In
the event of an interest rate increase, these homeowners would be able to make their monthly mortgage payments.
Then came the unprecedented economic
event of an interest rate spike leading up to the 1980s where the prime rate climbed up to 20 % in the span of about 5 years peaking in 1981.
Canadians households are stretched thin already, and heavy debt burdens are putting more Canadians at risk of financial default in
the event of interest rates increases, unemployment or other economic hardships.
Then came the unprecedented economic
event of an interest rate spike leading up to the 1980s where the prime rate climbed up to 20 % in the span of about 5 years peaking in 1981.
Not exact matches
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.
WILL we survive another month without an
interest rate rise.It seems absurd that we have to worry about such an
event as the world apparently teeters on the edge
of financial disaster week in and week out.
Part V, as amended, requires that prior to an extension
of credit, the plan must receive from the fiduciary written disclosure
of (i) the
rate of interest (or other fees) that will apply and (ii) the method
of determining the balance upon which
interest will be charged in the
event that the fiduciary extends credit to avoid a failed purchase or sale
of securities, as well as prior written disclosure
of any changes to these terms.
The amount
of debt that is projected under the extended baseline would reduce national saving and income in the long term; increase the government's
interest costs, putting more pressure on the rest
of the budget; limit lawmakers» ability to respond to unforeseen
events; and increase the likelihood
of a fiscal crisis, an occurrence in which investors become unwilling to finance a government's borrowing unless they are compensated with very high
interest rates.
However, with all
of the
events occurring this year — tax reform, tariffs, earnings being released for quarter 1,
interest rates rising and inflation starting to creep (gas, groceries, etc.), is this the right time to jump in on dividend stock opportunities?
Confronted with the choice
of whether to «lean» or to «clean» — leaning against emerging financial imbalances by keeping
interest rates higher than they otherwise would be or cleaning up in the
event the risks they create are realized by providing stimulus — central bankers at that time generally agreed that cleaning would be best.
The US Postal Service delivers periodicals at a discount
rate, and the Federal Communication Commission's television station licensing requirements include a vague but meaningful «public
interest» standard that is generally held to require both the production
of local newscasts and the airing
of major national news
events.
As rent appreciates from renovation and inflation, so does the value
of the asset, so often, as long as
interest rates remain low, you can refi or take out a second loan and take out a chunk
of your equity while keeping the same LTV — this is not a taxable
event!
In addition, based on the relatively unusual combination
of overbought, overbullish conditions, inflation pressures, and the like, I once again staggered our put option strikes, which results in a lower «implied
interest rate» earned on our hedges, in return for tighter protection in the
event of an abrupt market selloff.
Commodity prices may be affected by a variety
of factors at any time, including but not limited to, (i) changes in supply and demand relationships, (ii) governmental programs and policies, (iii) national and international political and economic
events, war and terrorist
events, (iv) changes in
interest and exchange
rates, (v) trading activities in commodities and related contracts, (vi) pestilence, technological change and weather, and (vii) the price volatility
of a commodity.
It might sound clever to abandon aspects
of a diversified portfolio at times when you're worried about rising
interest rates, stock market valuations or geopolitical
events.
And
of course, any other unexpected
event will be interpreted for how it might impact the Fed's move to raise
interest rates for the first time since taking the fed funds
rate to zero in 2008.
A terrorist attack, natural disaster, act
of war, or just a cyclical
event, has no wiggle room at a 0 - 0.25 % Fed
interest rate.
After 30 years
of declining
interest rates, bond investors are beginning to worry that
rates will go higher — especially after the
events of May 2013.
Given the absence
of a public trading market
of our common stock, and in accordance with the American Institute
of Certified Public Accountants Accounting and Valuation Guide, Valuation
of Privately - Held Company Equity Securities Issued as Compensation, our board
of directors exercised reasonable judgment and considered numerous and subjective factors to determine the best estimate
of fair value
of our common stock, including independent third - party valuations
of our common stock; the prices at which we sold shares
of our convertible preferred stock to outside investors in arms - length transactions; the rights, preferences, and privileges
of our convertible preferred stock relative to those
of our common stock; our operating results, financial position, and capital resources; current business conditions and projections; the lack
of marketability
of our common stock; the hiring
of key personnel and the experience
of our management; the introduction
of new products; our stage
of development and material risks related to our business; the fact that the option grants involve illiquid securities in a private company; the likelihood
of achieving a liquidity
event, such as an initial public offering or a sale
of our company given the prevailing market conditions and the nature and history
of our business; industry trends and competitive environment; trends in consumer spending, including consumer confidence; and overall economic indicators, including gross domestic product, employment, inflation and
interest rates, and the general economic outlook.
The Canadian bond market remained stable against a number
of national and international
events, including the delivery
of the Canadian federal budget, a U.S.
interest rate hike and continuing Brexit developments.
Long - term treasuries will likely still work as ballast when it matters most (global risk - off
events), but we see short - term U.S. debt now offering compelling income, along with a healthy buffer against the risk
of further
interest rate rises.
While the positives include the unemployment
rate falling to 42 - year lows, a weaker pound sterling is leading to a spike in consumer inflation; in the
event of a negative outcome in the negotiations with the European Union, the UK currency could slide further, leading to a rise in consumer prices and leaving the Bank
of England in a very precarious situation in which easing
interest rates will be ruled out due to high inflation, and hiking
rates will lead to a slowdown in economic activity.
