In that case, Roth contributions might make more sense anyway (Roth is better if your tax rate now is
lower than in the future).
Not exact matches
The price of oil could then spike
in the
future if the
lower oil production meets higher
than expected demand.
Bogle advises investors to plan for the
future on the assumption that returns will be much
lower than they have been
in the past.
Returns processing is regarded as a
low - priority operation more focused on recovering lost value
than in promoting
future value.
In response to the vote, the British pound had collapsed to a 31 - year
low against the US dollar, falling below $ 1.35, while stock
futures were collapsing with US
futures off more
than 3.5 % while London's FTSE 100 down almost 9 %.
Any earnings growth will be unevenly distributed, with planned cuts to working - age benefits and the potential for higher inflation
in the
future hitting
low - income households harder
than high - income households, the IFS said.
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).
Variable interest rate loans are usually offered at
lower rates
than fixed rate loans, but can be risky because the student loan rates could rise significantly
in the
future.
The payout level considered a balanced view of performance, including financial results
lower than planned, but strong growth
in strategic imperatives revenue, leading to a faster remix towards the business portfolio of the
future while also progressing the core portfolio of systems and services.
But If we do experience
low returns, behavior will matter more
than ever, so I'm trying to anchor not to the bottom
in 2008, or the top
in 2000, but to what really matters, my
future.
The one major point
in favor of your argument that you didn't highlight is that most people using a Roth IRA assume that they'll make more money
in the
future than they do today, thus realizing a
lower tax rate by paying taxes now
than they would have
in the
future (even assuming tax rates stay constant).
The initial interest rate on a floating - rate security may be
lower than that of a fixed - rate security of the same maturity because investors expect to receive additional income due to
future increases
in the floating security's underlying reference rate.
Assuming the same
future financing with a $ 12M pre-money valuation and a $ 10 price per share, the valuation cap would drive the conversion price given that it results
in a
lower price per share
than the discount.
I'm much more comfortable saying that stocks are more expensive
than they have been
in the past and it would be wise for people investing
in U.S. stocks to expect
lower returns
in the
future.
Any
future changes
in the tax treatment of investment earnings or a rate of return that is
lower than the assumed rate of return may further impact the comparison.
It's not just that
future returns will be
lower from current interest rate levels
than they've been
in the past; it's that volatility
in bonds will be much higher from -LSB-...]
Under these scenarios, taking the tax hit early
in your retirement account would make sense because you would be at a much
lower tax rate now
than in the
future.
It's just that with rates so
low now there's not as much of a cushion if inflation picks up
in the
future, so volatilty will likely be higher
than normal
in bonds.
U.S. stock
futures are trading more
than 3 %
lower as investors worry about a sharp drop
in Chinese stocks after Friday's falls of more
than 3 % for U.S. indices.
In addition, our future income taxes could fluctuate because of earnings being lower than anticipated in jurisdictions that have lower statutory tax rates and higher than anticipated in jurisdictions that have higher statutory tax rates, by changes in the valuation of our deferred tax assets and liabilities, or by changes in tax laws, regulations, or accounting principle
In addition, our
future income taxes could fluctuate because of earnings being
lower than anticipated
in jurisdictions that have lower statutory tax rates and higher than anticipated in jurisdictions that have higher statutory tax rates, by changes in the valuation of our deferred tax assets and liabilities, or by changes in tax laws, regulations, or accounting principle
in jurisdictions that have
lower statutory tax rates and higher
than anticipated
in jurisdictions that have higher statutory tax rates, by changes in the valuation of our deferred tax assets and liabilities, or by changes in tax laws, regulations, or accounting principle
in jurisdictions that have higher statutory tax rates, by changes
in the valuation of our deferred tax assets and liabilities, or by changes in tax laws, regulations, or accounting principle
in the valuation of our deferred tax assets and liabilities, or by changes
in tax laws, regulations, or accounting principle
in tax laws, regulations, or accounting principles.
Contango, a market situation
in which the spot prices are
lower than future prices, encourages traders to store crude oil and profit from selling it at prices higher
than the spot market.
As an aside, the biggest ever speculative net short position
in silver
futures (of more
than 10,000 contracts) was recorded
in late July 1997 — with silver trading at $ 4.43, then the
low of the year.
During downturns
in major commodity markets, there is a tendency to get all doomy and gloomy about the
future and get locked into a
lower than longer mentality.
But those
future generations will be better off owing lots of money
in long - term bonds at
low rates
in a currency they can print
than they would be inheriting a vast deferred maintenance liability.
