Sentences with phrase «than financial products»

Most people shop harder for milk than financial products.

Not exact matches

Analysts are noting, though, that while product delays are having a degree of impact on Bombardier's balance sheets, the decision to cut jobs is more about financial foresight than a sign of dire times ahead.

These risks and uncertainties include, among others: the unfavorable outcome of litigation, including so - called «Paragraph IV» litigation and other patent litigation, related to any of our products or products using our proprietary technologies, which may lead to competition from generic drug manufacturers; data from clinical trials may be interpreted by the FDA in different ways than we interpret it; the FDA may not agree with our regulatory approval strategies or components of our filings for our products, including our clinical trial designs, conduct and methodologies and, for ALKS 5461, evidence of efficacy and adequacy of bridging to buprenorphine; clinical development activities may not be completed on time or at all; the results of our clinical development activities may not be positive, or predictive of real - world results or of results in subsequent clinical trials; regulatory submissions may not occur or be submitted in a timely manner; the company and its licensees may not be able to continue to successfully commercialize their products; there may be a reduction in payment rate or reimbursement for the company's products or an increase in the company's financial obligations to governmental payers; the FDA or regulatory authorities outside the U.S. may make adverse decisions regarding the company's products; the company's products may prove difficult to manufacture, be precluded from commercialization by the proprietary rights of third parties, or have unintended side effects, adverse reactions or incidents of misuse; and those risks and uncertainties described under the heading «Risk Factors» in the company's most recent Annual Report on Form 10 - K and in subsequent filings made by the company with the U.S. Securities and Exchange Commission («SEC»), which are available on the SEC's website at www.sec.gov.

When she saw a handful of early - education products sell more than 100,000 units each, she knew this was a market that would serve one of her elegant financial models well.

With more than 200 staff in factories and offices in Quebec, New York, London and Asia, the firm creates custom - made products for its customers, primarily banks looking to recognize important financial transactions and employee contributions.

They get rewarded in many other ways than pure financial returns — including creating stronger suppliers, putting control levers in their industry, testing products, de-risking innovation, and engineering less expensive acquisitions.

After investigating more than 450 different financial products and vehicles, I've concluded you can bypass Wall Street to grow a sizable nest - egg.

When the Bank of Canada cut interest rates in 2015 to offset the collapse of oil prices, it was worried about more than a blow to gross domestic product; it was also thinking about what mass firings in the oil patch could mean for the financial system.

Rather than hypothesize about potential new markets or products, a growth - stage entrepreneur needs to think about making his or her operation conform to rigorous financial and operating standards while implementing repeatable policies and procedures.

For instance, we want to know whether a financial advisor recommending a particular product will receive a higher commission than they would on an alternative.

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»).

While it's better to invest than keep money under a mattress, buying risk free securities, such as guaranteed income certificates or low - yielding government bonds, could actually be riskier than purchasing higher returning products, says Ted Rechtshaffen, president and CEO of Toronto's TriDelta Financial Partners.

LeapFrog's first fund of $ 135 million made equity investments of between $ 5 million and $ 15 million in eight companies in Africa and Asia offering insurance and other financial products to individuals living on less than $ 10 per day.

In researching and investigating more than 450 financial products and vehicles, I found a little - known strategy that meets all five requirements listed above.

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).

Another thing is that other than selling a product through your own website, Kickstarter has the lowest commission fees [five per cent plus financial institution charges].

They are more sophisticated in their pricing models than, say, seed funds who are investing in products & teams more than financials.

Apple Watch accounted for «well over» 100 percent of the sequential growth of «other products» and more than offset decline in iPods and accessories, Luca Maestri, Apple's chief financial officer, said during a call with analysts.

The fiduciary standard is a federal requirement designed to ensure that financial advisors don't sell clients products that are better for the advisors than for the clients.

And then, not surprisingly, risk management is important in financial services and then, ultimately, the sales and business performance in showing that there are customer - level managers of that sales and business performance that might look quite different than the traditional P&L that you would see for a product within an organization.

When an annuity is replaced with another annuity or if the money is a direct transfer from another financial product, the annuity advisor must convince the insurance company that the new annuity is better in many ways than the old product.

In Colombia, the offer of each Fund is addressed to less than one hundred specifically identified investors, and such Fund may not be promoted or marketed in Colombia or to Colombian residents unless such promotion and marketing is made in compliance with Decree 2555 of 2010 and other applicable rules and regulations related to the promotion of foreign financial and / or securities related products or services in Colombia.

What it does have, though, is a little more than the bully pulpit because these reforms [to financial regulations] that are under way are the product of a process where all the major economies are around the table and they're participating in their development, and then they agree ultimately at the leader level in the G20.

Chime, a bank account startup, is servicing this demographic by focusing on making its financial services available through a mobile app and providing convenient services that are more similar to social consumer apps than banking products.

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.

