Besides all of
the possible financial benefits of choosing a hypothetical modern tontine over an annuity (continue reading Guo's piece for even more on that, or go to Amazon and read that entire textbook on it), there are some personal benefits, too.
We've already talked about
the possible financial benefits and the security of it should you be attached to a project that goes several seasons.
Not exact matches
Among the factors that could cause actual results to differ materially are the following: (1) worldwide economic, political, and capital markets conditions and other factors beyond the Company's control, including natural and other disasters or climate change affecting the operations of the Company or its customers and suppliers; (2) the Company's credit ratings and its cost of capital; (3) competitive conditions and customer preferences; (4) foreign currency exchange rates and fluctuations in those rates; (5) the timing and market acceptance of new product offerings; (6) the availability and cost of purchased components, compounds, raw materials and energy (including oil and natural gas and their derivatives) due to shortages, increased demand or supply interruptions (including those caused by natural and other disasters and other events); (7) the impact of acquisitions, strategic alliances, divestitures, and other unusual events resulting from portfolio management actions and other evolving business strategies, and
possible organizational restructuring; (8) generating fewer productivity improvements than estimated; (9) unanticipated problems or delays with the phased implementation of a global enterprise resource planning (ERP) system, or security breaches and other disruptions to the Company's information technology infrastructure; (10)
financial market risks that may affect the Company's funding obligations under defined
benefit pension and postretirement plans; and (11) legal proceedings, including significant developments that could occur in the legal and regulatory proceedings described in the Company's Annual Report on Form 10 - K for the year ended Dec. 31, 2017, and any subsequent quarterly reports on Form 10 - Q (the «Reports»).
«Though there could be some industrial logic to the speculated Time Warner - AT & T combination (similar to Comcast - NBC Universal in hindsight), we believe the upfront
financial benefits do not seem as readily apparent,» Kannan Venkateshwar and Amir Rozwadowski, analysts at Barclays, wrote in a recent report on the
possible deal.
Examples of such projects providing marginal
benefits are: improving
financial reporting systems through better information technology, minor tweaks to supply chain logistics, cutting back on marketing or increasing low - cost advertising (like social media), «rationalization» of head count, holding average wages as low as
possible, squeezing suppliers a little bit, not repatriating earnings to stave off taxation, refinancing rather than retiring debts, and the share buyback that is insensitive to a company's current stock price.
On the spending side of the ledger, the priorities have been agriculture support (after two weak monsoons), rural development spending, infrastructure investments and a massive structural shift to direct
benefit transfers deposited in the bank accounts of beneficiaries — made
possible by the extraordinary biometric identity card program (Aadhaar) covering 950 million people, and the impressive
financial inclusion initiative which has opened over 200 million new bank accounts for impoverished families.
However, to accomplish the most superior
benefits possible, you must set up the right loan for your needs and
financial situation.
Wenger doesn't need the pay cheque, he doesn't need to cow - tow to a man with no conceivable footballing insight and who cares nothing for the club beyond it's obvious
financial benefits, in fact, the only
possible explanation for this most unlikely of unions is the tens of millions of dollars Wenger has raked in since the relocation with little or no interference or expectations.
Just a year before its fall, the Rock testified to an all - party parliamentary group that «mutual status does not encourage efficiency... [our] success over eight years would not have been
possible under the old mutual model».1 But the report published by that very all - party group asserted that, bar the high salaries awarded to senior executives, the wave of demutualisation brought little
benefit to the
financial services sector and its customers.
However, even in this type of situation, the
financial benefit to the company of bringing in these employees ensures that it will do everything
possible to comply with the requirements.
Apart from the
financial savings to be made and income from the current government incentives, Cella felt it was important for the
benefit of future generations to preserve the stocks of fossil fuels for as long as
possible.
And that doesn't even take into account the state's fiscal crisis over how to pay for rising pension and
benefit costs — which is sure to further limit any
possible financial relief for schools.
«It's to our
benefit to spend less time parsing the
financial impacts of charter schools and as much time as
possible making all the educational options available to kids better.
We follow the Department for Education's Academies
Financial Handbook to ensure that the public money we are entrusted with is spent as fairly and efficiently as
possible, and to the maximum
benefit of our students.
Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors,
possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain,
possible risks associated with data privacy, information security and intellectual property,
possible work stoppages or increases in labor costs,
possible increases in shipping rates or interruptions in shipping service, effects of competition,
possible risks that inventory in channels of distribution may be larger than able to be sold,
possible risks associated with changes in the strategic direction of the device business, including
possible reduction in sales of content, accessories and other merchandise and other adverse
financial impacts,
possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold,
possible risk that
financial and operational forecasts and projections are not achieved,
possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected
benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and
benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.
Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the effect of the proposed separation of NOOK Media, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors,
possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain,
possible risks associated with data privacy, information security and intellectual property,
possible work stoppages or increases in labor costs,
possible increases in shipping rates or interruptions in shipping service, effects of competition,
possible risks that inventory in channels of distribution may be larger than able to be sold,
possible risks associated with changes in the strategic direction of the device business, including
possible reduction in sales of content, accessories and other merchandise and other adverse
financial impacts,
possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold,
possible risk that
financial and operational forecasts and projections are not achieved,
possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected
benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and
benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.
Refinancing can provide plenty of
financial benefits when done correctly, but homeowners need to make sure they do their research and follow through to achieve the best
possible home refinance.
The routine uses of this information include, but are not limited to, its disclosure to federal, state, or local agencies, to private parties such as relatives, present and former employers, business and personal associates, to consumer reporting agencies, to
financial and educational institutions, and to guaranty agencies in order to verify your identity, to determine your eligibility to receive a loan or a
benefit on a loan, to permit the servicing or collection of your loan (s), to enforce the terms of the loan (s), to investigate
possible fraud and to verify compliance with federal student
financial aid program regulations, or to locate you if you become delinquent in your loan payments or if you default.
The basic point is that with the
financial power of the federal government behind you, it's
possible to get mortgage financing with little down and other
benefits.
Still, just like all
financial products, it is important to get a debt consolidation loan at the best
possible terms so as to maximize the
benefits it offers.
When it's time to select the best
possible coverage for your home, you may
benefit from reviewing home insurance articles, which will educate you about the many available options in order to ensure you find the right coverage for your
financial needs.
Of course, that's really only useful if I can reproduce my original analysis & perspective — with the help of the
financials & my notes from that period, I think I can do just that (hopefully eliminating the
benefit of hindsight as much as
possible).
This will immediately lower monthly living expenses for your survivors, and ensure that your basic death
benefit will go as far as
possible in taking care of other
financial needs.
These investment vehicles make it
possible to own property, and reap the
financial benefits of doing so, without suffering the headaches of being a landlord.
Through Planned Giving, you can often make a more significant gift than you ever thought
possible, while maximizing the
financial and tax
benefits to you, your estate, and your family.
You can make a more significant gift to Pet Project Foundation than you ever thought
possible while maximizing the
financial and tax
benefits to you, your estate, or your family.
However, that «comfort» is vaguely analogous to a 50 - year old getting a heart transplant from a 20 - year old: in order to receive the the
possible longevity
benefit of the youthful heart, the recipient must first survive decades of a suppressed immune system function (not to mention the health and
financial costs of massive surgical trauma.)
To maximize the climate
benefits of subsidy reduction, however, the international donor community and international
financial institutions should provide support to ensure that new investments promote clean economic growth and resilience whenever
possible.
Considering the list of activities that are covered under RICO, it is also
possible that the case can be made that the IPCC and other «members» of the consensus are guilty of racketeering and fraud = for
benefit of the individual person committing i.e.,
financial gain, using propaganda to extend personal power.
[42] In other words, Part 7 (at least so far as it is concerned with
benefits following injury, rather than death
benefits) has two related objects: to compensate an insured person for a portion of the
financial loss accrued from temporary total disability caused by a motor vehicle accident; and, where
possible, to do so in a manner that brings about the end of the total disability by returning the injured person to employment or self - sufficiency.
Under the Inheritance (Provision for Family and Dependants) Act 1975, it is
possible for certain categories of people who for whatever reason have not
benefited from the deceased's Estate to make a claim for
Financial Provision.
Apart from the non-
financial factors (reputation, cultural fit, conflicts, strategic
benefits, etc.), law firms should carefully analyze the
financial implications of a
possible lateral transaction.
