Such a realization is enough to send even the healthiest person into a depression, but the added
financial impact of the loss your career can be overwhelming.
While filing a claim will not bring back your loved one, it will allow you to seek justice and may ease
the financial impact of your loss.
In that study, twenty - nine percent of those surveyed indicated that if the primary wage earner in their house were to pass away, they would feel
the financial impact of that loss within one month.
Together, we can identify risks and put together an insurance program that protects against
the financial impact of loss.
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 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.
These
financial impacts will mostly be felt in the poorest parts
of Africa, Asia, and South America — causing
loss of crops, droughts and other extreme weather, and increasing sea level rise.
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.
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.
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?
«Negative publicity or public opinion resulting from these matters may increase the risk
of reputational harm to our business, which can
impact our ability to keep and attract customers, our ability to attract and retain qualified team members, result in the
loss of revenue, or have other material adverse effects on our results
of operations and
financial condition.»
Financial services group Nordea, which banned its employees from engaging in off - the - clock cryptocurrency trading earlier this year, said at the time that financial institutions often «restrict the personal account dealing of staff to prevent them taking positions in speculative investments, or which might expose them to a risk of financial loss and therefore impact their financial standin
Financial services group Nordea, which banned its employees from engaging in off - the - clock cryptocurrency trading earlier this year, said at the time that
financial institutions often «restrict the personal account dealing of staff to prevent them taking positions in speculative investments, or which might expose them to a risk of financial loss and therefore impact their financial standin
financial institutions often «restrict the personal account dealing
of staff to prevent them taking positions in speculative investments, or which might expose them to a risk
of financial loss and therefore impact their financial standin
financial loss and therefore
impact their
financial standin
financial standing.»
Important factors that may affect the Company's business and operations and that may cause actual results to differ materially from those in the forward - looking statements include, but are not limited to, operating in a highly competitive industry; changes in the retail landscape or the
loss of key retail customers; the Company's ability to maintain, extend and expand its reputation and brand image; the
impacts of the Company's international operations; the Company's ability to leverage its brand value; the Company's ability to predict, identify and interpret changes in consumer preferences and demand; the Company's ability to drive revenue growth in its key product categories, increase its market share, or add products; an impairment
of the carrying value
of goodwill or other indefinite - lived intangible assets; volatility in commodity, energy and other input costs; changes in the Company's management team or other key personnel; the Company's ability to realize the anticipated benefits from its cost savings initiatives; changes in relationships with significant customers and suppliers; the execution
of the Company's international expansion strategy; tax law changes or interpretations; legal claims or other regulatory enforcement actions; product recalls or product liability claims; unanticipated business disruptions; the Company's ability to complete or realize the benefits from potential and completed acquisitions, alliances, divestitures or joint ventures; economic and political conditions in the United States and in various other nations in which we operate; the volatility
of capital markets; increased pension, labor and people - related expenses; volatility in the market value
of all or a portion
of the derivatives we use; exchange rate fluctuations; risks associated with information technology and systems, including service interruptions, misappropriation
of data or breaches
of security; the Company's ability to protect intellectual property rights;
impacts of natural events in the locations in which we or the Company's customers, suppliers or regulators operate; the Company's indebtedness and ability to pay such indebtedness; the Company's ownership structure; the
impact of future sales
of its common stock in the public markets; the Company's ability to continue to pay a regular dividend; changes in laws and regulations; restatements
of the Company's consolidated
financial statements; and other factors.
These risks could materially and adversely
impact our business,
financial condition, operating results and cash flow, which could cause the trading price
of our common stock to decline and could result in a partial or total
loss of your investment.
They are looking to improve the trust in the
financial services industry because the
loss of trust
impacts all businesses.
The
impact of central bank asset purchases on the
financial markets remains wholly dependent on investor psychology, particularly the willingness
of investors to chase yield and to ignore any risk
of capital
loss.
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.
Chief
Financial Officer Karen Hoguet said sales
of cold - weather merchandise were $ 50 million lower than expected during the quarter; the hurricanes»
impact was estimated at around $ 20 million in
losses.
