Not exact matches
Important factors that could cause actual results
to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited
to, the following: 1) our ability
to continue
to grow our business and execute our growth strategy, including the timing, execution, and profitability of new and maturing programs; 2) our ability
to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability
to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability
to achieve certain cost reductions with respect
to the B787 program; 4) margin pressures and the potential for additional forward losses on new and maturing programs; 5) our ability
to accommodate, and the cost of accommodating, announced increases in the build
rates of certain aircraft; 6) the effect on aircraft demand and build
rates of
changing customer preferences for business aircraft, including the effect of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result of global economic uncertainty or otherwise; 8) the effect of economic conditions in the industries and markets in which we operate in the U.S. and globally and any
changes therein, including fluctuations in foreign currency exchange
rates; 9) the success and timely execution of key milestones such as the receipt of necessary regulatory approvals, including our ability
to obtain in a timely fashion any required regulatory or other third party approvals for the consummation of our announced acquisition of Asco, and customer adherence
to their announced schedules; 10) our ability
to successfully negotiate, or re-negotiate,
future pricing under our supply agreements with Boeing and our other customers; 11) our ability
to enter into profitable supply arrangements with additional customers; 12) the ability of all parties
to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts of terrorism; 14) any adverse impact on the demand for air travel or our operations from the outbreak of diseases or epidemic or pandemic outbreaks; 15) our ability
to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension plan assets and the impact of
future discount
rate changes on pension obligations; 17) our ability
to borrow additional funds or refinance debt, including our ability
to obtain the debt
to finance the purchase price for our announced acquisition of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect of
changes in tax law, such as the effect of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and
changes to the interpretations of or guidance related thereto, and the Company's ability
to accurately calculate and estimate the effect of such
changes; 21) any reduction in our credit
ratings; 22) our dependence on our suppliers, as well as the cost and availability of raw materials and purchased components; 23) our ability
to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate for our additional capital needs or for payment of
interest on, and principal of, our indebtedness; 26) our exposure under our revolving credit facility
to higher
interest payments should
interest rates increase substantially; 27) the effectiveness of any
interest rate hedging programs; 28) the effectiveness of our internal control over financial reporting; 29) the outcome or impact of ongoing or
future litigation, claims, and regulatory actions; 30) exposure
to potential product liability and warranty claims; 31) our ability
to effectively assess, manage and integrate acquisitions that we pursue, including our ability
to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability
to consummate our announced acquisition of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse
changes to business relationships and other business disruptions for ourselves and Asco as a result of the acquisition; 33) our ability
to continue selling certain receivables through our supplier financing program; 34) the risks of doing business internationally, including fluctuations in foreign current exchange
rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability
to complete the proposed accelerated stock repurchase plan, among other things.
The 30 - day Fed Fund
futures can be used as a guide
to predict when the Fed might increase
interest rates since the prices are an expression of trader's views on the likelihood of
changes in U.S. monetary policy.
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.
The US Dollar is holding on
to and even edging out some gains ahead of the Fed meeting tonight where no
change in
interest rates is expected, but the central bank's statement will be scoured for clues on
future rate hikes.
Unfortunately, since it is difficult
to accurately forecast
future interest rates and all the other factors that are
changing simultaneously in financial markets, this algorithm by itself will not make you instantly rich.
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.
This is because Alan Greenspan and other members frequently signal their intentions
to change interest rates, and the prices of the Fed funds
futures are sensitive
to his outlook.
The GIC doesn't expect this performance
to change in the foreseeable
future, so long as
interest rates stay relatively low and inflation remains in check.
According
to the Department of Finance, the deficit in August 2015 was primarily due
to updated accrual estimates of employee pension and other employee
future benefits, reflecting
changes to the
interest rate assumptions.
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.
(A) The term and principal amount of the loan; (B) An explanation of the type of mortgage loan being offered; (C) The
rate of
interest that will apply
to the loan and, if the
rate is subject
to change, or is a variable
rate, or is subject
to final determination at a
future date based on some objective standard, a specific statement of those facts; (D) The points and all fees, if any,
to be paid by the borrower or the seller, or both; and (E) The term during which the financing agreement remains in effect.
Advanced Option ARM Calculator with Minimum Payment
Change Cap Allows you
to create a complete option ARM loan amortization table (with standard and neg - am recasts, automatically estimated possible
future index
changes, various fixed payment periods,
interest rate rounding
to the nearest 1/8 of one percentage, and more).
The
future of the Stafford loan program is uncertain (as is just about any federal aid program for higher education) but it does appear that Congress is looking at a proposal
to change the Stafford Loan
interest rates from a fixed
rate to a variable
rate and making 6.8 % the maximum percentage
rate that will be allowed
to be imposed on borrowers.
You need
to be cognizant that a bank or credit union can
change the
interest rate that they pay on a savings account at any time, and some new banks offer a teaser
rate, which moves lower at some point in the
future.
The dollar may weaken due
to changes in the
interest rate and outlook on the U.S. economy's
future.
It will be
interesting to watch the
future rate changes.
