Term insurance needs to be looked
at as a financial product, rather than an extravagant purchase.
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.
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.
She has also served
as chief operating officer and chief
financial officer
at Nest, and senior vice president of
product operations
at Cisco.
«Just
as financial institutions in California were
at the forefront of the development of oenological
financial products,» he writes, «so should the Canadian
financial sector develop specialty
products designed for the country's energy and natural resources industries.»
For example, an NEO's RSUs could be forfeited, and Shares
at Risk recaptured, if during 2010 that NEO participated in the marketing of any
product or service without appropriate consideration of the risk to our firm or the broader
financial system
as a whole.
Miners have been selling their
product at record profits for most of this year,
as their
financials will eventually reveal.
At Bear, Stearns & Co., Mr. Abbott served
as a Vice President in
Financial Analytics & Structured Transactions (F.A.S.T) where he structured and reverse engineered complex CDO transactions, secured by a wide range of debt
products, including high yield bonds, senior secured leverage loans, trust preferred bank loans, RMBS
as well
as other esoteric receivables.
Mortgages are one of the biggest and most complex
financial products you'll deal with
as a consumer, and many borrowers find it important to have an option for in - person service
at their local bank or lender.
Prior to Avanti, Mr. Scal served
as Executive Vice President and a member of the board of directors of CamelBak
Products LLC, an outdoor equipment company, Senior Vice President at Kransco Partners LLP, a private equity firm, Director of Business Development at Kransco Group Companies, a toy company, Director of Development at Visa International, a financial services company, Product Manager at General Mills, a food products company, and as an analyst at Cambridge Ass
Products LLC, an outdoor equipment company, Senior Vice President
at Kransco Partners LLP, a private equity firm, Director of Business Development
at Kransco Group Companies, a toy company, Director of Development
at Visa International, a
financial services company,
Product Manager
at General Mills, a food
products company, and as an analyst at Cambridge Ass
products company, and
as an analyst
at Cambridge Associates.
As a corporate accountant and
financial analyst for nearly a decade, I spent my workdays looking into the details of
products at multibillion dollar companies.
Prior to joining us, Mr. Ahuja served in various positions
at Ford Motor Company from August 1993 to July 2008, most recently
as the Vehicle Line Controller of Small Cars
Product Development from July 2006 to July 2008, and
as Chief
Financial Officer for Ford of Southern Africa from February 2003 to June 2006.
Given the absence of a public trading market of our common stock, and in accordance with the American Institute of Certified Public Accountants Accounting and Valuation Guide, Valuation of Privately - Held Company Equity Securities Issued
as Compensation, our board of directors exercised reasonable judgment and considered numerous and subjective factors to determine the best estimate of fair value of our common stock, including independent third - party valuations of our common stock; the prices
at which we sold shares of our convertible preferred stock to outside investors in arms - length transactions; the rights, preferences, and privileges of our convertible preferred stock relative to those of our common stock; our operating results,
financial position, and capital resources; current business conditions and projections; the lack of marketability of our common stock; the hiring of key personnel and the experience of our management; the introduction of new
products; our stage of development and material risks related to our business; the fact that the option grants involve illiquid securities in a private company; the likelihood of achieving a liquidity event, such
as an initial public offering or a sale of our company given the prevailing market conditions and the nature and history of our business; industry trends and competitive environment; trends in consumer spending, including consumer confidence; and overall economic indicators, including gross domestic
product, employment, inflation and interest rates, and the general economic outlook.