The Series A Preferred shall also be convertible into any
future series of Preferred Stock (the «Future Preferred») under either of the following circumstances: (a) if such conversion is approved by the Board or (b) if such conversion is in connection with a future Preferred Stock equity financing in which the Company's fully diluted pre-money valuation is greater than the Company's fully diluted post-money valuation immediately following the Series A Financing contemplated by this term sheet (a «Future Financing»), in either case, on a one - for - one basis (subject to anti-dilution adjustment) at the option of the holder; provided however, if such conversion is in connection with a Future Financing, that the holder may convert into shares of Future Preferred only in the event that all of such shares of Future Preferred received by the holder upon conversion are sold to an Approved Investor (as defined below) no later than 90 days following the first closing of the Future Financing at a price per share no lower than the price per share at which the Company sells shares of such Future Preferred in the Future Financing and, provided further, that such Approved Investor is not an affiliate, family member, or related party of the h
future series of Preferred Stock (the «
Future Preferred») under either of the following circumstances: (a) if such conversion is approved by the Board or (b) if such conversion is in connection with a future Preferred Stock equity financing in which the Company's fully diluted pre-money valuation is greater than the Company's fully diluted post-money valuation immediately following the Series A Financing contemplated by this term sheet (a «Future Financing»), in either case, on a one - for - one basis (subject to anti-dilution adjustment) at the option of the holder; provided however, if such conversion is in connection with a Future Financing, that the holder may convert into shares of Future Preferred only in the event that all of such shares of Future Preferred received by the holder upon conversion are sold to an Approved Investor (as defined below) no later than 90 days following the first closing of the Future Financing at a price per share no lower than the price per share at which the Company sells shares of such Future Preferred in the Future Financing and, provided further, that such Approved Investor is not an affiliate, family member, or related party of the h
Future Preferred») under either of the following circumstances: (a) if such conversion is approved by the Board or (b) if such conversion is
in connection with a
future Preferred Stock equity financing in which the Company's fully diluted pre-money valuation is greater than the Company's fully diluted post-money valuation immediately following the Series A Financing contemplated by this term sheet (a «Future Financing»), in either case, on a one - for - one basis (subject to anti-dilution adjustment) at the option of the holder; provided however, if such conversion is in connection with a Future Financing, that the holder may convert into shares of Future Preferred only in the event that all of such shares of Future Preferred received by the holder upon conversion are sold to an Approved Investor (as defined below) no later than 90 days following the first closing of the Future Financing at a price per share no lower than the price per share at which the Company sells shares of such Future Preferred in the Future Financing and, provided further, that such Approved Investor is not an affiliate, family member, or related party of the h
future Preferred Stock equity financing
in which the Company's fully diluted pre-money valuation is greater
than the Company's fully diluted post-money valuation immediately following the Series A Financing contemplated by this term sheet (a «
Future Financing»), in either case, on a one - for - one basis (subject to anti-dilution adjustment) at the option of the holder; provided however, if such conversion is in connection with a Future Financing, that the holder may convert into shares of Future Preferred only in the event that all of such shares of Future Preferred received by the holder upon conversion are sold to an Approved Investor (as defined below) no later than 90 days following the first closing of the Future Financing at a price per share no lower than the price per share at which the Company sells shares of such Future Preferred in the Future Financing and, provided further, that such Approved Investor is not an affiliate, family member, or related party of the h
Future Financing»),
in either case, on a one - for - one basis (subject to anti-dilution adjustment) at the option of the holder; provided however, if such conversion is
in connection with a
Future Financing, that the holder may convert into shares of Future Preferred only in the event that all of such shares of Future Preferred received by the holder upon conversion are sold to an Approved Investor (as defined below) no later than 90 days following the first closing of the Future Financing at a price per share no lower than the price per share at which the Company sells shares of such Future Preferred in the Future Financing and, provided further, that such Approved Investor is not an affiliate, family member, or related party of the h
Future Financing, that the holder may convert into shares of
Future Preferred only in the event that all of such shares of Future Preferred received by the holder upon conversion are sold to an Approved Investor (as defined below) no later than 90 days following the first closing of the Future Financing at a price per share no lower than the price per share at which the Company sells shares of such Future Preferred in the Future Financing and, provided further, that such Approved Investor is not an affiliate, family member, or related party of the h
Future Preferred only
in the event that all of such shares of
Future Preferred received by the holder upon conversion are sold to an Approved Investor (as defined below) no later than 90 days following the first closing of the Future Financing at a price per share no lower than the price per share at which the Company sells shares of such Future Preferred in the Future Financing and, provided further, that such Approved Investor is not an affiliate, family member, or related party of the h
Future Preferred received by the holder upon conversion are sold to an Approved Investor (as defined below) no later
than 90 days following the first closing of the
Future Financing at a price per share no lower than the price per share at which the Company sells shares of such Future Preferred in the Future Financing and, provided further, that such Approved Investor is not an affiliate, family member, or related party of the h
Future Financing at a price per share no
lower than the price per share at which the Company sells shares of such
Future Preferred in the Future Financing and, provided further, that such Approved Investor is not an affiliate, family member, or related party of the h
Future Preferred
in the
Future Financing and, provided further, that such Approved Investor is not an affiliate, family member, or related party of the h
Future Financing and, provided further, that such Approved Investor is not an affiliate, family member, or related party of the holder.