The tax treatment or
rate of
interest payable depends on the individual circumstances of each customer and may be subject
to change in the
future.
First, since the present value of
future cash flows depends on
interest rates, the cost of the liability is sensitive
to interest rate changes.
If it has the letter «V» next
to it, then it means that your
interest rate is subject
to change in the
future.
An approach
to analysis of
futures markets which examines patterns of price
change,
rates of
change, and
changes in volume of trading, open
interest and other statistical indicators.
Our stockholders» equity will continue
to fluctuate with any
future changes in
interest rates.
The Policy Portfolio and the Next Equity Bear Market Fed Leaves Punchbowl, Takes Away Free Lunch (of International Diversification) Five Global Risks
to Monitor in 2012 Rising Global
Interest Rates Create Headwinds Three Profit Metrics
to Avoid Earnings Season Myopia
Changes in the Inflation
Rate Matter as Much
to Investors as the Level An Uneven Global Recovery — Lingering Effects of the Credit Crisis Perspectives on «Non-Traditional» Monetary Policy Do Past 10 - Year Returns Forecast
Future 10 - Year Returns?
Futures traders are traditionally placed in one of two groups: hedgers, who have an
interest in the underlying asset (which could include an intangible such as an index or
interest rate) and are seeking
to hedge out the risk of price
changes; and speculators, who seek
to make a profit by predicting market moves and opening a derivative contract related
to the asset «on paper», while they have no practical use for or intent
to actually take or make delivery of the underlying asset.
Obviously this will double up your losses, too, and
interest rates are going
to change in the
future.
SoFi's lifetime savings methodology for student loan refinancing assumes; 1) members»
interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE); 2) members make all payments on time; 3) members make monthly payments for the full duration of their loan; and 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.
rates do not
change over time (PROJECTIONS FOR VARIABLE
RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE); 2) members make all payments on time; 3) members make monthly payments for the full duration of their loan; and 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.
RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF
RATES IN THE FUTURE); 2) members make all payments on time; 3) members make monthly payments for the full duration of their loan; and 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.
RATES IN THE
FUTURE); 2) members make all payments on time; 3) members make monthly payments for the full duration of their loan; and 4) members take advantage of AutoPay, which enables them
to lower the APR of their loan by 0.25 %.
Changes in the variable
interest rate or the terms of
future agreements could be adjusted
to make up the difference.
So, even allowing for the difficulties of predicting
future interest rate changes, history suggests that low bond yields today are likely
to provide low returns in the
future.
SoFi's lifetime savings methodology for student loan refinancing assumes 1) members»
interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.
rates do not
change over time (PROJECTIONS FOR VARIABLE
RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.
RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF
RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.
RATES IN THE
FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them
to lower the APR of their loan by 0.25 %.
As with many financial issues, there isn't an easy answer whether you should do this or not, and it depends heavily on your personal situation and how much risk you're willing
to expose yourself
to with respect
to future inflation and
interest rate changes.
This is because Alan Greenspan and other members frequently signal their intentions
to change interest rates, and the prices of the Fed funds
futures are sensitive
to his outlook.
Price risk is the risk that the fair value or
future cash flows of a financial instrument will fluctuate due
to a
change in market prices (other than those arising from
interest rate risk or currency risk), whether those
changes are caused by factors specific
to the individual financial instrument or its issuer, or factors affecting similar financial instruments traded in the market.
- the game's shading mechanism has
changed, which allows for increased gear texture quality - all graphical aspects and programming mechanisms have been built up from scratch for this sequel - maximum resolution is 1080p in TV mode - a bigger focus for Nintendo was the 60 frames per second - occasionally the resolution will be scaled down when there is too much ink displaying on the screen - Nintendo reduced the CPU load and refined the way
to use CPU power effectively
to maintain 60 fps in all matches - weapons were tweaked
to let players be more creative by thinking about unique weapon characteristics and their best uses - weapons are designed
to be effective when they are used during the right occasion - Special weapons are stronger than the original ones when used in the right situation, but weaker otherwise - the damage and effect of slowing down your movement when you step in the opponent's ink are reduced from original - you can jump up in rank if you're good enough, but only up until S - you can't jump up from C, B or A
to S + - when you win battles in Ranked mode, the Ranked meter fills and your rank goes up when its fully filled - when you lose a battle, the gauge does not decrease, but the meter starts
to crack - once the meter reaches its limit, it breaks - when the meter breaks, you have
to start over again from the beginning or from a lower rank - highest rank is still S +, but if you fill up the Ranked meter, you get numbers after the alphabet such as «S +1», «S +2» and so on - maximum number is «S +50», but this number will not be displayed
to your opponent - you are the only one
to see it, and you can check it on your own status screen - Ranked Power is calculated by an algorithm
to measure how strong each player is with minuteness - this will determine if a player's rank is worthy of receiving a big jump (like from «C»
to «A»)- Ranked Power has no relation
to your splat
rate, and is more tied into
to how well you lead your team
