It also provides the option to withdraw a part of your corpus as a lump sum and invest the rest
in other financial products.
You not only protect your family for hundreds of thousands of dollar but also have extra money to invest
in other financial products to help build up your investment and retirement portfolio.
If you need flexibility, think about investing
in other financial products that allow you access to your money without heavy fees or penalties.
If you don't understand or feel comfortable with these features, consider investing
in other financial products.
If you need flexibility, think about investing
in other financial products that allow you to withdraw your money.
If you need flexibility, think about investing
in other financial products (or listed infrastructure entities) that allow you to withdraw your money without heavy penalties or significant delays.
You can buy a term plan and invest
in other financial products based on your financial goals.
Life insurance policies offer a unique combination of death benefits and tax advantages available
in no other financial product.
But you may not have to pay any income tax on this option where if you could have invested this money
in other financial product, your income would attract income tax as per the current income tax slab in India.
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.
These risks and uncertainties include, among
others: the unfavorable outcome of litigation, including so - called «Paragraph IV» litigation and
other patent litigation, related to any of our
products or
products using our proprietary technologies, which may lead to competition from generic drug manufacturers; data from clinical trials may be interpreted by the FDA
in different ways than we interpret it; the FDA may not agree with our regulatory approval strategies or components of our filings for our
products, including our clinical trial designs, conduct and methodologies and, for ALKS 5461, evidence of efficacy and adequacy of bridging to buprenorphine; clinical development activities may not be completed on time or at all; the results of our clinical development activities may not be positive, or predictive of real - world results or of results
in subsequent clinical trials; regulatory submissions may not occur or be submitted
in a timely manner; the company and its licensees may not be able to continue to successfully commercialize their
products; there may be a reduction
in payment rate or reimbursement for the company's
products or an increase
in the company's
financial obligations to governmental payers; the FDA or regulatory authorities outside the U.S. may make adverse decisions regarding the company's
products; the company's
products may prove difficult to manufacture, be precluded from commercialization by the proprietary rights of third parties, or have unintended side effects, adverse reactions or incidents of misuse; and those risks and uncertainties described under the heading «Risk Factors»
in the company's most recent Annual Report on Form 10 - K and
in subsequent filings made by the company with the U.S. Securities and Exchange Commission («SEC»), which are available on the SEC's website at www.sec.gov.
In a report released last month, GAO concluded that the offers it received «did not compare favorably with
other financial products or offerings, such as loans and lump - sum options through pension plans.»
They get rewarded
in many
other ways than pure
financial returns — including creating stronger suppliers, putting control levers
in their industry, testing
products, de-risking innovation, and engineering less expensive acquisitions.
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 critics
in the
financial services industry say the rule would limit the ability of advisers to service clients who can not afford to pay for
financial advice and must use
products that carry commissions or
other indirect costs.
The Healthcare Reform Law, including The Patient Protection and Affordable Care Act and The Healthcare and Education Reconciliation Act of 2010, could have a material adverse effect on Humana's results of operations, including restricting revenue, enrollment and premium growth
in certain
products and market segments, restricting the company's ability to expand into new markets, increasing the company's medical and operating costs by, among
other things, requiring a minimum benefit ratio on insured
products, lowering the company's Medicare payment rates and increasing the company's expenses associated with a non-deductible health insurance industry fee and
other assessments; the company's
financial position, including the company's ability to maintain the value of its goodwill; and the company's cash flows.
The value of the Internet economy may be understated
in GDP calculations, for example, but the omission is offset by artificial inflations
in other sectors like
financial services, which ballooned
in the run - up to 2008 thanks to risky, unsustainable
products like mortgage - backed securities.
Important factors that could cause our actual results and
financial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our ability to successfully and profitably market our products and services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on For
financial condition to differ materially from those indicated
in the forward - looking statements include, among
others, the following: our ability to successfully and profitably market our
products and services; the acceptance of our
products and services by patients and healthcare providers; our ability to meet demand for our
products and services; the willingness of health insurance companies and
other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from
other cancer screening and diagnostic
products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes
in pricing, coverage and reimbursement for our
products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our
products and services; our ability to successfully develop new
products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the
other risks and uncertainties described
in the Risk Factors and
in Management's Discussion and Analysis of
Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on For
Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form 10 - Q.
It further charges that «Freddie Mac suffered damages from the artificial suppression of LIBOR
in the form of, among
other things, lower interest payments on
financial products that incorporate LIBOR.»
Student loan refinancing remains a big business for the company, which claims 300,000 customers and $ 20 billion
in loans extended; but SoFi also has expanded gradually into
other types of
financial products, including personal loans, mortgages, wealth - management
products, and insurance.
