This doesn't necessarily mean that those buyers negatively
impacted by a rate increase would not purchase a home.
You'll most likely be
impacted by a rate increase sooner or later.
While personal loans are also
impacted by rate hikes, they do not carry the same long - term implications as bigger loans.
You'll most likely be
impacted by a rate increase sooner or later.
Not exact matches
«People who live at least another few decades will likely be affected
by diminished funding of Social Security, and also the economic
impacts that
impact the broader economy, including rising interest
rates and inflation,» Hamrick said.
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.
Case in point: In mid-September, three weeks before Morneau tabled his rules, credit reporting agency TransUnion estimated that hundreds of thousands of Canadians carrying variable
rate subprime mortgages could be significantly
impacted by interest
rate increases of even 25 basis points.
We measure the
impact social media has on e-commerce
by looking at metrics such as conversion
rates, average order value, and revenue generated
by shares, likes, and tweets.
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.
Adjusted EPS for 1Q18 was affected
by the same factors
impacting Adjusted pretax income, as well as a lower number of shares and lower tax
rate used to compute EPS as discussed above.
Earlier in the month, the Federal Reserve raised the funds
rate by 25 basis points, its fifth increase since December 2015, which
impacts some of the terms
by which you borrow money and access credit.
In addition to the factors
impacting the year - over-year changes in quarterly GAAP pretax income, GAAP EPS for 1Q18 was further affected
by a lower number of shares primarily reflecting share repurchases in 2017 and the
impact of a lower tax
rate in 1Q18 resulting from the Tax Reform Law.
Recently, 56 % of 107 economists polled
by Zillow said this «mortgage
rate lock - in» is already or will have a meaningful
impact on the housing market.
If you're talking about a new project with no significant investment already deployed, building a new mine if you expect today's prices to hold in the long term is a tough call — a 50 - year oil sands project is a lot of risk for less than a 10 %
rate of return — but even there, you can see the
impact of the lower Canadian dollar and the hedge provided
by a royalty regime which lowers
rates when prices are low.
The ECRI is looking at year - over-year growth
rates (not
impacted by seasonal - adjustment formulas) and seeing a much weaker picture of the U.S. economy.
«This would offset the
impact of a decline in the long - run neutral real
rate of interest
by giving the (Fed) more «policy space» to respond to adverse shocks,» Kocherlakota said.
«The ability to plan for business decisions has been
impacted already
by the uncertainty, especially over what the tax
rates will be in 2013.»
Federal student loan
rates are fixed, so most borrowers won't be
impacted immediately
by a
rate hike.
The current corporate AMT is 20 percent, but most corporations face a 35 percent tax
rate and can see lower
rates by claiming tax breaks that aren't
impacted by the AMT, according to The Wall Street Journal.
As evidence of the economic
impact RFRA laws can have on local economies,
ratings and reviews site Angie's List, founded
by Bill Osterle and Angie Hicks in 1995, announced over the weekend that it was halting a $ 40 million expansion of its Indianapolis headquarters, expected to bring with it an additional 1,300 jobs, while it examines the implications of the law.
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»).
At LendUp, Eaddy has similarly put together a social
impact team, which analyzes how well the company is serving its poorest clients, including how much it's able to save them
by underwriting loans at cheaper - than - usual
rates.
If the graduation
rate at that high school is 50 percent,
by increasing that
rate to 60 percent, you will have made a tangible
impact.
Yum Brands, in reporting third - quarter earnings, stated «foreign currency translation remains a strong headwind» and that it expected the exchange
rate «to
impact full - year earnings per share
by about 5 percentage points.»
These risks and uncertainties include: Gilead's ability to achieve its anticipated full year 2018 financial results; Gilead's ability to sustain growth in revenues for its antiviral and other programs; the risk that private and public payers may be reluctant to provide, or continue to provide, coverage or reimbursement for new products, including Vosevi, Yescarta, Epclusa, Harvoni, Genvoya, Odefsey, Descovy, Biktarvy and Vemlidy ®; austerity measures in European countries that may increase the amount of discount required on Gilead's products; an increase in discounts, chargebacks and rebates due to ongoing contracts and future negotiations with commercial and government payers; a larger than anticipated shift in payer mix to more highly discounted payer segments and geographic regions and decreases in treatment duration; availability of funding for state AIDS Drug Assistance Programs (ADAPs); continued fluctuations in ADAP purchases driven
by federal and state grant cycles which may not mirror patient demand and may cause fluctuations in Gilead's earnings; market share and price erosion caused
by the introduction of generic versions of Viread and Truvada, an uncertain global macroeconomic environment; and potential amendments to the Affordable Care Act or other government action that could have the effect of lowering prices or reducing the number of insured patients; the possibility of unfavorable results from clinical trials involving investigational compounds; Gilead's ability to initiate clinical trials in its currently anticipated timeframes; the levels of inventory held
by wholesalers and retailers which may cause fluctuations in Gilead's earnings; Kite's ability to develop and commercialize cell therapies utilizing the zinc finger nuclease technology platform and realize the benefits of the Sangamo partnership; Gilead's ability to submit new drug applications for new product candidates in the timelines currently anticipated; Gilead's ability to receive regulatory approvals in a timely manner or at all, for new and current products, including Biktarvy; Gilead's ability to successfully commercialize its products, including Biktarvy; the risk that physicians and patients may not see advantages of these products over other therapies and may therefore be reluctant to prescribe the products; Gilead's ability to successfully develop its hematology / oncology and inflammation / respiratory programs; safety and efficacy data from clinical studies may not warrant further development of Gilead's product candidates, including GS - 9620 and Yescarta in combination with Pfizer's utomilumab; Gilead's ability to pay dividends or complete its share repurchase program due to changes in its stock price, corporate or other market conditions; fluctuations in the foreign exchange
rate of the U.S. dollar that may cause an unfavorable foreign currency exchange
impact on Gilead's future revenues and pre-tax earnings; and other risks identified from time to time in Gilead's reports filed with the U.S. Securities and Exchange Commission (the SEC).
