Not exact matches
This is because the province has accumulated a
large public debt that given the prospects for an economic slowdown and / or rising
interest rates will potentially
increase fiscal pressure via debt service costs which
in 2016 - 17 totaled $ 11.7 billion or just over 8 percent of total government spending.
Specifically, Defendants made false and / or misleading statements and / or failed to disclose that: (i) the Company was engaged
in predatory lending practices that saddled subprime borrowers and / or those with poor or limited credit histories with high -
interest rate debt that they could not repay; (ii) many of the Company's customers were using Qudian - provided loans to repay their existing loans, thereby inflating the Company's revenues and active borrower numbers and
increasing the likelihood of defaults; (iii) the Company was providing online loans to college students despite a governmental ban on the practice; (iv) the Company was engaged overly aggressive and improper collection practices; (v) the Company had understated the number of its non-performing loans
in the Registration Statement and Prospectus; (vi) because of the Company's improper lending, underwriting and collection practices it was subject to a heightened risk of adverse actions by Chinese regulators; (vii) the Company's
largest sales platform and strategic partner, Alipay, and Ant Financial, could unilaterally cap the APR for loans provided by Qudian; (viii) the Company had failed to implement necessary safeguards to protect customer data; (ix) data for nearly one million Company customers had been leaked for sale to the black market, including names, addresses, phone numbers, loan information, accounts and,
in some cases, passwords to CHIS, the state - backed higher - education qualification verification institution
in China, subjecting the Company to undisclosed risks of penalties and financial and reputational harm; and (x) as a result of the foregoing, Qudian's public statements were materially false and misleading at all relevant times.
Other factors may have been a degree of illiquidity
in the swap market
in the face of
large increases in private sector bond issuance and rising
interest rates.
Of particular relevance, under the current monetary regime it is not only possible for a
large, general
increase in the desire to save to be accompanied by rising
interest rates, it is highly probable that when a
large rise
in interest rates happens it will be accompanied by a general desire to save more.
«It is unlikely that historically low
rates of deforestation can persist
in the face of growing pressures to clear land due to
increases in population, demand for wood and charcoal, cropping with reduced fallow periods leading to soil degradation, and international
interests in large scale land investments for oil, biofuel and other crops,» the study states.
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.
I don't have any
large purchases planned this year but if I did, an
increase in interest rates would make me think twice about borrowing money for my purchases.
«However, for low - to - moderate UPB borrowers taking out
larger amounts of equity — again narrowing the scope to borrowers that will continue to itemize — the post-tax math may now favor cash - out refinances instead, even if it results
in a slight
increase to first - lien
interest rates.»
If you are carrying a significant balance at the time of
increase, a high
interest rate can result
in a
large finance charge.
«When
rates go up, there is a ripple effect that will likely lead to an
interest rate increase on variable
rate products,» said Bruce McClary
in an interview, a spokesman for the National Foundation for Credit Counseling based in Washington, D.C. «In most cases, it is not a very large change, but even the most insignificant increases can have a major impact on budgets that are very tight.&raqu
in an interview, a spokesman for the National Foundation for Credit Counseling based
in Washington, D.C. «In most cases, it is not a very large change, but even the most insignificant increases can have a major impact on budgets that are very tight.&raqu
in Washington, D.C. «
In most cases, it is not a very large change, but even the most insignificant increases can have a major impact on budgets that are very tight.&raqu
In most cases, it is not a very
large change, but even the most insignificant
increases can have a major impact on budgets that are very tight.»
Small reduction
in costs equal small
rate increases, while
large reduction
in closing costs equal
large interest rate increases.
But
in Ontario and B.C., a much
larger proportion of people are worried about
interest rates going up and locking them out of the housing market, or when it comes time to refinance,
increasing their financial strain.»
In 1995, the Affordable Price increased, reflecting the drop in mortgage interest rates which allowed a larger mortgage to be carrie
In 1995, the Affordable Price
increased, reflecting the drop
in mortgage interest rates which allowed a larger mortgage to be carrie
in mortgage
interest rates which allowed a
larger mortgage to be carried.
Still, future
increases will
in large part depend on how quickly and how high
interest rates move up.
Yes, they have the potential to: i) benefit massively, at least
in the short - term, from a spike / step - change
in volatility, and / or a
large market decline, and ii) possibly benefit longer - term from an accompanying spike or sustained
increase in interest rates (and / or credit spreads)-- historically, a primary driver of broker profitability was
interest earned on client balances, which has now been almost eliminated.
In the event that the fund holds a large portion of its portfolio in longer duration securities when interest rates increase, the share price of the fund may fall significantl
In the event that the fund holds a
large portion of its portfolio
in longer duration securities when interest rates increase, the share price of the fund may fall significantl
in longer duration securities when
interest rates increase, the share price of the fund may fall significantly.
One of these factors is the public REITs» cost of capital, which had risen earlier
in 2016, improved midway through the year and then
increased again
in large measure as a result of actual or perceived changes
in the
interest rate environment.
Statistics show this group of young adults now makes up the
largest group of buyers
in the market, but lower
interest rates and an
increasing job market are not the only factors driving them to homeownership.
«A second - round
interest rate increase... has essentially been fully priced into the market... What happens next
in terms of the longer - term trajectory of policy remains a
large question mark.»
It therefore seems that the new stricter bylaws on qualification for uninsured mortgages together with
increased interest rates are taking a bite at least
in the two most unaffordable
large markets
in Canada.
As
interest rates started to climb, Smoke said Realtor.com experienced a
large increase in potential first - time homebuyers examining the site for homes.
Interest rates are expected to start edging upward during the next two years, but the study says a
large increase in rates is unlikely.
For example, if the
interest rate on the 5/1 ARM rose from 2.625 percent to 8.625 percent, which is the
largest increase the contract allows, the payment on a $ 300,000 loan would rise from $ 1,205 initially to $ 2,124
in month 85.
They are usually reduced with
larger down payments, or an
increase in interest rate.