Allowing another adult to live in your home will likely increase
your expenses for such things as utilities and food.
This way of looking at debts can be advantageous for a borrower who has small or even zero recurring monthly
expenses for such things as student loans, credit card bills, and auto payments.
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.
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 person
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 person
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 person
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.
Individual retirement arrangements (or IRAs) provide a way
for you to set aside money
for your retirement —
for living
expenses and to pay
for the
things you want to do when you have the time to do them,
such as traveling or learning new skills.
Despite early efforts from the House, which passed a version of the tax bill that condensed the current seven tax brackets to four and cut many of the deductions — like those
for teachers» supplies and high medical
expenses — the final draft of the tax bill does no
such thing.
Abstractly considered,
such a society on a large scale would be the millennium,
for every good
thing might be realized there with no
expense of friction.
Although I've found it very cathartic to speak, vent and end occasionally rant about all
things Arsenal, we need to act carefully and intelligently right now or we're going to get played by this club even worse than at present... the pro-Wengerites and the suits, who represent a considerable proportion of the season ticket holders, don't want to believe that there is no plan and that Wenger has mailed it in
for several years now or that
things are going to get much worse before they get better... why would they... many have spent a considerable sum buying some of the highest priced tickets in the World... they want to have a front row seat to see something special and to be seen doing so, which simply provides ample justification
for the
expense and the time invested... to many of them, Wenger is the sun in their soccer universe... his awkward disposition, misplaced arrogance and his utter lack of balls makes him a rather unusual cult figure, but the cerebral narrative seemed to embolden those who already felt pretty highly of themselves... many might not even of really liked football that much before his arrival and rarely games they weren't attending... as
such, they desperately believe that Wenger, and only Wenger, can supply them with their required fix... if he goes, they were wrong and that's a tough pill to swallow... they would have to admit that they were duped... they will definitely resent whoever made them feel this way, but of course it will be too late by then... so when we go overboard with ridiculous comments bordering of anarchy, it scares the shit out of them and they shift their blame towards us rather than at those who really perpetrated this act of treason... we aren't the enemy... we simply woke much earlier and the reason our comments have gotten more vile in recent years is out of utter frustration... in order
for any real change to occur at this club we need to bring as many supporters as possible with us or the big money interests will fade and our ultimate objective will be lost... so it's time to focus on the head instead of the heart
for now
Loans are available to most businesses, and may be used
for any number of
things such as buildings, machinery and equipment, moving
expenses, inventory acquisition
expenses, or working capital.
And these
things never even make money — the first Tomb Raider is by far the most successful one yet, and it cost about $ 80 mil and made supposedly around $ 130ish mil which is barely breaking even when you count the untold tens of mils
for promotion and Angelina Jolie's tattoo
expense account and
such.
Among the
expenses are
such things as new instructional materials aligned to college - career readiness standards; additional professional development
for teachers; creation and implementation of a teacher and principal evaluation system, and student assessment and accountability costs.
Itemized deductions are an optional deduction taxpayers can take on tax returns
for things such as medical
expenses, property taxes, mortgage interest, and charitable contributions.
Specifically, that means allowable amounts
for such things as medical
expenses, moving
expenses, child care costs and charitable donations.
In the case where the company you are working with pays you some allowance to take care of
such things, then you are required to indicate the amount when completing your return so that the Australian Taxation Office knows about the money provided by your employer
for such expenses.
Additionally, funding is typically approved
for such things as home improvements, small business
expenses, large purchases or other one time large
expenses.
Plus, on top of that hefty down payment and moving
expenses, you'll need to cough up more money at the end of the process
for closing costs, which include
things such as fees and taxes and can run around 3 % of the value of the loan.
While tax credits are less common than tax deductions, they are available
for things such as adopting a child, buying a first home, child care
expenses, home office
expenses, and caring
for an elderly parent.
When you have a great business idea that you are eager to move forward with, there will be many
things to consider,
such as getting estimates
for various
expenses, preparing initial operating budgets and making marketing plans to launch your business.
The tax bill eliminates a deduction
for companies that help with
things such as transit, parking and bicycle commuting
expenses.
Deductions
for key job
expenses,
such as unreimbursed travel and mileage and the home office deduction, are also now a
thing of the past.
These points can be used to help you pay
for things such as travel
expenses, hotel stays, gift cards to restaurants, or even Amex gift cards.
«You can
expense most
things that you spend to earn income,
such as your cell phone, advertising costs, and a portion of the lunch you paid
for when meeting with a client,» says Toronto - based accountant and immigration consultant Eric Cheung.
The
thing is that
such loans can be used
for any personal needs like covering different
expenses or debt consolidation.
