By aligning our integrated services with our clients» unique objectives, we better understand
the financial impact as well as the repercussions of every option and decision on each component of our clients» portfolios.
The pain and suffering attendant to such an injury can be great, and there can be a tremendous
financial impact as well.
Not only can the death of a loved one have a profound emotional impact, but
a financial impact as well.
There is typically a grave
financial impact as well.
Any change to their support for this dirty and deadly industry will have real
financial impact as well as strike a symbolic blow to the industry.
Not exact matches
This is now being borne out
as we see the full
financial impact of the attacks.
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.
We make the most of available government programs and incentives to create affordable units, even
as we provide a return to our social
impact financial partners.
Do this in all aspects of your life, not just in business —
as a business owner, your outside
financial decisions still
impact your overall success.
In addition to the
financial terms of the deal and the
impact it is likely to have on Business Insider
as a company, I was interested in co-founder Henry Blodget's thoughts about the sale — why he decided to sell, what it says about the editorial model that the site was built on, etc..
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.
As London's
financial district prepares for a post-Brexit world, CNBC takes a closer look at the
impact on the job market.
Impact investors invest in things such
as the redevelopment of distressed land and
financial services for the unbanked — which have the potential to generate value.
In this episode, Adil Al Zarooni, CEO of Al Zarooni Emirates Investments discusses his drive to excel
as an entrepreneur, wherein he explains that he's motivated not just by
financial objectives, but by social objectives that will see him and his business leave an
impact in the UAE,
as well
as the wider MENA region.
(Undoubtedly, the recent stock market rally certainly has some Americans feeling a lot richer
as well, but since average U.S. families tend to have most of its wealth tied up in real estate rather than the
financial market, the
impact of housing is probably the more relevant one.)
With their 30 - year history, CDFIs are the original
impact investors, serving
as lenders,
financial intermediaries and technical advisors in «risky» areas to prepare the ground for mainstream capital.
The banks» mortgage portfolios this quarter saw little
impact from the federal
financial regulator's new underwriting rules for uninsured mortgages,
as of Jan. 1.
When presenting a
financial forecast, you should be very clear
as to when new products will be introduced and what their perceived
impact will be on sales and profits.
Please note that when you borrow money from a life insurance policy, it doesn't show up
as income and has no
impact on
financial aid or the tax rate on Social Security benefits.
His motivation reportedly stems from a perception of the valley's intolerance for right - leaning politics
as well
as concerns around the
financial impacts of regulatory scrutiny on the tech industry.
The lengthy and complex set changes, known
as the Markets in
Financial Instruments Directive II (MiFID II), will impact a broad swath of financial firms across the globe, but especially investment banks that do business i
Financial Instruments Directive II (MiFID II), will
impact a broad swath of
financial firms across the globe, but especially investment banks that do business i
financial firms across the globe, but especially investment banks that do business in Europe.
I want to be known
as a disruptor who is affecting and
impacting thousands of people by giving them water, food,
financial services and health care to empower them to empower others.
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.
But AMRO said its outlook is not without risks
as it warned of the potential
impact of faster - than - expected monetary policy tightening on global
financial conditions, and escalation of global trade tensions, on capital flows and borrowing costs.
As Tiger Woods returns to the famous greens of Augusta, the four - time Masters champion is not only bringing a fresh round of excitement to golf but a significant
financial impact on nearly every aspect of the game.
Her TriLinc Global
Impact Fund, with individual investments
as low
as $ 2,000, is among only a handful of
financial vehicles available to «retail» investors, the approximately 50 million U.S. households who don't qualify
as high net - worth, or «accredited,» investors.
Purchases, we all know, can sometimes make us very happy, the choices afforded by
financial security (or lack thereof) have a huge
impact on quality of life, and trying to keep up with the Joneses is generally regarded
as a recipe for misery.
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.
As marijuana legalization spreads across the country, the
financial impact has extended throughout some areas of the economy.
«This could have a significant
financial impact to RIM,
as all BlackBerry devices support WLAN,» IDC analyst Francisco Jeronimo said.
While new technologies, such
as Motif, are helping extend the reach of
impact investing to a broader universe of investors, a
financial advisor's role in taking a holistic approach to investing is still undeniable.
As it is a non-cash charge, however, and highly dependent on our share price at the time of equity award grants, we believe that it is useful for investors and analysts to see certain
financial measures excluding the
impact of these charges in order to obtain a clearer picture of our operating performance.
«If Dodd - Frank was written exactly
as it's written except there was no Consumer
Financial Protection Bureau, no Title X of the law, community banks really wouldn't feel much of the
impact from Dodd - Frank — it would be marginal at the most,» said Camden Fine, president and chief executive of the Independent Community Bankers of America.
Moreover, CBO's latest baseline assumptions predict earnings to grow faster for high - income earners than for others in the next decade, [32] suggesting that the Great Recession and
financial crisis may have had only a temporary
impact on the rising trend of income gains at the top, much
as the
impact of the dot - com collapse in the early 2000s was only temporary.
The President, by Memorandum to the Secretary of Labor dated February 3, 2017, directed the Department of Labor to examine whether the Fiduciary Rule may adversely affect the ability of Americans to gain access to retirement information and
financial advice, and to prepare an updated economic and legal analysis concerning the likely
impact of the Fiduciary Rule
as part of that examination.
