Sentences with phrase «rate assumption we used»

To illustrate, let's go back to our steady growth rate assumption we used in Article 8.

Not exact matches

HOWEVER... said the report summary: «Under the assumption that e-cigarette use increases the rate at which adults quit conventional smoking, modeling projects that use of e-cigarettes will generate a net public health benefit...»

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.

Unlike your heart rate, which is a directly measurable number, energy expenditure requires the use of an algorithm based on a set of broad assumptions.

-- Methodology And Assumptions: Standard & Poor's Revises Key Ratios Used In Global Corporate Ratings Analysis, Dec. 28, 2011

I use the term «forecast» somewhat loosely, since these are conditioned on a range of assumptions, such as a fixed nominal exchange rate and a particular path for the cash rate, and hence could better be described as «projections».

The threshold, target, and maximum percentage business line goals shown for the named executives listed in the table above were derived using certain assumptions for 2008 with respect to the general economic, interest rate, credit, and regulatory environment in which we operate and certain assumptions as to the outlook for the businesses each of them managed.

The assumptions underlying the fair value calculation include: the labor required using a burdened overhead rate, the development period, a developer's profit based on the operating profitability of market participants, and the opportunity cost based on the estimated required return on

And though its website doesn't provide custom rate estimates, the rates we did see turned out to be fairly competitive when we used Huntington's loan assumptions to obtain quotes from other lenders.

In the cost - effectiveness analysis (GiveWell estimate of Living Goods cost effectiveness (November 2014)-RRB-, in all Sheets except for «U5MR (Jake's assumptions),» we use 5q0, or the probability of a child dying before his or her 5th birthday expressed in deaths per 1,000 live births assuming constant mortality rates throughout childhood, instead of the under - 5 mortality rate (under 5 deaths per person per year), because the original report on the RCT we received from Living Goods reported outcomes in terms of 5q0.

To get a more accurate comparison of SunTrust's published mortgage rates, we took the assumptions used by the bank and plugged them into online rate tools built by three other major banks.

The process for estimating the fair values of identifiable intangible assets and certain tangible assets requires the use of significant estimates and assumptions, including estimating future cash flows and developing appropriate discount rates.

Financial forecasts, rates of return, risk, inflation, and other assumptions may be used as the basis for illustrations in this analysis.

Given the need to make a whole lot of assumptions and my lack of confidence in my own forecasting abilities, I tend to use the DCF more as a tool to figure out what the market is implying the cash flows to be in the future assuming a certain discount rate and terminal growth.

In their October 2015 paper entitled «Huge Dispersion of the Risk - Free Rate and Market Risk Premium Used by Analysts in 2015», Pablo Fernandez, Alberto Pizarro and Isabel Acín summarize assumptions about the risk - free rate (RF) and the market / equity risk premium (MRP or ERP) used by expert analysts to value companies in six countries (France, Germany, Italy, Spain, UK and U.Rate and Market Risk Premium Used by Analysts in 2015», Pablo Fernandez, Alberto Pizarro and Isabel Acín summarize assumptions about the risk - free rate (RF) and the market / equity risk premium (MRP or ERP) used by expert analysts to value companies in six countries (France, Germany, Italy, Spain, UK and U.Used by Analysts in 2015», Pablo Fernandez, Alberto Pizarro and Isabel Acín summarize assumptions about the risk - free rate (RF) and the market / equity risk premium (MRP or ERP) used by expert analysts to value companies in six countries (France, Germany, Italy, Spain, UK and U.rate (RF) and the market / equity risk premium (MRP or ERP) used by expert analysts to value companies in six countries (France, Germany, Italy, Spain, UK and U.used by expert analysts to value companies in six countries (France, Germany, Italy, Spain, UK and U.S.).

ETH researchers have now shown that the high estimated mutation rates at the start of the epidemic were due to the limited number of virus samples at the time in combination with the computer models used, which calculate the estimates using genetic data from virus samples and from underlying assumptions.

And he points out that using layer thickness to measure Milankovitch cycles requires a risky assumption: that the rate of sediment accumulation, which built these layers, did not change much over 32 million years.

Using very few assumptions, they estimated the rate of interbreeding that would lead to the observed share of Neanderthal DNA.

«You could take this same model or a different model and arrive at different cost numbers using a your own set of assumptions for «business as usual» or interests rates, for instance,» Supekar said.

All the dating techniques are based on assumptions, and the main assumption is the constancy of the process rates used to calculate those ages.

I assumed immediate vesting in the 403 (b) plan, but otherwise I took the same investment return and inflation rate assumptions as the NPPC used *.

Aldeman: We used each state's assumptions for teacher turnover rates, and it's true that in some states the teacher rates are commingled with other types of workers.

