Sentences with phrase «filed in a financial year»

Claim settlement ratio — The number of claims settled by the company to the total number of claims filed in a financial year.

A claim settlement ratio is a percentage that indicates the number of insurance claims settled against the number of claims filed in a financial year.

Not exact matches

«The market changed its sentiment in 2014, so when we filed there was really an appetite for growth, and by the time we were ready to go out, it had switched to more focused on profitability and so we decided to change our financial profile this year,» Steckelberg said.

Yet, according to financial reports filed with the Securities and Exchange Commission, that same year Trump received $ 583,333 in compensation from the then - named Trump Hotels & Casino Resorts, the company Trump had taken public in the middle of that year.

Further, PDC urges you to carefully review and consider the cautionary statements and disclosures, specifically those under the heading «Risk Factors,» made in its Quarterly Report on Form 10 - Q, its Annual Report on Form 10 - K for the year ended December 31, 2016 (the «2016 Form 10 - K»), filed with the U.S. Securities and Exchange Commission («SEC») on February 28, 2017 and amended on May 1, 2018, and other filings with the SEC for further information on risks and uncertainties that could affect the Company's business, financial condition, results of operations, and prospects, which are incorporated by this reference as though fully set forth herein.

The first cross-complaint, filed in February, stated that TMG «did everything within its power over the last 17 years to protect Depp from himself and to keep Depp financially solvent» but that TMG «did not have the power or ability to control Depp's spending or his numerous other vices, or to force Depp to make wiser financial decisions.»

In 2015, New York - based competitor Bounce Exchange filed a suit against Yieldify in a New York federal court, accusing it of copying its code and infringing its patents, in a case that first came to light earlier this year in a report from The Financial TimeIn 2015, New York - based competitor Bounce Exchange filed a suit against Yieldify in a New York federal court, accusing it of copying its code and infringing its patents, in a case that first came to light earlier this year in a report from The Financial Timein a New York federal court, accusing it of copying its code and infringing its patents, in a case that first came to light earlier this year in a report from The Financial Timein a case that first came to light earlier this year in a report from The Financial Timein a report from The Financial Times.

After Tax Day is finally in the rearview mirror and you've filed your return, sit down and try to identify a better way of maintaining your financial records — not just during tax season but all year round, so that you're not in this same situation again next year.

These risks and uncertainties include: Gilead's ability to achieve its anticipated full year 2018 financial results; Gilead's ability to sustain growth in revenues for its antiviral and other programs; the risk that private and public payers may be reluctant to provide, or continue to provide, coverage or reimbursement for new products, including Vosevi, Yescarta, Epclusa, Harvoni, Genvoya, Odefsey, Descovy, Biktarvy and Vemlidy ®; austerity measures in European countries that may increase the amount of discount required on Gilead's products; an increase in discounts, chargebacks and rebates due to ongoing contracts and future negotiations with commercial and government payers; a larger than anticipated shift in payer mix to more highly discounted payer segments and geographic regions and decreases in treatment duration; availability of funding for state AIDS Drug Assistance Programs (ADAPs); continued fluctuations in ADAP purchases driven by federal and state grant cycles which may not mirror patient demand and may cause fluctuations in Gilead's earnings; market share and price erosion caused by the introduction of generic versions of Viread and Truvada, an uncertain global macroeconomic environment; and potential amendments to the Affordable Care Act or other government action that could have the effect of lowering prices or reducing the number of insured patients; the possibility of unfavorable results from clinical trials involving investigational compounds; Gilead's ability to initiate clinical trials in its currently anticipated timeframes; the levels of inventory held by wholesalers and retailers which may cause fluctuations in Gilead's earnings; Kite's ability to develop and commercialize cell therapies utilizing the zinc finger nuclease technology platform and realize the benefits of the Sangamo partnership; Gilead's ability to submit new drug applications for new product candidates in the timelines currently anticipated; Gilead's ability to receive regulatory approvals in a timely manner or at all, for new and current products, including Biktarvy; Gilead's ability to successfully commercialize its products, including Biktarvy; the risk that physicians and patients may not see advantages of these products over other therapies and may therefore be reluctant to prescribe the products; Gilead's ability to successfully develop its hematology / oncology and inflammation / respiratory programs; safety and efficacy data from clinical studies may not warrant further development of Gilead's product candidates, including GS - 9620 and Yescarta in combination with Pfizer's utomilumab; Gilead's ability to pay dividends or complete its share repurchase program due to changes in its stock price, corporate or other market conditions; fluctuations in the foreign exchange rate of the U.S. dollar that may cause an unfavorable foreign currency exchange impact on Gilead's future revenues and pre-tax earnings; and other risks identified from time to time in Gilead's reports filed with the U.S. Securities and Exchange Commission (the SEC).

