Sentences with phrase «substantial financial impact»

Expenses associated with death, such as caskets and embalming, can have a substantial financial impact on those you love.

Our products are specifically designed to cover final expenses and offer additional protection for risks such as loss of income, mortgage cancellation, education expenses, and debt repayment — all which can have a substantial financial impact on those you love.

Our products are specifically designed to cover final expenses and offer additional protection for risks such as loss of income, mortgage cancellation, education expenses, and debt repayment — all which can have a substantial financial impact on those you love.

Shipping your products off to retailers is sexy and easy, but it could have a substantial financial impact on your business.

In addition to the substantial financial impact of closing those stores, laying off all of the people was one of the most difficult business decisions of my life.

Not exact matches

More than 60 % of the business leaders felt the weakening financial situation down south would have a modest impact on Canada, while 34 % said the effect would be substantial.

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 economic impact of the regional financial crisis has been seen in some sharp declines in production and substantial adjustments in current account positions.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

«The financial impact of these tariffs will be felt even before they are implemented because the targets of these retaliatory tariffs will begin to experience a substantial drop in export sales almost immediately due to supply chain disruptions.

«The fact is that the financial impact of these tariffs will be felt even before they are implemented because the targets of these retaliatory tariffs will begin to experience a substantial drop in export sales almost immediately due to supply chain disruptions.»

The financial impact is substantial.

Substantial evidence shows that technology has a positive financial impact, but for best results, schools need to invest in the re - engineering of schools, not just technology itself.

Conduct in - depth research and outreach to identify new challenges and opportunities for resolving civil rights problems facing or impacting DOT as an employer and / or as an agency that provides substantial federal financial assistance.

Building a solid credit history and maintaining a high credit score is essential, and it can have a substantial impact on your overall financial life, both now and in the future.

Maintaining the program past the original termination date would have a negative financial impact on the MMI Fund that would have to be offset by either substantial across - the - board single family program premium increases or the suspension of FHA's single family insurance programs altogether.»

And with finance expense a mere 5 % of trading profit, Kingspan's got substantial firepower to pursue more earnings - enhancing acquisitions (without impacting valuation, or imposing undue financial risk).

Getting a great interest rate for your savings account can have a substantial impact on your financial future.

Mr. Obama would also have to greatly intensify a theme he has already been pushing, but with little impact so far: the need for the United States to build a new generation of engineers, scientists, entrepreneurs and community and business leaders with the technical skills and globe - spanning relationships to forge substantial social, financial and technological breakthroughs.

When these actions are brought against a large corporate defendant, punitive damages are often substantial, in order to make a noticeable impact on the defendant's financial situation.

«But we consider that, depending on the technology's eventual application and whether it takes hold in the financial industry, it could have a substantial impact on institutions» business models.»

«The changes to come over the next 10 years will be less visible than the global financial crisis or the bursting of the dot - com bubble — and yet their impact on banking's economics and even fundamental business models will be much more substantial,» McKinsey claims.

Substantial family identified service needs and / or significant impact on the family (eg, financial burden).

Getting a divorce in Wisconsin may have substantial impact on your income and financial obligations.

After all, even seemingly small adjustments — an extra $ 500 per transaction or a loss of $ 500 per transaction over the long haul — still can have a substantial impact on your financial success.