Sentences with phrase «financial planning does»

However, the need for financial planning doesn't escape us.

Perfect financial planning doesn't happen when we want it to, and we wake up one morning in a panic.

The markets can be unpredictable; your financial planning doesn't have to be.

«However, the Enacted Budget Financial Plan does not identify specific steps to achieve such spending limitations after SFY 2014 - 15,» the report found.

Financial managers must understand that just because a project has a «training line» in the financial plan it doesn't mean that people will be well prepared to adopt / deploy / use whatever the project is delivering if training alone is undertaken.

Because you are on a financial plan doesn't mean you can't get great quality service for inferior.

More often than not, distributors or brokers who assist investors in their financial planning do not promote direct plans as they thrive on the commissions they receive from the investors» money.

Part of a financial advisor's job is to teach you how to drive defensively so that your financial plan doesn't end up in a ditch.

Getting a good financial plan done can be worth the money.

Ideally you would do both, but sometimes our financial plans do not include buying a home.

Therefore, it is important for breadwinners to ensure that their financial plans do not run into rough weathers, even when they are not around.

People who are able to devise a foolproof financial plan do two things very well.

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.

Financial data is always at the back of the business plan, but that doesn't mean it's any less important than up - front material such as the business concept and the management team.

After realizing a successful exit selling Destia Communications, Levy took a few years off to get reacquainted with his family and get his financial plan together, and gradually began about what he wanted to do next.

«Attaining millionaire status doesn't mean much anymore,» says financial planner Vid Ponnapalli, founder of financial planning firm Unique Financial Advisors in Holmdel, Nefinancial planner Vid Ponnapalli, founder of financial planning firm Unique Financial Advisors in Holmdel, Nefinancial planning firm Unique Financial Advisors in Holmdel, NeFinancial Advisors in Holmdel, New Jersey.

Whatever a company decides to do, Tannenbaum says it's important to be prepared with strong, supportable financial projections — and plan well in advance.

And when do you plan to start challenging conventional wisdom with it, paving the way to financial success and perhaps even revolutionary change?

Much has been made of the service's plan to raise rates, but a look at its financial status shows that it really doesn't have a choice.

EBRI also found that 1 in 3 retirees moved money out of their retirement plan because a financial professional told them to do so.

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.

Investors and employees who previously worried about how to realize their gains from selling equity can now do so with innovative financial restructuring if the company plans to stay private.

In a report released last month, GAO concluded that the offers it received «did not compare favorably with other financial products or offerings, such as loans and lump - sum options through pension plans.»

When consumers and the financial industry do come on board, the Committee advises regulating it much like other financial services products, like supervising bitcoin exchanges with «requirements for business continuity planning,» and «a forum for fraud prevention and disclosure of bitcoin's risks and costs.»

What to include: Business plans vary in length — anywhere from 20 to 50 pages — but typically cover the same topics, such as: Cover Page (essential contact information); Executive Summary (what your business does and what market need it solves); Company Overview (profile of company and successes); Industry Analysis (details about the market); Customer Analysis (who are the customers); Competitive Analysis (identify key competitors); Marketing Plan (your brand and how do you plan on getting it in front of customers); Operations Plan (daily and yearly operational processes for success); Management Team (identify key company personnel); and Financial Plans (revenue projections for three to five yeplans vary in length — anywhere from 20 to 50 pages — but typically cover the same topics, such as: Cover Page (essential contact information); Executive Summary (what your business does and what market need it solves); Company Overview (profile of company and successes); Industry Analysis (details about the market); Customer Analysis (who are the customers); Competitive Analysis (identify key competitors); Marketing Plan (your brand and how do you plan on getting it in front of customers); Operations Plan (daily and yearly operational processes for success); Management Team (identify key company personnel); and Financial Plans (revenue projections for three to five yeaPlan (your brand and how do you plan on getting it in front of customers); Operations Plan (daily and yearly operational processes for success); Management Team (identify key company personnel); and Financial Plans (revenue projections for three to five yeaplan on getting it in front of customers); Operations Plan (daily and yearly operational processes for success); Management Team (identify key company personnel); and Financial Plans (revenue projections for three to five yeaPlan (daily and yearly operational processes for success); Management Team (identify key company personnel); and Financial Plans (revenue projections for three to five yePlans (revenue projections for three to five years).

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.

Paying off your mortgage may feel good, but that doesn't mean it's right for your financial plan.

