It offers a full range of
financial products and services from auto, home and life insurance to retirement planning services, investment management and annuities.
To go into effect next Spring, the final rule would have prohibited providers of certain consumer
financial products and services from using an agreement with... Read More
Not exact matches
And in the case of
financial institution a relevant place to apply it would be where it's important for a particular
product or
service to have either more trust
from third parties or to engage third parties in building a network without a traditional intermediary.
Such statements include, but are not limited to, statements about the continued demand for our
product, the wind - down of ExpressJet's flying agreement with Delta,
and the related removal
from service and / or placement into
service of certain aircraft, the scheduled aircraft deliveries for SkyWest Airlines for 2018, as well as SkyWest's future
financial and operating results, plans, objectives, expectations, estimates, intentions
and outlook,
and other statements that are not historical facts.
Just last week, Facebook announced that it is banning ads promoting cryptocurrencies in an effort to prevent users
from advertising «
financial products and services frequently associated with misleading or deceptive promotional practices.»
Financial passporting refers to banks» ability to sell
products and services across the eurozone
from locations in Britain using one licence.
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.
Important factors that could cause our actual results
and financial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our ability to successfully and profitably market our products and services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on For
financial condition to differ materially
from those indicated in the forward - looking statements include, among others, the following: our ability to successfully
and profitably market our
products and services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services; the acceptance of our
products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services by patients
and healthcare providers; our ability to meet demand for our
products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services; the willingness of health insurance companies
and other payers to cover Cologuard
and adequately reimburse us for our performance of the Cologuard test; the amount
and nature of competition
from other cancer screening
and diagnostic
products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage
and reimbursement for our
products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines
and quality metrics issued by various organizations such as the U.S. Preventive
Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
Services Task Force, the American Cancer Society,
and the National Committee for Quality Assurance regarding cancer screening or our
products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services; our ability to successfully develop new
products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services; our success establishing
and maintaining collaborative, licensing
and supplier arrangements; our ability to maintain regulatory approvals
and comply with applicable regulations;
and the other risks
and uncertainties described in the Risk Factors
and in Management's Discussion
and Analysis of
Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on For
Financial Condition
and Results of Operations sections of our most recently filed Annual Report on Form 10 - K
and our subsequently filed Quarterly Reports on Form 10 - Q.
Brainstorm Design 2019, to be held in parallel with Singapore's annual Design Week, will feature thinkers
from diverse fields including industrial
and product design, architecture
and urban planning, graphic design, user experience, mobility
and transportation, fashion,
financial services, travel
and hospitality
and many more.
It Starts with a Buzz The University of Life
Service,
Service,
Service What Business Should You Be In When is the right time to Start a business Don't Be a Flake Get It Right
from the Start - Build Your Business like an Egyptian Pyramid My First Business Venture How I Started My Business Where It Went Wrong Making a Mistake Don't Burn Your Bridges Damage Limitation
and Control How I Moved On Controlling Your
Financial Exposure Getting Help with Your Idea How do You Research Your Idea Why You Have a Business Always Be Prepared Vertical or Horizontal Vision What Direction to Follow Leadership
and Employing Staff Guiding Your Management Team Enjoy Your Work
and Your Life Get Your
Products and Services Right Low Cost
Products and Service is not the Way Ahead Do You Need a Business Partner Business Expansion If You Want to Diversify, of What Should You Be Aware More Examples of Business Expansion The Importance of Good Time Keeping Time Management Real Estate Investment Finding the Solution
Loong said that investors
from this round will allow WeLab to partner with more banks to develop
financial products and services.
Aceto Corp. shares tumbled after the firm said it is seeking a waiver
from its bank regarding debt
service and financial covenants, naming a new interim CFO
and taking hundreds of millions of dollars in write - downs related to its
products.
