One of the most important things you can
do for your financial future is to set money aside for retirement.
One of the worst things you can
do for your financial future is to put all of your eggs in one basket.
Dealing with any disaster is stressful enough without the added worry of what this disaster will
do for your financial future.
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.
While not having those policies
does save you money in the short run, it can set you or your family up
for a certified
financial disaster anytime in the
future.
But if you don't think your
financial situation can accommodate putting money away
for the distant
future, you might not even attempt the effort.
Many
financial planners are
doing a poor job at, well, planning — both
for the
future of their own firms and in grooming the next generation of advisors.
«Retail clients, who don't fully understand these products should be protected from going into these products, because if there is a retail client affected in the
future, the question will be again who was the bank that sold them these products and then banks will be blamed again
for what has happened,» Weber said in reference to some banks being criticized
for selling complicated
financial products prior to the global
financial crisis without explaining them in full.
Battery technology may improve a bit over time (after all, there's plenty of
financial incentive
for better batteries), but, while interesting possibilities may pop up, don't expect major battery breakthroughs in the near
future.
By slashing capital costs as they are (necessarily
for financial reasons)
doing, they are cutting production literally years in the
future.
«There's a greater urgency among women investors to use their growing
financial clout in support of other women and to invest in the
future they want — rejecting outdated views about sacrificing the potential
for investment returns or forgoing their own goals in order to
do so,» Krawcheck said in a statement.
More from Your Money, Your
Future: Mulvaney pitches his revamp of consumer bureau to Congress 5 cities
for a fresh financial start For some consumers, bankruptcy is the solution to crushing debt Here's what people would do with a $ 10,000 windf
for a fresh
financial start
For some consumers, bankruptcy is the solution to crushing debt Here's what people would do with a $ 10,000 windf
For some consumers, bankruptcy is the solution to crushing debt Here's what people would
do with a $ 10,000 windfall
The new year is right around the corner so don't waste this opportunity to have a more secure
financial future for yourself.
If you have a
financial victory you want to share on this show, please leave me a voicemail (or email) and include the following: name, location, your big win, how you
did it and your plans
for the
future.
But
for those of you who are looking
for more specific guidance so you don't have to worry as much about your
financial future, Personal Capital can help.
Define your overall
financial goals.What kind of
future do you hope
for?
A crop of non-GAAP
financial metrics are useful to understand why normal accounting doesn't
do a great job at showing off
future growth, and profits, of companies that spend heavily to acquire customers, and then earn revenues off that customer in regular intervals
for the
future.
Whatever
financial tools you end up applying
for in the
future as an owner in a business entity, it's always a good idea to
do your own due diligence beforehand, gathering all the important information about your business, including the legal name, tax ID, address, revenues, number of employees, etc..
The
financial industry's recommendation to «shoot to replace 70 to 80 percent of your pre-retirement income» doesn't bode well
for retirement income needs because it's missing the most important piece of information from a
future retiree:
In a draft letter from the
Futures Industry Association — the industry lobby group whose members include banks such as JPMorgan and Goldman Sachs — to the CFTC, the implementation of bitcoin futures contracts «did not allow for proper public transparency and input,» reports the Financial Times, who have reportedly seen the
Futures Industry Association — the industry lobby group whose members include banks such as JPMorgan and Goldman Sachs — to the CFTC, the implementation of bitcoin
futures contracts «did not allow for proper public transparency and input,» reports the Financial Times, who have reportedly seen the
futures contracts «
did not allow
for proper public transparency and input,» reports the
Financial Times, who have reportedly seen the draft.
That doesn't bode well
for America's place in the
financial future.
Don't pass up this opportunity to help prepare
for your
financial future.
I always say it's a marathon rather than a sprint and what we're really
doing is setting ourselves up
for a brighter
financial future decades down the road rather than days.
Who should get one: This is a good option
for older people who have established
financial lives and don't expect to open a credit card or other loan in the near
future.
Still, there's likely more you could be
doing to ensure a safe
financial future for yourself — namely, opening a secondary retirement account.
Another possible explanation
for these results is that some people
do not have a clear sense of their
financial future, so they prefer shorter time periods that are easier to visualize.
As much as I am outside of my comfort zone here (I
do not attend church - nor plan on
doing so ever again, I have plenty of non-christian friends but not one Christian friend in my current city, I DJ at a bar, I run a radio that plays secular music (yet everything is sacred), I work a regular day job, I struggle with
financial hardship and responsibilities I never asked
for..., I sometimes have fear of the
future and many times my faith dwindles... Some days I cry because I support my family and I feel just really tired...) despite all this fractured humanity that I am....
but, im ok with this vardy transfer... it shows us many things: 1) wenger is changing, something some of us have been demanding
for a long time; 2) it shows that wenger is taking risks: think about it, he is buying a men
for a not cheap price, knowing he could not getting anything after, with a
future sell i mean... this is an act that shows wengers intentions to win something, the buy is not motivated by any
financial or economic reason but only
for a «get the f epl once again» reason... this is an act that shows us hungry, even if we fail, we could said we try... first ever, we really try; 3) finally but very important... vardy is the kind of player we need... he is a warrior, a fighter... he has character... look at how he celebrate his goals... full of energy... he, like alexis, can motivate the team when the things are not going in our way (something wenger cant
do because of his age and because he has never been an active coach on the pitch)... the vardy transfer, if it finish well, is a demostration of a change, and a good one... lets take care of winning things and
do nt look the economic side
for once... vardy is a bit old, but we can give a chance to welbeck after maybe, or akpom... u are not thinking about the
future when we talk about ibra... guys: u complain when wenger
do nt spend or because he is always looking
for the bargain when u are the guys who has to pay the very expensive tickets... u complain when wenger buy the always
for the
future guy... like morata... stop to complain
for everything and be consequent with yourself... i would love auba, but it is not going to happen... lukaku is awesome but the asking price is stupid... lets try with vardy, give us the throphy..
this tells me that the
financial prudence we have extolled as prudent
for the clubs
future and
for the adherence to FFP is really a smoke and mirrors situation we need a striker (opinions differ to which one) we need cover
for Le Coq (again opinions differ) and maybe we need one other in another area of the pitch, but if we don't get them we wont be better than we were this year and we wont move closer to the real glory.
