One of the best ways to reduce the cost of final expense insurance is to speak with a final expense insurance agent that can shop dozens of different burial and final
expense companies on your behalf.
Not exact matches
We were repackaging MusclePharm product for the Arnold line, which created
expense, then add the endorsement
expense on top of that... and I had to make the hard decision and say it wasn't working for the future of the
company.
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.
In the opinion of the
Company's management, a discussion of loss reserve development is meaningful to users of the financial statements as it allows them to assess the impact between prior and current year development
on incurred claims and claim adjustment
expenses, net and core income (loss), and changes in claims and claim adjustment
expense reserve levels from period to period.
Investors who would prefer to play E&P
companies more broadly could consider the iShares U.S. Oil & Gas Exploration & Production ETF, which focuses
on large - cap
companies and has an
expense ratio of 0.43 %.
In the opinion of the
Company's management, adjusted book value per share is useful in an analysis of a property casualty company's book value per share as it removes the effect of changing prices on invested assets (i.e., net unrealized investment gains (losses), net of tax), which do not have an equivalent impact on unpaid claims and claim adjustment expense re
Company's management, adjusted book value per share is useful in an analysis of a property casualty
company's book value per share as it removes the effect of changing prices on invested assets (i.e., net unrealized investment gains (losses), net of tax), which do not have an equivalent impact on unpaid claims and claim adjustment expense re
company's book value per share as it removes the effect of changing prices
on invested assets (i.e., net unrealized investment gains (losses), net of tax), which do not have an equivalent impact
on unpaid claims and claim adjustment
expense reserves.
As the
company's Chief Talent Officer, she helped build a corporate culture with no limits
on vacation, a five - word
expense policy and a belief that employees should be treated as adults.
For the whole staff, it could mean a bot that knows everything from the guest Wi - Fi password to how to input travel
expenses to the
company policy
on rolling over sick days from year to year.
The
expense and current - ratio targets, tracked
on the big
company scoreboard and reviewed in regular weekly meetings, were too ambitious.
The comments come as Alphabet's total headcount swelled by roughly 9,000 year -
on - year, and as
expenses crept up during Q1, causing the
company to miss Wall Street's profit targets.
E-commerce transactions made through in - car systems, automatic ordering options with fast - food outlets and software updates that cut down
on repair
expenses will add up to this improved profitability, the
company said in a recent presentation to investors.
On a non-GAAP basis (excluding stock - based compensation
expenses, amortization of intangible assets, reorganization costs, goodwill and technology impairment charges, the impact of the US tax reform and a loss from discontinued operations), the
Company recorded a net loss of $ (1.6) million, or $ (0.54) per diluted share in 2017, compared with a net loss of $ (375,000), or $ (0.13) per diluted share in 2016.
Instead, stick with this simple rule of thumb: If the
expense of replacing the broken item is more than twice the cost of repairing it, it's probably best to repair it, according to Lexicon Technologies, a technology maintenance
company and the creator of the helpful infographic
on the topic below.
And traditionally e-retailers like Bonobos, Warby Parker and Rent The Runway have started opening up physical «showrooms» for shoppers to try
on product, but not at the
expense of the
companies having to hold excessive inventory in stores.
According to a SpaceX
company spokesman, «We deny the claims made by these employees, but rather than incur the
expense, burden and uncertainty of continuing litigation, we elected to settle this matter so that we can continue to focus
on our business.»
On October 2, 2017, the company completed the sale of one of its equity method investments and recorded a gain of $ 40 million within the gain on equity method investment transactions and $ 15 million of tax expens
On October 2, 2017, the
company completed the sale of one of its equity method investments and recorded a gain of $ 40 million within the gain
on equity method investment transactions and $ 15 million of tax expens
on equity method investment transactions and $ 15 million of tax
expense.
«Our conversations with investors certainly indicated a «have» and «have not» view of media stocks domestically, with [bigger
companies](the Haves) able to leverage their large breadth of content into something near full carriage
on emerging distribution packages like YouTube TV, perhaps at the
expense of the Have Not [small to medium
companies],» RBC analyst Steven Cahall wrote in a note to clients Monday.
