Sentences with phrase «than any financial benefit»

According to a 2007 research paper by the credit rating company, Experian ¸ this tendency to be «financially shortsighted (myopic), favoring more immediate rewards rather than financial benefits in the future, leads to poor economic decision making.»

Dedication and availability The nanny should be dedicated to the profession and consider the proper growth of the child more than financial benefits.

Not exact matches

Other than Social Security benefits, 401 (k) plans represent the bulk of financial assets available to people after they stop working.

Financial Engines, a defined - contribution managed - account provider, estimates the average single retiree leaves more than $ 100,000 in lifetime benefits on the table by fumbling his or her Social Security choices.

These emotional benefits are far more important than saying someone lost weight or had a financial win.»

A typical couple will receive more than $ 1 million in Social Security benefits over their lifetime, according to Christopher Jones, chief investment officer at Financial Engines, a provider of financial advice and asset maFinancial Engines, a provider of financial advice and asset mafinancial advice and asset management.

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»).

These risks and uncertainties include: Gilead's ability to achieve its anticipated full year 2018 financial results; Gilead's ability to sustain growth in revenues for its antiviral and other programs; the risk that private and public payers may be reluctant to provide, or continue to provide, coverage or reimbursement for new products, including Vosevi, Yescarta, Epclusa, Harvoni, Genvoya, Odefsey, Descovy, Biktarvy and Vemlidy ®; austerity measures in European countries that may increase the amount of discount required on Gilead's products; an increase in discounts, chargebacks and rebates due to ongoing contracts and future negotiations with commercial and government payers; a larger than anticipated shift in payer mix to more highly discounted payer segments and geographic regions and decreases in treatment duration; availability of funding for state AIDS Drug Assistance Programs (ADAPs); continued fluctuations in ADAP purchases driven by federal and state grant cycles which may not mirror patient demand and may cause fluctuations in Gilead's earnings; market share and price erosion caused by the introduction of generic versions of Viread and Truvada, an uncertain global macroeconomic environment; and potential amendments to the Affordable Care Act or other government action that could have the effect of lowering prices or reducing the number of insured patients; the possibility of unfavorable results from clinical trials involving investigational compounds; Gilead's ability to initiate clinical trials in its currently anticipated timeframes; the levels of inventory held by wholesalers and retailers which may cause fluctuations in Gilead's earnings; Kite's ability to develop and commercialize cell therapies utilizing the zinc finger nuclease technology platform and realize the benefits of the Sangamo partnership; Gilead's ability to submit new drug applications for new product candidates in the timelines currently anticipated; Gilead's ability to receive regulatory approvals in a timely manner or at all, for new and current products, including Biktarvy; Gilead's ability to successfully commercialize its products, including Biktarvy; the risk that physicians and patients may not see advantages of these products over other therapies and may therefore be reluctant to prescribe the products; Gilead's ability to successfully develop its hematology / oncology and inflammation / respiratory programs; safety and efficacy data from clinical studies may not warrant further development of Gilead's product candidates, including GS - 9620 and Yescarta in combination with Pfizer's utomilumab; Gilead's ability to pay dividends or complete its share repurchase program due to changes in its stock price, corporate or other market conditions; fluctuations in the foreign exchange rate of the U.S. dollar that may cause an unfavorable foreign currency exchange impact on Gilead's future revenues and pre-tax earnings; and other risks identified from time to time in Gilead's reports filed with the U.S. Securities and Exchange Commission (the SEC).

More than 40 years ago, the Magna founder decided his company would experience higher productivity and less labour strife — and, as a result, faster growth — if its workers got some of the financial benefits of strong performance.

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.

The US export sector is getting the benefit of a lower dollar; there's a significant fiscal package in the pipeline, which will add more than 1 per cent of GDP to private spending power; and sharp cuts have been made in US official interest rates, with financial markets expecting more to come.

But Tu says that while consumers have benefitted tremendously from tech innovations by companies like Google, Facebook, Alibaba and Tencent, the financial industry lags behind because many financial service firms rely on in - house tech teams, which means that «fintech continues to be more «finance» than «tech,» especially in Asia.»

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.

In other words, as Fannie Mae and Freddie Mac's stock prices increase — and they have so far more than doubled since the election on the expectation that the incoming Trump administration will be more lenient toward the financial sector than Obama — Trump's portfolio benefits.

They conferred substantial financial benefits on Retrophin's already highly - compensated founder at Retrophin's expense and provided no benefit to Retrophin other than a release of claims relating to actions that Shkreli undertook in his capacity as the manager of the MSMB Funds.

Although the events, which together drew hundreds of thousands of demonstrators across the country, were inspired and often led by students, many protests simultaneously benefited from groups with more financial resources and organizational skills than the teenagers had on their own.

But the benefits of investing in female - led financial endeavors go even further than the Journal has it: Hedge funds run by women tend to outperform other hedge funds.

«For many people, the investment component may be more important than any state tax savings,» says Nelligan, who recommends working with a financial advisor to weigh the tax benefits of staying in - state and shopping around for suitable alternatives.

With assets under administration of $ 6.9 trillion, including managed assets of $ 2.5 trillion as of March 31, 2018, we focus on meeting the unique needs of a diverse set of customers: helping more than 27 million people invest their own life savings, 23,000 businesses manage employee benefit programs, as well as providing more than 12,500 financial advisory firms with investment and technology solutions to invest their own clients» money.

