Sentences with phrase «time expenses in»

Based on Nordman's math, aspiring retirees» assets need to be equal to 25 times their expenses in order to withdraw 4 percent annually from savings in retirement.

Based on Nordman's math, aspiring retirees» assets need to be equal to 25 times their expenses in order to withdraw 4 percent annually from savings in retirement.

Not exact matches

Weinberg says he advises entrepreneurs participating in Blueprint Health to start a dialogue with the FDA and their legal advisors early in the startup process so they can clarify regulatory requirements and be prepared for any resulting time and expense.

Important factors that could cause actual results to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost of accommodating, announced increases in the build rates of certain aircraft; 6) the effect on aircraft demand and build rates of changing customer preferences for business aircraft, including the effect of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result of global economic uncertainty or otherwise; 8) the effect of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange rates; 9) the success and timely execution of key milestones such as the receipt of necessary regulatory approvals, including our ability to obtain in a timely fashion any required regulatory or other third party approvals for the consummation of our announced acquisition of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts of terrorism; 14) any adverse impact on the demand for air travel or our operations from the outbreak of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension plan assets and the impact of future discount rate changes on pension obligations; 17) our ability to borrow additional funds or refinance debt, including our ability to obtain the debt to finance the purchase price for our announced acquisition of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect of changes in tax law, such as the effect of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect of such changes; 21) any reduction in our credit ratings; 22) our dependence on our suppliers, as well as the cost and availability of raw materials and purchased components; 23) our ability to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate for our additional capital needs or for payment of interest on, and principal of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness of any interest rate hedging programs; 28) the effectiveness of our internal control over financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and other business disruptions for ourselves and Asco as a result of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks of doing business internationally, including fluctuations in foreign current exchange rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among other things.

When the pressure's on in the workplace, the Alignment Express can go off the rails: shrinking budgets, org changes, and shifting strategies force teams to do whatever it takes to keep trains on time... often at the expense of culture and values.

Xero describes its product as «beautiful accounting software» that delivers time - saving tools for invoicing, purchase orders, managing payroll, tracking expenses, and everything else that your business needs to stay in the black.

When you consider the expense of a conventional launch or startup, the cost of finding customers, the expenses associated with marketing and advertising, the time required to establish your own set of systems... the idea of «buy, build and sell» can be very intriguing, especially if you are just starting out in business.

When commission and closing costs, maintenance, moving and other expenses are added up, the sum can easily eclipse any equity amassed in that short time — even in a city with a skyrocketing condo market.

And its losses, excluding a one - time expense, had shrunk to just $ 2.3 million, less than a tenth of the $ 35 million Trump's Atlantic City properties had produced in red ink just three years prior.

Factors which could cause actual results to differ materially from these forward - looking statements include such factors as the Company's ability to accomplish its business initiatives, obtain regulatory approval and protect its intellectual property; significant fluctuations in marketing expenses and ability to achieve or grow revenue, or recognize net income, from the sale of its products and services, as well as the introduction of competing products, or management's ability to attract and maintain qualified personnel necessary for the development and commercialization of its planned products, and other information that may be detailed from time to time in the Company's filings with the United States Securities and Exchange Commission.

Drew McReynolds of RBC Capital Markets attributed a portion of the results that beat expectation to the timing of cost savings that are forecast to reach $ 70 million in 2019, marketing expenses and lower stock compensation.

And that's not factoring in the time and expense of resolving disputed purchases.

Gain related to interest rate swaps The company recognized a pre-tax gain of $ 14 million in the three months ended March 31, 2018, within interest and other expense, net related to certain forward - starting interest rate swaps for which the planned timing of the related forecasted debt was changed.

In their model, the advantages of connectivity accrue, while the costs strike as one - time expenses.

Host Nicole Holland's aim for #BBRShow is to help her listeners avoid the pitfalls that her guests faced in their early days of entrepreneurship, from unnecessary expenses and wasted time to undue stress and uncertainty.

Actual results and the timing of events could differ materially from those anticipated in the forward - looking statements due to these risks and uncertainties as well as other factors, which include, without limitation: the uncertain timing of, and risks relating to, the executive search process; risks related to the potential failure of eptinezumab to demonstrate safety and efficacy in clinical testing; Alder's ability to conduct clinical trials and studies of eptinezumab sufficient to achieve a positive completion; the availability of data at the expected times; the clinical, therapeutic and commercial value of eptinezumab; risks and uncertainties related to regulatory application, review and approval processes and Alder's compliance with applicable legal and regulatory requirements; risks and uncertainties relating to the manufacture of eptinezumab; Alder's ability to obtain and protect intellectual property rights, and operate without infringing on the intellectual property rights of others; the uncertain timing and level of expenses associated with Alder's development and commercialization activities; the sufficiency of Alder's capital and other resources; market competition; changes in economic and business conditions; and other factors discussed under the caption «Risk Factors» in Alder's Annual Report on Form 10 - K for the fiscal year ended December 31, 2017, which was filed with the Securities and Exchange Commission (SEC) on February 26, 2018, and is available on the SEC's website at www.sec.gov.

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.

The recognition of a one - time deferred tax asset relating to SES - 16 / GovSat - 1, which entered into service in March 2018, was the principal reason for the positive income tax contribution of EUR 10.1 million (Q1 2017: EUR 27.7 million expense), as well as the increase in non-controlling interests to EUR 14.8 million (Q1 2017: EUR 0.9 million).

Companies typically spend an average of two years in a business incubator, during which time they often share telephone, secretarial office, and production equipment expenses with other startup companies, in an effort to reduce everyone's overhead and operational costs.

One of the easiest ways to keep track of key metrics for your company is by creating business intelligence dashboards, which track metrics like revenues, expenses, website performance and customer satisfaction in real - time.

