Sentences with phrase «financial savings as»

In a world of rising healthcare costs (and health insurance premiums), a reprieve from ailments translates into not only less time in hospitals, but big financial savings as well.

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.

The problem, according to the plan's critics, is that financial entities such as private - equity, venture capital and hedge funds are all partnerships whose wealthy partners would see substantial tax savings on large portions of their income unless congressional tax writers find a way to exclude them.

Their website and mobile app, Breaux Capital, offers a free automated savings platform and social network, charging an onboarding and annual subscription fee of between $ 9 and $ 19 to users who want access to more features, such as financial education materials.

As a result, since 1990, only about 1 million HECMs have been issued, according to the Department of Housing and Urban Development, with almost half of those originating between 2007 and 2011, when the financial crisis hammered Americans» retirement savings.

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.

Obviously this can hurt your retirement savings, as most financial experts recommend gradually increasing your savings rate the closer you get to retirement.

But as Tony Robbins writes in Money: Master the Game, it's also important to make sure your venture doesn't consume all financial resources available — or prevent you from growing your life - savings.

We improved accessibility through the Enabling Accessibility Fund, provided new investments for people with disabilities to join and contribute to the workforce, and helped improve access to financial independence through programs such as the Registered Disabilities Savings Plan (RDSP).

Truck operators also have a big financial incentive to adopt the technology, as it would bring savings in wages and fuel.

As the rule's new effective date approaches, will he protect the retirement savings of working people — carpenters and coal miners, teachers and technicians, firefighters and farmers — or allow a portion of the financial sector to continue to keep their clients in the dark about whose interests come first?

Millennials should look into personal financial management apps such as Digit and Acorns among others, that provide users with real time insight into their spending habits and make it easier to allocate money to their retirement savings with a few taps on their phones.

Two Bureau of Labor Satistics surveys indicate that small companies are failing to provide competitive benefits, particularly in such important financial areas as retirement savings and medical insurance.

As millions of baby boomers flip the switch from gainfully employed to living off their savings, the financial decisions they face are countless and complex.

Pollack works hard to not bring politics into his financial advice but as soon as you get into tax - advantaged savings plans, you're getting into politics.

While many Americans will be working toward saving money as their primary financial resolution for the new year, some already have a good head start on their savings.

Mint is a free service for aggregating all of your financial accounts, such as checking and savings accounts, investment accounts, credit cards, and loans to provide you with a birds eye view of your finances all in one place.

For the most part, my friends also understand the value of saving and investing, as we every once in a while compare debit card savings perks when we split the bill at brunch or compare notes on the latest financial software.

However, in comparison to households that only hold owner - occupier debt, there is evidence that investors tend to accumulate higher savings in the form of other assets (such as paying ahead of schedule on a loan for their own home, as well as accumulating equities, bank accounts and other financial instruments).

Planning for the future — but still not confident Despite using various financial tools for retirement savings such as RRSPs (45 per cent), cash savings (43 per cent), or TFSAs (39 per cent), 45 per cent of Canadians are still not confident that they will have enough money in retirement to afford the lifestyle they want.

«There is a risk of a temporary soft patch for the economy as it is somewhat surprising the consumer has stopped spending their savings from gasoline prices,» said Chris Rupkey, chief financial economist at MUFG Union Bank in New York.

Financial and retirement products and services for individuals, including IRAs, annuities, college savings, managed accounts, and brokerage and cash management as well as workplace savings business for tax - exempt organizations.

With assets under administration of $ 6.9 trillion, including managed assets of $ 2.5 trillion as of March 31, 2018, we focus on meeting the unique needs of a diverse set of customers: helping more than 27 million people invest their own life savings, 23,000 businesses manage employee benefit programs, as well as providing more than 12,500 financial advisory firms with investment and technology solutions to invest their own clients» money.

Enjoy top financial bloggers and videos as PNC Achievement Sessions brings you the scoop on savings.

With assets under administration of $ 6.9 trillion, including managed assets of $ 2.5 trillion as of February 28, 2018, we focus on meeting the unique needs of a diverse set of customers: helping more than 27 million people invest their own life savings, 23,000 businesses manage employee benefit programs, as well as providing more than 12,500 financial advisory firms with investment and technology solutions to invest their own clients» money.

«We have a clear set of actions underway to improve profitability through a combination of comp and beverage growth and savings across (cost of goods sold), waste and labor as we move through the back half of the year,» Chief Financial Officer Scott Maw said in a statement.