Examples
of these risks, uncertainties and other factors include, but are not limited to the
impact of: adverse general economic and related factors, such as fluctuating or increasing levels
of unemployment, underemployment and the volatility
of fuel prices, declines in the securities and real estate markets, and perceptions
of these conditions that decrease the level
of disposable income
of consumers or consumer confidence; adverse events
impacting the security
of travel, such as terrorist acts, armed conflict and threats thereof, acts
of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread
of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment
of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount
of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion
of our assets pledged as collateral under our existing debt agreements and the ability
of our creditors to accelerate the repayment
of our indebtedness; volatility and disruptions in the global credit and
financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the
loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price
of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times
of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability
of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.
High interest payments
impacted on operating profits in its 2010
financial year, leaving Findus with a net
loss of # 151.6 million.
Gael Clichy is probably Arsenal's worst
loss to Man City in terms
of his leaving
impacting Arsenal negatively and helping city positively.Part
of it is
financial.
It is also understood that circumstances such as
loss of employment may
impact a family's
financial means dramatically from one year to the next.
Empirical evidence, for example, showsthat fox predation accounts for only a very small proportion
of lamb
losses, and has a negligible
financial impact.
Supporting commercial lines businesses Progress on fixed fees for costs
of noise - induced hearing
loss claims Support for fair compensation for mesothelioma sufferers Expansion
of the Insurance Fraud Bureau's scope to commercial liability Campaigning for solutions fit for our future Our Flood Free Homes campaign Forward thinking policy for data and cyber Engaging Government to support the role
of income protection Delivery
of Flood Re, a world first solution for affordable flood cover Fighting fraud Partnering with Government on the Insurance Fraud Taskforce Renewing the Insurance Fraud Enforcement Department Securing new insurer access to the DVLA registered owners database Influencing sensible regulation On Solvency II, we: Secured changes to secondary legislation Clarified treatment
of deferred tax Negotiated a favourable calibration
of the EIOPA's fundamental spread Supporting insurance businesses Pushing for sensible development
of global capital standards Securing better targeted tax legislation Managing the
impact of international
financial reporting standards.
Much to loose Not only are there the
financial considerations from arson attacks on schools due to building
loss, there is the possible
loss of course work, teachers aids and records, as well as the psychological
impact on pupils, particularly young children, and staff.
Credit ratings and market values
of these investments can be negatively
impacted by liquidity, credit deterioration or
losses,
financial results, or other factors.
The discussion that led to Cortines» comments at the board meeting was the approval
of a new independent KIPP charter school, which spawned a wider discussion on the
financial impact independent charter growth may be having on the district, in particular a recent report from Moody's Investor Service that concluded that the coming expansion
of KIPP charter schools in LA Unified was a credit negative, as it will result in a
loss of $ 35 million to the district.
Policymakers who might consider regulating or constraining one
of these factors — educational choice and
financial responsibility for parents; freedom, competition, and the profit /
loss system for schools — must consider the
impact that such a policy would have on the other factors and the system in general.
It can mean the difference between going out
of business after a severe
loss or recovering from a severe
loss with minimal interruption - and
financial impact to your company's operations.
It can mean the difference between going out
of business after a severe
loss or recovering from a severe
loss with minimal interruption - and
financial impact to your company's operations... (Read More)
Such statements reflect the current views
of Barnes & Noble with respect to future events, the outcome
of which is subject to certain risks, including, among others, the effect
of the proposed separation
of NOOK Media, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects
of competition, possible risks that inventory in channels
of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction
of the device business, including possible reduction in sales
of content, accessories and other merchandise and other adverse
financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that
financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels
of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate
of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance
of Barnes & Noble's online, digital and other initiatives, the success
of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse
impact on the Company's businesses resulting from the Company's prior reviews
of strategic alternatives and the potential separation
of the Company's businesses (including with respect to the timing
of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess
of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution
of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction
of international operations following termination
of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination
of Microsoft commercial agreement, including potential customer
losses, risks associated with the restatement contained in, the delayed filing
of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits
of such efforts and associated risks and other factors which may be outside
of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.
