Sentences with phrase «essential expenses in»

Half of Americans are not on track to generate enough post-career income to cover their essential expenses in retirement, according to a recent survey of nearly 3,200 working adults by Fidelity Investments.

Gail Vaz - Oxlade, author of Debt - Free Forever and host of Til Debt Do Us Part, says saving up six months» worth of essential expenses in an emergency fund is a key component of any sound financial plan (source).

Are you confident that you'll have enough income to cover your mortgage as well as other essential expenses in retirement?

As a result of this positive behavior, the number of people who are likely to afford at least their essential expenses in retirement jumped seven percentage points since 2013, from 38 to 45 percent.»

Not exact matches

Now, I want to frame this article with a clear understanding that your team is essential and indispensable and, in that sense, really not an expense.

In a paper appearing in the Journal of Business Ethics, she identifies three essential factors in a «fraud triangle» that make otherwise ethical people justify stealing petty cash or inventory, expensing things for personal use or adding false credentials to their resumés: motivation, opportunity and rationalizatioIn a paper appearing in the Journal of Business Ethics, she identifies three essential factors in a «fraud triangle» that make otherwise ethical people justify stealing petty cash or inventory, expensing things for personal use or adding false credentials to their resumés: motivation, opportunity and rationalizatioin the Journal of Business Ethics, she identifies three essential factors in a «fraud triangle» that make otherwise ethical people justify stealing petty cash or inventory, expensing things for personal use or adding false credentials to their resumés: motivation, opportunity and rationalizatioin a «fraud triangle» that make otherwise ethical people justify stealing petty cash or inventory, expensing things for personal use or adding false credentials to their resumés: motivation, opportunity and rationalization.

Then add in «discretionary» expenses, or those that are not absolutely essential but are important to you.

In many parts of the country, contractors have to contend with seasonal fluctuations of income and expenses, which makes long - range financial planning essential for success.

ThinkAdvisor — Half of savers are at risk of not meeting essential retirement expenses in a downturn, Fidelity finds.

Additionally, employees of Bass Pro Shops impacted by hurricane Harvey are eligible for assistance through the Bass Pro Cares Fund, which furnishes financial support for essential living expenses «in times of devastating need.»

Doing a detailed budget is essential in order to determine if you can afford the cost of a loan, as it will indicate the effects of the new expense on your other bills.

«However, this means more than half (55 percent) are estimated to be at risk of being unprepared to completely cover essential living expenses in retirement, which includes housing, health care and food.»

Among those who plan to work in retirement out of financial necessity, a survey by the Transamerica Center for Retirement Studies found 43 % expected to use the money to cover essential expenses, 37 % to pay for health care, and 20 % to save more for retirement.2

The rest of the needed cash for the first five years will come from savings and capital gains from our brokerage accounts, where we'll have enough in low - risk investments to cover our essential expenses.

Essential Functions: • Coordinate details of winery events such as winemaker dinners, private dinners, corporate events, and employee appreciation events • Market and sell winery weddings • Manage correspondence with wedding clients and other event attendees • Calculate budgets and execute other financial documents • Schedule vendors, musicians, caterers and other talent for winery events • Coordinate and monitor event timelines and work orders • Develop marketing plans to maximize exposure for the winery events and weddings • Act as a host to guests arriving to the vineyard directing them to a tasting bar or table • Collect payments and record data pertaining to income and expenses • Work with management in order to handle complaints and dissatisfied customers • Assist office with administrative tasks: phone calls, emails, etc. • Ensure the facility is properly maintained and organize clean - up and repairs • Hire and supervise part time event staff • Act as a concierge for guests, providing recommendations on hotels, restaurants, wineries, breweries, and other activities in the area • Other assignments as needed

Many single parent families bring in enough money to pay for fixed expenses like shelter and transportation but run out of money for food and other essentials before the end of the month.

«Instead of distorting the Congresswoman's record with negative ads, Mr. Carvin should explain his support of the radical Ryan budget that would end Medicare as we know it, saddle seniors and the middle class with devastating new expenses, and harm our economy by eviscerating essential investments in education, research, and infrastructure.»

According to Charles Clarke, speaking before Brown moved to clean up MPs» expenses: «It is now absolutely essential for the Prime Minister to take active steps to restore confidence in politics — Labour politics in particular.

Mr Cameron and his ministers insist the process of lifting the «cloak of secrecy» around government is essential to win back voter trust after the expenses scandal and a breakdown of public belief in the political system.

But much state travel to North Carolina would be considered «essential» under the parameters laid out by the order, according to a POLITICO New York review of records obtained from the state comptroller's office identifying $ 793,661 in expenses for trips to the state over the past three years.

Vigilance — time spent head up, looking for threats — is essential for survival in systems with top predators, but it comes at the expense of time spent eating.

The essential lesson is in learning how to create boundaries that don't come at the expense of our relationships with those we love.

I don't know that soaking is essential in order for you to be able to get the nutrition, and have not seen studies comparing the effects of soaked and unsoaked nuts, but if you want soaked nuts without the added expense, that is the way to do it.

In addition to the inconvenience and added expense, a gluten - free diet can result in a poor intake of fiber and certain essential nutrientIn addition to the inconvenience and added expense, a gluten - free diet can result in a poor intake of fiber and certain essential nutrientin a poor intake of fiber and certain essential nutrients.

As schools engage in conversations and planning around Next Generation Learning, it is essential to begin designing opportunities for students to develop transdisciplinarity — but not at the expense of deep content knowledge.

