Sentences with phrase «financial change like»

Even if you trust your current adviser, it never hurts to seek a second opinion, especially when making a momentous financial change like commuting an employer pension.

Not exact matches

Financial advisors say workers who are already close to retirement probably will witness fewer dramatic changes to the structure of Social Security and Medicare than younger workers like millennials.

Recognizing that carbon emissions resulting from consumption of these fuels is driving catastrophic global climate change, my role as leader of the company is to ensure that Virgin provides financial support to non-profit groups that are exploring renewable energy and seeking market - based solutions to climate change, like the Carbon War Room.

Waller told CNBC financial institutions in Colorado would like to service the legal marijuana industry in that state, but she does not know of a single one that changed its position as a result of the federal memos released last week.

The survey, comprising 1,000 Americans aged 40 to 59, concluded that having more financial security was the No. 1 life change that respondents said would increase their overall happiness — exceeding, by far, alternative options like building stronger relationships, cultivating more meaning and purpose, and having more time in the day.

Innovations like 3D printing and electronic financial trading platforms are driving sweeping change.

The changing of the seasons is as good a time as any to remind employees that products like supplemental life, critical illness and accident insurance coverage have the ability to protect their financial security to and through retirement.

Since regulatory changes have cracked down on other bank moneymakers like overdraft and interchange fees, financial institutions are looking for new revenue streams.

We believe that decentralised digital currencies like Bitcoin and Ethereum will fundamentally change how the world views and uses money: cheaper, faster and safer transactions; more privacy and freedom; a significantly better user experience; and ultimately, more equality through giving everyone in the world access to the same financial system, no matter who they are or where they are from.

AARP: Retirement Planning CFA Institute: Retirement Security Choose to Save: Ballpark E$ timate ® Edelman Financial Services LLC: Retirement & Estate Planning Financial Mentor ®: Retirement Calculators How to Save Money for Retirement (retirement savings guide) IRS: Adding Automatic Enrollment to Section 401 (k) Plans — Sample Amendments IRS: Changes in Your Life May Affect Retirement Planning IRS: Help with Choosing a Retirement Plan NEFE Financial Workshop Kits Retirement Series Preparing for Retirement from DOL Save it Like You Mean It: The (Non-Scary) Guide to Retirement Planning Saving Matters from DOL U.S. Department of Labor: Taking the Mystery Out of Retirement Planning WISER: What Women Need to Know About Retirement

These risks and uncertainties include food safety and food - borne illness concerns; litigation; unfavorable publicity; federal, state and local regulation of our business including health care reform, labor and insurance costs; technology failures; failure to execute a business continuity plan following a disaster; health concerns including virus outbreaks; the intensely competitive nature of the restaurant industry; factors impacting our ability to drive sales growth; the impact of indebtedness we incurred in the RARE acquisition; our plans to expand our newer brands like Bahama Breeze and Seasons 52; our ability to successfully integrate Eddie V's restaurant operations; a lack of suitable new restaurant locations; higher - than - anticipated costs to open, close or remodel restaurants; increased advertising and marketing costs; a failure to develop and recruit effective leaders; the price and availability of key food products and utilities; shortages or interruptions in the delivery of food and other products; volatility in the market value of derivatives; general macroeconomic factors, including unemployment and interest rates; disruptions in the financial markets; risk of doing business with franchisees and vendors in foreign markets; failure to protect our service marks or other intellectual property; a possible impairment in the carrying value of our goodwill or other intangible assets; a failure of our internal controls over financial reporting or changes in accounting standards; and other factors and uncertainties discussed from time to time in reports filed by Darden with the Securities and Exchange Commission.

Digital currencies like Bitcoin and Ethereum are rapidly changing the financial landscape, and the Luno team is at the forefront of this revolution.

If there is one thing that is for sure, 2013 is a stake that decentralized currencies like Bitcoin put in the heart of the financial space, forever changing global finance.

In conclusion, I would like to return to the question I posed at the beginning of this talk, and in fact the question I posed myself when I first came into this area a few months ago — has the way we look at financial stability changed since the GFC?

He created Sweating the Big Stuff to share the practical lessons he's learned about handling money, from small financial wins like negotiating a haircut, to more life - changing wins like negotiating a lower rent, or making friends using personal finance.

