However, life insurance is
priced by rate bands, as they're called in the industry.
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.
At constant exchange
rates and business scope, year - on - year sales increased 5.2 %, driven
by a 6.0 % positive
price effect reflecting ongoing actions to raise selling
prices along the entire acrylic chain.
By contrast, while the cost of older, branded pharmaceuticals continue to rise and contribute to increased spending, when discounting is considered,
prices of these drugs increased, on average, 2.8 % in 2015, the lowest growth
rate in years.
The gathering capped off what was later reported as a record - breaking month for the the company: 14 million rides, an uptick in full -
price rides taken, and a $ 400 million to $ 500 million run
rate by Recode's calculations.
Perth has suffered the biggest drop in house
prices, falling 2.4 per cent in the June quarter, as capital city house
prices across Australia decline
by the sharpest
rate in nearly than three years.
Costs back then were still low
by today's standards, but the integrated mining operations were seeing operating costs of $ 12 - 18 / bbl and new projects needed $ U.S. oil
prices of $ 20 - $ 30 to generate reasonable
rates of return.
The latest change in tone may also reflect an additional concern - that low interest
rates are fostering financial instability
by promoting bubbles in asset
prices and stimulating excessive credit creation.
BoC Governor Mark Carney feels he doesn't have to raise
rates because inflation, as measured
by the core Consumer
Price Index (CPI) is still within target.
Rate filings for 2018 have been rocked
by an uncertain regulatory environment that's led many insurers to
price defensively.
By next year, there are questions to answer about what data should guide policy and the extent to which preventing asset -
price bubbles should influence the benchmark interest
rate.
Despite rising debt levels and increasing home
prices, Canadians continue to allocate less income toward paying off debt, according to the Canadian Household Financial Health and Consumer Credit Q1 2015 report [paywall] recently published
by credit
rating agency DBRS.
Futures markets reacted after the jobs data
by pricing in the risk of three, or even more,
rate rises from the Federal Reserve this year.
Perth continues to take out the title of Australia's most affordable capital city when it comes to buying houses and apartments, driven
by lower property
prices and low interest
rates, a report released today has found.
The bank cited the prospect of slower economic growth in Canada brought about
by lower oil
prices as one reason for moderating the
rate.
In response to a question about whether a
rate cut amounted to pouring gasoline on the overheated housing market, Poloz said «We admit that these conditions are likely to cause financial imbalances,» in some cases, but that the Bank's primary goal is to ameliorate the «financial shock» to the economy caused
by the drop in oil
prices.
A cyclical downturn, a sharp decline in stock
prices, or an unexpectedly steep increase in real interest
rates dictated
by skeptical overseas investors might be the catalyst that prompts legislators to get serious.
Here are some examples of how this concept can be used
by investment analysts to anticipate the likely movements in exchange
rates and asset
prices.
Yet the finish line for
Price may be when he can lift his own salary up to market
rate — making it easier for the company to replace him, if necessary, and show CEOs that sacrifice
by the boss is only temporary when overhauling a company's wage structure.
Still, the Fed chairman reiterated his argument that lower
rates boost growth
by helping increase
prices of stocks, homes and other assets.
And as the EIA points out, this brief wholesale
price drop hasn't been matched
by overall drops in California's consumer electric
rates, which remain well above average.
That means making them compete directly
by putting their offers side
by side, so that customers can choose on what really matters in this business —
prices measured in
rates and points.»
The beginning of his tenure has been defined
by ramped up market volatility, a pickup in
rates and the consensus that inflation is ticking higher after a prolonged period of
price suppression.
By February 2018,
prices had significantly recovered, and UBS observed that unemployment
rates dropped across many of those regions.
According to Acadata and LSL property services and reported
by Bloomberg, the average
price of a house in London was down 2.7 % on the year in September, the decline accelerating from a
rate of 0.7 % in August.
Outback Western Australia is the worst - performing property market in the nation, according to a new report
by ratings agency Moody's, which also found housing
prices in Perth have fallen
by 8 per cent since peaking in December 2014.