to victory - you won't drop off more than one rank even if you play poorly - stage rotation time was
changed to two hours - this was done because the devs expected people
to play for an hour or so, but they found people play much longer - with Salmon Run, Nintendo considered how
to implement a co-op oriented mode in a player - versus - player type of game - the devs will monitor how users are playing this mode
to see if there's some tweaks they can throw in - more Salmon Run maps will be added in the
future, but Nintendo wouldn't comment on adding more enemy types
to the mode - rewards are
changed each time Salmon Run is played - you can obtain rewards when playing locally, but not gear - originally Nintendo had an idea for this mode, but had no background setting, enemy designs, etc. - Inoue suggested that it should be salmon - themed - when Nintendo hosted the Splatfest that pit Callie against Marie, the development of Splatoon 2 had started - the devs had already decided
to have the result reflected in the sequel - they even had an idea
to announce the Splatfest with a phrase «Your choice will
change the next Splatoon» - the timing
to announce a sequel wasn't right, so they decided against this - they eventually released a series of short stories about the Squid Sisters
to show how the Splatfest affected the sequel's story - Nintendo wouldn't say if Marina is an Octoling, and noted that Inklings are not paying attention
to this too much - Inklings don't care about appearances, as long as everyone is doing something fresh - the Squid Sisters had composers who produced their songs, but Off the Hook are composing their music by themselves - Pearl is genius artist, but she couldn't find a right partner because she's a bit too edgy - she eventually found Marina as a partner though, and their chemistry is sparkling right now - Nintendo is planning a year of content updates for Splatoon 2 - when finished, the quantity of stages will be more than the original - some of the additional stages are totally new and some will be arranged stages from the first game - not all original stages will return and they are choosing stages based on the potential for them
to be improved - Brella is shotgun-esque weapon, so the ink hits your opponent more if you are closer - it can shield damage when you open it, but the amount of damage has a limit and once it reaches it, it breaks - you can shoot ink, but you can't use the shield feature when it breaks - the shield won't prevent your allies ink - there are more new weapon categories which haven't been revealed yet - there are no other ranked modes outside of the three current options - the
future holds any sort of possibility, but the devs didn't get specific about adding more content like that - for the modes, they adjusted the rule designs so that players will experience the more
interesting aspects
The findings are «
interesting», but could hold «limited relevance»
to understanding
future climate
change, which is occuring at a much faster
rate than the warming observed from the LGM
to the Holocene, says Prof Amanda Maycock, a research fellow from the University of Leeds who was not involved in the new study.
The economic uniqueness of the climate -
change problem is not just that today's decisions have difficult -
to - reverse impacts that will be felt very far out into the
future, thereby straining the concept of time discounting and placing a heavy burden on the choice of an
interest rate.
Topics that I work on or plan
to work in the
future include studies of: + missing aerosol species and sources, such as the primary oceanic aerosols and their importance on the remote marine atmosphere, the in - cloud and aerosol water aqueous formation of organic aerosols that can lead
to brown carbon formation, the primary terrestrial biological particles, and the organic nitrogen + missing aerosol parameterizations, such as the effect of aerosol mixing on cloud condensation nuclei and aerosol absorption, the semi-volatility of primary organic aerosols, the importance of in - canopy processes on natural terrestrial aerosol and aerosol precursor sources, and the mineral dust iron solubility and bioavailability + the
change of aerosol burden and its spatiotemporal distribution, especially with regard
to its role and importance on gas - phase chemistry via photolysis
rates changes and heterogeneous reactions in the atmosphere, as well as their effect on key gas - phase species like ozone + the physical and optical properties of aerosols, which affect aerosol transport, lifetime, and light scattering and absorption, with the latter being very sensitive
to the vertical distribution of absorbing aerosols + aerosol - cloud interactions, which include cloud activation, the aerosol indirect effect and the impact of clouds on aerosol removal +
changes on climate and feedbacks related with all these topics In order
to understand the climate system as a whole, improve the aerosol representation in the GISS ModelE2 and contribute
to future IPCC climate
change assessments and CMIP activities, I am also
interested in understanding the importance of natural and anthropogenic aerosol
changes in the atmosphere on the terrestrial biosphere, the ocean and climate.
We started with the assumption that, with
interest rates near historic lows,
future rate changes are more likely
to be up than down.
From
changing financial regulations and
interest rates to an economic
future that still has a lot of question marks about its direction, home buyers and home sellers are not sure how
to proceed.
We have enjoyed historically low
interest rates over the past couple of years and our tendency is
to get comfortable and think that these
rates will not
change in the foreseeable
future.
In addition, the second mortgage is likely
to be at a higher
interest rate as compared
to the first mortgage and also could either be amortized over 15 - years requiring a higher payment, or an adjustable
rate mortgage whose
rate may
change in the
future.
However, estimates of fund value swing around from one year
to the next based on forecasts of property values and
interest rates, the volume of
future business, and
changes in program rules.
You'll also learn how your
interest rate and payments could
change in the
future, and whether you'll incur penalties for paying off the loan early (called «prepayment penalty») or increases
to the mortgage loan balance even if payments are made on time (known as «negative amortization»).