the Federal Reserve
at the conclusion of its meeting on Wednesday, though analysts will be watching for any
change in language and indications that a June hike is likely.
Research by the Bank of Canada that Poloz unveiled
in his lecture suggests that if Canada's companies have spread out across the globe, rather than simply doing the bulk of their work
at home, then the domestic economy will be much less responsive to subtle
changes in borrowing costs and the exchange
rate.
Adjusted shareholders» equity is shareholders» equity excluding net unrealized investment gains (losses), net of tax, included
in shareholders» equity, net realized investment gains (losses), net of tax, for the period presented, the effect of a
change in tax laws and tax
rates at enactment (excluding the portion related to net unrealized investment gains (losses)-RRB-, preferred stock and discontinued operations.
Core income (loss) is consolidated net income (loss) excluding the after - tax impact of net realized investment gains (losses), discontinued operations, the effect of a
change in tax laws and tax
rates at enactment, and cumulative effect of
changes in accounting principles when applicable.
His money should,
at least, be
in a bank (money market account) savings account or tied up
in a (certificate of deposit) ladder to take advantage of any future
rate changes.
«
In some of our markets the reality is that we haven't been
changing at the same
rate as customers» eating - out expectations — or more specifically, their expectations of us
at McDonald's,» he said on the call.
For all the talk of abnormal times and
changes in underlying economic fundamentals, the Fed is pinning its hopes on a very conventional premise — that the U.S. consumer will keep spending
at recent strong
rates, encouraged by low unemployment and the apparent beginnings of higher wages.
With the RBA hinting
at sub-trend growth, there's little chance of a
change in interest
rates in the near term.
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.
Not only do credit cards have fraud protections
in place
in the event of theft, but they also offer some of the best currency exchange
rates around — much better than you'd get
changing bills
at a bank or exchange kiosk.
Cash: Cash
rates started out 2011
at intergenerational lows, and there were no
changes in administered
rates, such as the target overnight bank
rate, to give them any kind of a boost, so they remained low throughout.
CHANGE AT THE FED: Investors have generally expected a smooth transition from Janet Yellen to Jerome Powell as Fed chair, with little difference
in approach to
rate policy.
At the same time, the
rate of self - employment has barely budged so it seems clear that much of this big shift has been tax - motivated rather than reflecting
changes in actual economic activity.
At the World Economic Forum's annual meeting
in Davos, Switzerland, the focus on accelerating the pace and
rate of
change for women has driven many of the sessions and conversations.
«The history of currency pegs is that they are susceptible to
changes in economic fundamentals that warrant a completely different level
in the exchange
rate,» said Neil MacKinnon, global macro strategist
at VTB Capital.
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).
The annual PopTech conference is among the highest -
rated in the world aimed
at disruptive
change.
These risks include,
in no particular order, the following: the trends toward more high - definition, on - demand and anytime, anywhere video will not continue to develop
at its current pace or will expire; the possibility that our products will not generate sales that are commensurate with our expectations or that our cost of revenue or operating expenses may exceed our expectations; the mix of products and services sold
in various geographies and the effect it has on gross margins; delays or decreases
in capital spending
in the cable, satellite, telco, broadcast and media industries; customer concentration and consolidation; the impact of general economic conditions on our sales and operations; our ability to develop new and enhanced products
in a timely manner and market acceptance of our new or existing products; losses of one or more key customers; risks associated with our international operations; exchange
rate fluctuations of the currencies
in which we conduct business; risks associated with our CableOS ™ and VOS ™ product solutions; dependence on market acceptance of various types of broadband services, on the adoption of new broadband technologies and on broadband industry trends; inventory management; the lack of timely availability of parts or raw materials necessary to produce our products; the impact of increases
in the prices of raw materials and oil; the effect of competition, on both revenue and gross margins; difficulties associated with rapid technological
changes in our markets; risks associated with unpredictable sales cycles; our dependence on contract manufacturers and sole or limited source suppliers; and the effect on our business of natural disasters.
This lack of
change in smoking cessation under such a dramatic tax increase accentuates the difficulty
in improving quit
rates at the population level.23 It does provide a reference point to evaluate the magnitude of
change reported for the 2014 - 15 US Current Population Survey - Tobacco Use Supplement (CPS - TUS).
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.
-- > The value of investing
in relationships for the long - haul — > Investing
in your health and longevity as a way to increase your lifetime earnings — > Why longer life expectancies should
change the way you think about investing — > The shockingly low
rate of personal savings and investment
in the US — > My favorite part of the interview: whether we can reasonably expect the US markets to keep going up
at their long - term average 7 % per year after inflation, or whether that was a unique period of US expansion which won't be repeated again.
In fact,
at times, when short - term
rates have been pinned
at the zero lower bound, the Federal Reserve has taken actions that eased financial conditions without
changing short - term interest
rates.
Net interest payments of households are now more responsive to
changes in interest
rates than they were a decade or more ago (
at least
in the short term).
It is important to note that the components of the CPI do not
change in price
at the same
rates or even necessarily move the same direction.
