The adoption of cryptocurrencies may offer
financial savings for international transaction fees and will add transparency to the organization's work.
«By embedding Relativity throughout our processes and changing the way we deploy our team, we've been able to provide more efficient and reliable e-disclosure services and significant
financial savings for our clients.»
For a number of the offers, Sony is providing a small further
financial savings for PS Plus members.
This plan will also mean real
financial savings for local education budgets, funds that can now be put into improving the quality of our schools.
We know it is tempting in tough economic times to focus on
the financial savings for schools that extending great teachers» reach produces.
The researchers believe that introducing the Belgian policy may result in
financial savings for governments through the reduction in multiple pregnancy rates.
Patients with hematuria (blood in the urine) could be tested by UroSEEK and cytology before a cystoscopy procedure, potentially resulting in considerable
financial savings for those who did not test positive.
Of course the irony is that the very mothers who could benefit most from breastfeeding — through nutritional gains for their children and
financial savings for themselves — have not nursed in nearly the numbers as women who can afford health care and a good diet.
Not exact matches
This pattern runs counter to the
savings goals many
financial advisors set
for their clients.
According to the Wells Fargo / Gallup study, women business owners said their top three sources of initial funding
for their business are cash or
savings (85 percent), personal credit cards (37 percent) and
financial gifts or support from family or friends (29 percent).
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.
With 22 percent of boomers having less than $ 100,000 of retirement
savings, many will opening their own business
for financial security and a purposeful later stage of life.
Offers an automated
savings platform and social network
for African American Millennials, charging users a subscription fee to extra features, including
financial education materials.
«When you need
financial advice, they can be a tremendous help — it's just a matter of finding the best one
for your situation (and being able to spot the Bernie Madoffs of the world before you hand over your life
savings).»
Yes, there are good reasons why some startups should put working day - to - day on growing their business aside and spend the time instead looking
for outside investment, including: gaining the
financial and other operational resources they need to move forward; to increase their
financial stability, focus (plus peace of mind) in the short - term if they've been growing on revenue, founders»
savings and credit cards; and to quickly accelerate their growth in order to capture a massive market.
The group has yet to try and quantify the time and
financial savings they've generated
for the companies they've assisted, but they are already hearing plenty of anecdotes.
Amy Hubble, a certified
financial planner, said HSAs can be a powerful retirement -
savings vehicle
for younger people and those without children, who typically don't have big medical expenses and are able to let their balances compound over long periods.
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.
For the past several years, the fund has produced double - digit returns, a far better performance than any
savings account, which is why you need to allocate even limited
financial resources across different
savings and investment vehicles.
While «opting in» requires making a choice that will put more of the responsibility
for long - term
savings on the members» shoulders, «it starts to cause them to learn how to contribute to their future, their own retirement,» said John Bird, senior vice president of military affairs at USAA, a
financial services firm that works with about 12 million current and former members of the U.S. military and their families.
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).
With more retirees around the world responsible
for their own
financial security, the countries that ranked the best had policies in place to ensure access to individual or work - based
savings programs, according to David Goodsell, who directs investor research
for Natixis.
Fredrick Petrie, author of «The End of Work:
Financial Planning
for People With Better Things To Do,» recommends «taxing» yourself in order to get more money out of your wallet and into the bank — this way you'll make
savings a priority from the get - go, rather than budgeting everything else first and then seeing what is left over
for savings.
One of our respondents expressed this frustration: «Although we are squeaky clean in terms of
financials (no liabilities, etc.), and have been in business
for five years, we can not find banks to lend to us without giving up our firstborn, so I am using my
savings to finance the business.»
This
financial services company offers a retirement
savings plan that matches dollar
for dollar up to 8 percent per paycheck.
Financial planner Casey Weade said he and his wife maintain joint
savings accounts
for big budget goals like vacations, which they both contribute to equally each month.
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.
He and his cohead, Eric Lane, were behind Goldman's March 2016 acquisition of Honest Dollar, the
financial - technology company that helps small businesses establish retirement
savings accounts
for employees.
Financial planning: Wealthfront's Path tool (
for mobile and desktop) helps people plan
for buying a house, retirement, college and general
savings goals.
Investing is an important building block
for a sound
financial future — and it can help you get higher returns on your money than you'd get from a
savings account or certificate of deposit.
If you are seeking the services of a
financial advisor, you want the best information to help you achieve your
financial goals — be it budgeting in retirement,
savings for a child or grandchild's education, or selling your business.
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.
Taking a smaller annual income is beneficial in qualifying
for loan forgiveness, but it may lead to challenges in setting aside
savings for long - term
financial goals.
However, ask the Chief
Financial Officer in any department / agency and they will tell you that they are always looking
for administrative
savings to reallocate to meet other priorities, such that additional
savings will be difficult to achieve.
«The best place
for money you need in a moment's notice is an online
savings account,» says Greg McBride, chief
financial analyst at Bankrate.
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.
1 FFIEC form 031
for domestic banks, FFIEC form 002
for U.S. branches and agencies of foreign banks, Thrift
Financial Report
for savings associations.
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).
For your free
financial consultation with a Personal Capital advisor, all you have to do is sign up, link at least $ 100,000 in investable assets (
savings, checking, brokerage account, rollover IRA, etc) and schedule an appointment when prompted.
Financial institutions often require you to maintain a checking or
savings account to qualify
for a line of credit.
The «search
for yield», i.e.
for better return on
financial investments than the declining interest rate, thus led to the series of bubbles & bursts: deregulated
savings & loans (immediately), high - tech stocks (late 90's), mortgage derivatives — > house prices (2000's).
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.
For more information on any of the Section 529 college
savings plans we distribute («529 Plan (s)»), contact your registered representative (
financial advisor) or download a disclosure document, which contains important information about the plan's investment options, sales charges, expenses and risks.
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.
Maybe you're waiting
for a higher - paying job, attractive returns on stock investments, or a
financial miracle before you start building up that retirement
savings account.
It makes it now possible
for people to improve their health while experiencing
financial savings.
Combining your
savings at one
financial provider is a good opportunity to make sure you have an appropriate asset mix — one that will balance your need
for stability with continued account growth that will carry you through retirement.
«
For many people, the investment component may be more important than any state tax savings,» says Nelligan, who recommends working with a financial advisor to weigh the tax benefits of staying in - state and shopping around for suitable alternativ
For many people, the investment component may be more important than any state tax
savings,» says Nelligan, who recommends working with a
financial advisor to weigh the tax benefits of staying in - state and shopping around
for suitable alternativ
for suitable alternatives.
«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.