Sentences with phrase «decrease in income for»

Neither forbearance nor deferment count as default on a student loan which is incredibly beneficial for borrowers who may experience unexpected unemployment or a significant decrease in income for a period of time.

Not exact matches

For the full - year 2013, it reported $ 6.7 million in net income on $ 137 million in revenue, a 55 percent decrease from 2011, when GrubHub reported $ 14.8 million in profits on $ 60 million of sales.

This change resulted in a decrease in previously reported net sales and an increase in operating income for total year 2017 of $ 1 million and $ 42 million, respectively, in the Electronics and Energy segment, offset by a corresponding increase in net sales and decrease in operating income within Corporate and Unallocated.

(2) Adjusted to eliminate SBC expense (as adjusted for the income tax reduction attributable to SBC expense), expense related to contingent compensation, foreign exchange losses as adjusted for the reduction in income tax attributable to the losses, losses from repurchases of convertible debt (as adjusted for the related decrease in income tax), amortization of debt discount (as adjusted for the related reduction in income tax).

For comparison, a single - income person moving from Cambridge, Massachusetts to Portland, Oregon earning $ 80,000 a year would see a 10 % decrease in cost of living on average, due to cheaper housing and food.

Other income for the Direct Banking segment decreased $ 21 million from last year's second quarter as a result of lower late fees, lower transition services revenue related to the Student Loan Corporation and a decline in protection products revenue.

Still, for a given level of home country bias, increased corporate income tax in that home country is likely to decrease the level of investment in that country.

Between August 2012 and December 2013, housing market has been recovering with big increases in home prices, however, disposable personal income has been decreasing for the entire year of 2013 and dropped by 4.8 % in the last month of 2013.

Such a huge decrease in the top income tax rate for LLCs would suddenly make condo development a lot more appealing in relation to rental development.

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.

For the higher - income $ 100,000 per year spenders who rely on portfolio withdrawals for a bigger portion of their retirement, these distributions would also decrease in nominal terms over these two decades, assuming Social Security benefits were $ 40,000 with 2 percent inflatiFor the higher - income $ 100,000 per year spenders who rely on portfolio withdrawals for a bigger portion of their retirement, these distributions would also decrease in nominal terms over these two decades, assuming Social Security benefits were $ 40,000 with 2 percent inflatifor a bigger portion of their retirement, these distributions would also decrease in nominal terms over these two decades, assuming Social Security benefits were $ 40,000 with 2 percent inflation.

We have a president that received no vetting from CNN or those who voted for him and look what we got... a partisan ideologue who has brought the number of Americans who need food stamps to a record high, embraced policies that have resulted in 23 million Americans unemployed or under - employed, decreased household incomes by $ 4000 annually, increased the number of Americans dependent on the federal government to nearly 50 % and appointed dozens of «czars» who we know nothing about and who were also never vetted.

Straus and Bacon, for example, in their study of over 15,000 college students, found that the incidence of abstention from alcohol on the part of the parents decreased in each category as they moved from lower to higher family income.

This means that during the rest of the year he must somehow make up for the time lost or suffer a proportional decrease in his annual income.

The research suggests, therefore, that while the overall trend is for the viewing of religious programs to decrease as educational and income level increases, changes in the composition of the audience can be effected through the particular format and content adopted.

In July 2010, only 15 children received Summer Nutrition for every 100 low - income students who received lunch on an average day in the 2009 - 2010 school year, a significant decrease from 2009's ratio of 16:10In July 2010, only 15 children received Summer Nutrition for every 100 low - income students who received lunch on an average day in the 2009 - 2010 school year, a significant decrease from 2009's ratio of 16:10in the 2009 - 2010 school year, a significant decrease from 2009's ratio of 16:100.

You also fail to remember that the Assembly one house bill was much more favorable to low income and working class New Yorkers, but John Boy — in his drunken stupor held out for bigger decrease for wealthy Pub donors.

If he believes that the state's tax structure is a job - killer and one of the chief reasons why upstate New York remains mired in a permanent recession, he ought to ask for broader tax cuts, including a decrease in the state's personal income tax rate, which tops out at nearly 9 percent (that does not include the additional tax burden placed on city residents, who pay up to 3.8 percent in personal income taxes.)

For years the RGB approved higher rent adjustments, despite evidence that increases in landlord income and decreases in operating costs didn't warrant them.

If the student, conscientious about time management and studying, explains that the job pays for needs such as the financial support of her family and there are not too many wants to sacrifice, then you will need to discuss either potential income sources that would negate the need to work full - time or a decreased course load so that the student will have enough time to do what is necessary to do well in her courses.

Unfavorable quality - of - life ratings for peer colleges are followed by decreases in a college's own application pool and the academic competitiveness of its incoming class.

While there was a 45 percent drop in the uninsured rate for individuals earning more than $ 16,000 a year, the decrease was only 20 percent for those with lower incomes.

Blaney's argument is relevant, considering that Pennsylvania's private universities accounted for 60 % of the state's minority bachelor's degrees in math, science, and engineering, despite the significantly higher tuitions.9 There is evidence to show that decreasing and eliminating debt for lower - income students would likely increase the number of minority students majoring in science and engineering at elite schools and overall.

Our study, along with prior studies, supports the notion that «cognitive reserve» resulting from early - life and lifelong education and cognitive stimulation may be a potent strategy for the primary prevention of dementia in both high - and low - income countries around the world.21 However, it should be noted that the relationships among education, brain biology, and cognitive function are complex and likely multidirectional; for instance, a number of recent population - based studies have shown genetic links with level of educational attainment, 22,23 and with the risk for cognitive decline in later life.24 Higher levels of educational attainment are also associated with health behaviors (eg, physical activity, diet, and smoking), more cognitively - complex occupations, and better access to health care, all of which may play a role in decreasing lifetime dementia risk.

