It's important to find a plan that will meet your coverage requirements as your lifestyle and
financial plans change.
The sole breadwinner of a young family may choose a term life policy for affordable protection, then switch to a universal policy once his children are grown and
his financial plan changes.
Not exact matches
And consider a backup
plan in case life
changes for your kids — for example, they move to another city and you don't want to follow them, or they have
financial hardships of their own that prevent them from helping you.
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.
A government document seen by the
Financial Times said that the country's amended National Transformation
Plan, dubbed NTP 2.0, would «
change existing initiatives and add new ones.»
You should also regularly update them on any
changes to your
financial situation, or any
plans that might be costly such as office renovations.
And when do you
plan to start challenging conventional wisdom with it, paving the way to
financial success and perhaps even revolutionary
change?
The high level of service you've come to expect should not
change, and the same group of experts should continue to serve you for all of your wealth management and
financial planning needs.
When working with boomers,
financial professionals need to
change their language from «
planning for retirement» to «what are your retirement
plans.»
CIBC is just the latest major
financial institution to see a
changing of the guard — the CEOs of Royal Bank of Canada (RBC), Toronto - Dominion Bank (TD) and the Bank of Nova Scotia (Scotiabank) have all revealed retirement
plans in the recent past.
This means that if there is any hope of closing the gender wage gap, women must fundamentally
change the way they
plan their
financial futures.
For baby boomers and Generation X, who tend to be more nervous in fluctuating markets due to their closeness to retirement, it might be a good time to review your
financial plan and make
changes if necessary.
As the needs of employees
change, employers are beginning to offer non-traditional benefits such as
financial planning, online education and career development.
Such risks, uncertainties and other factors include, without limitation: (1) the effect of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any
changes therein, including
financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels of end market demand in construction and in both the commercial and defense segments of the aerospace industry, levels of air travel,
financial condition of commercial airlines, the impact of weather conditions and natural disasters and the
financial condition of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among other things integration of acquired businesses into United Technologies» existing businesses and realization of synergies and opportunities for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the level of other investing activities and uses of cash, including in connection with the proposed acquisition of Rockwell; (7) delays and disruption in delivery of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits of organizational
changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and industries; (12) the outcome of legal proceedings, investigations and other contingencies; (13) pension
plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of
changes in political conditions in the U.S. and other countries in which United Technologies and Rockwell Collins operate, including the effect of
changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect of
changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective
financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.
If you have someone who can't keep a dollar in their pocket, what are the chances that any
financial plan will work unless they
change their behavior?»
«We came together to
change financial planning in America.»
Among the factors that could cause actual results to differ materially are the following: (1) worldwide economic, political, and capital markets conditions and other factors beyond the Company's control, including natural and other disasters or climate
change affecting the operations of the Company or its customers and suppliers; (2) the Company's credit ratings and its cost of capital; (3) competitive conditions and customer preferences; (4) foreign currency exchange rates and fluctuations in those rates; (5) the timing and market acceptance of new product offerings; (6) the availability and cost of purchased components, compounds, raw materials and energy (including oil and natural gas and their derivatives) due to shortages, increased demand or supply interruptions (including those caused by natural and other disasters and other events); (7) the impact of acquisitions, strategic alliances, divestitures, and other unusual events resulting from portfolio management actions and other evolving business strategies, and possible organizational restructuring; (8) generating fewer productivity improvements than estimated; (9) unanticipated problems or delays with the phased implementation of a global enterprise resource
planning (ERP) system, or security breaches and other disruptions to the Company's information technology infrastructure; (10)
financial market risks that may affect the Company's funding obligations under defined benefit pension and postretirement
plans; and (11) legal proceedings, including significant developments that could occur in the legal and regulatory proceedings described in the Company's Annual Report on Form 10 - K for the year ended Dec. 31, 2017, and any subsequent quarterly reports on Form 10 - Q (the «Reports»).
