The United Services Automobile Association or USAA got its start as an insurance company but it's since branched out
into other financial services, including banking.
Not exact matches
Such statements include, but are not limited to, statements about the continued demand for our product, the wind - down of ExpressJet's flying agreement with Delta, and the related removal from
service and / or placement
into service of certain aircraft, the scheduled aircraft deliveries for SkyWest Airlines for 2018, as well as SkyWest's future
financial and operating results, plans, objectives, expectations, estimates, intentions and outlook, and
other statements that are not historical facts.
Still
other postal
services have used their storefronts to get
into financial services, insurance and even e-banking.
Now, the Canadian
financial services company that offers unique ETFs and
other investment solutions has grown
into a competitive leader in the Canadian market, with approximately $ 6.5 billion in assets under management as of June 30.
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.
By that measure, the legal cannabis business is rapidly accelerating
into stage three, as an ecosystem of
financial and
other services quickly grows up.
Like
other tech companies such as Amazon.com (AMZN), rumored to be considering a foray
into checking accounts, Chime sees an opportunity in
financial services amid a shifting customer base and widespread dissatisfaction with big bank
services.
In
other words, people have to pay either so much debt or they have to have forced saving, like pension fund saving, that the economy is shrunk for
financial reasons, for putting more and more of its money out of the real economy of goods and
services into the
financial sector.
The information we collect and maintain about you is provided during the course of your entering
into transactions with private issuers who have engaged Genesis to provide certain
services in the context of a private securities, digital currency or
other financial asset transaction or trading through Genesis.
on a pro forma basis, giving effect to (i) the automatic conversion of all of our outstanding shares of convertible preferred stock
other than Series FP preferred stock
into shares of Class B common stock and the conversion of Series FP preferred stock
into shares of Class C common stock in connection with our initial public offering, (ii) stock - based compensation expense of approximately $ 1.1 billion associated with outstanding RSUs subject to a performance condition for which the
service - based vesting condition was satisfied as of December 31, 2016 and which we will recognize on the effectiveness of our registration statement in connection with a qualifying initial public offering, as further described in Note 1 to our consolidated
financial statements included elsewhere in this prospectus, (iii) the increase in accrued expenses and
other current liabilities and an equivalent decrease in additional paid - in capital of $ 187.2 million in connection with the withholding tax obligations, based on $ 16.33 per share, which is the fair value of our common stock as of December 31, 2016, as we intend to issue shares of Class A common stock and Class B common stock on a net basis to satisfy the associated withholding tax obligations, (iv) the net issuance of 7.6 million shares of Class A common stock and 5.5 million shares of Class B common stock that will vest and be issued from the settlement of such RSUs, (v) the issuance of the CEO award, as described below, and (vi) the filing and effectiveness of our amended and restated certificate of incorporation which will be in effect on the completion of this offering.
Second, DOL «then offers an exemption from this far - reaching prohibition — known as the best interest contract exemption (or «BIC» exemption)-- but conditions it on
financial services firms and insurance institutions agreeing to subject themselves to fiduciary standards of conduct in contracts that they must enter
into with their customers, as well as a range of
other restrictions and requirements.»
The pro forma consolidated balance sheet data gives effect to (i) the automatic conversion of all of our outstanding shares of convertible preferred stock
other than Series FP preferred stock
into shares of Class B common stock and the conversion of Series FP preferred stock
into shares of Class C common stock in connection with our initial public offering, (ii) stock - based compensation expense of approximately $ 1.1 billion associated with outstanding RSUs subject to a performance condition for which the
service - based vesting condition was satisfied as of December 31, 2016 and which we will recognize on the effectiveness of our registration statement in connection with this offering, as further described in Note 1 to our consolidated
financial statements included elsewhere in this prospectus, (iii) the increase in accrued expenses and
other current liabilities and an equivalent decrease in additional paid - in capital of $ 187.2 million in connection with the withholding tax obligations, based on $ 16.33 per share, which is the fair value of our common stock as of December 31, 2016, as we intend to issue shares of Class A common stock and Class B common stock on a net basis to satisfy the associated withholding tax obligations, (iv) the net issuance of 7.6 million shares of Class A common stock and 5.5 million shares of Class B common stock that will vest and be issued from the settlement of such RSUs, (v) the issuance of the CEO award, as described below, and (vi) the filing and effectiveness of our amended and restated certificate of incorporation which will be in effect on the completion of this offering.
