Sentences with phrase «benefit from year to year»

With this option, you can maintain the same death benefit from year to year or set the death benefit equal to the original amount plus the cash value accumulation.

Not exact matches

The combined ratio of 97.5 % improved 2.1 points due to higher net favorable prior year reserve development (1.7 points) and a benefit (0.8 points) from catastrophe losses, partially offset by a higher underlying combined ratio (0.4 points).

«Today, we're investing in things that will benefit the business years from now,» says Hollands, noting that the urban concept took two years from first idea to first restaurant, and the returns on the investment could take three or four times that long to be realized.

Yet economy flyers definitely benefit from some of the innovations vying for this year's Crystal Cabin Awards, which are set to be announced April 10

Then again, the financial situation of their business is such that they could benefit from more regular financial review and planning and up - to - date accounting — instead of leaving every invoice, receipt, and ledger to hand off to the tax preparer at the close of the fiscal year.

The combined ratio of 95.5 % decreased 0.5 points due to higher net favorable prior year reserve development (1.0 point), as well as a benefit (0.2 points) from catastrophes, partially offset by a higher underlying combined ratio (0.7 points).

Last year, Ottawa announced it would hike the age at which seniors start collecting OAS benefits to age 67 from 65 starting in 2023.

In addition, it could make your investors more patient by extending their investment horizon to their retirement years, which is a huge benefit from your perspective.

«This lack of benefits has hindered women from looking beyond the childbearing years to reach the executive positions that enable them to enter the pipeline for board - level positions.»

«While the most recent dividend was paid in May of last year, we believe there is potential for the company to accelerate this timeline given our estimate of a 14 % FCF [free cash flow] benefit from tax reform and the company's strong underlying cash flow,» he wrote.

The 1,603 - page bill, negotiated by Republican and Democratic appropriators and leaders, drew Democrats» ire when they discovered it would roll back the Dodd - Frank law due to go into effect next year by killing planned restrictions on derivatives trading by large banks, allowing them to continue trading swaps and futures in units that benefit from federal deposit insurance and Federal Reserve loans.

Just because the State of the Union normally refers to a speech given to discuss the year's upcoming priorities from the president's perspective, don't think that only a nation can derive benefit from an annual address of this sort.

Premiums typically range from $ 2,500 to $ 6,000 a year, and insurers that provide it have been hiking those premiums in recent years, and in some cases trimming the benefits they offer, in response to unexpectedly high costs.

Responding to negative coverage in The Washington Post, owned by Amazon CEO Jeff Bezos, Trump said earlier this year, «I have respect for Jeff Bezos, but he bought The Washington Post to have political influence, and I got ta tell you, we have a different country than we used to have... He wants political influence so that Amazon will benefit from it.

She relies on a database of 1,000 simulations of future returns to conclude that, 75 years from now, a Social Security trust fund portfolio that includes stocks will produce a healthy ratio of assets to benefits, while a trust fund consisting of only bonds will be completely exhausted.

With four major players remaining in the wireless market, consumers should continue to benefit from competition that has lowered prices, eliminated two - year contracts, and done away with all sorts of annoying fees and extra charges.

Centene's health benefits ratio, or the amount it spends on medical claims compared with its income from premiums, improved marginally to 86.3 percent, from 86.6 percent a year earlier.

They may deduct potentially up to 30 percent of their annual income against their foundation's disbursements to charities, and they are likely to benefit from what's known as a carry - forward into subsequent years for amounts they can't deduct in a given year, Lieberman says.

The biggest driver of economic growth next year will be from household consumption, which policy makers reckon will get a boost from the federal government's tax cuts and its decision to augment monthly child benefits.

Earlier this year, a company called Event Shares filed a prospectus for a Republican Policies and a Democratic Policies fund to invest in companies that will benefit from the respective parties» political agendas (neither has launched yet).

Current retirees can collect as early as age 62, but their benefit will be permanently reduced by a percentage based on the number of months before they reach full retirement age, which ranges from age 65 to 67, depending upon birth year.

