Sentences with phrase «most substantial costs»

The flight and hotel room may be your most substantial costs, but other expenses can break your budget if you fail to consider them.

Not exact matches

While the most substantial way to increase your campaign's ROI still involves increasing your account's overall average keyword quality score (as quality score and cost per lead metrics are directly correlated), your level of success in AdWords is heavily reliant on whether or not you have first acquired all the proper ingredients to create an overall bigger pie for yourself.

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.

«The most recent study put the total cost at $ 78.5 bn in 2013 and the crisis has grown significantly since then, implying substantial costs to both employers and the public sector.»

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.

In our main research summary, The Costs and Benefits of Active Fatherhood, we have gathered a substantial weight of evidence drawn both from the UK and internationally, to provide the most comprehensive analysis yet of the difference dads can make.

«While there is a substantial body of research showing that a mother's own is milk is the most effective option for greatly improving the health of hospitalized, very low birthweight infants, NICU care providers need to be able to make the evidence - driven argument that mother's own milk is the most cost effective option as well,» Meier said.

The cost of the Crossrail project was largely seen as its most controversial aspect and fears that substantial government funding would place significant pressures on the transport budget led former transport secretary Alistair Darling to announce that the Crossrail project would not be funded entirely by the national taxpayer.

Currently, 75 percent of the county's budget comes from mandates from both the federal and state governments, the most substantial of which is the county's contributions to Medicaid costs.

«Adequate management of agricultural and forestry land uses are amongst the lowest - cost actions that can reduce global warming, and most actions are either neutral cost or of positive net profit to society, requiring no substantial capital investment,» the report says.

«While there is a substantial body of research showing that a mother's own is milk is the most effective option for greatly improving the health of hospitalized, very low birthweight infants, NICU care providers need to be able to make the evidence - driven argument that mother's own milk is the most cost effective option as well,» Meier said.

The average age of students is 36, and most students work while they are taking classes, thereby saving on the substantial opportunity costs of earning a teaching degree.

Black 2017 Chevrolet Tahoe LT RWD 6 - Speed Automatic Electronic with Overdrive EcoTec3 5.3 L V8 Tahoe LT, 4D Sport Utility, EcoTec3 5.3 L V8, 6 - Speed Automatic Electronic with Overdrive, RWD, Black, Jet Black w / Leather - Appointed Seat Trim, Navigation System.Awards: * ALG Best Residual Value * 2017 KBB.com 12 Best Family Cars * 2017 KBB.com 5 - Year Cost to Own Awards * 2017 KBB.com Best Buy Awards * 2017 KBB.com 10 Most Awarded BrandsReviews: * Seating for up to nine passengers; standard V8 engine assures plenty of passing power and a substantial tow rating; nicely trimmed cabin is one of the best in the class; available two - speed transfer case gives the Tahoe better than average off - road capabilities.

Grey 2017 Chevrolet Tahoe LT RWD 6 - Speed Automatic Electronic with Overdrive EcoTec3 5.3 L V8 Awards: * ALG Best Residual Value * 2017 KBB.com Best Buy Awards * 2017 KBB.com 12 Best Family Cars * 2017 KBB.com 5 - Year Cost to Own Awards * 2017 KBB.com 10 Most Awarded Brands Reviews: * Seating for up to nine passengers; standard V8 engine assures plenty of passing power and a substantial tow rating; nicely trimmed cabin is one of the best in the class; available two - speed transfer case gives the Tahoe better than average off - road capabilities.

Awards: * ALG Best Residual Value * 2017 5 - Year Cost to Own Awards * 2017 Best Buy Awards * 2017 12 Best Family Cars * 2017 10 Most Awarded BrandsReviews: * Seating for up to nine passengers, standard V8 engine assures plenty of passing power and a substantial tow rating, nicely trimmed cabin is one of the best in the class, available two - speed transfer case gives the Tahoe better than average off - road capabilities.

One of the most significant features of the new platform is the integration of memory controller and graphics into the CPU which Intel says leads to a substantial reduction in cost, overall footprint and power.

Since most of the measures required to slow the warming, from greatly increasing energy efficiency to land reform in poor nations, would carry other great benefits, and since the probability of unprecedented change appears to be in the vicinity of 50 percent, a very large social effort, one incurring substantial costs, seems to us not simply justified but virtually mandatory.

Barnes & Noble says that before publishers enacted agency pricing, it could not compete against Amazon: «[a] s a result of Amazon's pricing (which priced most bestselling books sold by Barnes & Noble below Barnes & Noble's, and Amazon's, direct costs), Barnes & Noble was losing substantial money in an effort to compete with Amazon's pricing, and was unable to gain significant market share.»