You start with the gross income amount from the W - 2, and the first
thing you do is add in any income that you didn't get a W - 2
for (
such as interest or investment income) and subtract any deductions that you might have that are not taxable, but were not paid through your paycheck (
such as moving
expenses, student loan interest, tuition, etc.) The result is called your adjusted gross income.
While tax credits are less common than tax deductions, they are available
for things such as adopting a child, buying a first home, child care
expenses, and caring
for an elderly parent.
The card allows users to spend points earned on
things such as statement credits which can help pay
for travel - related
expenses.
By the sounds of
things, Revolution would happily bring their classic titles to the PSN and XBLA, but
for the fact it would be too much work /
expense for a small company
such as Revolution Software.
Of course, we all know that there's no
such thing as a free lunch — especially if you're a summer associate at Simpson Thacher, with a $ 60
expense account
for lunch and an option to limit yourself to a $ 15 lunch and give the remaining $ 45 to legal aid.
An injured person may be entitled to compensation
for such things as pain and suffering, loss of income, medical and care
expenses and other losses related to the injury.
If you've been injured in an accident
for which someone else is at fault, you have probably incurred out - of - pocket
expenses for things such as:
Disbursements are
expenses that must be paid
for over the course of your case and include
things like paying court fees, paying doctors
for copies of their records or
for medical opinions, paying
for administrative
expenses such as photocopying, couriers and long distance calls, and so on.
A discretionary Order is available
for things such as the replacement value of the property; the pecuniary damages incurred from harm,
expenses fleeing a domestic partner; or certain
expenses arising from the commission of an offence under s. 402.2 or 403.
Our personal injury lawyers often take over the insurance portion
for families, so that in a timely manner they receive compensation
for things such as funeral
expenses and to cover other
expenses related to losing a loved one.
Through an attorney, you can also seek compensation
for things such as reduced earning capacity, loss of consortium, pain and suffering, mental anguish, disfigurement, the cost of rehabilitative services and assistive devices, as well as any other estimated future medical
expenses.
This is because the proceeds from a life insurance policy can be used
for a number of different
things,
such as paying off large debts, paying
for the insured's funeral and other final
expenses, and / or paying survivors» ongoing living
expenses.
This offers additional chances to make good on your investment
for other
things such as educational
expenses and other goals.
If you were to die unexpectedly, your whole life insurance policy could help the beneficiaries pay
for thing such as final
expenses, medical bills, living
expenses, mortgage payments, and other debts.
In turn, you can make choices that can help you save more
for things such as retirement and educational
expenses.
An ordinary travel insurance policy offers financial compensation
for things such as medical
expenses, cost of emergency evacuation, loss of travel investment due to cancellation of vacation, loss of baggage, as well as loss of personal belongings.
The right travel insurance policy will protect a consumer's pre-paid travel
expenses when they have to cancel their trip due to certain unexpected circumstances
such as a covered illness or injury and will provide reimbursements
for things like medical emergencies, delayed travel and lost or delayed baggage.
There are a number of
things to consider when calculating your insurance needs,
such as your debt load, income, and
expenses, so not one number is right
for everyone.
Final
expense insurance is a small whole life insurance policy which is used to pay
for things such as burial plots, caskets, funerals and minimal medical bills left behind.
Vision insurance can keep your out - of - pocket
expenses down
for things such as routine eye care and other
expenses including eyewear or LASIK procedures.
These funds can be used — income tax - free —
for any number of
things,
such as paying off massive debts, paying
for the funeral and other final
expenses, ensuring future college education funds, and making sure that monthly bills can continue to be paid.
One reason
for this is because this essential financial tool can help to protect the ones you love from having to spend other assets on
things such as final
expenses, paying off debt, and / or living
expenses in the case of the unexpected.
The most important
thing is that a policy should be large enough to pay
for the insured person's funeral
expenses and outstanding medical bills, take care of outstanding debts, and meet long - term goals
such as children's college tuition, says Brad Huffman, a Certified Financial Planner with Future Finances Inc. in Worthington, Ohio.
The cash benefits can be used
for many
things such as pay a mortgage and
for living
expenses of the beneficiaries.
You can add coverage by endorsement / rider
for things such as expensive personal items, identity theft protection or increased additional living
expense limits should you have to move out of your apartment
for repairs due to a covered loss.
The beneficiary can use the money
for any purpose he or she chooses to;
such as, to pay
for living
expenses, pay
for your funeral and burial costs, pay off debt including mortgage and credit card debt, or use the money to replace your income, among other
things.
Some
things to consider would be what debt will be left after the insured passes,
such as mortgage and car payments, coverage
for funeral
expenses and the retirement income that might be lost.