Those families who have benefited the least from the big increase in stock prices over the last few years have the most to gain, proportionately, from the drop in oil and gas prices.

Oct 24 (Reuters)- Web conglomerate IAC / InteractiveCorp reported higher quarterly revenue but profit fell almost 40 percent due to a tax benefit from the same period a year ago.

Hit by Amazon's explosive growth a decade ago, as well as the rise of e-books (which now seem to have peaked at around 20 % of total book sales), Barnes & Noble closed stores year - in, year - out, benefiting from a savvy move in the 1990s that saw it opt for short leases.

Actual results, including with respect to our targets and prospects, could differ materially due to a number of factors, including the risk that we may not obtain sufficient orders to achieve our targeted revenues; price competition in key markets; the risk that we or our channel partners are not able to develop and expand customer bases and accurately anticipate demand from end customers, which can result in increased inventory and reduced orders as we experience wide fluctuations in supply and demand; the risk that our commercial Lighting Products results will continue to suffer if new issues arise regarding issues related to product quality for this business; the risk that we may experience production difficulties that preclude us from shipping sufficient quantities to meet customer orders or that result in higher production costs and lower margins; our ability to lower costs; the risk that our results will suffer if we are unable to balance fluctuations in customer demand and capacity, including bringing on additional capacity on a timely basis to meet customer demand; the risk that longer manufacturing lead times may cause customers to fulfill their orders with a competitor's products instead; the risk that the economic and political uncertainty caused by the proposed tariffs by the United States on Chinese goods, and any corresponding Chinese tariffs in response, may negatively impact demand for our products; product mix; risks associated with the ramp - up of production of our new products, and our entry into new business channels different from those in which we have historically operated; the risk that customers do not maintain their favorable perception of our brand and products, resulting in lower demand for our products; the risk that our products fail to perform or fail to meet customer requirements or expectations, resulting in significant additional costs, including costs associated with warranty returns or the potential recall of our products; ongoing uncertainty in global economic conditions, infrastructure development or customer demand that could negatively affect product demand, collectability of receivables and other related matters as consumers and businesses may defer purchases or payments, or default on payments; risks resulting from the concentration of our business among few customers, including the risk that customers may reduce or cancel orders or fail to honor purchase commitments; the risk that we are not able to enter into acceptable contractual arrangements with the significant customers of the acquired Infineon RF Power business or otherwise not fully realize anticipated benefits of the transaction; the risk that retail customers may alter promotional pricing, increase promotion of a competitor's products over our products or reduce their inventory levels, all of which could negatively affect product demand; the risk that our investments may experience periods of significant stock price volatility causing us to recognize fair value losses on our investment; the risk posed by managing an increasingly complex supply chain that has the ability to supply a sufficient quantity of raw materials, subsystems and finished products with the required specifications and quality; the risk we may be required to record a significant charge to earnings if our goodwill or amortizable assets become impaired; risks relating to confidential information theft or misuse, including through cyber-attacks or cyber intrusion; our ability to complete development and commercialization of products under development, such as our pipeline of Wolfspeed products, improved LED chips, LED components, and LED lighting products risks related to our multi-year warranty periods for LED lighting products; risks associated with acquisitions, divestitures, joint ventures or investments generally; the rapid development of new technology and competing products that may impair demand or render our products obsolete; the potential lack of customer acceptance for our products; risks associated with ongoing litigation; and other factors discussed in our filings with the Securities and Exchange Commission (SEC), including our report on Form 10 - K for the fiscal year ended June 25, 2017, and subsequent reports filed with the SEC.

And while the seasoned «road warrior» will certainly benefit from using Upside, Walker says the core customers will likely be people who travel domestically four to six times a year or twice a year internationally.