Regularly update estate
planning documents and beneficiaries as your
financial and personal situation
changes.
Once you've put such a
plan in place, ideally by the time you're in your forties, «the
plan should be able to survive everything except major
changes in your life, such as the death of a close family member or failure of part of your business,» says Dick Cummins, director of personal
financial services in Coopers & Lybrand's New York City office.
Given all the
changes, the new tax law exacerbates the need for you to do your
financial planning now rather than later.
I define
financial planning as continually preparing how to use limited resources to fund ever -
changing goals in the face of unrelenting uncertainty.
Federal and provincial finance ministers considered the Report in their triennial review of CPP finances in May, 2009, endorsed its main conclusion regarding the satisfactory state of the
Plan's finances, and announced some changes to the plan that will likely have minor financial implications, but are not insignific
Plan's finances, and announced some
changes to the
plan that will likely have minor financial implications, but are not insignific
plan that will likely have minor
financial implications, but are not insignificant.
You need a
plan to get yourself out of debt and
change your
financial habits.
While some businesses come with significant issues needing resolution —
financial distress, a complex corporate carve out, a transition from family ownership, or a need to make costs competitive through deep operational
change — others are simply seeking a capital partner committed to growth with the deep operational and strategic experience to partner with management to execute a business
plan and attain sustainable value.
Business Creation, and
changing jobs so fast, the way we
change lanes effects how we
financial plan.
Financial plans should be open - ended because there will always be corrective actions, updates,
changes in strategy, or difficult decisions that have to be made.
Other specific duties and responsibilities of the HR and Compensation Committee include reviewing senior management selection and overseeing succession
planning, including reviewing the leadership development process; reviewing and approving objectives relevant to executive officer compensation, evaluating performance and determining the compensation of executive officers in accordance with those objectives; approving severance arrangements and other applicable agreements for executive officers; overseeing HP's equity and incentive compensation
plans; overseeing non-equity based benefit
plans and approving any
changes to such
plans involving a material
financial commitment by HP;
Forward - looking statements may include, among others, statements concerning our projected adjusted income (loss) from operations outlook for 2018, on both a consolidated and segment basis; projected total revenue growth and global medical customer growth, each over year end 2017; projected growth beyond 2018; projected medical care and operating expense ratios and medical cost trends; our projected consolidated adjusted tax rate; future
financial or operating performance, including our ability to deliver personalized and innovative solutions for our customers and clients; future growth, business strategy, strategic or operational initiatives; economic, regulatory or competitive environments, particularly with respect to the pace and extent of
change in these areas; financing or capital deployment
plans and amounts available for future deployment; our prospects for growth in the coming years; the proposed merger (the «Merger») with Express Scripts Holding Company («Express Scripts») and other statements regarding Cigna's future beliefs, expectations,
plans, intentions,
financial condition or performance.
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.
«This year's Advanced PFP Conference will cover the impact that
changes to tax law are having on retirement
planning, investment decisions, insurance / risk management solutions and estate
plans,» said Andrea Millar, CPA / PFS, AICPA director of personal
financial planning.
Remember that signing up for a repayment
plan such as IBR does not mean you have to stick with it forever; you can always reevaluate in a few years if your
financial situation
changes.
Because of a recent
change in the Free Application for Federal Student Aid (FAFSA), grandparents can soon use their tax - efficient 529
plans to help pay college costs earlier without impacting students» chances for federal
financial aid.»
Borrowers who have private student loans do not have the option to
change their selected repayment
plan after the loans have been dispersed, while federal student loan borrowers may request a
change to their repayment program should their
financial circumstances or needs
change over time.
I have 2 questions: 1) How does the recent announcement of
plans to open up the Chinese
financial economy to foreign firms
change the equation of «control» by the Chinese government 2) How do you envision the scenario where we reach maximum debt capacity and a transition into a low growth scenario?
Learn how to interact with Fidelity's
Planning & Guidance Center to create or revise your
financial plan and make the most informed
changes to your investing strategy.