Commodity prices may be affected by a variety of factors
at any time, including but not limited to, (i)
changes in supply and demand relationships, (ii) governmental programs and policies, (iii) national and international political and economic events, war and terrorist events, (iv)
changes in interest and exchange
rates, (v) trading activities
in commodities and related contracts, (vi) pestilence, technological
change and weather, and (vii) the price volatility of a commodity.
Almost all of the public discussion
at the time on the appropriate setting for monetary policy focused on the inflation outcomes excluding the influence of the
changes in the tax
rate (Graph 4).
The chart below looking
at forward 3 -, 6 - and 12 - month returns on the S&P 500 following an initial
change in the Federal Funds target
rate shows this pattern.
The average interest
rate on a 48 - month new - car loan dropped to 4.1 % this summer from more than 7 %
at the end of 2008, though it's
changed little
in the last two years.
Compass Bank Prime is a reference
rate that we have established for use
in computing and adjusting interest and is subject to
change (increase or decrease)
at our discretion, and is only one of the reference
rates or indices that we use.
Factors that could cause actual results to differ materially from those expressed or implied
in any forward - looking statements include, but are not limited to:
changes in consumer discretionary spending; our eCommerce platform not producing the anticipated benefits within the expected time - frame or
at all; the streamlining of the Company's vendor base and execution of the Company's new merchandising strategy not producing the anticipated benefits within the expected time - frame or
at all; the amount that we invest
in strategic transactions and the timing and success of those investments; the integration of strategic acquisitions being more difficult, time - consuming, or costly than expected; inventory turn;
changes in the competitive market and competition amongst retailers;
changes in consumer demand or shopping patterns and our ability to identify new trends and have the right trending products
in our stores and on our website;
changes in existing tax, labor and other laws and regulations, including those
changing tax
rates and imposing new taxes and surcharges; limitations on the availability of attractive retail store sites; omni - channel growth; unauthorized disclosure of sensitive or confidential customer information; risks relating to our private brand offerings and new retail concepts; disruptions with our eCommerce platform, including issues caused by high volumes of users or transactions, or our information systems; factors affecting our vendors, including supply chain and currency risks; talent needs and the loss of Edward W. Stack, our Chairman and Chief Executive Officer; developments with sports leagues, professional athletes or sports superstars; weather - related disruptions and seasonality of our business; and risks associated with being a controlled company.
«The statement carried only modest
changes in wording, but they were meaningful nonetheless, highlighting that the Fed is optimistic on the outlook and intent on continuing to raise
rates at a gradual pace,» said Westpac analyst Elliot Clarke.
In the event of an ownership
change, utilization of the Company's pre-charge NOLs would be subject to annual limitation under Section 382, which is generally determined by multiplying the value of the Company's stock
at the time of the ownership
change by the applicable long - term tax - exempt
rate (which is 3.50 % for December 2013).
Rapid
changes and advances
in online communications, and the constant need to «keep up with the Joneses» encourages best practices to evolve and social networks to improve
at an impressive
rate.
However, if the ordinary shares or ADSs are treated as traded on an «established securities market» and you are either a cash basis taxpayer or an accrual basis taxpayer that has made a special election (which must be applied consistently from year to year and can not be
changed without the consent of the IRS), you will determine the U.S. dollar value of the amount realized
in a non U.S. dollar currency by translating the amount received
at the spot
rate of exchange on the settlement date of the sale.
In the event of an ownership change, utilization of our pre-change NOLs would be subject to annual limitation under Section 382 determined by multiplying the value of our stock at the time of the ownership change by the applicable long - term tax - exempt rate, increased in the five - year period following such ownership change by «recognized built - in gains» under certain circumstance
In the event of an ownership
change, utilization of our pre-
change NOLs would be subject to annual limitation under Section 382 determined by multiplying the value of our stock
at the time of the ownership
change by the applicable long - term tax - exempt
rate, increased
in the five - year period following such ownership change by «recognized built - in gains» under certain circumstance
in the five - year period following such ownership
change by «recognized built -
in gains» under certain circumstance
in gains» under certain circumstances.
The stated
rate may
change or not be available
at the time of loan commitment or lock -
in.
There's way more options for ISPs
in Canada than the US, but
at least there I paid for 50 Mbps and got 50 Mbps 24/7 without the advertised
rate changing.
This is commonly called a teaser
rate or an introductory
rate, and the difference between what you get going
in and what it
changes to can be drastic, with your interest payments
at times being cut nearly
in half.
Other
changes in the House bill are directed
at businesses, including a further
rate reduction for certain qualified «pass - through» firms that send their earnings to their owners to be taxed as individual income.
This was supported by findings
in the Equality and Human Rights Commission report
in 2008 which said that
at the current
rate of
change, it would take more than 70 years to achieve a gender balance
in the boardrooms
in the UK's largest 100 companies.
«China has paved the way for a further weakening of its currency by announcing
changes in how it measures the value of the renminbi, raising investors» alarm
at the prospect a new currency war just as the US prepares to raise interest
rates» (FT, 12/12/15).
While such a
rate of expansion will clearly not be sustainable
in the longer run, there is little sign
at this stage that the appetite for borrowing has been restrained by the recent increases
in interest
rates, even though the higher debt burden of households might be expected to make them more responsive to interest
rate changes.