Sentences with phrase «term financial challenges»

It also offers options for handling sudden expenses, like costs associated with a medical issue or emergency home repair, or longer - term financial challenges, like college tuition or outstanding debt.

The plan outlined below would allow SHI to achieve their initial goal, resolve short and long term financial challenges at Axcelis, and importantly create significant value for shareholders.

Should you encounter short - term financial challenges, you've got the option to back off to the 30 - yr payment without offending the lender.

To prepare for short - term financial challenges, it's a good idea to leave a cash flow cushion in your business...

In a crisis, you've got the option to cut back your mortgage payment to $ 491, and that could really make a difference, particularly in a short - term financial challenge like a layoff.

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.

Just consider the financial risks entrepreneurs run, for example, if they give company stock to their children as part of a long - term estate - planning strategy — only to have the IRS step in years later and challenge the claimed taxable value of the gifts.

«China continues to be its own entity in terms of its challenges and the characteristics of the market,» said chief financial officer David Wells.

Taking a smaller annual income is beneficial in qualifying for loan forgiveness, but it may lead to challenges in setting aside savings for long - term financial goals.

Achievement of these goals was considered by the HRC as very challenging, even aggressive, given the expected modest economic growth for 2007 for the financial services industry, the impact and duration of the on - going flat / inverted yield curve (meaning short - term interest rates that are virtually equal to or exceed long - term interest rates, thus lowering profit margins for financial services companies that borrow cash at short - term rates and lend at long - term rates), potentially higher credit losses, fewer available high - quality, high - yielding loans and investment opportunities, and a consumer shift from non-interest to interest - bearing deposits.

In her final report to Parliament, Shelia Fraser strongly encouraged the Government to publish long - term financial projections and engage Canadians in the decisions required to meet the upcoming challenges.

Read James Gorman's full essay, «The Long - Term Imperative for Financial Institutions: Finding innovative solutions to the challenges of the future will require stable capital markets and intermediaries,» a chapter from Perspectives on the Long Term.

«We are raising full year EPS guidance today due to the strength of our underlying operating performance of our first two quarters, despite the challenges facing Walmart U.S. in the short term, and the current economy,» said Tom Schoewe, executive vice president and chief financial officer.

And while federal loans come with their own set of challenges and risks, all 1.37 million private loan borrowers are often subject to fewer protections and less flexible repayment plans than those offered under federal loan agreements.Less accommodating repayment options and more rigid terms can quickly lead to private student loan defaults, which is a dangerous financial place to be.

«While branches are the best place to cement long - term customer relationships, they are also being challenged to evolve with the advent of artificial intelligence, robotics and increased digitization,» says Sanjay Sharma, senior financial services analyst at Mintel.

This review was not conducted on base salary alone but also included reviews of appropriate annual incentive compensation and long - term incentive compensation for other post-TARP companies in the Labor Market Peer Group and the ongoing market and legislative challenges facing financial services companies.

It's a challenge for Canadians still struggling to cope with the record amounts of consumer debt they amassed after the 2008 financial crisis because lenders use their prime rate as a benchmark for setting some other short - term rates including variable - rate mortgages and lines of credit.

Of course, as is the case with traditional forex trading, the profit potential is very tempting, but beware that entering the world of investment through short - term trading or day - trading often leads to steep losses, as it is one of the most challenging fields of financial markets.

In our legal special, we discover what it takes to succeed as a private equity lawyer; examine some of the challenges facing the industry since the financial crisis; find out why fund terms are lengthening, the advantages of integrating permanent capital into a fund structure, and the latest regulatory shift in Germany in our expert commentaries; all this and more.

The right financial advisor can help you create a long - term financial plan that keeps your investments on track and acts like a trusted partner that helps you through the financial challenges of life.

Setting aside the discussion of these technical and short - term factors, China faces significant economic and financial headwinds, and a series of policy missteps have raised concerns about its ability to successfully manage these challenges.

In terms of challenges, financial factors topped the list, with 73 % of those surveyed stating that financial constraints and the perceived on - cost of personalised packaging activity would hinder their willingness to undertake personalised packaging projects.

So instead of our team going forwards as we expected it to do after the club's financial burden was lifted and Arsene Wenger was given a decent transfer budget once more, we seem to be going backwards in terms of challenging for the Premier League title and if you don't believe me then maybe you should believe the boss because he suggested the same after the latest defeat.

I have learnt that we have gone from being a small club compared to Barcelona, R. Madrid and Man U in terms of financial and honours success to being amongst them in winning honours and growing to be financially wealthy and therefore built to go on to succeed with a model (although in need of developing) ready to deal with the challenge of European clubs.

Puerto Rico faces many challenges in the coming months and years of storm recovery, with its pre-Maria financial crisis and infrastructure issues deepening those challenges and increasing the cost and difficulty of long term rebuilding.

«Nothing has changed in the short, medium or long - term outlook that would alleviate the significant financial challenges facing the plant,» Entergy spokeswoman Tammy Holden said today.

