Most people look at life insurance policies as instruments that yield tax
benefits in every financial year.
Not exact matches
This is a direct strategic and
financial benefit to Method, but there are also cost savings to society
in the reduction
in the billions of tons of plastic flowing into our landfills and oceans each
year.
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»).
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).
An investigation last
year by the
Financial Times and ProPublica first detailed how STARS produced tax
benefits for U.S. banks beginning
in 1999.
thanks, and yes, a pittance of a pension and regular checkups keep us on budget and head off any problems — best decision i ever made (
financial or otherwise) was serving our country doing search - and - rescue, oil and chemical spill remediation, etc. (you can guess the branch of service)-- along the way, frugal living, along with dollar - cost averaging, asset allocation, and diversification allowed us to retire early — Vanguard has been very good over the
years, despite the Dot Bomb, 2002, and the recession (where we actually came out better with a modest but bargain retirement home purchase)... it's not easy building additional «legs» on a retirement platform, but now that we're here, cash, real estate, investments and insurance products, along with a small pension all help to avoid any real dependence on social security (we won't even need it at full retirement age)-- however, like nearly everybody, we're headed for Medicare
in several
years, albeit with a nice supplemental and pharmacy
benefits — but our main concern is staying fit, active, and healthy!
While the industry has been evolving for several
years, lawsuits against advisors and plan providers have picked up speed
in the last few
years, according to Conor Weir, managing director and a
financial consultant at Retirement
Benefits Group.
Corporate defined
benefit plan sponsors have pulled many levers
in recent
years in an effort to reduce the
financial risk of pension obligations.
At Voya
Financial, the return of capital from employee
benefits last
year was 24.4 percent, up from 23.3 percent
in 2016, and voluntary
benefit sales rose 24 percent
in 2017, Voya Chief Operations Officer Alain Karaoglan told analysts
in a conference call.
In our asset management business, net sales of our long - term mutual funds continued to increase through 2009, demonstrating the power of our distribution network, rising financial markets, and the confidence that clients have in our fund management expertise, as well as the benefits of our acquisition of PH&N, which was named fund company of the year by Lippe
In our asset management business, net sales of our long - term mutual funds continued to increase through 2009, demonstrating the power of our distribution network, rising
financial markets, and the confidence that clients have
in our fund management expertise, as well as the benefits of our acquisition of PH&N, which was named fund company of the year by Lippe
in our fund management expertise, as well as the
benefits of our acquisition of PH&N, which was named fund company of the
year by Lipper.
In the years since the global financial crisis, the purpose of the Fed's monetary actions, and of global central - bank actions in general, was to bring down volatility in asset classes and more broadly in the economy, and we certainly received some benefits from tha
In the
years since the global
financial crisis, the purpose of the Fed's monetary actions, and of global central - bank actions
in general, was to bring down volatility in asset classes and more broadly in the economy, and we certainly received some benefits from tha
in general, was to bring down volatility
in asset classes and more broadly in the economy, and we certainly received some benefits from tha
in asset classes and more broadly
in the economy, and we certainly received some benefits from tha
in the economy, and we certainly received some
benefits from that.
However, the decision to suspend trading
in order to implement better protocols will likely
benefit exchanges
in China
in the long run, as they'll be able to operate for many
years to come, without facing other issues, and risking closure by the Chinese Government and its
financial authorities.
While the bullish case for gold is directly contrary to the interests of the
financial establishment generally, it is of extreme interest and
benefit to the subset of the establishment that has made more than $ 1,000,000,000,000.00
in illegal profits over the past forty
years by rigging the gold market, and that wishes to steal as much additional money as they can get away with.
Much of the debate over the past
years about the
benefits and the costs global specialization, primarily the rapid advance of China as a major manufacturing center has been less about the
financial costs — the $ 12 trillion dollars of additional liquidity that the US consumers offered to the world (the cumulative US trade deficit from 1990 through 2015 compared to the over $ 3 trillion dollars
in trade surplus run - up by China over this same period — and more
in terms of the jobs lost and the impact of foreign products on American wages
in manufacturing.
The full incentive package includes $ 2m
in tax incentives (80 % rebate of property tax) and a $ 500,000
financial benefit during the 12 -
year period when the plant has been completed.
«Lion has invested significantly
in a range of initiatives and expects to realise the
benefits of past site rationalisation during
Financial Year 2013, however we are still a considerable distance from making an acceptable return, and this can not be delivered by a focus on costs alone,» he added.
In addition to financial support, the SEPC is honored to work with the Society of St. Andrew to provide truckloads of food to one of our other benefitting charities, RAMP in rural Appalachia, as well as donate all leftover food from Southern Exposure and Southern Innovations each year to help those who are hungry in the Southeas
In addition to
financial support, the SEPC is honored to work with the Society of St. Andrew to provide truckloads of food to one of our other
benefitting charities, RAMP
in rural Appalachia, as well as donate all leftover food from Southern Exposure and Southern Innovations each year to help those who are hungry in the Southeas
in rural Appalachia, as well as donate all leftover food from Southern Exposure and Southern Innovations each
year to help those who are hungry
in the Southeas
in the Southeast.
