Many commentators, of course, do the reverse — they focus heavily
on the changes in rates.
However, we were interested in how much influence unforced variability might have had
on changes in the rate of warming over the instrumental period.
Not exact matches
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.
Markets do not expect a
change in interest
rates from the Federal Reserve at the conclusion of its meeting
on Wednesday, though analysts will be watching for any
change in language and indications that a June hike is likely.
significant
changes in discount
rates,
rates of return
on pension assets, mortality tables and other factors could adversely affect our earnings and equity and increase our pension funding requirements;
For all of the segments, renewal
rate change represents the estimated
change in average premium
on policies that renew, excluding exposure
changes.
As for «peak earnings,» Michael Wilson, chief U.S. equity strategist and CIO of Morgan Stanley Wealth Management, said
in a note to clients
on Sunday that» [W] e think the market is digesting the fact that the tax cut last year has created a lower quality increase
in US earnings growth that almost guarantees a peak
rate of
change by 3Q.»
While investors will have to find stocks with higher yields, pay more for them and take
on more risk
in bonds, the biggest
change in a permanently low -
rate world is that people will need to set aside more of every paycheque if they want to keep the same goal for retirement income.
Gordon is curious about an untested policy called «price - level targeting,» which would refocus monetary policy
on achieving an absolute increase
in prices over time, rather than the current emphasis
on the
rate of
change.
Related: How to Diagnose and Repair «Conversion
Rate» Problems
on Your Website The possibilities are endless so be sure to focus
on elements that are likely to bring about the biggest
changes in your website's performance.
«
In some of our markets the reality is that we haven't been
changing at the same
rate as customers» eating - out expectations — or more specifically, their expectations of us at McDonald's,» he said
on the call.
The 30 - day Fed Fund futures can be used as a guide to predict when the Fed might increase interest
rates since the prices are an expression of trader's views
on the likelihood of
changes in U.S. monetary policy.
For all the talk of abnormal times and
changes in underlying economic fundamentals, the Fed is pinning its hopes
on a very conventional premise — that the U.S. consumer will keep spending at recent strong
rates, encouraged by low unemployment and the apparent beginnings of higher wages.
Represents percentage
change compared to prior year period
in average global rental
rate per day
on power units using constant currency.
The courier said it «has never set or
changed rates for any of our millions of customers around the world
in response to their politics, beliefs or positions
on issues.»
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.
While the lower tax
rate and other provisions could free up cash for some companies, the firm notes that borrowing costs could rise for others due to
changes in rules
on deductions.
RBC's capital markets division saw a 13 per cent jump year -
on - year
in net income to $ 748 million, primarily due to a lower effective tax
rate largely due to U.S. tax
changes and higher results
in corporate and investment banking and global markets.
If you draw a line through those data points, you'd conclude that
changes in corporate income tax
rates have essentially zero effect
on changes in corporate income tax revenues.
The company expects the Final
Rate Notice to result in a 3.00 percent (e) rate increase for Humana's individual Medicare Advantage business versus CMS» estimate for the sector of 3.50 percent, excluding the impact of Employer Group Waiver Plan (EGWP) funding changes, on a comparable ba
Rate Notice to result
in a 3.00 percent (e)
rate increase for Humana's individual Medicare Advantage business versus CMS» estimate for the sector of 3.50 percent, excluding the impact of Employer Group Waiver Plan (EGWP) funding changes, on a comparable ba
rate increase for Humana's individual Medicare Advantage business versus CMS» estimate for the sector of 3.50 percent, excluding the impact of Employer Group Waiver Plan (EGWP) funding
changes,
on a comparable basis.
«When you have thousands of people coming to your site every day, if making one little
change like putting a security logo
on your checkout page makes a 1 percent difference
in conversion
rate a day that can make a huge impact
on your bottom line over time.»
Factors that will have an impact
on credit quality of companies include domestic consumption trends, exports, commodity price risks, sensitivity to
changes in interest
rates, working capital risk, capital expenditure and sensitivity to foreign exchange volatility.
The
change would be eliminating the dividend refund that comes later, which could bump the effective tax
rate on passive income,
in cases of high income earners, to the 70 - per - cent - plus level Poilievre talks about.
The New York Times spoke to a number of experts
on the topic, who cited social
changes — such as higher divorce
rates — and the economic downturn as possible reasons for the increase
in suicide
rates overall.
In addition to the rules - based approach, Mester also suggested the Fed not focus so much on short - term data changes in its economic projections, and tweaking those projections to link them to where each individual member believes the funds rate should be if those conditions come to fruitio
In addition to the rules - based approach, Mester also suggested the Fed not focus so much
on short - term data
changes in its economic projections, and tweaking those projections to link them to where each individual member believes the funds rate should be if those conditions come to fruitio
in its economic projections, and tweaking those projections to link them to where each individual member believes the funds
rate should be if those conditions come to fruition.
* Fed meeting
on Wednesday
in focus for
rate hike clues (New throughout, updates prices, market activity and comments to U.S. market open, new byline,
changes dateline, previous LONDON)
Any drop
in the participation
rate in this model, then, would come only from the
changing sizes of the different age groups based
on demographic shifts, and not any other factors.
For those planning
on purchasing a new car
in the next few months, this
rate change likely will not have any material effect
on what
rate you get.
After years of downward forecast revisions that strained the central bank's credibility, the Fed finally settled
in 2016
on expectations that maybe the economy's growth
rate would not exceed 2 %, having been permanently affected by the Great Recession, slowed by
changing demographics, or a combination of the two.
If you think
changing specific elements could enhance your design, create another version based
on your hypothesis and run an A / B test to see if there is any improvement
in checkout
rates with the new design.
