Sentences with phrase «large financial obligations»

They are excited at the prospect of owning a home, but anxious about the large financial obligations involved.

This combination of large financial obligations and low cash flow make the inexpensive temporary policies so attractive.

If you've been making the necessary adjustments to your coverage over the years (see above), then when this happens you'll no longer need a life insurance policy, either because you no longer have large financial obligations or because you've built up enough savings to cover them yourself.

Mostly, life insurance plans are used to replace income in your absence or to pay off large financial obligations, such as a business loans.

Even though I didn't particularly love my student loan servicer, I had absolutely no choice in the matter and experienced very little support when my largest financial obligation switched hands in a blink.

A child's college education after a home will be the largest financial obligation you will have.

Term life insurance death benefits only range from $ 10,000 to $ 100,000, meaning you may not be able to cover larger financial obligations, such as a mortgage.

But as Lenore Davis, a registered financial planner with Dixon, Davis & Co. in Victoria, points out, «your mortgage is probably the largest financial obligation you will ever have and payments come out of after - tax dollars, so it's very expensive debt.»

There is no question that a mortgage on a home is usually one of the largest financial obligations that you will have in your life.

Spousal support could well be the largest financial obligation a spouse can incur during a divorce.

Term life insurance death benefits only range from $ 10,000 to $ 100,000, meaning you may not be able to cover larger financial obligations, such as a mortgage.

When you purchase a home, you generally take on a large financial obligation — an obligation that is frequently secured by a non-liquid asset.

Insurance of this type may be purchased when the insured has a large financial obligation to fund, such as child - rearing expenses, and needs a great deal of coverage in the early years to protect against adverse financial implications of his / her death.

Not exact matches

Every national postal service in the developed world is facing the same assault on its core business (and most have loads of financial baggage associated with the pension obligations for large workforces).

, a rundown on financial obligations to be imposed on some large businesses that don't offer coverage meeting at least minimum standards.

Midland National is accredited by the Better Business Bureau, and has earned an A + (Superior) rating from A.M. Best, a large third - party independent reporting and rating company that rates an insurance company on the basis of the company's financial strength, operating performance and ability to meet its ongoing obligations to policyholders.

Atlanta Public Schools Chief Financial Officer Lisa Bracken said the school district has higher costs for several reasons: The expense of city living drives up teacher pay; the district has «low population» schools that lack economies of scale but are kept open «due to urban traffic constraints and community needs;» many students need extra services because they have learning problems or disabilities, don't speak English fluently or come from poverty; and the district has a large unfunded pension liability with growing obligations.

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the effect of the proposed separation of NOOK Media, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

Until we observe large - scale restructuring of mortgage debt and the debt obligations of major financial institutions, we will be applying trillion dollar band - aids while the underlying cancer metastasizes.

These are excellent times to buy term life insurance, because you can ensure that the financial obligations of your home and family do not become a large burden for your survivors if you die unexpectedly.

Credit card debt represents a large portion of many American's financial obligations.

It is likely the largest contract you have ever signed up to this point, with resulting financial obligations that can last for many years.

The collateralized debt obligation in particular enabled financial institutions to obtain investor funds to finance subprime and other lending, extending or increasing the housing bubble and generating large fees.

A new financial tool known as a collateralized debt obligation (CDO) became prevalent among large investment banks and other large institutions.

Payment history is the single largest factor to compute your credit score — which means: paying your financial obligations on - time is incredibly important.

Trying to meet the financial obligation of paying back student loans can be a tremendously stressful and even financially unfeasible for many physicians, despite their rather large incomes.

Surety bonds, like most bond issues, tend to be quite large and therefore the issuing organization assumes more risk should the company which took on the debt go out of business or fail to meet financial obligations of the issuance.

If your business has large amounts of debt and is in need of extended time to meet its financial obligations, a Chapter 11 bankruptcy could be an option that works for you.

In order for life insurance companies to provide insurance coverage and pay claims, they must have large cash reserves, which are required by law, to meet all of their financial obligations.

«It's important for both working and non-working spouses to have life insurance,» says Kristi Sullivan, CFP ®, Sullivan Financial Planning, LLC, Denver, Colo. «For the working spouse, you want to have enough insurance to cover large debts (mortgage), future obligations that can no longer be funded by the earnings of the deceased (college, retirement) and living expenses for the family.

This coverage can also be a good way to ensure that a loved one is not left having to pay large debts, such as a home mortgage or other financial obligations.

Samir has opted for term insurance plan given the affordable premiums which allows him to go for a larger life cover in line with his family's needs and financial obligations.

Buyers can choose a term based on their longest - term financial obligation, whether it's a mortgage, their children's college years or another large debt.

It provides you the largest amount of coverage for the dollar when your financial obligations are the greatest.

Most often, term life insurance is purchased to cover a large debt, such as a mortgage or another financial obligation.

With respect to financial obligations, there are three factors that typically have the largest impact on the amount of life insurance you need.

There are many small - to - medium - sized life insurance companies that have been in business for a long time and have a solid historical record of meeting financial obligations just like their larger counterparts.

And on the same day, the parent company of LES, LandAmerica Financial Group, a Fortune 500 company, and the third largest title company in America, realizing the size of the problem, and knowing that it had guaranteed some of LES's obligations to the exchange clients, also filed for bankruptcy protection, wiping out the guarantees.