Sentences with phrase «better financial planning on»

Clearly, this is going to be better financial planning on your part so you're fully prepared to pay the Grantosa Heights renters insurance premiums when you sign your contract.

Not exact matches

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.

The XY Planning Network would be a good place to look for a financial planner focused on people in this stage of life.

All young people can do is base their options on what the current health - care rules are today, said Carolyn McClanahan, both a certified financial planner and an M.D. «The number one thing young people need to do is continue to scream at the politicians to get some good health legislative policy in place,» said McClanahan, founder and director of financial planning at Life Planning Pplanning at Life Planning PPlanning Partners.

More and more professionals agree that a better strategy is to explore and fine tune your assumptions before declaring a specific plan with financial projections based only on your dream and passion.

The financial section of the business plan should provide a franchisee with information about the investment necessary to be successful, as well as the expected return on that investment.

One of the best ways to get financing with a tax lien and put yourself on the path to financial recovery is to arrange a repayment plan with the government agency that filed the lien.

The company provides free online resources to help readers manage money, including articles and advice on budgeting, investing, and money habits, as well as paid financial planning services.

The best plan for you is going to depend on your personal financial situation.

Follow Beth on LinkedIn for insights on financial wellness and well - being, benefits program case studies and best practices in retirement plan design.

Follow Kevin for insights on workplace trends, client case studies, best practice retirement plan design and financial wellness.

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.

Jun 28, 2017 A good credit score is vital to your financial health, especially if you're planning on making a major purchase, such as a home or a new car.

It's important to focus on what you can do today as well as down the road, said Douglas Boneparth, a certified financial planner at Life and Wealth Planning in New York City.

One of their best new features is their new Retirement Planning Calculator that pulls in your real data after you've linked all your account, and spits out future financial scenarios based on a sophisticated Monte Carlo simulation.

Recent awards bestowed on Don include the 2011 BBB International Torch Award for Consumer Leadership from the Council of Better Business Bureaus and the 2010 Heart of Financial Planning Award from the Financial Planning Association.

We approach our portfolio companies with a focus on developing a strategic growth plan, supplemented with our financial expertise and operational best practices, all underpinned by disciplined corporate governance.

As an overlay on Collaborative PBM Cloud ™, AdvanceESM ™ (Enterprise Service Manager) extracts and consolidates information across all departments of the PBM, providing plan sponsors with a 360 ° view enhancing critical health / financial decision - making resulting in best outcomes.

Follow Kevin on LinkedIn for insights on workplace trends, client case studies, best practice retirement plan design, and financial wellness.

Written by NCEO founder Corey Rosen, this issue brief discusses as of mid-2016 the extent and growth of employee ownership; survey data on ESOPs and corporate governance as well as ESOPs and executive compensation; research on the effect of ESOPs on corporate performance; the 2012 shared capitalism study of Great Place to Work applicants; data on employee ownership and employee financial well - being; the NCEO's analysis of data on ESOPs and default rates; trends in broad - based equity compensation plans; equity compensation and corporate performance; the impact of ESOPs and other broad - based plans on unemployment; legislative and regulatory issues for employee ownership; and international developments in broad - based plans.

Financial figures and charts presented in a pretty blue three - ring binder mean virtually nothing without the context of why we plan on quitting a perfectly good job.

Well, suppressing one's emotions regarding the fear of deep market losses might help an investor stick with their financial plan in a mild correction, but in the early 2000s and again in 2008, many an Elephant reared up and sent the rider on a precipitous fall of his or her own.

If you're planning on selling within that five - year time frame, a 5/1 ARM could be your best financial choice.

The Auditor General, in her Observations on the financial statements, stated that «having accrual - based budgeting results in improved financial oversight as the plans and related results are on the same basis of accounting and therefore result in better transparency and accounting.

It may be the furthest out, but any good financial plan starts with calculating how much money you'll need to live on during your retirement years, putting a strategy in place to get there, and then addressing your shorter term needs.