Factors that could cause or contribute to actual results differing from our forward - looking statements include risks relating to: failure of DBRS to rate the Notes at the anticipated ratings levels, which is a closing condition, or at all; changes in the financial markets, including changes in credit markets, interest rates, securitization markets generally and our proposed securitization in particular; the willingness of investors to buy the Notes; adverse developments regarding OnDeck, its business or the online or broader marketplace lending industry generally, any of which could impact what credit ratings, if any, are issued with respect to the Notes; the extended settlement cycle for the scheduled closing on April 17, 2018, which may exacerbate the foregoing risks; and other risks, including those described in our Annual Report on Form 10 - K for the year ended December 31, 2017 and in other documents that we file with the Securities and Exchange Commission from time to time which are or will be available on the Commission's website at www.sec.gov.

The assumptions used in the valuation of these awards are set forth in the notes to our consolidated financial statements, which are included in our Annual Report on Form 10 - K for the year ended December 31, 2017, filed with the SEC on February 23, 2018.

The platform clocked in Rs 65 lakh in earnings before interest, taxes, depreciation and amortisation (EBITDA) during the first quarter of the current financial year, according to a filing by the Noida - based company with the Bombay Stock Exchange on October 12.

Also adding to the awkward questions for Facebook: Board member, Thiel, who supported Trump's presidential bid, made a $ 1M financial donation to a Trump - supporting Super PAC, called Make America Number 1, in 2016 — which Mashable reports subsequently paid Cambridge Analytica $ 231,352 toward the end of the same year, per an FEC filing.

Valeant announced today that it anticipates a delay in filing its audited annual financial statements for the year ended December 31, 2015, the related management's discussion and analysis, certificates of its CEO and CFO and its 2015 Form 10 - K (collectively, the «Canadian Required Filings») with Canadian securities regulators until after the March 30, 2016 filing deadline.

The company is in the process of restating the affected financial statements and the restated financial statements will be included in the company's Annual Report on Form 10 - K for the year ended December 31, 2015, which the company intends to file with the Securities and Exchange Commission and the Canadian Securities Regulators on or before April 29, 2016.

Management of the company, the Audit and Risk Committee (the «Committee») and the Board have concluded that the company's audited financial statements for the year ended, and unaudited financial statements for the quarter ended, December 31, 2014 included in the company's Annual Report on Form 10 - K and the unaudited financial statements included in the company's Quarterly Report on Form 10 - Q for the quarter ended March 31, 2015 should no longer be relied upon due to the misstatements described in the company's Form 8 - K filed today.

For the second year in a row, TPUB's annual 10 - K filing has had to note «material weaknesses in the Company's internal control over financial reporting.»

Once Levy was a Madoff client, the relationship included classic, unchecked evidence of money laundering for years and years that should have resulted in legally - mandated Suspicious Activity Reports (SARs) filed with the U.S. Treasury Department's Financial Crimes Enforcement Network (FinCEN).

