Sentences with phrase «combination of rate changes»

It's usually a combination of rate changes, inflation and economic conditions, though home loan rates are often linked to yields on long - term, 10 - year treasury bonds, which themselves have seen an increase of nearly one percentage point since the most recent presidential election.

Not exact matches

After years of downward forecast revisions that strained the central bank's credibility, the Fed finally settled in 2016 on expectations that maybe the economy's growth rate would not exceed 2 %, having been permanently affected by the Great Recession, slowed by changing demographics, or a combination of the two.

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).

Earnings / Macro Pulse: But if you look at a couple of key indicators we track: the «nominal surprise index» (this tracks a combination of the Citi US inflation surprise index and the economic surprise index - giving a view on how the inflation and general economic data is turning out vs expectations), and the «earnings revisions indicator» (this combines earnings revisions ratio and the rate of change in forward earnings).

I recommend a major change to the tax system: Replace the intrusive loophole - ridden income tax with the combination of a universal fixed - rate sales tax and a universal fixed - amount rebate.

As The Wave newspaper of Rockaway has been extensively examining (see here and here), those changes in the NFIP, in combination with soon - to - be adopted new FEMA flood maps, will produce dramatically higher flood insurance rates and require many homeowners to purchase flood insurance for the first time.

The higher death rate could reflect changes in the virus, poorer general health in the victims, less - effective health care, or a combination of factors.

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Topics include: - Representing Functions - Domain and Range - Piecewise Functions - Average Rate of Change of Functions - Graphing functions including increasing and decreasing and maximum and minimums - Graphical transformations of functions - Combination of functions - The Inverse of Functions - Modeling with Functions See the preview for a full list of resources included in this bundle.

The F - 150 offers specific payload and tow ratings change with each combination of bed and engine.

Higher rates of inflation and rising levels of correlations between the changes in bond yields and stock yields don't sound like a good combination, and it turns out that they're not.

In addition, mortgage loans may have interest rates that will stay fixed for the life of the loan (fixed - rate mortgages), that may change (adjustable - rate mortgages, or ARMs), or that represent a combination of fixed and variable rates (convertible mortgages).

Remember that many investments generate profits from a combination of interest, dividends, capital gains and foreign exchange rate changes.

Your account has a variable interest rate that is determined by a combination of the Prime Rate (which may vary) added to a margin (which does not chanrate that is determined by a combination of the Prime Rate (which may vary) added to a margin (which does not chanRate (which may vary) added to a margin (which does not change).

The «scariness» over home loans was the widespread realization that the rules of the game had been changed permanently, by the combination of an economic downturn plus national (or even international) financial policies designed to enforce low inflation rates - with the consequence that «being underwater» had been changed from a short term problem to a long - term one.

It says that a delta in forcing results in a combination of OHC rate of change and surface temperature delta.

Tamino has pointed out that the change in the distribution of surface temperatures may not be due to increased variability, as Hansen et al. conclude, but rather simply due to a combination of different regions warming at different rates, and when their data are combined, the result looks the same as it would if temperature variability were increasing.

Demands of clients and competition among law firms are causing changes in the pricing of legal services away from straight hourly billing to task - based billing, contingent fees, modified hourly rate with a success factor, fixed - fee or combinations of the above.

In addition, mortgage loans may have interest rates that will stay fixed for the life of the loan (fixed - rate mortgages), that may change (adjustable - rate mortgages, or ARMs), or that represent a combination of fixed and variable rates (convertible mortgages).

You can lower the interest rate, change the interest structure, alter the life of the loan or a combination of these depending on your qualifications.

You can lower your monthly mortgage payments by switching to a lower interest rate, extending the term of your mortgage or changing from an adjustable - rate mortgage to a fixed - rate mortgage (or some combination of the three).