Among the factors that could cause actual results to differ materially are the following: (1) worldwide economic, political, and capital markets conditions and
other factors beyond the Company's control, including natural and
other disasters or climate change affecting the operations of the Company or its customers and suppliers; (2) the Company's credit ratings and its cost of capital; (3) competitive conditions and customer preferences; (4) foreign currency exchange rates and fluctuations
in those rates; (5) the timing and market acceptance of new
product offerings; (6) the availability and cost of purchased components, compounds, raw materials and energy (including oil and natural gas and their derivatives) due to shortages, increased demand or supply interruptions (including those caused by natural and
other disasters and
other events); (7) the impact of acquisitions, strategic alliances, divestitures, and
other unusual events resulting from portfolio management actions and
other evolving business strategies, and possible organizational restructuring; (8) generating fewer productivity improvements than estimated; (9) unanticipated problems or delays with the phased implementation of a global enterprise resource planning (ERP) system, or security breaches and
other disruptions to the Company's information technology infrastructure; (10)
financial market risks that may affect the Company's funding obligations under defined benefit pension and postretirement plans; and (11) legal proceedings, including significant developments that could occur
in the legal and regulatory proceedings described
in the Company's Annual Report on Form 10 - K for the year ended Dec. 31, 2017, and any subsequent quarterly reports on Form 10 - Q (the «Reports»).
LeapFrog's first fund of $ 135 million made equity investments of between $ 5 million and $ 15 million
in eight companies
in Africa and Asia offering insurance and
other financial products to individuals living on less than $ 10 per day.
These risks and uncertainties include: Gilead's ability to achieve its anticipated full year 2018
financial results; Gilead's ability to sustain growth
in revenues for its antiviral and
other programs; the risk that private and public payers may be reluctant to provide, or continue to provide, coverage or reimbursement for new
products, including Vosevi, Yescarta, Epclusa, Harvoni, Genvoya, Odefsey, Descovy, Biktarvy and Vemlidy ®; austerity measures
in European countries that may increase the amount of discount required on Gilead's
products; an increase
in discounts, chargebacks and rebates due to ongoing contracts and future negotiations with commercial and government payers; a larger than anticipated shift
in payer mix to more highly discounted payer segments and geographic regions and decreases
in treatment duration; availability of funding for state AIDS Drug Assistance Programs (ADAPs); continued fluctuations
in ADAP purchases driven by federal and state grant cycles which may not mirror patient demand and may cause fluctuations
in Gilead's earnings; market share and price erosion caused by the introduction of generic versions of Viread and Truvada, an uncertain global macroeconomic environment; and potential amendments to the Affordable Care Act or
other government action that could have the effect of lowering prices or reducing the number of insured patients; the possibility of unfavorable results from clinical trials involving investigational compounds; Gilead's ability to initiate clinical trials
in its currently anticipated timeframes; the levels of inventory held by wholesalers and retailers which may cause fluctuations
in Gilead's earnings; Kite's ability to develop and commercialize cell therapies utilizing the zinc finger nuclease technology platform and realize the benefits of the Sangamo partnership; Gilead's ability to submit new drug applications for new
product candidates
in the timelines currently anticipated; Gilead's ability to receive regulatory approvals
in a timely manner or at all, for new and current
products, including Biktarvy; Gilead's ability to successfully commercialize its
products, including Biktarvy; the risk that physicians and patients may not see advantages of these
products over
other therapies and may therefore be reluctant to prescribe the
products; Gilead's ability to successfully develop its hematology / oncology and inflammation / respiratory programs; safety and efficacy data from clinical studies may not warrant further development of Gilead's
product candidates, including GS - 9620 and Yescarta
in combination with Pfizer's utomilumab; Gilead's ability to pay dividends or complete its share repurchase program due to changes
in its stock price, corporate or
other market conditions; fluctuations
in the foreign exchange rate of the U.S. dollar that may cause an unfavorable foreign currency exchange impact on Gilead's future revenues and pre-tax earnings; and
other risks identified from time to time
in Gilead's reports filed with the U.S. Securities and Exchange Commission (the SEC).
Apple Watch accounted for «well over» 100 percent of the sequential growth of «
other products» and more than offset decline
in iPods and accessories, Luca Maestri, Apple's chief
financial officer, said during a call with analysts.
Their costs have gone up, and they have fewer choices, more hassles and less access to credit,» Hensarling declared
in introducing his legislation
in April, decrying new regulations on credit cards, mortgages and
other financial products.
Among the biggest issuers of wealth management
products are hundreds of banks and
other financial institutions
in poor, inland provinces.
Partly
in response to that, real estate developers and
others who needed to borrow large amounts of money began turning to insurers, which rapidly expanded their
financial activities and raised the money to do so by selling a wide array of often speculative investment
products.
