So, simple overgrown nails can be the root of not only much discomfort, but much
financial expense in the long run... We as people can address to our own needs and vocalize when we have pain to someone who can help.
Critical Illness Rider: A critical illness rider allows the policyholder to be covered for
the financial expenses in the case he contracts any critical illness.
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.
In fact, 41 percent of the on - demand workers we surveyed had faced a personal financial hardship in the past year (such as a job loss, health emergency or unexpected major expense
In fact, 41 percent of the on - demand workers we surveyed had faced a personal
financial hardship
in the past year (such as a job loss, health emergency or unexpected major expense
in the past year (such as a job loss, health emergency or unexpected major
expense).
Despite the boom
in financial technology, most tenants still pay their biggest monthly
expense in cash
Parents can get into a pattern of paying for their children's
expenses without ever having a conversation about it, according to Aaron Thompson, a
financial advisor at AGT Wealth Management
in Annapolis, Maryland.
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.
While analyzing said data is proving to still be challenging, enterprise chatbots are able to provide
financial departments with algorithms that offer deeper insight into how the company is performing, from sales to
expenses, and virtually everything
in between.
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.
Even if your
financial situation is solid, you can worry about large, sudden
expenses, or about the impact of rising costs
in the future.
For the employees, we have a
financial advisor come
in and break out one - on - one session, and they go over our employees» income,
expenses, aligning their
financial goals and breaking down the plan
in a practical, easy - to - follow format.
Stock - based compensation includes payroll tax impacts and may not agree to stock - based compensation
expense in the condensed consolidated
financial statements.
It issued a total of 1.5 billion shares to buy Countrywide
Financial (a disaster) and Merrill Lynch (
in retrospect, a good buy), then from 2008 to 2013 issued an astonishing 4.5 billion extra shares to bolster its capital and skirt bankruptcy, at the
expense of existing owners.
They only compute
in the context of supplying the U.S., still the world's largest oil market, where they are competing with crude that has to be shipped at considerable
financial and atmospheric
expense from distant sources like Nigeria and the Persian Gulf.
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.
In appropriate cases, small business owners who have been victims of crime can use the power of the criminal judicial system to recover
financial losses at little or no additional
expense.
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.
It draws information from the various
financial models developed earlier such as revenue,
expenses, capital (
in the form of depreciation), and cost of goods.
Bottom line: My recommendation for Canadian issues is to concentrate
in the banks and other
financials, utilities and telecoms at the
expense of other sectors such as consumer staples and consumer discretionary stocks.
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.
Have a look at the infographic from Concur to see what your fellow business owners are spending on
in 2014, and how best to keep your own
expenses on track if you intend to make
financial outlays this year.
Genworth
Financial (GNW), which provides life and long - term care insurance, screwed up a while back when it began selling policies to cover medical
expenses in old age: It did not charge nearly enough for them.
In the past, he's criticized Zynga's model of game development, and argued that the company has grown too quickly at the
expense of its
financial well - being.
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.
In many parts of the country, contractors have to contend with seasonal fluctuations of income and
expenses, which makes long - range
financial planning essential for success.
Most
financial advisors recommend you keep three to six months of
expenses in an emergency fund.
It might seem counter-intuitive to focus on saving money instead of paying off debt, but having a $ 1,000 emergency fund
in place first provides a
financial cushion so that unplanned
expenses, such as medical bills and home repairs, don't completely derail your debt - repayment plan.
Certain of the underwriters and their respective affiliates have performed, and may
in the future perform, various investment banking,
financial advisory and other services for us, our affiliates and our officers
in the ordinary course of business, for which they received and may receive customary fees and reimbursement of
expenses.
We use mint solely to monitor our
expenses vs our budget (which when married is a huge factor
in maintaining
financial order).
The fact that program
expenses, and
in particular direct program
expenses, were lower than expected should not have come as a surprise to anyone who follows federal
financial affairs.
The increase
in program
expenses was primarily the result of the inclusion
in the August 2012
financial results of «an updated accrual estimate for employee and veterans» future employee benefits based on accrual valuations prepared for the Government's 2011 - 12
financial statements».
Other Facebook
financial results include $ 2.72 billion
in GAAP costs and
expenses, $ 1.13 billion
in GAAP income, a 29 % GAAP operating margin, and $ 517 million
in capital expenditures.
Separately, state prosecutors
in New York and Massachusetts are investigating Valeant over its drug pricing and programs that provide
financial assistance to help patients cover out - of - pocket
expenses for their medications.
