This makes sense — having a kid is a trigger for a lot of
financial changes in your life, and re-assessing your life insurance needs is a natural thing to do after your child is born.
If you haven't had any major
financial changes in the last year, that little meeting with yourself will go by really quickly!
Find a trusted financial professional when dealing with
the financial changes in your life.
Most people who find themselves with bad credit arrive at that point due to
financial changes in their life.
«From a financial standpoint, they've had
some financial changes in their household.»
Not exact matches
And consider a backup plan
in case life
changes for your kids — for example, they move to another city and you don't want to follow them, or they have
financial hardships of their own that prevent them from helping you.
Important factors that could cause actual results to differ materially from those reflected
in such forward - looking statements and that should be considered
in evaluating our outlook include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost of accommodating, announced increases
in the build rates of certain aircraft; 6) the effect on aircraft demand and build rates of
changing customer preferences for business aircraft, including the effect of global economic conditions on the business aircraft market and expanding conflicts or political unrest
in the Middle East or Asia; 7) customer cancellations or deferrals as a result of global economic uncertainty or otherwise; 8) the effect of economic conditions
in the industries and markets
in which we operate
in the U.S. and globally and any
changes therein, including fluctuations
in foreign currency exchange rates; 9) the success and timely execution of key milestones such as the receipt of necessary regulatory approvals, including our ability to obtain
in a timely fashion any required regulatory or other third party approvals for the consummation of our announced acquisition of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts of terrorism; 14) any adverse impact on the demand for air travel or our operations from the outbreak of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension plan assets and the impact of future discount rate
changes on pension obligations; 17) our ability to borrow additional funds or refinance debt, including our ability to obtain the debt to finance the purchase price for our announced acquisition of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both
in the U.S. and abroad; 20) the effect of
changes in tax law, such as the effect of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and
changes to the interpretations of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect of such
changes; 21) any reduction
in our credit ratings; 22) our dependence on our suppliers, as well as the cost and availability of raw materials and purchased components; 23) our ability to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate for our additional capital needs or for payment of interest on, and principal of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness of any interest rate hedging programs; 28) the effectiveness of our internal control over
financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition of Asco
in a timely matter while avoiding any unexpected costs, charges, expenses, adverse
changes to business relationships and other business disruptions for ourselves and Asco as a result of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks of doing business internationally, including fluctuations
in foreign current exchange rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among other things.
A Snap employee told the Times that the company was looking at ways to educate employees on
financial management before the IPO, such as bringing
in professors from Stanford to talk about how employees» lives can
change after working for a company that goes public.
Balance sheet, income statement, cash flow statement, statement of
changes in shareholders» equity and information by business division included
in this press release are extracted from the condensed consolidated
financial statements at 31 March 2018 reviewed by the Board of Directors of Arkema SA on 2 May 2018.
The latest
change in tone may also reflect an additional concern - that low interest rates are fostering
financial instability by promoting bubbles
in asset prices and stimulating excessive credit creation.
Such statements are based on management's current views and assumptions that could ultimately prove inaccurate and are subject to risk factors such as (but not limited to)
changes in raw materials prices, currency fluctuations, the pace at which cost - reduction projects are implemented and
changes in general economic and
financial conditions.
The provision has been credited with the
financial boom
in college sports over the past three decades, and the rhetoric around the
change has been foreboding.
Actual operational and
financial results of SkyWest, SkyWest Airlines and ExpressJet will likely also vary, and may vary materially, from those anticipated, estimated, projected or expected for a number of other reasons, including,
in addition to those identified above: the challenges and costs of integrating operations and realizing anticipated synergies and other benefits from the acquisition of ExpressJet; the challenges of competing successfully
in a highly competitive and rapidly
changing industry; developments associated with fluctuations
in the economy and the demand for air travel; the
financial stability of SkyWest's major partners and any potential impact of their
financial condition on the operations of SkyWest, SkyWest Airlines, or ExpressJet; fluctuations
in flight schedules, which are determined by the major partners for whom SkyWest's operating airlines conduct flight operations; variations
in market and economic conditions; significant aircraft lease and debt commitments; residual aircraft values and related impairment charges; labor relations and costs; the impact of global instability; rapidly fluctuating fuel costs, and potential fuel shortages; the impact of weather - related or other natural disasters on air travel and airline costs; aircraft deliveries; the ability to attract and retain qualified pilots and other unanticipated factors.
MetLife cut Hele's total 2017 compensation by 6.4 percent, to $ 5.3 million from $ 5.7 million, a
change that reflected the insurer's «performance
in managing
financial matters, including material...
MetLife cut Hele's total 2017 compensation by 6.4 percent, to $ 5.3 million from $ 5.7 million, a
change that reflected the insurer's «performance
in managing
financial matters, including material weaknesses
in internal control over
financial reporting,» the company said
in an April 26 proxy statement..
There's a new form of crowdfunding being led by companies such as GrowthFountain that has been made possible by
changes in investment rules that the Securities and Exchange Commission (SEC) and the
Financial Industry Regulatory Authority (Finra) enacted
in May 2016.
In the opinion of the Company's management, a discussion of loss reserve development is meaningful to users of the financial statements as it allows them to assess the impact between prior and current year development on incurred claims and claim adjustment expenses, net and core income (loss), and changes in claims and claim adjustment expense reserve levels from period to perio
In the opinion of the Company's management, a discussion of loss reserve development is meaningful to users of the
financial statements as it allows them to assess the impact between prior and current year development on incurred claims and claim adjustment expenses, net and core income (loss), and
changes in claims and claim adjustment expense reserve levels from period to perio
in claims and claim adjustment expense reserve levels from period to period.
within the United States, the Company's businesses are heavily regulated by the states
in which it conducts business, including licensing, market conduct and
financial supervision, and
changes in regulation may reduce the Company's profitability and limit its growth;
Queen's was one of the last schools
in Canada without a major donor's name on its business department, but that
changed last year with a record - breaking $ 50 - million gift from Stephen J.R. Smith, founder of First National
Financial Corp. and a Queen's alumnus.
