When these two scores are separate, your personal and
business financial risks are separate as well.
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.
LONDON - Bank of England Executive Director,
Financial Stability Strategy and
Risk Alex Brazier will participate in London
Business School's Asset Management Conference 2018 0830 GMT.
By having a
financial analysis of the impact of those
risks, you will be able to prioritize the steps you take to repair your
business after a disruption.
«Far and away the biggest value - creating step that a company can have is evolving from concept to drug,» says Brian Bapty, a biotechnology analyst with Vancouver - based brokerage Raymond James
Financial Inc. «It's one of the best
businesses to be in, albeit one of the higher -
risk businesses.»
On top of the
risk of federal prosecution, IRS targeting and asset seizure, cannabis entrepreneurs have to cope with the hazards of conducting a
business that deals mostly in cash, since a majority of traditional
financial institutions — banks, credit card issuers, and payment transaction companies — won't provide services to the industry.
Although the SBA doesn't issue loans directly, it facilitates small
business lending through banks and other
financial institutions by mitigating associated
risks.
When consumers and the
financial industry do come on board, the Committee advises regulating it much like other
financial services products, like supervising bitcoin exchanges with «requirements for
business continuity planning,» and «a forum for fraud prevention and disclosure of bitcoin's
risks and costs.»
Goldman Sachs recently hosted a conference call with Steve Kotran, partner and head of the
financial advisory practice at the law firm Sullivan & Cromwell, and discussed some of the emerging
risks to the M&A
business.
So does your family, so don't let the twin
risks of student debt and a startup
business demolish your
financial security.
At the time, TD was among the Top 10 banks in the structured - products market, a
business built on arcane
financial instruments that shift
risk between balance sheets and was ultimately a compounding factor of the
financial crisis.
Further, PDC urges you to carefully review and consider the cautionary statements and disclosures, specifically those under the heading «
Risk Factors,» made in its Quarterly Report on Form 10 - Q, its Annual Report on Form 10 - K for the year ended December 31, 2016 (the «2016 Form 10 - K»), filed with the U.S. Securities and Exchange Commission («SEC») on February 28, 2017 and amended on May 1, 2018, and other filings with the SEC for further information on
risks and uncertainties that could affect the Company's
business,
financial condition, results of operations, and prospects, which are incorporated by this reference as though fully set forth herein.
Add that to the
risks of
business ownership and the inevitable health
risks tied to aging, and even the most careful
financial planning may not be able to save these boomers from
financial disaster.
The group of Canadian
businesses with the most potential for growth are being held back by our
risk - averse
financial environment.
By using
business credit, it is possible to mitigate personal
financial risk.
Starting a new
business requires a lot of money up front, and thus, often involves quite a bit of
financial risk.
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.
Riffing off Donald Keough's book The Ten Commandments for
Business Failure,
Risk Capital Partners investor Luke Johnson pens his own steps for killing your company for the
Financial Times.
CFOs also need to understand
business risks — both
financial and non-
financial — and know how to mitigate those
risks.
Be upfront with your loved ones about the
financial risk associated with your potential
business venture, as well as with your motivation for wanting to pursue it now.
«Pipeline construction would negatively affect TransCanada's
business risk profile through increased project execution
risk, and would likely put pressure on
financial metrics.»
According to Matt Murawksi, a
financial planner at Goodstein Wealth Management, following these key steps can protect any entrepreneur from any situation and allow them to grow and protect their personal finances while taking
risks in a new
business.
The alert noted that in a recent SEC Office of Compliance Inspections and Examinations study of 75
financial firms, 5 percent of broker - dealers and 26 percent of advisors and investment funds did not conduct periodic
risk assessments of critical systems to uncover vulnerabilities, potential
business consequences and other cybersecurity threats.
If your
business still accepts face - to - face transactions without EMV, not only are losing credibility among your customers, but you're facing some serious
financial risk as well.
Take the right steps to protect your company from the
business and
financial risks of a lawsuit.
The new software targets data - intensive applications requiring high - speed access to massive volumes of information generated by countless devices, sensors,
business processes, and social networks; examples include seismic data processing,
risk management and
financial analysis, weather modeling, and scientific research.
