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The Rapid Decision Final
Expense plan from Fidelity Life is offered to those who are between the ages of 50 and 85.
Not exact matches
Important factors that could cause actual results to differ materially
from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost of accommodating, announced increases in the build rates of certain aircraft; 6) the effect on aircraft demand and build rates of changing customer preferences for business aircraft, including the effect of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result of global economic uncertainty or otherwise; 8) the effect of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange rates; 9) the success and timely execution of key milestones such as the receipt of necessary regulatory approvals, including our ability to obtain in a timely fashion any required regulatory or other third party approvals for the consummation of our announced acquisition of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production of aircraft resulting
from cancellations, deferrals, or reduced orders by their customers or
from labor disputes, domestic or international hostilities, or acts of terrorism; 14) any adverse impact on the demand for air travel or our operations
from the outbreak of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover
from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension
plan assets and the impact of future discount rate changes on pension obligations; 17) our ability to borrow additional funds or refinance debt, including our ability to obtain the debt to finance the purchase price for our announced acquisition of Asco on favorable terms or at all; 18) competition
from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect of changes in tax law, such as the effect of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect of such changes; 21) any reduction in our credit ratings; 22) our dependence on our suppliers, as well as the cost and availability of raw materials and purchased components; 23) our ability to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate for our additional capital needs or for payment of interest on, and principal of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness of any interest rate hedging programs; 28) the effectiveness of our internal control over financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition of Asco in a timely matter while avoiding any unexpected costs, charges,
expenses, adverse changes to business relationships and other business disruptions for ourselves and Asco as a result of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks of doing business internationally, including fluctuations in foreign current exchange rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase
plan, among other things.
Factors which could cause actual results to differ materially
from these forward - looking statements include such factors as the Company's ability to accomplish its business initiatives, obtain regulatory approval and protect its intellectual property; significant fluctuations in marketing
expenses and ability to achieve or grow revenue, or recognize net income,
from the sale of its products and services, as well as the introduction of competing products, or management's ability to attract and maintain qualified personnel necessary for the development and commercialization of its
planned products, and other information that may be detailed
from time to time in the Company's filings with the United States Securities and Exchange Commission.
The carriers didn't make a profit on the old, subsidized phone
plans, so they've benefitted
from shifting the
expense onto customers directly.
Expensive phones result in high subsidies
from wireless carriers, who in turn charge subscribers more on their monthly
plans to recoup those
expenses.
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.
The organizational structure of the company is an essential element within a business
plan because it provides a basis
from which to project operating
expenses.
The projected premium increases expected to result
from repeal would stem
from having fewer young and healthy customers in Obamacare
plans, which would have to raise prices to cover health
expenses for older, sicker customers.
As the details of this
plan become known, and as the political response builds
from people who fear their taxes will be raised, and as they build a coalition with special interests who would lose out
from other aspects of the proposal (like investors who do not like the proposed limitation on the deduction of business - interest
expenses), this
plan will become an enormous liability.
It's important to
plan ahead and think through potential
expenses, Clark said, such as real estate sales commissions, costs to prepare a home for sale, purchase of a home warranty, potential repairs resulting
from a home inspection and moving
expenses.
Your money
from your side hustle is best stashed in a high - yield savings account, where it can serve as an emergency fund (ICYMI, you should always have between four to seven months» of
expenses in case things don't go as
planned).
And the
expense associated with the president - elect standing on the steps of the Capitol and putting his hand on a Bible comes
from taxpayers, not donors; it's managed by a separate congressional
planning committee.
«Was the original
plan from the PMO to have the Conservative Party pay off Mike Duffy's
expenses when the bill was just $ 32,000, yes or no?»
«Non-GAAP Income
from Operations» is defined as our non-GAAP income
from operations (revenues less cost of revenues and operating
expenses, excluding the impact of stock - based compensation
expense and amortization of acquisition - related intangible assets), as adjusted to exclude certain acquisitions and not including the impact of amounts payable under the Kokua Bonus
Plan.
Signs of the changes percolating in the retirement market were everywhere on Wednesday at Dimensional Fund Advisors» first - ever conference focused on the defined contribution space,
from the jokes DFA's David Booth told at the
expense of the existing king of the retirement market, Fidelity, to the news of the investment product DFA is rolling out to serve as a combination default option and lesson in responsibility for employees who are the least engaged in their retirement
planning.
The average
expense ratio for a mutual fund offered in a 401 (k)
plan of any size was 54 basis points, a steady and significant decline
from the average of 74 basis points in 2009, when the Great Recession had collapsed 401 (k) account values.
