Sentences with phrase «credit changes from year to year»

Not exact matches

It has been more than five years since credit ratings firm Standard & Poor's downgraded the U.S. economy from the prized AAA score to AA — and that is unlikely to change in 2017, Standard and Poor's chief sovereign rating officer told CNBC Wednesday.

Vanguard credits engagement with more than 100 «direct commitments to change» from companies this year.

Among the factors that could cause actual results to differ materially are the following: (1) worldwide economic, political, and capital markets conditions and other factors beyond the Company's control, including natural and other disasters or climate change affecting the operations of the Company or its customers and suppliers; (2) the Company's credit ratings and its cost of capital; (3) competitive conditions and customer preferences; (4) foreign currency exchange rates and fluctuations in those rates; (5) the timing and market acceptance of new product offerings; (6) the availability and cost of purchased components, compounds, raw materials and energy (including oil and natural gas and their derivatives) due to shortages, increased demand or supply interruptions (including those caused by natural and other disasters and other events); (7) the impact of acquisitions, strategic alliances, divestitures, and other unusual events resulting from portfolio management actions and other evolving business strategies, and possible organizational restructuring; (8) generating fewer productivity improvements than estimated; (9) unanticipated problems or delays with the phased implementation of a global enterprise resource planning (ERP) system, or security breaches and other disruptions to the Company's information technology infrastructure; (10) financial market risks that may affect the Company's funding obligations under defined benefit pension and postretirement plans; and (11) legal proceedings, including significant developments that could occur in the legal and regulatory proceedings described in the Company's Annual Report on Form 10 - K for the year ended Dec. 31, 2017, and any subsequent quarterly reports on Form 10 - Q (the «Reports»).

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.

Expected change in credit availability a year from now or compared to a year ago remained mostly unchanged.

We caution you that these statements are not guarantees of future performance and are subject to numerous risks and uncertainties, including volatility in the economy and the credit markets, supply and demand changes for vacation ownership and residential products, competitive conditions; the availability of capital to finance growth, and other matters referred to under the heading «Risk Factors» contained in our Annual Report on 10 - K for the year ended December 30, 2011 filed with the U.S. Securities and Exchange Commission (the «SEC») and in subsequent SEC filings, any of which could cause actual results to differ materially from those expressed in or implied in this presentation.

We caution you that these statements are not guarantees of future performance and are subject to numerous risks and uncertainties, including volatility in the economy and the credit markets, supply and demand changes for vacation ownership and residential products, competitive conditions; the availability of capital to finance growth, and other matters referred to under the heading «Risk Factors» contained in the Information Statement filed as an exhibit to our Annual Report on Form 10 - K for the year ended December 30, 2011 filed with the U.S. Securities and Exchange Commission (the «SEC») and in subsequent SEC filings, any of which could cause actual results to differ materially from those expressed in or implied in this presentation.

This difference is due to changes of the timing of some dividend payments; for whatever reason, this year my semester dividend income from Telefonica was credited in December while in 2016 I received the payout in November.

The 28 - year - old mother from Englewood breast - fed the 6 - pound baby, a change she credits to guidance and programs offered by Stroger Hospital of Cook County.

Among them was changing the earned - income tax credit, which provides tax credits to low - income workers, by raising the ceiling by which workers can qualify for the credit from $ 12,000 a year to $ 18,000.

During the eight years (2007 to 2014) that the Education Next (EdNext) poll has been administered to a representative sample of American adults (and, in most of these years, to a representative sample of public school teachers), we have seen only minimal changes from one year to the next on such important issues as charter schools, merit pay, teacher tenure, teachers unions, and tax credits that fund private - school scholarships.

Even though money from the first year of funding is just now moving toward being awarded to states, Obama administration officials credit it with prompting education policy changes in many parts of the country.

Looking back over the past 60 years, changes of one standard deviation or more, roughly 60 bps, in credit spreads raise the odds of a 5 % or bigger correction from 8.5 % to more than 16 %.

Let suppose Zeeshan situation hasnt changed, still not getting sufficient income from his parent, that wouldnt stop a creditor filing a summonsand most likely will win a lawsuit to place a judgement, which will remain on the credit report for more than 7 years as well?

I was finally able to shrug away my ire at Chase's change in terms — figuring that an extra $ 120 a year was more practical than other options — until I was cleaning out my credit folder just now and found ANOTHER balance transfer offer from Chase that expired only 11/30/08!

I do not own a home, the only change was that I had a baby last year so my dependents increased from 2 to 3... I have no education credits etc... What is the issue???