Cloth or Disposable diapers — Cloth diapers are an older concept but one that has grown
in popularity
in recent
years due to the environmental
benefits and the
financial advantage of a reusable cloth diaper.
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.
The
Financial Times suggested that
in order to find additional cuts of # 30 - 40bn, the incoming government might have to cut public sector pay by 5 per cent, freeze
benefits for a
year, means - test child
benefit, abolish winter fuel payments, and cut free TV licences and bus passes.
The state has
benefited from more than $ 8 billion
in windfall settlements with major
financial institutions
in the last two
years, with the resources being spent either
in the current enacted budget or
in the proposed spending plan.
John Ball, head of defined
benefit pension consulting at Towers Watson — a global company that specialises
in risk and
financial management, estimates the cost of this policy to be # 2bn a
year by the end of the next parliament.
In a study set to take place over the course of a year, the Metropolitan Transportation Authority will look at factors such as ridership, current bus routes and the lines that were cut in 2010 at the height of the agency's financial crisis and will determine if changes can be made to benefit residents in the northeastern part of the boroug
In a study set to take place over the course of a
year, the Metropolitan Transportation Authority will look at factors such as ridership, current bus routes and the lines that were cut
in 2010 at the height of the agency's financial crisis and will determine if changes can be made to benefit residents in the northeastern part of the boroug
in 2010 at the height of the agency's
financial crisis and will determine if changes can be made to
benefit residents
in the northeastern part of the boroug
in the northeastern part of the borough.
Also show them the
benefit that finishing
in four
years will have on their long - term
financial future.
Although ACE provides many
financial benefits — including the master's degree, room and board for two summer sessions, $ 400
in travel stipends each
year plus airfare to and from the December retreat, and health insurance — ACE teachers are paid considerably less than a typical Catholic school salary.
In their contingency plan, L.A. Unified officials propose two ways to cancel out the three - year $ 72.2 million deficit if no solution presents itself by 2017 - 18: zero out the planned $ 101.3 million contribution to a trust fund that pays retiree health benefits, or implement $ 102.8 million worth of the cuts an independent financial review panel recommended in Novembe
In their contingency plan, L.A. Unified officials propose two ways to cancel out the three -
year $ 72.2 million deficit if no solution presents itself by 2017 - 18: zero out the planned $ 101.3 million contribution to a trust fund that pays retiree health
benefits, or implement $ 102.8 million worth of the cuts an independent
financial review panel recommended
in Novembe
in November.
For Fellows that apply and meet eligibility requirements for AmeriCorps acceptance, upon successfully completing the first
year of teaching
in a high - need school, they will be eligible for several
financial benefits:
Upon successfully completing their first
year of teaching
in a high - need school, Fellows enrolled
in the TNTP AmeriCorps Program will be eligible for several
financial benefits:
King noted
in her informative meetings last school
year that the generous health
benefits package by the district along with employee numbers are a major cause for the
financial drain on the district and there's a drastic need to act quickly to remain solvent.
A study of 30 teacher residency programs found that mentors
in these programs had, on average, 10
years of prior teaching experience.11 Some programs offer teacher mentors
financial benefits, such as $ 2,000 or $ 3,000 stipends and / or money targeted for professional development, but there are nonfinancial rewards to mentoring as well, notably the
benefit to mentors of improving their own practice.
Financial Management From the archives: The IRS took a closer look at independent schools» Form 990s, employee fringe
benefits and more
in the 2015 — 2016 school
year.
The chain is one of several multi-academy trusts to have
benefited from significant
financial donations from a philanthropist sponsor
in recent
years.
Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions
in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases
in labor costs, possible increases
in shipping rates or interruptions
in shipping service, effects of competition, possible risks that inventory
in channels of distribution may be larger than able to be sold, possible risks associated with changes
in the strategic direction of the device business, including possible reduction
in sales of content, accessories and other merchandise and other adverse
financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized
in devices to be sold, possible risk that
financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases
in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected
benefits for the parties or impose costs on the Company
in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained
in, the delayed filing of, and the material weakness
in internal controls described
in Barnes & Noble's Annual Report on Form 10 - K for the fiscal
year ended April 27, 2013, risks associated with the SEC investigation disclosed
in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and
benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed
in detail
in Item 1A, «Risk Factors,»
in Barnes & Noble's Annual Report on Form 10 - K for the fiscal
year ended April 27, 2013, and
in Barnes & Noble's other filings made hereafter from time to time with the SEC.
Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the effect of the proposed separation of NOOK Media, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions
in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases
in labor costs, possible increases
in shipping rates or interruptions
in shipping service, effects of competition, possible risks that inventory
in channels of distribution may be larger than able to be sold, possible risks associated with changes
in the strategic direction of the device business, including possible reduction
in sales of content, accessories and other merchandise and other adverse
financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized
in devices to be sold, possible risk that
financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases
in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected
benefits for the parties or impose costs on the Company
in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained
in, the delayed filing of, and the material weakness
in internal controls described
in Barnes & Noble's Annual Report on Form 10 - K for the fiscal
year ended April 27, 2013, risks associated with the SEC investigation disclosed
in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and
benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed
in detail
in Item 1A, «Risk Factors,»
in Barnes & Noble's Annual Report on Form 10 - K for the fiscal
year ended May 3, 2014, and
in Barnes & Noble's other filings made hereafter from time to time with the SEC.
the
financial year in which the contributions splitting application is made, if the entire
benefit is to be rolled over or transferred
in that
financial year.
In fact, a study by financial analyst William Shipman demonstrates that, if a 25 - year - old worker were able to privately invest the money he or she currently pays in Social Security taxes, the worker would receive retirement benefits three to six times higher than under Social Securit
In fact, a study by
financial analyst William Shipman demonstrates that, if a 25 -
year - old worker were able to privately invest the money he or she currently pays
in Social Security taxes, the worker would receive retirement benefits three to six times higher than under Social Securit
in Social Security taxes, the worker would receive retirement
benefits three to six times higher than under Social Security.
So
in the
years leading up to retirement, check out Social Security's Retirement Estimator to see what size
benefit you're likely to receive, and then check out a calculator like
Financial Engines Social Security tool to explore ways you might boost the total amount you receive.
You Too Can Accept Credit Cards Card Gives Virtual Rewards When You Spend Real Cash Consumers Know More About Credit Scores, but Knowledge Gaps Still Prove Costly New Guide Takes Mystery out of Prepaid Cards Contactless Credit Cards Could Encourage Spending Chase and LivingSocial Offer a Deal of a Card Women Pay More Than Men for Credit Cards, Study Finds Springtime Means New Bonuses for Popular Rewards Cards Convenience Stores Pass Credit Card Fees on to Consumers Discover Expands Internationally, Sets EMV Mandate American Express Cardholders Can Tweet for Savings Contactless Payments: The Faster Way to Pay MasterCard Offers «Priceless» City Experiences Plain Vanilla Cards Pack a Big Punch Scrap the Plastic: A New Way to Pay is Coming Americans»
Financial Situation Improving - Not Out of the Woods True Romance is About Discussing Finances FTC Action Stops Fake Credit Card Telemarketing Operation MasterCard Lays Out EMV Roadmap Sovereign Bank Launches a «Sphere» of a Simplified Card New
Year Starts with Mixed News on Credit Defaults Suze Orman Pushes Prepaid Card Citibank Makes Rewards Program Social It's Never Too Early to Teach Children About Credit Cards New Services Offer Loyalty Programs Through Credit Cards Consumer
Financial Protection Bureau Launches Card Agreement Simplification Project Credit Card Users Focus on Product
Benefits, Not Cost, Says New Survey Spend Wisely this Holiday Season EMV Chip Technology Continues to Spread
in the U.S. Interested In Calculating Interes
in the U.S. Interested
In Calculating Interes
In Calculating Interest?
Saving for college early not only provides
financial peace of mind, it also has tax
benefits now and
in future
years.
When Natixis announced their student loan repayment
benefit nearly a
year ago, they knew they were sailing
in slightly unchartered waters, and creating a map to
financial wellness that other companies might one day follow.
Even a cursory glance at
financial markets indicates that market participants are expecting some form of interest rate increase
in the near future — there has been a sell - off
in the 10 -
Year U.S. Treasury Bond market, and certain sectors that are expected to
benefit from such a rate increase have gained.
Being able to purchase with $ 0 down is a significant
financial benefit, and one that nearly about 8
in 10 VA buyers took advantage of last
year alone.
In my case, learning about investing has provided me with tangible benefits of being three years away from achieving financial independence, after starting my journey in the middle of 200
In my case, learning about investing has provided me with tangible
benefits of being three
years away from achieving
financial independence, after starting my journey
in the middle of 200
in the middle of 2007.
Now if I book an under - construction flat / buy another ready flat
in current
financial year, will I be disqualified for the above
benefits under 80EE?
The 64 -
year - old from Cobourg, Ont., had assumed her defined -
benefit pension was «money
in the bank,» a guaranteed amount she'd receive
in retirement regardless of the
financial health of the failing retailer.
With regard to permanent life insurance with a guaranteed insurability option, this feature,
in addition to the customary death
benefit, may provide a
financial cushion for children well into their adult
years.
Not only will this process
benefit your children, but it could help you maintain
financial stability
in your elderly
years in the event that you need assistance from one of your kids.
* Tax
benefit is calculated assuming tax rate of 30 % as increased by Health and Education Cess of 4 % on the investment made
in ELSS of Rs. 1,50,000
in a
financial year.
(Tax
benefit on interest paid can be availed for loans taken for repair of the house too but tax
benefit,
in such a case, shall be limited to Rs 30,000 per
financial year.)
After
years of a slowly deteriorating US dollar, the greenback found some footing during the
financial crisis and is now
benefiting from the
financial woes
in Greece which may well boil over into other Euro - zone countries.