By locking up money in my child's 529
plan from birth, my young child can attend our state university tomorrow with no student loans for tuition or living
expenses, even if a catastrophic event happens and I can't make any more contributions.
Forward - looking statements may include, among others, statements concerning our projected adjusted income (loss)
from operations outlook for 2018, on both a consolidated and segment basis; projected total revenue growth and global medical customer growth, each over year end 2017; projected growth beyond 2018; projected medical care and operating
expense ratios and medical cost trends; our projected consolidated adjusted tax rate; future financial or operating performance, including our ability to deliver personalized and innovative solutions for our customers and clients; future growth, business strategy, strategic or operational initiatives; economic, regulatory or competitive environments, particularly with respect to the pace and extent of change in these areas; financing or capital deployment
plans and amounts available for future deployment; our prospects for growth in the coming years; the proposed merger (the «Merger») with Express Scripts Holding Company («Express Scripts») and other statements regarding Cigna's future beliefs, expectations,
plans, intentions, financial condition or performance.
UFCF in the first quarter of 2014 was impacted by a $ 15.6 million increase in operating
expenses due to our change
from a quarterly management bonus
plan to an annual
plan.
(2) Reflects 2015 Merger - related adjustments including the change to align Kraft to Kraft Heinz's accounting policy for postemployment benefit
plans; incremental amortization resulting
from the fair value adjustment of Kraft's definite - lived intangible assets; incremental compensation
expense due to the fair value remeasurement of certain of Kraft's equity awards; and, certain deal costs related to the 2015 Merger.
You can also use the funds
from a 529 [college savings]
plan for tuition and fees; room and board (whether it be on - or off - campus); a «reasonable amount» for books, supplies (in some cases, a computer), transportation and miscellaneous
expenses; dependent care; study - abroad
expenses; loan fees; and employment
expenses for co-op study.
When considering rolling over assets
from an employer
plan to an IRA, factors that should be considered and compared between the employer
plan and the IRA include fees and
expenses, services offered, investment options, when penalty free withdrawals are available, treatment of employer stock, when required minimum distributions begin and protection of assets
from creditors and bankruptcy.
Small - business owners should save for their children's college
expenses the same as other parents — by setting up an automatic transfer
from their bank account to the college savings
plan.
Unlike DC
plans, withdrawals
from the account are also tax - free as long as they are used to pay for medical
expenses.
Adjusted EBITDA is defined as net income / (loss)
from continuing operations before interest
expense, other
expense / (income), net, provision for / (benefit
from) income taxes; in addition to these adjustments, the Company excludes, when they occur, the impacts of depreciation and amortization (excluding integration and restructuring
expenses)(including amortization of postretirement benefit
plans prior service credits), integration and restructuring
expenses, merger costs, unrealized losses / (gains) on commodity hedges, impairment losses, losses / (gains) on the sale of a business, nonmonetary currency devaluation (e.g., remeasurement gains and losses), and equity award compensation
expense (excluding integration and restructuring
expenses).
The primary drivers of the increase in accrued
expenses were $ 9.4 million due to our change
from a quarterly management bonus
plan to an annual bonus
plan and $ 8.2 million due to the timing of interest payments as well as increases in a variety of other accrued
expenses associated with the overall growth in our business.
The rollover decision should reflect how the
plan from which assets would be distributed stacks up in comparison to the proposed IRA in terms of investment options, fees and
expenses, and services (such as advice
planning tools).
If we use the FIRE community - preferred method of saving 25 times annual spending and
plan to withdraw 4 % a year
from the portfolio, then they'd only need approximately $ 1.4 million ($ 55,000 of annual living
expenses x 25), in income - producing assets.
If you have a good business with potential for growth, Factor Funding can speed up your cash flow and unleash your power to survive and thrive, whether you are one, a couple, or one hundred or more people business, working
from home or away, already established or just getting started to implement your
plans and strategies, buy supplies, meet payroll, pay debts, taxes, or meet other
expenses.
To get an idea of the amount of the loan for your startup, review your projected
expenses from your business
plan.
While 72 % of Boomers surveyed have $ 300,000 or less for retirement, 30 % of Millennial and Gen X employees are withdrawing money
from their retirement
plans just to pay for
expenses.
Association and HOA fees can range
from a few hundred to a few thousand dollars each year, depending on the scope of services provided to residents.If your condo has
plans for big projects — such as a new roof job or repaving a parking lot — you could be asked to contribute to its
expense.