Several commenters expressed support for the proposal to change the period in which we consider debts in collection or charged off as reflecting an adverse credit history from the current five years to two years.

Once a year, you're entitled to a free report from each, or you can sign up for services that allow you to regularly check your credit scores and also notify you of any changes.

The Hyatt Credit Card gives out a free Category 4 award night each year, and it's become more difficult to use each time category changes are announced and some favorite properties move from Category 4 to 5.

From next year Hilton is moving from having two credit card providers (Citi & Amex) to just the one provider (Amex) and that has sparked some changes in the Hilton credit cards you can apply for and that you may already hFrom next year Hilton is moving from having two credit card providers (Citi & Amex) to just the one provider (Amex) and that has sparked some changes in the Hilton credit cards you can apply for and that you may already hfrom having two credit card providers (Citi & Amex) to just the one provider (Amex) and that has sparked some changes in the Hilton credit cards you can apply for and that you may already have.

Obviously it's still a bummer that we missed out on the 100,000 point sign - up bonus AND that Chase just changed their definition of travel credit from calendar year to anniversary year, but I'll still take the 50,000 Ultimate Rewards points.

The new year has brought changes in the credit card world, and one of the most talked about has been the transition of the Hilton portfolio of credit cards from Citibank to American Express.

One of my favorite credit card bonuses is ending today for good as the Hyatt Credit Card will change their sign - up bonus any minute now from two award nights to use at any Hyatt within one year of earning the awards, to 40,000 Hyatt points to use as you choose after hitting the spending requirecredit card bonuses is ending today for good as the Hyatt Credit Card will change their sign - up bonus any minute now from two award nights to use at any Hyatt within one year of earning the awards, to 40,000 Hyatt points to use as you choose after hitting the spending requireCredit Card will change their sign - up bonus any minute now from two award nights to use at any Hyatt within one year of earning the awards, to 40,000 Hyatt points to use as you choose after hitting the spending requirements.

my Ink Bold was converted to Ink Plus by Chase about a year ago... they just changed from a charge card to a credit card and established a $ 12k credit line.

American Express and other credit card retention offers change, so I figured it's time to update my post from last year, Current Citi AAdvantage and AMEX Retention Bonus Offers, especially as I just had personal experience last night getting a retention bonus offer for my husband's AMEX Premier Rewards Gold card.

Starwood points can be hard to come by other than with their credit card, but many people are looking to use their points since Marriott is buying Starwood (I don't expect big changes to Starwood Preferred Guest over the next year, but it could be a really good idea to get the Starwood Preferred Guest ® Credit Card from American Express before the merger clcredit card, but many people are looking to use their points since Marriott is buying Starwood (I don't expect big changes to Starwood Preferred Guest over the next year, but it could be a really good idea to get the Starwood Preferred Guest ® Credit Card from American Express before the merger clCredit Card from American Express before the merger closes).

I got a secured Credit card to the value of $ 300 from my back (WF) when i arrived (this has just changed to an unsecured card in the past month) and leased a car for 2 years to the value of $ 14,000.

Credited for painting the first abstract work, Kandinsky changed his style over the years, from beginnings in figural painting to pure abstraction.

«For the purposes of decreasing the likelihood of catastrophic climate change, preserving tropical forests, building capacity to generate offset credits, and facilitating international action on global warming, the Administrator shall set aside the percentage specified in section 781 of the quantity of emission allowances established under section 721 (a) for each year, to be used to achieve a reduction of greenhouse gas emissions from deforestation in developing countries in accordance with part E.

Based on teaching a science credit for science students for 25 years, giving hundreds of public presentation and involving myself in education at all levels from K - 12, to graduate, and post-graduate, plus the transition to the workplace, I believe a fundamental mandatory change in thinking and curricula are required.

That comes on the heels of a similar announcement last month by Rep. Darryl Issa (R - CA), who complained that the new wind tax credit extension is a «dramatic» change from previous versions... The investigation threatens to throw yet another monkey wrench in the path of the wind industry, which is just coming off a banner year for wind production in 2012.»

However, because tax laws and eligibility can change from year to year, be sure to check the IRS's Credit and Deductions guide and consult with your tax advisor for the list of available tax credits and qualification guidelines.

While debt levels have dropped more than 10 % since 2009, average credit lines have not changed much in the last six years, moving from $ 21,942 in Q3 2009 to $ 21,613 in Q3 2015.

Learning about the key tax changes from year to year is another important step, and it's especially good to know about tax credits, which are the most potent items for legitimately reducing your final tax bill.