The category most
impacted by interest rate rises is the Canadian Long Aggregate market, comprised of long - term - to - maturity (10 years and over) investment - grade bonds issued by Canadian governments and corporations.
Bond prices are
impacted by interest rate changes — bonds with higher durations carry more risk above and have higher price volatility than bonds with lower durations
Further, there is limited liquidity for zero coupon bonds since their price is not
impacted by interest rate changes.
Since changes in interest rates will have the most impact on CDs with longer maturities, shorter - term CDs are generally less
impacted by interest rate movements.
Since changes in interest rates will have the most impact on CDs with longer maturities, shorter - term CDs are generally less
impacted by interest rate movements.
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.
Certain commodities are
impacted by interest rates.
«What Industries Are
Impacted by Interest Rates?»
A recent report by realtor.com ® suggests higher mortgage rates, which are indirectly
impacted by interest rates, could be scaring off first - time homebuyers with plans to purchase this spring.
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.
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.
«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.
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.
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.
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.
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.
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.
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.
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.
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.
These risks and uncertainties include food safety and food - borne illness concerns; litigation; unfavorable publicity; federal, state and local regulation of our business including health care reform, labor and insurance costs; technology failures; failure to execute a business continuity plan following a disaster; health concerns including virus outbreaks; the intensely competitive nature of the restaurant industry; factors
impacting our ability to drive sales growth; the
impact of indebtedness we incurred in the RARE acquisition; our plans to expand our newer brands like Bahama Breeze and Seasons 52; our ability to successfully integrate Eddie V's restaurant operations; a lack of suitable new restaurant locations; higher - than - anticipated costs to open, close or remodel restaurants; increased advertising and marketing costs; a failure to develop and recruit effective leaders; the price and availability of key food products and utilities; shortages or interruptions in the delivery of food and other products; volatility in the market value of derivatives; general macroeconomic factors, including unemployment and
interest rates; disruptions in the financial markets; risk of doing business with franchisees and vendors in foreign markets; failure to protect our service marks or other intellectual property; a possible impairment in the carrying value of our goodwill or other intangible assets; a failure of our internal controls over financial reporting or changes in accounting standards; and other factors and uncertainties discussed from time to time in reports filed
by Darden with the Securities and Exchange Commission.
Interest rates may increase but probably not enough to make an
impact to a CD that is up for renewal, Real estate income should increase over time but mostly a few percentage points here and there, I suppose you could manufacture more income
by paying off one of the rentals assuming your income numbers are after expenses and not gross income.
Comprehensive loss to shareholders and book value per share were
impacted by declines in both our fixed income and equity portfolios, driven
by an increase in
interest rates and unfavorable movements in the equity markets during the period.
Strategic Total Return continues to carry a duration of about 3.5 years in Treasury securities (meaning that a 100 basis point move in
interest rates would be expected to
impact the Fund
by about 3.5 % on the basis of bond price fluctuations), and holds about 10 % of assets in precious metals shares, and about 5 % of assets in utility shares.
These positive earnings drivers were more than offset
by the combined
impact of several factors, including increased energy - related provisions for credit losses, a 17 basis point decline in net
interest margin, moderate growth of non-
interest expenses, the addition of acquisition - related contingent consideration fair value changes reflecting performance within CWB Maxium Financial (CWB Maxium), higher preferred share dividends, and the 20 % increase to CWB's income tax
rate in Alberta.
This means that applying for multiple loans at once can lower your credit score
by a few points, which could
impact the
interest rate you're quoted on later loan applications.
All other department and agency expenses increased
by $ 1.6 billion (3.2 %), largely reflecting an increase in actuarial liabilities for claims and employees» pension and other future benefit costs, the latter reflecting the
impact of low
interest rates on plan assets.
Interest rate hike
by US Fed @ 25 bpts had no
impact on the US and global financial markets.
For now, the Strategic Total Return Fund continues to carry a limited duration of about 2 years (meaning that a 100 basis point move in
interest rates would be expected to
impact the Fund
by about 2 % on the basis of bond price fluctuations), mostly in Treasury Inflation Protected Securities.
They understand how to potentially mitigate the
impact of market volatility brought on
by interest rate risk.
The
impact of those cash
rate reductions on home mortgage borrowers has been reinforced
by a significant compression of intermediaries»
interest margins in that area.
Strategic Total Return continues to carry a duration of about 3 years in Treasury securities (meaning a 100 basis point move in
interest rates would be expected to
impact Fund value
by about 3 % on the basis of bond price fluctuations), with about 10 % of assets in precious metals shares, and about 5 % of assets in utility shares.
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.
It also means that INC has less
interest rate risk than AGG, and may be less
impacted by a rise in
rates.
The margin is set in the mortgage contract, remains fixed for the term of the loan and is not
impacted by the financial markets and movement of
interest rates.
As a result, they are likely to be more seriously
impacted by rising
interest rates.
Though small caps have lower exposure to the dollar's
impact on international sales, this benefit is being trumped
by small cap's potential vulnerability to the changing
interest rate environment.
If you have good genes and a healthy lifestyle, your increased long life means you may be negatively
impacted by the new normal of low
interest rates and the lack of a real pension for life.
The
rate change will also
impact current student borrowers with variable
interest rates since they typically rise with the benchmark
rate set
by the Fed.
New auto loan
rates will rise, and current fixed -
rate auto loans won't be
impacted by a boost in
interest rates.
Strategic Dividend Value is hedged at about half the value of its stock holdings, and Strategic Total Return continues to hold a duration of just over 3.5 years (meaning that a 100 basis point move in
interest rates would be expected to
impact Fund value
by about 3.5 % on the basis of bond price fluctuations), with less than 10 % of assets in precious metals shares, and about 5 % of assets in utility shares.
Your
interest rates are
impacted by factors such as your creditworthiness, length of your repayment term, the laws of the state in which you live and other factors.
illustrates that paying down $ 4,000 in credit card debt can
impact potential retirement savings
by an estimated $ 75,000 — and that number can be even bigger depending on
interest rates, payment amounts, and annual salary.
The company says that while the majority of Canadians will not be materially
impacted in the near term
by an
interest rate increase there is a «material subset» that may be challenged.
A bigger challenge for young and middle - aged Canadians, added Vettese, is the low
interest rate environment and the
impact that the aging population is having on the balance between savers and borrowers, despite efforts
by government to stimulate the economy.
Depending on your lender, it may also be
impacted by some of the loan - related choices you make, like the type of
interest rate you choose and how you decide to pay the loan back.