A key implication of housing cost escalation is that it sorts people into and out of these cities based
on their financial ability, churning out a population that is increasingly well off.
Your universal life insurance rates may change depending
on your financial ability to contribute to the insurance payments.
When the rest of your life depends
on your financial ability to obtain the best medical care, to hire home nurses, to have medical equipment to help you function, you need to ensure that you are fully compensated for your present and future costs.
The owner is expected to make a signficiant contribution toward costs (40 - 60 %) depending
on financial ability.
Whether you retire now, Tina, should be based in part
on your financial ability to do so, but also on lifestyle considerations.
Risk tolerance also touches
on your financial ability to suffer losses without destroying your life.
Some debts will be able to paid off right away, while others need to be chipped away at, depending
on the financial ability of the individual.
Parents often make this choice based
on financial ability as well as fit factors.
look even the mighty Madrid are heavily reliant
on their financial ability.
Not exact matches
Important factors that could cause actual results to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited to, the following: 1) our
ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability of new and maturing programs; 2) our
ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our
ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our
ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential for additional forward losses
on new and maturing programs; 5) our
ability to accommodate, and the cost of accommodating, announced increases in the build rates of certain aircraft; 6) the effect
on aircraft demand and build rates of changing customer preferences for business aircraft, including the effect of global economic conditions
on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result of global economic uncertainty or otherwise; 8) the effect of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange rates; 9) the success and timely execution of key milestones such as the receipt of necessary regulatory approvals, including our
ability to obtain in a timely fashion any required regulatory or other third party approvals for the consummation of our announced acquisition of Asco, and customer adherence to their announced schedules; 10) our
ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our
ability to enter into profitable supply arrangements with additional customers; 12) the
ability of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk of nonpayment by such customers; 13) any adverse impact
on Boeing's and Airbus» production of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts of terrorism; 14) any adverse impact
on the demand for air travel or our operations from the outbreak of diseases or epidemic or pandemic outbreaks; 15) our
ability to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns
on pension plan assets and the impact of future discount rate changes
on pension obligations; 17) our
ability to borrow additional funds or refinance debt, including our
ability to obtain the debt to finance the purchase price for our announced acquisition of Asco
on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect of changes in tax law, such as the effect of The Tax Cuts and Jobs Act (the «TCJA») that was enacted
on December 22, 2017, and changes to the interpretations of or guidance related thereto, and the Company's
ability to accurately calculate and estimate the effect of such changes; 21) any reduction in our credit ratings; 22) our dependence
on our suppliers, as well as the cost and availability of raw materials and purchased components; 23) our
ability to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and other governments
on defense; 25) the possibility that our cash flows and our credit facility may not be adequate for our additional capital needs or for payment of interest
on, and principal of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness of any interest rate hedging programs; 28) the effectiveness of our internal control over
financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our
ability to effectively assess, manage and integrate acquisitions that we pursue, including our
ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our
ability to consummate our announced acquisition of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and other business disruptions for ourselves and Asco as a result of the acquisition; 33) our
ability to continue selling certain receivables through our supplier financing program; 34) the risks of doing business internationally, including fluctuations in foreign current exchange rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our
ability to complete the proposed accelerated stock repurchase plan, among other things.
Actual operational and
financial results of SkyWest, SkyWest Airlines and ExpressJet will likely also vary, and may vary materially, from those anticipated, estimated, projected or expected for a number of other reasons, including, in addition to those identified above: the challenges and costs of integrating operations and realizing anticipated synergies and other benefits from the acquisition of ExpressJet; the challenges of competing successfully in a highly competitive and rapidly changing industry; developments associated with fluctuations in the economy and the demand for air travel; the
financial stability of SkyWest's major partners and any potential impact of their
financial condition
on the operations of SkyWest, SkyWest Airlines, or ExpressJet; fluctuations in flight schedules, which are determined by the major partners for whom SkyWest's operating airlines conduct flight operations; variations in market and economic conditions; significant aircraft lease and debt commitments; residual aircraft values and related impairment charges; labor relations and costs; the impact of global instability; rapidly fluctuating fuel costs, and potential fuel shortages; the impact of weather - related or other natural disasters
on air travel and airline costs; aircraft deliveries; the
ability to attract and retain qualified pilots and other unanticipated factors.
