The law has repealed deductions for investment
fees and expenses such as fees paid for advice in connection with separately managed accounts, he tells the publication.
Not exact matches
When the flow is diverted to other
expenses,
such as payments with interest, finance charges,
and late
fees, they tie up funds that should be flowing into the pocket book to improve the bottom line, not into someone else's pocket.
Also, ask about other
expenses such as research
and paralegal
fees.
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.
Overall, hefty entry
fees per class help
such studios offset
expenses that include high rents in large metro areas, bikes that can cost more than $ 1,000 each,
and extensive plumbing
and HVAC renovations often required to keep cyclists cool during difficult workouts.
Costs are both financial, including listing
fees and the
expenses associated with mandatory disclosures
and other regulatory requirements,
and less tangible,
such as the perceived burden of quarterly earnings releases, the risk of being targeted by activist investors,
and higher visibility that can result in political or competitive pressure.
«The type of hidden
fees annuity investors should pay attention to are separate account [investment funds]
expense ratios; back - end sales charges; annual administration
fees; mortality
and expense costs; any rider
fees,
such as guaranteed income rider, death benefit riders [
and] principal protection riders, to name a few,» says financial planner Joseph Carbone of Focus Planning Group.
With marriage
and children will come
expenses,
such as daycare costs, school
fees, mortgages or rent
and other necessities.
The largest increases in the deficit would come from repealing or modifying tax provisions in the ACA that are not directly related to health insurance coverage —
such as repealing a surtax on net investment income, repealing annual
fees imposed on health insurers,
and reducing the income threshold for determining the tax deduction for medical
expenses.
As with all investments, an investor should carefully consider his investment objectives
and risk tolerance as well as any
fees and / or
expenses associated with
such an investment before investing.
We sell our units on a continuous basis at initial offering prices of $ 10.00 per Class A unit, $ 9.576 per Class C unit,
and $ 9.186 per Class I unit; however, to the extent that our net asset value on the most recent valuation date increases above or decreases below our net proceeds per unit as stated in the Company's prospectus, our board of managers will adjust the offering prices of all classes of units to ensure that no unit is sold at a price, after deduction of selling commissions, dealer manager
fees and organization
and offering
expenses, that is above or below our net asset value per unit as of
such valuation date.
This generally consists of production - of - income
expenses,
such as tax advisory
fees,
and unreimbursed employee business
expenses.
1The Fund's investment adviser, SSGA Funds Management, Inc. is contractually obligated until May 1, 2019 to waive its management
fee and / or to reimburse the Fund for
expenses to the extent that Total Annual Fund Operating Expenses (exclusive of non-recurring account fees, extraordinary expenses, acquired fund fees and any class specific expenses such as Distribution, Shareholder Servicing, Administration, and Sub-Transfer Agency Fees, as measured on an annualized basis) exceed 0.07 % of average daily net assets on an annua
expenses to the extent that Total Annual Fund Operating
Expenses (exclusive of non-recurring account fees, extraordinary expenses, acquired fund fees and any class specific expenses such as Distribution, Shareholder Servicing, Administration, and Sub-Transfer Agency Fees, as measured on an annualized basis) exceed 0.07 % of average daily net assets on an annua
Expenses (exclusive of non-recurring account
fees, extraordinary expenses, acquired fund fees and any class specific expenses such as Distribution, Shareholder Servicing, Administration, and Sub-Transfer Agency Fees, as measured on an annualized basis) exceed 0.07 % of average daily net assets on an annual ba
fees, extraordinary
expenses, acquired fund fees and any class specific expenses such as Distribution, Shareholder Servicing, Administration, and Sub-Transfer Agency Fees, as measured on an annualized basis) exceed 0.07 % of average daily net assets on an annua
expenses, acquired fund
fees and any class specific expenses such as Distribution, Shareholder Servicing, Administration, and Sub-Transfer Agency Fees, as measured on an annualized basis) exceed 0.07 % of average daily net assets on an annual ba
fees and any class specific
expenses such as Distribution, Shareholder Servicing, Administration, and Sub-Transfer Agency Fees, as measured on an annualized basis) exceed 0.07 % of average daily net assets on an annua
expenses such as Distribution, Shareholder Servicing, Administration,
and Sub-Transfer Agency
Fees, as measured on an annualized basis) exceed 0.07 % of average daily net assets on an annual ba
Fees, as measured on an annualized basis) exceed 0.07 % of average daily net assets on an annual basis.