The best age for Social Security benefits depends on personal and financial factors, like your current cash needs, retirement plans, health and family history.

We place significant emphasis on educating plan participants, so they can be better equipped when making retirement and other financial wellness decisions.

So if you plan on shopping for your own loans or credit in the near future, co-signing a loan with someone else might not be in your best financial interest.

Currently, he is a Board Member of the Latvian Association of Tax Advisors, where he represents the professional interests of tax consultants in discussions with representatives of the Ministry of Finance and officials of Tax Administration.As a financial and legal advisor, Ainis has participated in various investment and management projects, provided consultations on tax planning, tax legislation, tax risk evaluation as well as represented his clients in financial and judicial authorities.

Host of a nationally syndicated radio program and author of multiple best - selling books, Ramsey targets evangelical Christians with what he calls a «biblical» approach to financial planning, one that focuses primarily on the elimination of consumer debt.

Republicans should be happy to learn this Truth that has brought America to the state of Light for Obama to pick on it.One thing good about American Democracy is it is «truly participating» and lasting with lessons for others to follow in modernity to tap blue horizons of life.Those blue horizons just do not end in economics that has many minds to tap the financial barometer of the country self educative in working of its affluent class and ordinary class both domestically and internationally relating to perfection with budgeting of money in economic plans that have been existing and are in the process to move charismatically with a tide over where bipartisan element also comes into play well integrated to test the mettle of the top leader of the country who has to stand over the continuous democratic element evolving of the country both in economic as well as inherently in spiritual terms for the good of the people at large mixing with the culture of exchange that has humanity behind it to survive??

whether for the right or wrong reasons, our leader chose to stay on when things took a turn of sorts... a new owner arrived on the scene, plans for a new stadium emerged and Wenger became the bearer of bad news... he sold us on a new story, one that required patience on our parts... financial constraints were the order of the day, so that the enormous sums spent on the new venue could be recouped... although some would question the validity of such claims, why wouldn't they believe their faithful leader... according to those within the hierarchy, the future never looked so bright, as this new home would ensure our place among the elites for years to come... as we all know now these claims were a well constructed fabrication and so those who feel they were duped in the process are infuriated and rightly so... the fact that this club and it's manager have continually misled the fans, especially following Gazidis's claims about our financial liquidity, simply rubbed more salt in an already gaping wound... this surely isn't how you treat your «family», especially when they supported you through the supposed «lean» years... it was a dirty trick played by Kroenke but the fact is was orchestrated by Wenger himself hurt the most... as for those in the media, many of whom are former players or longtime pundits, who observed the early years firsthand, saw this as the perfect opportunity to vent the anger they felt towards this pretentious man once and for all... all in all, karma's a bitch

there is no doubting that Arsene has helped to provide us with some incredible footballing moments in the formative years of his managerial career at Arsenal, but that certainly doesn't and shouldn't mean that he has earned the right to decide when and how he should leave this club... there have been numerous managers at each of the biggest clubs in Europe throughout the last decade who have waged far more successful campaigns than ours yet somehow and someway each were given their walking papers because they failed to meet the standards laid out by the hierarchy of their respective clubs... of course that doesn't mean that clubs should simply follow the lead of others, especially if clubs of note have become too reactionary when it comes to issues of termination, for whatever reasons, but there should be some logical discourse when it comes to the setting of parameters for a changing of the guard... in the case of Arsenal, this sort of discourse was largely stifled when the higher - ups devised their sinister plan on the eve of our move to the Emirates... by giving Wenger a free pass due to supposed financial constraints he, unwittingly or not, set the bar too low... it reminds me of a landlord who says he will only rent to «professional people» to maintain a certain standard then does a complete about face when the market is lean and vacancies are up... for those who rented under the original mandate they of course feel cheated but there is little they can do, except move on, especially if the landlord clearly cares more about profitability than keeping their word... unfortunately for the lifelong fans of a football club it's not so easy to switch allegiances and frankly why should they, in most cases we have been around far longer than them... so how does one deal with such an untenable situation... do you simply shut - up and hope for the best, do you place the best interests of those with only self - serving agendas above the collective and pray that karma eventually catches up with them, do you run away with your tail between your legs and only return when things have ultimately changed, do you keep trying to find silver linings to justify your very existence, do you lower your expectations by convincing yourself it could be worse or do you stand up for what you believe in by holding people accountable for their actions, especially when every fiber of your being tells you that something is rotten in the state of Denmark

