Sentences with phrase «expected financial changes»

Would love to finish my bathroom, had to halt mid-remodel due to some expected financial changes...

Not exact matches

Actual operational and financial results of SkyWest, SkyWest Airlines and ExpressJet will likely also vary, and may vary materially, from those anticipated, estimated, projected or expected for a number of other reasons, including, in addition to those identified above: the challenges and costs of integrating operations and realizing anticipated synergies and other benefits from the acquisition of ExpressJet; the challenges of competing successfully in a highly competitive and rapidly changing industry; developments associated with fluctuations in the economy and the demand for air travel; the financial stability of SkyWest's major partners and any potential impact of their financial condition on the operations of SkyWest, SkyWest Airlines, or ExpressJet; fluctuations in flight schedules, which are determined by the major partners for whom SkyWest's operating airlines conduct flight operations; variations in market and economic conditions; significant aircraft lease and debt commitments; residual aircraft values and related impairment charges; labor relations and costs; the impact of global instability; rapidly fluctuating fuel costs, and potential fuel shortages; the impact of weather - related or other natural disasters on air travel and airline costs; aircraft deliveries; the ability to attract and retain qualified pilots and other unanticipated factors.

The high level of service you've come to expect should not change, and the same group of experts should continue to serve you for all of your wealth management and financial planning needs.

It's a fool's errand to guess where the financial industry will be in five, 10 or 20 years — whether we'll be banking on Facebook or with bitcoins — but we can expect rapid change, and Equitable Bank hopes to be moving in step.

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.

To avoid unexpected changes in financial aid, look into tuition trends and find out whether your family's finances are expected to change in the future.

The U.K.'s challenges are somewhat different from Canada's: as a result of the Conservative Party's austerity campaign, the U.K.'s economy has suffered more than Canada's, which has taken more of a Keynesian approach; and the City, as London's financial hub is known, has had a reputation for a much looser approach to regulation than that found in either Canada or the U.S. Tal says the U.K.'s finance sector has to change and he expects Carney will attempt to move it in the direction of greater regulation.

Investors who know their financial history understand that this type of what we might call «regime change» is to be expected.

Such risks and uncertainties include, but are not limited to: our ability to achieve our financial, strategic and operational plans or initiatives; our ability to predict and manage medical costs and price effectively and develop and maintain good relationships with physicians, hospitals and other health care providers; the impact of modifications to our operations and processes; our ability to identify potential strategic acquisitions or transactions and realize the expected benefits of such transactions, including with respect to the Merger; the substantial level of government regulation over our business and the potential effects of new laws or regulations or changes in existing laws or regulations; the outcome of litigation, regulatory audits, investigations, actions and / or guaranty fund assessments; uncertainties surrounding participation in government - sponsored programs such as Medicare; the effectiveness and security of our information technology and other business systems; unfavorable industry, economic or political conditions, including foreign currency movements; acts of war, terrorism, natural disasters or pandemics; our ability to obtain shareholder or regulatory approvals required for the Merger or the requirement to accept conditions that could reduce the anticipated benefits of the Merger as a condition to obtaining regulatory approvals; a longer time than anticipated to consummate the proposed Merger; problems regarding the successful integration of the businesses of Express Scripts and Cigna; unexpected costs regarding the proposed Merger; diversion of management's attention from ongoing business operations and opportunities during the pendency of the Merger; potential litigation associated with the proposed Merger; the ability to retain key personnel; the availability of financing, including relating to the proposed Merger; effects on the businesses as a result of uncertainty surrounding the proposed Merger; as well as more specific risks and uncertainties discussed in our most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.cigna.com as well as on Express Scripts» most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.express-scripts.com.

Scalable Capital expects the changing regulatory landscape in Europe to result in the need for financial institutions to increase investor protection, value for money and transparency.

All told, a «generational transfer» of $ 30 trillion in financial and non-financial assets is expected to change hands from U.S. baby boomers to their children over the next few decades.

But the impasse in Washington over the government's deficit and $ 14.3 trillion debt limit has led some global financial players to expect the change.

Everything related to money and what financial services do — we can expect there can be a lot of disruptive changes as a result of these technological advances.

Using the change in the underlying cash balance between financial years as an approximate indicator of the fiscal impact, the Commonwealth Budget is expected to add to growth by around 1/4 per cent of GDP this financial year, compared with a contractionary effect of around 3/4 per cent in 2002/03 (Graph 32).

Parents who are trying to teach older kids should expect that their job may be harder, said financial literacy advocate Susan Beacham, since they're changing mindsets rather than shaping them.

In fact, the company behind the food — which has received financial backing from the founders of Twitter and Silicon Valley venture capitalists KPCB — expects it to change the way we think about «meat» entirely.

This mayo is deelish and with financial backers like Bill Gates, expect HCF to be changing the way we think of vegan food in the very near future.

We are out of the woods financially speaking, and after all those years of support and undying loyalty (I'm aware some of us were supporting long before Wenger), we expect the tides to change and Arsenal using her new found financial muscle to start dominating the scene, which let's be honest has not really happened, the FA cup being the only compensation.