The debt - restructuring petition was filed by Puerto Rico's financial oversight board in the U.S. District Court in Puerto Rico under Title III of last year's U.S. congressional rescue law known as PROMESA.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

In his first year as LPL Financial's CEO, Dan Arnold earned $ 7.4 million, substantially more than the $ 5.4 million his predecessor earned in his last year in that position, according to the firm's proxy statement filed with the Securities and.In his first year as LPL Financial's CEO, Dan Arnold earned $ 7.4 million, substantially more than the $ 5.4 million his predecessor earned in his last year in that position, according to the firm's proxy statement filed with the Securities and.in his last year in that position, according to the firm's proxy statement filed with the Securities and.in that position, according to the firm's proxy statement filed with the Securities and...

Palladian Health, like most of the firms named in the subpoena that arrived at Buffalo City Hall in July, made political contributions to Brown over the years, according to financial reports filed with the state Board of Elections.

Financial records filed in the secretive tax haven of Cyprus, where Paul Manafort kept bank accounts during his years working in Ukraine and investing with a Russian oligarch, indicate he was in debt to pro-Russia interests by as much as $ 17 million before he joined Trump's presidential campaign in March 2016.

To get re-elected in 2002, Pataki lied, claiming that a fare increase was unnecessary while hiding the unsustainable borrowing by not filing the legally required four - year financial plan and delaying the impact of the borrowing by working out a teaser rate with Bear Stearns.

ALBANY — Governor Andrew Cuomo's running mate for lieutenant governor, Kathy Hochul, earned between $ 150,000 and $ 250,000 a year in her job as a vice president at M&T Bank, according to financial disclosure records filed with the state's ethics commission.

Financial disclosures filed last year show 24 lawmakers, mostly lawyers, were making about as much or more in outside income as their $ 79,500 base annual pay from the state.

Palladian Health, like most of the firms named in the subpoena that arrived at City Hall in July, made political contributions to Mayor Byron W. Brown over the years, according to financial reports filed with the New York State Board of Elections.

Clinton earned more than $ 5 million in royalties for her 2014 memoir, «Hard Choices,» and roughly $ 1.5 million delivering speeches last year, according to a personal financial disclosure her campaign released hours after Trump said he had filed his own disclosure with the FEC, as required by law.

Financial disclosures filed last year show just 24 state lawmakers — mostly lawyers — were making about as much or more in outside income as their $ 79,500 base annual pay from the state.

Also, a financial disclosure form filed in 2011 by the official, Christopher Walsh, shows that Howe — who has pleaded guilty in a massive state corruption case — owed Walsh between $ 1,000 and $ 5,000 for an «unsecured» loan at that year's end.

The owners of Tops Markets, with a hefty debt burden and soft sales causing its losses to nearly double last year, filed for bankruptcy protection in hopes that it can slash its interest payments and emerge in more competitive financial shape.

Rochester City School students are ahead of last year's pace in their filing of Federal financial aid forms to apply to college.

That wasn't the case last year, when Conway accepted $ 2,513.79 in travel, meals and lodging from the Independent Voter Project, according to her most recent financial disclosure statements filed with the state.

The majority of the sales have come in the last four years, after the Abyssinian Baptist Church's real estate and social services arm stopped filing mandatory federal financial disclosure forms.

The Truman Democratic Club is not registered with the state and has not submitted financial disclosures for at least 18 years, despite taking in tens of thousands of dollars, according to the complaint filed with the state Board of Elections by downtown activist Jeremy Sherber.

Financial contributions in this year's Buffalo School Board election soared past the amount given in previous district races, with donors putting more than $ 156,000 into the six contests.And that figure doesn't represent the full extent of resources put into the races, since some candidates have neglected to file their final financial reports and others failed to repFinancial contributions in this year's Buffalo School Board election soared past the amount given in previous district races, with donors putting more than $ 156,000 into the six contests.And that figure doesn't represent the full extent of resources put into the races, since some candidates have neglected to file their final financial reports and others failed to repfinancial reports and others failed to report ca...

