Whole Life Plans cater to the protection need of the individual for whole life time, generally only the risk of death is covered
by such plans, though whole life products can also be a combination with endowment products, hence maturity benefits are also part of some whole life plans.
Even if it is affordable, will you be satisfied with 4 to 6 % returns generated
by such plans?
And almost all final expense policies sold and purchased are permanent in nature due to the guarantees provided
by such plans.
Plans that provide the type of coverage that individuals with chronic conditions need will continue to become more expensive over time as those insured
by such plans become riskier for health insurers to cover.
Even if it is affordable, will you be satisfied with 4 to 6 % returns generated
by such plans?
-- The Secretary of Transportation shall require the appropriate person to develop a plan for carrying out this subparagraph that reflects consultation with individuals with disabilities affected
by such plan and that establishes milestones for achievement of the requirements of this subparagraph.
We do not interpret the definition of «payment» to include activities that involve the disclosure of protected health information by a covered entity, including a covered health care provider, to a plan sponsor for the purpose of obtaining payment under a group health plan maintained
by such plan sponsor, or for the purpose of obtaining payment from a health insurance issuer or HMO with respect to a group health plan maintained
by such plan sponsor, unless the plan sponsor is performing plan administration pursuant to § 164.504 (f).
Specifically, NAR hopes to get data on how home prices and equity would be affected, as well as the change in the tax burden of homeowners versus non-homeowners
by such a plan.
Not exact matches
Forward - looking statements generally can be identified
by the use of forward - looking terminology
such as «aim,» «anticipate,» «believe,» «could,» «continue,» «estimate,» «expect,» «goal,» «forecast,» «intend,» «may,» «might,» «objective,» «outlook,» «
plan,» «predict,» «project,» «should,» «target,» «will,» «would,» and other similar words, or phrases, or the negative thereof, unless the context requires otherwise.
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.
Forward - looking statements generally can be identified
by the fact that they do not relate strictly to historical or current facts and
by the use of forward - looking words
such as «expect,» «expectation,» «believe,» «anticipate,» «may,» «could,» «intend,» «belief,» «
plan,» «estimate,» «target,» «predict,» «project,» «likely,» «will,» «continue,» «should,» «forecast,» «outlook» or similar terminology.
And, while AT&T last month said it extended
by a «short period» its deadline to close the
planned deal, the transaction has already won regulatory approval in other countries
such as Brazil, Chile, and Mexico without the need to sell any assets.
Often, but not always, forward - looking statements can be identified
by the use of words and phrases
such as «
plans,» «expects,» «is expected,» «budget,» «scheduled,» «estimates,» «forecasts,» «intends,» «anticipates,» or «believes» or variations (including negative variations) of
such words and phrases, or state that certain actions, events or results «may,» «could,» «would,» «might» or «will» be taken, occur or be achieved.
If you're told
by a credible professional,
such as a business manager, that your business
plan contains gaping holes, take that into account and realize where you can improve.
The scope of the
planned tax would cover companies offering services
such as advertising or the sale of user data, according to the draft prepared
by the EU's executive arm.
Generally, forward - looking statements may be identified
by words
such as «anticipate,» «expect,» «suggests,» «
plan,» «project,» «believe,» «intend,» «estimates,» «targets,» «views,» «may,» «will,» «forecast,» «outlook,» and other similar expressions.
Diagnosing the specific problems affecting your website's conversion rate can be tricky, but many webmasters will benefit from «heat mapping» software,
such as the program offered
by Crazy Egg (
plans start at $ 9 a month).
Following Bégin's
plan, the company now designs and manufactures 80 % of the automated equipment used
by leading automobile parts players
such as Magna and Hutchinson, who make the actual seals in Quebec, Ontario, the United States, Mexico, Brazil, Europe and Asia.
Polman's defining initiative has been the 10 - year Unilever Sustainable Living
Plan, which has included significant changes
such as having 100 % of agricultural raw materials be sustainable
by 2020, developing a framefork for fair pay, and investing heavily in hygiene promotion in developing markets like India.
The good news is that
by doing a few simple things,
such as
planning to withdraw no more than 4 % of your portfolio each year, you can lower your risk significantly.
Some families may benefit
by sheltering after - tax dollars in retirement - savings vehicles,
such as Roth individual retirement accounts and some types of annuities, said Will Alford, president of Education
Planning Resources.
The European Union executive is
planning a law to deal with complaints about unfair trading practices
by leading online players
such as Apple and Google.
Forward - looking statements and projections can often be identified
by the use of forward - looking words
such as «expect,» «believe,» «may,» «will,» «could,» «anticipate,» «estimate,» «continue,» «
plan,» «intend,» «project» or other similar expressions.
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 person
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 person
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 person
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.
While both
plans would increase the debt ceiling, ratings agencies have said a short - term increase
such as the one proposed
by House Republicans may not be enough to protect the U.S. from a ratings downgrade.
Imagine an organization where a senior leader develops a creative
plan that has a profound impact on the entire organization,
such as winning thousands of new customers or increasing revenue
by millions of dollars.
Since he announced his
plan to retire in February, US shareholders
such as Fidelity and Lazard have reduced their stakes
by at least 1 per cent, according to public filings.
