Sentences with phrase «financial savings by»

Consumers who want to perform some of the steps involved in selling a home can reap significant financial savings by purchasing only those real estate brokerage services they actually want.

Early analysis by the World Bank Group shows that financial savings by countries working collectively through Article 6 can be 30 % lower than countries working on their own to meet their respective mitigation targets.

Your organisation will make significant financial savings by implementing recommendations from energy audits now (rather than waiting another 2y).

A modern approach to HR, such as that adopted at the David Young Community Academy in Leeds, can help raise attainment and deliver financial savings by paving the way for outstanding teaching and learning.

Although it may seem different at first, the message is that a more modern approach to HR can help raise attainment and deliver financial savings by paving the way for outstanding teaching and learning.

«The interventions have already begun to demonstrate financial savings by helping us better care for this vulnerable population,» says Dr. Weil.

«The MoD is in the difficult position of needing to maximise financial savings by cutting headcount before it has detailed plans for how it will operate in the future,» Amyas Morse, head of the National Audit Office, said.

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.

If you've already achieved some financial milestones by your 30s and earn a strong income, you may be tempted to build a moat around your savings and pare down your risk.

To minimize the impact of fees on your own savings, choose index funds and ETFs over actively managed funds; if you plan to hire a financial adviser, calculate whether you'll save money by paying an hourly fee rather than an annual percentage of your assets.

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.

He added that investors can keep more of their retirement savings by cutting investment costs, by reducing management fees or commissions charged by financial advisors.

But if working longer is out of the question, you can ease your transition by building at least a year's worth of living expenses in an emergency retirement savings fund, ideally in cash, says Celandra Deane - Bess, a wealth strategy director for PNC Financial Services Group.

More than a dozen financial institutions listed by Bankrate have savings and money market accounts with annual percentage yields of 1 percent or more.

The index gauges how Americans feel about their finances by tracking their job security, net worth, comfort levels with their savings and debt, and overall financial situation.

With PRPPs, employees may be automatically enrolled in the savings plan and assigned a default contribution rate by the financial institution administering the plan.

Now the program is a success, driven in part, by the provision of financial advice by the private sector that has encouraged savings and broadened access to long - term investment solutions.

They urge economies to submit to financial austerity by sanctifying debts rather than saving themselves and their labor force at the expense of debt and savings trends.

With today's crisis in retirement preparedness, delaying savings and retirement decisions does not move the ball forward for Americans; nor does it «empower Americans to make their own financial decisions,» a goal highlighted by the President.

«But more importantly, we aim to show the nation how a Midwest company — with a team not focused on a «quick exit,» but rather a laser focus on doing right by clients and building an enduring financial services brand — can move the needle on the retirement savings epidemic in this country.

Industry trade groups like the Investment Company Institute and the Securities Industry and Financial Markets Association have come out against state - run plans, arguing that they will spur a «confusing, state - by - state patchwork of savings programs» that could lack strict federal controls.

Developed by the Employee Benefit Research Institute (EBRI) and its American Savings Education Council (ASEC) program, Choose to Save ® utilizes the power of the media to promote the idea that saving today is vital to a secure financial future.

A recent survey of entrepreneurs by Guidant Financial revealed that over fifty percent used personal checking and savings accounts to fund their business.

Blockchain presents potential big savings for financial institutions and their consumers, by lowering transactions costs and speeding up transaction times.

The counterpart of that reduced multiplier is an increase in the Fed's overall command of the public's savings, for it's the public that ultimately supplies the funds that financial institutions in turn hand over to the Fed, by holding those institutions» IOUs.

By diversifying your savings beyond the options offered by your employer's 401 (k) plan, you can navigate the financial market and gain more control over how much you can contribute to an accounBy diversifying your savings beyond the options offered by your employer's 401 (k) plan, you can navigate the financial market and gain more control over how much you can contribute to an accounby your employer's 401 (k) plan, you can navigate the financial market and gain more control over how much you can contribute to an account.