^ The Fund's investment adviser, SSGA Funds Management, Inc. is contractually obligated until April 30, 2019 (i) to waive up to the full amount of the advisory
fee payable by the Fund,
and / or (ii) to reimburse the Fund for
expenses to the extent that Total Annual Fund Operating Expenses (exclusive of non-recurring account fees, extraordinary expenses, acquired fund fees, and any class - specific expenses, such as distribution, shareholder servicing, sub-transfer agency and administration fees) exceed 0.01 % of average daily net assets on an annua
expenses to the extent that Total Annual Fund Operating
Expenses (exclusive of non-recurring account fees, extraordinary expenses, acquired fund fees, and any class - specific expenses, such as distribution, shareholder servicing, sub-transfer agency and administration fees) exceed 0.01 % of average daily net assets on an annua
Expenses (exclusive of non-recurring account
fees, extraordinary
expenses, acquired fund fees, and any class - specific expenses, such as distribution, shareholder servicing, sub-transfer agency and administration fees) exceed 0.01 % of average daily net assets on an annua
expenses, acquired fund
fees,
and any class - specific
expenses, such as distribution, shareholder servicing, sub-transfer agency and administration fees) exceed 0.01 % of average daily net assets on an annua
expenses,
such as distribution, shareholder servicing, sub-transfer agency
and administration
fees) exceed 0.01 % of average daily net assets on an annual basis.
A
fee included in some annuity contracts that compensates the insurer for the risks it assumes in issuing the contract,
such as the cost of death benefits,
expenses of other insured income guarantees,
and administrative costs.
Qualified
Expenses: Tuition, books, supplies, lab fees, certain transportation / travel costs, and other similar education expenses (such as the cost of researching and typing
Expenses: Tuition, books, supplies, lab
fees, certain transportation / travel costs,
and other similar education
expenses (such as the cost of researching and typing
expenses (
such as the cost of researching
and typing a paper)
Qualified
expenses include tuition
and fees; room
and board; books, supplies
and equipment;
and other necessary
expenses such as transportation.
Qualified
Expenses: Tuition and fees required for enrollment or attendance at an eligible postsecondary educational institution, not including personal, living, or family expenses (such as room an
Expenses: Tuition
and fees required for enrollment or attendance at an eligible postsecondary educational institution, not including personal, living, or family
expenses (such as room an
expenses (
such as room
and board)
The depositary may reimburse us for certain
expenses incurred by us in respect of the ADR program, by making available a portion of the ADS
fees charged in respect of the ADR program or otherwise, upon
such terms
and conditions as we
and the depositary agree from time to time.
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).
More often than not, many of the
expenses small business owners pay,
such as rent, travel
and even membership
fees can be written off during tax time to reduce self - employment taxes.
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.
Consolidation Loans can not be used to refinance student loans or for education - related
expenses (
such as tuition
and fees, books, supplies, miscellaneous personal
expenses, room
and board).
But with the advantage of owning a variety of mutual funds
and other investments come the obligation of many hidden
fees,
such as
expense ratios
and transactions costs of the funds in the wrap account.
Payments of
such services may be charged as an
expense to the trust
and will not reduce the amount of
fees payable to Edward Jones Trust Company.
Last call for miscellaneous itemized deductions: This is the last year you can deduct
such items as tax prep
fees, investment management
fees and unreimbursed employee
expenses.
Medical care
expenses are a big category,
and you should check out the IRS list of what qualifies,
such as
fees to doctors, dentists, surgeons, chiropractors, psychiatrists, psychologists
and nontraditional medical practitioners, as well as insurance premiums you paid for policies that cover medical care or for a qualified long - term care insurance policy.
Payments of
such services generally will be charged as an
expense to the trust
and will not reduce the amount of
fees payable to Edward Jones Trust Company.
The Best Practices advisor, without uttering a word, «speaks» loudly in simple actions
such as putting agreements
and disclosures
and services
and fees and expenses in plain language
and clear writing.
When barbecues are open to the public, as at the Atlanta Exposition, an admission
fee is naturally charged,
and expenses are paid in this way; but when votes are wanted, no charge is made, or, at least,
such a trifle only as will serve to keep out the canaille.
There are
such aspects as tax treatment of the acquisition, incremental revenues from shirt sales, cost savings on letting Bendtner go, safety margins in case of unforeseen
expenses or drop in revenues,
and agents
fees.
You agree that to the fullest extent permitted by law you shall defend, indemnify
and hold harmless Orlando Stroller Rentals, LLC from
and against all claims, damages, losses, costs,
and expenses, including, but not limited to attorneys»
fees, legal costs
and legal
expenses, arising out of or resulting from this Agreement (including the performance, breach, or termination of this Agreement), your use of this Website,
and / or your order or use of anything available through Orlando Stroller Rentals, LLC
and / or this Website, provided that
such claim, damage, loss, cost, or
expense is not caused by the sole negligence or sole fault of Orlando Stroller Rentals, LLC.
Further, in any
such dispute, under no circumstances will participant be permitted to obtain awards for,
and hereby waives all rights to claim punitive, incidental, or consequential damages, including reasonable attorneys»
fees, other than participant's actual out - of - pocket
expenses (i.e. costs associated with entering this Giveaway),
and participant further waives all rights to have damages multiplied or increased.
