Bonds and bond funds are fixed - income investments, but their duration, combined
with changes to interest rates, can lead to price fluctuations.
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.
Needless
to say,
with no clear indication that
interest rates will
change any time soon, everyday Canadians are banking on the fact that they're right.
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.
The wording
change is in line
with what the Fed committee said in the run - up
to raising
rates in 2004 following a period of low
interest rates.
Actual results could differ materially from those expressed in or implied by the forward - looking statements contained in this release because of a variety of factors, including conditions
to, or
changes in the timing of, proposed real estate and other transactions, prevailing
interest rates and non-recurring charges, store closings, competitive pressures from specialty stores, general merchandise stores, off - price and discount stores, manufacturers» outlets, the Internet, mail - order catalogs and television shopping and general consumer spending levels, including the impact of the availability and level of consumer debt, the effect of weather and other factors identified in documents filed by the company
with the Securities and Exchange Commission.
Securities
with longer durations are more sensitive
to changes in
interest rates than securities of shorter durations.
Indeed, in a classic paper written in the early 1960s, Mundell (Mundell, 1963) showed how, in a world of complete asset substitutability and perfect capital mobility, real
interest rates would be largely determined by international market forces
with the exchange
rate moving in response
to changes in domestic monetary policy
to provide most of the desired accommodation or tightening.
A number of operational features were required
to implement such an overnight reverse repo, or ON RRP, facility: It would need same - day settlement; 16 the operation would need
to be run predictably, every day, and as late in the day as possible,
to give lenders time
to bargain
with other counterparties using the outside option of investing
with the Federal Reserve; 17 an appropriate spread below IOR would be required
to ensure that the facility neither induced large
changes in the structure of money markets nor lost the ability
to support
interest rate control; 18 and the operations would need enough unused capacity that lenders could credibly propose
to leave borrowers that did not offer an adequate
interest rate.19
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.
Knowing when your
interest rate will adjust can make the
rate changes easier
to deal
with.
As these bonds move toward maturity, the fund's overall
interest rate sensitivity gradually declines since bonds
with shorter maturities tend
to be less sensitive
to interest rate changes.
A bond fund
with a longer average maturity will see its net asset value (NAV) react more dramatically
to changes in
interest rates as the prices of the underlying bonds in the portfolio increase or decline.
By the time I published my latest (July 17) blog entry Beijing had managed
to stop the panic
with the use of what I called «brute force», by which I meant that there was never likely
to be much impact from
interest rate moves, regulatory
changes, margin relaxation, and so on.
Typically, bonds
with a longer duration pay higher
interest but are more sensitive
to interest rate changes.
Tyler Mathisen sits down
with Walt Bettinger, CEO of Charles Schwab
to discuss whether investors are well positioned for
changing interest rates.
That said, people
with higher incomes and higher net worth tend
to be sensitive
to the impact of
interest rates changes on asset prices.
For example, people
with lower incomes are likely
to be sensitive
to interest rate changes because of the potential effects on their employment income and their debt - service costs.
Check out the loan refinance calculator below
to see how your monthly payments can
change with different
interest rates and loan duration:
You might be willing
to put up
with the occasional fee if you have a big chunk of
change in your savings account and that tasty
interest rate makes it worth your while.
These risks and uncertainties include food safety and food - borne illness concerns; litigation; unfavorable publicity; federal, state and local regulation of our business including health care reform, labor and insurance costs; technology failures; failure
to execute a business continuity plan following a disaster; health concerns including virus outbreaks; the intensely competitive nature of the restaurant industry; factors impacting our ability
to drive sales growth; the impact of indebtedness we incurred in the RARE acquisition; our plans
to expand our newer brands like Bahama Breeze and Seasons 52; our ability
to successfully integrate Eddie V's restaurant operations; a lack of suitable new restaurant locations; higher - than - anticipated costs
to open, close or remodel restaurants; increased advertising and marketing costs; a failure
to develop and recruit effective leaders; the price and availability of key food products and utilities; shortages or interruptions in the delivery of food and other products; volatility in the market value of derivatives; general macroeconomic factors, including unemployment and
interest rates; disruptions in the financial markets; risk of doing business
with franchisees and vendors in foreign markets; failure
to protect our service marks or other intellectual property; a possible impairment in the carrying value of our goodwill or other intangible assets; a failure of our internal controls over financial reporting or
changes in accounting standards; and other factors and uncertainties discussed from time
to time in reports filed by Darden
with the Securities and Exchange Commission.
In October 2013, Desert Newco increased the size of the term loan by $ 100 million
with no
change to the applicable
interest rates.
This is commonly called a teaser
rate or an introductory
rate, and the difference between what you get going in and what it
changes to can be drastic,
with your
interest payments at times being cut nearly in half.