«It outlined the stark challenges that the state is facing, in terms of our financial situation, the effect that Washington is going to have on us.»

Whatever is the outcome of Tuesday's primaries, most mayors who win a new term in cities across the state will face a similar challenge - how to get their municipalities back on secure financial footing.

TES has reported that Tony Foot, director of the Department for Education's funding group, is under «no illusion» about the financial challenges schools are due to face as a result of rising costs and real terms budget cuts.

Writer Michael Sokolove tells a touching story of a working - class Pennsylvania school district's attempts to come to terms with its financial challenges.

This offered schools new levels of autonomy but under a rigorous accountability framework and new challenges for schools in terms of financial reporting.

Immigrant students also face challenges in terms of securing financial aid, but we've done extensive research on available funding and continue to help them navigate the process of qualifying for scholarships and grants.

In his State of the University Address in September 2005, departing UT - Austin President Larry Faulkner had this advice for his successor: «Your greatest challenge will be to work out a new, stable financial model for the long - term sustenance of the university.

A successful board will keep its eyes on the horizon and on the interests of its nonvoting constituents — the students — even in the face of myriad, near - term financial, structural and contextual challenges.

While the DfE's recent announcement to increase school funding by # 1.3 bn over two years will help the financial situation for schools, the Institute for Fiscal Studies argues that schools still face an enormous financial challenge as their budgets will have fallen by 4.6 per cent in real terms between 2015 and 2020.

Still, I feel an enormous amount of personal responsibility toward our existing shareholders, and honestly, my greatest worry is that the challenges we've had during the recent cycle will provoke any of them to capitulate and chase the market at these levels, possibly capturing some short - term gains, but ultimately doing damage to their financial security.

Taking a smaller annual income is beneficial in qualifying for loan forgiveness, but it may lead to challenges in setting aside savings for long - term financial goals.

The Farmington Hills - based company says that the transition is based on its long - term commitment to guide all consumers through life's financial challenges, not just those in debt.

Cash Stop not only specialises in providing short term cash advances to assist everyday people by helping meet those unexpected financial challenges with quick pay day style loans but also provide many other products and services such as, Short Term Loans both in Branch and Online, Medium Term Loans in Branch, Pawn Broking, Currency Exchange, Western Union Money Transfer, Cheque Cashing, and Jewellery Loterm cash advances to assist everyday people by helping meet those unexpected financial challenges with quick pay day style loans but also provide many other products and services such as, Short Term Loans both in Branch and Online, Medium Term Loans in Branch, Pawn Broking, Currency Exchange, Western Union Money Transfer, Cheque Cashing, and Jewellery LoTerm Loans both in Branch and Online, Medium Term Loans in Branch, Pawn Broking, Currency Exchange, Western Union Money Transfer, Cheque Cashing, and Jewellery LoTerm Loans in Branch, Pawn Broking, Currency Exchange, Western Union Money Transfer, Cheque Cashing, and Jewellery Loans.

In King William's tontine, he challenges the financial industry to start engaging in what he terms «tontine thinking» as a way out of the huge longevity risk pensions and insurance companies are bearing.

While Genworth has had some significant financial challenges over the past few years, the company remains committed to offering its flagship long - term care insurance coverage.

While paying off $ 90,000 in non-mortgage debt was challenge, the real test in our resolve to reach financial indepenence is staying motivated to pay off our mortgage at a faster pace than is required by the terms of our 15 year fixed - rate loan.

And while federal loans come with their own set of challenges and risks, all 1.37 million private loan borrowers are often subject to fewer protections and less flexible repayment plans than those offered under federal loan agreements.Less accommodating repayment options and more rigid terms can quickly lead to private student loan defaults, which is a dangerous financial place to be.

In times of economic challenges, being able to pay your monthly bills may represent financial security in the short term, but most of us must also plan for supplementing social security and / or pensions received from employers.

The HECM is designed as part of a long - term plan in homeownership; for many seniors facing financial challenges during retirement a reverse mortgage has proven to be an effective solution.

I want to briefly summarize the financial challenges without going into too much detail — both the short - term and the long - term challenges.

However, one of the major challenges of sustaining long time series studies in the open ocean is the long - term financial and logistical commitment that is required — not only for routine maintenance but also for continuously integrating new technologies.

The addition of childcare throws a plethora of new financial and operational challenges into the mix, from qualified staff and salaries to local regulations, licensing, property lease terms, health and safety, and the inevitable red tape minefield.

In terms of financial sustainability, Wardle focuses on the concern that if transitional training is mostly required to occur pre-licensing, as in the current system, «then the overall costs of certification as a lawyer can become a barrier to many applicants... [yet]... [t] ransferring costs to the membership or to the profession presents other challenges.»

In slightly non-technical terms, the Court's current approach in the field of higher education requirements could be expressed as follows: the Court acknowledges the financial and political pressures that Member States have to deal with, as well as the fact that different Member States may find very different regulatory solutions to these challenges.