Sentences with phrase «less investment benefit»

Not exact matches

Other benefits of investments using debt include tax advantages and a higher return on my investment (ROI) because I've used less of my own money to purchase the asset.

• 35 % of retirees have less than $ 1,000 in savings and investments that could be used for retirement, not counting their primary residence or defined benefits plans such as traditional pensions; 53 % have less than $ 25,000.

Women founders were pushed out or into lesser roles as a condition for investment, while similarly inexperienced male founders were given the benefit of the doubt and supported.

We invest much less in young children, and that stems largely from the fact that most other advanced economies view early childhood education, child care and other benefits targeted at parents with young children as «public goods,» meaning investments that, absent public support, would be insufficiently made from the perspective of society's well - being.

A narrow majority of defined - contribution - plan advisers and consultants say managed accounts provide less benefit to participants than target - date funds, according to a survey by Pacific Investment Management Co..

These property types combine the financing and easy purchasing benefits of a single - family home with the cashflow benefits and less competition found in larger investments.

What's more, you can benefit from the fact that real estate investments have historically been less susceptible to major market swings.

Social Security represents a substantial share of income for the bottom quintile but is less important for higher - earners — reflecting the progressive nature of the benefit formula and the fact that higher - earners have many other sources of income — whereas private retirement income is less important at the low end but is more important for middle and upper - income groups (those at the very top mostly rely on investment or business income).

Some academics would further argue that these private investments are less correlated with the stock market than their public peers, and therefore these private investments have portfolio diversification benefits.

The 60 second options, whilst not being able to close early, have the additional benefit of momentum on their side which is perhaps more attractive to those who are looking to risk less on each investment and trade frequently throughout the day.

If you're considering permanent life insurance, but are wary of the complexity of the policy and not interested in the cash value or investment benefits, guaranteed universal life insurance is a less expensive way to purchase nearly - lifelong coverage.

The less - developed country benefits by attracting investment capital.

The original charges against Giuseppe Profiti had been embezzlement, but the court convicted him of a lesser offence of abuse of office after the defence argued the money was intended as an investment to benefit the hospital.

And then there is the much bigger rump that could not get access to good schools (down under Labour), good apprenticeships / sponsoring companies, also down under Labour and lastly betrayed by a Labour Govt that seems to think spending vast amounts of money on snooping campaigns to catch benefit cheats is a better investment than educating and reskilling the un-employed, who on going out to do the jobs that must be done find themselves up against foreign labour sometimes willing to work the most brutal conditions (and maybe less than min wage because it is still better than home).

So even though the North American canola business is valued at over $ 2 billion and the calculated economic benefit of the new technology is over $ 200 million, the company value before investment may be less than $ 500,000.

Finally, said Bradbury, the financial benefits for implementing green completions often fall disproportionately on the production company, and processors down the line gain less from their investments.

I won't bother here dwelling on the fact that i3 isn't basic research (key difference: basic research is a public good, leading to a dearth of private investment, while applied research has benefits for private actors and therefore is less in need of public investment.

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.

The obvious benefits of «title - by - title» (or «pick - and - choose») buying have been well documented in LIS literature: not only does it provide libraries with the flexibility to supplement their existing catalogs with targeted selections, it requires less initial investment of time and money; it is often seen as the easiest way to select and purchase only what libraries need; and it is also the most intuitive to the library profession, because it places the art of curation front and center — something many librarians still see as an integral part of their professional identity.

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.

Decreasing your fixed costs to live has two benefits: a) You have more free cash flow to devote toward your investments, and b) You need less passive income to cover your expenses and thus become financially independent.

I believe this phenomenon will manifest itself with people becoming less enamored with self - determination (like with 401 (k) plans) and more interested in old - fashioned defined benefit pension plans, where someone else does the heavy lifting of investment for you.

Last week at Of Dollars and Data, Nick Maggiulli shared another benefit of a large saving rate: As you increase the amount you save, your investment returns become less important.

The account value is subject to market fluctuations and investment risk so that, when withdrawn, it may be worth more or less than its original value even when an optional protection benefit rider is elected.

The result is that many contracts are written to benefit the seller, while leaving the buyer with much less than they could have gotten from other, simpler, investments like normal index funds.

All in all, closed - end funds offer an excellent opportunity for investors to utilize the benefits of leverage, capitalize on less liquid corners of the market, and enjoy higher yields from a new kind of investment.