NEW
PLAN The bill clarifies that people (including many professional gamblers) who also deduct wagering
expenses, such as the cost of travel to and
from a casino, must add those
expenses to their total losses before comparing that sum to their total taxable winnings for the purpose of making the overall deduction calculation.
It appears that the PCs are both understating the condition of disrepair of hospitals and in some cases, using their power to move projects up the priority list in order to benefit the political interests of PC caucus members at the
expense of the health of those living in more needy communities» said Notley In a written response to a request
from NDP Leader Rachel Notley, the Auditor General has committed to an audit of the government's capital
planning process.
So - called 529 college - savings
plans — those state - sponsored accounts for college savers in which earnings are tax - free as long as they are used to pay for qualified higher - education
expenses — typically let account holders select once a year
from a number of investment options.
Plan on having sufficient cash available to cover
expenses until funds can be disbursed
from your Roth IRA account.
According to the Investment Company Institute, over the past decade, the average
expense ratio of actively managed equity funds has declined 21 basis points.2 With participant protection front and center
from a regulatory perspective, there is a lot more riding on the investment decisions made by
plan fiduciaries.
From saving for retirement, putting money aside to purchase a home or for some money for a child / children's college
expenses, having a goal will help formulate a winning investment
plan.
The answer to that is when we put the
plan together, we have leverage in it
from sales to
expenses of approximately 100 basis points so — or approximately 37 % will result in some leverage in the P&L.
Among them are the rights to: bullet joint parenting; bullet joint adoption; bullet joint foster care, custody, and visitation (including non-biological parents); bullet status as next - of - kin for hospital visits and medical decisions where one partner is too ill to be competent; bullet joint insurance policies for home, auto and health; bullet dissolution and divorce protections such as community property and child support; bullet immigration and residency for partners
from other countries; bullet inheritance automatically in the absence of a will; bullet joint leases with automatic renewal rights in the event one partner dies or leaves the house or apartment; bullet inheritance of jointly - owned real and personal property through the right of survivorship (which avoids the time and
expense and taxes in probate); bullet benefits such as annuities, pension
plans, Social Security, and Medicare; bullet spousal exemptions to property tax increases upon the death of one partner who is a co-owner of the home; bullet veterans» discounts on medical care, education, and home loans; joint filing of tax returns; bullet joint filing of customs claims when traveling; bullet wrongful death benefits for a surviving partner and children; bullet bereavement or sick leave to care for a partner or child; bullet decision - making power with respect to whether a deceased partner will be cremated or not and where to bury him or her; bullet crime victims» recovery benefits; bullet loss of consortium tort benefits; bullet domestic violence protection orders; bullet judicial protections and evidentiary immunity; bullet and more...
In short, you suspect that I am
planning to defend feeling at the
expense of reason, to rehabilitate the primitive and unreflective, and to dissuade you
from the hope of any Theology worthy of the name.
The good news: After burning its entire
planned five - year budget of $ 40 million last year, the league saw
expenses fall 28 % and revenues leap 43 % this year, thanks to staff cuts, increased corporate sponsorships (including backing
from McDonald's and Coca - Cola) and relocation of the league office
from New York to Atlanta.
The Park Board on Thursday night voted to terminate its inter-governmental agreement with the library district to build a joint library - community center in Central Park, in exchange for a $ 42,705 payment
from the library district to compensate the Park District for its
expenses planning the failed project.
Wheaton Park District officials thought they had a gift
from DuPage County: a good
plan for cleaning up the long - neglected, eroding streams and ponds in Northside Park, at the county's
expense.
Unless you are
planning to have a home birth, going to the hospital entails a lot of
expenses,
from the doctor's fees to the fees of staying inside the hospital unit.
Analysis
from The Associated Press says that young, healthy people will likely benefit more
from the new
plan than older people who have ailments more often because of the elimination of subsidies for out - of - pocket
expenses and deductibles.
Among his recommendations, Astorino favors switching elected officials
from the defined - benefit pension
plan to a defined - contribution
plan; replacing the per diem system for lawmaker
expenses to one requiring stricter bookkeeping; and scrapping the state Joint Commission on Public Ethics in favor of a new independent ethics watchdog appointed by the judiciary.
Jennings, nearing the end of his 20 - year term, last week unveiled a 171 - million dollar spending
plan, reflecting a 2 - point - 4 million dollar reduction in operating
expenses from last year's adoptive budget.
Cuomo, in his third and fourth stops this week around the state to give his annual State of the State speech, proposed a
plan that would put the onus on county executives or county managers to call together all officials
from their counties to devise ways to share government services to cut
expenses.