Prior week's reading was revised to 218,000 from 215,000, erasing what was originally reported as a 45 - year low Unemployment rate among people eligible for benefits was unchanged at 1.3 percent Colorado and Maine had estimated claims last week, according to the Labor Department

Oct 24 - Web conglomerate IAC / InteractiveCorp reported higher quarterly revenue but profit fell almost 40 percent due to a tax benefit from the same period a year ago.

Cosmetics companies are benefiting from strong appetite for skincare products like anti-aging treatments, after riding a make - up boom in the past few years, spurred by young consumers seeking to look good on social media.

At the American College of Cardiology's meeting in Chicago on Saturday, Novartis told doctors that clinically stable heart patients, as well as those considered least stable, both appear to benefit from taking Entresto compared to enalapril, a generic introduced 35 years ago that remains a standard heart failure treatment.

Excluding the tax benefit and other one - time items, its adjusted profit increased marginally to $ 304 million or 54 cents per share, up from $ 303 million or 53 cents per share in last year's third quarter.

According to data from job search engine Indeed, mention of «benefits» in employment ads in the United States has spiked in the last two years or so.

It's possible that Constand may have benefited from the #MeToo momentum on Thursday, but it took an extra dose of courage for her to make her claims years ago, in an environment that was so much less accepting.

Among the factors that could cause actual results to differ materially are the following: (1) worldwide economic, political, and capital markets conditions and other factors beyond the Company's control, including natural and other disasters or climate change affecting the operations of the Company or its customers and suppliers; (2) the Company's credit ratings and its cost of capital; (3) competitive conditions and customer preferences; (4) foreign currency exchange rates and fluctuations in those rates; (5) the timing and market acceptance of new product offerings; (6) the availability and cost of purchased components, compounds, raw materials and energy (including oil and natural gas and their derivatives) due to shortages, increased demand or supply interruptions (including those caused by natural and other disasters and other events); (7) the impact of acquisitions, strategic alliances, divestitures, and other unusual events resulting from portfolio management actions and other evolving business strategies, and possible organizational restructuring; (8) generating fewer productivity improvements than estimated; (9) unanticipated problems or delays with the phased implementation of a global enterprise resource planning (ERP) system, or security breaches and other disruptions to the Company's information technology infrastructure; (10) financial market risks that may affect the Company's funding obligations under defined benefit pension and postretirement plans; and (11) legal proceedings, including significant developments that could occur in the legal and regulatory proceedings described in the Company's Annual Report on Form 10 - K for the year ended Dec. 31, 2017, and any subsequent quarterly reports on Form 10 - Q (the «Reports»).

New Year's resolutions are cliche, but they aren't without value, because taking the time to think about what is holding us back from our dreams has enormous benefits.

Meanwhile, for nearly two years now, we have benefited immeasurably from the knowledge and unique perspective he brings to the workplace every day.

«We believe the macro backdrop for commodities is as good as we have seen in years, suggesting large allocations to the sector to benefit from such returns,» the strategists wrote.

Last year's winner had an October release, which set the film up well to benefit from the notorious Oscar bump following its Best Picture nomination and eventual win.

Indeed, these more immediate benefits may ultimately prove to be more valuable than the tax deferral obtained from saving for retirement should pressures on fiscally strapped governments result in higher tax rates and reduced retirement benefits in the years ahead.

Tyson Foods (TSN) bought Hillshire Brands for $ 8.5 billion two years ago and that brand is expected to have seen strong sales in the most recent quarter, while Tyson's chicken business also likely benefitted from higher margins thanks to cost - cutting measures.

«We're seeking very deliberately to benefit from the dysfunctional American immigration system,» Jason Kenney said recently, when asked about a year - old campaign that erected giant «Pivot to Canada» billboards in the San Francisco Bay - area advertising directly to foreign nationals blocked from obtaining H - 1B visas.