Forward - looking statements may include, among others, statements concerning our projected adjusted income (loss) from operations outlook for 2018, on both a consolidated and segment basis; projected total revenue growth and global medical customer growth, each over year end 2017; projected growth beyond 2018; projected medical care and operating
expense ratios and medical cost trends; our projected consolidated adjusted tax rate; future
financial or operating performance, including our ability to deliver personalized and innovative solutions for our customers and clients; future growth, business strategy, strategic or operational initiatives; economic, regulatory or competitive environments, particularly with respect to the pace and extent of change
in these areas; financing or capital deployment plans and amounts available for future deployment; our prospects for growth
in the coming years; the proposed merger (the «Merger») with Express Scripts Holding Company («Express Scripts») and other statements regarding Cigna's future beliefs, expectations, plans, intentions,
financial condition or performance.
However, following this offering, the salary and bonus payments to our senior Carlyle professionals, including our named executive officers, will be reflected as compensation
expense in our
financial statements and we have reflected these amounts
in the applicable columns of the Summary Compensation Table below even though they are not recorded as compensation
expense in our historical
financial statements.
``... at a time when nest eggs are shrinking and Social Security looks less likely to cover basic
expenses, living for less
in a foreign locale can make good
financial sense.
Currently, 3 ETFs track the S&P
Financial Select Sector Index with more than $ 32.1 B
in ETP assets with an average
expense ratio of 0.68 %.
Pursuant to applicable accounting principles, for
financial statement reporting purposes we have historically recorded salary and bonus payments to our senior Carlyle professionals, including our named executive officers, as distributions
in respect of their equity ownership interests and not as compensation
expense.
Big broker - dealers will seek to serve small balances
in individual retirement accounts on a flat - fee and fiduciary basis using developing technology, the report predicts, while insurance companies will have to lower variable annuity
expenses and commissions to be
in line with other
financial products.
As I do every month, I'm sharing all of my income and
expenses this month
in hopes of being as open as I can about my finances here to chronicle my journey to
financial independence.
They conferred substantial
financial benefits on Retrophin's already highly - compensated founder at Retrophin's
expense and provided no benefit to Retrophin other than a release of claims relating to actions that Shkreli undertook
in his capacity as the manager of the MSMB Funds.
This is what I wrote about
in the
Financial Times yesterday: the U.S. refusal to cooperate with other countries, above all its double standard insisting that other countries must turn their foreign - exchange surpluses over to the U.S. Treasury to promote U.S. financial markets at their expense — and the demand that any country running a trade surplus with America spend the money on U.S. arms — is so abhorrent that other countries are proceeding to create an alternative global financial system of settling trade and balance - of - payments transactions without the Unite
Financial Times yesterday: the U.S. refusal to cooperate with other countries, above all its double standard insisting that other countries must turn their foreign - exchange surpluses over to the U.S. Treasury to promote U.S.
financial markets at their expense — and the demand that any country running a trade surplus with America spend the money on U.S. arms — is so abhorrent that other countries are proceeding to create an alternative global financial system of settling trade and balance - of - payments transactions without the Unite
financial markets at their
expense — and the demand that any country running a trade surplus with America spend the money on U.S. arms — is so abhorrent that other countries are proceeding to create an alternative global
financial system of settling trade and balance - of - payments transactions without the Unite
financial system of settling trade and balance - of - payments transactions without the United States.
Keeping my
expenses low each month will allow me to have more money to set aside and invest
in high quality, dividend growth stocks that I will use to reach
financial independence.
The HRC has intentionally limited perquisites to executive officers and
in 2010 reduced or eliminated almost all executive perquisite programs, including those providing for relocation - related home purchase
expenses and reimbursements for
financial planning services, automobile allowance, club dues, parking, and home security systems.
The Department of Finance,
in the Annual
Financial Report, also reported that the annual lapse
in direct program
expenses was again higher than forecast
in the April Budget for 2014 - 15.
Grant Maheu (captain), Daniel Johansson and Matthew Nakaska won an all -
expenses paid trip to Boston as a result of winning the regional competition for the Chartered
Financial Analyst (CFA) Institute Research Challenge
in February 2018.
Their Retirement Planner is also the best i've seen given it uses your real
expenses and income you've linked up to calculate how your
financial life will be
in the future.
In November 2015, the company said it would restate its
financial statements over how the New York - based company classified some
expenses and how it recognized revenue related to licensing agreements.
While most folks who read this blog are likely pursuing
financial independence through the creation of passive income
in excess of their
expenses, this isn't the case for everyone.