PCMag
rated this 4 out 5 and this is an excellent deal as you are getting a $ 50 remote and a SD card for the same
price as just the camera
by itself.
New faster hardware is being created
by various mining start - ups at a rapid
rate and the
price tag for a full mining rig — capable of discovering new bitcoins on its own — currently costs in the ballpark of $ 12,000.
UK house
prices should, however, continue to be supported
by an ongoing shortage of property for sale, low levels of housebuilding, and exceptionally low interest
rates.
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.
We also already know that the higher a bond's coupon
rate, the less its
price will be affected
by interest
rate swings.
Still, Sal Guatieri, a senior BMO economist, wrote last week that «in no way are family incomes growing fast enough to justify the rampant
price moves,» nor can it be explained
by a sudden spike in mortgage lending, which was given a boost
by the Bank of Canada's two
rate cuts last year.
Gasoline
prices in June rose
by their highest
rate in four months, fueling an overall rise in U.S. consumer
prices.
If that homeowner moved to a similarly -
priced home but had a 5.5 %
rate, their annual payments would rise
by $ 3,000 a year, to $ 17,000.
European revenues were up 18 percent, fueled
by exchange
rates and higher
pricing, but margins were down 1.5 percentage points to 1.3 percent for the region.
«The six - city Teranet National Bank House
Price Index is estimated
by tracking the observed or registered Canadian home
prices over time which we've compared to the inverse of the Bank of Canada overnight lending
rate.
Amazon could improve the grocery shopping experience at Whole Foods and online
by making it easier for shoppers to
rate and review food items as well as compare
prices, said Brent Shelton, online shopping expert at
price comparison website FatWallet.com.
The ACCC did not say on Friday whether the banks succeeded in influencing the ringgit
rates — which affect who profits from a trade, and
by how much — but said that rules required them to make their
pricing submissions independently.
The existential threat facing automakers is compounded
by investor fears that the automakers» recent boom is as short - lived as today's low interest
rates and cheap gas
prices.
The move comes as the Hong Kong - based trader aims to rebuild investor confidence after a brutal commodities downturn coincided with a questioning of its accounts in early 2015
by Iceberg Research, sparking a collapse in its share
price and
ratings credit agency downgrades.
Markets are mostly
pricing in two more
rate rises this year, although some analysts foresee three more increases
by the end of 2018.
If you're talking about a new project with no significant investment already deployed, building a new mine if you expect today's
prices to hold in the long term is a tough call — a 50 - year oil sands project is a lot of risk for less than a 10 %
rate of return — but even there, you can see the impact of the lower Canadian dollar and the hedge provided
by a royalty regime which lowers
rates when
prices are low.
They're
pricing out mortgages at low
rates and realizing that they can save money and build equity
by purchasing a home instead of renting an apartment.»
First voiced in the 1970s
by Arthur Laffer, an adviser to the Nixon administration who came from the conservative Chicago school of economics, it was embraced
by the likes of Ronald Reagan and Margaret Thatcher and, consensus has it, went a long way to alleviating the stagflation of that era (though falling energy
prices and interest
rates, demographic shifts and yes, deficit spending contributed too).
Bond yields snapped higher, adding to their already steep gains, and federal funds derivatives showed market expectations are moving closer to
pricing in a full three interest
rate hikes
by December.
As you can see, their
price in early September dipped below 99.475, meaning investors believed then that fed funds
rate would climb above 0.525 %
by January 2015.
If Poloz was correct, and the media only care about
prices when they spike to absurd levels, then let me suggest that some us are about to make up for it
by working overtime to explain why the Bank of Canada wants to raise interest
rates even though core inflation is trending away from the two - per - cent target.
This would include soaring inflation and the possibility of massive interest -
rate hikes
by the Federal Reserve to offset the
price increases.
Affordability:
Rates are up, and so are
prices, but both had fallen to such lows in the recession that, overall, houses are still cheap
by historical standards.
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).