The ECB's monetary policy in September was a non-event,
with the governing council neither making any
changes to the existing policy nor adding new ones as they voted
to leave
interest rates and non-monetary policies on hold.
Yet, even
with all increasing red flags that suggest that assets held within the global banking system could be devalued, frozen, or seized, or all of the aforementioned, including warnings of possible negative
interest rates applied
to commercial and corporate bank accounts in the near future from big global banks like the Royal Bank of Scotland, most of us go about our daily lives without giving a second thought about taking preventive actions
to prevent such mind - blowing and negatively impacting life -
changing events from happening.
by Yesterday the Bank of England cut its main
interest rate from 0.5 %
to 0.25 % for the first time, marking its first
interest rate change since March 2009, and provided all of us
with more reasons
to keep converting fiat currencies into physical gold and physical silver.
The
changes in
interest rates affect economic activity and inflation
with much longer lags, because it takes time for individuals and businesses
to adjust their behaviour.
Businesses
with less free cash on their balance sheets and higher debt levels would be expected
to be more sensitive
to absolute
rates and / or
interest rate changes than others.
Securities
with longer durations generally tend
to be more sensitive
to interest rate changes than securities
with shorter durations.
Businesses all over the world try
to reduce risk that is connected
with changes in currency values, stock prices, and
interest rates.
«Yes I agree
with all that, and we welcomed the
change in fiscal policy because it meant we could keep forecast inflation on target without having
to cut
interest rates, which we would otherwise have done.
Other risks and uncertainties relate
to NXRT's business, its industry and its common shares and include: investment risk;
changes in
interest rates; risks associated
with investing in high multifamily properties; risks associated
with NXRT's use of leverage; and market risks generally.
Investors feel encouraged
to invest in economies
with stable
interest rate policies and it is
to Canada's benefit not
to change interest rates too much or too often.
Thank you Stephani I agree resting between bursts is very Important (normalize heart
rate) I am now experimenting
with HIIT (Intense) training and cardio (moderate) and I am getting
Interesting results although my cardio capacity has increased my cardio Endurance has Increased significantly on the Ketogenic diet meaning that my lung capacity has Increased somewhat and the ability for my heart
rate to normalize has improved but my ability
to keep going and still recover has
changed dramatically than from burning carbs.
For that theory of
change to work, a school's
rating must trigger market response: A school of education that receives a high
rating should see more students apply as well as more districts
interested in partnering
with the school and hiring its graduates.
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.
Therefore, make sure
to continually check the
interest rates for the loan products you are
interested in as they will
change along
with the
interest rate markets themselves.
With an adjustable -
rate mortgage (ARM), the
interest rate changes periodically, typically in relation
to an index.
Here's how I would recommend someone could
change their finances
to deal
with a rise in
interest rates.
Even better, you could
change to a fixed, high stock allocation (80 % stocks and 20 % TIPS at a 2 %
interest rate with rebalancing) when P / E10 falls to 8.7 and increase your 30 - year Safe Withdrawal Rate to 8.
rate with rebalancing) when P / E10 falls
to 8.7 and increase your 30 - year Safe Withdrawal
Rate to 8.
Rate to 8.4 %.
The active investment approach combines top - down analysis
to respond
to interest rate changes with bottom - up research focusing on security structure and credit
ratings
However
with universal life the
interest rate earned on the cash value is subject
to change, whereas it is fixed
with whole life insurance.
If paying a little more stretches out your budget, it is advisable
to not make any
changes on the EMI of your loan since the tenure of your loan will automatically reduce
with the reduction in
interest rate.
The present value of the bond will fluctuate widely
with changes in prevailing
interest rates since there are no regular
interest payments
to stabilize the value.
Because bonds
with longer maturities have a greater level of risk due
to changes in
interest rates, they generally offer higher yields so they're more attractive
to potential buyers.
One of the oldest tricks in the game is
to offer a high current yield, where the yield can get curtailed through early prepayment (typically in low
interest rate environments), or some negative event that forces the security
to change its form, such as when a stock price falls
with reverse convertibles.
However, the Bank of Canada is not expected
to follow suit
with any
changes to its key
interest rate target any time soon.
Note that
with a loan, there is a (potentially
changing) outstanding loan balance, that could be paid
to end the loan (
to pay off the loan), and there is an agreed upon an
interest rate that is computed on the outstanding balance — none of those apply
to this situation; further
with a loan there is no % of the property: though the property may be used
to secure the loan, that isn't ownership.
The majority of variable
interest rates are subject
to change in coordination
with the Prime
Rate, which is 3 percentage points above the federal funds rate — set by the Federal Reserve B
Rate, which is 3 percentage points above the federal funds
rate — set by the Federal Reserve B
rate — set by the Federal Reserve Bank.