It's a bit odd to me that the import of this meeting is framed in terms of financial products rather than fueling the innovation economy.

A certificate of deposit, or CD, is a financial product that pays an interest rate that's slightly higher than what you'd earn in a regular bank account.

We can no more create expert consumers of financial products and services than we can transform these same consumers into brain surgeons.

The current NAPFA fiduciary standard limits adviser activity to the «purchase or sale of a financial product» rather than «any transaction.»

In that report, the CFPB said it had received more than 13,000 complaints over the last six months related to mortgages, credit cards, and other financial products.

They look like adverts for sophisticated financial services, rather than the usual adverts for more, err, consumer - oriented products.

Jeff has a background managing product development and innovation in more than 30 countries and has spent more than 20 years driving innovation in financial services, technology and telecommunications.

These risks and uncertainties include food safety and food - borne illness concerns; litigation; unfavorable publicity; federal, state and local regulation of our business including health care reform, labor and insurance costs; technology failures; failure to execute a business continuity plan following a disaster; health concerns including virus outbreaks; the intensely competitive nature of the restaurant industry; factors impacting our ability to drive sales growth; the impact of indebtedness we incurred in the RARE acquisition; our plans to expand our newer brands like Bahama Breeze and Seasons 52; our ability to successfully integrate Eddie V's restaurant operations; a lack of suitable new restaurant locations; higher - than - anticipated costs to open, close or remodel restaurants; increased advertising and marketing costs; a failure to develop and recruit effective leaders; the price and availability of key food products and utilities; shortages or interruptions in the delivery of food and other products; volatility in the market value of derivatives; general macroeconomic factors, including unemployment and interest rates; disruptions in the financial markets; risk of doing business with franchisees and vendors in foreign markets; failure to protect our service marks or other intellectual property; a possible impairment in the carrying value of our goodwill or other intangible assets; a failure of our internal controls over financial reporting or changes in accounting standards; and other factors and uncertainties discussed from time to time in reports filed by Darden with the Securities and Exchange Commission.

If you read this one book you'll know enough to invest sensibly for retirement without getting ripped off by financial product salespeople, and you'll understand more about investing than 85 % of the general population.

When it comes to financial capital, however, there's a major gap: startups have 70 % less funding than Silicon Valley before product market fit and 16 % fewer mentors to look up to.

Similarly, Mass Affluent investors are more likely than their Millionaire and UHNW counterparts to consider themselves «not very knowledgeable» about financial products and investments, 28 percent vs. 17 percent of Millionaires and just 8 percent of UHNW investors.

You have tricked / scammed millions of Americans into buying financial products that where ill suited for their need and that gave them lower returns than they could have gotten elsewhere.

Additionally, a full 70 % discuss ways to fund their child's college education and more than half (52 %) talk about financial products that offer low / no interest loans against its cash value.

Estimize, the crowdsourced financial estimates platform, announced the launch its newest product, the Estimize Stock Screener, which offers users a real - time, comprehensive view of the market sentiment for more than 1,500 stocks, as well as the ability to filter for specific attributes.

While Avant and OneMain Financial offer very similar loan products, there are some scenarios in which one lender is a better choice than the other.

Since the end of the 1990s, European financial institutions have designed, marketed and sold more than two trillion euros worth of complex financial products to households — so - called «retail structured products».

I actually think something else is going on here — rather than talking about regulating the financial sector, the government and the Bank are signaling that they are willing to provide lender - of - last - resort assurances to those who sell or engage in derivative financial products, of which the asset - back mortgage and commercial debt are but two examples.

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.

«The unit at the centre of JP Morgan Chase's $ 2 billion trading loss has built up positions totalling more than $ 100 billion in asset - backed securities and structured products - the complex, risky bonds at the centre of the financial crisis in 2008.

Similarly, banks may offer you bundled financial services or products so that you can take advantage of package prices that are less than the sum of the individual items.

Still, Walther, who has been in the financial services industry for more than 25 years, senses a fundamental underlying change even if the current generation of guaranteed income products will need more refining before RIAs bite down hard.

Over more than 25 years, GFI has expanded both organically and through acquisitions into a broad range of markets, including fixed income derivatives, cash fixed income, emerging market financial products, energy and commodity derivatives, and equities.

Alibaba - affiliated Ant Financial Services Group today unveiled a wealth - management app providing Chinese consumers with simpler access to the company's growing roster of investment products, including more than 900 commission - free funds.

One factor that could have influenced the carriers decision to suspend, rather than exit, certain products is «the possibility that interest rates might rise quickly later on, making those products suddenly viable once again,» says Robert Hanten, president of Solidarity Financial, Plymouth, Minn., and also president of NAIFA - Minneapolis.

Ke estimates that U.S. investors are paying $ 233 billion a year to have $ 15 trillion overseen, somewhat more than half of that outlay going to the financial consultants who talk to the clients and the remainder to vendors of products like mutual funds.