Sentences with phrase «more financial security for»

Getting term life insurance coverage is an attainable goal for the vast majority of people who want to create more financial security for their loved ones.

Life insurance benefits can be used to pay off debt and help create more financial security for your family.

Not exact matches

Another recommendation is continuing the push for a common securities regulator, which would increase access to capital by increasing global confidence through more efficient regulation and stronger enforcement, enhancing Toronto's position as a major global financial centre.

With retirees increasingly responsible for their own financial security, more are thinking of spending their golden years abroad.

Adolfo Rodriguez, managing partner of the A / R Financial Group, has been focusing more and more on Social Security maximization over the past six years, conducting seminars for the public and for other advisors, as a service to their own clients.

According to the European Union Agency for Law Enforcement Cooperation (Europol), the gang targeted financial transfers and ATM networks from late 2013 by using a series of malware attacks called Anunak and Carbanak, before more recently adapting security - testing software called Cobalt Strike into heist - ready malware.

Phishing — the other big threat to online financial security — may be even more dangerous for phones than for computers.

With more retirees around the world responsible for their own financial security, the countries that ranked the best had policies in place to ensure access to individual or work - based savings programs, according to David Goodsell, who directs investor research for Natixis.

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).

More sophisticated — and more costly, at $ 13,000 and up for a software license — security tools such as Cloakware, Cyber-Ark, and e-DMZ Security can bar an employee from using the same password for, say, logging in to e-mail as for checking the company financiMore sophisticated — and more costly, at $ 13,000 and up for a software license — security tools such as Cloakware, Cyber-Ark, and e-DMZ Security can bar an employee from using the same password for, say, logging in to e-mail as for checking the company financimore costly, at $ 13,000 and up for a software license — security tools such as Cloakware, Cyber-Ark, and e-DMZ Security can bar an employee from using the same password for, say, logging in to e-mail as for checking the company finsecurity tools such as Cloakware, Cyber-Ark, and e-DMZ Security can bar an employee from using the same password for, say, logging in to e-mail as for checking the company finSecurity can bar an employee from using the same password for, say, logging in to e-mail as for checking the company financials.

More than 180 financial services companies and institutional investors subscribe to oekom's sustainability research for the selection of securities for mutual funds, segregated accounts, and asset management mandates.

Such risks and uncertainties include, but are not limited to: our ability to achieve our financial, strategic and operational plans or initiatives; our ability to predict and manage medical costs and price effectively and develop and maintain good relationships with physicians, hospitals and other health care providers; the impact of modifications to our operations and processes; our ability to identify potential strategic acquisitions or transactions and realize the expected benefits of such transactions, including with respect to the Merger; the substantial level of government regulation over our business and the potential effects of new laws or regulations or changes in existing laws or regulations; the outcome of litigation, regulatory audits, investigations, actions and / or guaranty fund assessments; uncertainties surrounding participation in government - sponsored programs such as Medicare; the effectiveness and security of our information technology and other business systems; unfavorable industry, economic or political conditions, including foreign currency movements; acts of war, terrorism, natural disasters or pandemics; our ability to obtain shareholder or regulatory approvals required for the Merger or the requirement to accept conditions that could reduce the anticipated benefits of the Merger as a condition to obtaining regulatory approvals; a longer time than anticipated to consummate the proposed Merger; problems regarding the successful integration of the businesses of Express Scripts and Cigna; unexpected costs regarding the proposed Merger; diversion of management's attention from ongoing business operations and opportunities during the pendency of the Merger; potential litigation associated with the proposed Merger; the ability to retain key personnel; the availability of financing, including relating to the proposed Merger; effects on the businesses as a result of uncertainty surrounding the proposed Merger; as well as more specific risks and uncertainties discussed in our most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.cigna.com as well as on Express Scripts» most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.express-scripts.com.

Purely speculation on my end, but while 401k and other retirement saving is the status quo for financial security during retirement, pensions was much more common for baby boomers.

When people see banks browbeating the bond rating agencies and accounting firms to whitewash the quality of what they're pawning off on their customers, when they see bank lobbyists getting Washington to block state prosecutions of financial fraud so as to clear the way for more predatory lending and false packaging of the junk securities they're selling and to win the right not to reveal their true financial position, there's a good reason not to buy what's in these black boxes.

