Sentences with phrase «financial planning assumption»
A traditional financial planning assumption is that retirees need less income than people in their working years, and to some extent this is true.
https://www.getrichslowly.org/ Not exact matches
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.
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.
A solid plan needs a complete financial model and clear assumptions: how much money is needed, where investments will be made and where the money will get you.
Using your key assumptions, business model and execution plan, develop a financial plan for the business which includes:
This news release contains forward - looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 and Canadian securities laws, including statements regarding: BlackBerry's expectations regarding new product initiatives and timing, including the BlackBerry 10 platform; BlackBerry's plans and expectations regarding new service offerings, and assumptions regarding its service revenue model; BlackBerry's plans, strategies and objectives, and the anticipated opportunities and challenges in fiscal 2014; anticipated demand for, and BlackBerry's plans and expectations relating to, programs to drive sell - through of the company's BlackBerry 10 smartphones; BlackBerry's expectations regarding financial results for the second quarter of fiscal 2014; BlackBerry's expectations with respect to the sufficiency of its financial resources; BlackBerry's ongoing efforts to streamline its operations and its expectations relating to the benefits of its Cost Optimization and Resource Efficiency («CORE») program and similar strategies; BlackBerry's plans and expectations regarding marketing and promotional programs; and BlackBerry's estimates of purchase obligations and other contractual commitments.
This news release contains forward - looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 and Canadian securities laws, including statements regarding: BlackBerry's expectations regarding new product initiatives and timing, including the BlackBerry 10 platform; BlackBerry's plans and expectations regarding new service offerings, and assumptions regarding its service revenue model; BlackBerry's plans, strategies and objectives, and the anticipated opportunities and challenges in fiscal 2014; anticipated demand for, and BlackBerry's plans and expectations relating to, programs to drive sell - through of the Company's BlackBerry 7 and 10 smartphones and BlackBerry PlayBook tablets; BlackBerry's expectations regarding financial results for the second quarter of fiscal 2014; BlackBerry's expectations with respect to the sufficiency of its financial resources; BlackBerry's ongoing efforts to streamline its operations and its expectations relating to the benefits of its Cost Optimization and Resource Efficiency («CORE») program and similar strategies; BlackBerry's plans and expectations regarding marketing and promotional programs; and BlackBerry's estimates of purchase obligations and other contractual commitments.
Financial projections (including error - checking, evaluation of key assumptions and reconciliation to stated growth plan)
The multi-year tables in New York State's just - released Enacted Budget Financial Plan for fiscal 2015 make continued use of Governor Andrew Cuomo's new fiscal conjuring device: a lump - sum, below - the - line reduction in future projected spending, based on the assumption that the governor will «propose, and negotiate with the Legislature to enact budgets that hold State Operating Funds spending growth to 2 percent.»
For a second consecutive year, Cuomo also is relying on his 2 percent growth assumption — as expressed in the magic footnote at the bottom of the financial plan — to obscure the existence of future budget gaps.
The new report analyzes the Administration's revenue and spending assumptions for FY 2016 - 2020 and identifies risks and offsets to the financial plan.
Despite the widely held belief that pensions entice teachers to stay on the job, we find that states base the financial health of their plans on the opposite assumption.
A close look at the financial assumptions that undergird their plans shows that the states themselves don't believe these incentives are effective at retaining teachers; in fact, they count on high rates of teacher turnover in order to balance the books.
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.
But in a new article for Education Next, Chad Aldeman and Kelly Robson of Bellwether Education Partners find that despite the widely held belief that pensions entice teachers to stay on the job, states base the financial health of their pension plans on the opposite assumption: they rely on high rates of teacher turnover in order to balance the books.
Because these withdrawal assumptions are tied to large financial decisions, pension plans conduct regular «experience studies» to check their assumptions and compare their expectations with actual teacher turnover rates.
Those pension plan assumptions are the basis for consequential financial decisions about how much the state or city needs to save today in order to pay benefits in the future.
Every pension plan publishes these assumptions in their financial reports, and they conduct regular «experience studies» to see if their assumptions are correct or if they need adjustments.
I'll be assuming a 60/40 equity / bond split with a return of 5.3 % after an MER of 0.25 %, and general inflation of 2 %, which is based off the Financial Planning Standards Council (FPSC) return assumptions.
But asset allocators need to be more humble in their assumptions for financial planning and not assume that they can earn more than 2 % over the 10 - year Treasury, or over expected growth in nominal GDP.
One of the toughest decisions in a financial plan is the assumption of returns for the equity part of the portfolio.
All financial plans are based on assumptions, many of which will turn out to be inaccurate, so they need to be adjusted from time to time.
Did the financial plan contain other key assumptions which proved overly optimistic?
A recent article from the Journal of Financial Planning, entitled «Post-Modern Portfolio Theory,» argues that: «If we periodically scrap our entire world view and play the skeptic, challenging even our most basic assumptions, the result will be progress.»
That's why most financial plans are made with the assumption that boomers will live till 90.
ETF Capital cautions that its calculations relied on certain assumptions on market returns, tax rates and what you do with the surplus money, and that relying on extra work at this age is NOT a substitute for a good financial plan.
It makes quite a few assumptions, and doesn't include nearly as much detail as you would find in professional financial planning software.
In July 2015, the Board of Trustees named William Mea as Interim President, and approved President Mea's new near - term budget plans that are focused on achieving financial stability based on prudent financial and operational assumptions.
In December, the board began a rigorous review of the assumptions underlying the financial plan that had been adopted by the board in April 2013, and studied in depth the specific recommendations of the Working Group.
The plans hinged, the report said, on the success of four key assumptions about the financial markets and the school's ability to cut costs.
Wealthfront's financial advisory and planning services, provided to investors who become clients pursuant to a written agreement, are designed to aid our clients in preparing for their financial futures and allow them to personalize their assumptions for their portfolios.
Policy illustrations or ledger statements are typically presented to potential purchasers to describe the financial aspects of the policy being considered under various assumptions regarding credited interest rates, dividend payments, and premium payment plans.