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.

By using exact amounts rather than generalising and making broad estimations, you can save small amounts of money regularly and develop your financial savings over time.

Is the FIRE (Financial Independence Retire Early) community setting itself up for failure by making retirement conditional on having reached a certain savings target?

The savings of the European Union's 500 million citizens could be used to fund long - term investments to boost the economy and help plug the gap left by banks since the financial crisis.

Willfully blind workers and savers have been misled by dishonest projections from financial sales firms and academics that have collected fees and refused to address the underlying problem of savings deficits.

Apart from offering potential cost savings, the adoption of distributed ledger technology could start to threaten financial institutions by effectively removing the need for conventional, regulated payment systems.

Asia's sovereign bonds will likely be less endangered by rising interest rates and less vulnerable to Western policies of financial repression, which erode the purchasing power of their citizens» savings.

Millions of workers around the world could enter retirement with savings diminished by a fifth or more after getting into debt or financial difficulty, HSBC warned in a new report.

Secured credit cards provide consumers with an opportunity to improve their financial wellbeing by simultaneously accumulating savings and improving their credit score.

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.

Citing figures by the Financial Conduct Authority which show 40 per cent of UK adults have less than # 100 in savings, Just Finance says problems with managing finance are becoming «a mainstream issue».

Their time, efforts being inslaved by other powerful and rich ones to make them richer while they always remain in debt to the system and the rising cost of living, jobless above all being ripped from savings by fragile financial org's??

In addition, the company made savings of around AUS$ 39 million in this financial year, making it on track to realise AUS$ 100 million of savings by the 2020 financial year.

By centralizing its inbound logistics information in Crossbow, Ben E. Keith will see savings drivers and will be able to attach lane - level operational and financial targets to all improvement initiatives across its network.

This was, the company admitted below its expectations, but the financial impact was offset by foreign exchange translation benefits and cost savings.

However, the costs of breastfeeding are mostly borne by the mothers and those for breastfeeding training mostly by the individual health care workers or hospital, while the health insurance companies and society - at - large are profiting from the financial savings from exclusive and long - term breastfeeding.

Reusable menstrual products present an opportunity for real financial savings, as demonstrated by the table below.

The Wall Street Journal Financial Guidebook for New Parents shows you the way, with information on how to: safeguard your child's well - being with wills, trusts, and life insurance; best weigh your child - care options and decide whether to go back to work; save on taxes with child - friendly tax credits and deductions plus tax - advantaged benefits at work; manage your family's health - care costs; save for long - term costs by setting up a college fund; spend smart and save money at every stage of your child's development; continue to contribute to your own retirement savings

Inspired by the saving associations that emerged spontaneously in battalions as a response to soldiers» financial difficulties, the Ministry instituted a microfinance cooperative called Zigama Credit and Savings Society, or Zigama («savings» in KinyarwandSavings Society, or Zigama («savings» in Kinyarwandsavings» in Kinyarwanda) CSS.

Shadow pensions secretary Philip Hammond warned this was the «financial equivalent of kicking it into the long grass», and said it was the introduction of means - testing by Labour that had reduced people's savings and led to today's problems in the first place.

The Conservative - controlled north London council has committed to spending # 1.5 m this financial year on a much - hyped reform programme to help close a yawning budget gap, but it is on course to recoup just # 1.4 m in savings in the year.The programme is budgeted to deliver savings of # 13m a year by 2014, about a third of the total cuts planned by the council.

It had been projected to save # 3m by the end of the financial year, but Lynne Hillan, council leader, has now admitted the savings will be less than half of that.

«As the payment industry expands, efforts by fintechs should be directed at innovative financial products that provide efficiency gains and cost savings compared with the traditional payment methods.

The Council's Committee on Finance met for oversight on the de Blasio administration's November Financial Plan Update, which shows a projected increase in spending of $ 1.3 billion this fiscal year, as well as additional savings being set aside by the city.