BlackBerry's ability to manage inventory
and asset risk; BlackBerry's reliance on suppliers of functional components for its
products and risks relating to its supply chain; BlackBerry's ability to obtain rights to use software or components supplied by third parties; BlackBerry's ability to successfully maintain
and enhance its brand; risks related to government regulations, including regulations relating to encryption technology; BlackBerry's ability to continue to adapt to recent board
and management changes
and headcount reductions; reliance on strategic alliances with third - party network infrastructure developers, software platform vendors
and service platform vendors; BlackBerry's reliance on third - party manufacturers; potential defects
and vulnerabilities in BlackBerry's
products; risks related to litigation, including litigation claims arising
from BlackBerry's practice of providing forward - looking guidance; potential charges relating to the impairment of intangible assets recorded on BlackBerry's balance sheet; risks as a result of actions of activist shareholders; government regulation of wireless spectrum
and radio frequencies; risks related to economic
and geopolitical conditions; risks associated with acquisitions; foreign exchange risks;
and difficulties in forecasting BlackBerry's
financial results given the rapid technological changes, evolving industry standards, intense competition
and short
product life cycles that characterize the wireless communications industry,
and the company's previously disclosed review of strategic alternatives.
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.
Many factors could cause BlackBerry's actual results, performance or achievements to differ materially
from those expressed or implied by the forward - looking statements, including, without limitation: BlackBerry's ability to enhance its current
products and services, or develop new
products and services in a timely manner or at competitive prices, including risks related to new
product introductions; risks related to BlackBerry's ability to mitigate the impact of the anticipated decline in BlackBerry's infrastructure access fees on its consolidated revenue by developing an integrated
services and software offering; intense competition, rapid change
and significant strategic alliances within BlackBerry's industry; BlackBerry's reliance on carrier partners
and distributors; risks associated with BlackBerry's foreign operations, including risks related to recent political
and economic developments in Venezuela
and the impact of foreign currency restrictions; risks relating to network disruptions
and other business interruptions, including costs, potential liabilities, lost revenues
and reputational damage associated with
service interruptions; risks related to BlackBerry's ability to implement
and to realize the anticipated benefits of its CORE program; BlackBerry's ability to maintain or increase its cash balance; security risks; BlackBerry's ability to attract
and retain key personnel; risks related to intellectual property rights; BlackBerry's ability to expand
and manage BlackBerry ® World ™; risks related to the collection, storage, transmission, use
and disclosure of confidential
and personal information; BlackBerry's ability to manage inventory
and asset risk; BlackBerry's reliance on suppliers of functional components for its
products and risks relating to its supply chain; BlackBerry's ability to obtain rights to use software or components supplied by third parties; BlackBerry's ability to successfully maintain
and enhance its brand; risks related to government regulations, including regulations relating to encryption technology; BlackBerry's ability to continue to adapt to recent board
and management changes
and headcount reductions; reliance on strategic alliances with third - party network infrastructure developers, software platform vendors
and service platform vendors; BlackBerry's reliance on third - party manufacturers; potential defects
and vulnerabilities in BlackBerry's
products; risks related to litigation, including litigation claims arising
from BlackBerry's practice of providing forward - looking guidance; potential charges relating to the impairment of intangible assets recorded on BlackBerry's balance sheet; risks as a result of actions of activist shareholders; government regulation of wireless spectrum
and radio frequencies; risks related to economic
and geopolitical conditions; risks associated with acquisitions; foreign exchange risks;
and difficulties in forecasting BlackBerry's
financial results given the rapid technological changes, evolving industry standards, intense competition
and short
product life cycles that characterize the wireless communications industry.
