Sentences with phrase «rate used at the time»

Not exact matches

The down payment should always be large enough to make the purchaser feel like an owner rather than a renter, and the payments should be timed so that the item is paid off at a faster rate than it is likely to depreciate from use.

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.

Currently, the company is trading at about 25 times earnings and with a long - term earnings per share growth rate of about 15 %, its price - to - earnings to growth ratio — a metric used to value fast growing companies — is about 1.4.

The other is that if a homeowner opens a HECM credit line, but doesn't use it right away, it can earn interest over time, at the prevailing mortgage rate plus 1.25 %.

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.

Instead of only logging my heart's activity only when prompted or at seemingly sporadic times, Fitbit has figured out a way to measure my heart rate using an optical heart monitor every five seconds without causing battery life to suffer.

Almost all VAs work at an hourly rate, so you need to make sure they're using your paid time efficiently.

At that time, the Bank used daily adjustments in the level of settlement balances to set a «target level» for the overnight rate within the operating band.

The longstanding approach to do this has used a set of foreign exchange rates calculated at a particular time of day, generally 4 pm London, the London «fix», which is published by WM / Reuters (WMR).

Using the same data and fit criteria - with an ABM approach - we saw 7 TIMES more meetings set in our ABE target group even though both groups engaged with us at the same rate.

At about the same time, APRA acted to ensure that the interest rate «buffer» used in the serviceability assessments for all loans was at least 2 percentage points above the relevant benchmark rate (with an interest rate floor of at least 7 per centAt about the same time, APRA acted to ensure that the interest rate «buffer» used in the serviceability assessments for all loans was at least 2 percentage points above the relevant benchmark rate (with an interest rate floor of at least 7 per centat least 2 percentage points above the relevant benchmark rate (with an interest rate floor of at least 7 per centat least 7 per cent).

Max's patent - pending technology platform uses proprietary algorithms to help ensure cash is dynamically allocated to the member's banks offering the best interest rates at any given point in time.

You'd think that corporate debt would grow in proportion to total sales, as this additional debt is used to fund investments in productive activities that create more sales and contribute to the economy, and that higher sales, and presumably higher earnings would create a proportionate increase in the value of the company, and thus in its stock price, and that they all go up together, not in lockstep but over time more or less at the same rate.

I've used it several times a week for a month and as far as I can make out, only an infinitesimal amount of the soap has been consumed so at this rate the soap will probably last me more than a year.

a municipal bond that is secured by an escrow fund; the escrow fund comes from the issuer floating a second bond issue and using the proceeds from that second bond issue to purchase government obligations, typically U.S. Treasuries, proceeds from the second bond issue create an escrow fund to mature at the first call date of the first bond issue to pre-refund that issue; bond issuers will typically do this during times of lower interest rates to lower their interest costs

Specifically, Defendants made false and / or misleading statements and / or failed to disclose that: (i) the Company was engaged in predatory lending practices that saddled subprime borrowers and / or those with poor or limited credit histories with high - interest rate debt that they could not repay; (ii) many of the Company's customers were using Qudian - provided loans to repay their existing loans, thereby inflating the Company's revenues and active borrower numbers and increasing the likelihood of defaults; (iii) the Company was providing online loans to college students despite a governmental ban on the practice; (iv) the Company was engaged overly aggressive and improper collection practices; (v) the Company had understated the number of its non-performing loans in the Registration Statement and Prospectus; (vi) because of the Company's improper lending, underwriting and collection practices it was subject to a heightened risk of adverse actions by Chinese regulators; (vii) the Company's largest sales platform and strategic partner, Alipay, and Ant Financial, could unilaterally cap the APR for loans provided by Qudian; (viii) the Company had failed to implement necessary safeguards to protect customer data; (ix) data for nearly one million Company customers had been leaked for sale to the black market, including names, addresses, phone numbers, loan information, accounts and, in some cases, passwords to CHIS, the state - backed higher - education qualification verification institution in China, subjecting the Company to undisclosed risks of penalties and financial and reputational harm; and (x) as a result of the foregoing, Qudian's public statements were materially false and misleading at all relevant times.

I used Freddie Mac's weekly mortgage survey to get the current average mortgage rates (at the time of publication), and I used an accurate mortgage calculator provided by Bankrate.com to determine the monthly payments.

Getting a wide range of feedback on new products and features — whether they are easy to use, whether they are worth developing in the first place, or what should be next in your development queue — helps keep your ear to the ground and get the all - important community buy - in for greater adoption rates at launch time.

For example, in some programs first - time home buyers are allowed to finance up to 97 percent loan - to - value (LTV) using a conventional fixed rate loan, whereas non-first-time home buyers are required to put at least 5 percent down.

Here is a formula you can use to calculate the amount of money you'll earn at a given interest rate over a period of time:

If funding is announced in dollars, the exchange rate at the time will be used to calculate the pound value, and vice versa.

There's the report that «Whites and blacks use marijuana at roughly the same rates; on average, however, blacks are 3.7 times more likely than whites to be arrested for possession,» and that «blacks are more than 10 times as likely as whites to go to prison for drug offenses.»

