Sentences with phrase «changing rate environment»

Let's make sure we understand especially in changing rate environment whether we're in the best situation we should be in for the coming years.

Not exact matches

Digital lenders haven't yet been through a credit cycle or dealt with a changing interest rate environment.

Trump's plans to increase fiscal spending has boosted bond yields — a change that would support higher revenue for banks currently languishing in a low - interest rate environment.

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).

Changes in the interest rate environment have had a very large impact on bond returns over the long run.

If you want to attract top talent, improve employee retention rates, reduce employee absenteeism rates, lead change, offer more inspiring customer service, turn passion into action, and inspire your employees through a dynamic work environment you need to invest in your leadership development.

Forward - looking statements may include, among others, statements concerning our projected adjusted income (loss) from operations outlook for 2018, on both a consolidated and segment basis; projected total revenue growth and global medical customer growth, each over year end 2017; projected growth beyond 2018; projected medical care and operating expense ratios and medical cost trends; our projected consolidated adjusted tax rate; future financial or operating performance, including our ability to deliver personalized and innovative solutions for our customers and clients; future growth, business strategy, strategic or operational initiatives; economic, regulatory or competitive environments, particularly with respect to the pace and extent of change in these areas; financing or capital deployment plans and amounts available for future deployment; our prospects for growth in the coming years; the proposed merger (the «Merger») with Express Scripts Holding Company («Express Scripts») and other statements regarding Cigna's future beliefs, expectations, plans, intentions, financial condition or performance.

I'd like to hear your thoughts on how our investing strategies should change in an environment of rising rates.

While rates remain extraordinarily low by historical standards, in the last few months we have witnessed a modest change in the environment.

Uncertainty around the policy path of President - elect Trump, coupled with a changing interest rate landscape and rising PBGC premiums create a challenging environment for plan sponsors.

«I think we're moving back to an environment where there is going to be more volatility, more sector rotation, and higher rates will definitely change what works.»

Although the interest rate environment has remained relatively consistent for the past few years, there is reason to believe that may be changing.

The Government's business rate changes in last November's budget were appreciated, but in the current environment, SMEs would welcome more incentives to address skills shortages or further tax reductions.»

Be willing to change your strategy as global markets, tax policies and interest - rate environments shift.

Rivkin adds that assets that have had strong returns in the past might not going forward due to the changing interest rate environment.

«It's important to understand that the world is a changing environment and the rate of change is often what drives investment success or failure.»

The changes have come in response to the prolonged low - interest rate environment, and the pressure that has put on carriers» ability to support product guarantees and related features, according to a wide variety of annuity watchers...

This change in credit ratings helps our debt spread calculation to better reflect the real market environment for borrowing in a number of ways:

Yet, research has shown that decay rates can change according to the chemical environment of the material being tested.

This fact coupled with the accelerated rate of social change and the mutations of form and quantity in the information environment, give us real reason to be concerned for survival itself.

With Steam Infusion allowing more control over the steam flow rate, we change the operating characteristics of the Vaction ™ Unit from a gentle introduction of steam to a disruptive high shearing process environment.

Recent qualitative and quantitative studies have confirmed MomsTEAM's longstanding belief that, more than education about concussion signs and symptoms, it is changing the negative attitude of too many coaches towards reporting and creating a safe concussion - reporting environment that may be the best ways to improve the low rates of self - reporting found in study after study.

Safe Kids Connecticut is a multi-faceted organization that works to reduce death and injury rates of children through community education, public policy change, creating safe environments, and conducting research.

The providers may be credentialed or certified professionals, paraprofessionals, or volunteers, but typically they have received some form of training in the methods and topical content of the program so that they are able to act as a source of expertise for caregivers.3 Finally, home visiting programs are attempting to achieve some change on the part of participating families — in their understanding (beliefs about child - rearing, knowledge of child development), and / or actions (their manner of interacting with their child or structuring the environment)-- or on the part of the child (change in rate of development, health status, etc.).

We live in a changing world with technological advances being made at an exponential rate, and UAVs give us a safe and efficient way to collect and analyze data, assess threats to the environment, and quickly respond to emergencies.

Respondents then rated the companies that they had chosen on 23 driving characteristics, such as financial strength, easy adaptation to change, and a research - driven environment.

According to the Center for Health and the Global Environment at Harvard Medical School, climate change over the coming decades is likely to increase rates of allergies, asthma, heart disease and cancer, among other illnesses.

By performing experiments in the precisely controlled environment of the CLOUD chamber, the project's scientists can change the concentrations of chemicals involved in nucleation and then measure the rate at which new particles are created with extreme precision.