The DOL fiduciary rule has provided an impetus for
change in much of the
financial planning world — and the variable annuity marketplace is one area that may be evolving in such a way that the new fee - based products may actually add value for clients who are interested in variable products.
AARP: Retirement
Planning CFA Institute: Retirement Security Choose to Save: Ballpark E$ timate ® Edelman
Financial Services LLC: Retirement & Estate
Planning Financial Mentor ®: Retirement Calculators How to Save Money for Retirement (retirement savings guide) IRS: Adding Automatic Enrollment to Section 401 (k)
Plans — Sample Amendments IRS:
Changes in Your Life May Affect Retirement
Planning IRS: Help with Choosing a Retirement
Plan NEFE
Financial Workshop Kits Retirement Series Preparing for Retirement from DOL Save it Like You Mean It: The (Non-Scary) Guide to Retirement
Planning Saving Matters from DOL U.S. Department of Labor: Taking the Mystery Out of Retirement
Planning WISER: What Women Need to Know About Retirement
The policy affects trillions of dollars held in Individual Retirement Accounts and 401 (k)
plans, and is likely to spur massive
changes in how brokers and
financial advisers interact with clients.
Demographic and economic
changes, along with the low interest rates that followed the
financial crisis, have upended the calculations that many Canadians made in
planning for retirement.
These risks and uncertainties include food safety and food - borne illness concerns; litigation; unfavorable publicity; federal, state and local regulation of our business including health care reform, labor and insurance costs; technology failures; failure to execute a business continuity
plan following a disaster; health concerns including virus outbreaks; the intensely competitive nature of the restaurant industry; factors impacting our ability to drive sales growth; the impact of indebtedness we incurred in the RARE acquisition; our
plans to expand our newer brands like Bahama Breeze and Seasons 52; our ability to successfully integrate Eddie V's restaurant operations; a lack of suitable new restaurant locations; higher - than - anticipated costs to open, close or remodel restaurants; increased advertising and marketing costs; a failure to develop and recruit effective leaders; the price and availability of key food products and utilities; shortages or interruptions in the delivery of food and other products; volatility in the market value of derivatives; general macroeconomic factors, including unemployment and interest rates; disruptions in the
financial markets; risk of doing business with franchisees and vendors in foreign markets; failure to protect our service marks or other intellectual property; a possible impairment in the carrying value of our goodwill or other intangible assets; a failure of our internal controls over
financial reporting or
changes in accounting standards; and other factors and uncertainties discussed from time to time in reports filed by Darden with the Securities and Exchange Commission.
Now, even a sophisticated investor does not know whether their
financial planning professional is an advisor or a broker, and they won't know until the regulation is
changed,» she said.
The listing on the NYSE didn't
change the
financial plans of Spotify's shareholders.
And because
plan rules allow business owners and employees to adjust their contributions levels each year, they allow all parties to adjust to
changing financial circumstances and still save for retirement.
If you have federal student loans, you can
change plans to suit your
financial circumstances by contacting your lender.
Changing family needs impact not only day - to - day money matters but also
plans for how to protect loved ones»
financial futures.
Of course it is just a
plan how I can get there and it may
change through the years But with this
plan I will never loose the focus to reach that point and according to that
plan I can reach
financial freedom in the year 2028.
Do investors in the current
financial market have the same reverence for the market mountain and a solid game
plan for decision making when
financial market weather conditions
change?
At a time when the political and
financial elite gathered at Davos frets about the failures of capitalism and the need for its reform, Professors Yvan Allaire and Mihaela Firsirotu, in a new book titled «A Capitalism of Owners ``, propose an action
plan to
change fundamentally the way capitalism has come to work.
The signs of capital concentration tell us we need to start thinking about how we will execute a
plan for the ultimate descent at perhaps a very crowded Hillary Step juncture somewhere in the future when shorter term weather conditions on the
financial market mountain
change.
Her expertise is in strategic
financial planning, decision support, operations management and
change management.