DEI Accelerator Last summer, we shared Promise54's
Unrealized Impact study on diversity, equity, and inclusion throughout the education sector.
Our strong hope is that this study inspires our colleagues within education organizations of all types to recognize diversity, equity, and inclusion as a source of
unrealized impact and commit to progress as an organizational imperative.
Not exact matches
Shareholders» equity of $ 22.979 billion decreased 3 % from year - end 2017 due to the
impact of higher interest rates on net
unrealized investment gains.
In the opinion of the Company's management, adjusted book value per share is useful in an analysis of a property casualty company's book value per share as it removes the effect of changing prices on invested assets (i.e., net
unrealized investment gains (losses), net of tax), which do not have an equivalent
impact on unpaid claims and claim adjustment expense reserves.
Debt - to - capital ratio excluding net
unrealized gain on investments, net of tax, included in shareholders» equity, is the ratio of debt to total capitalization excluding the after - tax
impact of net
unrealized investment gains and losses included in shareholders» equity.
Some of these measures exclude net realized investment gains (losses), net of tax, and / or net
unrealized investment gains (losses), net of tax, included in shareholders» equity, which can be significantly
impacted by both discretionary and other economic factors and are not necessarily indicative of operating trends.
Mark - to - market
impacts from commodity and currency derivative contracts The company excludes
unrealized gains and losses (mark - to - market
impacts) from outstanding commodity and forecasted currency transaction derivatives from its non-GAAP earnings measures until such time that the related exposures
impact its operating results.
Adjusted EPS is defined as diluted earnings per share excluding, when they occur, the
impacts of integration and restructuring expenses, merger costs,
unrealized losses / (gains) on commodity hedges, impairment losses, losses / (gains) on the sale of a business, nonmonetary currency devaluation and timing
impacts of preferred stock dividends.
Adjusted EBITDA is defined as net income / (loss) from continuing operations before interest expense, other expense / (income), net, provision for / (benefit from) income taxes; in addition to these adjustments, the Company excludes, when they occur, the
impacts of depreciation and amortization (excluding integration and restructuring expenses)(including amortization of postretirement benefit plans prior service credits), integration and restructuring expenses, merger costs,
unrealized losses / (gains) on commodity hedges, impairment losses, losses / (gains) on the sale of a business, nonmonetary currency devaluation (e.g., remeasurement gains and losses), and equity award compensation expense (excluding integration and restructuring expenses).
Adjusted EPS is defined as diluted earnings per share excluding, when they occur, the
impacts of integration and restructuring expenses, merger costs,
unrealized losses / (gains) on commodity hedges, impairment losses, losses / (gains) on the sale of a business, and nonmonetary currency devaluation (e.g., remeasurement gains and losses), and including when they occur, adjustments to reflect preferred stock dividend payments on an accrual basis.
Adjusted EPS is defined as diluted earnings per share excluding, when they occur, the
impacts of integration and restructuring expenses, merger costs,
unrealized losses / (gains) on commodity hedges, impairment losses, losses / (gains) on the sale of a business, nonmonetary currency devaluation (e.g., remeasurement gains and losses), and U.S. Tax Reform, and including when they occur, adjustments to reflect preferred stock dividend payments on an accrual basis.
- retirement savings and income - Pre-59 1/2 72t Calculations (avoiding penalty tax)- college savings and 529 plan illustrations - college cost and tuition data - Coverdell education savings - risk profile questionnaires and quizes - model portfolio illustrations - asset allocation and portfolio optimization - portfolio management and value tracking - 401 (k) retirement savings - Cost of waiting to save - Effect of Taxes and Inflation - Estate Tax Estimator - Finding Money for your savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance -
Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net
Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth 401k - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calculations
- retirement savings and income - Pre-59 1/2 72t Calculations (avoiding penalty tax)- college savings and 529 plan illustrations - college cost and tuition data - Coverdell education savings - risk profile questionnaires and quizes - model portfolio illustrations - asset allocation and portfolio optimization - portfolio management and value tracking - 401 (k) retirement savings - Cost of waiting to save - Effect of Taxes and Inflation - Estate Tax Estimator - Finding Money for your savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance -
Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net
Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calculations
When investors needlessly reallocate assets, they deprive themselves of the primary means to mitigate the return
impact of taxation: deferring taxes on capital gains that, left
unrealized, might have continued to grow on a pre-tax basis.
So highly appreciated assets with large
unrealized capital gains that are transferred at death can be sold by the beneficiaries shortly afterwards with minimal income tax
impact.
This assumes that all
impacts to book value run through earnings which is not the case given Berkshire's large balance of
unrealized capital gains which are not recognized in earnings each year but flow into book value.
Most insurers invest entirely in fixed income, so investors almost always look at returns based on net income excluding changes in comprehensive income (where the
impact of the equity portfolio shows up) over equity ecxluding AOCI (
unrealized gains / losses).
That loss, as well as shock, grief, and coming to grips with an endless horizon of hopes and dreams
unrealized going up in a horrifying puff of smoke has a huge
impact on both family and friends alike.
I hesitate to call it post-normal science because of all the other baggage that comes with the definition, but it is a relatively new phenomenon that has
impacted more traditional science, and still has much
unrealized potential.
The large
unrealized profits of many investors in Japan are expected to
impact consumer spending significantly.