Sentences with phrase «ones at financial risk»

If you're not persuaded by the somewhat existential prospect of an early death or becoming unable to work, there's one absolute certainty that can't be ignored: not having a term life insurance policy puts your loved ones at financial risk.

You do not want to put your loved ones at financial risk.

Not exact matches

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.

But as Steve Bowman, executive vice-president and chief credit and risk officer at GM Financial, noted back in 2006, «the downside is that they enticed one million people who had not intended to make a purchase into buying a vehicle.»

One way to mitigate this risk is to focus on disproportionately collecting businesses that have the financial strength necessary to survive even the darkest days of a period like 1929 - 1933 without having to issue stock at severely depressed prices (which, from an economic perspective, amounts to you, the old owner, having to sell off your ownership in exchange for a bailout).

How central banks assess risks to price and financial stability will determine the pace at which they will withdraw monetary accommodation, one of the key risks to the global growth cycle.

There is a sense that one should try and use all the tools at one's disposal, and that means fiscal tools, monetary tools, tools for intervention in financial institutions, and that there is more risk of doing too little than there is of doing too much.

Risk managers at financial firms rate cyber risk as the number one concern across all risk management activities, not just IT riRisk managers at financial firms rate cyber risk as the number one concern across all risk management activities, not just IT ririsk as the number one concern across all risk management activities, not just IT ririsk management activities, not just IT risks.

Specifically, Defendants made false and / or misleading statements and / or failed to disclose that: (i) the Company was engaged in predatory lending practices that saddled subprime borrowers and / or those with poor or limited credit histories with high - interest rate debt that they could not repay; (ii) many of the Company's customers were using Qudian - provided loans to repay their existing loans, thereby inflating the Company's revenues and active borrower numbers and increasing the likelihood of defaults; (iii) the Company was providing online loans to college students despite a governmental ban on the practice; (iv) the Company was engaged overly aggressive and improper collection practices; (v) the Company had understated the number of its non-performing loans in the Registration Statement and Prospectus; (vi) because of the Company's improper lending, underwriting and collection practices it was subject to a heightened risk of adverse actions by Chinese regulators; (vii) the Company's largest sales platform and strategic partner, Alipay, and Ant Financial, could unilaterally cap the APR for loans provided by Qudian; (viii) the Company had failed to implement necessary safeguards to protect customer data; (ix) data for nearly one million Company customers had been leaked for sale to the black market, including names, addresses, phone numbers, loan information, accounts and, in some cases, passwords to CHIS, the state - backed higher - education qualification verification institution in China, subjecting the Company to undisclosed risks of penalties and financial and reputational harm; and (x) as a result of the foregoing, Qudian's public statements were materially false and misleading at all relevaFinancial, could unilaterally cap the APR for loans provided by Qudian; (viii) the Company had failed to implement necessary safeguards to protect customer data; (ix) data for nearly one million Company customers had been leaked for sale to the black market, including names, addresses, phone numbers, loan information, accounts and, in some cases, passwords to CHIS, the state - backed higher - education qualification verification institution in China, subjecting the Company to undisclosed risks of penalties and financial and reputational harm; and (x) as a result of the foregoing, Qudian's public statements were materially false and misleading at all relevafinancial and reputational harm; and (x) as a result of the foregoing, Qudian's public statements were materially false and misleading at all relevant times.

But the roots are global as well and at least one of the roots is financial repression which is the major central bank's policies over the last nine years of recovery to drop interest rates to zero to buy risk assets, to push investors into risk assets and generate a lot of liquidity and credit.

And then of course one issue that has been at the forefront of European risks since the beginning of the crisis, the global financial crisis, is Greece.