In its latest Financial Report, Capcom reported a sales decrease for the previous nine months, but an increase in operating income and ordinary incomIn its latest Financial Report, Capcom reported a sales decrease for the previous nine months, but an increase in operating income and ordinary incomin operating income and ordinary income.

Safe economic opportunities for women decrease the risk of exposure to gender - based violence (WRC 2011) while women's incomes raise their status in the household (WEAVE 2011).

«From these findings, we know that naturally occurring decreases in family income - to - needs were associated with worse developmental outcomes for children from poor families,» says Dearing, who coauthored the study with Kathleen McCartney, a professor at HGSE, and Beck Taylor, an economist at Baylor University.

The costs of these gaps (most commonly associated with low income, limited education, and minority group status) are reflected in higher school dropout rates, lower economic productivity, decreased social mobility, increased need for medical services, and higher rates of incarceration.

A decreased Title I allocation is challenging for a district because it can result in fewer district schools receiving funds under Title I. Under Title I school allocation rules, many schools with high numbers of low - income children do not receive support from Title I because they are surrounded by other schools that are even poorer, so the Title I money «runs out» before those schools have the opportunity to receive funds.

In reality, most districts take a different approach to health insurance for their employees, including higher deductibles and co-pays that compound the massive decrease in household income for educatorIn reality, most districts take a different approach to health insurance for their employees, including higher deductibles and co-pays that compound the massive decrease in household income for educatorin household income for educators.

Combining baseline adjustments, treatment attenuation effects, and prior preschool attendance attenuation effects, we assume that non-low-income children experience 42 percent of the reduction in the need for special education, 21 percent of the decline in grade retention, 12 percent of the reduction in child maltreatment, 42 percent of the drop in juvenile and adult crime, 26 percent of the lessening of depression, and 37 percent of the decrease in smoking experienced by low - income children.28

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the effect of the proposed separation of NOOK Media, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, including store closings, higher - than - anticipated or increasing costs, including with respect to store closings, relocation, occupancy (including in connection with lease renewals) and labor costs, the effects of competition, the risk of insufficient access to financing to implement future business initiatives, risks associated with data privacy and information security, risks associated with Barnes & Noble's supply chain, including possible delays and disruptions and increases in shipping rates, various risks associated with the digital business, including the possible loss of customers, declines in digital content sales, risks and costs associated with ongoing efforts to rationalize the digital business and the digital business not being able to perform its obligations under the Samsung commercial agreement and the consequences thereof, the risk that financial and operational forecasts and projections are not achieved, the performance of Barnes & Noble's initiatives including but not limited to its new store concept and e-commerce initiatives, unanticipated adverse litigation results or effects, potential infringement of Barnes & Noble's intellectual property by third parties or by Barnes & Noble of the intellectual property of third parties, and other factors, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 30, 2016, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

For example, if you would have had 100 % of your non TSP investments in the Vanguard Wellesley Income Fund (VWELX) before the last bear market started in 2008 your investment would have only decreased approximately 9 % compared to a more than 50 % drop in the DOW & S&P indexes and you would have recovered all of your losses in less than a year!

For example, if you increase your monthly 401K contribution amount by $ 500, and you're in the 30 % tax bracket (between federal and state income taxes), your take home pay will only decrease by $ 350 vs. the full $ 500 (more on 401K payroll deductions here).

The homeowner must have experienced a 15 percent decrease in income to qualify for help.

If you fail to meet IRS qualifications for your primary residence and must relocate due to uncontrollable circumstances such as a decrease in income or a job transfer, you may still qualify for a partial tax exemption on your home sale profits.

These dollars can be used in the future for whatever purpose the policy owner desires — to help pay educational tuition, to help make a down payment on a home, or to supplement retirement income if the insurance needs decrease.

In general, the effect of the election is to slightly decrease the rate at which the market discount is deemed to accrue, which will generally produce a beneficial result for the bondholder by reducing the amount of ordinary income recognized on a sale of the bond prior to maturity.

In a taxable account, I would favor buying at a premium since this would decrease the taxable amount that you would pay, but only slightly, for the same income stream.

The expenses increased faster than income for the first eight years, but the ratio decreased quickly starting in year nine.

«Basically, the amount of deductible interest decreases by the amount of the ROC in the Income Fund side of the equation; but increases by a greater amount, as the funds are advanced from the HELOC for the purpose of investment on the Wealth Fund side of the equation.»

Prepare to explain any significant year - over-year decrease in income when you apply for a mortgage as a self - employed borrower.

Decreases in self - employment income year - over-year can be a major red flag, and lenders will often want a written explanation for the drop, not to mention confidence that you can make those mortgage payments.

The decrease in dividend income in the Retirement portfolio is due to the odd payment schedules for Pepsi (PEP) and Disney (DIS)-- which both pay out in January but not in April.

For example, if a CEO has a very large stock holding in his or her company but doubts the stock price will increase (or decrease much), writing (selling) options on the stock to collect a premium may be a good solution to earn some extra income.

There are already signs the debt - to - income ratio has peaked (it ever - so - slightly decreased in the last quarter, for example) and a rate hike could cause it to slow further or flatline.

One reason people give for preferring Treasuries to CDs, at least for part of the fixed - income portion of the portfolio, is that in a financial crisis, like we saw in late 2008, Treasuries can increase in value when stocks decrease in value, allowing you to sell the Treasuries at a profit to rebalance into stocks.

The 2015 Earned Income Tax Credit begins to decrease in value at an Adjusted Gross Value (AGI) of $ 8,240 for individuals with no Qualifying Children, and $ 18,110 for individual taxpayers with one or more Qualifying Children.