Moody's — With a history that spans a time period just eleven years shorter than A.M. Best, Moody's Investor Service is another one that looks at the finances but
this time at the credit rating.
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.
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.
That comes
at a
time when
credit cards are being handed out
at a historic
rate, and several Wall Streeters are worried about the auto - loan market.
That's because the Federal Reserve has signaled its intention to raise the prime lending
rate this year, and
credit card interest
rates will rise
at the same
time, according to author and TV host Suze Orman.
Negative spillover effects in the form of excessive capital inflows and upward pressure on their exchange
rates have
at times made it difficult for them to control domestic
credit conditions and have threatened their international competitiveness.
Factors that could cause or contribute to actual results differing from our forward - looking statements include risks relating to: failure of DBRS to
rate the Notes
at the anticipated
ratings levels, which is a closing condition, or
at all; changes in the financial markets, including changes in
credit markets, interest
rates, securitization markets generally and our proposed securitization in particular; the willingness of investors to buy the Notes; adverse developments regarding OnDeck, its business or the online or broader marketplace lending industry generally, any of which could impact what
credit ratings, if any, are issued with respect to the Notes; the extended settlement cycle for the scheduled closing on April 17, 2018, which may exacerbate the foregoing risks; and other risks, including those described in our Annual Report on Form 10 - K for the year ended December 31, 2017 and in other documents that we file with the Securities and Exchange Commission from
time to
time which are or will be available on the Commission's website
at www.sec.gov.
At the same time, «anyone who doesn't have a pristine credit rating finds it very difficult at this point to qualify for a mortgage.&raqu
At the same
time, «anyone who doesn't have a pristine
credit rating finds it very difficult
at this point to qualify for a mortgage.&raqu
at this point to qualify for a mortgage.»
Square is expected to grow EPS
at twice the
rate of Paypal Holdings Inc (NASDAQ: PYPL) over the same
time frame, according to
Credit Suisse.
The borrowers would benefit from Lending Club's lower
rates compared to the high interest and fees they were paying to banks on their
credit card bills;
at the same
time, investors would earn better interest
rates than on CDs from a bank.
At $ 3.3 bln, the
credit -
rating agency is paying a whopping 21
times EBITDA for financial - data publisher Bureau van Dijk.
Each account will contain investment - grade taxable bonds
rated BBB − or higher
at time of purchase.2 The investment team will seek to maintain an overall portfolio
credit rating average of A −.2 Please be aware that lower
rated bonds do carry additional risk compared to higher
rated bonds.
The displayed
rates and APRs assume a loan amount of $ 260,000, an owner occupied single family detached home located in Pennsylvania, first
time usage of VA eligibility, a loan - to - value ratio of less than 80 %, a
credit score of
at least 740, and a debt - to - income ratio of less than 50 %.
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.
At the same
time, rising
rates depress bond prices and may be especially tough for
credit - sensitive bonds, because higher
rates increase the cost of capital.
At the same
time, inflation and overheating became a concern due to the high
rate of economic and
credit growth.
At the
time of writing, those with very good or excellent
credit could find their
rate starting with a 5 (5.
Quicken isn't your only online mortgage option in Maryland: if you aren't a first -
time buyer, we found J.G. Wentworth to be the best online mortgage lender in the state, with lower
rates and APRs for mortgages
at the same loan amount and
credit score.
For example, a cash - out refinance may be limited to a lower loan size as compared to a
rate - and - term refinance; or, may require higher
credit scores
at the
time of application.
When I bought my home a decade ago, my high
credit and low debt levels meant that I still qualified for the best available interest
rate at the
time, even though I got an FHA loan with a small down payment.
As illustrated by the next chart, the year - over-year
rate of growth in commercial bank
credit was slightly above 8 %
at around the
time of the Presidential election in late - 2016 and is now about 3 %.
The current gap between the 10 - year Treasury note and
credit card interest
rates is huge — around 1,300 basis points (
at the
time of this article).
He has experience with
credit,
rates, volatility, FX and alternative products through his
time at Salomon Brothers / Citigroup (1992 - 2006) and Barclays Global Investors (BGI) / BlackRock (2006 - 2011).
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.
At the same
time, we are neutral on U.S.
credit amid tight spreads and increasing sensitivity to
rate rises, and prefer up - in - quality exposures.
Rate, taxes, applicable dates, advance deposit,
credit guarantee and reservation cancellation policies may vary by hotel; please inquire
at time of reservation.
confirms that walcott and ox can not deliver for us so would still like to see an attacking option brought in... campbell has done himself
credit and his work
rate is impressive but he still seems raw
at times..
