Sentences with phrase «like changes to your interest rate»

Not exact matches

In addition to long - duration Treasuries, these classic «safe havens» include high - yielding defensive equities like utilities, as well as precious metals, both of which are sensitive to changes in real interest rates.

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.

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.

If you wait too long, market conditions, like changing interest rates, can make it necessary for you to get a revised loan estimate.

Risk factor analysis shows that equity market sectors that act like «bond proxies» may be more sensitive to changes in interest rates than bonds themselves.

Furthermore, the Fed would like to adhere to the so - called «Taylor Rule» (in spite of Professor Taylor's protestations that it is misinterpreting and misusing his concept), a mathematical construct that purports to make monetary policy more «scientific» by establishing an arithmetic rule for varying the administered interest rate according to the variance of «actual from target inflation» (note that «inflation» refers to the change in a price index in this case, not the phenomenon of inflation of the money supply as such), as well as the variance of economic output from «potential output» (i.e, the so - called «output gap» is incorporated in the formula as well).

Because mortgages can be refinanced, bonds that are backed by agencies like GNMA are especially susceptible to changes in interest rates.

We used a 15 - year bond in the above example, and long - term bonds like this are more sensitive to changes in interest rates.

Also, when you buy a CD through a broker, the only way to get your money out early is to sell the CD, and since the value of a brokered CD responds to interest rate changes like a bond, the value of a brokered CD could decline significantly if interest rates were to increase.

«Much like the laws of physics change from the world of Newtonian large objects to the world of quantum Einsteinian dynamics, so too might low interest rates at the zero - bound reorient previously held models that justified the stimulative effects of lower and lower yields on asset prices and the real economy.»

We can get into alternatives like balance transfer offers to a lower interest rate, debt consolidation loans, but those strategies are useless unless the people change their habits so that they start focusing on where they're wasting money and get back on side.

The formula used to calculate monthly principal and interest payments on a fixed - rate loan in which the rate and, therefore, payment never changes, looks like this: P = [i L (1 + i) ^ n] / -LSB-(1 + i) ^ n - 1].

If you want to lower the interest rate or change the term length on your student loans, you're better off getting a student debt refinance loan than getting a debt consolidation loan since those loans can often offer extra benefits like the ability to defer your loans.

An extra $ 10 per month expense to a customer on an account with a balance like mine ($ 6100 dollars outstanding) changes my effective «interest rate» to just above 7 %, which increases as the balance decreases over time.

It's good to do so every time you have a major life change — like relocation, new employment or birth — or every few months as seasons, interest rates, gas prices and utility bills change.

Pre-qualifying gets you access to potential loan terms, like the amount you qualify for and the interest rate, though those numbers might change after a lender gains detailed access to your finances after you formally apply.

So, he came to terms with investing in bond funds, and he's looking into strategies like our Flexible Income approach that are designed to adapt to changing interest rates.

Just like bonds, which also make fixed payments, the market value of preferred shares is sensitive to changes in interest rates.

The rise and fall of interest rates (like the nationwide increase that followed the Fed's action in December) won't change the terms of your loan, so you'll always know what to expect.

Like any other fixed - income investments, such as bonds, the GIC investor can find herself exposed to changes in interest rates.

However, like mutual funds, they carry similar market risks to their underlying securities so they'll be subject to forces such as interest rate changes, geopolitics and industry trends.

Like all bonds, agency bonds are sensitive to changes in interest rates — when interest rates increase, agency bond prices fall and vice versa.

This will likely change moving forward as we are about to begin a new interest rate cycle that many have not witnessed or simply forgot what it felt like.

Interest rate hikes can be like stepping on the brakes while interest rate cuts can be like hitting the accelerator but bear in mind that consumers and business react a little more slowly to these Interest rate hikes can be like stepping on the brakes while interest rate cuts can be like hitting the accelerator but bear in mind that consumers and business react a little more slowly to these interest rate cuts can be like hitting the accelerator but bear in mind that consumers and business react a little more slowly to these changes.

You may want to consider a fixed rate mortgage program if you are on a fixed income, plan to be in the home for a long time or like the peace of mind of knowing your principal and interest payments will never change.

Whatever happens come November, it looks like the national conversation on student loan interest rates has come to a head with many people feeling like it's time to change how the government manages the federal student loan programs.

There are risks in the bond market, of course, such as rising interest rates, so it makes sense to invest in a fixed income strategy that can adapt to these changes, like the NoLoad FundX Flexible Income approach.

A home equity loan has a fixed interest rate but like with a credit card, the interest rates on an HELOC are subject to change.

This means that like a credit card, the interest rates and payment period are subject to change.

Variable interest rates are often tied to common indices like the Prime Rate or LIBOR (The London Interbank Offered Rate) and can change as frequently as every 30 to 90 days.

Changes to your rewards program, interest rate, and other changes all come in separate envelopes that sometimes look suspiciously like junChanges to your rewards program, interest rate, and other changes all come in separate envelopes that sometimes look suspiciously like junchanges all come in separate envelopes that sometimes look suspiciously like junk mail.

Brad, It doesn't sound like you are going to be affected to much by changing interest rates so why not just go for a variable open mortgage and then you can pay what ever you want on it.

They are complying with requirements like the necessity of 45 days» notice before changes to a credit card agreement, any payment made above the minimum be put toward the credit card debt with the highest interest rate, or those eliminating fees for going over a card's credit limit.

Like bonds, preferreds generally exhibit a negative relationship to interest rate changes.

To most of us, «credit card companies» are companies like Visa or MasterCard, but Visa and MasterCard don't issue credit cards and don't change interest rates.

According to several news outlets, the next rate increase is expected to be announced this week — and the change will affect many facets of our economy, like mortgages, credit card rates, and some student loans.The fact is, however, that a lot of us who aren't completely sure what a Fed interest rate hike means for our everyday lives.

Eliminating Credit Card Debt At first, credit card debt can seem like a minor blip, until it begins to build with changing interest rates, hidden fees, and billing procedures that make your credit card debts collect into a massive unmanageable heap.

And if you have a 0 % APR card, even one late payment can change your interest rate from 0 % to like 18 %!

REIT share prices, like the broader stock market, have been sensitive to changes in the outlook for interest rates, including both the short - term rates set by the Federal Reserve and the long - term rates that are governed more by market forces.

Restructuring related to a money market rule change is causing interest rates to rise, making it more expensive for institutions to lend to each other (and to borrowers like us).

However, one very important thing about comparing charts dynamically like this is that the scale of the X and Y axes need to remain the same as you change the loan amount, interest rate, etc..

Risk factor analysis shows that equity market sectors that act like «bond proxies» may be more sensitive to changes in interest rates than bonds themselves.

- 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

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.

Your death benefit coverage can be guaranteed, provided that premiums are paid exactly as illustrated.1 The Lapse Protection Benefit allows you to ensure that your policy will be in - force for as long as you'd like, without regard to factors such as policy charges and changes in interest rates that are outside of your control.

Herrera maintains contact by sending material of interest, like an update on interest rates or changes in the law, to former clients and customers two to three times a month.

The factors at work could be sustained low interest rates, high employment rate, legislative changes which make it easier to purchase a property — events and conditions that make buyers think it would be a good time to buy a big ticket item like a home.