Sentences with phrase «data on borrowing»

If you're hoping to name names, data on borrowing at individual colleges paints an incomplete picture.

Some 35m titles were checked out through OverDrive in 2011, and the company now sends useful data on borrowing behaviour to participating publishers.

Not exact matches

The report presents new data from 426 regional small businesses (NY, NJ, CT and PA) on their financial well - being, credit needs and recent borrowing experiences.

All of these rates rose going into the December FOMC meeting, which makes quite a bit of sense, given that most market participants expected the FOMC to tighten policy at that meeting.35 We also gather information about rates on term unsecured borrowing in our FR 2420 collection, and about term secured transactions from the clearing banks, and these data tell a similar story.

The analysis presents additional new data from 426 regional small businesses (New York, New Jersey, Connecticut and Pennsylvania) on their financial well - being, credit needs and recent borrowing experiences.

Happily disingenuous T&C s are on borrowed time — at least for European tech users, thanks to a new European Union data protection framework that will come into force next month.

The author suggests an approach that borrows from tech's own playbook on experimentation: Collect detailed data on bias in your organization, identify company - specific ways to measure its effect, create hypotheses about how to move those metrics, and then throw some spaghetti at the wall and see what sticks.

They measure data on shorting demand and utilization (shares borrowed divided by shares available for lending) using data from Markit.

Chancellor is on training course to fulfills his borrowing targets as United kingdom data smallest funds deficit for February since 2008 & #thirteen

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

Importantly, the B&B surveys are linked to administrative NSLDS data on student loan borrowing, repayment, and default rather than relying on self - reports.

The U.S. Department of Education's National Postsecondary Student Aid Study for the 2011 - 12 academic year (the most recent survey) includes data on how much graduate students borrow broken out by race and type of school.

More data on enrollment levels, borrowing, and completion rates are needed before researchers can make definitive judgements on the success or shortfalls of the program.

Earlier this year, digital content distributor OverDrive partnered with publisher Sourcebooks in an experiment aimed at establishing concrete data on how readers respond in terms of book borrows and book sales to digital titles they check out from their libraries.

According to the same data, 36 % of e-reading Russians borrow e-books from friends, and a mere 15 % buy digital copies on «specialized web sites.»

And it's, I'm fairly certain, a very grey area right now that Amazon and Overdrive are in, because Amazon is keeping data on what our customers are borrowing and they're not really supposed to.

This is your estimate for the total number of borrows / downloads by all customers in July based solely on your own data.

The most borrowed eBooks and Audiobooks from libraries list is based on data from 34,000 libraries and schools worldwide that lend eBooks, audiobooks and other digital media via the OverDrive platform.

They could only offer data on the books borrowed on Amazon (or downloaded for free on special promotions), and then later purchased on Amazon.

«I'm fairly certain it's a fairly gray area that Amazon and OverDrive are in because Amazon is keeping data on what our customers are borrowing and they're not really supposed to,» she said.

Getting the data, scrubbing it, running the cash flows, calculating the asset price functions, implied margin on borrowing, etc., would be pretty tough for angels to do, much less mere men.

How Changes in the Characteristics of Borrowers and the Institutions they Attend Contributed to Rising Loan Defaults,» Adam Looney of the U.S. Department of the Treasury and Stanford's Constantine Yannelis examine the rise in student loan delinquency and default, drawing on newly available U.S. Department of Education administrative data on federal student borrowing linked to earnings records derived from tax records.

Mortgage - X does not grant permissions to post our material on existing mortgage websites or to borrow any of our information (including charts, graphs, tables, articles, calculators, historical data) for creation of new mortgage websites.

This is a huge market that financial institutions are leaving on the table to further financial inclusion and expand their borrowing base, and it represents a sizable opportunity for the credit bureaus to expand their data offerings to financial services clients.

In some cases, well - made devices will go much longer than that before they malfunction, but the data generally suggests you are on borrowed time with any appliance after about three years.

Community Relations Impact Report School Counselors & College Financial Fit National Association of Realtors and ASA: Student Loan Debt And Housing Report 2017 — When Debt Holds You Back Retirement Delayed: The Impact of Student Debt on the Daily Lives of Older Americans (2017) Young Workers and Student Debt Survey (2017) National Association of Realtors and SALT: Student Loan Debt and Housing Report 2016 — When Debt Holds You Back 2015 Annual Report: Thinking Outside The Lines Life Delayed: The Impact of Student Debt on the Daily Lives of Young Americans (2015) 2014 Annual Report Missing Data: Focusing on the Wrong Factors Could Contribute to Student Loan Distress Life Delayed: The Impact of Student Debt on the Daily Lives of Young Americans (2013) Student Debt Relief Plan Fact Sheet Delinquency: The Untold Story of Student Loan Borrowing You can also view a webcast held by the New America Foundation discussing this report's results.

If you follow the markets daily you've probably seen statements like this actual example from a national newspaper: «U.S. stock index futures were under pressure on Friday, weighed by bearish concern over Spain's rising borrowing costs and Chinese economic data.»

The study calls for more data looking at outstanding student loan debt by race and claims that focusing on undergraduate borrowing alone only reveals part of the picture of possible racial differences.

The average student loan balance estimates for this study are based on borrowing statistics from Peterson's data and might differ from other projections.

Though I can't find the data on the web, what I remember from the scandal at Salomon Brothers that led Buffett to take control, there was a brief loss of confidence that led the investment banks margin desk to raise the internal borrowing rate by 3 - 4 % or so.

But its preference for the Irish data protection commissioner to be its sole privacy authority could well be on borrowed time.

This is again something Google appears to have borrowed from Samsung, and it allows you to quickly turn on and off Wi - Fi or mobile data, check your battery status and turn on the flashlight.

In a 2009 CAAMP survey based on 40,000 loans totalling more than $ 10 billion to purchase houses across the country, the data showed that we borrowed far less than the maximum we could afford.