At Employment Solutions, we offer you the option of cost - effective insurance cover that minimises
financial risks to your business and reduces pressure on your budgets.
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.
By having a
financial analysis of the impact of those
risks, you will be able
to prioritize the steps you take
to repair your
business after a disruption.
«Far and away the biggest value - creating step that a company can have is evolving from concept
to drug,» says Brian Bapty, a biotechnology analyst with Vancouver - based brokerage Raymond James
Financial Inc. «It's one of the best
businesses to be in, albeit one of the higher -
risk businesses.»
On top of the
risk of federal prosecution, IRS targeting and asset seizure, cannabis entrepreneurs have
to cope with the hazards of conducting a
business that deals mostly in cash, since a majority of traditional
financial institutions — banks, credit card issuers, and payment transaction companies — won't provide services
to the industry.
Goldman Sachs recently hosted a conference call with Steve Kotran, partner and head of the
financial advisory practice at the law firm Sullivan & Cromwell, and discussed some of the emerging
risks to the M&A
business.
Further, PDC urges you
to carefully review and consider the cautionary statements and disclosures, specifically those under the heading «
Risk Factors,» made in its Quarterly Report on Form 10 - Q, its Annual Report on Form 10 - K for the year ended December 31, 2016 (the «2016 Form 10 - K»), filed with the U.S. Securities and Exchange Commission («SEC») on February 28, 2017 and amended on May 1, 2018, and other filings with the SEC for further information on
risks and uncertainties that could affect the Company's
business,
financial condition, results of operations, and prospects, which are incorporated by this reference as though fully set forth herein.
Add that
to the
risks of
business ownership and the inevitable health
risks tied
to aging, and even the most careful
financial planning may not be able
to save these boomers from
financial disaster.
By using
business credit, it is possible
to mitigate personal
financial risk.
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.
CFOs also need
to understand
business risks — both
financial and non-
financial — and know how
to mitigate those
risks.
Be upfront with your loved ones about the
financial risk associated with your potential
business venture, as well as with your motivation for wanting
to pursue it now.
According
to Matt Murawksi, a
financial planner at Goodstein Wealth Management, following these key steps can protect any entrepreneur from any situation and allow them
to grow and protect their personal finances while taking
risks in a new
business.
The alert noted that in a recent SEC Office of Compliance Inspections and Examinations study of 75
financial firms, 5 percent of broker - dealers and 26 percent of advisors and investment funds did not conduct periodic
risk assessments of critical systems
to uncover vulnerabilities, potential
business consequences and other cybersecurity threats.
If your
business still accepts face -
to - face transactions without EMV, not only are losing credibility among your customers, but you're facing some serious
financial risk as well.
Take the right steps
to protect your company from the
business and
financial risks of a lawsuit.
The new software targets data - intensive applications requiring high - speed access
to massive volumes of information generated by countless devices, sensors,
business processes, and social networks; examples include seismic data processing,
risk management and
financial analysis, weather modeling, and scientific research.
Osteryoung suggests that you look for resources in your industry, such as the annual statement studies on small and mid-sized
business financial benchmarks from
Risk Management Associates,
to help you determine whether your profit margin is on target.
At least four states have moved
to imposed some form of departmental cybersecurity rules on
businesses, led by New York, which now requires
financial companies
to certify that they've addressed, among other things, third - party
risks.
Beyond those basics, you'll get approved more readily and with better terms if you give the banks precisely what they need
to make a decision: tax returns and audited (if possible)
financial statements (P&L, balance sheets and cash flow) for the year
to date and the previous three years; monthly statements for the previous 12 months; a
business plan explaining what you do, how you do it and why your company would be a good
risk; a detailed projection showing how you will generate the funds
to pay down the line; and a backup plan (collateral)
to repay the bank if the projections don't pan out.
The former Wells Fargo
Financial employee saw franchising as a chance
to break free from a corporate job while minimizing the
risk of opening a new
business.
What are the requirements
to be a director of a major public corporation, where you are required
to oversee and approve complex
financial statements, compensation packages,
business risk appetite, internal controls and regulatory compliance?
Among the factors that could cause actual results
to differ materially are the following: (1) worldwide economic, political, and capital markets conditions and other factors beyond the Company's control, including natural and other disasters or climate change affecting the operations of the Company or its customers and suppliers; (2) the Company's credit ratings and its cost of capital; (3) competitive conditions and customer preferences; (4) foreign currency exchange rates and fluctuations in those rates; (5) the timing and market acceptance of new product offerings; (6) the availability and cost of purchased components, compounds, raw materials and energy (including oil and natural gas and their derivatives) due
to shortages, increased demand or supply interruptions (including those caused by natural and other disasters and other events); (7) the impact of acquisitions, strategic alliances, divestitures, and other unusual events resulting from portfolio management actions and other evolving
business strategies, and possible organizational restructuring; (8) generating fewer productivity improvements than estimated; (9) unanticipated problems or delays with the phased implementation of a global enterprise resource planning (ERP) system, or security breaches and other disruptions
to the Company's information technology infrastructure; (10)
financial market
risks that may affect the Company's funding obligations under defined benefit pension and postretirement plans; and (11) legal proceedings, including significant developments that could occur in the legal and regulatory proceedings described in the Company's Annual Report on Form 10 - K for the year ended Dec. 31, 2017, and any subsequent quarterly reports on Form 10 - Q (the «Reports»).