Many factors could cause BlackBerry's actual results, performance or achievements to differ materially from those expressed or implied by the forward - looking statements, including, without limitation: BlackBerry's ability to enhance its current
products and services, or develop new
products and services in a timely manner or
at competitive prices, including risks related to new
product introductions; risks related to BlackBerry's ability to mitigate the impact of the anticipated decline in BlackBerry's infrastructure access fees on its consolidated revenue by developing an integrated services and software offering; intense competition, rapid change and significant strategic alliances within BlackBerry's industry; BlackBerry's reliance on carrier partners and distributors; risks associated with BlackBerry's foreign operations, including risks related to recent political and economic developments in Venezuela and the impact of foreign currency restrictions; risks relating to network disruptions and other business interruptions, including costs, potential liabilities, lost revenues and reputational damage associated with service interruptions; risks related to BlackBerry's ability to implement and to realize the anticipated benefits of its CORE program; BlackBerry's ability to maintain or increase its cash balance; security risks; BlackBerry's ability to attract and retain key personnel; risks related to intellectual property rights; BlackBerry's ability to expand and manage BlackBerry ® World ™; risks related to the collection, storage, transmission, use and disclosure of confidential and personal information; BlackBerry's ability to manage inventory and asset risk; BlackBerry's reliance on suppliers of functional components for its
products and risks relating to its supply chain; BlackBerry's ability to obtain rights to use software or components supplied by third parties; BlackBerry's ability to successfully maintain and enhance its brand; risks related to government regulations, including regulations relating to encryption technology; BlackBerry's ability to continue to adapt to recent board and management changes and headcount reductions; reliance on strategic alliances with third - party network infrastructure developers, software platform vendors and service platform vendors; BlackBerry's reliance on third - party manufacturers; potential defects and vulnerabilities in BlackBerry's
products; risks related to litigation, including litigation claims arising from BlackBerry's practice of providing forward - looking guidance; potential charges relating to the impairment of intangible assets recorded on BlackBerry's balance sheet; risks
as a result of actions of activist shareholders; government regulation of wireless spectrum and radio frequencies; risks related to economic and geopolitical conditions; risks associated with acquisitions; foreign exchange risks; and difficulties in forecasting BlackBerry's
financial results given the rapid technological changes, evolving industry standards, intense competition and short
product life cycles that characterize the wireless communications industry.
Citing people familiar with the plans, The Wall Street Journal reported that senior engineer Hari Moorthy was hired to develop cash management tools, account deposit tools and other
financial products geared
at large companies, much
as he did in his former post
at JPMorgan.
HaloMoney is a comparison website for
financial products such
as insurance, broadband, banking and loans, aims
at empowering customers to take more control over their finances.
As a payments industry veteran, Bruce has significant experience leading
product and risk organizations
at leading
Financial Services companies, including Wells Fargo, i2,
Financial Settlement Matrix and First Data.
At the Natural Products Business School at Expo East 2017, we'll explore impact investment, boost your financial acumen and discover the transformative power of business as a force for goo
At the Natural
Products Business School
at Expo East 2017, we'll explore impact investment, boost your financial acumen and discover the transformative power of business as a force for goo
at Expo East 2017, we'll explore impact investment, boost your
financial acumen and discover the transformative power of business
as a force for good.
I / we agree that if any material change (s) occur (s) in my / our
financial condition that I / we will immediately notify BSHFC of said change (s) and unless Baby Safe Homes Franchise Corporation is so notified it may continue to rely upon the application and
financial statement and the representations made herein
as a true and accurate statement of my / our
financial condition.nI / we authorize Baby Safe Homes Franchise Corporation to make whatever credit inquiries / background checks it deems necessary in connection with this application and
financial statement.nI / we authorize and instruct any person or consumer reporting agency to furnish to BSHFC any information that it may have to obtain in response to such credit inquiries.nIn consideration of the ongoing association between Baby Safe Homes and the undersigned applicant (hereinafter u201cApplicantu201d), the parties hereto have entered into this Non-Disclosure and Non-Competition Agreement.nWHEREAS, in the course of its business operations, Baby Safe Homes provides its customers
products and services which, by nature of the business, include trade secrets, confidential and proprietary information, and other matters deemed material or important enough to warrant protection; and WHEREAS, Applicant, by reason of his / her interest in Baby Safe Homes and in the course of his / her duties, has access to said secrets and confidential information; and WHEREAS, Baby Safe Homes has trade secrets and other confidential and proprietary information, including procedures, customer lists, and particular desires or needs of such customers to which Applicant has access in the course of his / her duties
as an Applicant.nNow, therefore, in consideration of the premises contained herein, the parties agree
as follows Applicant shall not, either during the time of his / her franchise evaluation with Baby Safe Homes or
at any time thereafter either directly or indirectly, communicate, disclose, reveal, or otherwise use for his / her own benefit or the benefit of any other person or entity, any trade secrets or other confidential or proprietary information obtained by Employee by virtue of his / her employment with Baby Safe Homes, in any manner whatsoever, any such information of any kind, nature, or description concerning any matters affecting or relating to the Baby Safe Homes business, or in the business of any of its customers or prospective customers, except
as required in the course of his / her employment by Baby Safe Homes or except
as expressly authorized Baby Safe Homes Franchise Corporation, in writing.nDuring any period of evaluation with Baby Safe Homes, and for two (2) years thereafter, Applicant shall not, directly or indirectly, induce or influence, divert or take away, or attempt to divert or take away and, during the stated period following termination of employment, call upon or solicit, or attempt to call upon or solicit, any of the customers or patrons Baby Safe Homes including, but not limited to, those upon whom he / she was directly involved, or called upon, or catered to, or with whom became acquainted while engaged in the franchise evaluation process of a Baby Safe Homes franchise business.