«Canada's media and cultural industries are being severely damaged by the tax loopholes that benefit foreign digital
companies and platforms at the
expense of Canadian producers and workers and that cost the federal government at least $ 1 billion in revenues,» the union wrote in a statement
on its website.
That's why I consistently monitor our
company's performance
on our key performance metrics like gross revenue, the number of customers that purchase new products, total marketing
expense, and cost of goods.
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.
Buffett,
on his part, has disdained private equity's method of investing, which often adds value to a
company by piling
on debt, and slashing
expenses before turning it back
on the market.
Some 7,800 employees have lost their jobs since 3G bought Heinz in 2012, and the Brazilian firm's ruthless efficiency is now making its way through Kraft via «zero - based budgeting,» an approach that requires that every single
expense be questioned, from
company discounts
on Kraft food to the amount of copier paper that can be used.
We do random acts of appreciation throughout the year, like taking the whole
company out for ice cream midday or bringing in McFlurrys for everyone in the office... we have breakfast catered every Friday, rebirthdays (celebrations
on the anniversaries of hire dates), all the ladies receive flowers
on Valentine's Day, parents receive letters
on Mother's Day and Father's Day, and so much more... plus, the whole
company is going to Miami for an all -
expenses - paid trip in a month (revenue and nonrevenue producers) for hitting a sales goal.»
«These freelancers come
on board as subcontractors and save the small business owner the burden of paying overhead associated with payroll taxes and
expenses such as health insurance and worker's compensation, as well as the space constrictions that growing a
company in - house can present.»
The Healthcare Reform Law, including The Patient Protection and Affordable Care Act and The Healthcare and Education Reconciliation Act of 2010, could have a material adverse effect
on Humana's results of operations, including restricting revenue, enrollment and premium growth in certain products and market segments, restricting the
company's ability to expand into new markets, increasing the
company's medical and operating costs by, among other things, requiring a minimum benefit ratio
on insured products, lowering the
company's Medicare payment rates and increasing the
company's
expenses associated with a non-deductible health insurance industry fee and other assessments; the
company's financial position, including the
company's ability to maintain the value of its goodwill; and the
company's cash flows.
If a forklift triangulates all the employee ID badges in its vicinity, when someone gets too close while the forklift is moving, the brakes can apply themselves, saving both employee health and
company expenses on workplace hazards.
On the other hand, profit margins are on the decline, and it may be hard for companies to stomach larger capital expenses, especially with labor costs already putting pressure on bottom line
On the other hand, profit margins are
on the decline, and it may be hard for companies to stomach larger capital expenses, especially with labor costs already putting pressure on bottom line
on the decline, and it may be hard for
companies to stomach larger capital
expenses, especially with labor costs already putting pressure
on bottom line
on bottom lines.
-- Dan Ruch, CEO of Rocketrip, a
company which helps
companies reduce travel
expenses by incentivizing employees to save
on their business trips
But before you double down your spending, make sure you have a plan for how much you are going to spend and
on what, says Bellevue, Wash. - based business -
expense management
company Concur.
This is the
company's greatest operating
expense, and Amazon shareholders have put pressure
on the
company to drive down costs.
European politicians and some competing
companies have complained that Google's dominance allows it to promote its own services at rivals»
expense, and attacked it
on a range of issues including its tax and privacy policies.
The electric bill, which had skyrocketed to $ 4,000 a month, is down to $ 1,000, mainly because employees were reminded that their actions, no matter how small — including turning off computers and lights when they left for the night — could have a profound impact
on company expenses.
As far as Clinton's proposal goes, she'd give
companies an
expense incentive to set up a profit - sharing plan by offering a tax break of 15 percent
on gains shared with employees, capped at 10 percent of a worker's salary.
Indeed, labor and privacy advocates have decried the recent trend of
companies electronically monitoring employees to make sure they're not sneaking into bars, padding travel
expenses, or moonlighting
on company time.
Shares of early reporter Hess Corp, an E&P
company, rose 1.8 percent
on Wednesday after it reported a smaller - than - expected quarterly loss, thanks to
expense cuts and the rise in oil prices.
Recent surveys highlight how systemic a problem this actually is — in one, nearly three quarters of respondents stated that time spent reconciling
expenses kept them from addressing critical business issues, while in another, those surveyed reported that they spend up to 40 percent of their time
on tasks not related to growing their
company.
