Explain housing budgets and
financial expenses as they relate to the purchase of a new home and longer - term home ownership needs.
Whatever the size or nature of your business, if you are at risk for liability costs or excessive
financial expenses as a result of a disaster, you should invest in business insurance to protect your company.
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).
Get your
expenses down
as low
as possible, figure out your monthly burn, get a part - time job anywhere that helps alleviate the
financial pressures and start designing your new life.
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 period.
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.
Though I was granted limited duration alimony and child support
as part of my divorce agreement, I needed another source of income to meet my monthly
expenses as well
as secure my
financial future.
Solving the issue of trust comes at the
expense of convenience and scalability,
as the process of picking random validators so that the network can verify transactions instead of
financial institutions, «takes time, is expensive, and consumes tremendous amounts of energy,» Martin said.
The bill's tax cuts,
as well
as new or larger deductions for start - up
expenses, cell phones and health insurances premiums, can give some
financial help to most small business owners.
Sales dollars are used to pay for
expenses, so there is a clear
financial impact of not having
as much sales money available to pay for
expenses; however, the very dangerous part of sales stagnation or decline is that it usually indicates a lack of customer acceptance, which is key to any business.
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.
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.
After you have collated your
financial statements, sort and categorize each business
expense into different buckets, such
as auto
expenses, home - office
expenses, utilities, medical
expenses, office supplies and charitable contributions.
The website provides information such
as financial performance, accountability, revenue,
expenses and leadership compensation.
Another quarter of those surveyed said that they're putting extra cash toward other
financial obligations, such
as paying down debt, taking care of aging parents and paying for their kids»
expenses.
«The type of hidden fees annuity investors should pay attention to are separate account [investment funds]
expense ratios; back - end sales charges; annual administration fees; mortality and
expense costs; any rider fees, such
as guaranteed income rider, death benefit riders [and] principal protection riders, to name a few,» says
financial planner Joseph Carbone of Focus Planning Group.
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.
The President directed that if the Department makes an affirmative determination
as to any of the above three considerations, or the Department concludes for any other reason, after appropriate review, that the Fiduciary Rule, PTEs, or both are inconsistent with the priority of the Administration «to empower Americans to make their own
financial decisions, to facilitate their ability to save for retirement and build the individual wealth necessary to afford typical lifetime
expenses, such
as buying a home and paying for college, and to withstand unexpected
financial emergencies,» then the Department shall publish for notice and comment a proposed rule rescinding or revising the Fiduciary Rule,
as appropriate and
as consistent with law.
Insurance and
financial companies are permitted to treat the buildup of liquid reserves
as an «
expense» against hypothetical losses.
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.
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.
The couple budgeted loan payments into their regular monthly
expenses, making a payoff plan together and discussing their loans
as part of their bigger
financial goals and dreams.
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.
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 independenc
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 independenc
as open
as I can about my finances here to chronicle my journey to financial independenc
as I can about my finances here to chronicle my journey to
financial independence.
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.
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.
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.
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.»
on a pro forma basis, giving effect to (i) the automatic conversion of all of our outstanding shares of convertible preferred stock other than Series FP preferred stock into shares of Class B common stock and the conversion of Series FP preferred stock into shares of Class C common stock in connection with our initial public offering, (ii) stock - based compensation
expense of approximately $ 1.1 billion associated with outstanding RSUs subject to a performance condition for which the service - based vesting condition was satisfied
as of December 31, 2016 and which we will recognize on the effectiveness of our registration statement in connection with a qualifying initial public offering,
as further described in Note 1 to our consolidated
financial statements included elsewhere in this prospectus, (iii) the increase in accrued
expenses and other current liabilities and an equivalent decrease in additional paid - in capital of $ 187.2 million in connection with the withholding tax obligations, based on $ 16.33 per share, which is the fair value of our common stock
as of December 31, 2016,
as we intend to issue shares of Class A common stock and Class B common stock on a net basis to satisfy the associated withholding tax obligations, (iv) the net issuance of 7.6 million shares of Class A common stock and 5.5 million shares of Class B common stock that will vest and be issued from the settlement of such RSUs, (v) the issuance of the CEO award,
as described below, and (vi) the filing and effectiveness of our amended and restated certificate of incorporation which will be in effect on the completion of this offering.