Joshua has also led more than 50 due diligence projects for financial and corporate sponsors, including a radiation oncology provider, a hospitalist physician practice management company, a workers» compensation specialty benefits manager, a small pharmacy benefit manager (PBM), a population health management service provider, a large integrated medical group / independent practice association (IPA), a regional payer, a health insurance brokerage, an occupational health / worksite clinic provider, a skilled nursing facility (SNF) and specialty benefits managers in the workers» comp and commercial spaces.

Now more than ever, self - funded employers are seeking financial value from the health benefits plan they provide while still maintaining quality of care.

With assets under administration of $ 6.9 trillion, including managed assets of $ 2.5 trillion as of February 28, 2018, we focus on meeting the unique needs of a diverse set of customers: helping more than 27 million people invest their own life savings, 23,000 businesses manage employee benefit programs, as well as providing more than 12,500 financial advisory firms with investment and technology solutions to invest their own clients» money.

Founded in 1946, the firm is a leading provider of investment management, retirement planning, portfolio guidance, brokerage, benefits outsourcing, and many other financial products and services to more than 20 million individuals and institutions, as well as through 5,000 financial intermediary firms.

Few asset managers were better prepared for — or benefited more from — the financial crisis than Raymond Dalio.

The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any.

«You can bet correctly on the presidential election, but the potential damage from guessing wrong about what will happen [in the financial markets] is much greater than any benefit you'll likely see,» said certified financial planner Tim Maurer, director of personal finance for Buckingham and The BAM Alliance.

More than one third of the future Social Security beneficiaries (ages 45 - 64) questioned in a recent AARP ® / Financial Planning Association ® (FPA ®) survey * expect their benefit to make up more than half of their retirement income.

You'll get the benefit of a senior financial advisor, a customized financial plan, ongoing portfolio management, and more — all for an annual cost of no more than 0.30 % of your assets under management.

The conservative group Americans for Tax Reform, which backed the tax cut, has compiled a list of more than 100 companies that have announced some kind of financial benefit for employees resulting from the tax cut.

Fidelity Investments is a leading provider of investment management, retirement planning, portfolio guidance, brokerage, benefits outsourcing, and other financial products and services to more than 20 million individuals, institutions, and financial intermediaries.

U.S. Census Bureau data shows adults older than 50 are among the fastest growing segment of unmarried couples in the U.S. Financial advisors say concerns about debt, benefits, taxes and...

In both examples, term life insurance would provide an ample death benefit to the beneficiaries at a much lower cost than permanent life insurance, which may not be within the financial reach of these buyers.

«In addition, evolving from the Kitsilano Chamber to The Vancouver Board of Trade will immediately deliver a much higher value, and broader mix, of financial benefits to our Members than KCC can offer on its own.»

While the bullish case for gold is directly contrary to the interests of the financial establishment generally, it is of extreme interest and benefit to the subset of the establishment that has made more than $ 1,000,000,000,000.00 in illegal profits over the past forty years by rigging the gold market, and that wishes to steal as much additional money as they can get away with.

He's closer to a true Soddomite than two consenting adults who are the same sex and want to marry to get the same financial and legal benefits as a heterosexual couple.

The only target and desire of owner, board and the manager is financial benefits & security and profits rather than trophies.

Clearly, same - sex couples understand the importance of marriage's legal benefits and financial protections much more than heteros do.

I further understand that it is illegal to receive financial benefits from more than one prospective adoptive family and / or adoption entity at the same time.

She said financial aid for undocumented youth would benefit everyone, since college graduates make more taxable income than those who have not graduated.

The state has benefited from more than $ 8 billion in windfall settlements with major financial institutions in the last two years, with the resources being spent either in the current enacted budget or in the proposed spending plan.

The Low Incomes Tax Reform Group (LITRG) is urging parents and carers to check their position before applying for the new Tax - Free Childcare (TFC) as they may find other benefits they currently receive are stopped or that other childcare schemes can offer more financial support than TFC.

The city's unfunded obligation for post-employment benefits other than pensions grew by nearly $ 39 billion to $ 92.5 billion between fiscal years 2006 and 2013, and will likely continue to grow during the financial plan period

«The open - plan offices may have short - term financial benefits, but these benefits may be substantially lower than the costs associated with decreased job satisfaction and wellbeing.

But teamwork, ample reagents and equipment, not having to write grants, and the financial benefits are just some of the advantages that far outweigh the minor drawbacks, leaving Goosney feeling altogether «more than satisfied at the end of the day.»

Some people may be skeptical of the financial part of the relationship but the young men that the sugar mama date benefit more than just with finances.

MARKETWIRE - Apr 8 - SNAP Interactive, a provider of online dating apps for social networks, has experienced an increase of more than 69 % in Q1 2010 gross receipts over Q1 2009 gross receipts based on preliminary results as it begins to see the financial benefits of the subscription model on its AreYouInterested.com.

Although, they revolve around money and financial benefits, there is more than what meets the eye.

Perhaps because the research literature on the strength of Boston charter schools is so compelling, charter proponents have focused more on touting academic benefits than debating financial costs.

So - called «green schools» — which are designed specifically to provide healthier and more productive learning environments — cost just 1.5 percent to 2.5 percent more than conventional schools, but provide significant long - term financial benefits, concludes a study by the Massachusetts Technology Collaborative in Westborough.

For districts, though, the financial benefits of reducing attrition, which is about $ 10,000 for a first - year teacher, and avoiding dismissal hearings, which often cost more than $ 100,000 each, can be enormous.