While the proposed rule encourages
financial institutions
to measure their
businesses based on the
risks they assume and use those measurements in their compensation, they should mandate it instead.
To keep our
business interests aligned, we assume equal
financial risk.
Business owners and self - employed professionals take calculated
risks in their
businesses, but they should not
risk their
financial security when it comes
to saving for retirement.
Risks and uncertainties include, among other things, the uncertainties inherent in research and development; the uncertainties inherent in business and financial planning, including, without limitation, risks related to Pfizer's business and prospects, adverse developments in Pfizer's markets, or adverse developments in the U.S. or global capital markets, credit markets or economies generally; and competitive developm
Risks and uncertainties include, among other things, the uncertainties inherent in research and development; the uncertainties inherent in
business and
financial planning, including, without limitation,
risks related to Pfizer's business and prospects, adverse developments in Pfizer's markets, or adverse developments in the U.S. or global capital markets, credit markets or economies generally; and competitive developm
risks related
to Pfizer's
business and prospects, adverse developments in Pfizer's markets, or adverse developments in the U.S. or global capital markets, credit markets or economies generally; and competitive developments.
Additional
risks and uncertainties not currently known
to us or those we currently deem
to be immaterial may also materially and adversely affect our
business,
financial condition or results of operations.
One way
to mitigate this
risk is
to focus on disproportionately collecting
businesses that have the
financial strength necessary
to survive even the darkest days of a period like 1929 - 1933 without having
to issue stock at severely depressed prices (which, from an economic perspective, amounts
to you, the old owner, having
to sell off your ownership in exchange for a bailout).
Policy makers should raise the statutory borrowing limit «well ahead of the deadline» in order
to «mitigate
risks of
financial market disruptions and a loss in consumer and
business confidence,» they warned.
Factors that could cause or contribute
to actual results differing from our forward - looking statements include
risks relating
to: failure of DBRS
to rate the Notes at the anticipated ratings levels, which is a closing condition, or at all; changes in the
financial markets, including changes in credit markets, interest rates, securitization markets generally and our proposed securitization in particular; the willingness of investors
to buy the Notes; adverse developments regarding OnDeck, its
business or the online or broader marketplace lending industry generally, any of which could impact what credit ratings, if any, are issued with respect
to the Notes; the extended settlement cycle for the scheduled closing on April 17, 2018, which may exacerbate the foregoing
risks; and other
risks, including those described in our Annual Report on Form 10 - K for the year ended December 31, 2017 and in other documents that we file with the Securities and Exchange Commission from time
to time which are or will be available on the Commission's website at www.sec.gov.
That gives today's investors even more reason
to believe it will be able
to continue
to reward its shareholders with cash for the
financial risks they take by owning the
business.
Similar
to D&B, Experian captures information about your
business» background, company
financial information, credit score and
risk factors, banking, trade, and collection history, liens judgments, bankruptcies, and your industry
to create a 100 - point ranking for your
business (but the data is weighted and scored differently than the PAYDEX score).
He put up huge buildings and casinos, borrowed
to do it, nearly wiped out, came back as a brand name that often needed bigger partners, was smacked by the
financial crisis when he tried
to again take massive
risks, and ended up with a profitable
business anyway.
«Negative publicity or public opinion resulting from these matters may increase the
risk of reputational harm
to our
business, which can impact our ability
to keep and attract customers, our ability
to attract and retain qualified team members, result in the loss of revenue, or have other material adverse effects on our results of operations and
financial condition.»
Such
risks and uncertainties include, but are not limited
to: our ability
to achieve our
financial, strategic and operational plans or initiatives; our ability
to predict and manage medical costs and price effectively and develop and maintain good relationships with physicians, hospitals and other health care providers; the impact of modifications
to our operations and processes; our ability
to identify potential strategic acquisitions or transactions and realize the expected benefits of such transactions, including with respect
to the Merger; the substantial level of government regulation over our
business and the potential effects of new laws or regulations or changes in existing laws or regulations; the outcome of litigation, regulatory audits, investigations, actions and / or guaranty fund assessments; uncertainties surrounding participation in government - sponsored programs such as Medicare; the effectiveness and security of our information technology and other
business systems; unfavorable industry, economic or political conditions, including foreign currency movements; acts of war, terrorism, natural disasters or pandemics; our ability
to obtain shareholder or regulatory approvals required for the Merger or the requirement
to accept conditions that could reduce the anticipated benefits of the Merger as a condition
to obtaining regulatory approvals; a longer time than anticipated
to consummate the proposed Merger; problems regarding the successful integration of the
businesses of Express Scripts and Cigna; unexpected costs regarding the proposed Merger; diversion of management's attention from ongoing
business operations and opportunities during the pendency of the Merger; potential litigation associated with the proposed Merger; the ability
to retain key personnel; the availability of financing, including relating
to the proposed Merger; effects on the
businesses as a result of uncertainty surrounding the proposed Merger; as well as more specific
risks and uncertainties discussed in our most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.cigna.com as well as on Express Scripts» most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.express-scripts.com.