I'm betting there will be a much bigger focus on the CL performances and losses than the fact we're 3 pts from the top... While neglecting the fact that the financial muscle they all want flexed so badly is only now a possibility due to the careful planning and years of competing with the big spenders of the league while laying the foundations for a better future.

Time for some brutal honesty... this team, as it stands, is in no better position to compete next season than they were 12 months ago, minus the fact that some fans have been easily snowed by the acquisition of Lacazette, the free transfer LB and the release of Sanogo... if you look at the facts carefully you will see a team that still has far more questions than answers... to better show what I mean by this statement I will briefly discuss the current state of affairs on a position - by - position basis... in goal we have 4 potential candidates, but in reality we have only 1 option with any real future and somehow he's the only one we have actively tried to get rid of for years because he and his father were a little too involved on social media and he got caught smoking (funny how people still defend Wiltshire under the same and far worse circumstances)... you would think we would want to keep any goaltender that Juventus had interest in, as they seem to have a pretty good history when it comes to that position... as far as the defenders on our current roster there are only a few individuals whom have the skill and / or youth worthy of our time and / or investment, as such we should get rid of anyone who doesn't meet those simple requirements, which means we should get rid of DeBouchy, Gibbs, Gabriel, Mertz and loan out Chambers to see if last seasons foray with Middlesborough was an anomaly or a prediction of things to come... some fans have lamented wildly about the return of Mertz to the starting lineup due to his FA Cup performance but these sort of pie in the sky meanderings are indicative of what's wrong with this club and it's wishy - washy fan - base... in addition to these moves the club should aggressively pursue the acquisition of dominant and mobile CB to stabilize an all too fragile defensive group that has self - destructed on numerous occasions over the past 5 seasons... moving forward and building on our need to re-establish our once dominant presence throughout the middle of the park we need to target a CDM then do whatever it takes to get that player into the fold without any of the usual nickel and diming we have become famous for (this kind of ruthless haggling has cost us numerous special players and certainly can't help make the player in question feel good about the way their future potential employer feels about them)... in order for us to become dominant again we need to be strong up the middle again from Goalkeeper to CB to DM to ACM to striker, like we did in our most glorious years before and during Wenger's reign... with this in mind, if we want Ozil to be that dominant attacking midfielder we can't keep leaving him exposed to constant ridicule about his lack of defensive prowess and provide him with the proper players in the final third... he was never a good defensive player in Real or with the German National squad and they certainly didn't suffer as a result of his presence on the pitch... as for the rest of the midfield the blame falls squarely in the hands of Wenger and Gazidis, the fact that Ramsey, Ox, Sanchez and even Ozil were allowed to regularly start when none of the aforementioned had more than a year left under contract is criminal for a club of this size and financial might... the fact that we could find money for Walcott and Xhaka, who weren't even guaranteed starters, means that our whole business model needs a complete overhaul... for me it's time to get rid of some serious deadweight, even if it means selling them below what you believe their market value is just to simply right this ship and change the stagnant culture that currently exists... this means saying goodbye to Wiltshire, Elneny, Carzola, Walcott and Ramsey... everyone, minus Elneny, have spent just as much time on the training table as on the field of play, which would be manageable if they weren't so inconsistent from a performance standpoint (excluding Carzola, who is like the recent version of Rosicky — too bad, both will be deeply missed)... in their places we need to bring in some proven performers with no history of injuries... up front, although I do like the possibilities that a player like Lacazette presents, the fact that we had to wait so many years to acquire some true quality at the striker position falls once again squarely at the feet of Wenger... this issue highlights the ultimate scam being perpetrated by this club since the arrival of Kroenke: pretend your a small market club when it comes to making purchases but milk your fans like a big market club when it comes to ticket prices and merchandising... I believe the reason why Wenger hasn't pursued someone of Henry's quality, minus a fairly inexpensive RVP, was that he knew that they would demand players of a similar ilk to be brought on board and that wasn't possible when the business model was that of a «selling» club... does it really make sense that we could only make a cheeky bid for Suarez, or that we couldn't get Higuain over the line when he was being offered up for half the price he eventually went to Juve for, or that we've only paid any interest to strikers who were clearly not going to press their current teams to let them go to Arsenal like Benzema or Cavani... just part of the facade that finally came crashing down when Sanchez finally called their bluff... the fact remains that no one wants to win more than Sanchez, including Wenger, and although I don't agree with everything that he has done off the field, I would much rather have Alexis front and center than a manager who has clearly bought into the Kroenke model in large part due to the fact that his enormous ego suggests that only he could accomplish great things without breaking the bank... unfortunately that isn't possible anymore as the game has changed quite dramatically in the last 15 years, which has left a largely complacent and complicit Wenger on the outside looking in... so don't blame those players who demanded more and were left wanting... don't blame those fans who have tried desperately to raise awareness for several years when cracks began to appear... place the blame at the feet of those who were well aware all along of the potential pitfalls of just such a plan but continued to follow it even when it was no longer a financial necessity, like it ever really was...

