Sentences with phrase «as discretionary»

«Many households view special function rooms as discretionary, and therefore easier to eliminate as homes were downsized.

Residual income — which is more commonly known as discretionary income — is calculated by comparing a mortgage borrower's income and its regular living expenses, plus whatever future housing costs may apply.

Consumers have taken advantage of rising home values by pulling equity out of their homes to spend as discretionary income.

They will include fixed, revolving monthly costs, like rent, mortgage, car payments, health or auto insurance bills, and variable expenses like groceries, gas, utilities, as well as discretionary expenses, such as dining out, vacations, or entertainment.

Dubbed the Ireland Strategic Investment Fund (ISIF), it serves as a discretionary portfolio targeted at both debt and equity investment, with the aim of generating growth in Ireland.

According to a recent Letter of Acceptance, Waiver and Consent (AWC) with the Financial Industry Regulatory Authority (FINRA), MSI Financial Services broker Kelly Barnett allegedly used discretion in the accounts of five customers without written authorization or acceptance of the accounts as discretionary.

In addition, Kelly Barnett also exercised discretion in four additional customer accounts without a written grant of authorization and without having the accounts accepted as discretionary between January 2014 and November 2015.

Also, as a discretionary matter, Immigration Judges can view juvenile activities as a negative factor when considering any application for relief from deportation.

The failure of the secretary of state to give effect to that policy could not simply be regarded as a discretionary choice about resources, which was pre-eminently a matter for the government rather than the courts.

Specifically, the Supreme Court characterizes this decision as a discretionary one of mixed fact and law, thereby subjecting it to a deferential standard of review.

Civil penalties make the greatest sense in this area - as a replacement for criminal charges, not simply as a discretionary prosecutorial alternative.

Pruitt's «four - pronged» strategy includes changes to science advisory boards and framing major regulatory shifts, like Thursday's memo, as discretionary policy decisions, a UCLA professor said.

He said that the biggest impact on a veterinary practice's performance is the economy, as discretionary income drives most veterinary service purchases.

And at this point, a share redemption / compulsory tender offer may be just as likely as a discretionary tender offer, so we'll have to wait & see.

«As your discretionary income increases you might choose a different plan that allows you to pay off your loan obligation faster,» Goebel said.

You can rely on withdrawals from your savings to cover any essential expenses your guaranteed income doesn't cover, as well as discretionary expenses and any unexpected expenses that may pop up.

What will emerge are the things that are normal, the utility bills, tax bill, mortgage, etc, as well as the discretionary spending.

To become a better price action trader, you need to build up your trading instinct as a discretionary trader.

So while we measure the average salary in each city (four points), we also consider the percentage that qualifies as discretionary income (four points).

Rather than just advising you, investment counselors — also called portfolio managers — make the actual day - to - day decisions on what securities to buy and sell, which is known as discretionary portfolio management.

A good rule of thumb is that your monthly or bi-weekly paycheck has at least 40 % left over marked as discretionary income.

As discretionary items in the budget, higher education and health care absorbed shortfalls.

Armed with grants and funding beyond that of other public schools, as well as discretionary spending accounts, magnet school leaders look to MSA's Annual Conference for new products and services to enhance their schools.

Armed with grants and funding beyond that of other public schools, as well as discretionary spending accounts, magnet school leaders look to MSA's conferences for new products and services to enhance their schools.

Once you consume the recommended amount of servings for fruits, vegetables, grains, protein and dairy, any leftover calories can be used as discretionary calories.

Federal investments in scientific research and higher education programs have been curtailed as discretionary spending caps have been imposed in the absence of significant reforms to mandatory spending programs and taxation.

The reason, according to Dr Esther Canonico from LSE's Department of Management, is that employees no longer see home working as a discretionary benefit or a «privilege» when it becomes the «norm» in an organisation.

That sidesteps the annual congressional appropriations process that divvies up what is known as discretionary spending, money from the government's general pot of tax and other revenue.

The dearth of specific procedures for the TIF is coming to light as discretionary funds have come under criticism by good - government groups and some legislators after Skelos and his partisan opposite, former Assembly Speaker Sheldon Silver, were convicted last year of trading official favors for kickbacks to themselves or their children.

The foods that don't fit into a food group, like soda and candy, count as discretionary calories.

The term leisure (and the use of other related words yet to be defined, e.g., play, festivity, games, etc.) might best be limited to refer only to Clawson's «fun activities,» with a more neutral term such as discretionary time being used to indicate those moments or hours free from subsistence activity.

This approach doesn't count as discretionary income; using a credit card to pay for items, and not paying off the balance, is spending money you don't have.

As we go into 2013, there will be a shocking hit to the reported GDP numbers as discretionary government spending shrinks.

As a discretionary investment manager, SAI may elect to sell assets in an account at any time.

We provide a customized investment solution to clients in need of a targeted investment program, as well as discretionary strategies to assist clients in building investment programs based on the University Endowment Model.

While the amount of money spent on certain expenses may be out of most Americans» control, others can be seen as discretionary spending.

You need to save for the necessity stream as well as the discretionary stream.

Not exact matches

You need to be as detailed as possible and know your type inside and out — what they eat for breakfast, the kind of books they read, whether they prefer kickboxing or yoga and how they spend their discretionary income.

Many of those companies rely on middle - and low - income shoppers for the bulk of their sales, and changes to individual taxes — such as doubling the standard deduction — will increase discretionary income.

It's also a good time to think about the consumer discretionary sector, says Lewenza, as lower prices at the pumps mean consumers have more cash to spend.

Desjardins Capital Markets analyst Maher Yaghi, for one, expected a reduction of $ 5 to $ 10 in monthly revenue per user «as customers get the option to choose the channels they want to watch and move discretionary money toward OTT (over-the-top) services such as Netflix.»

Millennials — Americans born in the 1980s and 1990s, also referred to as Generation Y — will spend $ 69 billion on discretionary items this year alone, according to data from a recent Harris Interactive study.

April 27 - Wall Street struggled for direction on Friday as inflation jitters and sagging technology and energy stocks offset an advance in the consumer discretionary sector led by Amazon.

«After that, the most likely outcome is that discretionary spending grows at least as fast as inflation, from that new, much higher baseline,» says Riedl.

Pricey gas hikes the cost of getting to and from a weekend place, of course, while also diminishing cash on hand for discretionary items such as cottages.

Republican Presidents, including Trump, have promised to balance future budgets with gigantic reductions in discretionary spending, a category that includes both outlays for defense, and all other areas that are voted each year (as opposed to entitlements that provide benefits guided by a fixed formula).

«Republicans always wanted to raise spending on defense, Democrats wanted to raise spending on the rest of the discretionary budget across the board, and Republicans supported increased spending on a lot of those line items as well.»

But the S&P 500 total return and equal weighted indices have already broken through their 2007 highs, as have the sector indices for Discretionary, Staples, Health Care and Tech (and the NASDAQ).

Bottom line: My recommendation for Canadian issues is to concentrate in the banks and other financials, utilities and telecoms at the expense of other sectors such as consumer staples and consumer discretionary stocks.

«In this month's fund holdings update, Consumer Discretionary remained the most crowded sector, as large cap fund managers modestly raised their relative exposure to a five - month high,» strategist Savita Subramanian wrote in a note to clients Thursday.