«If you have $ 200,000 or less, then you will benefit from having your RRSPs, TFSAs and other investments all at the same financial institution,» says Dekanic.

In a lower return environment, the true tax deferral benefit of extending the average holding period of an investment from 2 years to 5 years — chopping the portfolio turnover rate from 50 % down to 20 % — is actually less than 5 basis points, which can be made up in the blink of an eye through a lower cost investment change or a mere day's worth of relative returns (not to mention weeks, months, or years)!»

Active managers benefited from the broader, more diverse EM investment universe with less analyst coverage.

For the benefit of having your dividends reinvested, you may have less efficient asset allocation, disjointed advice on your investments and less visibility to your overall holdings.

Your benefits are more or less guaranteed by government (although future contributions would likely rise if CPP investment and demographic projections don't pan out).

Aleph Investments generally will vote against proposals to move the company to another state less favorable to shareholders interests, or to restructure classes of stock in such a way as to benefit one class of shareholders at the expense of another, such as dual classes (A and B shares) of stock.

Those were three benefits of renting that are important to keep in mind: Less risk, predictable cost, and no investment illusion.

Because IULs are perhaps a less conservative investment, some may believe that they are NOT as ideal for providing all the following benefits listed below.

This means the overall benefit of a Roth conversion increases when the treatment of taxable investments becomes less favorable — and it's scheduled to become a lot less favorable in 2013.

✗ Social Security and / or pension benefits cover your regular expenses ✗ You're younger than 45 or over 75 years old ✗ You've accumulated less than $ 250,000 or more than $ 5 million in retirement savings ✗ You have below - average health ✗ You're seeking higher risk and more of an investment product

If you're considering permanent life insurance, but are wary of the complexity of the policy and not interested in the cash value or investment benefits, guaranteed universal life insurance is a less expensive way to purchase nearly - lifelong coverage.

✗ Social Security and / or pension benefits cover your regular expenses ✗ You're younger than 45 or over 75 years old ✗ You've accumulated less than $ 250,000 or more than $ 5 million in retirement savings ✗ You have below - average health ✗ You're seeking higher risk and more of an investment product ✗ You need access to the money immediately

More than half of workers report having less than $ 25,000 dollars in total household savings and investments, excluding their home and any pension plans, according to the Employee Benefit Research Institute.

Investors frequently benefit from making investment decisions with less than perfect knowledge and are well rewarded for bearing the risk of uncertainty.

Investment in The Fund is suited to individuals, families and their trusts and superannuation funds who may be less confident about the market's direction and those who value the diversification benefits of returns that are largely uncorrelated with movements in the broader equity market.

It is a shocking statistic: An April 2015 survey by the Employee Benefit Research Institute found that more than half of workers had total savings and investments of less than $ 25,000.

There's other benefits: I'm squeezing more investment themes / asset classes into my portfolio — so I end up with far less room for individual holdings, vs. investors who focus exclusively on (regular) equities (& possibly suffer from home bias).

✗ Social Security and / or pension benefits cover your regular expenses ✗ You're years away from retirement ✗ You've accumulated less than $ 250,000 or more than $ 5 million in retirement savings ✗ You have below - average health ✗ You're seeking higher risk and more of an investment product

Further diversification benefits can be gained by investing in foreign securities because they tend to be less closely correlated with domestic investments.

While the benefit might give you peace of mind, it's not necessarily the best benefit if the money you're receiving ends up being less than what you could get from other, albeit riskier, investment.

If you don't give your super fund your latest address, they might consider you a «lost member», and transfer your benefits to an «eligible rollover fund» where your investment earnings may be less.

In 2011, the five big banks in Canada paid out less than 2 % on their RESP's Group providers are fewer and some of these are non-profit foundations — this will explain the higher rate of interest earned (4.7 to 7.4 % in 2011) Students also benefit from additional monies from attrition and enhancement, and group plan fees are up front, yes, but some providers refund some or all of your fees at maturity — you will never see a bank return your fees (or any mutual based investment) Investing in bonds or GIC's is certainly safe, but you won't collect any government grant unless you're in a registered RESP — this can mean 20 - 40 % more money for your child.

They know that advice in the form of product recommendations, obscure disclosure of costs and weak reporting benefit the investment industry and less so investors.

Member benefits are the sum of contributions and investment income earned on those contributions over the period of membership, less expenses such as fees, taxes and insurance premiums.