Sentences with phrase «financial savings of»

September 2015 — The Financial Savings of Collaborative Divorce Compared to Courtroom Divorce Money Talk 1010 AM — St. Petersburg, FL

The true financial savings of your solar design can be understood with the LCOE.

This is the point in time at which the financial savings of your refinance begin to outweigh the cost.

You will not be able to do that if you plan on selling your home before you can realize the financial savings of a refinance.

John and Mary thought that financial savings of $ 400,000 would be enough, and secretly hoped they might be even able to retire a bit early.

As well as halving power consumption, the project resulted in initial savings of 11.5 tonnes of carbon per year and financial savings of # 13,500 per year are expected.

The estimated financial savings of a proposed city charter change in Saratoga Springs have been disputed between supporters and opponents.

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

There's a good argument that he's overpaid, but the financial savings of cutting / trading him is small, and there's no one on the team who can replace him.

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.

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.

Many of us have some type of medical policy because if a major accident or illness occurs, the financial cost of a large number of doctor visits or surgeries in a hospital quickly overwhelms our savings.

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.

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.

«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.

Second, the major banks are sitting on a large pile of deposits, so they have little incentive to boost rates to attract more savings, said Greg McBride, chief financial analyst at Bankrate.com.

He also noted that EasyJet had achieved # 28 million ($ 39 million) in «lean savings» during the first quarter of this financial year.

The stock market meltdown that accompanied the financial crisis of 2008 - 2009 took a big bite out of Americans» retirement savings, forcing some to delay their retirement dreams.

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.

The average Canadian senior's shaky financial status is another key factor: many have high levels of debt without the savings or pensions they need to maintain adequate lifestyles.

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.

But millions of Americans also work with financial advisers and stockbrokers on retirement savings, and there is a big difference between the two that retirement savers should know about.

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.

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.

This is a direct strategic and financial benefit to Method, but there are also cost savings to society in the reduction in the billions of tons of plastic flowing into our landfills and oceans each year.

Alternatively, financial apps like Stash and Acorns help automatically invest money, while Digit moves small amounts of money to savings when you can afford it.

The second half will see the company reinvest a higher proportion of savings into its business in addition to increased costs related to its turnaround program, Chief Financial Officer Heine Dalsgaard said on a call with analysts.

«The average American has less than $ 5,000 in a financial account, a quarter to a fifth of what you should have, and those aged 55 to 64 who have retirement savings only carry $ 120,000 — which won't last long in the absence of paychecks,» the survey reports.

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?

That's according to financial website Nerd Wallet, which conducted a survey of more than 2,000 U.S. adults aged 18 and older, of whom 1,112 are parents, to find out about their retirement savings habits.

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.

«There are people who can't do anything else, whose savings haven't been such that they can wait,» said certified financial planner David Mendels, director of planning at Creative Financial financial planner David Mendels, director of planning at Creative Financial Financial Concepts.

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.»

While there are programs like Social Security to help ease the financial burden, most workers have to depend on savings, 401k's and the dwindling number of pension plans that some companies offer, to see them through their after - work years.

Furthermore, the savings in the 401 (k) are bulletproof in the sense that if MDY ever runs into financial trouble, your savings there will not be considered an asset of the company.

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.

¦ The Wagadarikars should have a financial plan prepared that projects their lifestyle needs, their savings and the value of all their assets.

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.

It has created a simple online tool that allows distilleries to calculate the financial and time - savings of using a continuous still.

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.

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

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.

During the past year, households have taken 6 percent of their after - tax income to either set aside in savings vehicles, purchase financial assets, or pay down debt.

Many of us work with financial advisors and stockbrokers on retirement savings, and there is a big difference between the two that retirement savers should know about.

I just have to assume that high - savings families with access to good financial advice don't willingly subject the bulk of their savings to high rates of taxation when the TFSA room becomes available.

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.