This is an entirely sensible idea — I recall suggesting it myself — but it could involve requiring banks to hold more capital, which will constrain the availability and the price of
credit and directly increase mortgage
rates at a
time that might be politically inconvenient.
At the same
time, it affirmed the A-2 short - term corporate
credit rating.
«By signing up to cutting the top
rate of tax, he's giving thousands of pounds to the very rich, while
at the same
time cutting tax
credits for people struggling to make ends meet.
He added that businesses already servicing
credit facilities
at the
time of the
rate cut may not benefit from the lower interest, rather, those that that go in for new facilities would benefit.
At the same
time we are dealing with the budget, the County Executive has asked us to consider a complex proposal that would enable Erie County Medical Center to borrow millions of dollars utilizing the county's higher
credit rating to make needed capital improvements, including construction of a new operating room.
At the same
time, Erie County's
credit rating has risen significantly under his watch while the county has continued to invest millions of dollars in infrastructure improvements, county parks, libraries, and arts organizations; made advances in public health; and supported innovative programs to reduce poverty, among many other achievements.
On Friday, Astorino will unveil a proposed capital budget for 2017 of more than $ 300 million, which comes
at a
time when Westchester can take advantage of historically low interest
rates and the best
credit rating of any county in the state.
At this
time the State Comptroller has completed his mandated review of the proposed budget and given his approval; Moody's has issued a positive outlook for our
credit rating also based upon the proposed budget.
NGC 1569 is pumping out stars
at a
rate that is 100
times faster than the
rate observed in our Milky Way Galaxy (
Credit:
Credit for Advanced Camera Data: NASA, ESA, A. Aloisi (STScI / ESA), J. Mack and A. Grocholski (STScI), M. Sirianni (STScI / ESA), R. van der Marel (STScI), L. Angeretti, D. Romano, and M. Tosi (INAF - OAB), and F. Annibali, L. Greggio, and E. Held (INAF - OAP)
Credit for Wide Field Planetary Camera 2 Data: NASA, ESA, P. Shopbell (California Institute of Technology), R. Dufour (Rice University), D. Walter (South Carolina State University, Orangeburg), and A. Wilson (University of Maryland, College Park)-RRB-
At the same
time, higher education institutions are aware that the price and term of borrowing is driven by their
credit worthiness and they therefore strive for a consistent operating performance to ensure that their
credit rating remains high.
Our students earned
credits at an 87 %
rate — more than 3
times the
rate they were achieving before attending the Academy
An eligible employee who is a member of the Florida Retirement System
at the
time of election to participate in the optional retirement program retains all retirement service
credit earned under the Florida Retirement System
at the
rate earned.
Increased use of online
credit recovery comes
at a
time school districts are under pressure by states and the federal government to raise graduation
rates, hovering nationally around 70 %, according to the Editorial Projects in Education Research Center.
Our research shows that when students achieve a 92 percent attendance
rate, earn 11 or more
credits and pass
at least one Regents exam in ninth grade, they are far more likely to graduate on
time and be ready for entry into a college or career path.
CALL NOW @ 540-300-4540 We have the vehicle that fits your needs and will help you establish your
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Just like
credit cards, the balance of your auto loan will gain interest over
time, but
at a much lower
rate than a
credit card.
;; Viewings can be arranged out with these
times by arranging an appointment...;; Extended warranties are available
at additional cost 3,6,12 and 24 months starting from only GBP 49...;; CALL US TODAY FOR COMPETITIVE FINANCE
RATES...;; ALL MAJOR DEBIT AND
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At Butch Davis Chevrolet you will never waste
time or get stressed out negotiating price or dealing with pushy commissioned sales people!FINANCING FOR FAIR, GOOD, AND EXCELLENT
CREDIT - We have lenders that offer low interest
rates.
Loyalty Discount Disclosure: You will be eligible for a 0.25 percentage point interest
rate reduction on an Education Refinance Loan if you have a qualifying account in existence with Citizens One or Citizens Bank
at the
time you and your co-signer (if applicable) have submitted a completed application authorizing us to review your
credit request for the Education Refinance Loan.
«
At the same
time, we can't ignore the ongoing headwinds of tight
credit, limited inventory, higher prices and higher mortgage interest
rates.
Quicken isn't your only online mortgage option in Maryland: if you aren't a first -
time buyer, we found J.G. Wentworth to be the best online mortgage lender in the state, with lower
rates and APRs for mortgages
at the same loan amount and
credit score.