This is the customer's chance to check out the services, features, and
rates of a certain company he / she plans to avail.
In some instances,
rates of a certain company may be a bit high compared to others, but they might have the better service record.
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.
If you Google «home cleaner,» or «babysitter» or «handyman» in a
certain city, you'll either see ads for one (or multiple)
of the aforementioned on - demand platforms on the first page
of Google; or you'll find directories (like Yelp) listed high up in Google, taking you to a more curated and
ratings - based search results page where those same on - demand
companies are listed or have ads running.
Gain related to interest
rate swaps The
company recognized a pre-tax gain
of $ 14 million in the three months ended March 31, 2018, within interest and other expense, net related to
certain forward - starting interest
rate swaps for which the planned timing
of the related forecasted debt was changed.
The dollar weakened by 8.5 percent in 2017, creating a tailwind for the technology sector and
certain multinational
companies that should benefit from lower tax
rates on the repatriation
of foreign profits.
The Healthcare Reform Law, including The Patient Protection and Affordable Care Act and The Healthcare and Education Reconciliation Act
of 2010, could have a material adverse effect on Humana's results
of operations, including restricting revenue, enrollment and premium growth in
certain products and market segments, restricting the
company's ability to expand into new markets, increasing the
company's medical and operating costs by, among other things, requiring a minimum benefit ratio on insured products, lowering the
company's Medicare payment
rates and increasing the
company's expenses associated with a non-deductible health insurance industry fee and other assessments; the
company's financial position, including the
company's ability to maintain the value
of its goodwill; and the
company's cash flows.
After ruinous bouts
of competition like this, rival railroad
companies would agree to cooperate, pooling the business in
certain areas and setting common
rates.
Through the app, subscribers can pay a set monthly
rate instead
of per ride, an option the year - old
company had previously tested with
certain users.
If the government can guarantee
certain savings in bank accounts through the F.D.I.C., why not establish a program that would require that every employee own a regulated block
of stock (Retirement Account) made up
of stock in the
company the employee works for and, so the employee will not have all his retirement eggs in one basket, include in this retirement basket high
rated bonds and stocks from other non-competing employee - owned
companies?
Schwab Equity
Ratings use a scale
of A, B, C, D and F and are assigned to approximately 3,000 stocks headquartered in the United States and
certain foreign nations where
companies typically locate or incorporate for operational or tax reasons.
Examples
of forward - looking statements include, but are not limited to, statements we make regarding the
Company's plans, assumptions, expectations, beliefs and objectives with respect to store openings and closings; product introductions; sales; sales growth; sales trends; store traffic; retail prices; gross margin; operating margin; expenses; interest and other expenses, net; effective income tax
rate; net earnings and net earnings per share; share count; inventories; capital expenditures; cash flow; liquidity; currency translation; growth opportunities; litigation outcomes and recovery related thereto; the collectability
of amounts due under financing arrangements with diamond mining and exploration
companies; and
certain ongoing or planned product, marketing, retail, manufacturing, information systems development, upgrades and replacement, and other operational and strategic initiatives.
a reduction in the
rating awarded a debt or equity security; a credit agency downgrades the debt
of a
company, municipality, or governmental entity indicating a potential deterioration in the financial situation
of the issuer and its ability to meet its obligations in full and / or on time.; a downgrade suggests investors are less
certain to receive interest payments and return
of capital
As a result
of certain employment actions and capital investments the
Company has undertaken, income from manufacturing and services in
certain countries is subject to reduced tax
rates, and in some cases is wholly exempt from taxes, through 2024.
Within the business cuts, the legislation would reduce the corporate tax
rate from 35 to 20 percent ($ 1.5 trillion), allow
companies to fully deduct the cost
of business investments in the year they are made through 2022 ($ 25 billion), and limit the top
rate on
certain pass - through business income paid on the individual side to 25 percent ($ 448 billion).
Examples
of these risks, uncertainties and other factors include, but are not limited to the impact
of: adverse general economic and related factors, such as fluctuating or increasing levels
of unemployment, underemployment and the volatility
of fuel prices, declines in the securities and real estate markets, and perceptions
of these conditions that decrease the level
of disposable income
of consumers or consumer confidence; adverse events impacting the security
of travel, such as terrorist acts, armed conflict and threats thereof, acts
of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread
of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment
of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount
of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion
of our assets pledged as collateral under our existing debt agreements and the ability
of our creditors to accelerate the repayment
of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange
rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss
of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to
certain ships and
certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price
of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare
rates and occupancy levels at different times
of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability
of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the
Company with the Securities and Exchange Commission.
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.
Many
companies offer
rate reductions for being a safe driver and maintaining a clean driving record for a
certain number
of years.
Of course, credit card
companies have the right to raise your interest
rate in
certain circumstances, but if you pay your bills on time and manage your debts responsibly, you can trust that your interest
rate on the account will remain steady.
Conversely, towards the end
of a boom cycle, when the Fed is moving in to raise
rates — a nod to improved corporate profits —
certain sectors often continue to do well, such as technology stocks, growth stocks and entertainment / recreational
company stocks.