These risks
and uncertainties include food safety
and food - borne illness concerns; litigation; unfavorable publicity; federal, state
and local regulation of our business including health care reform, labor
and insurance costs; technology failures; failure to execute a business continuity plan following a disaster; health concerns including virus outbreaks; the intensely competitive nature of the restaurant industry; factors impacting our ability to drive sales growth; the impact of indebtedness we incurred in the RARE acquisition; our plans to expand our newer brands like Bahama Breeze
and Seasons 52; our ability to successfully integrate Eddie V's restaurant operations; a lack of suitable new restaurant locations; higher - than - anticipated costs to open, close or remodel restaurants; increased advertising
and marketing costs; a failure to develop
and recruit effective leaders; the price
and availability of key food
products and utilities; shortages or interruptions in the delivery of food
and other
products; volatility in the market value of derivatives; general macroeconomic factors, including unemployment
and interest rates; disruptions in the
financial markets; risk of doing business with franchisees
and vendors in foreign markets; failure to protect our
service marks or other intellectual property; a possible impairment in the carrying value of our goodwill or other intangible assets; a failure of our internal controls over
financial reporting or changes in accounting standards;
and other factors
and uncertainties discussed
from time to time in reports filed by Darden with the Securities
and Exchange Commission.
Fidelity Brokerage
Services and National
Financial Services LLC receive a selling concession
from the offering broker for their distribution of structured
products.
In addition to «flat - fee - only»
and «fee - offset» models, the SunAmerica Advisory Opinion provides that asset allocation
services offered to participants (involving advice
and even discretionary management) that are the
product of a computer model developed
and overseen by an independent
financial expert,
and subject to certain additional conditions, would allow a
service provider (the broker - dealer, in this case) to avoid PTs when receiving variable / indirect compensation
from its platform of investment offerings.
We expanded the
product line, added aggregated liquidity
from 3 different liquidity providers (including LMAX), legal
and financial services.
The tourism,
financial services and real estate sectors of Lebanon's economy are booming,
and overseas remittances are pouring in
from the Lebanese expatriate community, which has increasing ties to the country, making it one of the largest recipients of such income in the world, in terms of share of gross domestic
product.
When the new Comprehensive
and Progressive Agreement for Trans - Pacific Partnership is implemented, Canadians will gain enhanced market access for everything
from agricultural goods to advanced manufacturing exports,
financial services and forestry
products.
Discover
Financial Services posted a double - digit growth in payment services transactions in the first quarter of 2018, as its leadership reported early success from a new checking - and - rewards
Services posted a double - digit growth in payment
services transactions in the first quarter of 2018, as its leadership reported early success from a new checking - and - rewards
services transactions in the first quarter of 2018, as its leadership reported early success
from a new checking -
and - rewards
product.
Banks
and building societies should be able to offer the same tax advantages to their customers,
and consumers should have the ability to access comparable
products from all
financial service providers.
AXA
and Jumia view Africa as a fast - developing market for
financial services and insurance
products, benefitting
from strong fundamentals such as low penetration rates, rise in middle class, urbanization, as well as the youth of its population.
Reputed for its superior
financial performance
and best in - class
product and service delivery, the bank has received numerous awards
from industry watchers
and analysts, among these are the «Best Banking Group of 2015, Nigeria,» by the World Finance Magazine
and the 2015 Bank of the Year by leading international investment
and communications group, Africa Investor (Ai).
Over 50
products were represented in the ads,
from consumer packaged goods
and cars to
financial services.
The law allows us to share your
financial information solely for the purpose of providing you the
products and services you seek
from this dealership.
In addition to the vehicles the other
products we obtained
from the dealership was a loan financed through Toyota
Financial Services and one they obtained for us through one of the lenders they use - Huntington Bank.
«Mercedes - Benz Certified» offers fascinating
product to the customer which fulfills all of their needs, including finance options
from Daimler
Financial Services, at very attractive rates
and with hassle free paperwork.
STAR Agility is yet another unique
and innovative
product from Mercedes - Benz
Financial Services which enhances the flexibility
and affordability of owning a Mercedes - Benz.
====== BUY WITH CONFIDENCE: CARFAX 1 - Owner ====== BUY
FROM AN AWARD WINNING DEALER: At Baxter Chrysler Jeep Dodge, you'll find a wide assortment of automotive
services and products including new
and pre-owned vehicle inventories, a professional
service department,
financial assistance
and more.