«
As the payment industry expands, efforts by fintechs should be directed
at innovative
financial products that provide efficiency gains and cost savings compared with the traditional payment methods.
In addition, the finance industry has identified older adults
as an untapped market, which can lead to them being overwhelmed by the «dizzying array of
financial products and services,» according to Han and co-author Mark Lachs, MD, MPH, professor of medicine and co-chief of geriatrics and gerontology
at Weill Medical College in New York.
«
As China becomes the main growth driver of the global luxury market, we are confident that Fosun can bring great incremental value to Lanvin with our global resources and expertise, while being absolutely committed to Lanvin's high luxury positioning and its exceptional quality of
products manufactured in France and Italy,» Joann Cheng, vice chief
financial officer of Fosun International and executive president of Fosun Fashion Group, said in a statement
at the time of the acquisition.
Jaguar Land Rover (JLR) India today announced its plan for the 2018 - 19
financial year and has promised
at least ten new
product actions, which will include both
product launches,
as well
as model updates.
As Dimitri Volkmann, vice president for
products and markets
at Good Technology puts it, «We are seeing rapid adoption of tablets across a lot of highly regulated sectors — from public utilities to
financial services, banking and healthcare.»
I believe that
at the time these Giant E-readers came out, the world wasn't ready, And the
products were marketed quite badly and to the wrong audience maybe... For anyone taking on a re-launch of Giant E-readers, Marketing research is the Magic word: Not Just education, but think of Music Academies, Orchestras and even Conductors... I believe there is a Market out there for Giant E-readers in the World of Musicians; Scores, Conductor scores,
as well
as Other education areas, But be More Specific in Where the Giant E-reader comes in on it's Own... I don't think for a Moment that Giant E-readers are History just yet, And another thing; maybe if the cost of a Giant E-reader puts potential buyers off, Sell it through an independant Online Retailer that has the right Customer - service and
financial back - up, So they could sell on a Pay - Monthly plan of some sort.....
«The surge in non-iPad shipments in the fourth quarter was achieved
at considerable
financial cost, with sharp price reductions across most of the competing Android tablets and actual
product giveaways from a number of vendors
as part of promotional efforts for other electronic
products,» Alexander noted.
About one in 10 U.S. households use a prepaid debit card, with half of those households considered to be either unbanked or underbanked — the latter being defined
as having one account
at a
financial institution but also using alternative
financial products.
From my experience
as someone who analyzes various software solutions in the
financial space, I've noted that everyone is
at a different position with their finances and may want to determine which
product / service works out best for their specific needs.
Privacy: The information provided to the sponsor will be used to communicate with entrants regarding this Sweepstakes and, unless the participant has opted out,
as set forth in these Official Rules, the sponsor may contact participants
at a later date with respect to
products or
financial tips which the sponsor believes may be of interest to them.
As your credit union we understand the importance of good
financial advice, paired up with competitive
financial products and services that allow you to put into practice what you have learned
at our workshops.
Of course,
as with all
financial products, it is necessary to meet basic criteria (aged over 18, US citizen and reliable source of income), but most lenders will also insist that the applicant have held their current full - time job for
at least 6 months prior to submission.
