Sentences with phrase «financial policy agreements»

Travel with the Executive Director to negotiate and establish new financial policy agreements with partnering universities and colleges throughout the U.S; implementation of new agreements has increased student enrollment by 30 %.

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.

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.

«Through a series of intragroup financial and commercial agreements, the majority shareholders group implemented a policy that resulted in draining, to its own benefit, the treasury and the wealth of the joint company,» Gecamines said in a statement.

Comments received by the Department and media reports also indicate that many financial institutions already had completed or largely completed work to establish policies and procedures necessary to make the business structure and practice shifts required by the Impartial Conduct Standards earlier this year (e.g., drafting and implementing training for staff, drafting client correspondence and explanations of revised product and service offerings, negotiating changes to agreements with product manufacturers as part of their approach to compliance with the PTEs, changing employee and agent compensation structures, and designing conflict - free product offerings), and the Department believes that financial institutions may use this compliance infrastructure to ensure that they meet the Impartial Conduct Standards after taking the additional Start Printed Page 16910sixty days for an orderly transition between June 9, 2017, and January 1, 2018.

Other specific duties and responsibilities of the HR and Compensation Committee include reviewing senior management selection and overseeing succession planning, including reviewing the leadership development process; reviewing and approving objectives relevant to executive officer compensation and evaluating performance and determining the compensation of executive officers in accordance with those objectives; approving severance arrangements and other applicable agreements for executive officers; overseeing HP's equity and incentive compensation plans; overseeing non-equity-based benefit plans and approving any changes to such plans involving a material financial commitment by HP; monitoring workforce management programs; establishing compensation policies and practices for service on the Board and its committees, including annually reviewing the appropriate level of director compensation and recommending to the Board any changes to that compensation; developing stock ownership guidelines for directors and executive officers and monitoring compliance with such guidelines; and annually evaluating its performance and its charter.

33 Page Client Welcome Packet: which includes Consent Form, Mutual Agreement, Hospital Transfer Policies, Financial Policies, Supply List, etc..

Meeting the looming on - time budget deadline of March 31 was encouraged by observant Christian and Jewish lawmakers wanting to get home and, more importantly, by agreements to punt on a number of partisan - dividing policy issues not directly connected to the state's financial plan.

Read the full terms and conditions of any financial or security agreement — credit cards, auto loans, mortgages, identity theft agreements, insurance policies, and so on.

these agreements and agreed to assume the related policies due to the fact that it no longer received rating agency capital credit in connection with the exposures ceded to ARF and Converium because ARF no longer has a financial strength rating and the financial strength rating of Converium had been downgraded.

See the Online and Mobile Financial Services Agreement for details regarding the Mobile Check Deposit funds availability policy.

Such communications will include but not necessarily be limited to confirmations of transactions, account statements, tax documents, financial statements and reports of portfolio holdings, reorganization notices, proxy materials, notices of modifications to this Agreement, the Account Agreement, and Capital One Investing's Privacy Policy, as well Margin Account Agreement as annual and semiannual audited and unaudited reports for Capital One Investing and other basic communications.

NEW YORK — Attorney General Eric T. Schneiderman, the Committee to Save Cooper Union («CSCU»), and The Cooper Union for the Advancement of Science and Art («Cooper Union») today announced a settlement agreement that will resolve the Attorney General's investigation into Cooper Union's financial troubles and end the litigation filed by CSCU seeking to reinstate the school's historic free - tuition policy.

Mind the gap: the $ 1.6 trillion energy transition risk is the first report to analyse the upstream financial implications for investors of the yawning gap between the Paris Agreement, which pledges to keep climate change well below 2C above pre-industrial times and aims for 1.5 C, and government policies, which are consistent with 2.7 C of warming.

Since the United Nations has accredited and enlisted numerous non-governmental and inter-governmental organizations to assist in the implementation of its policies relative to Agenda 21 around the world and in the United States, the State of Florida and all of its political subdivisions may not enter into any agreement, expend any sum of money, receive any funds, receive any grants, or receive any contracting services, or giving financial aid to or from those United Nations non-governmental and inter-governmental organizations as defined in Agenda 21 or any of its ancillary programs.

For example, the funder may be seeking some kind of collateral benefit from the proceeding, or the financial terms of the agreement may be contrary to public policy.

Provide online agreements and privacy policies for financial institution's online payments service.

In the interim, employers should consider how to deal with potential issues arising from the extended leaves, such as the financial and administrative impact on an employer's policies or agreement to provide top - up pay during the leave, and employer and employee obligations to maintain their share of any payments to pension, medical or other plan beneficial to the employee during the leave.

