Sentences with phrase «decrease in income which»

Not exact matches

Also included is rent, which tracks the health of the overall economy similar to «good» categories, but decreases disposable income without a coincident rise in asset wealth.

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.

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.

A contentious issue, particularly between the mainline churches, the income of which in the 1960s and 1970s has been decreasing, and the religious

One of the long - lasting lessons of the Great Depression is that raising trade barriers to save jobs easily cascades into a cycle of retaliation, which in the end decreases trade, income and jobs.

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.)

The report draws on government and trade statistics, academic evidence and economic theory to challenge arguments that the health and social benefits of reducing alcohol consumption are likely to come at a cost to the economy, finding: · Any reduction in employment and income resulting from lower spending on alcohol would be offset by spending on other goods · Econometric analysis of US states suggests that a 10 % decrease in alcohol consumption is associated with a 0.4 % increase in per capita income growth · Lower alcohol consumption could also reduce the economic costs of impaired workplace productivity, alcohol - related sickness, unemployment and premature death, which are estimated to cost the UK # 8 - 11 billion a year The analysis comes at a timely moment, with health groups urging the Chancellor to raise alcohol duty in next month's Budget.

«A decrease in general health status that reduces happiness is statistically valued by the amount of family income it would take to completely reverse this reduction in happiness, so that happiness is the same as it was before the decrease in general health status occurred,» Brown stated in the study, which concluded that a year spent in good or excellent health instead of poor or fair health could be valued at $ 41,654.

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.

If more revenue comes from property tax which, generally speaking, is a more stable stream than sales and income tax that comprise so much of the State's GF, the district will have less exposure to decreases in state - supported LCFF funding.

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.

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.

A traditional IRA or 401k is when you can deduct the contributions on your taxes in the year you make them, which decreases your taxable income.

The decrease in net income was due to higher raw materials, marketing and selling costs, along with the company's decision to transition its focus away from groundwater pumping equipment to surface water pumping equipment, which further increased costs.

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.

On the other hand, if too much dept is accumulated relative to income levels, economic activity may decrease in order to ensure the return of debts, which in turn might lower the currency price.

Offering a special sale may decrease the amount of income you generate per product or service, but sales can help to increase the volume of the sales you make, which means you bring in more money in the long - term.

In the second scenario, you have a much greater income which will only grow over time, while your debt decreases.

Most of my colleagues who don't want to leave their homes on retirement are just planning to pay their debts off, which will offset the decrease in income.

Consequences might include: (1) a constantly increasing debt burden (as interest accrues and due to high collection agency costs), (2) a decreasing credit score (making it difficult to borrow money in the future), and (3) default... which can lead to... (4) garnished wages (up to 15 % of disposable income), (5) withholding of your tax refunds... the list goes on and on.

However, this also factors in the loss of dividend income from Kinder - Morgan, which I have sold, and the decreased dividend of KKR.

Operating income for the sector decreased by # 180 million ($ 280m) to nearly # 12million ($ 18m), which Sony blamed on declining hardware sales of PS3, Vita and PSP hardware and the impact of a price reduction on the Vita in Japan which took place February.

In just 5 years it was responsible for a 2 % decrease in low clouds (the kind that reflect incoming solar radiation by day) which, in turn, equates to an increase in surface warming of 1.2 Wm - 2 from incident radiation — equivalent to some 85 % of the IPCC's estimate for the effect of all carbon dioxide increase since the Industrial RevolutioIn just 5 years it was responsible for a 2 % decrease in low clouds (the kind that reflect incoming solar radiation by day) which, in turn, equates to an increase in surface warming of 1.2 Wm - 2 from incident radiation — equivalent to some 85 % of the IPCC's estimate for the effect of all carbon dioxide increase since the Industrial Revolutioin low clouds (the kind that reflect incoming solar radiation by day) which, in turn, equates to an increase in surface warming of 1.2 Wm - 2 from incident radiation — equivalent to some 85 % of the IPCC's estimate for the effect of all carbon dioxide increase since the Industrial Revolutioin turn, equates to an increase in surface warming of 1.2 Wm - 2 from incident radiation — equivalent to some 85 % of the IPCC's estimate for the effect of all carbon dioxide increase since the Industrial Revolutioin surface warming of 1.2 Wm - 2 from incident radiation — equivalent to some 85 % of the IPCC's estimate for the effect of all carbon dioxide increase since the Industrial Revolution.

Between FY 2010 and FY 2017, LSC funding has decreased by roughly 14 % (adjusted for inflation), which has resulted in a reduction of funding for NJP and, subsequently, a reduction of services for low - income people in need of legal aid.