These statements may involve a number of risks, uncertainties and
other factors that could cause actual results to differ materially, including the performance of
financial markets, the investment performance of NexPoint Advisors, L.P.'s or Highland Capital Management L.P.'s sponsored investment
products, general economic conditions, future acquisitions, competitive conditions and government regulations, including changes
in tax laws.
Bias sometimes occurs when a broker gives
financial advice that benefits the broker — such as
in the form of a commission for selling specific mutual funds and
other products.
While the Committee believes that
financial performance should be the most significant driver of compensation,
other factors that drive long - term value for stockholders are also taken into account by the Committee, including improvements
in market share, successful
product launches, achievement of strategic objectives and customer satisfaction.
I've written copy
in computers, chemicals, pulp and paper, mining, construction, electronics, engineering, pollution control, medical equipment, industrial equipment, marine
products, software, banking,
financial services, health care, publishing, seminars, training, telecommunications, consulting, corporate, e-commerce, membership sites, online information marketing, and many
other areas.
A move by British regulators to ban
financial advisers from accepting commissions for selling mutual funds and
other products after 2012 is likely to cause lot of soul searching elsewhere, including
in Canada.
Customers educated
in other sectors seek out a choice of best -
in - class
financial products independent of
product provider.
Big broker - dealers will seek to serve small balances
in individual retirement accounts on a flat - fee and fiduciary basis using developing technology, the report predicts, while insurance companies will have to lower variable annuity expenses and commissions to be
in line with
other financial products.
We have seen
in our own case how liberalisation of
financial markets has led to pressures to liberalise
product markets (through ongoing tariff reductions and
other forms), to bring more competition
in the provision of infrastructures (such as transport, communications and power generation), and to free up the labour market (through, for example, enterprise - based wage bargaining).
«The issue of cross-border
financial activity, or cross-border activity, is a very real and live one and IOSCO and
other international forums is absolutely crucial to try and resolve it, and it's not just
in relation to short - selling activity, it's
in relation to cyber activity, it's
in relation to offering
financial products.
In Colombia, the offer of each Fund is addressed to less than one hundred specifically identified investors, and such Fund may not be promoted or marketed in Colombia or to Colombian residents unless such promotion and marketing is made in compliance with Decree 2555 of 2010 and other applicable rules and regulations related to the promotion of foreign financial and / or securities related products or services in Colombi
In Colombia, the offer of each Fund is addressed to less than one hundred specifically identified investors, and such Fund may not be promoted or marketed
in Colombia or to Colombian residents unless such promotion and marketing is made in compliance with Decree 2555 of 2010 and other applicable rules and regulations related to the promotion of foreign financial and / or securities related products or services in Colombi
in Colombia or to Colombian residents unless such promotion and marketing is made
in compliance with Decree 2555 of 2010 and other applicable rules and regulations related to the promotion of foreign financial and / or securities related products or services in Colombi
in compliance with Decree 2555 of 2010 and
other applicable rules and regulations related to the promotion of foreign
financial and / or securities related
products or services
in Colombi
in Colombia.
At Bear, Stearns & Co., Mr. Abbott served as a Vice President
in Financial Analytics & Structured Transactions (F.A.S.T) where he structured and reverse engineered complex CDO transactions, secured by a wide range of debt
products, including high yield bonds, senior secured leverage loans, trust preferred bank loans, RMBS as well as
other esoteric receivables.
Joseph P. Borg, president of NASAA and director of the Alabama Securities Commission, further stated, «Investors should go beyond the headlines and hype to understand the risks associated with investments
in cryptocurrencies, as well as cryptocurrency futures contracts and
other financial products where these virtual currencies are linked
in some way to the underlying investment.»
He added, «We are striving to advance our
product by partnering with Samsung SDS, CISCO and
others to apply blockchain to a wide range of industries
in the future, beyond existing uses such as bonds, promissory notes and points within the
financial sector.»
In recent years, banks and other financial companies in China issued a tidal wave of new loans and other credit products, many of which will not be paid back in ful
In recent years, banks and
other financial companies
in China issued a tidal wave of new loans and other credit products, many of which will not be paid back in ful
in China issued a tidal wave of new loans and
other credit
products, many of which will not be paid back
in ful
in full.
CEO of Blocko Inc., Won - Beom Kim, states, «We are striving to advance our
product by partnering with Samsung SDS, CISCO and
others to apply blockchain to a wide range of industries
in the future, beyond existing uses such as bonds, promissory notes and points within the
financial sector.»
The theory is that the credit crisis
in the United States might have been avoided if a central authority had seen the systemic danger posed by Wall Street's aggressive selling of securities backed by subprime loans and
other complex
financial products.