but, im ok with this vardy transfer... it shows us many things: 1) wenger is changing, something some of us have been demanding for a long time; 2) it shows that wenger is taking risks: think about it, he is buying a men for a not cheap price, knowing he could not getting anything after, with a future sell i mean... this is an act that shows wengers intentions to win something, the buy is not motivated by any financial or economic reason but only for a «get the f epl once again» reason... this is an act that shows us hungry, even if we fail, we could said we try... first ever, we really try; 3) finally but very important... vardy is the kind of player we need... he is a warrior, a fighter... he has character... look at how he celebrate his goals... full of energy... he, like alexis, can motivate the team when the things are not going in our way (something wenger cant do because of his age and because he has never been an active coach on the pitch)... the vardy transfer, if it finish well, is a demostration of a change, and a good one... lets take care of winning things and do nt look the economic side for once... vardy is a bit old, but we can give a chance to welbeck after maybe, or akpom... u are not thinking about the future when we talk about ibra... guys: u complain when wenger do nt spend or because he is always looking for the bargain when u are the guys who has to pay the very expensive tickets... u complain when wenger buy the always for the future guy... like morata... stop to complain for everything and be consequent with yourself... i would love auba, but it is not going to happen... lukaku is awesome but the asking price is stupid... lets try with vardy, give us the throphy..

Despite how valuable Alexis is to this Arsenal team, the board will simply not risk a financial loss of that magnitude to keep one player at the club.

British security officials reacted with fury to the leaks, with one telling the Financial Times that lives were being put at risk.

One party insider said there has been a fierce debate within the Miliband circle between those who believe that the reforms are a key test of his leadership and that a failure to introduce radical change would substantially damage his credibility - and those who feel he risks putting the party's financial viability at risk by allowing union members to opt out of their so - called political levy contributions to the party.

Earlier Friday, at the Center for Strategic and International Studies (CSIS), the tone was one of mitigating environmental risks to preserve financial opportunities, rather than studying ecological concerns outright.

Next Page: People with bipolar aren't the only ones at risk [pagebreak] Harder times ahead for everyone In October, the World Health Organization warned that the global financial crisis is likely to cause increased mental health problems and even suicides as people struggle to cope with poverty and unemployment.

Two versions of the letter are being sent — one will be sent to trusts deemed to be at greater risk of financial difficulty, but the majority of MATs whose finances are not a concern will receive a different version.

One district warned that schools with an opt - out rate in excess of 5 percent would risk being designated «In Need of Improvement,» at which point the state could require a «re-allocation of financial and educational resources... [that] could be significantly detrimental.»

Having a supportive partner who is willing to let you take the risk is an AMAZING thing, no matter if it's husband or wife or otherwise, and if you succeed as well as some of these women have it's likely you're at least an equal financial partner if not the primary one.

If you're one of the 143 million Americans whose personal information was hacked, your financial records, Social Security Number, driver's license number, and home address may be at risk for identity fraud long after this story drops out of the headlines.

One way to arrive at a portfolio mix that jibes with your risk tolerance and financial needs is to go to a tool like Vanguard's risk tolerance - asset allocation questionnaire.

Investors make common mistakes at the best of times, but the risk of committing one of these six faux pas increases when stock markets swing and fear sets in, says Allan Small, senior investment adviser at Allan Small Financial Group a division of HollisWealth.

You have to take into account your overall financial situation and then determine how much money you should realistically and honestly have at risk in the market on any one trade... be honest with yourself here.

If you are currently in one of those financial down cycles or are being PCSd and are unable to afford two housing payments, and debts are at risk of being unpaid, short - selling your home may be an option to reduce your risk of foreclosure and further damage to your credit.

So, be aware of withdrawal provisions on your investments, both the formal ones listed in the prospectus or its equivalent, and the informal ones where ability to withdraw is suspended as a matter of fairness to all clients, and / or protecting a business at a financial firm (though risking lawsuits in the process).

But we don't want to be «joint» as she owns farmland and we've seen cases where one or the other gets into financial trouble or sued, etc., then we'd essentially be putting her assets at risk and dad's too.

But I can say that if you don't follow a plan along the lines of the one I've outlined above, the road to financial security will likely be a lot bumpier, and you'll run a higher risk of not reaching your destination at all.

No one should put their financial future at risk to help out a friend.

Stretching to meet a mortgage is placing your finances at great risk as one major setback can cause the whole house of (financial) cards to come down.

Ultimately, both are winning strategies at financial security, but as to how I determine which one is «more winning» depends on risk tolerance, cash flow security, and mortgage interest rate.

Some graphs that let you track rises and falls in popularity would at least let you attempt to judge whether a wave of love toward one genre or platform might not last much longer, or whether it's worth the financial risk.

It's a job which puts you at serious risk on numerous occasions, and one where dangerous or financial costly consequences are unfortunately all too common.