The pro forma consolidated balance sheet data gives effect to (i) the automatic conversion of all of our outstanding shares of convertible preferred stock other than Series FP preferred stock into shares of Class B common stock and the conversion of Series FP preferred stock into shares of Class C common stock in connection with our initial public offering, (ii) stock - based compensation
expense of approximately $ 1.1 billion associated with outstanding RSUs subject to a performance condition for which the service - based vesting condition was satisfied
as of December 31, 2016 and which we will recognize on the effectiveness of our registration statement in connection with this offering,
as further described in Note 1 to our consolidated
financial statements included elsewhere in this prospectus, (iii) the increase in accrued
expenses and other current liabilities and an equivalent decrease in additional paid - in capital of $ 187.2 million in connection with the withholding tax obligations, based on $ 16.33 per share, which is the fair value of our common stock
as of December 31, 2016,
as we intend to issue shares of Class A common stock and Class B common stock on a net basis to satisfy the associated withholding tax obligations, (iv) the net issuance of 7.6 million shares of Class A common stock and 5.5 million shares of Class B common stock that will vest and be issued from the settlement of such RSUs, (v) the issuance of the CEO award,
as described below, and (vi) the filing and effectiveness of our amended and restated certificate of incorporation which will be in effect on the completion of this offering.
Based on the
financial results for the first seven months of 2016 - 17, public debt charges could be
as much
as $ 1 billion lower than forecast in the Update, while direct program
expenses could be at least $ 2 billion lower.
Based on the
financial results for the first nine months of 2016 - 17, public debt charges could be
as much
as $ 1 billion lower than forecast in the Update, while direct program
expenses could be at least $ 2 billion lower.
As former employees at some of the world's largest
financial institutions, the team at Propel has extensive experience managing
expenses and booking travel through Concur.
In addition, strength in the U.S. dollar put significant pressure on the company's
financial results
as they generate over half of their revenue from outside the United States while their
expenses are primarily denominated in dollars.
The classification of
expenses in budget documents is not the same
as that used in Annual
Financial Report, the Public Accounts or the Fiscal Monitor.
Wall Street's migration began after the last
financial crisis
as banks and money managers looked to trim
expenses or take advantage of lower tax rates.
For the most basic categories (food, housing, transportation, healthcare, insurance and personal care) identify the minimum annual amounts to maintain your required level of
financial security
as essential - level
expenses.
To avoid this Western fiscal /
financial problem, China should avoid treating interest
as a tax deductible
expense in calculating the land's taxable yield (or that of industry, for that matter).
Beyond the need to track your income and
expenses, there is minimal
financial administrative work involved to structure
as a sole proprietorship.
«Unfortunately, a few bad actors are taking advantage of the [VA home loan] program
as home lenders have begun targeting veterans and servicemembers to generate profit and fees at their
expense, often leading to higher loan amounts and putting families in a worse
financial position than they started off,» observed Senator Tillis.
Lenders want to ensure that you have the
financial means to pay off your new mortgage,
as well
as any other long - term debts (such
as car loans) or other living
expenses.
Non-GAAP
financial measures, such
as Adjusted EBITDA (earnings before interest
expense, taxes, depreciation and amortization)
as adjusted, Adjusted EBITDA on an adjusted pro forma basis, adjusted net income, adjusted net income on a pro forma basis, and adjusted development margin are reconciled in the Press Release Schedules that follow.
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).
This is because, for example, if you lost a leg and were unable to work for several months, but accumulated hefty hospital costs in addition to your normal living
expenses, your outstanding
financial obligations (such
as a mortgage) would still be there.
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).
Your budget can be
as simple
as dividing up your
expenses into three categories using the 50/30/20 rule: needs, wants, and
financial obligations (e.g. savings and debt payoff).
One of the perks about being CEO of a publicly traded company of the 1990's was that you could pay yourself with huge amounts of stock options, but yet not count those stock options
as an
expense on your company's
financial statements.