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.
Plus, you need to
plan for long - term care
expenses,
as well
as health care costs, both of which Ponnapalli says are big
expenses that are often «not given
as much importance
as they deserve.»
Save the funds
as a contingency
plan in case something does go wrong or you experience a slow month and need the extra cash to cover operating
expenses and payroll.
To live by the 50/30/20
plan, a person would need to earn twice
as much
as their fixed
expenses, so GOBankingRates doubled the total cost of necessities to arrive at the total recommended take - home pay for each city.
Factors which could cause actual results to differ materially from these forward - looking statements include such factors
as the Company's ability to accomplish its business initiatives, obtain regulatory approval and protect its intellectual property; significant fluctuations in marketing
expenses and ability to achieve or grow revenue, or recognize net income, from the sale of its products and services,
as well
as the introduction of competing products, or management's ability to attract and maintain qualified personnel necessary for the development and commercialization of its
planned products, and other information that may be detailed from time to time in the Company's filings with the United States Securities and Exchange Commission.
Taking a few hours every weekend to grocery shop and meal
plan for the week will definitely save you money,
as dining out is the No. 1
expense for most households.
The BLS» housing category includes an array of
expenses (housekeeping, daycare, furniture, cell phone and internet
plans), but the bulk of the money goes toward paying rent or costs related to owning a home, such
as the monthly mortgage and property taxes.
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.
Cut to 24 hours later,
as she was entering
expenses into the 60 or so designated categories in Google Sheets and bemoaning the fact that she had already spent more than
planned this month, thanks to an annual renter's insurance payment.
And American Express, which has lived off corporate
expense plans, is struggling
as companies cut back costs.
In addition to the fixed cost of setting up a trust for the assets to be shared, companies must create a written
plan and communicate it to employees,
as well
as develop a recordkeeping system that accounts for earnings, losses,
expenses and distributions, according to the Department of Labor.
As far as Clinton's proposal goes, she'd give companies an expense incentive to set up a profit - sharing plan by offering a tax break of 15 percent on gains shared with employees, capped at 10 percent of a worker's salar
As far
as Clinton's proposal goes, she'd give companies an expense incentive to set up a profit - sharing plan by offering a tax break of 15 percent on gains shared with employees, capped at 10 percent of a worker's salar
as Clinton's proposal goes, she'd give companies an
expense incentive to set up a profit - sharing
plan by offering a tax break of 15 percent on gains shared with employees, capped at 10 percent of a worker's salary.
There are countless other fringe benefits you can offer, such
as achievement awards, adoption assistance, dependent care assistance, educational assistance, health savings accounts, group - term life insurance, retirement
plans and moving
expense reimbursements.
Calculate when you
plan for your business to break even — and
as unexpected
expenses or opportunities for impulse spending come up, go back to your projections and calculate how those purchases will delay your break - even point.
As the details of this plan become known, and as the political response builds from people who fear their taxes will be raised, and as they build a coalition with special interests who would lose out from other aspects of the proposal (like investors who do not like the proposed limitation on the deduction of business - interest expenses), this plan will become an enormous liabilit
As the details of this
plan become known, and
as the political response builds from people who fear their taxes will be raised, and as they build a coalition with special interests who would lose out from other aspects of the proposal (like investors who do not like the proposed limitation on the deduction of business - interest expenses), this plan will become an enormous liabilit
as the political response builds from people who fear their taxes will be raised, and
as they build a coalition with special interests who would lose out from other aspects of the proposal (like investors who do not like the proposed limitation on the deduction of business - interest expenses), this plan will become an enormous liabilit
as they build a coalition with special interests who would lose out from other aspects of the proposal (like investors who do not like the proposed limitation on the deduction of business - interest
expenses), this
plan will become an enormous liability.
It's important to
plan ahead and think through potential
expenses, Clark said, such
as real estate sales commissions, costs to prepare a home for sale, purchase of a home warranty, potential repairs resulting from a home inspection and moving
expenses.
«The type of hidden fees annuity investors should pay attention to are separate account [investment funds]
expense ratios; back - end sales charges; annual administration fees; mortality and
expense costs; any rider fees, such
as guaranteed income rider, death benefit riders [and] principal protection riders, to name a few,» says financial planner Joseph Carbone of Focus
Planning Group.