These risks and uncertainties include: Gilead's ability to achieve its anticipated full year 2018 financial results; Gilead's ability to sustain growth in revenues for its antiviral and other programs; the risk that private and public payers may be reluctant to provide, or continue to provide, coverage or reimbursement for new products, including Vosevi, Yescarta, Epclusa, Harvoni, Genvoya, Odefsey, Descovy, Biktarvy and Vemlidy ®; austerity measures in European countries that may increase the amount of discount required on Gilead's products; an increase in discounts, chargebacks and rebates due to ongoing contracts and future negotiations with commercial and government payers; a larger than anticipated shift in payer mix to more highly discounted payer segments and geographic regions and decreases in treatment duration; availability of funding for state AIDS Drug Assistance Programs (ADAPs); continued fluctuations in ADAP purchases driven by federal and state grant cycles which may not mirror patient demand and may cause fluctuations in Gilead's earnings; market share and price erosion caused by the introduction of generic versions of Viread and Truvada, an uncertain global macroeconomic environment; and potential amendments to the Affordable Care Act or other government action that could have the effect of lowering prices or reducing the number of insured patients; the possibility of unfavorable results from clinical trials involving investigational compounds; Gilead's ability to initiate clinical trials in its currently anticipated timeframes; the levels of inventory held by wholesalers and retailers which may cause fluctuations in Gilead's earnings; Kite's ability to develop and commercialize cell therapies utilizing the zinc finger nuclease technology platform and realize the benefits of the Sangamo partnership; Gilead's ability to submit new drug applications for new product candidates in the timelines currently anticipated; Gilead's ability to receive regulatory approvals in a timely manner or at all, for new and current products, including Biktarvy; Gilead's ability to successfully commercialize its products, including Biktarvy; the risk that physicians and patients may not see advantages of these products over other therapies and may therefore be reluctant to prescribe the products; Gilead's ability to successfully develop its hematology / oncology and inflammation / respiratory programs; safety and efficacy data from clinical studies may not warrant further development of Gilead's product candidates, including GS - 9620 and Yescarta in combination with Pfizer's utomilumab; Gilead's ability to pay dividends or complete its share repurchase program due to changes in its stock price, corporate or other market conditions; fluctuations in the foreign exchange rate of the U.S. dollar that may cause an unfavorable foreign currency exchange impact on Gilead's future revenues and pre-tax earnings; and other risks identified from time to time in Gilead's reports filed with the U.S. Securities and Exchange Commission (the SEC).

If you start drawing these benefits at 65, you can earn up to $ 6,481 a year from OAS and $ 11,840 from CPP, for a maximum combined total of $ 18,321.

Benefits paid to you from CPP are based on how many years you and your employers contributed, size of contributions and when you start the payouts.

Proceeds from this year's event will benefit the International Arts and Philanthropy Foundation and Breed Life, a group that aims to facilitate the donation of human organs to people in need.

Incentives for early and late retirement will be modified to decrease the attractiveness of early retirement and increase the attractiveness of late retirement; phased retirement will be facilitated by allowing people to collect benefits while contributing and earning new claims on CPP retirement benefits; and the number of years of low earnings that can be deducted from the calculation of a CPP retirement benefit will be increased.

State and local employees» contributions to the two largest pension systems increased by 10 %, from 5 % to 5.5 % of their annual salaries and increased the retirement benefit age for new public employees, from 55 to 60 years.

[74] In 2008, Corzine approved a law that increased the retirement age from 60 to 62, required that government workers and teachers earn $ 7,500 per year to qualify for a pension, eliminated Lincoln's Birthday as a state worker holiday, allowed the state to offer incentives not to take health insurance and required municipal employees work 20 hours per week to get health benefits.

Democrats from coal - producing states, led by West Virginia Senator Joe Manchin, had delayed the Senate vote on the funding bill in a failed attempt to get a bigger extension of miners» healthcare benefits that expire at the end of this year.

Wage and benefit increases of 15 to 20 percent per year at the average Chinese factory will slash China's labor - cost advantage over low - cost states in the U.S., from 55 percent today to 39 percent in 2015, when adjusted for the higher productivity of U.S. workers.