There have been four no - contest agreements since the policy was implemented and in each case there were financial penalties agreed to by the companies under investigation.

Business Development: Brokering various business dealings that further the diversification of Indian economies Developing and accessing commercial financial programs and services for tribal governments, including tax - exempt offerings and federally - guaranteed housing loans Serving as issuer or underwriter's counsel in tribal bond issuances Ensuring tribal compliance with Bank Secrecy Act and other federal financial regulatory requirements Handling federal and state income, excise, B&O, property and other tax matters for tribes and tribal businesses Chartering tribal business enterprises under tribal, state and federal law Registering and protecting tribal trademarks and copyrights Negotiating franchise agreements for restaurants and retail stores on Indian reservations Custom - tailoring construction contracts for tribes and general contractors Helping secure federal SBA 8 (a) and other contracting preferences for Indian - owned businesses Facilitating contractual relations between tribes and tribal casinos, and gaming vendors Building tribal workers» compensation and self - insurance programs Government Relations: Handling state and federal regulatory matters in the areas of tribal gaming, environmental and cultural resources, workers» compensation, taxation, health care and education Negotiating tribal - state gaming compacts and fuel and cigarette compacts, and inter-local land use and law enforcement agreements Advocacy before the Washington State Gambling Commission, Washington Indian Gaming Association and National Indian Gaming Commission Preparing tribal codes and regulations, including tribal court, commercial, gaming, taxation, energy development, environmental and cultural resources protection, labor & employment, and workers» compensation laws Developing employee handbooks, manuals and personnel policies Advocacy in areas of treaty rights, gaming, jurisdiction, taxation, environmental and cultural resource protection Brokering fee - to - trust and related real estate and jurisdictional transactions Litigation & Appellate Services: Handling complex Indian law litigation, including commercial, labor & employment, tax, land use, treaty rights, natural and cultural resource matters Litigating tribal trust mismanagement claims against the United States, and evaluating tribal and individual property claims under the Indian Claims Limitation Act Defending tribes and tribal insureds from tort claims brought against them in tribal, state and federal courts, including defense tenders pursuant to the Federal Tort Claims Act Assisting tribal insureds in insurance coverage negotiations, and litigation Representing individual tribal members in tribal and state civil and criminal proceedings, including BIA prosecutions and Indian probate proceedings Assisting tribal governments with tribal, state and federal court appeals, including the preparation of amicus curiae briefs Our Indian law & gaming attorneys collaborate to publish the quarterly «Indian Legal Advisor ``, designed to provide Indian Country valuable information about legal and political developments affecting tribal rights.

Assuming there is complete financial disclosure and the prenuptial agreement does not violate any statue or public policy, the court's main focus will be comparing the circumstances of the parties at the time of the execution with the parties» financial condition at the time of the divorce.

His work in the financial industry includes drafting of contracts and documentation for offering of banking, financial, insurance and investments products, as well as auditing of internal organizational policies and procedures, partnership, distribution, and outsourcing agreements.

Capital Management — Insurance companies need to set aside funds to cover the eventualities of claims, in the case of high risk policies with high potential financial liabilities a reinsurance agreement will enable the company to manage some of this risk prudently and thus free up capital for other projects

Home Best Life Insurance Quote Instant Life Insurance Quote 5 Year Term Life Insurance 10 Year Term Life Insurance 15 Year Term Life Insurance 20 Year Term Life Insurance 25 Year Term Life Insurance 30 Year Term Life Insurance Cheap Term Life Insurance Affordable Life Insurance Inexpensive Term Life Insurance Free Life Insurance Quote Accidental Death Benefit Waiver Of Premium Universal Life Whole Life Insurance Benefit Business Life Insurance Sole Proprietorship Partnerships C - Corporations S - Corporations Limited Liability Companies Buy - Sell Agreements Incontestability Disability Insurance Quote Long Term Care Insurance Viatical Settlements Term Life Insurance Financial Planning Whole Life Insurance Retirement Planning Estate Planning Mortgage Insurance Universal Life Insurance Disability Insurance Whole Life Insurance Quotes Cheap Life Insurance Life Insurance Companies Cheap Term Life Insurance Life Insurance Policy

Insurance Mortgage Disability Ins Long term Care Insurance Affordable Life Insurance Annuities Business Life Insurance Best Life Insurance Policy Buy Sell Agreements Cheap Life Insurance Decreasing Term Life Insurance Estate Planning Financial Planning How Much Life Insurance Incontestability Lapsed Life Insurance Policies Life Insurance Online Life Insurance Settlement Life Insurance Income Medical Examinations Mortgage Life And Disability Ins Permanent Life Insurance Professional Diasbility Ins Retirement Planning Whole Life Insurance

