Sentences with phrase «financial savings from»

Another criticism is that some no - fault jurisdictions have among the highest automobile - insurance premiums in the country, but this may be more a matter of effect than cause (e.g., the financial savings from no - fault may simply make it more popular in areas with higher automobile - collision risk, or high insurance rates may cause more drivers to go uninsured, increasing the attraction of a no - fault system).

In a recent article describing the financial savings from associate layoffs, the chair of one large firm explained that his firm is using associate layoffs as a business strategy for replicating the high annual attrition that his law firm had grown used to over the last few years: «We have an entire machine built around 25 % attrition... We have to engineer that just to stand still.

The application will save not - for - profit organisations time reading and understanding legal information, as well as helping to identify potential financial savings from not having to pay income tax.

As Dr Laura Janes, Legal Director at the Howard League for Penal Reform (and founder of YLAL) commented: «The financial savings from reforms to prison legal aid are tiny.

One example is when households use the financial savings from more efficient home heating equipment to heat their home to a greater extent.

Taken with preliminary reports from the Centers for Medicare and Medicaid Services that suggest some evidence of modest financial savings from the ACO program, the researchers said that their findings suggest that ACOs might be a viable way to realize benefits for patients while controlling spending.

For their analysis, the researchers used RETScreen, a free clean energy software package developed by the Canadian government, along with the typical energy considerations to determine the financial savings from the heating systems over the course of 22 years.

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.

Not exact matches

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.

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.

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.

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.

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.

To get there, Katharine Perry, an associate financial consultant at Fort Pitt Capital Group, in Pittsburgh, suggests putting $ 20 from every paycheck into a savings account.

To conduct this work, GAO analyzed household financial data, including retirement savings and income, from the Federal Reserve's 2013 Survey of Consumer Finances, reviewed academic studies of retirement savings adequacy, analyzed retirement - related questions from surveys, and interviewed retirement experts about retirement readiness.

The last part of phase 1 is important to clients due to financial savings, but this may also be helpful in obtaining support and potential endorsements from insurance companies.

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.

«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.

You may benefit from a Roth conversion if you expect to be in a higher tax bracket in retirement, already own taxable and tax - deferred savings accounts, or want to leave a financial legacy to future generations.

Plus, the company's offerings cover a wide range of financial services from a traditional savings account to a money market account to commercial real estate loans and business certificates of deposit.

Dime Community Bank offers a ton of different financial services from personal savings accounts to business loans.

I completely agree, making little (or big) life shifts that you can do over and over (auto - transfer from your paycheck to your savings account, eating home vs out, etc) can set up the building blocks for financial freedom.

Edelman Financial Services LLC: Investment Management Services FDIC: Savings - Related Resources FINRA: Types of Investments Investor Protection Trust: Empowering Investors to Build and Safeguard Their Futures myRA ®: A Starter Retirement Savings Option from the U.S. Department of the Treasury WISER: Saving & Investing

From investment guidance to education planning to retirement savings, a Financial Advisor has the knowledge, resources, and personal connection to design financial strategies justFinancial Advisor has the knowledge, resources, and personal connection to design financial strategies justfinancial strategies just for you.

AARP: Retirement Planning CFA Institute: Retirement Security Choose to Save: Ballpark E$ timate ® Edelman Financial Services LLC: Retirement & Estate Planning Financial Mentor ®: Retirement Calculators How to Save Money for Retirement (retirement savings guide) IRS: Adding Automatic Enrollment to Section 401 (k) Plans — Sample Amendments IRS: Changes in Your Life May Affect Retirement Planning IRS: Help with Choosing a Retirement Plan NEFE Financial Workshop Kits Retirement Series Preparing for Retirement from DOL Save it Like You Mean It: The (Non-Scary) Guide to Retirement Planning Saving Matters from DOL U.S. Department of Labor: Taking the Mystery Out of Retirement Planning WISER: What Women Need to Know About Retirement

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.

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.

This financial planning strategy suggests you make a withdrawal of 4 percent from your retirement savings during the first year of your retirement.

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.

The firm's 12,000 financial advisors work directly with nearly 7 million clients to understand their personal goals - from college savings to retirement - and create long - term investment solutions that emphasize a well - balanced portfolio and a buy - and - hold strategy.

The firm's 13,000 - plus financial advisors work directly with nearly 7 million clients to understand their personal goals — from college savings to retirement — and create long - term investment solutions that emphasize a well - balanced portfolio, diversified portfolio.

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.

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.

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..

The evidence from other countries is that fintech can enable higher savings for low - income individuals, access to capital for cash - starved small businesses, and better access to all financial services for underserved segments of the population.

You can pick what to put in that basket from a bevy of financial instruments — exchange traded funds, guaranteed investment certificates, stocks, bonds and yes, actual savings accounts.

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??

We have all heard the rhetoric from a whole host of financial advisors, best - selling authors and TV show hosts all saying the same things: Get out of debt, build a savings account, invest for the long run.

On the other hand, the health insurance companies and society - at - large profit from the financial savings of exclusive and long - term breastfeeding.

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.

For Tomasi economic liberties appear to include a right to hold productive property; a right to engage in commercial contracts in one's interest, including a right to sell one's own labor on one's own terms; a right to make one's own decisions about savings and long - term financial planning; and, in general, a right to benefit from one's own economic activity.

Specifically, he said he has included in his budget, the power for county executives to ask for financial plans from municipalities to find financial savings.

The need for savings in the first place was derived from the global financial crisis, but also from the Ministry of Defence's significant historical overspend of its procurement budget.

«As I researched the idea of promoting savings in our sector, the idea of credit union came into mind and I said that's it because it dawned on me that majority of the people don't have savings accounts, insurance cover or even pension schemes and since I became the Chairman of GHAMRO I really felt the pinch because every now and then I get calls from members asking for advance payment of their royalty to either pay school fees, settle medical bills or to even solve other financial problems then I've realized that this vacuum has to be filled because GHAMRO doesn't have a policy to pay this type of monies».

Overall savings of # 40m in the last financial year mean the cost of a standard passport can be cut from # 77.50 to # 72.50 from the autumn, Immigration Minister Damian Green said.

And central government could offer up some of the savings from the taxpayer to be used as a financial incentive to make it happen.

Carl H. McCall will chair a commission composed of experts from the financial services industry, consumer advocates, public officials and State regulators to study available options for the creation of a state - administered retirement savings program for workers whose employers do not offer a retirement plan.