Sentences with phrase «financial benefits over»

The Economist has crunched the numbers and found that if diesel becomes popular in North - America, there will be supply problems and the price of the fuel could rise significantly, erasing any financial benefits over gasoline.

A good investment adviser can provide tremendous financial benefits over time, especially for those who lack the time / interest / capacity to handle their bigger financial issues.

Not exact matches

The benefits of making smart money moves now will compound over time and have the potential to make a big impact on your financial picture.

As tax revenues have shrunk, the city's financial obligations have grown — mainly to an ever - expanding pool of 30,000 retirees, promised life - time pensions and health benefits by short - sighted government officials over decades who consistently failed to fund those future obligations.

A typical couple will receive more than $ 1 million in Social Security benefits over their lifetime, according to Christopher Jones, chief investment officer at Financial Engines, a provider of financial advice and asset maFinancial Engines, a provider of financial advice and asset mafinancial advice and asset management.

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).

The interplay between these dynamics will play out over 2018, but as rates eventually rise, financial stocks could be poised to benefit given the long term relationship between interest rates and banks» net interest margins (NIMs).2

thanks, and yes, a pittance of a pension and regular checkups keep us on budget and head off any problems — best decision i ever made (financial or otherwise) was serving our country doing search - and - rescue, oil and chemical spill remediation, etc. (you can guess the branch of service)-- along the way, frugal living, along with dollar - cost averaging, asset allocation, and diversification allowed us to retire early — Vanguard has been very good over the years, despite the Dot Bomb, 2002, and the recession (where we actually came out better with a modest but bargain retirement home purchase)... it's not easy building additional «legs» on a retirement platform, but now that we're here, cash, real estate, investments and insurance products, along with a small pension all help to avoid any real dependence on social security (we won't even need it at full retirement age)-- however, like nearly everybody, we're headed for Medicare in several years, albeit with a nice supplemental and pharmacy benefits — but our main concern is staying fit, active, and healthy!

Such risks and uncertainties include, but are not limited to: our ability to achieve our financial, strategic and operational plans or initiatives; our ability to predict and manage medical costs and price effectively and develop and maintain good relationships with physicians, hospitals and other health care providers; the impact of modifications to our operations and processes; our ability to identify potential strategic acquisitions or transactions and realize the expected benefits of such transactions, including with respect to the Merger; the substantial level of government regulation over our business and the potential effects of new laws or regulations or changes in existing laws or regulations; the outcome of litigation, regulatory audits, investigations, actions and / or guaranty fund assessments; uncertainties surrounding participation in government - sponsored programs such as Medicare; the effectiveness and security of our information technology and other business systems; unfavorable industry, economic or political conditions, including foreign currency movements; acts of war, terrorism, natural disasters or pandemics; our ability to obtain shareholder or regulatory approvals required for the Merger or the requirement to accept conditions that could reduce the anticipated benefits of the Merger as a condition to obtaining regulatory approvals; a longer time than anticipated to consummate the proposed Merger; problems regarding the successful integration of the businesses of Express Scripts and Cigna; unexpected costs regarding the proposed Merger; diversion of management's attention from ongoing business operations and opportunities during the pendency of the Merger; potential litigation associated with the proposed Merger; the ability to retain key personnel; the availability of financing, including relating to the proposed Merger; effects on the businesses as a result of uncertainty surrounding the proposed Merger; as well as more specific risks and uncertainties discussed in our most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.cigna.com as well as on Express Scripts» most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.express-scripts.com.

PRPPs make it easier for individuals to take control over their financial futures at the place they work where defined benefit plans may no longer be available;

The young investors who are looking to enter the market would likely be cheered by investors, who have long argued that millennials should get over what some have described as an aversion to equities — a byproduct of their coming of age and starting their careers during the worst of the financial crisis — and take advantage of a long - term, buy - and - hold strategy that allows them to benefit from compound interest.

