Not exact matches
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.
For SAP, the loss and LAE ratio is the ratio of incurred losses and loss adjustment
expenses less certain administrative services fee income to net earned premiums as defined in the statutory
financial statements required
by insurance regulators.
The two most common
financial oversights entrepreneurs make are underestimating how many of their everyday
expenses are being subsidized
by their business — medical and life insurance premiums, club memberships, vehicles, travel and entertainment costs, etc. — and overestimating the amount of after - tax investment income that can be generated from the proceeds of the sale.
By then, the malware would have spread among the provider's customers, from
financial services companies to hotels, causing all to lose income and incur other
expenses.
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 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.
Costs are both
financial, including listing fees and the
expenses associated with mandatory disclosures and other regulatory requirements, and less tangible, such as the perceived burden of quarterly earnings releases, the risk of being targeted
by activist investors, and higher visibility that can result in political or competitive pressure.
By the time you've reached your 30s, you've probably heard dozens of
financial acronyms and terms thrown around — from APRs to IRAs,
expense ratios to exchange - traded funds.
But if working longer is out of the question, you can ease your transition
by building at least a year's worth of living
expenses in an emergency retirement savings fund, ideally in cash, says Celandra Deane - Bess, a wealth strategy director for PNC
Financial Services Group.
In an era of low interest rates, yield traps play into the hands of
financial cheats who can cook the books
by inventing revenue, altering
expenses and creating assets.
The most directly comparable GAAP
financial measure is the combined ratio, which is computed
by adding total incurred losses and LAE, including the impact of catastrophe losses and loss and LAE reserve development from prior years, with the insurance
expense ratio.
Underlying Combined Ratio is a non-GAAP
financial measure that is computed
by adding the current year non-catastrophe losses and LAE ratio with the insurance
expense ratio.
They do this first
by depicting finance and rent - seeking privilege as part of the economy's real wealth - creating process rather than as an extractive sector, and second,
by, pretending that the
financial problem is only a temporary liquidity problem, not a structural problem debt of debts that can't be paid — unless the government makes up the gap at the non-
financial sector's
expense.
You can take action
by signing up for Personal Capital, the # 1 free
financial tool to help you track your net worth, manage your
expenses, analyze your investments for excessive fees, and plan for your retirement.
They urge economies to submit to
financial austerity
by sanctifying debts rather than saving themselves and their labor force at the
expense of debt and savings trends.
An earlier filing might have been a telltale sign about the
financial problems to come: Tesla disclosed that it had begun reimbursing Mr. Musk for his use of his private plane, justifying the cost
by saying, «By paying only the variable expenses of Mr. Musk's private airplane, consistent with the reimbursement policy in place, we will recognize a cost saving as compared to the customary practice for an initial public offering road show.&raqu
by saying, «
By paying only the variable expenses of Mr. Musk's private airplane, consistent with the reimbursement policy in place, we will recognize a cost saving as compared to the customary practice for an initial public offering road show.&raqu
By paying only the variable
expenses of Mr. Musk's private airplane, consistent with the reimbursement policy in place, we will recognize a cost saving as compared to the customary practice for an initial public offering road show.»
Additionally, employees of Bass Pro Shops impacted
by hurricane Harvey are eligible for assistance through the Bass Pro Cares Fund, which furnishes
financial support for essential living
expenses «in times of devastating need.»
The total
financial hit to shareholders announced
by Apple — some $ 84 million in noncash
expenses — is negligible given Apple's size.
The net negative fluctuation in
financial income and
expenses was primarily due to lower income related to gains from venture fund investments, which positively affected the third quarter 2017 and foreign exchange fluctuations, partially offset
by the absence of an impairment charge related to the performance of certain private funds investing in IPR, which negatively affected the third quarter 2017.
We have agreed with the underwriters to pay all fees and
expenses related to the review and qualification of this offering
by the
Financial Industry Regulatory Authority, Inc. and Blue Sky
expenses.
These positive earnings drivers were more than offset
by the combined impact of several factors, including increased energy - related provisions for credit losses, a 17 basis point decline in net interest margin, moderate growth of non-interest
expenses, the addition of acquisition - related contingent consideration fair value changes reflecting performance within CWB Maxium
Financial (CWB Maxium), higher preferred share dividends, and the 20 % increase to CWB's income tax rate in Alberta.
Among those who plan to work in retirement out of
financial necessity, a survey
by the Transamerica Center for Retirement Studies found 43 % expected to use the money to cover essential
expenses, 37 % to pay for health care, and 20 % to save more for retirement.2
I'd argue that when assessing
financial independence, the percentage of an individual's regular yearly
expenses that are covered
by their yearly passive income stream is a much better indicator of progress.
By establishing a trusted ledger, participants in the
financial supply chain can theoretically reduce the time and
expense required to manage payments and shipments.
Lululemon increased selling, general and administrative
expenses by $ 42.2 million last year, primarily driven
by the digital marketing push, according to
financial documents, and debuted its first global campaign in 2017 with «This is Yoga.»
If you don't have plans to save for final
expenses in advance, and the
financial burden caused
by your death would hurt your family, a permanent life insurance policy might help you deal with those
financial pressures to make sure that your passing isn't worse than it needs to be.
