Sentences with phrase «reduce financial opportunities»

They can help buy that first home but also reduce financial opportunities.

Not exact matches

Vendors of financial services that invest in new technologies and data management will further reduce costs and deliver new digital capabilities to deliver significant revenue opportunities.»

Such risks and uncertainties include, but are not limited to: our ability to achieve our financial, strategic and operational plans or initiatives; our ability to predict and manage medical costs and price effectively and develop and maintain good relationships with physicians, hospitals and other health care providers; the impact of modifications to our operations and processes; our ability to identify potential strategic acquisitions or transactions and realize the expected benefits of such transactions, including with respect to the Merger; the substantial level of government regulation over our business and the potential effects of new laws or regulations or changes in existing laws or regulations; the outcome of litigation, regulatory audits, investigations, actions and / or guaranty fund assessments; uncertainties surrounding participation in government - sponsored programs such as Medicare; the effectiveness and security of our information technology and other business systems; unfavorable industry, economic or political conditions, including foreign currency movements; acts of war, terrorism, natural disasters or pandemics; our ability to obtain shareholder or regulatory approvals required for the Merger or the requirement to accept conditions that could reduce the anticipated benefits of the Merger as a condition to obtaining regulatory approvals; a longer time than anticipated to consummate the proposed Merger; problems regarding the successful integration of the businesses of Express Scripts and Cigna; unexpected costs regarding the proposed Merger; diversion of management's attention from ongoing business operations and opportunities during the pendency of the Merger; potential litigation associated with the proposed Merger; the ability to retain key personnel; the availability of financing, including relating to the proposed Merger; effects on the businesses as a result of uncertainty surrounding the proposed Merger; as well as more specific risks and uncertainties discussed in our most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.cigna.com as well as on Express Scripts» most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.express-scripts.com.

The platform allows investors to identify screened investment opportunities, reducing the time and cost burden of due diligence, and provides ventures and funds with increased access to capital and financial expertise at low cost.

In addition, the narrow focus of Canada's equities markets in three sectors — financials, energy and materials — further reduces opportunities for diversification.

While the oil bust hurt their near term financial results, it also gave them an opportunity to execute on their acquisition strategy during a period of greatly reduced prices for target companies.

We believe adopting a free same - day delivery would necessarily reduce the upsell opportunities and undermine the financial viability of the thousands of brick and mortar locations that are the backbone of the industry.

It gives you the opportunity to give both children plenty of attention in their early lives, it reduces sibling rivalry, and it gives you the opportunity to get yourself into a good financial position before having your second child.

Next week's Autumn Statement represents a significant opportunity for George Osborne to reduce the financial burden on Whitehall and at the same time kick - start growth across the country.

Getting out of debt provides multiple benefits from reducing stress to creating new financial opportunities.

Equity Stubs: These opportunities are defined as stocks sold at greatly reduced prices due to financial difficulties.

For student borrowers who run into financial trouble, ReliaMax offers a variety of repayment options as well as the opportunity to qualify for forbearance, which can reduce or temporarily eliminate payments.

I prefer to look at today's low interest rates as a great opportunity to reduce principle today, shelter principle from higher interest rates in future, and increase financial flexibility in years to come.

We usually try to avoid going directly to, or building a relationship with, financial product providers themselves, to reduce opportunities for them to exert pressure (which we'd ignore anyway).

Unnecessary or inflexible investing rules — whether it pertains to valuation, financial stability, or diversification — increase opportunity costs and reduce chances for investment appreciation.

In my role as a financial writer and editor, I specializes in unique, overlooked investment strategies, growth with income stocks, imaginative investment themes, tax - advantaged themes, risk management, technologies to capture gains and reduce losses, real estate related opportunities, effective wealth preservation techniques, and the use of ETFs for diversification and asset allocation.

If nothing else, the opportunity to buy gift cards at a variety of locations and with a variety of cards can help reduce the likelihood of fraud alerts and financial reviews.

Conversely, regions with the greatest technological, financial, and capacity advantages face much reduced opportunities for low ‐ cost strategies to move towards low ‐ carbon development, as they suffer from lock ‐ in in terms of energy systems, urbanization, and transportation patterns.

This myth states that, despite the 2008 financial crash and reduced professional opportunities for Millennials, young people's greatest problem is themselves.

Well - suited for individuals in complex family, financial, and business circumstances, alternative dispute resolution approaches, such as family mediation and family arbitration, offer you the benefits of greater privacy, a less formal process, more control over your outcomes, improved communication, reduced negative impacts on children, more timely settlement, reduced costs, and greater opportunity to preserve your family relationships and arrive at mutually agreeable arrangements.

Loss of future earnings (financial loss due to the inability to work, reduced earning capacity and loss of future opportunity)

Accountant — Samson and Holmes Finance Corporation, Saratoga Springs, NY — 2/2008 — 8/2013 • Performed duties such as account processing, budgeting, and payroll on a daily basis • Discovered billing mistakes that caused the company $ 500,000 in double charges, and took appropriate action to successfully recover the full amount • Handled fixed assets, loan accounting, budget reviews and forecasts, and financial reports • Provided quarterly budget goals for both the overall company and individual departments within the company • Maintained the general ledger, compiled internal auditing reports, and recommended financial strategies to increase profits and reduce spending • Monitored industry trends, the economy, and other financial factors to determine risks and areas of profit opportunity

1/1/2012 — 7/1/2014 Manager of Finance and Accounting McKinley Marketing Partners — Alexandria, VA Identified opportunities to improve reporting, communication, and financial strategy, and recommended strategic alternatives to reduce costs and improve financial performance.