The Times reported Howe's financial scandals included failure to pay back a home equity loan, three home foreclosure cases, lawsuits filed by home contractors for non-payment and a bank - theft case involving $ 45,000 in phantom funds to which he pleaded guilty in 2010 and was sentenced to one year of probation.

Williams took in $ 152,320 during the last quarter of the year, but had to dig into his own pockets to edge out his opponents, according to new financial disclosure reports filed with the Federal Election Commission.

A self - described Democratic business expert running for Congress in Illinois has not reported earning income from his own consulting firm for the last three years, according to financial disclosure forms, leading one constituent to file a complaint with the Federal Elections Commission (FEC).

We were able to include parent organizations that filed either an IRS Form 990 or a Form 990 - EZ in those years.48 However, several known PTAs are missing because their revenues were low enough — typically, less than $ 50,000 — that they were not required to report, or we were unable to locate recent financial information from the IRS or other sources of tax reporting information.

Since joining the Office of the Chief Financial Officer in 2005, she has led the launch of many high - priority, complex programs and initiatives including Federal Spending Transparency, the Department - wide Internal Control Program, and most recently, completing a three - year phased approach to implementing the Digital Accountability and Transparency (DATA) Act being one of the first cabinet level agencies to submit data files prior to the reporting deadline.

More information on potential factors that could affect the Company's financial results is included from time to time in the «Risk Factors» and «Management's Discussion and Analysis of Financial Condition and Results of Operations» sections of the Company's public reports filed with the SEC, including the Company's Form 10 - K for the fiscal year ended September 24, 2011 and its Form 10 - Q for the fiscal quarter ended December 31, 2011 to be filed withfinancial results is included from time to time in the «Risk Factors» and «Management's Discussion and Analysis of Financial Condition and Results of Operations» sections of the Company's public reports filed with the SEC, including the Company's Form 10 - K for the fiscal year ended September 24, 2011 and its Form 10 - Q for the fiscal quarter ended December 31, 2011 to be filed withFinancial Condition and Results of Operations» sections of the Company's public reports filed with the SEC, including the Company's Form 10 - K for the fiscal year ended September 24, 2011 and its Form 10 - Q for the fiscal quarter ended December 31, 2011 to be filed with the SEC.

According to accounts filed with the Charity Commission, the literary festival made a net loss of # 18,535 in the 2013/14 financial year.

More information on potential factors that could affect the Company's financial results is included from time to time in the «Risk Factors» and «Management's Discussion and Analysis of Financial Condition and Results of Operations» sections of the Company's public reports filed with the SEC, including the Company's Form 10 - K for the fiscal year ended September 24, 2011, its Forms 10 - Q for the fiscal quarters ended December 31, 2011 and March 31, 2012, and its Form 10 - Q for the quarter ended June 30, 2012 to be filed withfinancial results is included from time to time in the «Risk Factors» and «Management's Discussion and Analysis of Financial Condition and Results of Operations» sections of the Company's public reports filed with the SEC, including the Company's Form 10 - K for the fiscal year ended September 24, 2011, its Forms 10 - Q for the fiscal quarters ended December 31, 2011 and March 31, 2012, and its Form 10 - Q for the quarter ended June 30, 2012 to be filed withFinancial Condition and Results of Operations» sections of the Company's public reports filed with the SEC, including the Company's Form 10 - K for the fiscal year ended September 24, 2011, its Forms 10 - Q for the fiscal quarters ended December 31, 2011 and March 31, 2012, and its Form 10 - Q for the quarter ended June 30, 2012 to be filed with the SEC.

