Thanks to technology there's an ever increasing
amount of financial service companies competing for your business.
Not exact matches
Some
of the proceeds
of the IPO will go to repay outstanding debt Zipcar owes to
financial instutitutions, and «approximately $ 5.0 million to repay
amounts owing to certain former shareholders
of Streetcar» as well as a portion
of the net proceeds to invest in «
companies, technologies,
services or assets that complement our business.»
Important factors that could cause our actual results and
financial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our ability to successfully and profitably market our products and services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on For
financial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our ability to successfully and profitably market our products and
services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services; the acceptance
of our products and
services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services by patients and healthcare providers; our ability to meet demand for our products and
services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services; the willingness
of health insurance
companies and other payers to cover Cologuard and adequately reimburse us for our performance
of the Cologuard test; the
amount and nature
of competition from other cancer screening and diagnostic products and
services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services; the effects
of the adoption, modification or repeal
of any healthcare reform law, rule, order, interpretation or policy; the effects
of changes in pricing, coverage and reimbursement for our products and
services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services, including without limitation as a result
of the Protecting Access to Medicare Act
of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive
Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and
services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services; our ability to successfully develop new products and
services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis
of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on For
Financial Condition and Results
of Operations sections
of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form 10 - Q.
[xix] In April 2012, Treasury Under Secretary for Domestic Finance Mary Miller told Secretary Geithner that she had met with officials from the Capital Group in Los Angeles (a
financial services company that manages the American Funds) who «indicated that it had done a fair
amount of work analyzing the sufficiency
of the PSPAs and thought that they provided «adequate protection» for investors.»
The GNC reviews the individual components and total
amount of director compensation at least annually and may recommend changes in director compensation to the Board for its approval more or less frequently based on, among other factors, competitive pay data for non-employee directors
of the
financial services companies in the
Company's Labor Market Peer Group.
Investments in SMART529 are not guaranteed or insured by the State
of West Virginia, the Board
of Trustees
of the West Virginia College Prepaid Tuition and Savings Program, the West Virginia State Treasurer's Office, Hartford Life Insurance
Company, The Hartford
Financial Services Group, Inc., the investment sub-advisors for the Underlying Funds or any depository institution and are subject to investment risks, including the loss
of the principal
amount invested, and may not be appropriate for all investors.
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.
In a nod to industry complaints, state
Financial Services Superintendent Ben Lawsky says his office will reduce by about one - third the
amount of reserves
companies must set aside for a basic type
of life - insurance policy.
I know that United's Mileage Plus and American's AAdvantage both offer a significant
amount of bonus miles for signing up for
financial services with
companies like Fidelity and TD Ameritrade.
Investments in CHET Advisor are not guaranteed or insured by the State
of Connecticut, the Connecticut Higher Education Trust Program, the Connecticut State Treasurer's Office, Hartford Life Insurance
Company, The Hartford
Financial Services Group, Inc., the investment sub-advisors for the Underlying Funds or any depository institution and are subject to investment risks, including the loss
of the principal
amount invested, and may not be appropriate for all investors.
Mortgage relief programs are primarily designed to assist homeowners who can not afford to make their mortgage payments due to
financial hardship; FHA guidelines for a proposed «short refinance» program may allow borrowers to qualify for an FHA refinance to a lower mortgage
amount but only if the mortgage lender and any second mortgage holders agree to write down their loan balances, So far, mortgage
servicing companies and mortgage investors (the owners
of mortgage loans) are reluctant to agree.
With a debt settlement solution provided by Golden
Financial Services; Get one monthly payment that accounts for all
of your unsecured debts — know how many payments you have left to become debt free — let us have the authority to speak on your behalf to the creditors so that you can live a peaceful life — pay less than the full
amount owed on each
of your debts — and work with a top rated
company that has more than 13 years experience with debt settlement solutions.
Currently, the bonds eligible for inclusion in the index include all investment grade bonds that are issued by U.S. and internationally domiciled
companies that are: fixed rate; have a minimum rating
of Baa3 / BBB - by both Moody's Investors
Service, Inc. («Moody's») and Standard and Poor's
Financial Services, LLC («S&P»); have a minimum face
amount outstanding
of $ 1 billion; and have at least five and a half (5.5) years until maturity.
In its
financial report, the
company outlined that while a traditional game and a live game (which means a game that's still being worked on to bring new features to players, either via online
services or DLC), might generate the same revenue in the first year
of their release, in their second years the live game will continue to generate a much higher
amount of revenue.
Recent assignments include: • General Counsel and
Company Secretary for a private insurance organisation • General Counsel for a main market listed financial services organisation • Head of Legal for an investment company • Group Company Secretary for a private insurance organisation • Assistant Company Secretary for a private insurance organisation • Legal Counsel for a private insurance organisation As a team we have spent a significant amount of time headhunting the best candidates in the market and our proactive approach ensures that we have relationships with the best candidates not just on the market but also with those in the
Company Secretary for a private insurance organisation • General Counsel for a main market listed
financial services organisation • Head
of Legal for an investment
company • Group Company Secretary for a private insurance organisation • Assistant Company Secretary for a private insurance organisation • Legal Counsel for a private insurance organisation As a team we have spent a significant amount of time headhunting the best candidates in the market and our proactive approach ensures that we have relationships with the best candidates not just on the market but also with those in the
company • Group
Company Secretary for a private insurance organisation • Assistant Company Secretary for a private insurance organisation • Legal Counsel for a private insurance organisation As a team we have spent a significant amount of time headhunting the best candidates in the market and our proactive approach ensures that we have relationships with the best candidates not just on the market but also with those in the
Company Secretary for a private insurance organisation • Assistant
Company Secretary for a private insurance organisation • Legal Counsel for a private insurance organisation As a team we have spent a significant amount of time headhunting the best candidates in the market and our proactive approach ensures that we have relationships with the best candidates not just on the market but also with those in the
Company Secretary for a private insurance organisation • Legal Counsel for a private insurance organisation As a team we have spent a significant
amount of time headhunting the best candidates in the market and our proactive approach ensures that we have relationships with the best candidates not just on the market but also with those in the market.
Ideally, a consumer would like to receive several things from his or her insurance
company - the consumer's desired
amount of coverage, a competitive price, and the
financial stability
of being a state approved carrier, as well as an outstanding reputation for customer
service.
First it makes sense to shop around for prices and compare not only dollar
amounts, but also the coverage offered, the customer
service record
of the
company and its
financial stability.