It might seem counter-intuitive to focus on saving money instead of paying off debt, but having a $ 1,000 emergency fund in place first provides a financial cushion so that unplanned
expenses, such
as medical bills and home repairs, don't completely derail your debt - repayment
plan.
Your money from your side hustle is best stashed in a high - yield savings account, where it can serve
as an emergency fund (ICYMI, you should always have between four to seven months» of
expenses in case things don't go
as planned).
Net worth is $ 690K excluding the 529
plan as that will pay for 8 years of college
expenses in CA for the kids, and excluding the house
as it does not give me returns.
Thus, the path dependency that political scientist Paul Pierson, 1997 has observed in pension reforms is not just an observed fact, but a desired characteristic.21 Threats to sustainability are typically identified
as expenditures rising above an acceptable level, and especially in prefunded DB
plans, volatility of pension contributions or accounting
expenses for pensions.
More expensive
plans often include advanced features such
as expense tracking, sales tracking, recurring invoices, automatic past - due billing, team functionalities, payroll services, advanced reporting capabilities, inventory tracking and purchase ordering.
Some context: In 2016, Facebook spent $ 3.8 billion (pdf) on salaries, servers, energy
expenses and other items it reports
as «cost of revenue» that are similar in nature to Telegram's spending
plans.
Examples include provisions that allow immediate
expensing or accelerated depreciation of certain capital investments, and others that allow taxpayers to defer their tax liability, such
as the deferral of recognition of income on contributions to and income accrued within qualified retirement
plans.
«Non-GAAP Income from Operations» is defined
as our non-GAAP income from operations (revenues less cost of revenues and operating
expenses, excluding the impact of stock - based compensation
expense and amortization of acquisition - related intangible assets),
as adjusted to exclude certain acquisitions and not including the impact of amounts payable under the Kokua Bonus
Plan.
On the other hand, with a $ 4,000 employer contribution to the employee's
plan, the employee gets the full $ 4,000 now and the employer gets to deduct the $ 4,000
as a business
expense.
Signs of the changes percolating in the retirement market were everywhere on Wednesday at Dimensional Fund Advisors» first - ever conference focused on the defined contribution space, from the jokes DFA's David Booth told at the
expense of the existing king of the retirement market, Fidelity, to the news of the investment product DFA is rolling out to serve
as a combination default option and lesson in responsibility for employees who are the least engaged in their retirement
planning.
Under the Bonus
Plan, our compensation committee, in its sole discretion, determines the performance goals applicable to awards, which goals may include, without limitation: attainment of research and development milestones, sales bookings, business divestitures and acquisitions, cash flow, cash position, earnings (which may include any calculation of earnings, including but not limited to earnings before interest and taxes, earnings before taxes, earnings before interest, taxes, depreciation and amortization and net earnings), earnings per share, net income, net profit, net sales, operating cash flow, operating
expenses, operating income, operating margin, overhead or other
expense reduction, product defect measures, product release timelines, productivity, profit, return on assets, return on capital, return on equity, return on investment, return on sales, revenue, revenue growth, sales results, sales growth, stock price, time to market, total stockholder return, working capital, and individual objectives such
as MBOs, peer reviews, or other subjective or objective criteria.
Program
expenses were up only 0.4 per cent,
as the ending of most of the stimulus spending in the Economic Action
Plan and lower employment insurance benefits nearly offset increases in transfers to other levels of governments (spending in this area is largely set in legislation) and in elderly benefits.
The couple budgeted loan payments into their regular monthly
expenses, making a payoff
plan together and discussing their loans
as part of their bigger financial goals and dreams.
If we terminate Mr. Drexler's employment without cause or he terminates his employment with good reason, Mr. Drexler will be entitled to receive (i) a payment of his earned but unpaid annual base salary through the termination date, any accrued vacation pay and any un-reimbursed
expenses, and (ii) subject to Mr. Drexler's execution of a valid general release and waiver of claims against us,
as well
as his compliance with the non-competition, non-solicitation and confidential information restrictions described below, (a) a payment equal to his annual base salary and target cash incentive award, one - half of such payment to be paid on the first business day that is six (6) months and one (1) day following the termination date and the remaining one - half of such payment to be paid in six equal monthly installments commencing on the first business day of the seventh calendar month following the termination date, (b) a payment equal to the product of (x) the last annual cash incentive award Mr. Drexler received prior to the termination date and (y) a fraction, the numerator of which is the number of days of service completed by Mr. Drexler in the year of termination and the denominator of which is 365, such amount to be paid on the first business day that is six (6) months and one (1) day following the termination date, and (c) the immediate vesting of such portion of unvested restricted shares and stock options
as provided and pursuant to the terms of the relevant grant agreements under our 2003 Equity Incentive
Plan.