The Maryland attorney general's office ordered Towson - based High Point Wealth Management
to halt a
business it runs from the former offices of a
financial management company that faced penalties last year for fraudulently misrepresenting investment
risks...
Those
financial institutions that managed this transition
to their
risk profile well are set
to handle the crises of the future, as their
risk and control infrastructure is better prepared
to keep pace with
business growth.
On October 27, 2017, Japan's
Financial Services Agency (FSA) issued a warning
to business operators and users about the
risks of token offerings.
For KOG, the capex planned appears
to be asymmetrical compared with its
financials increasing
business risk.
As an entrepreneur, you should be okay with losing some money, but you shouldn't
risk personal
financial ruin just
to guarantee a
business loan.
They underestimate how vulnerable they are
to security threats, leaving the
business open
to potential
financial, brand and customer trust
risks.
It is extremely important
to fully integrate PBM - generated and plan sponsor - generated data
to understand and influence standard and specialty drug spend, medical spend, compliance,
business needs, and
financial forecasting, and
to effectively manage administrative and medical
risk.
You should read the following summary together with the more detailed information appearing in this prospectus, including «Selected Consolidated
Financial Data,» «Management's Discussion and Analysis of Financial Condition and Results of Operations,» «Risk Factors,» «Business» and our consolidated financial statements and related notes before deciding whether to purchase shares of our capit
Financial Data,» «Management's Discussion and Analysis of
Financial Condition and Results of Operations,» «Risk Factors,» «Business» and our consolidated financial statements and related notes before deciding whether to purchase shares of our capit
Financial Condition and Results of Operations,» «
Risk Factors,» «
Business» and our consolidated
financial statements and related notes before deciding whether to purchase shares of our capit
financial statements and related notes before deciding whether
to purchase shares of our capital stock.
«Having architected a
financial risk model for PayPal's payments
business that helped catapult PayPal from a multi-million dollar enterprise
to a multi-billion dollar one, Bret has a proven track record as a key growth driver and strategist for fintech companies navigating new territory.
Our
business, operating results,
financial performance, or prospects could also be harmed by
risks and uncertainties not currently known
to us or that we currently do not believe are material.
After the
financial crisis, the Wall Street firm overhauled its
business practices in an effort
to avoid big reputational as well as
financial risks.
Given the absence of a public trading market of our common stock, and in accordance with the American Institute of Certified Public Accountants Accounting and Valuation Guide, Valuation of Privately - Held Company Equity Securities Issued as Compensation, our board of directors exercised reasonable judgment and considered numerous and subjective factors
to determine the best estimate of fair value of our common stock, including independent third - party valuations of our common stock; the prices at which we sold shares of our convertible preferred stock
to outside investors in arms - length transactions; the rights, preferences, and privileges of our convertible preferred stock relative
to those of our common stock; our operating results,
financial position, and capital resources; current
business conditions and projections; the lack of marketability of our common stock; the hiring of key personnel and the experience of our management; the introduction of new products; our stage of development and material
risks related
to our
business; the fact that the option grants involve illiquid securities in a private company; the likelihood of achieving a liquidity event, such as an initial public offering or a sale of our company given the prevailing market conditions and the nature and history of our
business; industry trends and competitive environment; trends in consumer spending, including consumer confidence; and overall economic indicators, including gross domestic product, employment, inflation and interest rates, and the general economic outlook.
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.
You should read the following summary together with the more detailed information appearing in this prospectus, including «
Risk Factors,» «Selected Consolidated
Financial Data,» «Management's Discussion and Analysis of Financial Condition and Results of Operations,» «Business» and our consolidated financial statements and related notes before deciding whether to purchase shares of our Class A comm
Financial Data,» «Management's Discussion and Analysis of
Financial Condition and Results of Operations,» «Business» and our consolidated financial statements and related notes before deciding whether to purchase shares of our Class A comm
Financial Condition and Results of Operations,» «
Business» and our consolidated
financial statements and related notes before deciding whether to purchase shares of our Class A comm
financial statements and related notes before deciding whether
to purchase shares of our Class A common stock.