Despite the safety net of health insurance, many consumers don't have a financial cushion to protect against health emergencies, Brookings says, amid a complicated cocktail of insurance plans and doctor recommendations that can be hard to parse.

But there isn't much an investor can do beyond adjusting and rebalancing holdings, and setting an investment plan based on their financial situation.

If you do intend to work past retirement age, there are specific financial planning considerations to keep in mind.

Financial advisor Carolyn McClanahan, director of financial planning at Life Planning Partners in Jacksonville, Florida, said the clients who say they don't want to retire often don't want to rein in their Financial advisor Carolyn McClanahan, director of financial planning at Life Planning Partners in Jacksonville, Florida, said the clients who say they don't want to retire often don't want to rein in their financial planning at Life Planning Partners in Jacksonville, Florida, said the clients who say they don't want to retire often don't want to rein in their splanning at Life Planning Partners in Jacksonville, Florida, said the clients who say they don't want to retire often don't want to rein in their sPlanning Partners in Jacksonville, Florida, said the clients who say they don't want to retire often don't want to rein in their spending.

Commonwealth Bank of Australia has agreed to pay $ 3 million after the corporate watchdog found two of the lender's financial planning arms charged customers millions of dollars for advice they did not receive.

«They believe in creating a comprehensive plan — and following that plan,» says Anne - Marie Laboe, executive vice president at Bernard R. Wolfe & Associates, Inc., a financial planning firm in Chevy Chase, Md. «They don't invest in the latest fad or «hot tip».»

Beyond those basics, you'll get approved more readily and with better terms if you give the banks precisely what they need to make a decision: tax returns and audited (if possible) financial statements (P&L, balance sheets and cash flow) for the year to date and the previous three years; monthly statements for the previous 12 months; a business plan explaining what you do, how you do it and why your company would be a good risk; a detailed projection showing how you will generate the funds to pay down the line; and a backup plan (collateral) to repay the bank if the projections don't pan out.

Does your company have the adequate resources to handle tax planning, capital raising, cash management and all the other financial functions of a company?

«The Marines Corps allowed us to make sure we could understand the worst - and best - case scenarios, take care of everyone else first, and accomplish the mission with minimum casualties,» says James Warren, founder of the Warren Financial Group, an investment - advisory firm in Kansas City, Mo. «Those are the same principles we consider when doing investment planning: How can we accomplish what we want to do with minimum risk in relationship to the return?»

«We focus so much on the financial aspects of planning for retirement, but we do relatively little to prepare ourselves from a health perspective,» said Catherine Collinson, executive director of the Aegon Center for Longevity and Retirement.

Plan ahead of aging - related conditions... Don't procrastinate on putting key financial documents and policies in place.

While resources and financial assistance have been procured from numerous countries, including the United States and President Obama's Emergency Plan for AIDS Relief (PEPFAR), there is significantly more that needs to be done to make treatment equally accessible to those in need.

While Torstar has no bank debt, it does have a major financial obligation to its defined benefit pension plan, which is in a solvency deficit position.

Fredrick Petrie, author of «The End of Work: Financial Planning for People With Better Things To Do,» recommends «taxing» yourself in order to get more money out of your wallet and into the bank — this way you'll make savings a priority from the get - go, rather than budgeting everything else first and then seeing what is left over for savings.

«There are people who can't do anything else, whose savings haven't been such that they can wait,» said certified financial planner David Mendels, director of planning at Creative Financial financial planner David Mendels, director of planning at Creative Financial Financial Concepts.

The deal, which does not include Embraco's Italy facility that the company plans to close, is not expected to have a material impact on Whirlpool's 2018 financial results, Whirlpool said.

The statement did not include financials or plans for the Waymo suit.

Most entrepreneurs don't have the time to work on personal financial planning and don't like to give up control.

And while Mr. Hackett has vowed to cut engineering costs and improve Ford's «fitness,» he has yet to specify how he'll do that, what his overall turnaround plan entails, and what financial targets Ford hopes to hit.

Given all the changes, the new tax law exacerbates the need for you to do your financial planning now rather than later.

«When you do a brain dump, you get a clearer picture of what will hurt your well - being» if you fail to act, added Bradley, a CFP and founder of the Sudden Money Institute, which trains advisors in financial transitions planning.

Tax deductions and investment returns may take center stage, but don't forget to include insurance coverage on your financial planning checklist.