Yes we didn't have the
financial muscle before but we
do now and it should be trusted with someone with (5 - 10 year) plans
for the
future not one or two years.
The transfer window isn't even shut yet though; you can say we should just pay over the odds to have a more complete squad
for the extra cpl matches - but saving # 3 - 8M on each of multiple transfers may equate to affording the signing of another big player in a
future transfer window - & when you don't have the same
financial resources as several of your rivals, that stuff is important.
which is certainly not a slight on the young french national player; like him or not, Sanchez has provided some real world - class performances
for club and country in recent years... if you
do this move, you need to really clean house or face some serious consequences
for the foreseeable
future... half measures are rarely rewarded, that's how we got here... tear down the wall... we need to get rid of Giroud, not because he isn't a talented player, his skill - set simply doesn't make sense if we hope to maximize the offensive potential of a quick passing, one - touch scheme... we need to evolve, like Barcelona, who realized you needed to have clinical finishers or face a mind - numbing
future of horizontal passes and largely ineffective crosses... Barca went and got Suarez, even though they had Messi and Neymar on the roster (just imagine the possibilities — another in the litany of Wenger «what ifs»)... we need to be as clinical in the boardroom as on the pitch... accept nothing less or move on... personally I would move on from Welbeck, Giroud and Walcott, even Ox if he isn't all in... I think the most intriguing player might be Perez, which runs counter to the thoughts in my head when he arrived late last summer... we need a deep lying DM with quick feet and long ball potential, midfielders who can counter quickly even when they are spread out and 4 or 5 players who know how to attack the lanes (kind of a cross between Barca, Dortmund and Monaco)... this is seriously an achievable goal, one that logically should have been achieved quite a few years ago...
did no one in the Arsenal organization see the
financial restructuring of the football universe... think of the players we could have had but we weren't willing to cough up the dough only
for those individuals to have their value double or triple within a 12 to 24 month period... even if just from an investment perspective these «no deals» represent a failure of monumental proportions... only if you cared, of course
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...
i already answer this pointless (i have no problem with u and i
do nt want to point u, but making this point shows how blind are u men) Are Arsenal in a
financial situation that ensures they will be secure
for the forseeable
future?
First, Liverpool fans need to understand the club is not the force it once was, and with the league structured the way it is, with rival teams boasting immense
financial reserves, world - class players, and phenomenal managers,
for the foreseeable and immediate
future, at least, there is no chance of Liverpool dominating English football, in the manner it once
did under Shankly and Paisley.
What
does the
financial future hold
for football?
What many don't put into perspective, however, is the
financial capability of a club which were rebranding themselves and building their legacy
for the
future.
Think about it, if everybody could make free use of your hard work without paying anything, and profit from any expensive
financial and other investments you made in the past, it would be very discouraging
for you to
do extraordinary things in the present or in the
future or make similar investments again.
Mexico may also require a minimum price
for carbon emission permits, as California
does, so companies can better predict their
future financial positions.
But, there are a few things you should definitely avoid
doing in your young adulthood, in order to set yourself up
for a successful
financial future.
She is hard working, invested in creating a secure
financial future for herself and doesn't need you to make it possible.
It's primarily the fans that have supplied the funds
for the project, and in
doing so proven a viable audience
for any other potential
future financial backers.
It is clear that standardized testing can never close the achievement gap, that the Common Core Standards are not good learning and
do not give students the skills they need
for their
future, and that the education «reform» effort is not reform at all but a way to remove public education as a right
for all while it provides substantial
financial profit
for the investors.
Does the school business manager (or equivalent) or senior leader with responsibility
for finance, regularly brief the rest of the senior leadership team regarding budget updates,
future funding scenarios, potential areas of overspend / underspend and
financial objectives of the school?
Such statements reflect the current views of Barnes & Noble with respect to
future events, the outcome of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand
for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse
financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that
financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it
does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson
do not achieve the expected benefits
for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K
for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q
for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K
for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.
Such statements reflect the current views of Barnes & Noble with respect to
future events, the outcome of which is subject to certain risks, including, among others, the effect of the proposed separation of NOOK Media, the general economic environment and consumer spending patterns, decreased consumer demand
for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse
financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that
financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it
does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung
do not achieve the expected benefits
for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K
for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q
for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K
for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.
More from Your Money Your
Future: Mulvaney pitches his revamp of consumer bureau to Congress 5 cities
for a fresh financial start For some consumers, bankruptcy is the solution to crushing debt Here's what people would do with a $ 10,000 windf
for a fresh
financial start
For some consumers, bankruptcy is the solution to crushing debt Here's what people would do with a $ 10,000 windf
For some consumers, bankruptcy is the solution to crushing debt Here's what people would
do with a $ 10,000 windfall
And our
financial lives are just as important as any of those and many people don't utilize expertise
for their
futures.»
Instead, read this as a rally cry
for retail investors to take control of their own
financial future, instead of hoping that a bank will discover its inner benevolence and
do something other than try to boost its bottom line.
To them, money spent on earning income is deductible, but money spent on ultimately saving money by arranging
financial affairs or
doing financial planning
for the
future is not.