According to Financial Engines research, seven out of ten current retirees say Social Security benefits are a major source of their retirement income, while the Social Security Administration says about one in four married couples — and nearly half of unmarried individuals — rely on Social Security for 90 % or more of their income.

A 21st century retirement needs a new set of rules to provide financial and emotional security for a post-career period that can last 30 years or more.

It does not discuss all aspects of U.S. federal income taxation that may be relevant to particular holders in light of their particular circumstances or to holders subject to special rules under the Code (including, but not limited to, insurance companies, tax - exempt organizations, financial institutions, broker - dealers, partners in partnerships (or entities or arrangements treated as partnerships for U.S. federal income tax purposes) that hold HP Co. common stock, pass - through entities (or investors therein), traders in securities who elect to apply a mark - to - market method of accounting, stockholders who hold HP Co. common stock as part of a «hedge,» «straddle,» «conversion,» «synthetic security,» «integrated investment» or «constructive sale transaction,» individuals who receive HP Co. or Hewlett Packard Enterprise common stock upon the exercise of employee stock options or otherwise as compensation, holders who are liable for the alternative minimum tax or any holders who actually or constructively own 5 % or more of HP Co. common stock).

In October and November, venture capitalists concentrated more investments on financial services and infrastructure related initiatives such as tools for addressing price volatility, power efficiency and security.

According to the Websense Security Labs 2015 Industry Drill - Down Report for financial services, financial services encounters security incidents 300 percent more frequently than other indSecurity Labs 2015 Industry Drill - Down Report for financial services, financial services encounters security incidents 300 percent more frequently than other indsecurity incidents 300 percent more frequently than other industries.

«Boards that authorise share - repurchase initiatives at market prices below what the businesses are intrinsically worth per share (without foregoing investment in even more compelling growth opportunities and with due regard for the financial security of the remaining shareholders) are clearly putting the shareholder's interest high on the priority list» Frank Martin

It said virtual currencies issued for wholesale use only — that is, by banks and financial institutions to settle payments rather than by consumers for purchases — could help make trading securities and foreign currencies more efficient.

The investor protection community cheered this week, when the staff of the Securities and Exchange Commission recommended that stockbrokers take more legal responsibility for the financial advice they give.

You argue that the securities industry would provide more effective regulation of certain insurance products, ignoring the financial incentive that industry has for limiting access to competing products.

For example, if Bitcoin is not a currency, then Bitcoin forwards and Bitcoin swaps that involve the exchange of Bitcoin for another currency will not fall under the statutory definitions of the more lightly regulated foreign exchange forwards or foreign exchange swaps.10 Likewise, retail trading of Bitcoin derivatives will be limited to designated contract markets, rather than subject to the retail foreign exchange dealer regulations.11 Treating Bitcoin as a commodity that is not a currency dovetails with the stances taken by other U.S. regulators such as the Financial Crimes Enforcement Network (FinCEN)(virtual currency does not have all of the attributes of real currency) 12, the Securities and Exchange Commission (Bitcoin investments are investment contracts because Bitcoin is a form of money) 13 and the Internal Revenue Service (treating Bitcoin as property for tax purposes)For example, if Bitcoin is not a currency, then Bitcoin forwards and Bitcoin swaps that involve the exchange of Bitcoin for another currency will not fall under the statutory definitions of the more lightly regulated foreign exchange forwards or foreign exchange swaps.10 Likewise, retail trading of Bitcoin derivatives will be limited to designated contract markets, rather than subject to the retail foreign exchange dealer regulations.11 Treating Bitcoin as a commodity that is not a currency dovetails with the stances taken by other U.S. regulators such as the Financial Crimes Enforcement Network (FinCEN)(virtual currency does not have all of the attributes of real currency) 12, the Securities and Exchange Commission (Bitcoin investments are investment contracts because Bitcoin is a form of money) 13 and the Internal Revenue Service (treating Bitcoin as property for tax purposes)for another currency will not fall under the statutory definitions of the more lightly regulated foreign exchange forwards or foreign exchange swaps.10 Likewise, retail trading of Bitcoin derivatives will be limited to designated contract markets, rather than subject to the retail foreign exchange dealer regulations.11 Treating Bitcoin as a commodity that is not a currency dovetails with the stances taken by other U.S. regulators such as the Financial Crimes Enforcement Network (FinCEN)(virtual currency does not have all of the attributes of real currency) 12, the Securities and Exchange Commission (Bitcoin investments are investment contracts because Bitcoin is a form of money) 13 and the Internal Revenue Service (treating Bitcoin as property for tax purposes)for tax purposes).14

John F. Kennedy promised: «We seek to strengthen the United Nations, to help solve its financial problems, to make it a more effective instrument for peace, to develop it into a genuine world security system... capable of resolving disputes on the basis of law, of insuring the security of the large and the small, and of creating conditions under which arms can finally be abolished... This will require a new effort to achieve world law».

