Sentences with phrase «change into your savings»

Let your 4 - year - old help you drop spare change into a savings jar.

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.

The numerous changes to the tax code provide a lot of income - tax planning opportunities, which can translate into more retirement savings.

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.

Forbes» Garrett Gunderson attests that this sturdy principle changed his life: «In hard times, when every extra penny went to sustaining my business, I still found a way to stick 15 percent of my income into our personal savings account every single month.

These profound changes send the message that there is no longer any tangible recognition of the risk B.C.'s women and men take when they walk away from secure jobs and pensions, to invest their savings into starting their own small business; businesses that create new tax revenues by providing employment, paying suppliers, and collecting GST and income taxes.

Darin Kingston of d.light, whose profitable solar - powered LED lanterns simultaneously address poverty, education, air pollution / toxic fumes / health risks, energy savings, carbon footprint, and more Janine Benyus, biomimicry pioneer who finds models in the natural world for everything from extracting water from fog (as a desert beetle does) to construction materials (spider silk) to designing flood - resistant buildings by studying anthills in India's monsoon climate, and shows what's possible when you invite the planet to join your design thinking team Dean Cycon, whose coffee company has not only exclusively sold organic fairly traded gourmet coffee and cocoa beans since its founding in 1993, but has funded dozens of village - led community development projects in the lands where he sources his beans John Kremer, whose concept of exponential growth through «biological marketing,» just as a single kernel of corn grows into a plant bearing thousands of new kernels, could completely change your business strategy Amory Lovins of the Rocky Mountain Institute, who built a near - net - zero - energy luxury home back in 1983, and has developed a scientific, economically viable plan to get the entire economy off oil, coal, and nuclear and onto renewables — while keeping and even improving our high standard of living

Since then I have been trying to raise awareness about this issue, refused to go to games and hand over a penny, convinced many Arsenal fins in real life to put the money they would spend into a savings account to spend once things change at Arsenal.

Lead author Dr. Peter Alexander, of the University of Edinburgh's School of GeoSciences and Scotland's Rural College, said: «A mix of small changes in consumer behaviour, such as replacing beef with chicken, reducing food waste and potentially introducing insects more commonly into diets, would help achieve land savings and a more sustainable food system.»

Over and above that, 10 % of the annual savings from the policy changes built into this bill will go back into the pension system.

The fuel savings are gained from use of fuel - efficient direct - injection technology, and engineers cut 8 pounds off the overall engine weight via a thinwall crankcase casting, exhaust headers that are integrated into the cylinder head and changes to the bearings.

The recent changes, which went into effect on October 2nd, can result in thousands of dollars in savings each year in the -LSB-...]

A modest change in your generic risk equation can translate into significant interest rate savings on a loan.

Keep a change jar / piggy bank and put all of your loose change in it and deposit it into your savings every couple of months

Before entering into a mortgage refinance loan, homeowners typically use one of many online mortgage calculators, which are tools that help determine which available loan option is the best, and if the costs of refinancing are justified by the savings derived from changing the terms of their loans.

Bank of America, among other banks, allows customers to have their debit card purchases rounded up and for the change to be deposited into their savings account.

Swap your gardening skills for an oil change and put the money you would have spent into your savings.

If you're planning to buy a car in the next year, putting your savings into a 30 - year bond fund would put you at serious risk of losing money as interest rates change.

Your results will provide insight into how long your savings will last and what changes you can make to achieve your goals.

In 1983, Washington Mutual de-mutualized and converted into a capital stock savings bank, later changing their name to Washington Mutual Bank in 1994, and finally ceasing operation in 2008, just 14 years later.

What would change if this person decided to invest that $ 10,000 a year into a retirement account instead of a savings account?

If you changed jobs recently, you probably had to dip into your savings to pay the bills during the transition.

As time moved toward the date that I would payoff my last credit card, I changed my allocation to push more money into my savings account than towards my debt.

The way it works is for every amount you spend, your bank will round up the change to the nearest dollar and transfer this amount into a savings account.

Joe Turney: Well, basically I woke up and took some financial classes and learned about real estate and investing, and decided to make a change... So I took a second full - time job for a year, and got some savings accounts built up, and took that savings account and turned it into the real estate that we have today.