«Literally all the money that went
into this sector from 2010 to 2014 went in from angels and [
others], and now all of a sudden all these
financial services companies have shown up... the dumb money's shown up.»
Financial services companies generally classify customers
into different market segments based on their credit scores and
other factors.
Examples of these risks, uncertainties and
other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and
other international events; the risks and increased costs associated with operating internationally; our expansion
into and investments in new markets; breaches in data security or
other disturbances to our information technology and
other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or
other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to
service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and
financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management
services to certain ships and certain
other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline
services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and
other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and
other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.
I / we agree that if any material change (s) occur (s) in my / our
financial condition that I / we will immediately notify BSHFC of said change (s) and unless Baby Safe Homes Franchise Corporation is so notified it may continue to rely upon the application and
financial statement and the representations made herein as a true and accurate statement of my / our
financial condition.nI / we authorize Baby Safe Homes Franchise Corporation to make whatever credit inquiries / background checks it deems necessary in connection with this application and
financial statement.nI / we authorize and instruct any person or consumer reporting agency to furnish to BSHFC any information that it may have to obtain in response to such credit inquiries.nIn consideration of the ongoing association between Baby Safe Homes and the undersigned applicant (hereinafter u201cApplicantu201d), the parties hereto have entered
into this Non-Disclosure and Non-Competition Agreement.nWHEREAS, in the course of its business operations, Baby Safe Homes provides its customers products and
services which, by nature of the business, include trade secrets, confidential and proprietary information, and
other matters deemed material or important enough to warrant protection; and WHEREAS, Applicant, by reason of his / her interest in Baby Safe Homes and in the course of his / her duties, has access to said secrets and confidential information; and WHEREAS, Baby Safe Homes has trade secrets and
other confidential and proprietary information, including procedures, customer lists, and particular desires or needs of such customers to which Applicant has access in the course of his / her duties as an Applicant.nNow, therefore, in consideration of the premises contained herein, the parties agree as follows Applicant shall not, either during the time of his / her franchise evaluation with Baby Safe Homes or at any time thereafter either directly or indirectly, communicate, disclose, reveal, or otherwise use for his / her own benefit or the benefit of any
other person or entity, any trade secrets or
other confidential or proprietary information obtained by Employee by virtue of his / her employment with Baby Safe Homes, in any manner whatsoever, any such information of any kind, nature, or description concerning any matters affecting or relating to the Baby Safe Homes business, or in the business of any of its customers or prospective customers, except as required in the course of his / her employment by Baby Safe Homes or except as expressly authorized Baby Safe Homes Franchise Corporation, in writing.nDuring any period of evaluation with Baby Safe Homes, and for two (2) years thereafter, Applicant shall not, directly or indirectly, induce or influence, divert or take away, or attempt to divert or take away and, during the stated period following termination of employment, call upon or solicit, or attempt to call upon or solicit, any of the customers or patrons Baby Safe Homes including, but not limited to, those upon whom he / she was directly involved, or called upon, or catered to, or with whom became acquainted while engaged in the franchise evaluation process of a Baby Safe Homes franchise business.
«With the increased stability that comes from having a home and reduced
financial burdens, and being introduced
into the social
service system and the access to
other support
services it provides, people receiving housing assistance are getting improved access to primary care health
services.
9.3 increase the access of small - scale industrial and
other enterprises, particularly in developing countries, to
financial services including affordable credit and their integration
into value chains and markets
Other efforts have been into other financial businesses including asset management, trust services, and credit verification serv
Other efforts have been
into other financial businesses including asset management, trust services, and credit verification serv
other financial businesses including asset management, trust
services, and credit verification
services.
Golden
Financial Services is unlike
other debt relief companies that offer a single program or lawyers who try to push people
into bankruptcy.
While
other large Canadian banks have hinted they're considering a foray
into online investment advice, BMO is the first of the big five banks to launch such a
service, despite electing to build the product in - house rather than partnering with a
financial technology firm as some of the
other banks are expected to do.