As sponsors become more educated on
plan expenses and fiduciary responsibilities, they continue to opt out of complex fee arrangements in favor of fully - disclosed, transparent fee arrangements.
Reports indicate revenue sharing has been declining over the last few years — both in terms of the percentage of
plans including it and
as a portion of the
expense ratio.
This is more of a side - benefit, and not something we spent a lot of time considering
as a $ 20 / year fee isn't going to make a whole lot of difference overall when compared to the
plan's past - performance and overall management
expenses.
There are potential tax benefits to offering a
plan, because
plan contributions for the business owner are deductible
as a business
expense.
In the 2006 Budget, the government promised to reduce the deficit by $ 3 billion per year; to reduce the federal debt - to - GDP ratio to 25 per cent by 2012 - 13; to eliminate the total government sector debt (which includes the federal, provincial and local governments
as well
as the Canada and Quebec pension
plans) by 2021; and finally, to keep the growth in program
expenses below the rate of growth in nominal GDP.
Use this worksheet to
plan your monthly
expenses so you put
as much
as possible toward retirement.
Expenses that fit within the plan must have a business connection and may include travel expenses, including meals and entertainment, as well as supplies purchased for b
Expenses that fit within the
plan must have a business connection and may include travel
expenses, including meals and entertainment, as well as supplies purchased for b
expenses, including meals and entertainment,
as well
as supplies purchased for business.
Some
plans offer holders the ability to withdraw money early without the 10 percent IRS penalty due to hardship exemptions, such
as certain medical
expenses, avoiding foreclosure, and funeral and burial
expenses.
Unlike 529
plans, you can use withdrawals for any college
expenses,
as long
as they benefit the child.
Small - business owners should save for their children's college
expenses the same
as other parents — by setting up an automatic transfer from their bank account to the college savings
plan.
Some
plans may even allow you to take hardship withdrawals for less gloomy situations, such
as buying your first home and paying for college
expenses for yourself, your spouse, or your children.
Unlike DC
plans, withdrawals from the account are also tax - free
as long
as they are used to pay for medical
expenses.
Adjusted EBITDA is defined
as net income / (loss) from continuing operations before interest
expense, other
expense / (income), net, provision for / (benefit from) income taxes; in addition to these adjustments, the Company excludes, when they occur, the impacts of depreciation and amortization (excluding integration and restructuring
expenses)(including amortization of postretirement benefit
plans prior service credits), integration and restructuring
expenses, merger costs, unrealized losses / (gains) on commodity hedges, impairment losses, losses / (gains) on the sale of a business, nonmonetary currency devaluation (e.g., remeasurement gains and losses), and equity award compensation
expense (excluding integration and restructuring
expenses).
The primary drivers of the increase in accrued
expenses were $ 9.4 million due to our change from a quarterly management bonus
plan to an annual bonus
plan and $ 8.2 million due to the timing of interest payments
as well
as increases in a variety of other accrued
expenses associated with the overall growth in our business.
The rollover decision should reflect how the
plan from which assets would be distributed stacks up in comparison to the proposed IRA in terms of investment options, fees and
expenses, and services (such
as advice
planning tools).
GEORGE PAPADOPOULOS:
As open - enrollment season approaches, it's time to consider how your health - insurance plan can help with not just your medical expenses, but your taxes as wel
As open - enrollment season approaches, it's time to consider how your health - insurance
plan can help with not just your medical
expenses, but your taxes
as wel
as well.
In addition,
as part of our profit - sharing
plan, we pay 15.0 % of our pre-profit-sharing and pre-tax income to our teammates and
as a result, salaries, wages and benefit
expense will increase in the future if our level of pre-tax income increases.
«The main reason is if their fees will be higher in the IRA --[such
as] AUM fees, commissions,
expense ratios — it may make sense for them to keep it with the
plan provider.
Even in countries with social safety nets such
as government pension
plans, many people remain uncertain about how to achieve their retirement goals and dreams — and how to prepare for unexpected post-retirement
expenses.