By opening its API to complementary companies
such as TripAdvisor and OpenTable, Uber is extending its reach to those companies» customers, making it easy for them to book a ride when they
plan a night out on the town.
NEW YORK, Jan 10 - Federal Reserve policymakers reacted coolly to a report on Wednesday that China could curb its massive U.S. debt purchases, pointing out that
such rebalancing
by countries can be healthy and would not likely disrupt the U.S. central bank's
plan to trim its own bond portfolio.
But the Web is especially well - suited to teaching technical topics, effective sales and customer - service techniques, financial skills, product and policy updates, and things that can be learned step
by step,
such as drafting a business
plan or managing a project.
(One answer to that question could be a mix of twelve Iraqi army and peshmerga brigades reequipped and retrained as
planned by the United States, along with Sunni Arab national guard elements and a more aggressive U.S. forward ground presence involving Joint Terminal Attack Controllers and unit advisors; limited American ground troops might be needed to augment
such a local force, however.)
Among the things that
such firms must make determinations about and document, Plakans says, is if they qualify as exempt employers, whether their workers are considered full - time employees, and if so, whether the
plans they offer adhere to the cost formulas prescribed
by the government.
Fintech companies are transforming the banking experience
by offering easy payment processes, opportunities to save consumers» money, ways to promote financial services
such as investments and
planning, and ultimately
by driving the industry into the next generation of banking.
Others spend big bucks to pull off elaborate multi-day affairs,
such as the
planned three - day New York celebration for 83 - year old billionaire investor George Soros starting Friday that will be attended
by more than 500 guests, including hedge fund titans and prominent political leaders.
These forward - looking statements can be identified
by words
such as «expect», «want», «anticipate», «intend», «
plan», «believe», «seek», «estimate», «will», and «predict».
Forward - looking statements, which are based on certain assumptions and describe our future
plans, strategies and expectations, can generally be identified
by the use of forward - looking terms
such as «believe,» «expect,» «may,» «will,» «should,» «would,» «could,» «seek,» «intend,» «
plan,» «goal,» «project,» «estimate,» «anticipate» or other comparable terms.
No wonder about half of the small businesses in the United States have already taken steps to reduce the use of office supplies and printing, recent market research
by AMI - Partners has found, and many
plan to prolong the life of basic computing hardware
such as PCs and printers as the recession wears on.
«With
such strong consumer loyalty and deferred payment
plans offered
by every single wireless service — consumers may be unhappy with the price hike, but will eventually shell out the money anyway,» Fluent wrote in its study.
Close to 30 percent of Americans don't even have a retirement account —
such as an employee - sponsored 401 (k)
plan or an individual retirement account, according to a recent study
by Personal Capital.
The central bank seeks to measure confidence
by asking a group of 100 companies about things
such as their hiring and investment
plans for the 12 months ahead.
Once you've put
such a
plan in place, ideally
by the time you're in your forties, «the
plan should be able to survive everything except major changes in your life,
such as the death of a close family member or failure of part of your business,» says Dick Cummins, director of personal financial services in Coopers & Lybrand's New York City office.
These dollars can pay for deductibles, unreimbursed portions of medical bills, or items not otherwise covered
by the health
plan,
such as vision or well - baby care.
Forward - looking statements are typically identified
by words
such as «expect», «anticipate», «believe», «foresee», «could», «estimate», «goal», «intend», «
plan», «seek», «strive», «will», «may» and «should» and similar expressions.
According to a survey last month of 100,000 sellers on Facebook
by commerce platform vendor Payvment, 39 percent of respondents report having used Facebook Ads, «making this the most prevalent marketing tactic used
by sellers to drive traffic to their stores beyond general Facebook marketing —
such as promotions and deals posted to their wall — and nearly 70 percent of respondents say they
plan to use Facebook Ads again.»
Forward - looking statements can be identified
by the use of the future tense or other forward - looking words
such as «believe,» «expect,» «anticipate,» «intend,» «
plan,» «estimate,» «should,» «may,» «will,» «objective,» «projection,» «forecast,» «management believes,» «continue,» «strategy,» «position» or the negative of those terms or other variations of them or
by comparable terminology.
CBO's measure of before - tax comprehensive income includes all cash income (including non-taxable income not reported on tax returns,
such as child support), taxes paid
by businesses, [15] employees» contributions to 401 (k) retirement
plans, and the estimated value of in - kind income received from various sources (
such as food stamps, Medicare and Medicaid, and employer - paid health insurance premiums).
For participants in the IBM Stock Fund investment alternative under the IBM 401 (k) Plus
Plan: In order to have the Trustee vote your shares as you direct, you must timely furnish your voting instructions over the Internet or
by telephone
by 12:01 a.m. EDT on April 25, 2016, or otherwise ensure that your card is signed, returned and received
by such time and date.
With respect to the exercise of stock appreciation rights, the gross number of Shares covered
by the portion of the exercised award, whether or not actually issued pursuant to
such exercise, cease to be available under the 2013
Plan.
By 2016,
such plan may possibly see the light.
ESOP Debt Guarantee represents all transactions related to a company's Employee Stock Ownership
Plan (ESOP),
such as shares / debt / loans owned
by ESOP.