The centre, which celebrated its 30th anniversary in 2017, originally focused on consumer credit issues, but it has since expanded
into insurance, superannuation, and
other financial services.
Check
Into Cash provides customers in certain states secured loans and
other financial services.
It's meant to provide lenders and
other financial services providers with insight
into how we might manage our money.
So what we need to do is make sure we're tailoring our information to meet the needs of those people, but also understanding some of the vulnerabilities that our more remote and regional Indigenous consumers face, who might not have had the same opportunity to interact with
financial products and
services as
other consumers, and might not have so readily entered
into commercial agreements in the past.
Dallas Payday Loans will help you get cash
into your bank account faster than any
other financial services company.
Your credit information can be bought by businesses or
other providers who care to look further
into your
financial background in order to approve or deny your request for credit or
services.
This way we'll manage everything for you, make the monthly mutual fund and ETF switches, rebalance quarterly, set everything up so maximum retirement income goes
into your sweep account for you to spend, give you online access to your account, the usual statements, be able to talk with us, we'll perform your mundane customer
service work just like any
other money manager, maybe even see us in person if you are in CA and your account is big enough, and all of the usual DoL Fiduciary Rules compliant
financial adviser stuff that everyone else does, so you don't have to do anything.
«It emerged at the international level, through the combination of, among
others: (1) the conservationist interests of big environmental NGOs in the North, (2) the interests of national and sub-national governments in the North seeking low - cost alternatives to supposedly «offset» their continued and excessive emissions of pollutants and greenhouse gases, (3) the interests of national and sub-national governments in the South seeking to obtain
financial resources for the «protection» of forests in their countries, (4) the interests of corporations that could profit from market - tradable «offset» credits, including through speculation on secondary (derivatives) markets, which would allow them to continue destroying the forests for the extraction of timber, minerals or oil, the establishment of monoculture plantations, etc., thus expanding their business opportunities, and (5) the interests of consultants and
other actors involved in
financial capital markets who want to turn «unexploited» forests
into a new market for this type of capital, through the commercialization of «environmental
services» such as carbon sequestration, among
others.»
It has also been reported that Rakuten Inc., one of Japan's major Internet shopping site operators, is planning to make inroads
into the residential PV power generation system market by providing loans and
other financial services in addition to installation
services.
He added that the following values were all to be appreciated and brought
into a pragmatic balance: that an efficient and cost - effective and relatively informal type of alternative dispute resolution should not be stifled by the imposition of legal doctrine; that the opportunity for the development of new ideas fitting to
financial service industries operating in consumer markets should be appreciated for the benefits they could bring; that on the
other hand transparency, consistency and accessibility as to the principles which informed the ombudsman's determinations remained virtues in the new setting; and that publicity as to those principles and those determinations could assist in that regard.
We have been able to place great candidates
into the US market from magic circle UK firms, but also from outside the legal sector too — from
financial services, insurance and
other professional
services backgrounds.
Practice head Hugh Evans has more than 35 years of experience handling high - value professional negligence claims on behalf of banks, building societies and
other lenders; he leads a team that includes Adam Ibrahim who, in addition to heading the regulatory team in Leeds, has extensive experience handling
financial services related professional negligence matters and is heavily involved in claims arising from the FCA's investigation
into the mis - selling of derivatives and swaps.
Two
other «tech» concepts that need to be understood and will bump
into the Regulatory Sandbox are «RegTech» — the use of technology for
financial compliance and supervision, and «TechFins» entities, which are not
financial services in nature, leveraging large amounts of data to provide
financial services through technology.
But there are many
other factors that go
into the auto insurer decision - making process, including perceived level of customer
service, the company's
other insurance and
financial products, as well as — let's be honest — which auto insurance company has the most entertaining commercials.
The company has been so closely integrated
into the Lincoln
Financial Group that separating one from the
other in terms of history and business ranking and
service is extremely difficult.
TALLAHASSEE - As a result of ongoing investigations
into complaints about the sale of unauthorized travel insurance in Florida, Chief
Financial Officer Alex Sink has notified three travel agencies that she intends to order them to stop selling insurance on behalf of Colorado - based Prime Travel Protection
Services, Inc. and any
other unlicensed travel insurer.
