Sentences with phrase «financial risks of life»

El Monte insurance policies — for business, life, home, health, and auto — can help you mitigate against the financial risks of life's unexpected calamities.

El Monte insurance policies — for business, life, home, health, and auto — can help you mitigate against the financial risks of life's unexpected calamities.

Having a certain amount of annuity - like income, whether from private pensions or an annuity, could be a good way to insure yourself against the financial risk of living too long.

Not exact matches

We have lived through the peak of financial engineering and risk transfer.

Particularly since the 2008 financial crisis, generations of young people risk being wasted to a life without future prospects and prosperity.

We live with considerable uncertainty about the sustainability of the pattern of relatively low risk premia and reduction in the cost of insurance against future macroeconomic and financial volatility.

I came away from this recent conversation with a deeper understanding of the ethical risks posed by AI, insights into behavioral data science, and cautious optimism that we can use these tools and technology to create the financial world we want to live in.

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.

Having one's job and a portion of one's wealth in the same firm can create undue financial risk for workers, as it does for individuals and families who use some or all of their life savings to start their own businesses or otherwise invest heavily in one asset.

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.

To determine our peer group of companies, we considered public cloud - based services providers and selected those most similar to us based on various factors, including, but not limited to, financial risk, company size, geographic diversification, profitability, growth characteristics and stage of life cycle.

Investments in SMART529 are not guaranteed or insured by the State of West Virginia, the Board of Trustees of the West Virginia College Prepaid Tuition and Savings Program, the West Virginia State Treasurer's Office, Hartford Life Insurance Company, The Hartford Financial Services Group, Inc., the investment sub-advisors for the Underlying Funds or any depository institution and are subject to investment risks, including the loss of the principal amount invested, and may not be appropriate for all investors.

«As financial market practitioners, we live with this political risk with increasing frequency in the wake of the financial crisis,» Zezas says, with the UK's vote to leave the EU as the most obvious, most recent example.

It all depends on your other sources of income, risk tolerance, age, financial goals, living expenses and so on.

For the financial markets, those risks are compounded by the unbalanced «risk - on» exposure that investment managers and institutions adopted early this year, encouraged by a short - lived burst of economic activity, and faith in a central - bank backstop.

With the terrible non-financial costs and risks now visible, are we willing to pay the financial cost of banning live sheep exports?

The cheating spouse controls the betrayed spouse by maintaining the illusion of an unbroken union, withholding life - altering information whilst deciding unilaterally to take risks with their spouses» life, safety, health, and security, draining financial resources and ravaging the unsuspecting spouse's life in literally every possible way.

Inclusion criteria: ≤ 25 years, low educational level (primary school or prevocational secondary school), maximum 28 weeks of gestation, no previous live birth, understood Dutch, and at least 1 of the following additional risk factors: no social support, previously or currently experiencing domestic violence, psychosocial symptoms, unwanted and / or unplanned pregnancy, financial problems, housing difficulties, no education and / or employment and alcohol and / or drug use

Isn't greater home - ownership the best opportunity for people to escape state dependency and invest in a simple, low - risk asset over a life - time that will allow people who started with nothing to achieve their goal of total financial independence?

It's a Wonderful Life, a putatively heartwarming story about a small - time banker with a heart of gold, manages to combine all four elements, as it inexplicably lionises a lunkheaded ninny who risks the financial health of his community by making a series of bad loans to people who are in no position to repay them.

Calls on the Commission, by the end of 2013, to submit a legislative proposal establishing an effective and comprehensive European whistleblower protection programme in the public and in the private sector to protect those who detect inefficient management and irregularities and report cases of national and cross-border corruption relating to EU financial interests and to protect witnesses, informers, and those who cooperate with the courts, and in particular witnesses testifying against mafia - type and other criminal organisations, with a view to resolving the difficult conditions under which they have to live (from risks of retaliation to the breakdown of family ties or from being uprooted from their home territory to social and professional exclusion); calls also on the Member States to put in place appropriate and effective protection for whistleblowers.

They define the condition as «a pattern of financial behavior that places an older adult at substantial risk for a considerable loss of resources such that dramatic changes in quality of life would result.»

Dr Richardson commented: «It may be that those at higher risk of having an eating disorder feel like they have no control over events in their life, such as their financial situation, and they may then restrict their eating as a way of exercising control in other areas of their life.

Not stepping up to the plate is a form of denial, and when we ignore our financial picture, we also put at risk our essence, our skills and talents, our beauty, consciousness, and capabilities — everything about ourselves that is really essential to a life of true abundance, prosperity, and wealth.