For the purposes of this proposal, «sustainability» is defined
as how environmental and social considerations, and related
financial impacts, are integrated into long - term corporate strategy, and «diversity» refers to gender, racial, and ethnic diversity.
As argued in an earlier piece (Deficit Outcome for 2010 - 11 will be $ 7 billion lower than forecast in October 2010 Update — December 2010: www.3dpolicy.ca), we expect that the deficit in 2010 - 11 will be at least $ 7 billion lower than forecast in the October 2010 Update, based on the
financial results to the end of October 2010 and an analysis of the
impact of one - time accrual liabilities which inflated the 2009 - 10 deficit outcome.
PARIS — Standard & Poor's downgraded the credit ratings of France, Italy and seven other European countries on Friday, a move that may have more symbolic than fundamental
financial impact but served
as a reminder that Europe's economic woes were far from over.
As a result, we believe it is useful to exclude Starbucks activity to clearly show the
impact Starbucks has had on our
financial results historically, to provide insight into the
impact of the expected termination of the Starbucks agreement on our revenues in the future, to facilitate period - to - period comparisons of our business, and to facilitate comparisons of our performance to that of other payment processors.
As you can see, the 2007 - 2008 global financial crisis had much less of an impact on state unemployment rates compared to other major countries and regions such as Canada, Australia, the European Union and United State
As you can see, the 2007 - 2008 global
financial crisis had much less of an
impact on state unemployment rates compared to other major countries and regions such
as Canada, Australia, the European Union and United State
as Canada, Australia, the European Union and United States.
Achievement of these goals was considered by the HRC
as very challenging, even aggressive, given the expected modest economic growth for 2007 for the
financial services industry, the
impact and duration of the on - going flat / inverted yield curve (meaning short - term interest rates that are virtually equal to or exceed long - term interest rates, thus lowering profit margins for
financial services companies that borrow cash at short - term rates and lend at long - term rates), potentially higher credit losses, fewer available high - quality, high - yielding loans and investment opportunities, and a consumer shift from non-interest to interest - bearing deposits.
Our style of investment is referred to
as impact investing, which J.P. Morgan Global Research and Rockefeller Foundation in a 2010 report called «an emerging alternative asset class» and defined
as investing with the intent to create positive
impact beyond
financial return.
The RSUs and Shares at Risk provide for forfeiture or recapture if the NEO engaged during 2010 in improper risk analysis or failed to raise concerns sufficiently about risk which resulted in, or reasonably could be expected to result in, among other things, a material adverse
impact on our firm or the broader
financial system
as a whole.
The company was named Best Emerging Consumer Lending Platform by LendIt, which recognizes Flexiti
Financial's platform
as having the greatest potential to
impact the future of consumer lending.
That is exactly what happened, the lenders exhausted the pool of borrowers, the reflexive
impact of rising demand pushing prices higher began to wane, and the virtuous cycle turned dramatically (
as they always do eventually) into a vicious cycle that triggered the Global
Financial Crisis and those same banks that made all the ill - advised loans were crushed by massive losses Then, yet again, what were the «Masses» doing at the peak?
So
as human beings continually act on their misconceptions, Reflexivity says that those actions then begin to distort the
financial markets themselves, which actually
impact the actual fundamentals of the markets themselves.
Such risks and uncertainties include, but are not limited to: our ability to achieve our
financial, strategic and operational plans or initiatives; our ability to predict and manage medical costs and price effectively and develop and maintain good relationships with physicians, hospitals and other health care providers; the
impact of modifications to our operations and processes; our ability to identify potential strategic acquisitions or transactions and realize the expected benefits of such transactions, including with respect to the Merger; the substantial level of government regulation over our business and the potential effects of new laws or regulations or changes in existing laws or regulations; the outcome of litigation, regulatory audits, investigations, actions and / or guaranty fund assessments; uncertainties surrounding participation in government - sponsored programs such
as Medicare; the effectiveness and security of our information technology and other business systems; unfavorable industry, economic or political conditions, including foreign currency movements; acts of war, terrorism, natural disasters or pandemics; our ability to obtain shareholder or regulatory approvals required for the Merger or the requirement to accept conditions that could reduce the anticipated benefits of the Merger
as a condition to obtaining regulatory approvals; a longer time than anticipated to consummate the proposed Merger; problems regarding the successful integration of the businesses of Express Scripts and Cigna; unexpected costs regarding the proposed Merger; diversion of management's attention from ongoing business operations and opportunities during the pendency of the Merger; potential litigation associated with the proposed Merger; the ability to retain key personnel; the availability of financing, including relating to the proposed Merger; effects on the businesses
as a result of uncertainty surrounding the proposed Merger;
as well
as more specific risks and uncertainties discussed in our most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.cigna.com
as well
as on Express Scripts» most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.express-scripts.com.
This area covers the
impact of regulatory and other policies, such
as taxes and subsidies and competition policy, on specific economic sectors (except those covered by the Institute's natural resources or
financial services research), on consumers, and on the overall state of competition in Canada.
The announcement further cements BDC's ongoing commitment to social
impact; last week it announced its certification
as a B Corporation, making it the first
financial institution in Canada to receive this important designation.