Regardless of whether I use the pension plan assumptions or the actual turnover rate, the lines show that half of all new teachers will not reach ten years of service and will not qualify for a retirement benefit.

Using several federal databases, the authors examine the current context and model projections of future trends under several different assumptions about factors influencing supply and demand, including new entrants, re-entrants, projected hires, and attrition rates.

Using present - day assumption rates, this means that rather than 67 percent (the expected rate of teachers staying for five years) teachers vesting into the pension system, only 38 percent (the expected rate of teachers staying for 10 years) are expected to qualify for a pension.

It will still be able to run a local formula using the same factors as now, to help it redistribute some funding like rates, PFI costs and pupil number growth where the need might be slightly different to the assumptions in the national formula.

Their suggestions are purely for their profit only, and most times the better credit card mortgage rate, phone offers aren't nearly the best you can find out there... they use too many assumptions, and clearly are compensated well from those companies.

When we used the same assumptions with online estimates from other lenders, Bank of America's estimate turned out to be very close to US Bank's advertised rate and mortgage APR..

Wells Fargo's estimate was cheaper in both rate and points, but the bank used more generous assumptions to arrive at its figures.

But by going to a retirement income calculator that uses Monte Carlo assumptions to make its projections, you can see how the chances of your nest egg lasting the rest of your life vary based on different withdrawal rates and different estimates of how many years you'll spend in retirement.

He also takes a conservative approach to how much money one needs in retirement, using a 4 % withdrawal assumption, which in a low interest - rate and mid-to-high P / E environment like today is only reasonable.

Given the need to make a whole lot of assumptions and my lack of confidence in my own forecasting abilities, I tend to use the DCF more as a tool to figure out what the market is implying the cash flows to be in the future assuming a certain discount rate and terminal growth.

Thus, they might elect to use 0 as the risk - free rate of return, under the assumption that all non-cash assets are risky.

To get a more accurate comparison of SunTrust's published mortgage rates, we took the assumptions used by the bank and plugged them into online rate tools built by three other major banks.

Rather, it uses Monte Carlo simulations to estimate the chance that you'll be able to generate the retirement income you'll need given your current savings rate, the amount you've already saved, your investing strategy and other assumptions.

By considering the tax implications, using tax rate assumptions, the power of tax - exempt municipal bonds becomes evident.

The death benefit is essentially a «target» using an assumption of cash value performance, such as a 4 % annual rate of return.

Last year, I had combined intermediate term timing with a dividend strategy to lift the continuing withdrawal rate to 5.4 % (plus inflation) under realistic assumptions or 4.8 % (plus inflation) using highly conservative assumptions.

You can use Where Put US Securities spreadsheet to input your own assumptions and calculate an after - tax net rate of return for each possibility.

If you deduct fees from your return assumptions, you're probably still in the ballpark of a 4 % withdrawal rate if you use low - cost index funds and follow a disciplined Couch Potato approach.

The Next Season The Research Affiliates model uses a building - block approach to estimate global asset class expected returns.2 For commercial property, we estimate expected real return beginning with the anticipated capitalization rate adjusted for our assumptions about reserve requirements and the expected constant - quality price change.

Since loanDepot doesn't provide custom rate quotes, we used the company's assumptions to obtain customized estimates from other lenders.

Then for my forecast use the median rate for my primary assumption on return, but then also forecast using the 25th and 75th percentile rates to give a sense of what the next 40 years could actually look like.

Using the same assumptions to obtain rate quotes at New Jersey's most active mortgage lenders revealed that a purchase mortgage will cost more at a traditional bank than a direct lender by 12 or more percentage points.

The Taxable Equivalent Yield (TEY) of those bonds using a 35 % tax - rate assumption would be 2.77 % (the required yield of a taxable bond to keep the same interest income after taxes).

After - tax returns are calculated using certain assumptions, including using the highest individual federal income tax rates in effect at the time of the distribution s and do not reflect the impact of state / local taxes.

I normally use Reverse DCF with 15 % discount rate, 3 % terminal growth rate and future growth assumption of a quarter of historical (5 or 10 years) FCF growth rate.

Criteria used: 0 % intro APR period for balance transfers, balance transfer fees, regular APR, savings period, current APR assumption, monthly payment assumption, other rates and fees, customer service, credit needed, security, ease of application, potential rewards, miscellaneous benefits

Plans determine what a participant's monthly benefit payment would be if the participant's individual account balance in the defined contribution plan were used to purchase an annuity at retirement, based on standard assumptions for interest rates and the participant's life expectancy.

Key input assumptions used to estimate the fair value of stock options include the exercise price of the award, the expected option term, the expected volatility of the Company's stock over the option's expected term, the risk - free interest rate over the option's expected term, and the Company's expected annual dividend yield.