On the flip side, these same entrepreneurs will tell you cutting
expenses to meet reduced revenues is not the way to make a
company work; budgeting your way to prosperity is not an effective business strategy.
By extending your payables window, sharing
expenses with other business owners, creating / upgrading an online bank account to ensure prompt payments to suppliers, tightening spending and reviewing your accounts, you can help increase your
company's cash flow and bypass the need to rely
on additional credit to keep your business flowing smoothly.
Their commitment to domestic manufacturing is more than feel - good philosophy — the
company's wares are big and bulky (read: expensive to ship), and, since 95 % of its business is in North America, the reduced logistics
expenses of local production offset any premiums
on labour costs.
For far too many fellow entrepreneurs, maximization occurs
on the «front side» and the financial vector only: A great
company has been built and genuine wealth created but at the clear
expense of the «back end.»
But earnings growth will pick up as
companies clamp down
on selling, general, and administrative (SG&A
expenses).»
Since reporting rules don't require
companies to
expense goodwill
on a systematic basis,
companies may choose to not write down bloated goodwill until the hot - air balloon of inflated value pops, leaving investors to deal with the losses.
But often this focus
on revenue comes at the
expense of the
company's culture.
In the final stage,
companies embrace a hybrid business model and reallocate revenue streams to optimize for total value creation and capture rather than focusing
on one — the product or the platform — at the
expense of the other.
BLUE SKY FEES AND
EXPENSES: $ 35,000 A disadvantage of going public
on the Nasdaq SmallCap Market, as Multicom discovered, is that state regulators do not automatically accept the new security for sale by brokers in their own states as they do with
companies listed
on the Nasdaq National Market, the New York Stock Exchange, and the American Stock Exchange.
These risks and uncertainties include competition and other economic conditions including fragmentation of the media landscape and competition from other media alternatives; changes in advertising demand, circulation levels and audience shares; the
Company's ability to develop and grow its online businesses; the
Company's reliance
on revenue from printing and distributing third - party publications; changes in newsprint prices; macroeconomic trends and conditions; the
Company's ability to adapt to technological changes; the
Company's ability to realize benefits or synergies from acquisitions or divestitures or to operate its businesses effectively following acquisitions or divestitures; the
Company's success in implementing
expense mitigation efforts; the
Company's reliance
on third - party vendors for various services; adverse results from litigation, governmental investigations or tax - related proceedings or audits; the
Company's ability to attract and retain employees; the
Company's ability to satisfy pension and other postretirement employee benefit obligations; changes in accounting standards; the effect of labor strikes, lockouts and labor negotiations; regulatory and judicial rulings; the
Company's indebtedness and ability to comply with debt covenants applicable to its debt facilities; the
Company's ability to satisfy future capital and liquidity requirements; the
Company's ability to access the credit and capital markets at the times and in the amounts needed and
on acceptable terms; and other events beyond the
Company's control that may result in unexpected adverse operating results.
As mutual funds grew in popularity in the 90's many of these firms used to charge commissions or advisory fees (usually in excess of 1 %) and the fund
company charged you an
expense ratio
on top of that (also 1 % or more).
«We expect the
company to guide total revenue +26 - 34 % yoy with $ 0mn to $ 1.0 bn in GAAP operating profits, as guidance factors in the Whole Foods acquisition, [Amazon Web Services] growth accelerates modestly
on an 800bps easier comp, and both revenue and
expenses reflect the investments in new fulfillment centers and AWS regions,» Terry said.
The HRC considered the fact that, despite credit write - downs in its home equity loan portfolio and a Visa - related litigation
expense accrual, the
Company's business performance for 2007 was strong, as exemplified by one of the highest returns
on equity and returns
on assets in our Peer Group.
(l) Except as otherwise set forth in Schedule 2.7 (l) of the Disclosure Schedule, (i) the
Company is not and will not be obligated to pay separation, severance, termination or similar benefits as a result of any of the transactions contemplated by this Agreement, nor will any such transactions accelerate the time of payment or vesting, or increase the amount, of any benefit or other compensation due to any individual; and (ii) the transactions contemplated by this Agreement will not cause the
Company to record additional compensation
expense on its income statements with respect to any outstanding Stock Option or other equity - based award.