Spa Director — Duties & Responsibilities Lead through example with consistent work ethic, attitude, and professionalism, executing spa and salon administration functions, overseeing sales and marketing operations, and implementing cutting - edge industry techniques and trends Collaborate in all phases of strategic planning with other members of management team, including product inventory control, marketing and sales strategies, product and service offerings, client service, event coordination, and area competition Provide continuous assessment of key markets, potential customers, and capital utilization, while furnishing oversight and guidance regarding policies and procedures, budgets and financial forecasts, and client experience considerations Perform needs - based and situational assessments of policies and procedures to improve operational efficiency, manage and reduce costs, promote both employee and client satisfaction, and deliver a luxurious experience to high - profile clientele Identify and utilize talent among team members with focused training efforts, targeted professional recruitment, continued supervision of 40 staff, and the promotion of a performance - based environment leveraging individual talents for group benefit Develop and supervise support staff to aid in effective sales, marketing, and service operations, delegating important tasks and assignments while providing timely follow - up to ensure task completion, including newsletter and article distribution Ensure effective execution of all administrative, HR, and financial aspects of business management, while analyzing and presenting important information to executive staff, stakeholders, and other relevant parties Address key client and management queries and resolve them in an expedited manner, promoting sustained revenue growth through client retention, referral generation, and the leveraging of cross-sales opportunities Create and implement firm marketing and sales strategies while tracking performance versus internal and external benchmarks, focusing on both revenue generation as well as cost control Maintain a strong working knowledge of products, services, techniques, and relevant tools, while committing to continued advanced technical education with respect to complex spa, salon, and fitness concepts and studies Act as a liaison between clients, vendors, sales and support staff, and other management partners to facilitate information flow and drive operational efficiency

The Chasm Group, LLC and Chasm Institute, LLC (San Bruno, CA) 1997 — 2008 Business Operations Manager • Managed all daily operational tasks for leading multi-million dollar high - tech market strategy consultancy, while providing executive administration to C - level executives and venture capital partners • Developed and managed the firm's annual budget, proposing and implementing expense cuts, producing monthly reports and financial statements, and coordinating with CPA firm for accurate and timely filings • Oversaw all client relationship management efforts while cultivating new business efforts from concept to implementation, providing high - quality service in sales efforts while utilizing new lead tracking system • Negotiated and managed all contracts, stock grants, and financing arrangements, working closely with outside counsel to draft legal documents and resolve LLC - and proprietary - related issues • Led three office space build - outs and two office relocations, managing all aspects of each process under aggressive timeline and budget expectations • Reduced firm telecom expenses by 22 % by streamlining IT objectives, including migration to VOIP phone system, software / hardware purchases, domain renewals, and outsourced technical support • Directed all phases of staff recruitment while creating and implementing all HR policies and programs, including comprehensive employee benefits plans • Supervised multiple administrative staff members, conducted performance appraisals and wage / salary surveys in comparison to incentive program guidelines, and maintained HR files in accordance with legal mandates • Produced all out - going client invoices in an accurate and timely fashion to increase, cash flow and reduce aging receivables, providing consistent attention to overhead costs and vendor arrangements • Administered all company insurance policies, including E&O, general liability, bonds, partner life and disability, conducting annual benefits reviews and employee / company insurance audits • Obtained necessary certificates for consulting contracts while processing federal, state, and local business reporting requirements to maintain licenses and incorporation status • Directed all marketing efforts and oversaw logistical aspects of national educational workshop series, utilizing sponsorship arrangements to offset production costs • Transformed «brochure» website into a dynamic tool to better illustrate company opportunities through relevant case studies, as well as maintaining all other promotional media, including press kits and video Association of California School Administrators (Burlingame, CA) 1993 — 1997 Issues and Planning Committee Coordinator • Executed all phases of event planning and implementation for a membership - driven organization including 23 state committees, 5 task forces, 6 strategic planning conferences, and a conference of 1,500 attendees • Focused on facility evaluations, bid requests, site visits, contract negotiations, and all pre - and post-conference planning processes • Produced statistical and financial reports, including budget projections and cost monitoring for developmental training efforts • Oversaw all participant - level responsibilities, including inquiries, eligibility, registration, correspondence, and billing statements • Managed all legal professional standards calls for Northern California regions, including the processing of attorney authorizations, the preparation of legal assistance letters, and liens on cause of action • Served as second point of contact for computer inquiries and troubleshooting efforts as well as provided back - up executive administrative support for Executive Director, Committee Chairs, and the State Superintendent of Public Instruction • Held responsibility for software installation and hardware configuration while performing weekly AS / 400 backup and report generation

But the critical advantages of CL (and mediation, in appropriate cases) are (a) the reduced psychological and financial costs for the parties and their children, and (b) the opportunity to use creative problem - solving, instead of adversarial negotiation and reluctant compromise, to craft solutions that more fully meet the parties» fundamental interests.

It exists to care for orphans by engaging the church and helping Christian families reduced the financial burden of adoption through, special grants and fundraising opportunities.

The luncheon includes an opportunity to learn about A Family Place and provide financial support for our mission to reduce child abuse, neglect and foster placements in Yamhill County.

Creating Opportunity for Families: A Two - Generation Approach describes a new approach to reducing poverty, which calls for connecting low - income families with early childhood education, job training and other tools to achieve financial stability and break the cycle of poverty — and recommends ways to help equip parents and children with what they need to thrive.

By taking the small step of separating certain functions, you can greatly reduce the opportunity for — and thus the incidence of — financial fraud in your brokerage.

Locating a much better refinance Ameriprise Financial mortgage rates can provide you with the opportunity to reduce your current mortgages payment or perhaps possibly reduce the time required to advantageous your current mortgage.