Home Life Insurance Settlement Beneficiaries Beneficiaries Of Unclaimed Life Insurance Business Life Insurance Sole Proprietorships Partnerships C Corporations S Corporations Limited Liability Companies Key Employee Life Insurance Buy Sell Agreements Estate Planning Financial Planning Key Employee Life Insurance Permanent Life Insurance Options Selling A Life Insurance Policy Universal Life Insurance Variable Universal Life Insurance Variable Life Insurance Quote Annuity Fixed Annuities Deferred Annuities Professional Disability Insurance Long Term Disability Insurance Low Cost Life Insurance Low Cost Term Life Insurance Medical Examinations No Exam Life Insurance No Load Life Insurance Permanent Insurance Retirement Planning Return Of Premium Term Life Straight Life Insurance Term Life Insurance Quotes Explanation Whole Life Insurance Explained

Home Fixed Annuities Retirement Planning Annuities Annuity Variable Annuities Accelerated Death Benefit Accidental Death Benefit Affordable Life Insurance Quote Beneficiaries Of Unclaimed Life Insurance Best Life Insurance Policy Best Term Life Insurance Quote Best Term Life Insurance Rate Burial Insurance Business Life Insurance Buying Life Insurance Buy - Sell Agreements Buy Term Life Insurance Cashing A Life Insurance Policy Charitable Giving Cheap Life Insurance Cheap Online Life Insurance Quote Compare Term Life Insurance Quotes Decreasing Term Life Insurance Quotes Definition Of A Universal Life Policy Definition Of Term Life Insurance Disability Insurance Dividends Estate Planning Explanation Of Term Life Insurance Family Protection Financial Planning Affordable Term Life Insurance Incontestability Increasing Premium Term Life Insurance Individual Disability Insurance Cheap Term Life Insurance Insurance Commissioners Websites Key Employee Life Insurance Joint Term Life Insurance Lapsed Life Insurance Policies

Home Articles Life Insurance Agent Insurance Leads 5 Year Term Life Insurance 10 Year Term Life Insurance 15 Year Term Life Insurance 20 Year Term Insurance 25 Year Term Life Insurance 30 Year Term Life Insurance Accelerated Death Benefit Accidental Death Benefit Affordable Life Insurance Quote Annuity Best Term Insurance Burial Insurance Business Life Insurance Buy Sell Agreements Buying Level Term Life Insurance Buying Life Insurance Cashing A Life Insurance Policy Cheap Term Life Insurance Quote Cheapest Life Insurance Direct Life Insurance disability Insurance Quote Dividends Estate Planning Estate Taxes Family Protection Financial Planning Financial Security Explanation Of Term Life Insurance Fixed Annuities Instant Life Insurance Quote Life Insurance Companies Life Insurance Policy Life Insurance Quote Online Life Insurance Rates Life Insurance Settlement Term Life Insurance Quotation Mortgage Life And Disability Insurance Permanent Insurance Return Of Premium Term Life Insurance Term Life Insurance Online Whole Life Insurance Quote

Home Best Term Life Insurance Rate Affordable Life Insurance Beneficiaries Best Life Insurance Quote Universal Life Insurance Waiver Of Premium Best Life Insurance Policy Charitable Giving Best Term Life Insurance 5 Year Term Life Insurance 10 Year Life Insurance 15 Year Term Life Insurance 20 Year Term Insurance Policy 25 Year Term Life Insurance 30 Year Term Life Insurance Increasing Premium Life Insurance Accelerated Death Benefit Advantages Of Whole Life Insurance Annuities Burial Insurance Business Life Insurance Buy - Sell Agreements Buying Life Insurance Buy Term Life Insurance Cash Values Cashing A Life Insurance Policy C - Corporations Cheap Term Life Insurance Quote Compare Term Life Insurance Quotes Decreasing Term Life Insurance Deferred Annuities Definition Of A Universal Life Policy Definition Of Term Life Insurance Direct Life Insurance Disability Insurance Quote Estate Planning Explanation Of Term life Insurance Family Protection Financial Planning Fixed Annuities Free Life Ins Quote Free Term Life Quote

Home Financial Preparation And Planning Financial Security Family Protection Estate Planning Long Term Care Insurance Long Term Disability Insurance Low Cost Term Life Insurance Types Of Life Insurance Policies Disability Insurance Disability Insurance Quote Annuity Fixed annuities Variable Annuities Universal Life Variable Universal Life Insurance Variable Life Insurance Quote Viatical Settlements Viatical Settlement Investments Annuities Buy - Sell Agreements Do You Really Need Life Insurance How Much Life Insurance How Much Life Insurance For Small Business