And this doesn't address the
financial impact of a job
loss, unexpected repair bill or any other catastrophic event that will add to the pressure to use credit to balance your budget.
It spends some time discussing the «
financial impact of widowhood,» pointing out that a couple with no life insurance would face the double shock
of loss of income
of a deceased spouse, even as the bills and expenses continue to mount up.
Our products are specifically designed to cover final expenses and offer additional protection for risks such as
loss of income, mortgage cancellation, education expenses, and debt repayment — all which can have a substantial
financial impact on those you love.
Cincinnati
Financial's earnings were impacted during the last financial crisis, but not completely wiped out — and the company avoided heavy losses that hurt shareholders of many other c
Financial's earnings were
impacted during the last
financial crisis, but not completely wiped out — and the company avoided heavy losses that hurt shareholders of many other c
financial crisis, but not completely wiped out — and the company avoided heavy
losses that hurt shareholders
of many other companies.
You should basically consider all your
financial obligations and deduct your current investments and assets, as well as the
impact of the
loss of income for the household, when determining the amount
of life insurance that makes sense for you.
Continued from here... However, Argo is a relatively small fund management business, so I still worry that a
loss of funds or personnel could have a disproportionate
financial impact.
Depending on your current
financial situation, there may be help we can offer that may assist you in avoiding the
loss of your property and / or minimize the
impact to your credit rating.
Raising a child on a single income is challenging enough, and the
financial impact of job
loss for single parents can be catastrophic.
Cybersecurity breaches may cause disruptions and
impact each Fund's business operations, potentially resulting in
financial losses; interference with each Fund's ability to calculate its NAV; impediments to trading; the inability
of each Fund, the adviser, and other service providers to transact business; violations
of applicable privacy and other laws; regulatory fines, penalties, reputational damage, reimbursement or other compensation costs, or additional compliance costs; as well as the inadvertent release
of confidential information.
«The post acquisition
impact of the Biogreen business combination on Group profit for the
financial period was a
loss of $ 0.25 m»
Munich Re, «Natural Disasters: Billion - $ Insurance
Losses,» in Louis Perroy, «
Impacts of Climate Change on
Financial Institutions» Medium to Long Term Assets and Liabilities,» presented to the Staple Inn Actuarial Society, 14 June 2005; Munich Re, Topics Geo Significant Natural Catastrophes in 2004, 2005, and 2006 (Munich: 2005, 2006, and 2007.
They focused on scalable restoration methods that show commercialization potential as wetland offset projects to determine the carbon
impact of incorporating prevented wetland
loss in carbon accounting, determine the state's offset potential, and what the
financial estimates are
of the blue carbon.
The societal and
financial costs
of climate
impacts that can no longer be avoided tend to be grouped under the catch - all term «
loss and damage».
He continued: «Our Director also set out the criteria he would take into account when deciding which cases we should accept for investigation: the
impact of the case on UK
financial plc in general and the City
of London in particular; the scale
of losses, actual or potential; the extent
of the gain, actual or potential; whether we were dealing with a new kind
of fraud or whether there was some other public interest reason for taking the case on.
While your
financial losses are obviously everything that has a dollar amount associated with it, many crash victims overlook their non-economic damages, which represent how their quality
of life has been negatively
impacted by both the swinging turn crash and their injuries.
As for the non-physical
impact of your personal damages, we use non-medical experts such as economists who can calculate an accident victim's
financial losses, or a vocational rehabilitation expert who can determine the costs and
impact of occupational retraining.
Accordingly, any settlement entered into which results in the
loss of valuable medical and
financial benefits for the incapable person, should be undertaken with caution by a litigation guardian and only with a full understanding
of the potential
impact on the person's ODSP.
Andrew Henderson, who has more than 15 years
of experience as a
financial services lawyer, has been advising debt fund Stone Harbor Capital on the
impact of Brexit for its business, including the
loss of marketing and management passports under the AIFMD, and has also provided strategic advice on its post-Brexit options.
We will include all expenses you have incurred, along with all
financial losses due to an inability to work and any noneconomic damages that have
impacted your quality
of life.