Osteryoung suggests that you look for resources in your industry, such as the annual statement studies on small and mid-sized
business financial benchmarks from
Risk Management Associates, to help you determine whether your profit margin is on target.
At least four states have moved to imposed some form of departmental cybersecurity rules on
businesses, led by New York, which now requires
financial companies to certify that they've addressed, among other things, third - party
risks.
Beyond those basics, you'll get approved more readily and with better terms if you give the banks precisely what they need to make a decision: tax returns and audited (if possible)
financial statements (P&L, balance sheets and cash flow) for the year to date and the previous three years; monthly statements for the previous 12 months; a
business plan explaining what you do, how you do it and why your company would be a good
risk; a detailed projection showing how you will generate the funds to pay down the line; and a backup plan (collateral) to repay the bank if the projections don't pan out.
The former Wells Fargo
Financial employee saw franchising as a chance to break free from a corporate job while minimizing the
risk of opening a new
business.
The biggest
risk for most
business owners is that they'll be so busy running their companies they'll take their eye off the road — and end up in a head - on
financial collision before they ever knew what hit them.
Certain
risk factors that may affect our
business operations,
financial condition and results of operations are included in our filings with the SEC, including our annual reports on Form 10 - K, quarterly reports on Form 10 - Q and current reports on Form 8 - K.
What are the requirements to be a director of a major public corporation, where you are required to oversee and approve complex
financial statements, compensation packages,
business risk appetite, internal controls and regulatory compliance?
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»).
Forward - Looking Statements This news release contains forward - looking information about 3M's
financial results and estimates and
business prospects that involve substantial
risks and uncertainties.
While the proposed rule encourages
financial institutions to measure their
businesses based on the
risks they assume and use those measurements in their compensation, they should mandate it instead.
Financial institutions are in the
business of trading
risk for reward.
Lauren Lyons Cole, a certified
financial planner and senior editor at
Business Insider, explains the
risks of investing in cryptocurrency.
To keep our
business interests aligned, we assume equal
financial risk.
Business owners and self - employed professionals take calculated
risks in their
businesses, but they should not
risk their
financial security when it comes to saving for retirement.
Risks and uncertainties include, among other things, the uncertainties inherent in research and development; the uncertainties inherent in business and financial planning, including, without limitation, risks related to Pfizer's business and prospects, adverse developments in Pfizer's markets, or adverse developments in the U.S. or global capital markets, credit markets or economies generally; and competitive developm
Risks and uncertainties include, among other things, the uncertainties inherent in research and development; the uncertainties inherent in
business and
financial planning, including, without limitation,
risks related to Pfizer's business and prospects, adverse developments in Pfizer's markets, or adverse developments in the U.S. or global capital markets, credit markets or economies generally; and competitive developm
risks related to Pfizer's
business and prospects, adverse developments in Pfizer's markets, or adverse developments in the U.S. or global capital markets, credit markets or economies generally; and competitive developments.
Since it requires no luck, skill or guesswork, you can be confident that you and your family can reach your personal and
business financial goals without taking unnecessary
risks.
Small
Business Center: What are some of the
financial risks experienced by small
businesses during rapid growth?
Additional
risks and uncertainties not currently known to us or those we currently deem to be immaterial may also materially and adversely affect our
business,
financial condition or results of operations.
The
Business Credit
Risk Score, Early Default Score,
Business Delinquency Score and the
Business Delinquency
Financial Score include the option of using personal credit data and commercial credit data.
And then, not surprisingly,
risk management is important in
financial services and then, ultimately, the sales and
business performance in showing that there are customer - level managers of that sales and
business performance that might look quite different than the traditional P&L that you would see for a product within an organization.
Indeed, five of the top 10 companies in the S&P 500 cited growing
business risk from climate change in their
financial filings in 2014.
One way to mitigate this
risk is to focus on disproportionately collecting
businesses that have the
financial strength necessary to survive even the darkest days of a period like 1929 - 1933 without having to issue stock at severely depressed prices (which, from an economic perspective, amounts to you, the old owner, having to sell off your ownership in exchange for a bailout).
Policy makers should raise the statutory borrowing limit «well ahead of the deadline» in order to «mitigate
risks of
financial market disruptions and a loss in consumer and
business confidence,» they warned.
That could boost productive investment and consumption, help with
business creation and help populations better manage
financial risk.