As a result, most studies do not estimate the costs of implementing the strategy, which can be substantial.»

Most people will of course have their HUD or closing disclosure statement showing their original cost, but they also need to keep records of substantial improvements and their costs.

Enrolling in an extended debt repayment plan, like debt settlement or credit counseling, can wind up costing you a substantial amount of money in lost savings when you will need it most.

In most cases they lower the costs for the average investor substantially, while making it much easier for them to start investing, without the need for substantial initial assets.

In many cases, Garbutt said the tax savings could be substantial enough to outweigh the higher cost of living and a 20 per cent value - added tax on most goods and services.

Walsh warned shareholders and employees of the painful restructuring, cost reduction & rationalisation still to come, and then began systematically ticking each action item off his list: i) After one last kitchen sink loss in 2012 of EUR 116 million (mostly goodwill impairment), One51 actually recorded a net profit in 2013 for the first time in 7 years, ii) free cash flow increased from just EUR 1.1 million in 2011 to 15.4 million in 2013, iii) almost EUR 100 million was raised in two years from the sale of the plastic extrusion business, the disposal of stakes in Island Renewable Energy, Thirdforce, IFG, and (most significantly) Irish Continental Group, in addition to a substantial 2013 capital redemption from NTR, and iv) net debt (exc.

While we can not make claims as to why amateur, «moonlighting» or hobbyist developers aren't presenting at PAX Prime, we suspect the substantial financial cost of exhibiting and the degree of professionalism needed to put together an application package filter out all but the most committed applicants.

This strategy has been spurred in part by substantial solar tax credits, net - metering rules in place in most states, and the availability of solar financing that reduces or even eliminates the initial purchase price, replacing the up - front cost with monthly payments that extend over many years.

And it found: «Where extreme weather events become more intense and / or more frequent, the economic and social costs of those events will increase, and these increases will be substantial in the areas most directly affected.»

However, like most people who understand how the economics of our current system fit together, I regard the risk to our civilization from substantial increases to the cost / price of energy to be much higher.

In both cases, there is substantial uncertainty about the things we most care about and in fact, in the case of climate change, Martin Weitzman's Dismal Theorem concludes that calculations of the expected economic cost of climate change are dominated by the mathematical details of the low - probability / catastrophic - consequence tail of the probability distribution.

While there are substantial unmet legal needs, lawyers simply can't survive if they drop their rates to the level that cost - effectively addresses most ordinary legal needs.

«In general most firms do not provide the corresponding value one should expect in light of the substantial costs of all legal matters,» said one respondent, before praising Pallett Valo's «ability, talent, responsiveness, and reputation.»

Our Section 7 Extraordinary Educational Expense Lawyers warn you to Remember, when children embark on a program of education the cost of which is remarkably higher than that which would be the case in most other career paths at either university or college, there is a positive obligation on them (and on any custodial parent who seeks to recover a substantial portion of the cost of that education as an extraordinary expense) to enter into meaningful discussions with the parent who is expected to contribute.

In most personal injury cases, the plaintiff is expected to have made a respectably substantial effort to minimize the costs of treating their injuries.

The use of TAR helped to rapidly and accurately identify the most relevant data and significantly reduce the volume of documents to be reviewed, resulting in substantial cost and time savings for the client.

The difference in rates from one provider to the next is not always substantial, but for some folks, switching providers can reduce insurance costs by hundreds of dollars a year; getting quotes from multiple companies is, of course, the most direct way to identify how much you might save with a different company.

Most of our clients are a perfect fit for a term life insurance policy since it can cost less than a can a coke per day but provide a substantial amount of life insurance.

Since they are secondary forms of coverage, they do not cost as much to add to your policy as you might think; most drivers can get these elective options with fairly substantial coverage limits added to their Sioux City vehicle insurance for a relatively nominal price.

Most experienced insurance professionals have substantial key person knowledge for the real estate industry and can help the broker principal establish an amount sufficient to cover the anticipated costs of losing a key person in the organization.

If we have a tendency to exclude this specialty no depository financial institution, the distinction narrows, however, remains substantial, by $ 400 + in annual premiums; the foremost dearly - won quote would be five hundredths on top of the most cost - effective among the eight.

This money can be substantial given the amount of computing power and energy costs, but for most it is not incredibly lucrative.

While the performance gained by chaining two GPUs together can't be denied, not every game makes the most of a two - GPU setup, and the added cost is substantial.