We believe that decentralised digital currencies like Bitcoin will fundamentally change how the world views and uses money: cheaper, faster and safer transactions; more privacy and financial freedom; a significantly better user experience; and...

Yet conversations have so far focused on concessions like China reducing tariffs on American cars, opening up its market for financial services and purchasing more semiconductors or natural gas — minor wins that are unlikely to satisfy Mr. Navarro and Mr. Lighthizer, who are pushing for significant and sweeping changes to China's market, according to people familiar with the negotiations.

In the remainder of my lecture I would like to cover both these topics, plus two other issues: what does the Reserve Bank need to do to fulfil its financial stability responsibilities; and whether the changes we have seen in the structure of financial systems over recent decades have made the system more or less stable.

In the US, Mercer reports that director compensation has increased partially due to increased market regulations like the Sarbanes - Oxley and Dodd - Frank Acts, as well as increased time commitments by boards.In this report I explore the changes in Canadian director compensation on the S&P / TSX Composite Index between 2009 and 2012 in the wake of the Financial Crisis.

We believe that decentralised digital currencies like Bitcoin will fundamentally change how the world views and uses money: cheaper, faster and safer transactions; more privacy and financial freedom; a significantly better user experience; and ultimately, more equality by giving everyone in the world access to the same financial system.

Yacktman said there's 3 opportune times to buy: when the whole market goes down / collapses (like the financial crisis of 2008), an industry shortfall (like 1993 with concerns of changing the healthcare industry), or an individual stock temporarily out of favor.

Like the financial markets, conditions on Everest can change quickly and with very little warning.

Medium - term changes, like the general opening of the market, be it the market for goods or services, in particular financial services etc, or even the labour market, all of these are accelerating the transformation of the system and the transformation of capitalism and they are having significant social consequences in all regions of the world.

This mayo is deelish and with financial backers like Bill Gates, expect HCF to be changing the way we think of vegan food in the very near future.

«With so many changes happening around things like driverless vehicles and electric vehicles, the bastion of selling petrol and hoping people will buy something else is a thing of the past,» Mr Rogut told The Australian Financial Review.

but, im ok with this vardy transfer... it shows us many things: 1) wenger is changing, something some of us have been demanding for a long time; 2) it shows that wenger is taking risks: think about it, he is buying a men for a not cheap price, knowing he could not getting anything after, with a future sell i mean... this is an act that shows wengers intentions to win something, the buy is not motivated by any financial or economic reason but only for a «get the f epl once again» reason... this is an act that shows us hungry, even if we fail, we could said we try... first ever, we really try; 3) finally but very important... vardy is the kind of player we need... he is a warrior, a fighter... he has character... look at how he celebrate his goals... full of energy... he, like alexis, can motivate the team when the things are not going in our way (something wenger cant do because of his age and because he has never been an active coach on the pitch)... the vardy transfer, if it finish well, is a demostration of a change, and a good one... lets take care of winning things and do nt look the economic side for once... vardy is a bit old, but we can give a chance to welbeck after maybe, or akpom... u are not thinking about the future when we talk about ibra... guys: u complain when wenger do nt spend or because he is always looking for the bargain when u are the guys who has to pay the very expensive tickets... u complain when wenger buy the always for the future guy... like morata... stop to complain for everything and be consequent with yourself... i would love auba, but it is not going to happen... lukaku is awesome but the asking price is stupid... lets try with vardy, give us the throphy..

with the change of the habitat, the increasing power of players, the stupid things like «the decision», growth in the financials of the game it nearly is impossible to sustain «team first mentality» for star players.