The company spent time in the 1960s and 1970s expanding the brand
into other industries, but refocused on solely providing
financial services and insurance.
Gibraltar's Distributed Ledger Technology Regulatory Framework came
into effect Jan. 1, regulating any distributed ledger project used to transmit or store value belonging to
others and that is not regulated under another
financial services framework.
Facebook users, as well as those browsing
other media sites, have likely encountered advertisements for
services promising low - risk - high - reward
financial opportunities, cryptocurrency investment «advice,» and
other tedious messages from shameless self - publicists claiming to have untold insights
into the whole system.
Tech Bureau Corp. is now subject to a
Financial Services Agency (FSA) investigation
into the safety of the system and
other business practices.
The Chasm Group, LLC and Chasm Institute, LLC (San Bruno, CA) 1997 — 2008 Business Operations Manager • Managed all daily operational tasks for leading multi-million dollar high - tech market strategy consultancy, while providing executive administration to C - level executives and venture capital partners • Developed and managed the firm's annual budget, proposing and implementing expense cuts, producing monthly reports and
financial statements, and coordinating with CPA firm for accurate and timely filings • Oversaw all client relationship management efforts while cultivating new business efforts from concept to implementation, providing high - quality
service in sales efforts while utilizing new lead tracking system • Negotiated and managed all contracts, stock grants, and financing arrangements, working closely with outside counsel to draft legal documents and resolve LLC - and proprietary - related issues • Led three office space build - outs and two office relocations, managing all aspects of each process under aggressive timeline and budget expectations • Reduced firm telecom expenses by 22 % by streamlining IT objectives, including migration to VOIP phone system, software / hardware purchases, domain renewals, and outsourced technical support • Directed all phases of staff recruitment while creating and implementing all HR policies and programs, including comprehensive employee benefits plans • Supervised multiple administrative staff members, conducted performance appraisals and wage / salary surveys in comparison to incentive program guidelines, and maintained HR files in accordance with legal mandates • Produced all out - going client invoices in an accurate and timely fashion to increase, cash flow and reduce aging receivables, providing consistent attention to overhead costs and vendor arrangements • Administered all company insurance policies, including E&O, general liability, bonds, partner life and disability, conducting annual benefits reviews and employee / company insurance audits • Obtained necessary certificates for consulting contracts while processing federal, state, and local business reporting requirements to maintain licenses and incorporation status • Directed all marketing efforts and oversaw logistical aspects of national educational workshop series, utilizing sponsorship arrangements to offset production costs • Transformed «brochure» website
into a dynamic tool to better illustrate company opportunities through relevant case studies, as well as maintaining all
other promotional media, including press kits and video Association of California School Administrators (Burlingame, CA) 1993 — 1997 Issues and Planning Committee Coordinator • Executed all phases of event planning and implementation for a membership - driven organization including 23 state committees, 5 task forces, 6 strategic planning conferences, and a conference of 1,500 attendees • Focused on facility evaluations, bid requests, site visits, contract negotiations, and all pre - and post-conference planning processes • Produced statistical and
financial reports, including budget projections and cost monitoring for developmental training efforts • Oversaw all participant - level responsibilities, including inquiries, eligibility, registration, correspondence, and billing statements • Managed all legal professional standards calls for Northern California regions, including the processing of attorney authorizations, the preparation of legal assistance letters, and liens on cause of action • Served as second point of contact for computer inquiries and troubleshooting efforts as well as provided back - up executive administrative support for Executive Director, Committee Chairs, and the State Superintendent of Public Instruction • Held responsibility for software installation and hardware configuration while performing weekly AS / 400 backup and report generation
As part of the initiative, social
service agencies, hospitals, law enforcement, and
other stakeholder organizations share information, technical assistance, and
financial support to fund programs that reduce gang violence, improve neighborhood safety, and facilitate the reentry of individuals
into the community after incarceration.
Moreover, the U.S. real estate sector enjoys just a small fraction of the amount of foreign dollars invested
into other parts of our economy, such as manufacturing and
financial services.
Well - informed sources report that Insignia
Financial Services is attempting to quickly leverage its recent purchase of Ohio megabroker Realty One
into a number of purchases of
other major independent companies.
Traditionally, brokers have expanded
into selling mortgages and
other financial services.