Not exact matches
These risks and uncertainties include, among others: the unfavorable outcome of litigation, including so - called «Paragraph IV» litigation and other patent litigation, related to any of our products or products using our proprietary technologies, which may lead to competition from generic drug manufacturers; data from clinical trials may be interpreted by the FDA in different ways
than we interpret it; the FDA may not agree with our regulatory approval strategies or components of our filings for our products, including our clinical trial designs, conduct and methodologies and, for ALKS 5461, evidence of efficacy and adequacy of bridging to buprenorphine; clinical development activities may not be completed on time or at all; the results of our clinical development activities may not be positive, or predictive of real - world results or of results in subsequent clinical trials; regulatory submissions may not occur or be submitted in a timely manner; the company and its licensees may not be able to continue to successfully commercialize their products; there may be a reduction in payment
rate or reimbursement for the company's products or an increase in the company's financial
obligations to governmental payers; the FDA or regulatory authorities outside the U.S. may make adverse decisions regarding the company's products; the company's products may prove difficult to manufacture, be precluded from commercialization by the proprietary rights of third parties, or have unintended side effects, adverse reactions or incidents of misuse; and those risks and uncertainties described under the heading «Risk Factors» in the company's most recent Annual Report on Form 10 - K and in subsequent filings made by the company with the U.S. Securities and Exchange Commission («SEC»), which are available on the SEC's website at www.sec.gov.
As someone who teaches and advises in the field and has an
obligation to keep current with emerging developments, given the significant
rate of change in the last ten years, I could not imagine how a director of a company could remain current without ongoing requirements rather
than passing familiarity or osmosis (I am speaking here of directors who have chosen not to upgrade their education).
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»).
Economic factors like consumer confidence, financial
obligations, and delinquencies are all improving and the consumer may be more insulated
than investors think from a back - up in yields, given 75 % of their financial
obligations are in the form of a mortgage, close to 90 % of all mortgages are 30 - year fixed, and the average mortgage is termed out at the lowest
rate ever... Taking these factors into account, we generally think it pays to remain sanguine.»
As we reduce the small business tax
rate to 9 percent from 11 percent, we will ensure that Canadian - Controlled Private Corporation (CCPC) status is not used to reduce personal income tax
obligations for high - income earners rather
than supporting small businesses.
If GM used a 4 % discount
rate, its reported pension
obligation could be more
than $ 1 billion lower.
[22] If the total amount of debt in the project is less
than $ 75 million, then the applicant must obtain only one investment - grade
rating on the senior obligations and one rating on the TIFIA credit instrument from a Credit Rating A
rating on the senior
obligations and one
rating on the TIFIA credit instrument from a Credit Rating A
rating on the TIFIA credit instrument from a Credit
Rating A
Rating Agency.
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.
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, including store closings, higher -
than - anticipated or increasing costs, including with respect to store closings, relocation, occupancy (including in connection with lease renewals) and labor costs, the effects of competition, the risk of insufficient access to financing to implement future business initiatives, risks associated with data privacy and information security, risks associated with Barnes & Noble's supply chain, including possible delays and disruptions and increases in shipping
rates, various risks associated with the digital business, including the possible loss of customers, declines in digital content sales, risks and costs associated with ongoing efforts to rationalize the digital business and the digital business not being able to perform its
obligations under the Samsung commercial agreement and the consequences thereof, the risk that financial and operational forecasts and projections are not achieved, the performance of Barnes & Noble's initiatives including but not limited to its new store concept and e-commerce initiatives, unanticipated adverse litigation results or effects, potential infringement of Barnes & Noble's intellectual property by third parties or by Barnes & Noble of the intellectual property of third parties, and other factors, 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 30, 2016, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.
Since permanent life insurance policies have much higher
rates than term policies, and most financial
obligations go away over time, term life insurance is typically the better option for most people.
A couple of benefits for federal short - term loans are that they tend to have better interest
rates than longer - term loan
obligations regardless of whether it's for business, education or a home purchase.
Lenders will usually extend credit if your monthly
obligations are less
than 40 % of your gross income, says mortgage broker Robert McLister, but you'll want to stay below that number to protect yourself against rising interest
rates.
Personally, I find swap
rates more comparable across countries
than sovereign
obligations.
For any reason, if your financial
obligations increase and money becomes tighter
than you had anticipated, you might only afford to pay the loan's interest
rate and other fees.
In fact, you're only adding extra interest charges to an existing
obligation, since credit cards generally carry higher interest
rates than student or auto loans.
While paying a judgment does not remove it from your credit report or boost your credit
rating, it does look better to prospective lenders that you satisfied your legal
obligation to your previous creditor rather
than ignoring the debt altogether.
If you're doing it to reduce your overall interest
obligation, only consolidate debt that has a higher
rate than the consolidation vehicle, loan, credit card etc..
While they're not direct
obligations of the United States, they typically offer government guarantees or sponsorship, and often a higher
rate of return
than Treasuries of comparable term lengths.
These considerations include changes in exchange
rates and exchange control regulations, political and social instability, expropriation, imposition of foreign taxes, less liquid markets and less available information
than is generally the case in the United States, higher transaction costs, foreign government restrictions, less government supervision of exchanges, brokers and issuers, greater risks associated with counterparties and settlement, difficulty in enforcing contractual
obligations, lack of uniform accounting and auditing standards and greater price volatility.
Those who have borrowed from private sources may have an especially hard time paying down their current student loan
obligations, as interest
rates may be higher
than those on government loans.
In general, within any asset class, higher credit
rated reference
obligations will exhibit less credit spread movement
than lower credit
rated reference
obligations.
The APR offered will depend on your credit score, income, debt payment
obligations, loan amount, loan term, credit usage history and other factors, and therefore may be higher
than our lowest advertised
rate.
Sure, 5 - year
obligations are much more volatile
than 3 - month bills and do have risk of loss if interest
rates rise.
Lower
rated bonds, convertible securities and other types of debt
obligations involve greater risks
than higher
rated bonds.
While they are not direct
obligations of the United States, most offer government guarantees or sponsorship and a higher
rate of return
than Treasuries of comparable term lengths.
Assuming that the PAR
obligations are fixed and don't increase at some
rate of interest, then even if home prices were expected to take about 15 years to recover, the PARs would still trade at more
than 50 % of face.
Bonds and other debt
obligations, fixed -
rate capital securities and preferred stock that are considered senior to common stock within an entity's capitalization structure and therefore have a higher priority to repayment
than another bond's claim to the same class of assets.
Illinois lawmakers passed a $ 36 billion budget and a $ 5 billion income tax increase in July, which are expected to stabilize state finances in the near term.2 The three major
rating agencies affirmed Illinois» investment - grade status, but warned that the state's fiscal challenges, which include more
than $ 250 million in unfunded pension
obligations, could continue to affect the state's credit in the long run.3 — 4
Although the interest
rate will still be lower
than if you left the balance on the credit cards, it will still require a large payment to satisfy the loan
obligation.
The most important being the
obligation for all private parking lots to offer 8 bike spots for every 50 vehicle spots they have, at a
rate that can never be higher
than 10 % of the car fare.
Even this ambitious
rate of reductions satisfies well less
than half of the EU's total
obligation.
Since permanent life insurance policies have much higher
rates than term policies, and most financial
obligations go away over time, term life insurance is typically the better option for most people.
Rather
than looking up the average cost of renters insurance, the most accurate way to estimate your renters insurance
rates is to get a free, no -
obligation renters insurance quote.