To put those scores in perspective, a student with baseline
financial literacy skills — including the
ability to apply the concept of value for money and identify relevant
financial information
on items such as invoices — would score somewhere in the range of 400 to 475.
Such risks, uncertainties and other factors include, without limitation: (1) the effect of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including
financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels of end market demand in construction and in both the commercial and defense segments of the aerospace industry, levels of air travel,
financial condition of commercial airlines, the impact of weather conditions and natural disasters and the
financial condition of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among other things integration of acquired businesses into United Technologies» existing businesses and realization of synergies and opportunities for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the level of other investing activities and uses of cash, including in connection with the proposed acquisition of Rockwell; (7) delays and disruption in delivery of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our
ability to realize the intended benefits of organizational changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and industries; (12) the outcome of legal proceedings, investigations and other contingencies; (13) pension plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of changes in political conditions in the U.S. and other countries in which United Technologies and Rockwell Collins operate, including the effect of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU,
on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect of changes in tax (including U.S. tax reform enacted
on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the
ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition
on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger
on the market price of United Technologies» and / or Rockwell Collins» common stock and / or
on their respective
financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the
ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.
I had
financial security, the
ability to take the time off I needed, and a job that I did not just believe in, but where it's actually OK to spend all day
on Facebook.
The Healthcare Reform Law, including The Patient Protection and Affordable Care Act and The Healthcare and Education Reconciliation Act of 2010, could have a material adverse effect
on Humana's results of operations, including restricting revenue, enrollment and premium growth in certain products and market segments, restricting the company's
ability to expand into new markets, increasing the company's medical and operating costs by, among other things, requiring a minimum benefit ratio
on insured products, lowering the company's Medicare payment rates and increasing the company's expenses associated with a non-deductible health insurance industry fee and other assessments; the company's
financial position, including the company's
ability to maintain the value of its goodwill; and the company's cash flows.
There are machine learning applications like RecargaPay, the mobile wallet focused
on financial services for the unbanked, that enable the consumer's
ability to self - serve thanks to digital capabilities.
The United States
on Wednesday declared North Korea a «primary money laundering concern,» and moved to further block its
ability to use the U.S. and world
financial systems to fund its weapons programs.
On top of that, New York's
financial regulator may suspend the bank's
ability to transact dollar - clearing activities, which will target the bank's trade - finance unit that is at the heart of the sanctions - violation charges.
There are really three factors that go into the
ability to pay off indebtedness: first, the size of the debt itself (including the rate at which it grows); second, the ratio of one's income or assets to the debt; and third, the competing demands
on your
financial resources.
That was the year new
financial regulations came into play, clamping down
on banks»
ability to trade for themselves and forcing them to set aside more capital.
His comments come after the IMF in October said that Canada's high debt levels, and higher - than - average pressure
on Canadian households»
ability to pay down that debt in the private non-
financial sector, leaves its economy more sensitive to tighter
financial conditions and weaker economic activity.
Important factors that could cause our actual results and
financial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our ability to successfully and profitably market our products and services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on For
financial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our
ability to successfully and profitably market our products and services; the acceptance of our products and services by patients and healthcare providers; our
ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our
ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our
ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of
Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on For
Financial Condition and Results of Operations sections of our most recently filed Annual Report
on Form 10 - K and our subsequently filed Quarterly Reports
on Form 10 - Q.
Although the banks say the moves would be legal procedures that would have a minimum impact
on their operations and jobs in Scotland, their warnings intensified concerns about an independent Scotland's
ability to retain businesses — particularly during the months of
financial uncertainty that would follow a vote to break the 307 - year union with England.
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).
Actual results may differ materially from those expressed or implied in the forward - looking statements as a result of various factors, including but not limited to: our substantial increased indebtedness as a result of the 2015 Recapitalization and the 2017 Recapitalization and our
ability to incur additional indebtedness or refinance that indebtedness in the future; our future
financial performance and our
ability to pay principal and interest
on our indebtedness.
Our
ability to restructure or refinance our debt will depend
on the condition of the capital markets and our
financial condition at such time.