A recent study published
by researchers from the University of Iowa, University of Illinois - Chicago, and Arizona State finds that opportunity for advancement is one of the most influential factors
impacting both employee morale and turnover
rates.
Among respondents, 79 percent of franchisees and 73 percent of franchisors believe failure
by Congress to extend current tax
rates at all levels will have a negative
impact on hiring and growth plans moving forward.
If you're talking about a new project with no significant investment already deployed, building a new mine if you expect today's prices to hold in the long term is a tough call — a 50 year oil sands project is a lot of risk for less than a 10 per cent
rate of return — but even there, you can see the
impact of the lower Canadian dollar and the hedge provided
by a royalty regime which lowers
rates when prices are low.
Actual results could differ materially from those expressed in or implied
by the forward - looking statements contained in this release because of a variety of factors, including conditions to, or changes in the timing of, proposed real estate and other transactions, prevailing interest
rates and non-recurring charges, store closings, competitive pressures from specialty stores, general merchandise stores, off - price and discount stores, manufacturers» outlets, the Internet, mail - order catalogs and television shopping and general consumer spending levels, including the
impact of the availability and level of consumer debt, the effect of weather and other factors identified in documents filed
by the company with the Securities and Exchange Commission.
2 The percentage change has been calculated using actual exchange
rates in use during the comparative prior year period to enhance the visibility of the underlying business trends
by excluding the
impact of translation arising from foreign currency exchange
rate fluctuations, which is considered a non-GAAP financial measure.
The
impact of mortgage interest
rates can be further assessed
by Figure 3, which measures the evolution of the mortgage to cash cost ratio of purchasing a residential property in terms of labour time.
In its trading business, income from its markets business decreased 4 percent to 1.35 billion pounds, as macro income fell 14 percent due to a weaker performance
by its U.S.
rates business and the
impact of exiting energy - related commodities.
New auto loan
rates will rise, and current fixed -
rate auto loans won't be
impacted by a boost in interest
rates.
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.
It's a swift jump whose
impact may be intensified
by the fact more than a tenth of its workforce makes the minimum
rate, the highest share in the country.
The Option - Adjusted Duration (OAD) calculation is used to determine how much each position's value may be
impacted by a change in interest
rates.
The exchange
rate was working to offset a good deal of this expansionary
impact,
by restraining some parts of the economy exposed to international trade but not exposed to mining.
By the time I published my latest (July 17) blog entry Beijing had managed to stop the panic with the use of what I called «brute force», by which I meant that there was never likely to be much impact from interest rate moves, regulatory changes, margin relaxation, and so o
By the time I published my latest (July 17) blog entry Beijing had managed to stop the panic with the use of what I called «brute force»,
by which I meant that there was never likely to be much impact from interest rate moves, regulatory changes, margin relaxation, and so o
by which I meant that there was never likely to be much
impact from interest
rate moves, regulatory changes, margin relaxation, and so on.
The current process attempts to minimize the
impact of the pro-cyclical nature of the EI
rate - setting mechanism
by limiting any change to no more than 10 cents per year (employee
rate).
By doing so slowly, they can monitor the
impact of their campaign, and I suspect that, as far as they can see, it looks to be going well — they're «normalizing» the
rate, yet, May's results aside, not much dampening the pace of output or job growth.
As EHS Today reports, the study, titled «Office Design's
Impact on Sick Leave
Rates,» considered almost 2,000 employees working in a variety of environments, and was carried out
by a team of four Stockholm University scientists.
Performance of companies in the financials sector may be adversely
impacted by many factors, including, among others, government regulations, economic conditions, credit
rating downgrades, changes in interest
rates, and decreased liquidity in credit markets.
Policy
rate normalization should not only be borne well
by the economy, but it may actually hold a positive
impact.
By our calculations, this would stem the
impact of our aging workforce and low birth
rate.
The net
impact of the slightly more positive economic forecast is to lower the deficit
by $ 0.9 billion in 2010 - 11 from their November 2010 Update, primarily due to the
impact of lower - than - forecast interest
rates on public debt charges.
In a recent report that we developed with Altimeter Group and Traackr, we found that only 11 % of B2B companies are running an ongoing influencer marketing program, yet 80 % of these marketers
rate content marketing most
impacted by influencer marketing.
If we leave interest
rates it can be interpreted as a fear our economy will be weak and / or
impacted by China.
The
impact of a stronger dollar is likely to remain a hurdle for earnings, but U.S. equities are also contending with high relative valuations and a likely increase in interest
rates by the Federal Reserve (Fed) in the second half of this year.
But one of the interesting findings over the past week is that when market action is characterized
by neither favorable trend uniformity nor a strong breadth reversal, falling interest
rates exert no favorable
impact on stocks.
Written
by NCEO founder Corey Rosen, this issue brief discusses as of mid-2016 the extent and growth of employee ownership; survey data on ESOPs and corporate governance as well as ESOPs and executive compensation; research on the effect of ESOPs on corporate performance; the 2012 shared capitalism study of Great Place to Work applicants; data on employee ownership and employee financial well - being; the NCEO's analysis of data on ESOPs and default
rates; trends in broad - based equity compensation plans; equity compensation and corporate performance; the
impact of ESOPs and other broad - based plans on unemployment; legislative and regulatory issues for employee ownership; and international developments in broad - based plans.