We protect you from financial risks, create a roadmap for your future, manage your investments, and provide advice that touches every area of your life.

However, the risks involved should be explained clearly in the financial plan, such as possible loss of capital, the instability of interest rates, repayments of the loan or unexpected life changes, such as redundancy.

In addition to the above, I am intrigued by looking at a combination of guaranteed issue whole - life insurance products, social security, and defined contribution plans to meet more of the financial needs of teachers while potentially taking some of the financial risk off of the state.

There's an unavoidable risk in basing a novel on recent events like the 2008 financial crisis, since the drama of real life usually outruns the imagination of even the most talented writer.

As a renter, there are a number of risks that could have a serious financial impact on your life.

«[FHA] requires most borrowers to keep paying mortgage insurance premiums for the life of the loan — long after any real risk of financial loss to FHA has disappeared.

I just published an article along the same lines of risk mitigation, advocating for a specific financial cushion to bullet - proof (as well as one can) early retirement plans and ease the stress of such a big life change.

Many of us sabotage our own financial lives — sometimes by taking on foolish risks in search of a big payback, sometimes by using spending as a substitute for love, sometimes by ignoring our finances because they're too stressful.

Our representatives are professionals who will consider factors like your current financial situation, stage of life, goals and risk tolerance to seek an appropriate recommendation for you.

The structure of the book contrasts financial risks and life risks through the lives of Rob and Max.

Investments in CHET Advisor are not guaranteed or insured by the State of Connecticut, the Connecticut Higher Education Trust Program, the Connecticut State Treasurer's Office, Hartford Life Insurance Company, The Hartford Financial Services Group, Inc., the investment sub-advisors for the Underlying Funds or any depository institution and are subject to investment risks, including the loss of the principal amount invested, and may not be appropriate for all investors.

Unless a consumer gets a zero - percent interest loan, stretching out the life of the loan to almost six years isn't a great financial decision, and it's also viewed as a greater risk to a lender.

This is more of a philosophical question, although I'll point out that life insurance cash values can be used with financial leverage the purchase higher risk / return ventures.

This section includes guides to economic analysis and forecasts and related financial and economic data; cost of living, consumer price index, and inflation data; bond yields and interest rates; cost of equity capital and related information such as equity risk premiums and size premiums; and royalty rates and license fees for intangible assets and intellectual property such as patents and trademarks.

Our risk profiles and the financial markets are dynamic, however, a static portfolio doesn't accurately reflect this reality of our financial lives.

Becoming a cosigner on a student loan refinance can help a loved one or close friend make their current situation a lot easier, but with that benefit also comes risks, many of which can have a significant impact on your financial life.

You can benefit from improved financial health, better control of your life, a sense of accomplishment and, most importantly, reduced risk of financial hardship.

Life insurance pays your beneficiaries a substantial cash benefit should you die during the term of the policy — essentially protecting them against the risk that you might die prematurely, placing them in financial jeopardy.

While some pundits and financial entertainers such as Dave Ramsey tend to bash this type of life insurance as too expensive, other experts pinpoint whole life insurance as the most immune from speculative market risks AND the source of massive wealth accumulation for many of America's top banks and corporations.

New York Life offers a wide range of permanent life insurance policies to fit most budgets, risk profiles and financial goLife offers a wide range of permanent life insurance policies to fit most budgets, risk profiles and financial golife insurance policies to fit most budgets, risk profiles and financial goals.

Among them was to protect the other life insurers of the US from getting surcharged in order to pay for the costs going to the guarantee funds, along with systemic risk issues at AIG Financial Products (which was much bigger).

This is a good example of life insurance protecting a financial risk, which is one of the main purposes of life insurance.

«With people living longer and more Canadians expecting to retire sooner, it's important to look at what savings you will need to be fully prepared and how having a financial plan can help protect against risks that can be magnified in retirement such as market shocks and health events,» Kevin Dougherty, president of Sun Life Financial Canada said in a pressfinancial plan can help protect against risks that can be magnified in retirement such as market shocks and health events,» Kevin Dougherty, president of Sun Life Financial Canada said in a pressFinancial Canada said in a press release.

Genworth Canada's Homeowner Assistance Program is designed to help homeowners who are experiencing temporary financial difficulties as the result of an unexpected life event, which may put their mortgage at risk.

From here, Pabrai discusses some of the financial details that made these investments value investments: low risk (the few thousand dollars initial investment) and high reward (with their low living expenses and hard - working attitude, Patels could make back their initial downpayment in the first four months!).