In that case, monetary policy's
ability to get in all the cracks of the
financial system — to paraphrase former Federal Reserve Governor Jeremy Stein — would give it a more powerful influence
on financial stability.8
They provide an intuitive interface to set up automatic deposits, a customized investment strategy based
on your unique
financial situation and preferences, along with the
ability to automatically invest extra funds from your checking account within minutes.
Choosing what type of student loan works for you will depend
on your
ability to absorb
financial risk and the amount of student loan debt you will have.
Hensarling and other Dodd - Frank critics have called that
ability — known as «orderly liquidation authority» — a bailout, even though any taxpayer money used is supposed to be recouped from the sale of the company's assets or an assessment
on the
financial industry.
The type of interest rate you choose will depend
on a number of factors, including the amount you borrow and your
ability to withstand
financial risk.
The legislation also would eliminate the
ability of regulators to shut down large
financial firms if they were
on the verge of failing if they threaten the stability of the
financial system, a safety net that the big banks would like to keep in place.
Given those durations, an investor with 15 - 20 years to invest could literally plow their entire portfolio into stocks and long - term bonds, in expectation of very high long - term returns, with the additional comfort that their
financial security did not rely
on the direction of the markets, thanks to the
ability to reinvest generous coupon payments and dividends.
Projects are not evaluated based
on financial wealth, but rather
on the
ability to successfully complete the proposed project.
«By taking charge of their earning power, rather than waiting for governments,
financial institutions and employers to «right themselves,» the baby boomer generation now has the power and access to put their skills and
abilities on the global market regardless of where they live or work now,» he says.
Forward - looking statements may include, among others, statements concerning our projected adjusted income (loss) from operations outlook for 2018,
on both a consolidated and segment basis; projected total revenue growth and global medical customer growth, each over year end 2017; projected growth beyond 2018; projected medical care and operating expense ratios and medical cost trends; our projected consolidated adjusted tax rate; future
financial or operating performance, including our
ability to deliver personalized and innovative solutions for our customers and clients; future growth, business strategy, strategic or operational initiatives; economic, regulatory or competitive environments, particularly with respect to the pace and extent of change in these areas; financing or capital deployment plans and amounts available for future deployment; our prospects for growth in the coming years; the proposed merger (the «Merger») with Express Scripts Holding Company («Express Scripts») and other statements regarding Cigna's future beliefs, expectations, plans, intentions,
financial condition or performance.
While the elements of the Total Rewards Program are intended to motivate and encourage employees at all levels of HP to drive performance, there is a different emphasis
on certain elements of the Total Rewards Program based
on an employee's position and
ability to impact HP's
financial results.
This is what she seemed to be trying to get at
on Saturday when she decided to question Mr. Trudeau's
ability to understand the average Canadian's
financial situation (she expanded
on her concerns in her subsequent apology).
«Negative publicity or public opinion resulting from these matters may increase the risk of reputational harm to our business, which can impact our
ability to keep and attract customers, our
ability to attract and retain qualified team members, result in the loss of revenue, or have other material adverse effects
on our results of operations and
financial condition.»
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.
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.
The order is the first taken under the Puerto Rico Emergency Moratorium and
Financial Rehabilitation Act enacted this past week, which gives the governor emergency powers to deal with the fiscal crisis, including the
ability to declare a moratorium
on all bond payments.
The company blamed the slump in its
financials on its
ability to generate fees from investments due to a turn in market sentiment caused by the US hedge fund's targeting of its business.
The grand mufti elaborated
on his position by stating many of the typical concerns surrounding cryptocurrencies including their cryptographically controlled issuance, lack of central authority and regulation by
financial institutions, and their
ability to mask users» identities.
Things look equally bleak based
on metrics typically used by investors to evaluate a borrower's
ability to make payments: In Asia and Latin America, companies» debt now represents roughly four years of operating profits, up from fewer than two years prior to the
financial crisis of 2008.
This experiment is designed to provide customers with the
ability to view their total
financial holdings, including cryptocurrency accounts
on Coinbase, from the Fidelity online banking portal.
Even if an investor is willing to take risk, his
ability to take risk depends
on his current goals and
financial situation.
Depending
on the
financial institution, money market accounts can provide debit card and check - writing
abilities.
These firms base their ratings
on the bond issuer's
financial health and likely
ability to make interest payments and return the bondholders» principal.
«The long - term success of Switzerland's
financial centre depends largely
on its
ability to innovate.