-- The prenup is not in writing: For a prenuptial agreement to be valid, it must be a written document, witnessed by outside parties — At least one party provided false information: The inclusion of untruthful information or even incomplete information will render a prenuptial agreement invalid — Pressure, duress or coercion: If one party forces the other to sign a prenuptial agreement, regardless of whom the document most
benefits, it will be invalid — The prenup was not read: If one or the other spouse does not read the prenuptial agreement, it is
possible the document could be challenged — Improper execution: To be valid, the agreement must be read and signed by both parties before the marriage occurs — Gross unfairness: While a prenuptial agreement gives the couple a great deal of flexibility in how they establish
financial rights, the court may decide not to enforce the prenup if it is grossly unfair to one of the parties
Our advice not only aims for the greatest
possible financial recovery on your accident claims, it also helps you get the most out of your own insurance coverage and any disability
benefits.
Until more focus on the
benefits of shared parenting on reducing
possible economic disadvantage occurs, we encourage spouses to think very hard about putting their
financial eggs into one basket with a breadwinner / homemaker formula versus a modern marriage.
But with workers» comp
benefits under attack and shrinking in many states, injured workers should not overlook
possible third - party actions for additional
financial support.
Our goal is to leave nothing on the table so that you can receive the maximum
financial benefit possible for your injury claim.
Furthermore, those of us who are lucky enough to earn good salaries will often choose to write off
possible claims even if the
financial benefits outweigh the direct costs simply because we don't want to deal with the problem, a luxury not afforded to those who make minimum wage.
In fact, many
financial and insurance professionals will recommend selecting the lowest death
benefit possible since the fees for the policy are based on the death
benefit and not the cash value account.
Companies do not have to be in
financial trouble to take away the death
benefit or income riders for new policies, and sometimes they try to change existing policies when
possible.
It is also
possible to surrender the policy in between, or take a loan on the policy to avail emergency
financial benefits.
This will immediately lower monthly living expenses for your survivors, and ensure that your basic death
benefit will go as far as
possible in taking care of other
financial needs.
• Introduce «menu selling» procedure which significantly streamlined customer handling tasks • Decrease interest paid by the customer, resulting in increased customer satisfaction, while keeping revenue at par with earlier
financial years • Close a lucrative deal with a multinational company, which resulted in $ 850,000 of revenue each year for the next 7 years • Confer with clients looking for financing and insurance coverage options for their vehicles • Provide customers with information on how to handle financing and insurance coverage by giving them a list of
possible options • Make financing arrangements with a view of minimizing impact on the selling gross of the company • Create and maintain relationships between financers and borrowers by placing clear instructions and timelines • Tie customers close to dealerships in a bid to ensure return business opportunities • Create and administer vehicle service contracts, offering mechanical coverage in a bid to generate F&I income • Control paperwork once deals are closed and ensure that all information from the customers» end is complete and accurate • Train and educate sales people to deliver information regarding the
benefits of protective products
Indigenous peoples have come into contact with human genome research predominantly as subjects of research in the Human Genome Diversity Project... The discussion of the ethics and legality of such research in the context of indigenous peoples should focus on issues of consent to becoming subjects in the HGDP, and of their
possible rights to enjoy the
benefits of the research,
financial, medical and anthropological.
Individual program outcomes, including
financial cost -
benefit estimates, are documented where
possible.
«My goal during my term as CP Cal Board President is to foster communication about the many
benefits of Collaborative Divorce and to encourage more legal,
financial, and mental health professionals to embrace this philosophy as a
possible solution for their clients,» said Weber.
CREA chose to reduce the obligations attached to using the REALTOR trademark, a decision they made for CREA's own corporate
financial benefit to ensure as many registrants as
possible could use it's trademark and then pay CREA licensing fees.
The real
financial benefit to acquiring millions in income - producing real estate is to legally pay as close to nothing in taxes as
possible.
We want the mortgage experience to be easy for our borrowers, but most importantly, we want them to reap every
benefit possible from homeownership,» said Brandon Story, chief strategy officer of Irving, Texas - based Pacific Union
Financial.
We want the mortgage experience to be easy for our borrowers, but most importantly, we want them to reap every
benefit possible from homeownership,» said Brandon Story, Chief Strategy Officer of Pacific Union
Financial.