More information on potential factors that could affect the Company's financial results is included from time to time in the «Risk Factors» and «Management's Discussion and Analysis of Financial Condition and Results of Operations» sections of the Company's public reports filed with the SEC, including the Company's Form 10 - K for the fiscal year ended September 25, 2010, its Forms 10 - Q for the quarters ended December 25, 2010 and March 26, 2011, and its Form 10 - Q for the quarter ended June 25, 2011 to be filed withfinancial results is included from time to time in the «Risk Factors» and «Management's Discussion and Analysis of Financial Condition and Results of Operations» sections of the Company's public reports filed with the SEC, including the Company's Form 10 - K for the fiscal year ended September 25, 2010, its Forms 10 - Q for the quarters ended December 25, 2010 and March 26, 2011, and its Form 10 - Q for the quarter ended June 25, 2011 to be filed withFinancial Condition and Results of Operations» sections of the Company's public reports filed with the SEC, including the Company's Form 10 - K for the fiscal year ended September 25, 2010, its Forms 10 - Q for the quarters ended December 25, 2010 and March 26, 2011, and its Form 10 - Q for the quarter ended June 25, 2011 to be filed with the SEC.

INTERVIEWS Nick Harkaway: A Little Bit Quantum / 12 Ada Palmer: Beyond the Exponential Age / 26 MAIN STORIES / 5 2018 Hugo Awards Ballot • 1943 Retro Hugo Awards • ENMU Special Collections Library Update • Vaughn Wins PKD Award • 2017 BSFA Winners • Groff and Miéville Win Guggenheim Fellowships • 2017 Aurealis Awards Winners • 2017 Kitschies Winners • Ditmar Awards Winners THE DATA FILE / 7 2018 Sturgeon Award Finalists • Prometheus Award Finalists • Greer Wins Pulitzer • Neukom Awards Shortlist • Robinson Named Nebula Awards Toastmaster • Charon's Features Named • Rebellion SFF Commissioning Team • Bradbury Studies NEH Grant • Amazing Stories Returns to Print • LeVar Burton Reads • Mythic Delirium Closes • Publishing News • People & Publishing Continues: Media • Workshop News • World Conventions News • Announcements • Awards News • Financial News • International Rights • Other Rights • Publications Received • Catalogs Received PEOPLE & PUBLISHING / 8 Notes on milestones, awards, books sold, etc., with news this issue about Liz Bourke & Charlotte Cuffe, Thomas Pynchon, J.R.R. Tolkien, Jesmyn Ward, James Tiptree, Jr., Michael Bishop, Tad Williams, and many others SPECIAL FEATURES Commentary: Cory Doctorow: The Engagement - Maximization Presidency / 25 Rainforest Writers Village / 57 Chinese SF New Year Gala / 58 SF in SF with Michael Moorcock / 61 CONVENTIONS 2018 International Conference on the Fantastic in the Arts / 28 2018 Williamson Lectureship / 31 2018 Writers and Illustrators of the Future Awards / 32 Norwescon 41 / 33 The Outer Dark Symposium / 34 LISTINGS Magazines Received: March / 36 Books Received: March / 37 British Books Received: February / 48 Bestsellers / 50 OBITUARIES / 63 Philip Kerr • Ahmed Khalid Towfik • David Bischoff • Appreciation for Peter Nicholls by Neil Gaiman, John Clute, and Jack Dann EDITORIAL MATTERS / 66 Locus • Visitors • This Issue / Next Issue

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the effect of the proposed separation of NOOK Media, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

A report issued in 2011 by the Institute of Financial Literacy, titled «A Five Year Perspective of the American Debtor,» shows the gap between women and men who filed for bankruptcy is shrinking.

Sir, I've not been able to file ITR for the financial year 2014 - 15 due to certain reasons — laziness, lack of time, etc... well, it seems to me that I won't be able to do the needful by the 31st of March 2016 as well... Apart from my business income (does not need audit), I have income from other sources, such as House rent, Shop rent, etc... totaling around 4.5 lacs... What if I file ITR for financial year 2014 - 15 after 31st March 2016, say in May, July or Nov 2016... would I be liable for penalty (Rs. 5000) apart from interest on tax amount!?