The YC documents are probably fine
in situations where the investor (i) wishes to purchase equity rather
than convertible debt, (ii) is otherwise somewhat indifferent on terms other
than percentage ownership of the company, liquidation preference and right of first offer
in future financings, (iii) is investing at a fairly
low valuation (i.e. a couple of million dollars), and (iv) is only investing a small amount (i.e. a couple hundred thousand dollars or less).
However, the final financial outcome for 2016 - 17 at $ 17.8 billion was $ 5.3 billion
lower than that estimated
in the March 2017 Budget, part of which should carry forward
in 2017 - 18 and
future years.
Floating - rate securities The initial interest rate on a floating - rate security may be
lower than that of a fixed - rate security of the same maturity because investors expect to receive additional income due to
future increases
in the floating security's underlying reference rate.
We believe that
Low / No Moat companies are so subject to the competitive nature of the markets
in which they operate that their
future is far more governed by luck
than by conditions within their control.
Rather
than lowering your payment amount or providing forgiveness of your educational loans
in the
future, LRAPs provide funds now to make those monthly payments on your loans.
The
lower the interest rate the smaller the difference will tend to be between the spot price and the prices for
future delivery, so
in a world dominated by ZIRP (Zero Interest Rate Policy) the differences between spot and
futures prices will generally be smaller
than usual.
This is because the
lower valuations of companies leaving the S&P 500 make them undervalued, and generate better total returns
than the index
in the
future.
Taking on more equity risk when the expected
future returns are
lower than in the past and downside risks higher makes little sense to me.
We are living
in a
low - return world, with
future market returns likely to be
lower than in recent history.
If we're living
in a
low - rate world, and our only option other
than holding cash is to buy the S&P at 30 times earnings, or a 30 year treasury at 2 %, or whatever other shitty deal is on offer, and you ask me what we should do, I can only answer the question by asking whether there will continue to be a ready supply of buyers at those valuations into the
future.
Futures prices generally move somewhat
in response to changes
in the spot price, even when movements
in the latter are driven by transitory factors, but their substantially
lower volatility suggests that they are more anchored to longer - run price fundamentals
than are spot prices.
Knowing that a large fund is about to buy a particular
futures contract (pushing up its price), these investors could buy the contract ahead of time at the
lower price and sell to the ETF at the higher price —
in which case investors who own the ETF will see slightly worse performance
than they would otherwise.
A market
in which the
futures price is
lower than the spot price is said to be
in backwardation.
The crude oil ETF, which invests
in futures contracts, trades near its 10 - year
low price of $ 10.48 as of Oct. 18, 2017, after peaking at more
than $ 100 on Jan. 1, 2008.
The number of pedophiles
in the rcc may not be much different
than in the general population, but it appears that the number of priests, or others
in authority, that place the safety and
future of children above their cult is very
low, if not zero, given that not a single «whistle blower» from within the rcc has come forward, to my knowledge.
The
low Protestant / evangelical / fundamentalist churches that litter the American countryside have simply forgotten that Jesus
in the Gospels was more concerned with bringing the Kingdom to Earth today (and everyday)
than planning for some pie -
in - the - sky, everything - is - wonderful
future.
Africa is overpopulated because its soils and forests are rapidly being depleted such that its carrying capacity for humans
in the
future will be
lower than now.
While only 32 percent said they're now earning as much as they need (far
lower than the other generations), 53 percent said they will earn enough to meet their financial needs
in the
future (which is far higher).
Although this is slightly pricier
than impact whey and has a
lower protein content per 100g (If my memory serves me right) I have used this for a few months and will continue to do so
in the near and far
future.
It's so much
lower calories and fat
than the cashew «cheese» that I've been using... I'm sure I'll use it many times
in the
future.