This
event was coincident with the onset
of the greatest gyration in the
rate of interest on a world - wide scale.
Yet, even with all increasing red flags that suggest that assets held within the global banking system could be devalued, frozen, or seized, or all
of the aforementioned, including warnings
of possible negative
interest rates applied to commercial and corporate bank accounts in the near future from big global banks like the Royal Bank
of Scotland, most
of us go about our daily lives without giving a second thought about taking preventive actions to prevent such mind - blowing and negatively impacting life - changing
events from happening.
With economic conditions in Japan improving in recent months, the Bank
of Japan had begun to prime markets for an end to its zero
interest rate policy at its 17 July meeting but, in the
event, the collapse
of a large Japanese retailer, Sogo Co, prompted the Bank to hold off its decision.
In the
event of sudden inflation, sharply higher
interest rates is a probable response, by being short dated the hit will be quite small and the higher
interest rates should feed in fairly quickly.
-- 4 reasons why «gold has entered a new bull market» — Schroders — Market complacency is key to gold bull market say Schroders — Investors are currently pricing in the most benign risk environment in history as seen in the VIX — History shows gold has the potential to perform very well in periods
of stock market weakness (see chart)-- You should buy insurance when insurers don't believe that the «risk
event» will happen — Very high Chinese gold demand, negative global
interest rates and a weak dollar should push gold higher
The Fed under Chairman Alan Greenspan lowered
interest rates following the fabled
event of default and life continued.
Danielle DiMartino Booth: I hate to inflammatory words like abolishing, but you could certainly see a sequence
of events whereby if the Bitcoin bubble ends up bleeding into other overvalued asset classes that then bleed into an economic contraction leading to recession, and then causing the central banks
of the world, starting with the Fed, to go back to the zero - bounded
interest rates.
But even after the
event no one would know whether the average results in terms
of the sums invested had exceeded, equalled or fallen short
of the prevailing
rate of interest; though, if we exclude the exploitation
of natural resources and monopolies, it is probable that the actual average results
of investments, even during periods
of progress and prosperity, have disappointed the hopes which prompted them.
The only flaw is that this analysis is done in isolation, but an
event that would lead to Chinese divestment
of U.S. Treasuries would only happen in a geopolitical environment in which the
events causing the divestment would have confounding effects including a probable stock market crash, increased militarization, etc. which might lead to a flight to safety that could mitigate this effect on
interest rates, or exacerbate the effect.
, at a news
event on July 8 on the Capitol steps with other Republican leaders and Hill interns, calls on Senate Democrats and the president to fix the federal student loan
interest rate, which nearly doubled after the July 1 expiration
of previous legislation.
At any
rate, he's less
interested in evoking
events from the hostages» point
of view than in demonstrating what was done by both captors and rescuers, in a rather detached procedural manner.
Perhaps viewers who like survival dramas (the
ratings for ABC's similarly premised «Lost» might indicate there are many people who do) will find moments
of interest, but Flight
of the Phoenix offers very little above standard plot elements and a very predictable turn
of events.
What's
interesting about the Days
of Future Past teaser screened at Comic - Con and the leaked image (see above)
of older Wolverine is that both emphasize how Logan is now aging, clearly a result
of the
events of The Wolverine where the character not only loses his adamantium claws, but part
of his ability to heal, meaning he now ages at a much faster
rate.
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.
BlackRock is urging investors to rethink their bonds in 2015, and part
of that means using flexible fixed income strategies to guard against
interest rate risk and credit
events, while also enhancing the diversification
of your fixed income portfolio.
The title
of the MarketWatch
event was «
Rate Quake: How to manage retirement investments in a rising - interest - rate environment.&ra
Rate Quake: How to manage retirement investments in a rising -
interest -
rate environment.&ra
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.
And such a crash could be triggered by a number
of events — a recession that causes widespread unemployment, rising
interest rates and even global shocks like failures in China's opaque shadow banking system.
These are bonds that have maturities
of less than one year, which makes them less susceptible to
interest rate hikes and stock market
events.
Ahead
of MoneySense «s May 7 Invest for Success
event, editor - in - chief David Thomas asked Tom Bradley, president and co-founder
of Steadyhand Investment Funds about the brave new world
of fixed - income investing in a time
of rock - bottom — or even negative —
interest rates.
By gradually shortening the duration
of your fixed - income holdings, you'll be making your bond holdings less vulnerable to losing value in the
event of a spike in
interest rates near the end
of your working life.
This method can help to accelerate the reduction
of the current loan principal amount, reducing future potential
interest costs in the
event of the
rate indices rising.
the
interest rate a bond's issuer promises to pay to the bondholder until maturity, or other redemption
event; generally expressed as an annual percentage
of the bond's face value
This year, ten percent fewer credit - card holders received bad news about their cards in the form
of card issuers lowering their credit, charging higher
interest rates, enacting late payment fees, canceling their cards or other
events that would negatively effect one's relationship with their credit card.
As a result
of events around the globe,
interest rates have been low over the last few years.
Higher prices mean higher inflation, and the Fed may be forced to raise
interest rates faster, or more frequently, than currently anticipated in the
event of higher inflation.
Fundamental analysis encompasses any news
event, social force, economic announcement, Federal policy change, company earnings and news, and perhaps the most important piece
of Fundamental data applicable to the Forex market, which is a country's
interest rates and
interest rate policy.