The common habit of using the Bible by concentrating on one verse at a time (which may or may not be a complete sentence) is at best a very slow, plodding way to get at the author's main points, rather like playing dominoes or checkers at the rate of one or two moves per day or per week, and at worst a fragmentation and distortion.

The highly rated goalkeeper has found appearances hard to come by for Stoke City and he has played second fiddle to Asmir Begovic, but could use the tournament as a catalyst at an important time in his career.

1) Overpaid players on high salaries 2) Leave selling players at the very end of transfer window 3) Club not knowing what their priorities are during a transfer window by planning beforehand 4) Being too greedy for wanting higher valuation price on average players or selling players bellow their market rate 5) Letting players hold the club to ransom by giving them game time just to make them happy 6) Using the lack of players leaving as an excuse for not signing more players

A study in 2011 looking at more than 645 ACL surgeries found that in patients between the ages of 10 ««19, allograft tissue had a four times higher failure rate than using your own tissue.

I definitely used to think AI was one of the most over rated chuckers of all time coming into this year, but Mitchell's performance this year has really opened my eyes to the problems of just looking at efficiency in a vacuum.

From his time in Cleveland, Wade has been using possessions at a superstar rate off the bench.

How would you rate your season so far?The Swans have used their stylish possession - based game to establish themselves in the Premier League, occasionally scaring bigger opponents (including Arsenal and Liverpool) and encouraging praise from neutrals and pundits.However, despite enjoying lots of possession, goals have been hard to find at times.

At the moment I price my work by calculating the cost of all of the fabrics and materials I use and then adding that to an hourly rate for the time I spend cutting, printing and sewing each garment together.

But then I will read about another nurse - in at a place where a breastfeeding mother was given a hard time, or hear about another study about the for - profit insanity of our current Caesarian rates, or discover a company that makes really lovely pregnancy - and - nursing products I didn't know about when I could have actually used them... and I feel sort of wistful that I won't be able to be part of things any more, not the way I was a few years ago.

We know now that epidural anesthesia increases the rate of posterior position at the time of birth from about 4 % (for women who don't choose an epidural in a university birth setting) up to about 13 % when an epidural is used (Lieberman, 2005).

Many parents use music to lull a baby to sleep at night, but soothing music can be used at any time of the day to reduce anxiety or tension and slow down the baby's heart rate.

Many parents use music to lull a baby to sleep at night, but soothing music can be used at any time of the day to reduce anxiety or tension and slow down the babys heart rate.

Put simply, rail fares have been too expensive for low earners for a long time — to make them affordable enough so that poorer adults use them at a similar rate to rich adults would require major cuts to fares, and therefore a major increase to taxpayer subsidy.

As any sensible and reasonable Budget should, this proposal prudently uses resources to address county needs while at the same time reducing the property tax rate and lessening the burden of community college chargebacks on communities countywide,» said Erie County Executive Mark C. Poloncarz.

The current rate is $ 6 for those who use the bridge at least three times a month.

WAMC's David Guistina talks with Mike Spain of the Times Union about an arrest of a former college student who threatened to commit a mass shooting at an unknown elementary school and a group to review teacher ratings system used by the New York State Board of Regents.

Even though these earmuffs have a 39 decibel protection rating, you'll get even more protection if you use earplugs at the same time.

The OSSOS project uses powerful computers to hunt the images, and Kavelaars was presented with a bright object moving at such a slow rate that it was clearly at least twice as far from Earth Neptune and 120 times further from the Sun than Earth.

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.

In fact, changes due to mutations in the mitochondrial DNA over time can be used to distinguish groups and also to estimate the amount of time that has passed since two individuals shared a common ancestor, as these mutations occur at predictable rates.

Sand will continue to wash into the delta at a steady rate for a long time to come, Nittrouer says — good news for several proposals that aim to use river sediment to rebuild the sinking delta.

Using modern humans» mtDNA mutation rate to calculate the timing, the researchers conclude that the HST mtDNA split from that of all other Neandertals at least 220,000 years ago.

«The researchers also overdosed the mice tested in their study with levels of the ingredient at a rate hundreds of times greater than what would be consider a safe use level (based on EPA standards),» DeLeo said in an email.

People in addiction treatment programs around the world use tobacco at two to three times the rate of people who are not being treated for addiction, according to a review of research studies from 20 countries other than the United States.

Using detailed, ground - level data from the United States Geological Survey (USGS) and Environmental Protection Agency, Cardenas and Kiel analyzed the waterways for sinuosity (how much they bend and curve); the texture of the materials along the waterways; the time spent in the sediment (known as the hyporheic zone); and the rate at which the water flows through the sediment.

Imaging with more than one particle per shot will allow scientists to achieve much higher hit rates, since it is easier to use a wide beam and hit many particles at a time, and will also avoid the need to separate out single - particle hits from multiple - particle hits and blank shots, which is another challenging requirement in traditional single - particle imaging.

At the same time, the McGill researchers estimated the rate using their mathematical method.

In particular, the improvement compared the the commonly used gene overlap enrichment method is massive; the sensitivity was benchmarked to increase by more than 60 times at the same time as the false positive rate was reduced to zero.