When they are marketing their services to the investing public and enticing clients into handing over their hard - earned savings, these sales - based financial professionals present themselves as «trusted advisors» whose only concern is their clients» best interest.

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.

From there, 20 percent should go towards a strong financial foundation such as retirement contributions, savings, and debt payments, and 30 percent should go to lifestyle needs.

The half of adult kids that do question Mom and Dad's financial prowess cite woeful retirement savings and inefficient use of savings options as their biggest concerns, according to the Fidelity survey, which polled households with at least $ 100,000 in savings.

As more small - business borrowers joined the formal economy, they began using other banking services such as checking and savings accounts, mortgages and other financial productAs more small - business borrowers joined the formal economy, they began using other banking services such as checking and savings accounts, mortgages and other financial productas checking and savings accounts, mortgages and other financial products.

The once - booming controversial financial sector, which has on many occasions caught the ire of regulators, appears to be showing distinct signs of faltering as evidence mounts of investors withdrawing from those savings products that once helped to bolster the shadow - banking sector to unprecedented, dangerous levels of leverage.

As we discussed in the personal financial column last Friday, investing one's life savings in a concentrated position is the perfect recipe for disaster.

If you fall into one of these categories, using direct deposit into a savings account as part of your financial strategy may be a good idea.

With retirement savings taking a back seat to more immediate financial concerns, and the percentage of workers confident that they'll have enough money for a comfortable retirement at low levels, it's more important than ever for plan sponsors to consider retirement readiness as a key — if not the key issue — their employees are facing.

Since 1990, FAME has provided financial education and outreach, as well as grant, scholarship, loan, loan guarantee, loan forgiveness and college savings programs.

Most financial professionals suggest that most individuals can benefit from tax - advantaged vehicles such as workplace savings plans and HSAs.

Individuals who may be taking on personal liability because of their affiliation to another related business should consider restructuring their business as an LLC to shield themselves from financial losses to their personal savings.

If someone as well balanced and educated as my friend gets stuck, then how many others have difficulty with everyday financial challenges — be it pensions, investments, or savings?

As long as you understand the limitations of a savings account and CD, you may find these products are key to helping you achieve your financial goalAs long as you understand the limitations of a savings account and CD, you may find these products are key to helping you achieve your financial goalas you understand the limitations of a savings account and CD, you may find these products are key to helping you achieve your financial goals.

Yu'e Bao created an immediate stir in the financial community with its Zeng Libao money market fund, which offered significantly higher returns than those available through ordinary bank savings accounts without restrictions such as minimum account balances.

Savings Rate — The Most Important Variable to Wealth Building [and the math to prove it]-- When it comes to wealth building there are many variables to consider, but as I have stated in my monthly financial reports many times, it's the savings rate that doesn't get the attention it deSavings Rate — The Most Important Variable to Wealth Building [and the math to prove it]-- When it comes to wealth building there are many variables to consider, but as I have stated in my monthly financial reports many times, it's the savings rate that doesn't get the attention it desavings rate that doesn't get the attention it deserves.

As long as you (as the parent) are the account owner and your child is a dependent, the savings in a 529 will have a much lower impact on financial aid for higher education than a different type of account opened in your child's namAs long as you (as the parent) are the account owner and your child is a dependent, the savings in a 529 will have a much lower impact on financial aid for higher education than a different type of account opened in your child's namas you (as the parent) are the account owner and your child is a dependent, the savings in a 529 will have a much lower impact on financial aid for higher education than a different type of account opened in your child's namas the parent) are the account owner and your child is a dependent, the savings in a 529 will have a much lower impact on financial aid for higher education than a different type of account opened in your child's name.

And, as the fee - only financial planner in my community, I've been getting the following question a lot: How do I set up a 529 college savings account?

Your budget can be as simple as dividing up your expenses into three categories using the 50/30/20 rule: needs, wants, and financial obligations (e.g. savings and debt payoff).

Comparison based on Alliant Credit Union 1.50 % APY as of 05/01/2018 vs. the bank national average savings rate of.08 % APY as of 2018-05-01 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp..

Think of your savings as part of your overall financial plan.

Considering the many responsibilities competing for savings, it's never too early to include college savings as part of a financial plan.

For lenders, such as banks and credit unions, cost of funds is determined by the interest rate paid to depositors on financial products, including savings accounts and time deposits.

The wages of this national sin are beginning to show up as the colossal national debt, the huge financial deficits of savings and loans associations, high unemployment and escalating numbers of homeless and hungry citizens.