Those questions will help me to create some parameters so my priorities stay in balance — so data collection and analysis do nt happen at the expense of essential one - on - one time with my students.

Introduction In his latest commentary [May 2016], Sir Michael Wilshaw says that the emphasis in recent years on English and mathematics at key stage 2, while absolutely essential, should not be at the expense of other important subjectIn his latest commentary [May 2016], Sir Michael Wilshaw says that the emphasis in recent years on English and mathematics at key stage 2, while absolutely essential, should not be at the expense of other important subjectin recent years on English and mathematics at key stage 2, while absolutely essential, should not be at the expense of other important subjects.

Except as set forth in paragraph (D)(2) of this appendix, recipients will attribute to an individual claiming disadvantaged status any assets which that individual has transferred to an immediate family member, or to a trust, a beneficiary of which is an immediate family member, for less than fair market value, within two years prior to a concern's application for participation in the DBE program, unless the individual claiming disadvantaged status can demonstrate that the transfer is to or on behalf of an immediate family member for that individual's education, medical expenses, or some other form of essential support.

In setting your initial withdrawal rate, you'll also want to consider how much of your expenses you can cover from Social Security and any pensions, what other resources you have to draw on (home equity, income from an annuity, cash value life insurance, income from a part - time job) and how much of your retirement spending goes to essential expenses that you would have a hard time trimming vs. discretionary items that leave you with a lot more leeway cutting back should you need to in the futurIn setting your initial withdrawal rate, you'll also want to consider how much of your expenses you can cover from Social Security and any pensions, what other resources you have to draw on (home equity, income from an annuity, cash value life insurance, income from a part - time job) and how much of your retirement spending goes to essential expenses that you would have a hard time trimming vs. discretionary items that leave you with a lot more leeway cutting back should you need to in the futurin the future.

The main reason people get term life insurance is to protect against loss of income in case of death, so their loved ones will be financially secure and can cover essential expenses, including living expenses, mortgage payments, and college tuition.

If you've got a big enough emergency fund — a minimum of six months» essential expenses — you'll have the buffer you'll need to deal with a rise in interest rates.

Aside from the fact that it's pretty comprehensive — it allows you to enter several dozen expense items in eight broad spending categories — the tool also helps you see how much of your spending goes toward essentials (food, housing, health care, etc.) vs. discretionary expenditures (entertainment, dining out, charitable donations, etc.).

In other words, your leftover spending money after your essential bills and expenses is what your new monthly loan payment will reflect.

In planning for retirement, you want to be sure you can effectively replace your paycheck, cover essential expenses, maintain your desired lifestyle and perhaps even leave a legacy.

BlackRock's Retirement Expense Worksheet, for example, allows you to enter upwards of 50 separate expense items in eight categories ranging from essential expenditures such as housing, food and insurance to more discretionary outlays like entertainment, travel, gifts and charitable contribExpense Worksheet, for example, allows you to enter upwards of 50 separate expense items in eight categories ranging from essential expenditures such as housing, food and insurance to more discretionary outlays like entertainment, travel, gifts and charitable contribexpense items in eight categories ranging from essential expenditures such as housing, food and insurance to more discretionary outlays like entertainment, travel, gifts and charitable contributions.

Fidelity's Retirement Income Planner tool contains a similar worksheet that, in addition to having slots for dozens of expense items, allows you to designate an expenditure as essential.

In general, you can use a custodial account to pay for any expenses that benefit the child, as long as they are not considered the basic essentials of living.

This combined effort will soon show its effectiveness as you will notice how the amount of money you pay on interests is progressively reduced and you will be able to retake all the non essential expenses you had to cut in order to get out of your debt problem.

Regardless of where you're starting and what percentage of income you're trying to save, taking enough risk by investing in stocks and keeping investment expenses minimal by choosing low - cost ETFs and mutual funds are essential to meeting your goal.

Emergencies and unexpected expenses can strike when you least expect, and it's for this reason that saving money in an emergency fund is essential to good personal finance.

Although marketing is essential to the growth and well - being of a business, marketing expenses can be difficult to evaluate and cause quite a dent in a business's income.

You don't have to be making lots of money to retire early, as long as you have a stable cash flow coming in to cover your essential expenses, rest you can build up over time.

The fund's average spread of 0.02 % and expense ratio of 0.02 %, which is less than the average for the category, play essential roles in maximizing total returns.

Keep in mind this hierarchy when it comes to funding allocation: essential expenses, savings, emergency funds.

The amount you spend for your essential expenses will affect the amount you can put in your savings and in your emergency fund (a.k.a. extra cash), so make sure that you include only what you need, such as expenses for rent, utilities, food, and clothing.

Keeping other funds in low yield «safe» investments should be limited to cash essential to have for required living expenses.

Once you've tallied up your essential expenses, you have pretty good idea of the minimum income you need to sustain your lifestyle in retirement.

Most of us salaried folk today are in a paycheck to paycheck mentality where towards the end of the month, we literally revert to the zero balance in our bank account and eagerly await the paycheck just to be able to pay essential expenses like loan repayments, housing, transportation cost etc..

However, today for anyone with even a slight interest in improving their financial life, financial independence implies having enough money for the essential expenses, without having to work for it.

Tracking your monthly expenses won't make you feel «richer» at first, but it is an essential first step in developing a healthy financial plan and helps you identify improvement areas.