Sentences with phrase «less financial expense»

Not exact matches

For SAP, the loss and LAE ratio is the ratio of incurred losses and loss adjustment expenses less certain administrative services fee income to net earned premiums as defined in the statutory financial statements required by insurance regulators.

Costs are both financial, including listing fees and the expenses associated with mandatory disclosures and other regulatory requirements, and less tangible, such as the perceived burden of quarterly earnings releases, the risk of being targeted by activist investors, and higher visibility that can result in political or competitive pressure.

``... at a time when nest eggs are shrinking and Social Security looks less likely to cover basic expenses, living for less in a foreign locale can make good financial sense.

The diligence process explores the seller's revenues, gross margins, expenses, leases, labor and benefits, corporate allocations, working capital, accounts receivable, inventory, fixed assets, accounts payable, accruals and, to a lesser degree, financial forecasts.

An employer that employs less than 50 employees shall not be subject to the requirements of this subsection, if such requirements would impose an undue hardship by causing the employer significant difficulty or expense when considered in relation to the size, financial resources, nature, or structure of the employer's business.

The «cheap» plans just mean that you're going slightly less bankrupt if anything happens to you and now even middle class people who previously had OK plans will also likely go bankrupt with any major medical expenses as all, but the most premium plans have been forced to go the high deductible route with many deductibles so high that they still virtually guarantee financial insolvency.

Those extra expenses would not be covered under Democratic Gov. Andrew Cuomo's Excelsior Scholarship proposal, which would pay only the difference between financial aid and tuition at State University of New York or City University of New York campuses for full - time students from families earning $ 125,000 or less.

Financial Resistance Because the soon to be released combination pill cures hepatitis in just 12 weeks — eliminating the need for and the expense of treating an otherwise chronic illness — it may end up costing less overall than previous treatments.

By cutting out these expenses, you'll actually need less money in your spending plan and perhaps to even live on if you don't need to put more money towards debt or other financial priorities.

While looking over my various accounts during this process, I realized it's been a while since I've evaluated some recurring expenses to see if our family can save more money without too much effort (less powerful financial maneuvers, if you will).

The general consensus by financial experts and personal finance bloggers everywhere is that an emergency fund should have no less than three months» worth of living expenses, and preferably, six months» worth of living expenses.

The goal here is for you to keep more of your investing dollars, and hand over less to the fee - and - expenses - driven financial services industry.

Lower living expenses, more options in a crisis, less debt, paying off your mortgage sooner, an extra million dollars or so — can you see how financial freedom starts with a lower house payment?

The cheapest ETFs cost less than 0.10 % in expense fees per year — e.g., $ 10 per year per every $ 10,000 invested — versus around 1.00 % for many mutual funds and financial advisors.

We have recently dropped our high MER (management expense ratio) mutual funds along with our financial adviser and switched to some lower fee and less volatile mutual funds with our bank.

I mean, killing my mortgage in less than 10 years is my main financial goal (we are already down 7 % in less than 8 months...) but this won't bring me any dividends... It'll just lower my expenses... (unless I buy another house and rent the current house...) So in a Growing your dividends point of view, I am unsure of my own strategy...

Living within your means (meaning that your expenses are less than your income) is a key to avoiding the debt spiral and achieving financial freedom.

To qualify for a Chapter 7 bankruptcy, the debtor must earn less than the state median income on a monthly basis and submit to a «means test» that examines their financial records, including income and expenses, along with secured (mortgages and car loans) and unsecured debt (credit card bills, personal loans, medical expenses).

