As anyone who's ever tried to
cash in on travel insurance knows, there are lots of caveats.
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.
As part of United's crisis management, the airline said late Wednesday that all passengers
on Sunday's United Express Flight 3411 are getting reimbursement equal to the cost of their tickets, which can be taken
in cash,
travel credits, or miles.
Prior to the enactment of NAFTA
in 1994, companies regularly paid as much as 30 percent taxes
on goods
traveling between Canada, Mexico and the U.S. — making it near impossible to trade internationally for smaller,
cash - constrained firms.
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.
These days when I
travel, I make sure that the cards I bring don't have the fees, and — unless I'm
in a country or area where
cash is particularly preferred — I put most of my spending
on the card without coming home to surprise charges.
Ultimate Rewards (earned from the Sapphire Reserve / Preferred) can be used at a fixed - value when booking through UltimateRewards.com but can also be worth more when transferring to
travel partners like Hyatt or United where you pay a fixed number of points
in those programs which are not dependent
on the
cash cost of that room / flight otherwise.
As 2016 closes, I'm proud ashamed to say that we're
on pace to actually beat that amount, with just north of $ 5,100
in cash and
travel year - to - date.
If you have one, a few or many employees who are consistently spending money
on business affairs for your company, supplying them with company credit cards may save your business hassle
in expense reporting and give you perks
in travel or
cash rewards.
You'll earn rewards, like
cash back or
travel points,
on your purchase, and get a bit of time to pay off your balance before interest kicks
in.
Cards with great
travel or
cash back rewards will cost you more
in the long run if you're constantly paying a high interest rate
on your balance.
50,000 Ultimate Rewards points are worth $ 500
in hard
cash, $ 625
in travel booked through the Ultimate Rewards program, or even more when you transfer them out to
travel partners (more
on that later).
New cardholders earn 50,000 bonus points, worth $ 625 when redeemed for
travel with Chase Ultimate Rewards ® (or $ 500 for
cash back), after spending $ 4,000
on purchases
in the first three months from account opening.
If you're less interested
in travel and you're entirely focused
on getting
cash back
in your pocket, then this is the way to go.
Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines
in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of
travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments
in new markets; breaches
in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes
in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of
cash to service our existing debt; restrictions
in the agreements governing our indebtedness that limit our flexibility
in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions
in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations
in foreign currency exchange rates; overcapacity
in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance
on third parties to provide hotel management services to certain ships and certain other services; delays
in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases
in the price of, or major changes or reduction
in, commercial airline services; seasonal variations
in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments
in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes
in which we operate; and other factors set forth under «Risk Factors»
in our most recently filed Annual Report
on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.
Trump, whose campaign has just $ 1.3 million
cash on hand, paid at least $ 1.1 million to his businesses and family members
in May for expenses associated with events and
travel costs.
Mr. Ankrah admitted he was
in the UK, but said he
traveled there purely for party activities discounting claims he was at a club where he showered
cash on the said strip girls.
Pataki is using the
cash he raises through Revere America to
travel the country and call for the repeal of «Obamacare» and also run TV ads against select Democratic House candidates
in New York and New Hampshire (ahem, 2012) who voted «yes»
on the health care reform law.
I LOVE NY «
Cash and
Travel» Lottery Game: First announced
in July at the 2015 Summer Adirondack Challenge, the I LOVE NY
Cash and
Travel lottery game officially hit stores
on October 13 and is now available for purchase at lottery retailers across the state.
While
on the «Ride the Catskills» Motorcycle Tour, the Governor also announced additional investments to strengthen tourism
in Upstate New York: the launch of the I LOVE NY «
Cash and
Travel» Scratch - Off Game from New York Lottery and the kick - off of the «Win What You Love» marketing campaign and the launch of the «Ride the Catskills» website.
Assemblymen want to stop elected officials and state employees from
cashing in on frequent flier
travel miles, free hotel stays gained as a result of taxpayer - funded official state
travel
The steep discount
on the $ 12
cash toll rate is
in direct response to the criticisms and laments of Islanders who
travel back and forth to New Jersey just a couple of times a month to shop, see family or visit the Shore, making them ineligible for the 10 - trip discount.
People who choose to
travel on whatever is left over each month and the extra
cash earned from private lessons taught to adorable children
in the evenings.
Disney
cashes in on one of its most storied properties with this retrograde live - action fairy tale, which time -
travels back to 1950 while adding plenty of sparkly 21st - century CGI effects.
Stop me if you've heard this one before: a gruff CIA agent who suffers from PTSD and sees re-animated corpses at random moments is ordered to
travel to the UK and hire Stanley Kubrick to film a fake moon landing that the American government can use
in case the Apollo 11 mission turns out to be a tragic failure, only the agent (who is played by Ron Perlman, by the way) ends up giving a suitcase full of
cash to a failed band manager and his perpetually stoned friend who looks a little bit like Stanley Kubrick, and those two idiots get robbed by the local mafia thugs right before Agent Ron Perlman realizes his mistake and threatens to kill everyone involved — and THEN the idiotic band manager (who is played by Rupert Grint, by the way) proposes that they all head off to film the fake moon landing with the help of a artistic hippie commune run by an egotistical dolt who can't understand why he can't put giant jellyfish
on the moon.
