While
the changes to terms on the loans were very small, the average size of conventional mortgages used to purchase new homes, well as the price of the new homes purchased with the loans, increased by more than one percent.
The first seller specific email newsletter was sent out last week and included some important information for sellers about recent
changes to terms on Folksy.
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.
A few things stand out about this particular rate
change: first, the magnitude of influence that just a quarter percentage - point
change had
on the stock market; second, the current rate with an upper range of.50 % compared
to the various long -
term averages of about 5 %; and third, the rate remains historically low, with only minute incremental
changes, despite the relatively good news we continue
to read about the economy.
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.
What is not yet clear is whether Trump plans
to initiate a formal withdrawal from the Paris accord, which under the
terms of the agreement could take three years, or exit the underlying U.N. climate
change treaty
on which the accord was based.
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.
As a result, businesses need
to ensure they are ready for those
changes and are prepared
to focus
on customer engagement
to drive long -
term success.
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.
«Since 2007 I have been working
on Drowning World, a long -
term global project about flooding as my way of responding
to climate
change.
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.
While the board's opinion could one day
change, Polman is right about one thing: There is ample evidence
to suggest that companies that focus
on long -
term sustainability outperform those with a shorter -
term outlook.
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 members.
A breakthrough deal
to fundamentally
change China's economic policies is viewed as highly unlikely during the two - day visit, though a package of short -
term Chinese measures could delay a U.S. decision
to impose tariffs
on around $ 50 billion worth of Chinese exports.
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.
Earlier this week rating agency Standard and Poor's
changed its U.S. long -
term debt outlook
to «stable» from «negative,» despite the concrete prospect of more showdowns
on fiscal policy.
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.
Most CEOs say it's critical
to distinguish between those employees who can't accept
change on any
terms and those who haven't been given the tools
to succeed.
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 fruition.
It is a reminder that demand stimulus
on its own can do little
to counteract longer -
term forces of demographic
change and productivity growth.
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.
He adds that even if technology is having a long -
term negative impact
on GDP growth, the
change from quarter
to quarter or even year
to year is probably negligible.
One is
to increase corporate director and investor awareness of the privileges society bestows
on corporations and the rights of society
to change the
terms of that contract.
Aimia said it is working
on a promotion
to earn more miles with existing partners and developing a strategy for how the program will
change once the long -
term partnership with Air Canada ends.
Even for companies that haven't seen an impact
on their business
to date, the fear of unknown, and potentially drastic, policy
changes makes it difficult
to make even short -
term plans.
Instead, focus
on your long -
term vision and plans
to make necessary
changes.
Because I am constantly
on the move, I have found that setting out both short and long -
term goals makes it easier
to balance
change (and multiple time zones).
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.»
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
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 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.
Interest rates offered by lenders may depend
on your credit profile, loan
term,
changes to underlying interest rate index, and other factors.
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.
That may sound like a small
change, but it could make companies less vulnerable
to damaging forms of activist investing — and make it easier for managers
to focus
on the long
term.
It also says
terms of services
changes aimed at improving transparency are
on the way — also all likely
to be related
to GDPR compliance
Any
changes, modifications, or additions
to, or deletions from these
Terms of Use shall be effective upon posting
on the website.
A breakthrough deal
to fundamentally
change China's economic policies is viewed as highly unlikely during the two days of talks, though a package of short -
term Chinese measures could delay Washington's decision
to impose tariffs
on about $ 50 billion worth of Chinese exports.
Still, even if it only has a short -
term impact
on prices it might muddy the water and make it a little hard
to interpret the impact of copper price
changes, but the price of other hard commodities, including iron ore, can help clarify the role of Chinese demand.
There were librarians and archivists focused
on copyright
term extension and digital locks; several doctors spoke
to the impact of the TPP
on public health and access
to medicines, food experts highlighted the dangers associated with food security, environmental activists focused
on the TPP and climate
change, and speakers of all ages (including a 92 year old woman) expressed concern with the investor - state dispute resolution provisions.
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.