«The amount and diversity of pesticides, pharmaceuticals and other industrial chemicals that humans are releasing into the environment are increasing at rates that match or exceed recent increases in CO2 emissions, nutrient pollution from nitrogen fertilizers, and other drivers of global change,» Bernhardt said.

Once the larvae changed into their parasitic adult stage, their sex did not shift, and their survival rates generally did not differ between productive versus unproductive environments.

Whereas place cells in a rat brain may change their firing rates if their environment is altered even a little — for example by changing the colour of the walls — those of grid cells remain robustly unchanged.

Many factors may cause differences between current expectations and actual results including unexpected safety or efficacy data observed during preclinical or clinical studies, clinical trial site activation or enrollment rates that are lower than expected, changes in expected or existing competition, changes in the regulatory environment, failure of Syndax's collaborators to support or advance collaborations or product candidates and unexpected litigation or other disputes.

The many components of these networks evolve at different rates and in different ways, and are very much dependent on selection pressures from changing environments.

No doubt environmental changes have some effect on the rate of collapse, but do they not collapse at all when the environment is steady?

A new study finds polar bears in the wild have higher metabolic rates than previously thought, and as climate change alters their environment a...

The hormonal changes caused by dieting simply creates an environment where your metabolic rate becomes lowered — and your intake will need to be lowered as a function of this.

This is important, since the rate of change of your telomere length is very individual and can be affected, both positively and negatively, by many contributing factors — including genetics, lifestyle, stress and environment.

Year 4 Science Assessments Objectives covered: Recognise that living things can be grouped in a variety of ways Explore and use classification keys to help group, identify and name a variety of living things in their local and wider environment Recognise that environments can change and that this can sometimes pose dangers to living things Describe the simple functions of the basic parts of the digestive system in humans Identify the different types of teeth in humans and their simple functions Construct and interpret a variety of food chains, identifying producers, predators and prey Compare and group materials together, according to whether they are solids, liquids or gases Observe that some materials change state when they are heated or cooled, and measure or research the temperature at which this happens in degrees Celsius (°C) Identify the part played by evaporation and condensation in the water cycle and associate the rate of evaporation with temperature Identify how sounds are made, associating some of them with something vibrating Recognise that vibrations from sounds travel through a medium to the ear Find patterns between the pitch of a sound and features of the object that produced it Find patterns between the volume of a sound and the strength of the vibrations that produced it Recognise that sounds get fainter as the distance from the sound source increases Identify common appliances that run on electricity Construct a simple series electrical circuit, identifying and naming its basic parts, including cells, wires, bulbs, switches and buzzers Identify whether or not a lamp will light in a simple series circuit, based on whether or not the lamp is part of a complete loop with a battery Recognise that a switch opens and closes a circuit and associate this with whether or not a lamp lights in a simple series circuit Recognise some common conductors and insulators, and associate metals with being good conductors

Because the main difference between the two groups is their access to different loan policies, any differences in default rates are likely due to tighter bankruptcy standards and wage garnishment policies rather than other factors, like changes in borrower profiles or the economic environment.

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the effect of the proposed separation of NOOK Media, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

Though small caps have lower exposure to the dollar's impact on international sales, this benefit is being trumped by small cap's potential vulnerability to the changing interest rate environment.

One of the oldest tricks in the game is to offer a high current yield, where the yield can get curtailed through early prepayment (typically in low interest rate environments), or some negative event that forces the security to change its form, such as when a stock price falls with reverse convertibles.

In a lower return environment, the true tax deferral benefit of extending the average holding period of an investment from 2 years to 5 years — chopping the portfolio turnover rate from 50 % down to 20 % — is actually less than 5 basis points, which can be made up in the blink of an eye through a lower cost investment change or a mere day's worth of relative returns (not to mention weeks, months, or years)!»

This continued low - rate environment won't stop the slight uptick in mortgage rates, caused by the recent Federal Liberal mortgage rule changes.

But some things haven't changed — investors are still challenged by the seemingly never - ending search for yield in an environment of potential rising interest rates.

Typically, they don't move the prices much as the interest rate and spread environments change, and third party pricing services are loath to opine on anything too illiquid.

The market value of an investment in bonds will change according to the prevailing interest rate environment and the perceived credit worthiness of the borrower.

HELOC rates are typically variable, so they can increase and decrease as the interest rate environment changes.

Uncertainty around the policy path of President - elect Trump, coupled with a changing interest rate landscape and rising PBGC premiums create a challenging environment for plan sponsors.