Sentences with phrase «impact on consumer interest»

The recent actions taken by the U.S. government relating to the issuance of entry visas, heightened security vetting, and restrictions on electronic devices in aircraft cabins, have had a direct impact on consumer interest and demand for air travel into the U.S.

Not exact matches

And even the Federal Reserve's modest rate hikes have had an outsized impact on the bottom line of Bank of America, which pockets the extra interest it collects on loans while paying out much less on consumers» deposits (making money on the so - called spread).

Achievement of these goals was considered by the HRC as very challenging, even aggressive, given the expected modest economic growth for 2007 for the financial services industry, the impact and duration of the on - going flat / inverted yield curve (meaning short - term interest rates that are virtually equal to or exceed long - term interest rates, thus lowering profit margins for financial services companies that borrow cash at short - term rates and lend at long - term rates), potentially higher credit losses, fewer available high - quality, high - yielding loans and investment opportunities, and a consumer shift from non-interest to interest - bearing deposits.

Fed interest rates impact what banks charge each other, and based on that, banks decide what to charge businesses and consumers who borrow.

The fact that interest rates are low for six months or a year probably does not have much impact on households» expectations of their long - term interest income and thus, does not have much of an impact on consumer spending.

This year, we will be discussing the intersectional impact that increased consumer data, a renewed interest in pharmacare, and the ongoing conversation on diet are having on Canada's health system.

«Plenty of research exists today that suggests a direct benefit to increased protein intake and its impact on health, and consumers clearly have interest as evidenced by the number of new protein - enhanced snacks on the market,» said Dan Hammer, senior vice president and general manager of frozen division at Inventure Foods, Inc. «However, we found that while some snacks delivered on nutrient levels, many fell well short on taste.

Despite research showing its effects on health, consumers are most interested in its impact on weight.

Nintendo may want to consumers buy the platform, but unless they're suddenly going to have a huge horde of Switch units for the Animal Crossing fans to buy around the time the game releases, they are going to risk losing out on a huge chunk of change that will greatly impact launch sales figures, so it is in their best interest to cater to both platforms, but obviously make the Switch version better to look at and give it deluxe status.

But it needs a continuous influx of quality titles to keep consumers interested and thankfully, games like Gravity Rush could have a positive impact on Vita sales.

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.

In short, it's the rate at which financial institutions loan each other money overnight and has a direct impact on those consumers who are carrying credit card accounts with variable interest rates.

Consumer credit report is generally considered to have little impact on interest rates.

In a rising interest rate environment, consumers should consider the impact that higher rates may have on their existing loans, new debt they plan to incur and their personal savings.

Indeed, a rising interest rate environment impacts consumers differently depending on whether they are a borrower or a saver.

Our calculations are based on the proportion of consumers (36 %, according to a recent Gallup study) who carry over a balance on their cards from month to month, and therefore would incur interest charges, and the impact of the quarter - point rise in rates, which analysts expect to be passed along in full through higher APRs on credit card balances.

Other more subtle changes to the mortgage industry and how it impacts borrowers include the securitization fees and capital requirements by CMHC which lenders will likely pass on to consumers with an increase in interest rates.

It's important to understand that the federal funds rate has more of an impact on borrowing options that are closely tied to the Prime rate, meaning short - term interest rates are bumped up more than long - term rates charged on consumer lending products.

Fed interest rates impact what banks charge each other, and based on that, banks decide what to charge businesses and consumers who borrow.

FICO scores, which range from 300 to 850, have a significant impact on consumers» ability to get loans and other credit, and on the interest rate they receive.

It is hard to measure the magnitude of the impact that higher interest rates will have on the consumer and the economy, but it is clear higher interest rates will temper economic growth.

The presentation was very interesting and informative, engaging the students to reflect on the decisions they make as consumers and forcing them to consider the impact that their decisions have on animals and on society at large.

And as emotion becomes a more significant factor in that process for both the news - maker and the news - consumer or sharer, so, I would suggest, there will an interesting feed - back loop into the professional culture that may impact in its turn on how the news is produced in the future.»

