These contributions are actuarially determined taking into consideration the employee's life expectancy and normal retirement age,
possible changes to interest rates, annual retirement benefit amount, and the potential for employee turnover.
Not exact matches
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
Despite
interest rates remaining very low by historical measures, any dental organization looking
to utilize external funding for projects this fiscal year should be aware of potential
changes and
possible budget implications.
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.
While an ARM's
interest rate is free
to change, there are specific parameters laid out in the loan's terms that control how many times the
rate can
change as well as the highest
possible level that it can reach.
When the Fed decides
to change course by nudging the fed funds
rate higher, it is
possible that
interest rates in general will rise, and / or that the yield curve may flatten out.
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.
Advanced Option ARM Calculator with Minimum Payment
Change Cap Allows you
to create a complete option ARM loan amortization table (with standard and neg - am recasts, automatically estimated
possible future index
changes, various fixed payment periods,
interest rate rounding
to the nearest 1/8 of one percentage, and more).
wish
to benefits from the lowest
rate possible can not qualify for higher
rate programs are willing
to accept annual payment
changes When shopping for a mortgage, borrowers should research current
interest rates and keep an eye on
rate activity.
But because payments and
interest rates can increase, either steadily or irregularly, homebuyers considering this kind of mortgage need
to have the income
to keep up with all
possible rate and / or payment
changes.
But because payments and
interest rates can increase, either steadily or irregularly, homebuyers considering this kind of home mortgage loan need
to have the income
to keep up with all
possible rate and / or payment
changes.
VA
interest rates are subject
to change, so get pre-approved and lock in an
interest rate as soon as
possible.
Because the
interest rate changes, it is not
possible to know in advance how much
interest you will pay and how much principal you will owe at the end of your term.