Assemblyman Jim Tedisco (R,C,I - Glenville) today said the 2014 - 15 New York State Budget is a mixed bag for taxpayers and offered what he believes is the Good, the Bad and the Ugly on the state's annual financial plan.

«Teachers have made their financial plans for retirement in good faith on the basis of the long established and historic link with RPI.

One can only hope that with the unprecedented flexibility afforded to pensioners, the government follows through on their plan to ensure all have access to free face - to - face financial advice on the best use for their pension pots.

Cuomo's enacted budget as well as his first quarterly financial plan update for fiscal 2015 assumed the state would make one more deferral of nearly $ 743 million this year and then resume making its full required contributions, as well as scheduled payments on past deferrals, starting in fiscal 2016.

Further, given the potential negative impact on the state's financial plan, the issues raised by this legislation are better dealt with in the context of negotiations for the upcoming state budget.»

The Council's Committee on Finance met for oversight on the de Blasio administration's November Financial Plan Update, which shows a projected increase in spending of $ 1.3 billion this fiscal year, as well as additional savings being set aside by the city.

On his 49th birthday, we get reports that Spitzer's legal future looks grim, but his financial plan is a good one!

• Providing these students with financial - planning advice early on, including information on private need - and merit - based scholarships, private loans, and school loans, as well as creating paid opportunities like paid research and internships.

Angel didn't get his license till after he was 18 because of the immense cost of driver's training and adding a teenage driver to the family insurance plan — it just made better financial sense for him to wait on getting a license.

My husband was on board with the plan — he understood the importance of building both of our careers as well as financial wealth.

Even more, there is growing awareness that pension plan reports are based on actuarial assumptions that make their financial conditions appear better than they actually are.

A skilled and well - qualified school business management professional on the school leadership team can focus on ensuring the effective use of available financial and human resources, aligned to the school's pedagogical aims and development plan, whilst other members of the team focus on improving teaching and learning.

Effective governance and financial management depends on good quality, timely and relevant information, which forms the basis for decision making, scrutiny and action planning.

The 50 participants are also provided with a full five - day schedule that includes workshops on fundraising, governance, financial management, and strategic planning, led by faculty experts as well as sitting and past presidents.

It says that governors should hold the school leadership team to account on financial management matters, as well as prudent budget forecasting and planning.