Sentences with phrase «rate changes over time»

An adjustable - rate mortgage (ARM) loan is so named because the interest rate changes over time.

A Home Equity Line of Credit (HELOC) typically has a variable interest rate, which means the rate changes over time, and as long as you make your payments you can borrow against your home's equity.

An interest rate is «fixed» if it remains unchanged over time, while a «variable» interest rate changes over time based on fluctuations in a market benchmark rate, such as 1 - month LIBOR.

Also, if you plan to pay your loan back over a longer period of time, say 10, or 20 years, you might prefer to eliminate the risk of interest rate changes over time by selecting a fixed rate loan.

For example, the safe withdrawal rate changes over time depending on equity valuations and the safe withdrawal rate can be vastly different depending on your age and expectations about Social Security, see two case studies I did recently at ChooseFI and last week here on our blog.

Variable rate changes over time according to market conditions.

An interest rate is «fixed» if it remains unchanged over time, while a «variable» interest rate changes over time based on fluctuations in a market benchmark rate.

This allowed the scientists to understand how sedimentation rates changed over time.

Remember ratings change over time.

As interest rates change over time, bond prices adjust according, and in the opposite direction.

Fixed interest rates are locked in for the life of the loan while variable rates change over time with a benchmark rate.

Of course, the only problem is those rates change over time, and they can grow to become unmanageable if you take a while to pay off your loan.

But because money market rates change over time in response to economic shifts and changes at banks, it's critical to not simply glance at the rate you see on the bank's window or website and assume that that's all there is to know.

A customer's total savings over the lifetime of their solar installation depend on many factors, including how utility rates change over time and, for solar loans, their interest rate.

Looking at staying covered in this historic town means knowing about how different factors make your Peabody insurance rates change over time.

Insurance rates change over time, fluctuating up and down to meet market demands and to modify the costs according to the latest statistics.

Not exact matches

The change is likely to be gradual at first, and it's not yet clear which markets will see it after the U.S., but over time, shoppers will begin to notice star ratings and top reviews on product pages changing.

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.

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.

Sure, the world has changed over the last 90 years, but that time period does include periods when interest rates were every bit as low as they are today.

«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.»

Interest rates will inevitably rise, as the Bank of Canada keeps pointing out, and the federal government has instituted numerous changes over the past few years that will make a home purchase more difficult for first - time buyers.

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).

By contrast, here are the penetration rates in the three biggest music markets in the world and how they've changed over time.

Unlike traditional bond funds, a DMF's price sensitivity to changes in interest rates declines gradually over time, approaching zero near the fund's target end - date.

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.

Obviously it's not desirable to have an interest rate that changes over time (unless it's going down) since it will affect both the total cost of funding as well as your ability to manage your cash flow.

In theory, you could hold an individual bond to maturity and never lose any money even though the market value of the bond may fluctuate based on changing interest rates and other factors (but you could still lose out to inflation over time).

However, if you continue to make your payments on time, keep your balances low, and manage the accounts you have responsibly, over time, your credit rating will increase and you'll see a change in the prequalification offers you receive.

Since a larger share of deposit rates are fixed than are loan rates, this will overstate the effect on cash flows over longer time horizons, though the extent of this bias has not necessarily changed over time in an obvious way.

Unlike traditional bond funds, a DMF's price sensitivity to changes in interest rates declines gradually over time, approaching zero near its target end date.

Variable rates can be much lower than fixed rates, but they can change over time.

The answer lies in the way student loan rates are set, and the changes to the way they have been set over time.

The Fed, however, has been signaling rate increases for quite some time now, so it might be a bit surprising that the markets would adjust that drastically to the recent changes in the 10 - year treasury rate, which has grown by 35 basis points over the past year.

Consider these risks before investing: The value of securities in the fund's portfolio may fall or fail to rise over extended periods of time for a variety of reasons, including general financial market conditions, changing market perceptions, changes in government intervention in the financial markets, and factors related to a specific issuer, industry, or sector and, in the case of bonds, perceptions about the risk of default and expectations about changes in monetary policy or interest rates.

Adjustable - Rate Mortgage Loans (ARMs) feature an interest rate that changes, or adjusts, over tRate Mortgage Loans (ARMs) feature an interest rate that changes, or adjusts, over trate that changes, or adjusts, over time.

A variable rate student loan has an interest rate that changes, or varies, over time.

But over time, that initial rate will change and potentially go up, thus adjusting your monthly payments.

The calculation is a weighted average dollar savings of CommonBond refinance loans and assumes interest rates will not change over time, members make all payments on time, members enroll in ACH, and they do not pre-pay their loans.

feature an interest rate that changes, or adjusts, over time.

This is because interest rate changes have their largest effect on inflation risk, while stronger macroprudential settings will lead to a higher quality of household indebtedness over time.

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.

But innovation and technological change can sustain productivity growth indefinitely, and drive the growth rate over time.

Unlike the fixed - rate loan described above, an adjustable - rate mortgage (ARM) loan has an interest rate that can change over time.

Unlike a fixed - rate mortgage loan, which carries the same interest rate for the entire repayment term, an adjustable / ARM loan has a rate that changes over time.

The price of bitcoin changes over time, so we'll show you the current exchange rate before you buy.

An adjustable loan, as its name suggests, has an interest rate that can change over time.

Make sure that your product can be legally sent to your backers (and their country), and keep in mind that customs rates and import taxes are variable and can change over time.

This is for a certain scenario over that time window, but if you start extending that time window longer or cranking up your drawdown rate a little bit, it changes down to 70 %.

True to its name, an adjustable - rate mortgage (ARM) loan has a mortgage rate that will change or adjust over time.