AARP: Benefits, Advocacy and Information on Aging for People Age 50 and Over The Actuarial Foundation: Consumer Financial Education Advantage Publications: Slide Calculator Sample Request Form America Saves Ask CFPB (Consumer Financial Protection Bureau) CareConnectUSA: Financial Assistance Hotlines for Families Consumer Federation of America: Consumer Information Consumer Financial Protection Bureau: CFPB Bulk Publications FDIC Consumer News U.S. Department of Labor Health Benefits Education Campaign U.S. Department of Labor Retirement Savings Education Campaign - Saving Matters Women's Institute for a Secure Retirement (WISER)

In addition to the financial benefits and competitive advantage over Lyft, being the first with driverless cars operating in an on - demand fleet has significant technological benefits.

For decades, Japan Inc. has been managed for the benefit of multiple stakeholders, with social goals often taking precedence over financial goals.

On the spending side of the ledger, the priorities have been agriculture support (after two weak monsoons), rural development spending, infrastructure investments and a massive structural shift to direct benefit transfers deposited in the bank accounts of beneficiaries — made possible by the extraordinary biometric identity card program (Aadhaar) covering 950 million people, and the impressive financial inclusion initiative which has opened over 200 million new bank accounts for impoverished families.

While the bullish case for gold is directly contrary to the interests of the financial establishment generally, it is of extreme interest and benefit to the subset of the establishment that has made more than $ 1,000,000,000,000.00 in illegal profits over the past forty years by rigging the gold market, and that wishes to steal as much additional money as they can get away with.

Freeing Main Street community banks from regulations designed for larger and riskier Wall Street financial firms will produce a positive economic impact while preserving the widespread benefits of local banking over the long - term.

The rule is long — running over 1,000 pages — and complicated, but «doable» for financial advisors, says Marcia Wagner, managing director of the Wagner Law Group, a Boston law firm specializing in employee benefits and pension law.

Much of the debate over the past years about the benefits and the costs global specialization, primarily the rapid advance of China as a major manufacturing center has been less about the financial costs — the $ 12 trillion dollars of additional liquidity that the US consumers offered to the world (the cumulative US trade deficit from 1990 through 2015 compared to the over $ 3 trillion dollars in trade surplus run - up by China over this same period — and more in terms of the jobs lost and the impact of foreign products on American wages in manufacturing.

The one benefit the churches might possibly have provided that would almost surely have sustained their governance and influence over the universities and colleges was financial subsidy, whether as direct grants from the churches or as gifts from affluent church members.

StemExpress, a for - profit company partnered with over 30 abortion clinics, including Planned Parenthood, to harvest and sell aborted baby parts and provide a «financial benefit» to Planned Parenthood clinics, is attempting to use meritless litigation to cover - up this illegal baby parts trade, suppress free speech, and silence the citizen press reporting on issues of burning concern to the American public.

Harris Ranch offers a comprehensive benefits package for managerial employees, including health insurance, employer - match 401k, vacation and sick leave, all backed by a quality of life philosophy and over 25 years of financial growth and stability.

The issue over Muhammad's eligibility relates to improper financial benefits during his recruitment and ties to a pair of financial advisors.

In comparison to the huge financial benefits obtained by cloth diapering over the long term, an in - depth discussion of the potential actualized value associated with various intangible benefits brought about by cloth diapering may seem insignificant.

And most of all, we hope to convince disposable diaper moms to come over to the «cloth» side by reaping the health, financial, and environmental benefits that cloth diapering provides.

But civilians may feel that measures to ensure the physical security of former FARC fighters and provide them financial benefits favor the ex-guerrillas over noncombatants.

Over the past few months, ministers have removed child benefit from wealthier families with one breadwinner and restricted financial help with child care to those mothers returning to work, yet repeatedly delayed a promise to bring in tax breaks for married couples.»

'' This is the beginning of the united effort of exerting final pressure to extricate ourselves from over 50 years span of un-established union with Ghana which has not yielded any benefits — social, economic and financial security to the common people of the land,» Mr Kudjordjie stated.

But the report says uncertainty over location and customers, as well as competition with other gambling operations in the crowded Northeast market, make it hard to quantify the new casinos» financial benefits.