20 Pro Forma Financial Highlights Sources & Uses Refinance PENN Existing Debt: $ 2.7 billion Pre-spin redemption of Fortress Investment Group Conversion Shares: $ 412 million Pre-spin redemption of other Preferred Equity: $ 253 million (1) Cash portion of the Accumulated E&P Dividend: $ 438 million Transaction Expenses: ~ $ 145 million Total Transaction Debt: $ 3.75 — $ 4.25 billion Key GLPI (REIT) Stats Target Leverage: 5.5 x EBITDA Target Interest Coverage: 3.2 x Target Dividend Payout Ratio: ~ 80 % AFFO less employee option holder dividends Key PNG (OpCo) Stats Target Leverage: 3.0 x EBITDA Implied Adjusted Leverage: 5.6 x EBITDAR Target Rent Coverage: ~ 2.0 x Target Interest Coverage: > 5.0 x Includes $ 22.5 m Preferred Equity redeemed in the first quarter of 2013

Finally, he asserts that the late disclosure of these bills — on the financial declaration Wife provided to the court the day of the final hearing — prevented him from asserting various defenses, including (1) that some of the bills were for expenses incurred by Wife after the date of filing of her divorce action, (2) that the statute of limitations may have expired on some of the expenses, and (3) that the medical providers may have been willing to compromise on some of the expenses for less than their face value.

Here are some of the damages that you can collect, both obvious expenses and lesser - known factors with financial impact:

When a person actively chooses a final expense policy over a traditional policy, it is generally because older people have less financial needs.

I applied a 1.25 % expense drag to the index fund portfolio, assuming the same client was working with a financial advisor that charged 1 % a year and the underlying index funds had expenses that were.25 % a year or less.

As you reach new life and financial milestones, your coverage steps down; if you bought your policies when you were 30 years old, by the time you turn 50 you still have $ 200,000 worth of protection — enough to cover your expenses, but costing much less than a $ 1,000,000 policy that you needed at one point but is overkill now.

A travel insurance covers the insured from all such unnatural emergent expenses and more and is the ultimate aid in case if a severe financial crisis or at least make expenses hurt your pocket a lot less.

TX renters may have less financial obligation for things like repairs, property tax and maintenance, but insurance is a necessary expense for all residents.

Chief Financial Officer Mike Burke pointed out that this money, as well as funding for other security projects approved by the legislature after the shootings, will mean less will be available for teacher salary increases and other essential expenses.

Professional Experience CHARTIS (New York, NY) 2004 — 2010 Manager, Financial Analysis • Utilize experience in accounts receivable / payable, expense control / reduction, budgeting and forecasting • Create, prepare, and analyze weekly and monthly GOE expense and account reports of over $ 12M • Provide Senior Executive and CFO with critical information needed to manage divisional expenses • Generate and implement new procedures to reduce expenses over budget • Conduct analysis of significant expense and account receivable items • Manage the premium and expense results for the profit centers • Provide comptrollers with monthly divisional account receivable cash forecast of over $ 86M per month • Reduce cash forecast variance to less than 5 % per month • Resolve and reduce receivables over a 12 month period from $ 12M to less than $ 3M per month • Establish and maintain strong relationships with vendors, underwriters, and senior executives • Control and maintain expenses to stay within budgets and forecasts • Review and verify the validity and accuracy of accounts payable prior to approving disbursements

Many attorneys are adept financial planners, but it is hard to rival the efficiency of a true financial professional, who can run spreadsheets showing income and expenses in the two households more quickly, accurately, and at less cost.

Applicants are evaluated based on financial criteria including need, commitment to funding the adoption, income ($ 100,000 gross income or less with a $ 10,000 deduction for each child in the home), expenses, assets and debts.

That single choice dwarfs pretty much every other financial choice you can make, and you don't even have to be particularly frugal to save 50 % or more of your income every month after you more or less eliminate housing and transportation expenses from your budget.

If I seem picky it is because I have seen all sides of and all kinds of the real estate business and its practitioners respectively from the inside - out, and I have borne witness to legions of commissioned sales types (the good, the bad and the ugly), the latter two types spinning their way through interactions with the mostly less - than - knowledgeable members of the public for their own personal financial good, first and foremost, too often at the expense of their marks.