Some of the
fees and expenses that are typically addressed include placement costs,
such as agency
fees; legal
fees and attorney
expenses for adoptive
and birth parents;
and some of the
expenses of the birth mother during pregnancy.
My budget uses park
fees to restore the shortfall in funding for county
expenses such as the fire service's vocational education
and extensions board,
and youth programs throughout our legislative districts.»
Ajinkya said Cuomo's plan — while «definitely politically popular» because it includes a broader spectrum of students - fails to take into account college costs beyond tuition,
such as books,
fees and living
expenses, which are growing just as fast or faster than tuition.
Such expenses include the IPR survey, audits, legal
fees, advice on IPR, hiring of an in - house attorney,
and patent filings.
You agree that the Indemnified Parties will have no liability in connection with any
such breach or unauthorized use,
and you agree to indemnify any
and all resulting loss, damages, judgments, awards, costs,
expenses,
and attorneys»
fees of the Indemnified Parties in connection therewith.
You shall indemnify The Endocrine Society
and its directors, officers, employees, agents, contractors
and licensors («The Endocrine Society Indemnitees») against all claims, actions, suits,
and other proceedings («Claims») arising out of or incurred in connection with the Site
and your use of the Site, your fraud, violation of law, negligence, willful misconduct, or any other use of the Site, the User Materials, the Site Materials, the services, products, information
and other materials on
and in
and made available through the Site, (except to the extent attributable to The Endocrine Society), or any breach by you of these Terms
and Conditions
and shall indemnify
and hold the Endocrine Society Indemnitees harmless from
and against all judgments, losses, liabilities, damages, costs,
and expenses (including without limitation reasonable attorneys»
fees and attorneys» disbursements) arising out of or incurred in connection with
such Claims.
-- The Secretary shall pay to each individual entitled to educational assistance under this chapter who is pursuing an approved program of education (other than a program covered by subsections (e) through (i)-RRB- the amounts specified in subsection (c) to meet the
expenses of
such individual's subsistence, tuition,
fees,
and other educational costs for pursuit of
such program of education.
You are solely responsible for providing, at your own
expense, all equipment necessary to use the services, including a computer
and modem;
and your own Internet access (including payment of service
fees associated with
such access).
Not only are there the necessary
expenses, like venues
and caterers, but you also incur other costs,
such as coordination, officiant's
fees, transportation for guests,
and gratuities.
The idea is that the bigger companies subsidise the smaller players,
and while the
fees have rankled with some, Charly says they were introduced in the name of impartiality,
and to cover the
expenses of putting on
such a ceremony.
Although under some laws HBO may have a right to an award of attorneys»
fees and expenses if it prevails in an arbitration, HBO agrees that it will seek
such an award only in the event that the substance of your claim or the relief sought has been deemed by the arbitrator to be frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11 (b)-RRB-.
It highlighted the
expense of
such activities is «not just the direct cost of the
fees for the activity but also the associated cost of travel to
and from the activity, the cost of uniforms, kit or materials e.g. instruments».
Additionally, most plans cover tuition
and fees but not additional
expenses such as room
and board or textbooks.
Rather than looking to emulate the English model of the 1990s, the U.S. might instead consider emulating some key features of the modern English system that have helped moderate the impact of rising tuition,
such as deferring all tuition
fees until after graduation, increasing students» ability to cover living
expenses,
and automatically enrolling all graduates in an income - contingent loan repayment system that minimizes both paperwork hassle
and the risk of default.
Rather than looking to emulate the English model of the 1990s, the U.S. might instead consider emulating some key features of the modern English system that have helped moderate the impact of rising tuition,
such as deferring all tuition
fees until after graduation, increasing liquidity available to students to cover living
expenses,
and automatically enrolling all graduates in an income - contingent loan repayment system that minimizes both paperwork hassle
and the risk of default.
This new law passed earlier this year allows parents of students with special needs to withdraw their children from a public school
and receive a deposit of their child's state education dollars into a government authorized savings account for education
expenses,
such as tuition
and fees.
Whenever any civil action has been brought against any officer of the Florida College System institution board of trustees, including a board member, or any person employed by or agent of the Florida College System institution board of trustees, of any Florida College System institution for any act or omission arising out of
and in the course of the performance of his or her duties
and responsibilities, the Florida College System institution board of trustees may defray all costs of defending
such action, including reasonable attorney's
fees and expenses together with costs of appeal, if any,
and may save harmless
and protect
such person from any financial loss resulting therefrom;
and the Florida College System institution board of trustees may be self - insured, to enter into risk management programs, or to purchase insurance for whatever coverage it may choose, or to have any combination thereof, to cover all
such losses
and expenses.