«We are changing the rules so that no - one can come to this country and expect to get out - of - work benefits immediately,» he told the Financial Times.

The changes in leadership come as the Thruway Authority faces financial trouble, possible toll increases and an expected investigation by state officials

The nature of the tenure - track position is also expected to change as financial constraints force institutions to hire even full - time faculty on limited contracts.

Changing the school calendar to four - day weeks is expected to save the district $ 1 million in the first year, but it's not only a financial consideration.

Actual results may differ materially from those expected because of various known and unknown risks and uncertainties, including, but not limited to, the continuing effects of the U.S. recession and global credit environment, other changes in general economic and industry conditions, the award or loss of significant client assignments, timing of contracts, recruiting and new business solicitation efforts, currency fluctuations, and other factors affecting the financial health of our clients.

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.

It is illegal to consider the racial, ethnic, religious or national origin composition of a neighborhood or geographic area surrounding a housing accommodation or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, or under what terms and condition, to provide financial assistance.

Well, that means our safe money, parked in cash accounts, can expect some rate changes; so I'd like to explore and review some updates on our high yield savings accounts at our favorite online banks and financial institutions:

In recent weeks, there's been an uptick on the rates charged by some credit card companies and financial institutions, and sure enough, the changes have rippled through the peer to peer lending community just as expected.

With changes in financial and economic policy, including interest rates, mortgage rates are expected to hit 5 % in 2018.

Investors who know their financial history understand that this type of what we might call «regime change» is to be expected.

This means you don't have to pay for unnecessary coverage now if you expect your financial situation to change later, such as if you expect to have a kid in the next several years.

So expect more amendments, rules and regulations with the credit industry under the Truth in Lending Act, and know that agencies like the Consumer Financial Protection Bureau are trying to keep up with changes in the financial marFinancial Protection Bureau are trying to keep up with changes in the financial marfinancial marketplace.

No one was expecting that their financial advisers would welcome the change with open arms — after all, advisers usually have a vested interest in the high - fee products they sell — but we were taken aback by the stubbornness that many investors encountered.

You can't expect someone to change their habits just because you tell them to — in fact, by clearing a person's debts without some attempt to educate them in proper financial conduct we run the risk of making bankruptcy appear too easy.

Moshe Orenbuch, an analyst with financial research group Credit Suisse, agrees but doesn't think offers will change immediately after the Fed starts raising rates — especially because rate increases are expected to be small at first, starting with a hike of 0.25 percent (25 basis points).

However, because the changes were made to bolster the financial stability of the HECM program, they are expected to produce a positive effect on the reverse mortgage market in the long term.

That said, expect rates to be volatile on a day - to - day and week - to - week basis in the year ahead as financial markets anticipate the timing of additional Fed policy changes as well as how the global and U.S. economies are performing.

The Petco Foundation has done so much for Mission K9 Rescue already by providing life - changing financial support that we never expected more.

I haven't noticed that soft - money researchers are particularly in the forefront of raising concerns about climate change, as you might expect if financial incentives were primary.

But over time, as the world increasingly realizes that fossil fuel expansion has no place in a world where we plan for success in addressing climate change, we can expect other financial institutions — both public and private — to follow their lead.

The study is expected to build on the UK's 2006 Stern Report on the Economics of Climate Change, a study that for the first time gave policymakers an idea of what the financial costs and benefits of cutting carbon emissions could be.

It was also expected that developed countries would not commit enough financial support to help developing countries, those least historically responsible and most vulnerable to climate change, adapt to and deal with its effects.

In addition to numerous other financial decisions you and your spouse will have to make, you can expect a significant change in the way you share money with Uncle Sam if you decide to file taxes jointly or separately.

A large number of Madoff investors were retirees, living in Florida, who are now on the verge of financial ruin and must make substantial changes at a time in their lives when they didn't expect it.

Your lawyer can give you a rough, ballpark estimate of what is reasonable to expect from a financial recovery, but that may change depending on the specific facts of your case.

Obviously if one expects the status quo to change shortly (for example, the other spouse is threatening to stop providing financial support or the other parent is threatening to remove the children from the state), filing such motions is advisable even if the status quo is acceptable.

Although the Law Commission published a consultation paper, Cohabitation: The Financial Consequences of Relationship Breakdown, in May 2006 and the conclusions and final report are expected later this summer, it will not contain a draft Bill and — due to the apparent lack of funding on this issue — it is highly unlikely that there will be any changes in the law relating to cohabiting couples in the foreseeable future.

Hobby horses are marketing and communication strategy as you'd expect, and linked to that «legal market change»; I also have particular interests in human rights (we have close links with Amnesty); City and financial regulation (something's got to be done!)

No one expects this change to be fast, as financial assets are part of the core layers of both «security» and «esteem» in Maslow's Hierarchy of human needs; thus switching costs will have an emotional aspect that humans have to «get over».

Noting that it expects changes to the legal status of cryptocurrencies in Ukraine, SFMS admits it is currently following guidelines from the Financial Action Task Force (FATF).