When we started our company, we wanted our products to be durable enough to last for years to come, but flexible enough to stay fresh and grow
with changing interests...
Noting the challenges many baking companies, including Aunt Millie's, are experiencing in pursuit of growth in the bread category, Ms. Dunning said success moving forward will depend on introducing more new products that appeal to consumers
with changing interests.
Digital lenders haven't yet been through a credit cycle or dealt
with a changing interest rate environment.
Uncertainty around the policy path of President - elect Trump, coupled
with a changing interest rate landscape and rising PBGC premiums create a challenging environment for plan sponsors.
Uncertainty around the policy path of President - elect Trump, coupled
with a changing interest rate landscape and rising PBGC premiums create a challenging environment for plan sponsors.
All we can do is avoid or reduce the risks we take when dealing
with changing interest rates.
Eliminating Credit Card Debt At first, credit card debt can seem like a minor blip, until it begins to build
with changing interest rates, hidden fees, and billing procedures that make your credit card debts collect into a massive unmanageable heap.
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.
You can
change that around by rewarding your exceptional employees
with time during the workday to learn any new skills that
interests them.
It's here where things get
interesting: Like businesses, campaigns will often
change in reference to technology and tactics, and innovation will carve out new ways for the candidates to connect
with their «customers» — the voters.
In addition to the design
changes and features for making money, Medium is also taking another
interesting step — it is making it easy for publishers to adapt their content so that it works
with Facebook's Instant Articles and Google's Accelerated Mobile Pages standard.
Brimmer: I think the future of agencies is in serious crisis right now, and I think just kind of seeing a little bit of what's happening
with WPP and Martin Sorrell recently and the way that that model has
changed — is really going to be
interesting to watch how things unfold over the coming years.
He never imagined he'd be there for life or ever become CEO («I'm not sure I knew what a CEO was then,» he says), but his outlook
changed with each new
interesting opportunity.
With the RBA hinting at sub-trend growth, there's little chance of a
change in
interest rates in the near term.
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.
Here, data informs every decision,
with inventory continually
changing, based on a product's past performance and user
interest.
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.
Though some Republicans, like Senate Majority Leader Mitch McConnell and former Secretary of State Condoleezza Rice, were quick to praise Tillerson's international business experience working
with foreign governments, Tillerson's nomination was met
with deep skepticism from both parties over his embodiment of the most contentious 2016 campaign issues: Trump's closeness
with Russia, climate
change skepticism, and potential business conflicts of
interest.
That appears to be the thinking behind a field garnering a lot of
interest in the U.S., and one which the president of the Investor Education Fund in Toronto says reflects the fact that younger generations are
changing the way they interact
with every market place.
It's Microsoft's most important franchise for the Xbox, and even though it's
changed hands from Bungie to Microsoft - owned 343 Industries, the development team has twice shown us it's capable of Master Chief's mantle: first in 2012
with «Halo 4,» and this year
with «The Master Chief Collection,» which remastered and remixed the first four major titles
with new graphics and
interesting gameplay additions like playlists.
The National Association of Real Estate Investment Trusts («NAREIT») defines funds from operations («NAREIT FFO») as net income / (loss) attributable to common shareholders computed in accordance
with generally accepted accounting principles in the United States («GAAP»), excluding gains or losses from sales of operating real estate assets and
change in control of
interests, plus (i) depreciation and amortization of operating properties and (ii) impairment of depreciable real estate and in substance real estate equity investments and (iii) after adjustments for unconsolidated partnerships and joint ventures calculated to reflect NAREIT FFO on the same basis.
ChangEd is a new app that says it can take six years off your repayment term and save you $ 14,000 in
interest costs — all
with a bit of spare
change.
The prospect was
interested, given that the company was struggling
with a large
change program itself, so my call had a come at a great time.
«This Petrov probe could
change the narrative of Putin in the West — from being a Stalinist tyrant defending the
interests of his country to being a product of gangster Petersburg who united authorities
with organized crime,» Stanislav Belkovsky, a Kremlin adviser during Putin's first term who consults at Moscow's Institute for National Strategy, told Bloomberg.
This statement illustrates the
interesting challenge Khosrowshahi is faced
with: As a newcomer to the company, he's tasked
with instituting monumental
change.
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.
They've said his connections to Morneau Shepell could mean he's not approaching a significant
change in drug coverage in Canada
with an exclusive focus on evidence and the public's
interest.
Garry Mathiason, a longtime litigator at the labor and employment law firm Littler Mendelson, can remember a key moment that cemented his
interest in how fast -
changing technologies intersect
with law.
«So really nothing has
changed... They are still
interested in having conversations
with the government,» he said.
It would signal that the United States has no
interest in cooperating
with other nations on climate
change,» said Alden Meyer, of the Union of Concerned Scientists.
Bogle sees some positive
changes in investment managers voting on behalf of their clients»
interests, but it is «moving
with glacial speed,» he told me, because fund managers «don't like controversy.»
With a younger company, we'd be
interested in how the company has
changed its business plan in the last 12 to 18 months to respond to toughening conditions.»
I keep the format of my meals at home consistent (a grilled protein
with some steamed seasonal vegetables and a vinaigrette), while
changing out the base ingredients to keep things
interesting.
For startups, it's more
interesting and far more valuable to look at the risks and consequences of the kinds of
changes that are much harder to see — even
with Superman's X-ray vision and a crystal ball — because they're outside of the traditional scope of inquiry and investigation.
If the material were to be presented in a manner which melded training
with causes that truly
interest students like Global Warming, species extinction, and catastrophic weather
changes, it is more likely that they will be able to find time outside of school to learn more of the necessary techniques.
And, if she happens to be like her dad, and her career
interests change with the wind, we'll just hit the road for some more pint - sized networking.
Variable
interest rates range from 3.80 % -11.90 % (3.80 % -11.80 % APR) and will fluctuate over the term of the loan
with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer.
Nothing has
changed with the way that you can deduct student loan
interest paid.
[4] Said another way, replacing a traditional corporate
interest recorded in a central ledger
with an enterprise
interest recorded through a blockchain entry on a distributed ledger may
change the form of the transaction, but it does not
change the substance.
Variable
interest rates range from 2.90 % -8.00 % (2.90 % -8.00 % APR) and will fluctuate over the term of the borrower's loan
with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer.
The
interest rate for the loan will be adjusted
with each
change in the Wells Fargo Prime Rate.
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.
Major indexes are little
changed as banks fall along
with interest rates and weak first - quarter results hit several health care companies.
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.
Let me remind you that monetary policy operates
with a long lag and there are many transmission channels through which
interest rate
changes affect the economy, including longer - term bond yields and the exchange rate.
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.
With a fixed - rate mortgage your
interest rate doesn't
change over the life of the loan.