The type
of services covered under the new rules are
companies that promise to 1) work with a creditor to settle the debt for a lesser amount than is owed, (debt settlement
companies) 2) work with all
of a consumer's unsecured creditors to promulgate a debt management plan to vary the terms
of all such debts, under a debt management plan (debt management
companies) and 3) negotiate with a creditor to lower the interest
rate of the outstanding debt and / or waiver
of certain debt fees, such as late fees or over the limit fees (debt negotiation
companies).
Some
companies offer reduced
rates to members
of certain professional organizations or interest groups.
A
certain life reinsurer who was large then (call them Geta Life), but is out
of the business now (unimaginable then, but given what happened here, no surprise), reinsured a large portion
of the immediate annuities and structured settlements, including
rated structured settlements that the AIG domestic life
companies had written.
Finally, insurance
companies will offer lower
rates when you eliminate
certain types
of coverage from your policy.
For all previously reviewed
companies (year - to - date), share prices have been updated (plus FX
rates &
certain other inputs), so the attached file is actually a real - time ranking (by potential upside)
of all
companies covered.
In the case
of a mortgage, the interest is a percentage
rate over a
certain period
of time paid to the mortgage
company.
However, a
certain percentage
of these assets are not deemed to be investment grade (in the investment class
of A or better), which in turn, can make the insurer
ratings agencies a bit more leery about the
company's overall financial strength in the event
of a downward moving market.
For example, if you want to invest a
certain portion
of your portfolio in stocks because
of their relatively high
rate of return, should you invest in the individual stocks
of a few select
companies, individual stocks from many different
companies, or in funds that track the performance
of large swaths
of companies in the stock market?
Examples: Some utility
companies charge you more per unit
of energy, interest
rates (on cars, homes, credit cards... everythang) is higher, and some jobs won't even hire you if your score is below a
certain number.
A contract issued by an insurance
company that guarantees a specific
rate of return on an investment over a
certain time period.
Some
of the best motorcycle insurance
companies offer steep discounts, so, while their base
rates may not be low,
certain customers will be able to benefit from applicable discounts.
Of course, all
companies want the 5 - star
rating on Tripadvisor but what if you have specific issues or want to evaluate a
certain protocol?
A union comprised
of freelance game programmers, each paying a
certain amount
of dues, could set salary
rates for hiring in game
companies and negotiate on behalf
of workers — even in studios with only one or two hired team members.
There was also a program from my former electric
company that gave a sweet year - round discount on your electric
rate for using less than a
certain amount
of electricity in the summer — more programs like this would be great.
If you want to know the truth about gasoline prices, here it is: the exploding demand for oil, especially in places like China, is overwhelming the
rate of new discoveries by so much that oil prices are almost
certain to continue upward over time no matter what the oil
companies promise.
It provided for an annual salary
of $ 65,000; the right to participate in
certain benefit plans and programs; a monthly car allowance
of $ 750; paid vacation days, accrued at a
rate of 6 %
of total earnings; use
of a
company laptop; and reimbursement
of up to $ 150 per month for the business use
of the employee's personal mobile communication device.
The employment contract not only provided for an annual salary
of $ 65,000; the right to participate in
certain benefit plans and programs; a monthly car allowance
of $ 750; paid vacation days, accrued at a
rate of 6 %
of total earnings; use
of a
company laptop; and reimbursement
of up to $ 150 per month for the business use
of the Respondent's personal mobile communication device.
One
company might offer better
rates for people with diabetes, and another
company might offer better
rates for people with a history
of certain heart problems.
Some insurance
companies are more forgiving or understanding
of certain medical impairments and offer more affordable life insurance
rates for these conditions.
Now this is not a unique feature only offered by Colonial Penn, many different insurance
companies offer policies with premiums that increase over time, and in some cases these types
of policies are great for
certain types
of clients, BUT... before anyone buys such a policy, they should take a look at what the
rates will look like 10, 15 or even 20 years down the road.
If a
company has to pay out a lot
of money on claims for
certain categories
of drivers, they can raise
rates for those categories in order to compensate for the losses they have caused.
In fact, in
certain circumstances, there is one insurance
company that will potentially offer type 2 diabetics a preferred
rate if they exhibit excellent control
of their glucose and A1C.
Most insurance
companies are going to allow you to smoke a
certain number
of cigars every year before they charge you smoker's
rates.
While the
ratings of insurance and financial analysts are very important, when it comes to figuring out whether or not you'll be happy with a
certain car insurance
company you need to see what their customers think
of them.
If a
company has had a large profit for a
certain category
of drivers because
of few claim payouts, they can offer lower
rates to those motorists, increasing the number
of policies sold and consequently increasing profit.
In other words, an annuitant pays an insurance
company a
certain amount which is then credited with a
certain rate of interest, and this is how money grows in an annuity.
Ratings of travel insurance
companies are made by
certain insurance
rating services, such as AM Best, who specialize in examining various factors that contribute to the reliability
of travel insurance
companies.
Some
companies are even offering the same
rates with an exam or without an exam up to a
certain amount
of coverage.
After a policy has been in effect for a
certain amount
of time, some
companies may reorder credit information on the customer that may have a positive effect on their
rate.