As far back as 2002, while vice minister, Kuroda used an opinion column
in the
Financial Times, co-written with his deputy at the finance ministry, to call for «aggressive monetary policy» from the central bank, including an inflation target, aimed at «drastically
changing price expectations.»
Other
changes in the corporate structure Thursday included Richard Dufresne assuming the role as chief
financial officer at Loblaw.
Desjardins Capital Markets analyst Maher Yaghi also noted the weakness
in media revenue, but added that the division's earnings were
in line with his estimates after adjusting for
changes in financial reporting.
«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.
The first step
in changing money habits is taking a cold hard look at your
financial input and output.
Changing the task to one that isn't
financial in the study let the researchers see if the snowball method is still motivating when it isn't tied to
financial advice.
The effects of this
change are applied retrospectively and are provided
in the Reconciliation of Non-GAAP
Financial Measures to GAAP
Financial Measures table.
«Under - emphasis of these (structural) policies relative to macroeconomic, trade and
financial stability policies is a key reason for many governments» failure
in recent decades to mobilize a more effective response to widening inequality and stagnating median income as technological
change and globalization have gathered force,» the report said.
It's quite a
change from the «
financial nuclear winter» Clio faced during its first round of fundraising
in 2009, recalls CEO Jack Newton.
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 lengthy and complex set
changes, known as the Markets
in Financial Instruments Directive II (MiFID II), will impact a broad swath of financial firms across the globe, but especially investment banks that do business i
Financial Instruments Directive II (MiFID II), will impact a broad swath of
financial firms across the globe, but especially investment banks that do business i
financial firms across the globe, but especially investment banks that do business
in Europe.
Bankers and those
in the expanding legal marijuana business want Congress to
change the law — to make it clear that it's not a crime to provide
financial services to the legal marijuana businesses.
Ant
Financial's Ant Forest app has lured 450 million users in China to do just that, in fulfillment of parent Alibaba Group's pledge to use financial technology to tackle climat
Financial's Ant Forest app has lured 450 million users
in China to do just that,
in fulfillment of parent Alibaba Group's pledge to use
financial technology to tackle climat
financial technology to tackle climate
change.
It's a fool's errand to guess where the
financial industry will be
in five, 10 or 20 years — whether we'll be banking on Facebook or with bitcoins — but we can expect rapid
change, and Equitable Bank hopes to be moving
in step.
While cryptocurrencies are currently too small an asset class to pose systemic risks to the
financial system, that may change as the space continues its rapid evolution, Mark Carney, chairman of the Financial Stability Board, said in a letter to G - 20 finance leaders publishe
financial system, that may
change as the space continues its rapid evolution, Mark Carney, chairman of the
Financial Stability Board, said in a letter to G - 20 finance leaders publishe
Financial Stability Board, said
in a letter to G - 20 finance leaders published Sunday.
As part of the 2013 Canadian Business Leadership Forum, CB staff writer Richard Warnica interviewed BMO
Financial Group Chief Technology & Operations Officer Jean - Michel Arés about the way that cloud services are
changing the nature of information technology
in the enterprise.
Indeed he is, as Flutterwave promises to
change the way
financial transactions take place
in Africa, by offering easy exchange of digital currency, that opens Africa up to the world.
CIBC is just the latest major
financial institution to see a
changing of the guard — the CEOs of Royal Bank of Canada (RBC), Toronto - Dominion Bank (TD) and the Bank of Nova Scotia (Scotiabank) have all revealed retirement plans
in the recent past.
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.
In her native Tunisia, where Yahyaoui helped promote political
change during the Arab Spring, the population has little to no access to a reliable
financial system, she said.
For baby boomers and Generation X, who tend to be more nervous
in fluctuating markets due to their closeness to retirement, it might be a good time to review your
financial plan and make
changes if necessary.
And with each
change made, calculate at least a rough return on investment (ROI) to determine if it was worth the effort — and whether similar
changes in future make
financial sense.
LONDON, May 2 - The dollar consolidated gains on Friday after hitting a 3 - 1 / 2 month high
in the previous session as investors waited for the outcome of a U.S. «Despite the moves we have seen
in the dollar
in recent days,
financial conditions haven't really tightened noticeably but that may
change if the rally continues,» said Manuel Oliveri, an FX strategist at Credit...
This was a notable
change from the panel's views
in 2006 — before the
financial crisis and recession — when more execs were
in favour of loosening restrictions
in the sector.
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 personnel.
«Despite the moves we have seen
in the dollar
in recent days,
financial conditions haven't really tightened noticeably but that may
change if the rally continues,» said Manuel Oliveri, an FX strategist at Credit Agricole
in London.
Businesses that have been
in operation for less than three years are the most likely to
change their
financial institution.
To avoid unexpected
changes in financial aid, look into tuition trends and find out whether your family's finances are expected to
change in the future.
Out of the
financial ashes, Theriault
changed course, building one of today's hottest real estate empires
in the country, Epic Real Estate.
And
in light of fintech recently
changing the
financial landscape so dramatically, we've added resources to focus on following the companies and trends at the forefront of the fintech revolution.
The social rights issue is a new turn for Jana, which is known for pushing companies it invests
in to make
financial changes.