Deluded manager plus greedy board has created a crisis at arsenal with third rate players being paid first rate wages to keep them loyal and drugged up fans like yourself overdosing on 4th place high... True fans want change when they see the club going in wrong direction not a string of drug crazed platitudes from tribal loyalists who are so deluded themselves that they actually believe the blame for the crisis lies with the people who have been pointing to its causes... Do you think financial crises only happen because people start warning about overlevaraged banks, the speculative and fraudulent behaviour of their overpaid employees and the indulgence of their massively overpaid senior management... Pathetic comment

Time for some brutal honesty... this team, as it stands, is in no better position to compete next season than they were 12 months ago, minus the fact that some fans have been easily snowed by the acquisition of Lacazette, the free transfer LB and the release of Sanogo... if you look at the facts carefully you will see a team that still has far more questions than answers... to better show what I mean by this statement I will briefly discuss the current state of affairs on a position - by - position basis... in goal we have 4 potential candidates, but in reality we have only 1 option with any real future and somehow he's the only one we have actively tried to get rid of for years because he and his father were a little too involved on social media and he got caught smoking (funny how people still defend Wiltshire under the same and far worse circumstances)... you would think we would want to keep any goaltender that Juventus had interest in, as they seem to have a pretty good history when it comes to that position... as far as the defenders on our current roster there are only a few individuals whom have the skill and / or youth worthy of our time and / or investment, as such we should get rid of anyone who doesn't meet those simple requirements, which means we should get rid of DeBouchy, Gibbs, Gabriel, Mertz and loan out Chambers to see if last seasons foray with Middlesborough was an anomaly or a prediction of things to come... some fans have lamented wildly about the return of Mertz to the starting lineup due to his FA Cup performance but these sort of pie in the sky meanderings are indicative of what's wrong with this club and it's wishy - washy fan - base... in addition to these moves the club should aggressively pursue the acquisition of dominant and mobile CB to stabilize an all too fragile defensive group that has self - destructed on numerous occasions over the past 5 seasons... moving forward and building on our need to re-establish our once dominant presence throughout the middle of the park we need to target a CDM then do whatever it takes to get that player into the fold without any of the usual nickel and diming we have become famous for (this kind of ruthless haggling has cost us numerous special players and certainly can't help make the player in question feel good about the way their future potential employer feels about them)... in order for us to become dominant again we need to be strong up the middle again from Goalkeeper to CB to DM to ACM to striker, like we did in our most glorious years before and during Wenger's reign... with this in mind, if we want Ozil to be that dominant attacking midfielder we can't keep leaving him exposed to constant ridicule about his lack of defensive prowess and provide him with the proper players in the final third... he was never a good defensive player in Real or with the German National squad and they certainly didn't suffer as a result of his presence on the pitch... as for the rest of the midfield the blame falls squarely in the hands of Wenger and Gazidis, the fact that Ramsey, Ox, Sanchez and even Ozil were allowed to regularly start when none of the aforementioned had more than a year left under contract is criminal for a club of this size and financial might... the fact that we could find money for Walcott and Xhaka, who weren't even guaranteed starters, means that our whole business model needs a complete overhaul... for me it's time to get rid of some serious deadweight, even if it means selling them below what you believe their market value is just to simply right this ship and change the stagnant culture that currently exists... this means saying goodbye to Wiltshire, Elneny, Carzola, Walcott and Ramsey... everyone, minus Elneny, have spent just as much time on the training table as on the field of play, which would be manageable if they weren't so inconsistent from a performance standpoint (excluding Carzola, who is like the recent version of Rosicky — too bad, both will be deeply missed)... in their places we need to bring in some proven performers with no history of injuries... up front, although I do like the possibilities that a player like Lacazette presents, the fact that we had to wait so many years to acquire some true quality at the striker position falls once again squarely at the feet of Wenger... this issue highlights the ultimate scam being perpetrated by this club since the arrival of Kroenke: pretend your a small market club when it comes to making purchases but milk your fans like a big market club when it comes to ticket prices and merchandising... I believe the reason why Wenger hasn't pursued someone of Henry's quality, minus a fairly inexpensive RVP, was that he knew that they would demand players of a similar ilk to be brought on board and that wasn't possible when the business model was that of a «selling» club... does it really make sense that we could only make a cheeky bid for Suarez, or that we couldn't get Higuain over the line when he was being offered up for half the price he eventually went to Juve for, or that we've only paid any interest to strikers who were clearly not going to press their current teams to let them go to Arsenal like Benzema or Cavani... just part of the facade that finally came crashing down when Sanchez finally called their bluff... the fact remains that no one wants to win more than Sanchez, including Wenger, and although I don't agree with everything that he has done off the field, I would much rather have Alexis front and center than a manager who has clearly bought into the Kroenke model in large part due to the fact that his enormous ego suggests that only he could accomplish great things without breaking the bank... unfortunately that isn't possible anymore as the game has changed quite dramatically in the last 15 years, which has left a largely complacent and complicit Wenger on the outside looking in... so don't blame those players who demanded more and were left wanting... don't blame those fans who have tried desperately to raise awareness for several years when cracks began to appear... place the blame at the feet of those who were well aware all along of the potential pitfalls of just such a plan but continued to follow it even when it was no longer a financial necessity, like it ever really was...