The
financial website surveyed 1,000 Americans
by phone and found that four in 10 do not have the cash on hand to manage an unexpected
expense of $ 1,000.
Like most retailers impacted
by these storms, we are still assessing the impact they will have on our business and operations, but we do expect the store closures, dislocations and extraordinary hurricane - related
expenses to have some impact on our current quarter
financial results.
A mortgage impound account — also known as an escrow impound account — is a
financial account set up
by a lender or loan servicer to collect the
expenses of property taxes, homeowner's insurance and mortgage insurance (if applicable).
In order to reach
financial freedom you can choose to live below your means
by cutting
expenses to the bone and living in a state of scarcity or you can expand your means and live in a state of abundance
by increasing your income and enjoying the $ 5 latte or any other indulgence of your choice.
Financial independence for me means that I am not depending on a monthly paycheck and that my monthly
expenses are covered
by passive income (in my case dividend income as I have not found any other investment possibilities so far).
From 1990 to 2005, he was Director Fiscal Policy Division Department of Finance, responsible for overall preparation of the federal budget; preparation and assessment of medium - and long - term projections of federal revenues and
expenses and implications for fiscal policy; analysis of fiscal conditions at both the federal and provincial levels; evaluation of various budget proposals; preparation of monthly Fiscal Monitor; with the Office of the Comptroller General (OCG), assessing and evaluating accounting standards proposed
by the Public Sector Accounting Board (PSAB) of the CICA and recommending changes in government accounting policies; with the OCG, responsible for implementation of accrual accounting for the federal budget and the government's
financial statements.
The different governments lead
by Mrs. Thatcher restrain the emission of the monetary mass, raise the rate of interest, reduce in a drastic way the taxes on the highest incomes, abolish the control of the
financial flows, strongly raise the rate of unemployment, provoke strikes, put in place an anti-unions legislation and cut the social
expenses.
«The conference organising committee has decided that attendance will not be granted to any «people who are employed
by energy drinks manufacturers, or have received research grants, travel
expenses or other
financial awards».
An employer that employs less than 50 employees shall not be subject to the requirements of this subsection, if such requirements would impose an undue hardship
by causing the employer significant difficulty or
expense when considered in relation to the size,
financial resources, nature, or structure of the employer's business.
Craig Talsma, Park District
financial director, calculated that with an average monthly membership fee of $ 50, the center would start earning an annual profit of $ 235,000
by 2005 after all
expenses and loan payments are made.
First there are three critical problems with the structure of our economy - the dominance of government spending on recurrent
expenses of a public service which employs only a small percentage of Nigerians; the dominance of our oil and gas sector (and until recently power)
by an inefficient and corrupt public sector; and the structure of our
financial sector which excludes Small, Medium and Micro Enterprises from financing and has been unable to provide mortgages and housing for the middle class.
Others were unaware that Erie County also supports local school districts
by making them whole for unpaid property taxes at county
expense, another
financial support that will continue.
The mid year
financial report released
by Cuomo's budget office says options to close the gap include more cuts to state agencies, delaying payments to local governments and schools, suspension of some construction projects, and even borrowing money short term to pay for operating
expenses.
The political crisis created
by the MPs»
expenses scandal, the shock of the
financial and economic crisis and the erosion of trust in big government has created the conditions for an unexpected revolution.
The recommendations
by the Department of
Financial Services specifically benefit smaller municipal governments that could struggle with health - care
expenses.
But Curran said that since taking office Jan. 1, she's had to focus urgently on averting a
financial storm driven
by ballooning operating
expenses and persistent budget deficits.
The upgrade report from Moody's gave Rockland a stable
financial outlook and noted that, «the stable outlook reflects our expectation that reserves and liquidity will continue to improve in the near - term driven
by strong budgeting [and] careful
expense management.»
The boom is attributed in part to cost - cutting
by financial firms and lower non-compensation
expenses, including legal settlements.
Since 2001, they have also been joined
by a
financial crisis, parliamentary
expenses scandal and, more recently, seemingly «new» issues such as «Muslim sex gangs».
Banire had about three weeks ago written to step down as the party's National Legal Adviser following an investigation launched
by the Economic and
Financial Crimes Commission (EFCC), into a gift of N500, 000 given to an old friend, who sought his financial assistance to defray part of the burial expenses of his late mother about three y
Financial Crimes Commission (EFCC), into a gift of N500, 000 given to an old friend, who sought his
financial assistance to defray part of the burial expenses of his late mother about three y
financial assistance to defray part of the burial
expenses of his late mother about three years ago.
A quarterly report
by County Comptroller Elliott Auerbach released a week before last year's election warned that continued use of fund balances for recurring
expenses without an increase in property taxes could place the county in serious
financial stress.
He said the surplus results from cost - cutting,
expense deferrals, one - shot revenue, a recovering economy and a continuing wage freeze imposed
by the county's
financial control board, the Nassau Interim Finance Authority.
Or maybe I'll havr kids
by then and will have to wait till daycare
expenses are no longer a
financial proority.
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