Not exact matches
In any case, even if the libertarian - minded succeed in taking control of the debate on the Right, it still won't guarantee the
long -
term success of their ideology: the real world is dangerously messy, and we've seen a lot of evidence over the past few decades that perfect ideas don't always work as
planned when they're applied to
actual people (see: markets, free).
Standard & Poor's criticized Oyster Bay's lack of
long -
term financial
planning, absence of a formal policy to limit borrowing and pay down debt, unrealistic projections and failure to make budget adjustments when
actual revenue and expenses don't add up.
Of course, your
actual return depends on the
plan you have, the fees you pay and the
long -
term performance of the stock and bond markets.
My more modest budget's spending is about 25 % less than my
long -
term plan and is in line with my
actual spending over the last decade.
My extravagant
long term plan has spending at 3 % of my spendable net worth (total net worth less one downsized home) but my
actual spending is about 2 %.
These regulations evaluate debt service using
longer repayment
terms than the typical 10 - year
plan, taking into account our experience with the history of
actual borrower repayment and the use of forbearances and deferment.
The key questions are — how
long do you
plan to stay in the home, when do you want to pay off the mortgage or sell the property, what will your income look like in the next 3, 5 — 10 years — do you need better cash flow with lower payments or a workable repayment
plan to pay off the mortgage sooner — knowing the borrower's short and
long term plans and financial goals is necessary to make the best options avilable — the numbers of
actual cost and benefits are the answer — show the total costs of principal and interest over 5 year periods and the total for keeping the loan for the full
term, these are the real costs and savings for the borrower.
If you have coverage through the AICPA life
plan, you should compare the
actual long term costs based upon your age and health.