Wrongful deaths also have
financial effects on the surviving family.
An unexpected illness or hospital stay can have devastating
financial effects on individuals and families.
Injuries don't have to have permanent
financial effects on your life.
Estimate of Financial Impact:
No financial effect on state or local government expenditures or revenue.
Some injuries may not have a direct
financial effect on your life.
• the financial repercussions or detrimental
financial effect on one or both spouses of caring for each other or for any children of the relationship; and
Not exact matches
Outsourcing's
effect on a company's
financial well - being is vital.
NOBODY can accurately predict the
effect on financial markets of the attacks
on the World Trade Centre.
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.
Investors with a fixed - income allocation in their portfolio should meet with their
financial professional to ensure they understand the
effect of rising interest rates
on their overall portfolio, she said.
«Current concerns in the
financial markets center around the absence of liquidity and the
effect it might have
on future market prices,» Janus» Bill Gross said in June.
While the net outcome of the investigation is likely to bring more transparency to a previously opaque pricing process, the ripple
effects on other startups could be profound — pushing down valuations and funding rounds universally,
financial experts say.
These risks and uncertainties include, among others: the unfavorable outcome of litigation, including so - called «Paragraph IV» litigation and other patent litigation, related to any of our products or products using our proprietary technologies, which may lead to competition from generic drug manufacturers; data from clinical trials may be interpreted by the FDA in different ways than we interpret it; the FDA may not agree with our regulatory approval strategies or components of our filings for our products, including our clinical trial designs, conduct and methodologies and, for ALKS 5461, evidence of efficacy and adequacy of bridging to buprenorphine; clinical development activities may not be completed
on time or at all; the results of our clinical development activities may not be positive, or predictive of real - world results or of results in subsequent clinical trials; regulatory submissions may not occur or be submitted in a timely manner; the company and its licensees may not be able to continue to successfully commercialize their products; there may be a reduction in payment rate or reimbursement for the company's products or an increase in the company's
financial obligations to governmental payers; the FDA or regulatory authorities outside the U.S. may make adverse decisions regarding the company's products; the company's products may prove difficult to manufacture, be precluded from commercialization by the proprietary rights of third parties, or have unintended side
effects, adverse reactions or incidents of misuse; and those risks and uncertainties described under the heading «Risk Factors» in the company's most recent Annual Report
on Form 10 - K and in subsequent filings made by the company with the U.S. Securities and Exchange Commission («SEC»), which are available
on the SEC's website at www.sec.gov.
Unless you work in
financial services overseas (or seriously need to get a life), you probably have not heard about the EU's so - called Solvency II directive, which will come into
effect on Jan. 1, 2013.
It's this last point that has the biggest
effect on private versus public company returns, says Tim McPeak, director of
financial institutions at Sageworks, a company that studies
financial information of privately held companies.
In an opinion piece in the
Financial Times in February, he dismissed a lot of the problems raised by foreign governments, arguing the
effects on debt markets would be minimal.
The deal has a clause that says Verizon can withdraw if a new event «reasonably can be expected to have a material adverse
effect on the business, assets, properties, results of operation or
financial condition of the business.»
Blockchain technology may have dramatic
effects on financial services, according to some industry experts.
While the article quotes a number of individuals — from a
financial analyst to a software engineer — who claim to have had success using nootropics, the scientific research
on its long - term
effects is still thin.
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.
The proposed delay should have a «calming»
effect on the marketplace, which had been «hanging in limbo» ahead of the April 10 effective date, said Denise Valentine, a senior analyst with Aite Group, which advises the
financial services industry
on regulatory issues.
With Becky Quick hosting, regular features include interviews with top
financial executives & policy makers, discussions of current business trends &
effects on consumers, stock picks, personal - finance suggestions and reviews of new products.
And because the TSX has come to be dominated by two sectors in particular —
financial services and resources account for close to 60 % of the index's $ 1.9 - trillion market capitalization — any strife facing companies in those sectors has an outsized
effect on overall returns.
The Healthcare Reform Law, including The Patient Protection and Affordable Care Act and The Healthcare and Education Reconciliation Act of 2010, could have a material adverse
effect on Humana's results of operations, including restricting revenue, enrollment and premium growth in certain products and market segments, restricting the company's ability to expand into new markets, increasing the company's medical and operating costs by, among other things, requiring a minimum benefit ratio
on insured products, lowering the company's Medicare payment rates and increasing the company's expenses associated with a non-deductible health insurance industry fee and other assessments; the company's
financial position, including the company's ability to maintain the value of its goodwill; and the company's cash flows.
To date,
financial advisors may not have fully grasped their clients» worries about inflation and its
effect on their retirement savings.
More than 60 % of the business leaders felt the weakening
financial situation down south would have a modest impact
on Canada, while 34 % said the
effect would be substantial.