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»).
This data shouldn't
change the Fed's interest -
rate strategy, as a rising labor force participation
rate will put a lid
on inflation regardless of how it's done, but it should lower our confidence that the Fed can solve the problem of a bifurcated workforce,
in which a large chunk of workers are getting left behind, simply through interest
rate policy.
At the World Economic Forum's annual meeting
in Davos, Switzerland, the focus
on accelerating the pace and
rate of
change for women has driven many of the sessions and conversations.
In contrast, the U.S. Federal Reserve is in the middle of a rate - hiking cycle although no changes to monetary policy are expected when the bank concludes a two - day meeting on Wednesda
In contrast, the U.S. Federal Reserve is
in the middle of a rate - hiking cycle although no changes to monetary policy are expected when the bank concludes a two - day meeting on Wednesda
in the middle of a
rate - hiking cycle although no
changes to monetary policy are expected when the bank concludes a two - day meeting
on Wednesday.
«FedEx has never set or
changed rates for any of our millions of customers around the world
in response to their politics, beliefs or positions
on issues.»
In her 2012 TED Talk, Melinda Gates makes the argument that many of the world's social
change issues depend
on ensuring that women are able to control their
rate of having kids.
That $ 400 million is
on top of the $ 800 million savings for that fiscal year from the
change in interest
rate projections between Budget 2014 and Budget 2015.
Bank of England Governor Mark Carney's
change in views
on a potential
rate hike «
in the coming months» also resulted
in a jump
in the sterling last week.
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).
These risks include,
in no particular order, the following: the trends toward more high - definition,
on - demand and anytime, anywhere video will not continue to develop at its current pace or will expire; the possibility that our products will not generate sales that are commensurate with our expectations or that our cost of revenue or operating expenses may exceed our expectations; the mix of products and services sold
in various geographies and the effect it has
on gross margins; delays or decreases
in capital spending
in the cable, satellite, telco, broadcast and media industries; customer concentration and consolidation; the impact of general economic conditions
on our sales and operations; our ability to develop new and enhanced products
in a timely manner and market acceptance of our new or existing products; losses of one or more key customers; risks associated with our international operations; exchange
rate fluctuations of the currencies
in which we conduct business; risks associated with our CableOS ™ and VOS ™ product solutions; dependence
on market acceptance of various types of broadband services,
on the adoption of new broadband technologies and
on broadband industry trends; inventory management; the lack of timely availability of parts or raw materials necessary to produce our products; the impact of increases
in the prices of raw materials and oil; the effect of competition,
on both revenue and gross margins; difficulties associated with rapid technological
changes in our markets; risks associated with unpredictable sales cycles; our dependence
on contract manufacturers and sole or limited source suppliers; and the effect
on our business of natural disasters.
Variable interest
rates range from 3.80 % -11.90 % (3.80 % -11.80 % APR) and will fluctuate over the term of the loan with
changes in the LIBOR
rate, and will vary based
on applicable terms, level of degree earned and presence of a co-signer.
In November 2000, the Bank introduced a system of eight fixed dates each year
on which it announces whether or not it will
change the policy interest
rate.
Among the biggest
changes to the
rate structure will be
in how much customers are paid for the electricity they put back
on the grid, though net metering.
Variable interest
rates range from 2.90 % -8.00 % (2.90 % -8.00 % APR) and will fluctuate over the term of the borrower's loan with
changes in the LIBOR
rate, and will vary based
on applicable terms, level of degree earned and presence of a co-signer.
Interest
rate risk is simply the fact that bonds fluctuate
in the price the market is willing to pay for them based
on changes in interest
rates.
The reason fairness would require that this ratio be equal to one is that, as argued by the Italian economist Luigi Pasinetti
in his 1981 book, Structural
Change and Economic Growth: A Theoretical Essay
on the Dynamics of the Wealth of Nations, a fair interest
rate is such that the purchasing power of one hour of labour stays constant through time even when its monetary equivalent is lent or borrowed.
As a result, there can be no assurance that a significant
change in market interest
rates will not have a material adverse effect
on our net investment income.
It is of great importance that the public is confident that the federal funds
rate will be,
on average over time, within the target range set forth by the FOMC, and that other money market
rates will continue to move closely with
changes in the federal funds
rate.
A number of operational features were required to implement such an overnight reverse repo, or
ON RRP, facility: It would need same - day settlement; 16 the operation would need to be run predictably, every day, and as late
in the day as possible, to give lenders time to bargain with other counterparties using the outside option of investing with the Federal Reserve; 17 an appropriate spread below IOR would be required to ensure that the facility neither induced large
changes in the structure of money markets nor lost the ability to support interest
rate control; 18 and the operations would need enough unused capacity that lenders could credibly propose to leave borrowers that did not offer an adequate interest
rate.19
Factors that could cause or contribute to actual results differing from our forward - looking statements include risks relating to: failure of DBRS to
rate the Notes at the anticipated
ratings levels, which is a closing condition, or at all;
changes in the financial markets, including
changes in credit markets, interest
rates, securitization markets generally and our proposed securitization
in particular; the willingness of investors to buy the Notes; adverse developments regarding OnDeck, its business or the online or broader marketplace lending industry generally, any of which could impact what credit
ratings, if any, are issued with respect to the Notes; the extended settlement cycle for the scheduled closing
on April 17, 2018, which may exacerbate the foregoing risks; and other risks, including those described
in our Annual Report
on Form 10 - K for the year ended December 31, 2017 and
in other documents that we file with the Securities and Exchange Commission from time to time which are or will be available
on the Commission's website at www.sec.gov.