Life Insurance Quotes Term Life Insurance Prices Affordable Life Insurance Mutual Funds Financial Planning Whole Life Insurance Retirement Planning Estate Planning Mortgage Insurance Universal Life Insurance Long Term Care Insurance Disability Insurance Whole Life Insurance Quotes Cheap Life Insurance Term Insurance Cheap Term Life Insurance Life Insurance Policy Term Life Insurance Quotes Online Life Insurance Life Insurance Policies Low Cost Life Insurance Whole Life Insurance Quote Term Life Insurance Rates Accelerated Death Benefit Life Insurance Rates No Load Life Insurance Nonforfeiture Values Life Insurance Rate Burial Insurance Business Life Insurance Buy - Sell Agreements Key Employee Life Insurance Affordable Term Life Insurance Search Mortgage Protection Insurance Low Cost Term Life Insurance Comprehensive Key Employee Insurance

Honesty with Auto Insurance Companies An auto insurance policy is a financial agreement in the classic sense, and a contract of sorts between two parties, the insured and read more...

Supervision / Direction of Finance & Accounting for Tribal Enterprise operations Review of General Ledger information pertaining to Tribal Enterprises General Ledger Reconciliations Prepare / review journal entries Preparation / review of Tribal Enterprise financial statement information Review and coordination of revenue / expense assumptions for preparation of annual budgets for Tribal Enterprises Review, implementation and direction of policies / procedures for Tribal Enterprises Perform analysis of various financial variables to ensure optimum efficiency Organize / Prepare various proposals for management and vendor agreements Provide consultation and financial information for Tribal Council Assist CFO with the preparation and completion of annual audits.

Hospitality Sales Manager — Duties & Responsibilities Direct all daily operations, sales, customer service, and finances for multiple hotels, resorts, and other businesses Recruit, train, and direct staff ensuring they understand the brand and adhere to company policies and procedures Design and implement marketing and sales campaigns resulting in increased revenue Consistently exceed sales goals through effective marketing, networking, and other tactics Make cold calls in a courteous, yet assertive manner that translates to sales results Perform research on prospective leads and existing clients to assist in developing sales strategies Craft effective sales presentations and proposals, tailoring them to clients based on their specific needs and styles Develop a rapport with customers and orient them to various products and services Encourage high customer retention by maintaining friendly, supportive contact with existing clients Interact with support staff and company resources effectively to create the best consumer experience Maintain comprehensive records detailing pricings, sales, activities reports, and other pertinent data Study internal literature to become an expert on products and services Set company budgets, maintain profit / loss statements, and ensure overall financial health Cut operational costs through effective inventory management and employee scheduling Negotiate contracts and agreements with suppliers securing quality products at low prices Create employee development programs building staff skill sets and value Utilize employee recognition tactics to build morale and company loyalty Perform administrative duties such as data entry, filing, faxing, and phones as needed Represent company brand with poise, integrity, and positivity

In 2008, the Government convened a Native Title Payments Working Group (Working Group) to recommend «leading policy and practice to optimise financial and non-financial benefits from resource agreements».

Event sponsorship contract Association branding manuals EVP / CEO employment contracts Association policy and procedures manuals President's job description Third - party vendor agreements REALTOR ® prayers Association business / strategic plans Association mission statements Association disaster plans Office policy manuals Member benefit brochures Member surveys Events checklists Special event themes Annual reports Sample RFP for association counsels Staff job descriptions Financial procedures Fiscal policies Investment policies Travel policy Bylaws IDX agreements Leadership orientations Web site RFPs Broker surveys

The court determined that because the statute in question did not prohibit such clauses and the fact that the Owners were sophisticated in financial matters, public policy did not bar the enforcement of the Agreement's exculpatory clause and so affirmed the ruling by the trial court in favor of A.M.

Beneficiary: An individual, company, organization, or other entity named in a trust, life insurance policy, annuity, will, mortgage loan or other agreement who receives a financial benefit upon the death of the principal.

Personal: Travel (maps, destinations, hotels, frequent flyer state - ments) Home (recipes, decorating, gardening, organizing, party planning) Family (parenting articles, sports teams) Health (one for each member of the family) School report cards Children's sports teams Phone numbers and address subcategories: Business (home maintenance contacts, work references) Personal (master list, emergency contacts list) Financial and legal subcategories: Tax returns (current year, immediate past year, all other years); Important Certificates: (birth, marriage, divorce and death certificates) Passports Wills Mortgage agreements or leases Insurance policies Car records Educational records Medical records (see below) Power of attorney Bank statements (each account gets a separate file) Credit card accounts (one file for each) Utility company bills RRSPs Investment records Loan agreements Pay stubs Home subcategories:.