Actual results may differ materially from those indicated by these forward - looking statements as a result of various important factors including, but not limited to, the
effects of any unexpected difficulty in closing our
financial books for the quarter and other factors that are discussed in the Company's Annual Report
on Form 10 - K, quarterly reports
on Form 10 - Q, and other documents periodically filed with the SEC.
The report's author, Professor Sir John Beddington, wrote that «commonly held negative perceptions surrounding HFT are not supported by the available evidence» but said that «policymakers are justified in being concerned about the possible
effects of HFT
on instability in
financial markets.»
«The cumulative
effect of interest rate hikes is going to begin mounting,» said Greg McBride, Bankrate.com's chief
financial analyst, particularly
on variable - rate loans such as credit cards, home equity lines of credit and adjustable - rate mortgages, which could rise within one to two statement cycles.
«Those costs may have a material adverse
effect on The Home Depot's
financial results in the fourth quarter of fiscal 2014 and / or future periods,» the company said.
«Our success is primarily dependent
on audience acceptance of our films, which is extremely difficult to predict and, therefore, inherently risky... Our business is currently substantially dependent upon the success of a limited number of film releases each year and the unexpected delay or commercial failure of any one of them could have a material adverse
effect on our
financial results and cash flows.»
That was followed by a
financial stress test for buyers, which officially came into effect on Jan. 1 for federally regulated lenders, following an October announcement by the Office of the Superintendent of Financial Inst
financial stress test for buyers, which officially came into
effect on Jan. 1 for federally regulated lenders, following an October announcement by the Office of the Superintendent of
Financial Inst
Financial Institutions.
Drew McReynolds of RBC Dominion Securities said that while Esso accounts for an undisclosed fraction of the 10 to 12 per cent gross billings from non-
financial and non-Air Canada partners, the minimal
financial impact doesn't convey the overall
effect on Aeroplan as it prepares for the departure of Air Canada.
Important factors that could cause our actual results and
financial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our ability to successfully and profitably market our products and services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on For
financial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our ability to successfully and profitably market our products and services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the
effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the
effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of
Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on For
Financial Condition and Results of Operations sections of our most recently filed Annual Report
on Form 10 - K and our subsequently filed Quarterly Reports
on Form 10 - Q.
I don't know about AOL's
financials, and I don't know if this reversal will have a negative
effect on its business, but it's done a number
on the company's public image.
Lobbying which might profit an individual corporation in the short term can hurt investor portfolios in the longer term — think of the
effect all that lobbying for
financial de-regulation in the United States ultimately had
on investor portfolios in 2008.
Today's
financial market volatility, combined with great political uncertainty both at home and abroad, will undoubtedly have an
effect on consumer confidence and perhaps even our customers» attitudes and behavior.
EY's report concludes this emphasis
on frugality is because Gen Z have matured in the aftermath of the
financial crisis and, having seen the recession's
effect on their families, are more careful with their money.
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).
Loss
on impairment of long - term investments - We exclude the
effect of any other - than - temporary impairment of a cost method investment in calculating our non-GAAP
financial measures.
Our non-GAAP
financial measures reflect adjustments based
on the following items, as well as the related income tax
effects:
However, we also need to envisage a case where the
effects of monetary policy
on financial stability are not limited to one sector, as in the case we just saw, but spread across many different parts of the
financial system.
Next year, new rules
on global
financial information exchanges among members of the Organization for Economic Cooperation and Development are set to go into
effect locally.
And because the TSX has come to be dominated by two sectors in particular —
financial services and resources account for close to 60 per cent of the index's $ 1.9 - trillion market capitalization — any strife facing companies in those sectors has an outsized
effect on overall returns.
an independent agency of the federal government, created in 1933, charged with preserving and promoting public confidence in the U.S.
financial system by insuring deposits in banks and thrift institutions up to applicable limits; by identifying, monitoring, and addressing risks to the deposit insurance funds; and by limiting the
effect on the economy and the
financial system when a bank or thrift institution fails; further information
on the FDIC and FDIC coverage may be found at fdic.gov
These include the potential adverse
effects on European economic activity,
on the perceived health of the global banking system, and
on broader
financial market conditions.
Here, I would like to focus
on one critical aspect of the discussion: that monetary policy can affect
financial stability only through its
effects on household debt, even though it affects a wide swath of the real economy.
This means that the framework shouldn't have lasting unintended
effects on how people invest their money or
on how
financial institutions interact with each other.
Under certain conditions, as long as monetary policy has a larger
effect on inflation than it does
on financial stability risk and macroprudential policy has a larger
effect on financial stability risk than it does
on inflation, there would be no need, in theory, for the agencies responsible to coordinate their actions explicitly.
The optimistic view is that over the next decade or two, Bitcoin will have the same kind of transformative
effect on the
financial system as the internet had in the telecommunications industry during the 1990s and 2000s.