Rather, both participate in a culture in which security, independence and financial success for the individual and the institution are more highly prized than the common good — both in its collective aspect and in the emphasis on nonmaterial goods.

The only tempting reason for me to remarry is to add a second income and more financial security.

If Mom is taking a longer leave of absence or not returning to work, she is now more dependent on her partner for her financial security.

Her legacy and dedication are impressive, but nothing is more important than her sincere and tireless concern for the more than one million New York state workers, retirees and families who rely on the Fund for financial security,» DiNapoli said.

More than one million New Yorkers depend on the Common Retirement Fund for their financial security.

Its not hard to understand my family's intentions that all they want for their kids is financial security and with the increasingly unserviceable costs of property in Sydney — being comfortable with your fiscal position has never been more important.

Jimmy «Supafly» Snuka, King Kong Bundy, and Paul Orndorff, better known by his stage name «Mr. Wonderful,» are just a few of the more than fifty former athletes who are demanding some kind of compensation for what they claim was brain damage resulting because the «WWE placed corporate gain over its wrestlers» health, safety, and financial security,» according to the wording of the lawsuit.

Some people can't help but go all tingly over the thought of a silver fox, others prefer the maturity that an older man can bring to a relationship and then, there are those who are looking for a little more financial security and luxury than a younger man can provide!

Dr. Neberich also explains why, from an evolutionary perspective, women desire financial compatibilty at the more affluent end of the scale «This desire for security... may be explained by women's natural role as the more dependent person during the phase of starting a family.»

Although corporations have far more financial resources to use against phishing and other cyberattacks, «it's the same threat that we face here in education,» says Eric Hoth, data security chief for North Carolina's Wake County Public School System.

More information about factors that potentially could affect Amazon.com's financial results is included in Amazon.com's filings with the Securities and Exchange Commission, including its Annual Report on Form 10 - K for the year ended December 31, 2006, and all subsequent filings.

Taking action to eliminate debt will help you create a more comfortable financial future as well as provide better financial security that seems so aloof for so many people nowadays.

Much of the advice for singles is similar to that for couples, but we'll aim to focus on the financial issues specific to the single life, namely the fact that you're often supporting a family on one income, you have less security because there's no second breadwinner, and you have to be more self - reliant, especially if you want to plan for an independent retirement.

Find out if term or permanent life insurance suits your needs for more optimal financial security.

However, there's more freedom in financial security than in spending every penny for current gratification.

It also provides a financial security benefit that is generally tax - free for your children, so more of your money will stay in your family, instead of going toward taxes.

And more and more of those with unpaid federal student debt are losing a portion of their Social Security benefits to the government, nearly 119,000 through September, compared with 60,000 for all of 2007 and 23,996 in 2001, according to the Treasury Department's Financial Management Service.

It's becoming more and more common — especially around the holidays — for shoppers» financial information to be compromised by a security breach.

For these reasons and more, an annuity may provide you and your family with increased financial security during your retirement.

«It's not a place for speculative securities,» says Ian Black, a fee - only financial advisor at Macdonald, Shymko & Company Ltd. «If it works out, you're fine, but speculative more often than not doesn't work out.»

So there you have it... 5 reasons to ignore the naysayers and learn more about the power of utilizing cash value life insurance for wealth building, financial security and legacy planning.

Since BrightLife ® Protect Survivorship provides potential tax - deferred growth and a financial security benefit that is generally income - tax - free for your children, more of your money will stay in your family, instead of going towards taxes.

It makes a lot more sense when you're starting out in life to go for «less house» and more financial security.

Watch this short video to learn more about how we can help you save for your future and retire with financial security.

But as societies grew more and more complex, the need for formal organizations to protect and provide financial security grew.