By exploring concepts such
as relativity (our tendency to value items by comparing them to similar items), pre-paying for activities and
products such
as subscriptions (in order to avoid the pain of paying), and loss aversion (our strong desire to avoid losing
at all costs), Ariely details our brain's natural aversion to making wise
financial decisions.
As with many
financial products, reverse mortgage loans can be complicated to understand
at first, so there may be a number of misconceptions about how the
product works.
Randall has over 20 years» experience in
financial markets
at leading
financial organizations in Canada, initially
as a trader and progressing to managing a wide variety of public fixed income strategies and investment
products.
Still, just like all
financial products, it is important to get a debt consolidation loan
at the best possible terms so
as to maximize the benefits it offers.
His conclusion is that tontine annuities should be added to the «approved and endorsed» menu of
financial and insurance
products available to de-accumulate wealth
at retirement; in addition to stocks, bonds, cash, real estate, long - term care policies and even conventional annuities, so long
as the insurance companies don't charge too much for the guaranteed.
The typical annualized percentage yield (APY) for interest checking accounts start
at 0.01 %, which is very low compared to yields among other
financial products, such
as savings or investment accounts.
As rate shopper looking for a BC Home Equity Loans (this does not apply to Home Equity LOC's to 65 % LTV
at a bank or
financial institution) you are dealing with a
product that means for one reason or another you do not qualify under conventional mortgage criteria.
Mary Johnson, director of
Financial Literacy and Student Aid Policy at financial services company Higher One, shared Collins» sentiment, adding students need more experience with practical matters, such as deciphering the fine print of their financial products like student loans or cell phone c
Financial Literacy and Student Aid Policy
at financial services company Higher One, shared Collins» sentiment, adding students need more experience with practical matters, such as deciphering the fine print of their financial products like student loans or cell phone c
financial services company Higher One, shared Collins» sentiment, adding students need more experience with practical matters, such
as deciphering the fine print of their
financial products like student loans or cell phone c
financial products like student loans or cell phone contracts.
Business Customers — If the Yorkshire Bank could crack the business bank account market place then we think they would become a much more prominent banking institutions, whilst they do of course have a large number of business customers using their services it is nowhere
as near
as the number of business companies many of their competitor banks have, and there is always a lot of
financial products business companies in particular can make use of
at any bank
DF: I think one of the big things that's really pushed ETFs is that it is a very unique proposition because it is the only asset management
product that, regardless of your demographics, will allow you
as a retail investor, a
financial advisor or large
financial institution to have access to the same tool box
at the same annual cost.
In fact, the development of annuity
products is so rapid and extensive, much of it based on applications of behavioral economics, that insurance companies, once seen
as plodding and dull, are
at the center of
financial innovation.
It's important though not to make
financial product decisions based on the potential of a cashback sum,
as they aren't foolproof and are offered
at the provider's discretion.
AIG is an interesting case; it has a lot more involvement in
financial products and derivatives (insurance, but not really —
at least not
as directly
as simple P&C policies) than most insurance companies.
Arrogant guys
at AIG
Financial Products that would hardly acknowledge you
as part of the same team
at conferences.
The guarantee offered on capital guaranteed
products is not the same
as the Australian Government
Financial Claims Scheme, which protects some deposits
at authorised deposit - taking institutions.2
Previous experiences include working
as a Research Associate
at Thomas Weisel Partners, covering consumer
financial products, and marketing for New Relic, a cloud services company.
Take a long, hard look
at what you're aiming for in your life, and then you'll know how to use credit cards - and other
financial products -
as a tool to help you get there.
At the time I wrote that it's «[h] ard to imagine this will be lucrative earn relative to credit cards, or that people who use prepaid card
as a
financial tool... will find it wise to make
product decisions based on United miles.»
«
At previous
financial briefing sessions we announced information about our
products, showed videos and even uploaded the recording of these events onto our website, but given that we now have an established method such
as Nintendo Direct, we feel that we will be able to deliver our messages more appropriately and effectively by doing so individually based on the various needs of different groups of people.»