Founded
in 1946, the firm is a leading provider of investment management, retirement planning, portfolio guidance, brokerage, benefits outsourcing, and many
other financial products and services to more than 20 million individuals and institutions, as well as through 5,000
financial intermediary firms.
This news release contains forward - looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 and Canadian securities laws, including statements regarding: BlackBerry's expectations regarding new
product initiatives and timing, including the BlackBerry 10 platform; BlackBerry's plans and expectations regarding new service offerings, and assumptions regarding its service revenue model; BlackBerry's plans, strategies and objectives, and the anticipated opportunities and challenges
in fiscal 2014; anticipated demand for, and BlackBerry's plans and expectations relating to, programs to drive sell - through of the company's BlackBerry 10 smartphones; BlackBerry's expectations regarding
financial results for the second quarter of fiscal 2014; BlackBerry's expectations with respect to the sufficiency of its
financial resources; BlackBerry's ongoing efforts to streamline its operations and its expectations relating to the benefits of its Cost Optimization and Resource Efficiency («CORE») program and similar strategies; BlackBerry's plans and expectations regarding marketing and promotional programs; and BlackBerry's estimates of purchase obligations and
other contractual commitments.
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.
In that report, the CFPB said it had received more than 13,000 complaints over the last six months related to mortgages, credit cards, and
other financial products.
This news release contains forward - looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 and Canadian securities laws, including statements regarding: BlackBerry's expectations regarding new
product initiatives and timing, including the BlackBerry 10 platform; BlackBerry's plans and expectations regarding new service offerings, and assumptions regarding its service revenue model; BlackBerry's plans, strategies and objectives, and the anticipated opportunities and challenges
in fiscal 2014; anticipated demand for, and BlackBerry's plans and expectations relating to, programs to drive sell - through of the Company's BlackBerry 7 and 10 smartphones and BlackBerry PlayBook tablets; BlackBerry's expectations regarding
financial results for the second quarter of fiscal 2014; BlackBerry's expectations with respect to the sufficiency of its
financial resources; BlackBerry's ongoing efforts to streamline its operations and its expectations relating to the benefits of its Cost Optimization and Resource Efficiency («CORE») program and similar strategies; BlackBerry's plans and expectations regarding marketing and promotional programs; and BlackBerry's estimates of purchase obligations and
other contractual commitments.
Consumers Union works for health reform, food and
product safety,
financial reform, and
other consumer issues
in Washington, D.C., the states, and
in the marketplace.
Many factors could cause BlackBerry's actual results, performance or achievements to differ materially from those expressed or implied by the forward - looking statements, including, without limitation: BlackBerry's ability to enhance its current
products and services, or develop new
products and services
in a timely manner or at competitive prices, including risks related to new
product introductions; risks related to BlackBerry's ability to mitigate the impact of the anticipated decline
in BlackBerry's infrastructure access fees on its consolidated revenue by developing an integrated services and software offering; intense competition, rapid change and significant strategic alliances within BlackBerry's industry; BlackBerry's reliance on carrier partners and distributors; risks associated with BlackBerry's foreign operations, including risks related to recent political and economic developments
in Venezuela and the impact of foreign currency restrictions; risks relating to network disruptions and
other business interruptions, including costs, potential liabilities, lost revenues and reputational damage associated with service interruptions; risks related to BlackBerry's ability to implement and to realize the anticipated benefits of its CORE program; BlackBerry's ability to maintain or increase its cash balance; security risks; BlackBerry's ability to attract and retain key personnel; risks related to intellectual property rights; BlackBerry's ability to expand and manage BlackBerry ® World ™; risks related to the collection, storage, transmission, use and disclosure of confidential and personal information; BlackBerry's ability to manage inventory and asset risk; BlackBerry's reliance on suppliers of functional components for its
products and risks relating to its supply chain; BlackBerry's ability to obtain rights to use software or components supplied by third parties; BlackBerry's ability to successfully maintain and enhance its brand; risks related to government regulations, including regulations relating to encryption technology; BlackBerry's ability to continue to adapt to recent board and management changes and headcount reductions; reliance on strategic alliances with third - party network infrastructure developers, software platform vendors and service platform vendors; BlackBerry's reliance on third - party manufacturers; potential defects and vulnerabilities
in BlackBerry's
products; risks related to litigation, including litigation claims arising from BlackBerry's practice of providing forward - looking guidance; potential charges relating to the impairment of intangible assets recorded on BlackBerry's balance sheet; risks as a result of actions of activist shareholders; government regulation of wireless spectrum and radio frequencies; risks related to economic and geopolitical conditions; risks associated with acquisitions; foreign exchange risks; and difficulties
in forecasting BlackBerry's
financial results given the rapid technological changes, evolving industry standards, intense competition and short
product life cycles that characterize the wireless communications industry.