The taxpayer argued in the alternative that it was entitled to rely on subsection 10 (1) of the Act and section 1801 of the Regulations to the Act, which allow for a decrease in the fair market value of inventory below its cost at year - end to be recognized in a taxpayer's income for the period.

In Innes v. Innes, the 62 - year old support - paying husband decided to take voluntary early retirement, which meant his income would decrease from $ 200,000 to about $ 70,000 per year.

In case of Decreasing Term option (Family Income Benefit), the nominee gets regular monthly incomes from the date of death of the life insured which can also be withdrawn at a lump sum immediately where the discounted value of the monthly income iIncome Benefit), the nominee gets regular monthly incomes from the date of death of the life insured which can also be withdrawn at a lump sum immediately where the discounted value of the monthly income iincome is paid

• Reorganized budgeting and expenses processing systems by overhauling both procedures and introducing efficient modules • Implemented an automated VAT returns systems which decreased tax return inefficiency by 50 % • Introduced a dynamic, online income and sales systems which increased ease of calculations as opposed to the regular standalone one • Reconciled a lengthy income report, spanning 15 years within the record time of 3 days • Identified a discrepancy in the profit and loss account, saving the company $ 15000 in income unaccounted for • Introduced the concept of «suspense accounts», effectively ensuring compliance with standards accounting principles • Singlehandedly managed petty cash disbursement and bookkeeping for 5 departments across 15 offices, 3 of which were in countries outside the US • Audited an entire paper bookkeeping system within 15 days, well within the deadline of 25 days • Converted the paper accounting system into electronic, resulting in increased efficiency at 88 % • Led a series of training sessions to provide a solid accounting background to trainees and accounting interns • Suggested incorporation of client - related accounting information into the main client database, making it easy to follow up on defaulted clients • Acquired 85 % of all outstanding debits within 5 months, following dedicated follow - up procedures

• Introduce «menu selling» procedure which significantly streamlined customer handling tasks • Decrease interest paid by the customer, resulting in increased customer satisfaction, while keeping revenue at par with earlier financial years • Close a lucrative deal with a multinational company, which resulted in $ 850,000 of revenue each year for the next 7 years • Confer with clients looking for financing and insurance coverage options for their vehicles • Provide customers with information on how to handle financing and insurance coverage by giving them a list of possible options • Make financing arrangements with a view of minimizing impact on the selling gross of the company • Create and maintain relationships between financers and borrowers by placing clear instructions and timelines • Tie customers close to dealerships in a bid to ensure return business opportunities • Create and administer vehicle service contracts, offering mechanical coverage in a bid to generate F&I income • Control paperwork once deals are closed and ensure that all information from the customers» end is complete and accurate • Train and educate sales people to deliver information regarding the benefits of protective products

• Introduced core office systems which resulted in increased efficiency of work processes • Implemented a novel filing system which dynamically assigned library numbers to folders and files • Reorganized the office supplies inventory system, incorporating a module that sounded alarms when the inventory for any item went lower than 30 % • Decreased office supplies cost by $ 58000 by switching from an expensive supplier to a cheaper one who offered the same quality • Set up a core system to organize incoming mail which eliminated distribution hurdles completely • Streamlined the client scheduling system, resulting in increased communication between office and clients • Singlehandedly prepared a plethora of materials, now being used for all workshops and conferences that the company organizes • Introduced and implemented a forms processing system, resulting in a 50 % decrease in processing time • Successfully implemented a client information system, decreasing information pulling time by 80 % • Scheduled 3 meetings and a large annual event simultaneously, without a single evident problem in any of the 4 occasions • Reduced executives» travel expenses by 50 % by incorporating the services of a less expensive travel agent

• Implement an advanced inventory reporting system which resulted in higher reporting efficiency • Introduce a performance monitoring system which decreased problems in obtaining vendor services by 50 % • Develop and implement procedures and processes to ensure adequate levels of inventory • Issue supplies, materials and equipment to designated persons by manually pre-picking items or overseeing picking duties • Manage incoming and outgoing shipments by overseeing them and ensuring that related activities are properly carried out • Determine space requirements and position of shipments in box cars and trucks

Context In a natural experiment in which some families received income supplements, prevalence of adolescent behavioral symptoms decreased significantlIn a natural experiment in which some families received income supplements, prevalence of adolescent behavioral symptoms decreased significantlin which some families received income supplements, prevalence of adolescent behavioral symptoms decreased significantly.