Some of the useful features included are being able to track business, personal, and
travel expenses quickly, interactive reports and graphs to analyze income, expenses,
cash flow, and balances over custom time periods, being able to set monthly budgets by account or category, receive notifications for upcoming and overdue bills, export transactions to load to other applications including Quicken, backup data
on SD card, and track multiple accounts
in multiple currencies.
This way, if a
cash back credit card provides a user with 2 %
cash back
on travel purchases, while a points card produces a 3 % rewards rate, we can generally recommend the latter to consumers interested
in travel rewards.
For example, Bank of America Preferred Rewards offers perks that really come
in handy for
travel — such as no - fee ATM transactions, credit card
cash back or points bonuses of up to 75 percent and waived fees
on everyday banking services.»
Based
on average spending, the average millennial who
travels could enjoy $ 343 a year
in rewards with a
cash - back card, which is $ 25 more than with a
travel rewards card — and $ 343 more than he or she is getting now using a debit card.
If you're less interested
in travel and you're entirely focused
on getting
cash back
in your pocket, then this is the way to go.
If a particular airline, hotel, or
travel card you are interested
in offers anything less than 1.5 % back
on general spending, or a specialized category, you should consider going with a
cash back card instead.
On average,
travel cards offer higher sign - up bonuses
in the first year than
cash - back cards do; therefore,
travel cards net the most rewards for most people for the first few years.
Often, while a
travel, airline, or hotel card may offer a discount
on a particular brand of products a consumer desires, using a
cash back card for the purchase may
in fact produce a better net value.
Many of the rewards come
in the form of
travel incentives, dining experiences,
cash back
on purchases, and merchandise.
The world of enjoying premium
travel benefits, paying for your trip with miles / points, earning
cash back
on your purchases, and knowing you have coverage / protection when things go wrong is a nice world to live
in.
Based
on a 1 cent per point value, this bonus can be worth $ 200
in cash back, award
travel, or gift cards.
But just to be
on the safe side, Jim should also set aside about $ 20,000
in cash to cover any unexpected
travel costs over the next five years.
It's not easy, but if you can do it, you'll have
cash to splurge
on exotic
travel, high - end vehicles and whatever else your heart desires
in your retirement years.
While typically thought of for airfare,
travel rewards points can be
cashed in on other
travel expenses that impact your road trip.
Some credit cards
in this category offer rewards that include
cash back
on travel and other purchases.
You can earn 5 %
cash back
on up to $ 4,000
in travel spending for the first six months.
General
travel credit cards, which allow you to use your points
on any
travel purchase regardless of the airline, hotel, rental car company, etc., generally offer between 1 % and 2 %
in travel points, which works the same as a
cash back rewards card.
Cashback is increasingly a better deal than
travel rewards, if for no other reason than that you get the
cash in your hot little hands
on a regular basis.
On the other hand, if you're using the Bank of America ®
Travel Rewards Credit Card in conjunction with Bank of America's Preferred Rewards Platinum Honors status and have enough travel expenses to make it a virtual 2.625 % cash back card all the time, then you probably have little need for an ongoing 2.5 % cash back card with a $ 59 annua
Travel Rewards Credit Card
in conjunction with Bank of America's Preferred Rewards Platinum Honors status and have enough
travel expenses to make it a virtual 2.625 % cash back card all the time, then you probably have little need for an ongoing 2.5 % cash back card with a $ 59 annua
travel expenses to make it a virtual 2.625 %
cash back card all the time, then you probably have little need for an ongoing 2.5 %
cash back card with a $ 59 annual fee.
Of course, you could still throw the TrueEarnings card
in there, too, for restaurant and
travel spending, after you'd hit the $ 6,500 mark
on the Blue
Cash, though the gains start to diminish as the complexity increases.
It gives users 4 %
cash back
on eligible gas purchases for the first $ 7,000 per year
in gas purchases, 3 % back at restaurants and
travel worldwide, and 2 % back
on all other Costco purchases.
In addition to the higher rewards
on travel bookings, Ink Plus ® Business cardholders are awarded 2 points per $ 1 spent
on hotel accommodations (instead of restaurants with the Ink Business
Cash ℠ Credit Card).
If you have one, a few or many employees who are consistently spending money
on business affairs for your company, supplying them with company credit cards may save your business hassle
in expense reporting and give you perks
in travel or
cash rewards.
On the other hand, if you have a lot of restaurant spend, perhaps for business travel, and your marginal reward rate on restaurant spending is more than the 0.375 % in this example, it can certainly make sense to add the Capital One ® Savor ℠ Cash Rewards Credit Card as one of your daily driver
On the other hand, if you have a lot of restaurant spend, perhaps for business
travel, and your marginal reward rate
on restaurant spending is more than the 0.375 % in this example, it can certainly make sense to add the Capital One ® Savor ℠ Cash Rewards Credit Card as one of your daily driver
on restaurant spending is more than the 0.375 %
in this example, it can certainly make sense to add the Capital One ® Savor ℠
Cash Rewards Credit Card as one of your daily drivers.
I put
travel charges
on an air miles card which gives air miles that are worth the same as 1 % back, so I'm better off using other cards for most purchases, but it pays 2 %
in air miles for
travel purchases (flights, car rentals, hotels, etc.) but monetarily it's the same as 2 %
cash on other cards.