By adding tax capabilities the firm will be able to provide companies with expertise to deal with tax audits, investigations, disputes, and litigation as well as raids, tax evasion challenges, regulatory risk, and financial crime — all at one firm.

For instance, one person may move out and refuse to keep paying the mortgage, leaving the other at risk of financial ruin, mortgage repayment arrears and even repossession.

When business owners operate without a contract or operate under a faulty or one - sided agreement, it puts them at risk for disagreements from which it is difficult to recover financial damages and may shift the exposure to liability unfairly.

Aside from the financial risks that this entails — namely attracting a steady stream of paying clients — this puts a lot of responsibility on the solo attorney to be taking care of non-lawyer office and management tasks at the same time that he or she is trying to service clients while attracting new ones.

The financial resources a family is depending on to cover the costs of care for a loved one are often at risk.

We also include within the definition an organized system of health care in which more than one covered entity participates, and in which the participating covered entities hold themselves out to the public as participating in a joint arrangement, and in which the joint activities of the participating covered entities include at least one of the following: utilization review, in which health care decisions by participating covered entities are reviewed by other participating covered entities or by a third party on their behalf; quality assessment and improvement activities, in which treatment provided by participating covered entities is assessed by other participating covered entities or by a third party on their behalf; or payment activities, if the financial risk for delivering health care is shared in whole or in part by participating covered entities through the joint arrangement and if protected health information created or received by a covered entity is reviewed by other participating covered entities or by a third party on their behalf for the purpose of administering the sharing of financial risk.

Kennedy arrived at Sun Life Financial with a distinguished record of managing legal risk at complex institutions, having previously served as general counsel at Ontario Teachers» Pension Plan, one of Canada's largest pension funds, associate general counsel at The Canadian Imperial Bank of Commerce (CIBC), and head of the prosecution team at the Ontario Securities Commission.

While many people think that only young families with dependent children are good candidates for this type of insurance coverage, the reality is that people of all ages could end up leaving loved one at risk for financial hardship.

So, don't put the financial security of your loved ones at risk any longer.

While the debt can be paid off through careful budgeting and hard work, this situation puts couples at greater risk of financial disaster if one partner dies unexpectedly.

Life insurance, mortgage protection, and final expense policies are the perfect tool to generate cash when you need it the most... when a loved one or business partner dies and puts the people around them at great financial risk.

A staggering number of Kentucky drivers are uninsured, leaving you at a higher risk of one hitting you and causing financial havoc.

It may take only one substantial judgment or settlement to put your financial future at risk.

Last but not least, not having a medical plan is one way to avoid monthly premiums, but you put your physical and financial health at high risk by doing so.

If you have no life insurance and are at the risk of leaving financial burdens to your loved ones, then a life insurance policy is a smart move.

Felitti and colleagues1 first described ACEs and defined it as exposure to psychological, physical or sexual abuse, and household dysfunction including substance abuse (problem drinking / alcoholic and / or street drugs), mental illness, a mother treated violently and criminal behaviour in the household.1 Along with the initial ACE study, other studies have characterised ACEs as neglect, parental separation, loss of family members or friends, long - term financial adversity and witness to violence.2 3 From the original cohort of 9508 American adults, more than half of respondents (52 %) experienced at least one adverse childhood event.1 Since the original cohort, ACE exposures have been investigated globally revealing comparable prevalence to the original cohort.4 5 More recently in 2014, a survey of 4000 American children found that 60.8 % of children had at least one form of direct experience of violence, crime or abuse.6 The ACE study precipitated interest in the health conditions of adults maltreated as children as it revealed links to chronic diseases such as obesity, autoimmune diseases, heart, lung and liver diseases, and cancer in adulthood.1 Since then, further evidence has revealed relationships between ACEs and physical and mental health outcomes, such as increased risk of substance abuse, suicide and premature mortality.4 7

An inventory of life events was administered during the 1985 - 1986 maternal and offspring interviews to assess life events that the youths had experienced during the past 2 years: death of a loved one, failure to achieve an important goal, high risk of being fired or laid off from one's job, parental separation or divorce, the end of a romantic relationship or rejection by a romantic partner, serious injury or illness, serious fights with family members, serious financial problems, serious problems at school or work, trouble with the law, and having experienced a crime or an assault.