Ever since they paid big money for Falcao they changed there financial structure to a more self sustaining structure like ours at A.F.C. if anything they have become a selling club since the change James Rodriguez, Bernardo Silva and I'm sure alot more off this season's title winning side will be sold to the highest bidder.

«For Arsenal to consistently challenge for the title they need a new billionaire owner like Usmanov or a massive change in the financial strategy of the club.

I'd also like to get more financial data on the San Francisco district to see if these changes could be affordably replicated in my own.

But the mayor cautioned that the only way cities like Syracuse will be able to fix the larger problem of leaking water pipes is if Congress provides financial aid while tackling a root cause of the problem — climate change.

«There are a lot of big challenges that our country faces, whether it's still the impact of globalisation in hollowing out the labour market, or demographic change, like the OBR tell us that the biggest challenge to our financial stability as a country is demographic change, an ageing population and how we deal with that.

«We continue to demand that financial institutions like JPMorgan Chase disassociate themselves from Trump and change their business practices,» he added.

«I like to say that with the help of, certainly, the leadership of the Common Council and the mayor's financial staff, we have been able to make these changes.

But the unfavourable economic environment is bound to change, and when it does, biologists with some business experience will again be in demand, not only in financial businesses like VC and investment banks, but also in biotech companies, which need to become much more astute as they mature.

LONDON (Reuters)- Extreme floods like those swamping parts of Britain in recent months could become more frequent in Europe by 2050, more than quadrupling financial losses, if climate change worsens and more people live in vulnerable areas, research showed on Sunday.

Many natural phenomena, like changing weather patterns, are nonlinear in nature — as are human - made systems, like financial markets.

Having your company clothes fitted with custom labels may seem like an unnecessary expense, but you might not be thinking about the long - term financial benefits that this small change can make.

Like King's attempts to wrest control of women's tennis from the regressive, reactionary men who controlled the financial structure, including prize money, change toward equality, both women's and LBGTQ, was and continues to be gradual, incremental, but rarely temporary.

A kind of neo-noir about the financial world might seem like a complete change of pace after that.

Even in a healthy financial environment, in an age of lightning - fast changes to technology and the way people work, change and adaptation is a necessary — even critical — process to master for a company to succeed in the long term.A change can be relatively small (though some might disagree with this characterization), like

Santander also found that the sacrifices these parents make go beyond financial, with 17 per cent having changed jobs as a result of the move, 20 per cent saying they were forced to downsize and 15 per cent saying they moved to an area they did not like.

Like it or not, the financial landscape of educational technology is changing.

«I've never seen a time like this in all the decades I've worked in the field,» Dede began, admitting that while most of the changes in edtech have been driven by «financial constraints in school,» it's nevertheless driving a lot of change that is positive.

Confronted with challenges like changing economic needs, local historical perceptions, and teacher retention and financial resource issues, innovative district leaders in rural communities are taking an opportunity to plan for success.

He also cites two areas that were arguably not under his purview — the failure to pass a bill allowing federal financial aid eligibility for undocumented immigrant college students and any kind of substantive change to gun laws — as among the areas he would've liked to see a different outcome.

We're proud to have worked with organisations like the Financial Times, IATA, Concordia and IFF to drive behavioural change and return on investment.

They do not get the concept or try to get the concept of your living expenses and financial availability they will lie straight to your face and tell you that they are going to try to get you the deal when in fact as soon as they go behind that glass box they are all buddies running your credit and saying none of it counts they do not take in credit history or kelly blue book into consideration they even told me that kelly blue book changes and when i asked when was the last time it changed the guy told me yesterday, the young woman who was trying to at least get me a pretty decent deal was looking like what the hells was going on, like hello don't you know where his financial availability is at why are you pushing him to pay more?