As Dimitri Volkmann, vice president for
products and markets at Good Technology puts it, «We are seeing rapid adoption of tablets across a lot of highly regulated sectors —
from public utilities to
financial services, banking
and healthcare.»
«We are seeing rapid adoption of tablets across a lot of highly regulated sectors —
from public utilities to
financial services, banking
and healthcare,» said Dimitri Volkmann, vice president for
products and markets at Good Technology.
My husband is in the
financial services industry
and he's fells the same way as you about NDA
from folks who are SURE he should be selling their
product.
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 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, 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, the risk that the transactions with Microsoft
and Pearson 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 contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft
and Pearson commercial agreements
and the consequences thereof, 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 April 27, 2013,
and in Barnes & Noble's other filings made hereafter
from time to time with the SEC.
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.
Given our strong capital level, very low charge - offs
and delinquency
from loans as well as outstanding performance
from investments, Star One continues to outperform most other
financial institutions
and provide exceptional
products and services for our members.
From my experience as someone who analyzes various software solutions in the
financial space, I've noted that everyone is at a different position with their finances
and may want to determine which
product /
service works out best for their specific needs.
Like any insurance
product, you'll want to buy
from a reputable carrier with a stable
financial history
and reputation for good customer
service.
Fortunately, there are resources available to comprehensively assist small business owners as they transition
from consumer
financial products to more appropriate business - oriented
products and services.
While EverBank provides many
financial services from mortgage banking to investing, they're actually quite well known for their online banking
and consumer
products,
from high yield checking
and high interest savings accounts to money market accounts
and CDs that are denominated in both U.S.
and foreign currencies.
We are committed to serving your organization by offering affordable
financial products and excellent customer
service from bankers that understand your professional banking needs.
There is an exhausting number of companies active in the market, but
from our experience there are ten that seem to stand out in terms of
product offerings, customer
service,
and overall
financial strength
and stability.
Our purpose is to help you pursue your
financial goals through
products and services that go beyond the traditional savings
and lending
services you might expect
from a credit union.
Chartered in 1935, Credit Human is a $ 2.7 billion credit union serving 250,000 members in 43 states across the U.S. Headquartered in San Antonio, we are a not - for - profit, member - owned
financial cooperative offering competitive
products and services from 16 San Antonio locations, one in Houston
and nationally through our manufactured home lending division.
Most investment companies make it hard to find out how much their
services really cost,
and you probably won't know when they receive sales commissions or kickbacks
from recommending
and selling certain
financial products.
They offer some support for those who need
financial advice potentially rivaling what you'd expect
from full -
service brokerages,
and they've got a wide range of investment selections in their
product roster.
These sites carry paid links
from some retailers
and financial services providers; in other words, if you click through them
and get a
product, they get paid.
Seeking to harness the growth potential of large U.S. companiesA large - company focus: The fund invests in large U.S. companies, targeting those with a competitive edge in markets around the world
and the potential to produce strong profits.A rigorous process: The fund's manager uses rigorous fundamental investment research to find opportunities
and manage risk.A focus on quality: The manager seeks companies with solid management, sound
financials,
and products or
services that are benefiting
from growing demand.
The alternative used to be to rely on a traditional
financial adviser, for which «you're probably paying a premium for commission - based advice from someone incentivized to sell a specific product,» says Tea Nicola, co-founder and CEO of Vancouver - based robo adviser, WealthBar Financial Services Inc. «Your average investor underperforms the market, before and after costs,» Nicola says, «A set - it - and - forget - it strategy with a traditional firm would come with a
financial adviser, for which «you're probably paying a premium for commission - based advice
from someone incentivized to sell a specific
product,» says Tea Nicola, co-founder
and CEO of Vancouver - based robo adviser, WealthBar
Financial Services Inc. «Your average investor underperforms the market, before and after costs,» Nicola says, «A set - it - and - forget - it strategy with a traditional firm would come with a
Financial Services Inc. «Your average investor underperforms the market, before
and after costs,» Nicola says, «A set - it -
and - forget - it strategy with a traditional firm would come with a high fee.