What We're Looking Forward to Seeing This Year First of all, there are some interesting talks I have plugged in on my calendar revolving around energy efficiency, renewable energy, developing technology for longer - lasting batteries, developing trustworthy green labels for consumer electronics, and trends such as cloud computing and tablet devices and their roles in the marketplace (and therefore the environmental impacts of these trends).

It's the excitement in the «hunting and gathering» of interesting, beautiful, or creative things that can give us the emotional boost, and having them in a place we can visit or share on social networks is enough to satisfy consumer cravings without the financial impact and post-purchase emotional let - down.

While all land agreements are potentially affected, only a minority will have a significant enough impact on competition and consumers» interests.

Consumers can view how their credit scores impact the interest paid on a loan by using the loan savings calculator on MyFICO.com.

Is it merely the utility of consumers that is of interest, or does intellectual property have a right to be protected regardless of the impact on utility?

The interesting impact on consumers is that this brings smart home control to PC laptops, desktops and Surface.

Contributors are also concerned about likely disproportionate impact of climate change on Indigenous Australians in rural and remote regions, and on Australia's developing neighbours, and interested in the implications of a proposed policing role for the Australian Competition and Consumer Council (ACCC) on electricity prices post-repeal.

Recent reductions to the conforming loan limits by the federal government are already having an impact on mortgage liquidity according to early data from an NAR survey, which found that consumers who are now above the new lower conventional conforming loan limit are experiencing significantly higher interest rates and the need for substantially larger down payments.

If derogatory names come my way from one who uses scripts for anything «but» acting on stage, to make a buck, then the impact of same is completely lost on this so - called arrogant (in your mind) but otherwise concerned for consumers» (our comrades») interests, because consumers» interests are really our interests.

As the Manager of Communications with RECO, I would like to thank writers who commented on the positive impact of the weekly «Ask Joe» column in the Toronto Star, and for acknowledging the various challenges in making the column understandable, interesting and meaningful to consumers; that is, your current and future clients.

Berkshire Hathaway HomeServices recently released results of its latest Homeowner Sentiment Survey indicating a significant split in the way real estate consumers perceive the Federal Reserve's raising of its benchmark interest rate and the subsequent impact on mortgage rates.

Ryan discusses the death of Osama Bin Laden; Ryan reviews the economic news of the week; Ryan notices the correlation between increased home sales and interest rate drops; Louis notes we can't expect the housing market to be supported by further decreases in rates as they are already near historic lows; Ryan explains that interest rates change once every four hours; Ryan notes the difference between getting a quote and being locked in to an interest rate; Ryan advises the importance of keeping in touch with your mortgage lender; Louis notes that interest rates change a lot faster than home prices; Ryan notes that the consumer confidence was up, Ryan and Louis discuss the Fed's decision to keep interest rates where they are and to continue the $ 600 billion QE2 program; Ryan and Louis discuss the Fed's view that inflation is nascent; Louis notes that not only does the Fed not see inflation that exists but disclaims any responsibility for it; Louis asserts that there is a correlation between oil prices and Fed policy; Louis discusses Ben Bernanke's assertion that the Fed can't control oil prices but that they somehow can control the impact of higher oil prices on the rest of the economy; Louis also remarks on Bernanke's view of the dollar - the claim that a strong dollar can be achieved through the Fed's current policy as it is their belief that they are creating a sound economy and therefore a sound dollar; Louis notes the irony of the Fed chastising Congress» spendthrift ways — if the Fed did not monetize the debt, Congress could» nt spend; Louis noted that as Bernanke spoke the prices of gold and silver rose as it seemed that the Fed has no interest in cutting off the easy money; the current Fed policy will keep interest rates low; Ryan notes that the Fed knows that they can't let interest rates rise because of the housing mess; Louis notes that the Fed has a Hobson's Choice - either keep rates low or let interest rates rise and cut off the recovery.