There have been numerous times when Musk's endeavors would have benefited by having more capital, yet he has resisted the urge to take SpaceX public because the board of directors of a publicly - held firm would undoubtedly force him to make changes in the company that would improve its profitability at the expense of its chances for reaching Mars.

«This order demonstrates more clearly than ever that the United States will not allow an illegitimate dictatorship to take hold in the Western Hemisphere at the expense of its people,» national security adviser H.R. McMaster said at the time.

If you're one of the many small business owners who hasn't done his or her bookkeeping all year long, this tax season will unfortunately be a stressful time as you frantically scramble to pull together all your receipts and business expenses, trying to account for every single thing you did in 2014.

The SEC's focus on the average net IRR disclosures, which has not been previously reported, marks a new phase in the agency's efforts to regulate private equity and comes at a time when the industry is already under pressure from investors to simplify its fees and expenses structure.

«This is the period at which wage rates typically peak and is the best time to work and earn the most, even at the expense of present well - being, so as to have increased wealth and well - being later in life,» he says.

Once your goals and monitoring mechanisms are in place, it's time to find and surgically remove the most wasteful activities and expenses.

Cenovus reported one - time severance costs of $ 43 million as it cut its staff count by 15 per cent in the first quarter, and a $ 59 - million non-cash expense for Calgary office space that exceeds current needs.

Managing a small business is a headache — tracking receipts and expenses, maintaining inventory, issuing invoices and landing on people who don't pay you in time.

A disadvantage of the cash method is that expenses and revenues are not matched in time.

«Are there certain expenses you maintained in the boom times that can be economized?

Recent surveys highlight how systemic a problem this actually is — in one, nearly three quarters of respondents stated that time spent reconciling expenses kept them from addressing critical business issues, while in another, those surveyed reported that they spend up to 40 percent of their time on tasks not related to growing their company.

For a short time this proved to be a dream issue for retailers: the chance to turn a profit on something formerly considered an expense, all the while wrapping oneself in environmental virtue.

Example: I recently met a B2B healthcare payments company that seeks to lower doctors offices» bad debts expense from 40 to 5 percent by helping them collect funds upfront at the time services are delivered, instead of 30 days later with an invoice in the mail.

«While an extra expense initially, if you find the right partner, they will not only save you money and time in the long term, but they will generate a lot more business for you,» says Foox.

Defaults are rising, and some older Americans are even having their wages and Social Security checks garnished by the government at a time in life when their budgets are already constrained by retirement and health care expenses, according to a Wall Street Journal analysis published Monday.

Those benchmarks are the product of more than two years of focusing the company, expanding its product suite for businesses and reining in expenses, Houston said at the time.

There's also a 10 percent penalty for withdrawing money prior to age 59 1/2 — except to use in specific circumstances, including qualified higher education expenses and first - time home purchases.

Moody's Investor Service downgraded Tesla's debt into junk territory back in March, warning at the time that Tesla didn't have cash to cover $ 3.7 billion for normal operations, capital expenses and debt that come due early next year.

This increase in expense was primarily driven by the timing of REDUCE - IT and related costs.

The most significant changes of this adoption that affect comparability of our results of operations between 2018 and 2017 include a change in the timing of franchise fee revenue recognition and the reflection of advertising fund contributions and expenses.

Keep this in mind next time you plan out your expenses.

Ideally, you should be aiming to have the equivalent of at least one month's expenses sitting in your checking account at any given time.

If you're just starting up and have been using out - of - pocket expenses to travel for work, you're in luck — you can deduct that time logged going to sales calls and investor meetings.

Our debt balance as of March 31, 2018, was $ 348 million, down from $ 780 million at loan origination in April 2016; our debt to Adjusted EBITDA ratio is well below one times; and we have reduced our non-GAAP interest expense by over 70 % since origination on an annualized basis.»

It's non-GAAP income from operations (meaning income that excludes one - time expenses like the goodwill writedown) fell to $ 342 million in 2015 from more than $ 755 million in 2014.

Automate tasks like invoicing, organizing expenses, tracking your time and following up with clients in just a few clicks.

These risks and uncertainties include competition and other economic conditions including fragmentation of the media landscape and competition from other media alternatives; changes in advertising demand, circulation levels and audience shares; the Company's ability to develop and grow its online businesses; the Company's reliance on revenue from printing and distributing third - party publications; changes in newsprint prices; macroeconomic trends and conditions; the Company's ability to adapt to technological changes; the Company's ability to realize benefits or synergies from acquisitions or divestitures or to operate its businesses effectively following acquisitions or divestitures; the Company's success in implementing expense mitigation efforts; the Company's reliance on third - party vendors for various services; adverse results from litigation, governmental investigations or tax - related proceedings or audits; the Company's ability to attract and retain employees; the Company's ability to satisfy pension and other postretirement employee benefit obligations; changes in accounting standards; the effect of labor strikes, lockouts and labor negotiations; regulatory and judicial rulings; the Company's indebtedness and ability to comply with debt covenants applicable to its debt facilities; the Company's ability to satisfy future capital and liquidity requirements; the Company's ability to access the credit and capital markets at the times and in the amounts needed and on acceptable terms; and other events beyond the Company's control that may result in unexpected adverse operating results.

Startup costs are virtually nonexistent, provided that you already have a sewing machine and the necessary skills (and even if you don't, these one - time expenses are still fairly low in the grand scheme of new business ventures).

Likewise, working additional hours at a job offers more in wages earned but comes at the expense of more time to do things outside of work, which is an opportunity cost of employment.

CAC: Here you take the sum of all your sales and marketing expenses over a given period of time (Salaries, tools, spend) and divide by the number of new customers acquired in that same time period.