Since spare change can add up, keep a jar for loose coins and deposit it into your savings account once it's full.

One, called «Keep the Change,» is an automatic rounding up on debit purchases that is then deposited into your savings account.

Savings rates are displayed in terms of APY to indicate the effective annual - interest return when taking the effect of compounding interest into account (assuming that the deposit balance does not change.

Even though you're going into this with a «set it and forget it» mentality, a positive change in your financial situation, such as a raise at work, means it may be time to modify the amount you send to your savings account each month.

Instead of putting your change in a jar after spending money, it would automatically go into your savings account.

Once you have a comfortable safety net there is little point in padding it further unless your circumstances change significantly, and you would probably be better off diverting your savings into longer term (and hopefully better performing) investments.

BofA's «Keep the Change» eliminates this issue by rounding up every debit card transaction to the next dollar and automatically depositing the «change» into your savings acChange» eliminates this issue by rounding up every debit card transaction to the next dollar and automatically depositing the «change» into your savings acchange» into your savings account.

This helps accumulate savings much more quickly than the spare change method and the saved money can be deposited into your savings account once or twice per year.

Your lump - sum savings are translated into a stream of payments that does not change.

You may also be interested in the Acorns Savings Tool to invest your spare change from everyday purchases into a diversified portfolio.

Use this form if your employer offers direct deposit through payroll and you want to have money automatically deducted from your paycheck and deposited into a Direct Portfolio savings account, or if you want to change your existing direct deposit instructions.

Acorns is a savings app designed to turn small change from online transactions into long - term savings.

Since then, they've undergone a lot of changes to expand their membership to include anyone in the U.S. Membership details: A one - time $ 5 deposit into a Bethpage savings account enables you to become a member of the credit union.

Bank of America's «Keep the Change» program lets you automatically round up purchases to the nearest dollar and transfer the «change» into your savings acChange» program lets you automatically round up purchases to the nearest dollar and transfer the «change» into your savings acchange» into your savings account.

If you already have an IRA housed with Fidelity that you would max out each year anyway, you aren't increasing your savings by depositing cash back rewards into it, you're just changing the funding stream.

This season, fall into energy savings with heating tips from ENERGY STAR and enjoy lower energy bills, increased home comfort, and the warm feeling that comes from knowing you're helping reduce the emissions that contribute to climate change, making a difference in the environment for your family and generations to come.

The government has argued it can use «flexibilities» built into the Climate Change Act to carry forward over-achievement against earlier budgets, whereas the CCC says any extra savings should go towards raising ambition.

If an organization raised $ 1,000,000, and then put $ 100,000 into savings, spent $ 1,000 on climate change issues and $ 899,000 on tax reform, criminal justice reform, and Medicare reform, the group's entire $ 1 million income was included in the Brulle Number.

Similarly, analyses consistently show the costs of the UK's Climate Change Act will be more than offset by a combination of fuel savings, avoided climate impacts and reduced air and noise pollution, even before wider economic impacts in terms of jobs and growth are taken into account.

By reinvesting these savings into renewable energy, energy efficiency, education, health care, and targeted social protection schemes for adaptation to climate change, countries have major opportunities to support the delivery of the both the Paris Agreement and the Sustainable Development Goals.

To make any significant inroads into premises cost savings, firms will need to make substantial changes to their way of working, such as hot desking, home working or paper free working.

Justice Secretary Michael Gove said he did not accept the Justice Committee's findings that the Ministry had «largely failed to achieve [its] wider objectives for reform beyond achieving savings», in his response to the Committee's report into the impact of the changes to civil legal aid under Part 1 of LASPO (Legal Aid, Sentencing and Punishment of Offenders Act), published this week.

Anna comments in The Financial Times on spouses being in the dark over pension transfers after the changes which came into force in April and gave over-55s full flexibility to do as they wish with savings built in so - called «defined contribution» pensions.

Looming changes to the Income Tax Act introduce a «whole new world» to the future of estate planning in Canada, calling into question the value of the use of trusts as a tool to achieve tax savings on investments.

While trusts may well continue to be used for estate planning, they are no longer so effective as a tax - savings tool for the wealthy when the changes come into effect Jan. 1.