«For over a decade, this ring of six defendants allegedly lied to city and federal officials about their financial status in order to obtain benefits that were meant for the needy,» said U.S. Attorney Preet Bharara.

Just a year before its fall, the Rock testified to an all - party parliamentary group that «mutual status does not encourage efficiency... [our] success over eight years would not have been possible under the old mutual model».1 But the report published by that very all - party group asserted that, bar the high salaries awarded to senior executives, the wave of demutualisation brought little benefit to the financial services sector and its customers.

Over the course of several years, authorities allege, Reichberg provided Grant and Harrington with personal and financial benefits, including paying for uniforms, jewelry, prostitutes, expensive meals and trips.

But Mr. Molo hammered her under cross-examination about her family's financial holdings, showing she had taken action over the years on legislation that could benefit stocks that she owns.

Bellone and Spano both had financial advantages over their opponents, as well as the benefit of running in Democratic - heavy areas.

S&P cited the County's «strong budgetary flexibility that has remained consistent over time,» «very strong liquidity, with strong access to external liquidity,» «strong management, with good financial policies and practices in place,» and the County's «strong debt and contingent liability profile, with limited exposure to fixed costs associated with pension and other postemployment benefit libation (OPEB) liabilities.»

In a study set to take place over the course of a year, the Metropolitan Transportation Authority will look at factors such as ridership, current bus routes and the lines that were cut in 2010 at the height of the agency's financial crisis and will determine if changes can be made to benefit residents in the northeastern part of the borough.

MARKETWIRE - Apr 8 - SNAP Interactive, a provider of online dating apps for social networks, has experienced an increase of more than 69 % in Q1 2010 gross receipts over Q1 2009 gross receipts based on preliminary results as it begins to see the financial benefits of the subscription model on its AreYouInterested.com.

The city had some of the worst schools in the nation, rapid superintendent turnover, and a human resources and financial crisis leaving over $ 3 million in salary and benefits being paid to deceased employees.

With the School Travel Forum 2015 Survey of over 2,000 secondary school teachers showing that 22 per cent of school trip organisers are still opting to make their own travel arrangements and bypass the quality, safety and financial security benefits of travelling with an assured provider, going forward it is our role to win over those teachers who are still unaware of the technical and professional support that is at their disposal.

When earnings from 529 contributions accrue over long time periods as they do, for example, when parents establish and fund a 529 plan when their child is young and begin to draw it down when that child enters college, the financial benefit of exemption from federal taxes can be substantial.

Each of SDP's three core operating strategies benefit from additional operating financial support, bolstering the overall model through place - based and «R&D» investments to address key opportunities and challenges over the coming three years.

And that doesn't even take into account the state's fiscal crisis over how to pay for rising pension and benefit costs — which is sure to further limit any possible financial relief for schools.

We realize the benefits, both financial and from a pedagogical stand point of «going open» and plan to curate OER resources with teachers of all grade levels and content areas over the next few years.

Maryland noted that «teachers are provided with information about how their benefits accrue over time,» citing the Comprehensive Annual Financial Report and member handbook.

Now that everyone can enjoy the legal and financial benefits of marriage, the initial rush to the courthouse is over.

The advantage of getting loan approval without collateral means no assets are put at risk, but the principal benefit is that the financial situation is improved over all.

the financial year in which the contributions splitting application is made, if the entire benefit is to be rolled over or transferred in that financial year.

But if you don't have the financial discipline to use them wisely and without making any mistakes, then those benefits will be gone many times over in interest, overspending, and other fees.

«In much the same way investment advisors and the investment industry preach dollar - cost - averaging and investing small increments of money over a long period of time, as opposed to one lump sum of money all at once, I think that just goes to justify the benefit of taking the payments over the long run,» says Heath, «Especially if one didn't have a lot of financial aptitude.»

If you'd like to see how you may benefit in your particular situation, speak to one of our Reverse Mortgage Professionals who will sit down with you and go over a customized financial strategy in order to take full advantage of all the benefits a reverse mortgage has to offer you.