This is an incredibly difficult question to answer for a variety of reasons, most importantly because over the years our once vaunted «beautiful» style of play has become a shadow of it's former self, only to be replaced by a less
than stellar «plug and play» mentality where players play out of position and adjustments / substitutions are rarely forthcoming before the 75th minute... if you look at our current players, very few would make sense
in the traditional Wengerian system... at present, we don't have the personnel to move the ball quickly from deep - lying position, efficient one touch midfielders that can make the necessary through balls or the disciplined and pacey forwards to stretch defences into wide positions, without the aid of the backs coming up into the final 3rd, so that we can attack the defensive lanes
in the same clinical fashion we did years ago... on this current squad, we have only 1 central defender on staf, Mustafi, who seems to have any prowess
in the offensive zone or who can even pass two zones through so that we can advance play quickly out of our own end (I have seen some inklings that suggest Holding might have some offensive qualities but too early to tell)... unfortunately Mustafi has a tendency to get himself
in trouble when he gets overly aggressive on the ball... from our backs out wide, we've seen pace from the likes of Bellerin and Gibbs and the spirited albeit offensively stunted play of Monreal, but none of these players possess the skill - set required
in the offensive zone for the new Wenger scheme which requires deft touches, timely runs to the baseline and consistent crossing, especially when Giroud was playing and his ratio of scored goals per clear chances was relatively
low (better last year though)... obviously I like Bellerin's
future prospects, as you can't teach pace, but I do worry that he regressed last season, which was obvious to Wenger because there was no way he would have used Ox as the right side wing - back so often knowing that Barcelona could come calling
in the off - season, if he thought otherwise... as for our midfielders, not a single one, minus the more confident Xhaka I watched played for the Swiss national team a couple years ago, who truly makes sense under the traditional Wenger model... Ramsey holds onto the ball too long, gives the ball away cheaply far too often and abandons his defensive responsibilities on a regular basis (doesn't score enough recently to justify): that being said, I've always thought he does possess a little something special, unfortunately he thinks so too... Xhaka is a little too slow to ever boss the midfield and he tends to telegraph his one true strength, his long ball play: although I must admit he did get a bit better during some points
in the latter part of last season... it always made me wonder why whenever he played with Coq Wenger always seemed to play Francis
in a more advanced role on the pitch... as for Coq, he is way too reckless at the wrong times and has exhibited little offensive prowess yet finds himself
in and around the box far too often... let's face it Wenger was ready to throw him
in the trash heap when injuries forced him to use Francis and then he had the nerve to act like this was all part of a bigger Wenger constructed plan... he like Ramsey, Xhaka and Elneny don't offer the skills necessary to satisfy the quick transitory nature of our old offensive scheme or the stout defensive mindset needed to protect the defensive zone so that our offensive players can remain aggressive
in the final third... on the front end, we have Ozil, a player of immense skill but stunted by his physical demeanor that tends to offend, the fact that he's been played out of position far too many times since arriving and that the players
in front of him, minus Sanchez, make little to no sense considering what he has to offer (especially Giroud); just think about the quick counter-attack offence
in Real or the space and protection he receives
in the German National team's midfield, where teams couldn't afford to focus too heavily on one individual... this player was a passing «specialist» long before he arrived
in North London, so only an arrogant or ignorant individual would try to reinvent the wheel and / or not surround such a talent with the necessary components...
in regards to Ox, Walcott and Welbeck, although they all possess serious talents I see them
in large part as headless chickens who are on the injury table too much, lack the necessary first - touch and / or lack the finishing flair to warrant their inclusion
in a regular starting eleven; I would say that, of the 3, Ox showed the most upside once we went to a back 3, but even he became a bit too consumed by his pending contract talks before the season ended and that concerned me a bit... if I had to choose one of those 3 players to stay on it would be Ox due to his potential as a plausible alternative to Bellerin
in that wing - back position should we continue to use that formation...
in Sanchez, we get one of the most committed skill players we've seen on this squad for some years but that could all change soon, if it hasn't already of course... strangely enough, even he doesn't make sense given the constructs of the original Wenger offensive model because he holds onto the ball too long and he will give the ball up a little too often
in the offensive zone... a fact that is largely forgotten due to his infectious energy and the fact that the numbers he has achieved seem to justify the means... finally, and
in many ways most crucially, Giroud, there is nothing about this team or the offensive system that Wenger has traditionally employed that would even suggest such a player would make sense as a starter... too slow, too inefficient and way too easily dispossessed... once again, I think he has some special skills and, at times, has showed some world - class qualities but he's lack of mobility is an albatross around the necks of our offence... so when you ask who would be our best starting 11, I don't have a clue because of the 5 or 6 players that truly deserve a place
in this side, 1 just arrived, 3 aren't under contract beyond 2018 and the other was just sold to Juve... man, this is theraputic because following this team is like an addiction to heroin without the benefits
Keep
in mind that prop bets like these generally have
low limits, and odds will move easier
than futures or game lines.
David N'Gog is hit and miss but he could come good at some point
in the
future — unquestionably
in a
lower half side with less pressure on his shoulders
than at Liverpool.
Even if circumcision is proven to slightly
lower the risk of acquiring an STD
in the
future, safe sexual practices (abstinence, fidelity and condoms) are more important and has more to do with preventing STDs
than circumcision.
In fact,
future confidence, that is, the hope and faith that tomorrow will be better
than today for me and for the economy is the
lowest we've seen this year.