This section provides
financial planning information and resources to help you determine what role bonds can play at each stage of your life.
As I searched the web, university libraries, and on - line scholarly paper repositories, I was impressed by how much very useful personal
financial planning information was scattered around the academic world.
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.
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 ye
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 yea
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 yea
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 yea
Plan (daily and yearly operational processes for success); Management Team (identify key company personnel); and
Financial Plans (revenue projections for three to five ye
Plans (revenue projections for three to five years).
Sometimes potential strategic partners may also be potential competitors, so you may want to present your
plan in stages, saving sensitive
information such as
financials and marketing strategies for later in the process when trust has been established.
The first
financial projection within the business
plan must be formed utilizing the
information drawn from defining the market, positioning the product, pricing, distribution, and strategies for sales.
Like the income and cash - flow statements, the balance sheet uses
information from all of the
financial models developed in earlier sections of the business
plan; however, unlike the previous statements, the balance sheet is generated solely on an annual basis for the business
plan and is, more or less, a summary of all the preceding
financial information broken down into three areas:
According to the U.S. Small Business Administration, the main parts of a business
plan include the executive summary, a company description (what makes the company unique), a market analysis (the competition and target demographics), the company's structure, a description of the service or product line, the marketing and sales strategy,
financial projections — plus any additional useful
information.
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»).
Likewise, a
plan to support a bank loan should contain
financial history and owners»
financial information.
· Brevity and clarity: The form can be answered in less than an hour, without any high - priced assistance from a company's lawyer or accountant — and without disclosing confidential
information on topics such as succession
plans, customer history, and
financial stability.
Management believes non-GAAP
information is useful for investors, when considered in conjunction with Gilead's GAAP
financial information, because management uses such
information internally for its operating, budgeting and
financial planning purposes.
The
financial section of the business
plan should provide a franchisee with
information about the investment necessary to be successful, as well as the expected return on that investment.
FORWARD - LOOKING STATEMENTS; ADDITIONAL
INFORMATION Certain statements in this document, including statements relating to the proposed combination of SolarCity Corporation («SolarCity») and Tesla Motors, Inc. («Tesla») and the combined company's future
financial condition, performance and operating results, strategy and
plans are «forward - looking statements» within the meaning of the Private Securities Litigation Reform Act of 1995.
As a condition of relief during the Transition Period,
Financial Institutions were required to provide a disclosure with a written statement of fiduciary status and certain other
information to all retirement investors (in ERISA
plans, IRAs, and non-ERISA
plans) prior to or at the same time as the execution of recommended transactions (the «Transition Disclosure»).
In the second step of the
financial plan, the client provides the CFP ® Professional with all their
financial information.
Life
planning is about organizing, storing and sharing important personal and
financial information.
Dolan Co., which owns The Daily Record,
plans to file for bankruptcy - law protection next week, the Minneapolis - based company announced Thursday.Dolan, a professional services and business
information firm, showed signs of mounting
financial distress in...
South Korean
financial authorities have been developing a
plan that would allow ICOs to be held in the country, according to The Korea Times, which attributes the
information to anonymous sources.
Our HCM Division assisted our Compensation Committee in the Committee's review of compensation
plans at other
financial services firms by providing the Committee with
information relating to compensation
plan design and compensation levels for named executive officers and other senior employees at these firms.
The Chinese Government has announced a development
plan to reform the country's
financial sector by vastly improving the
information technology infrastructure for the Chinese
financial services industry.
Remember, tax rules are complex, and you should get more details or talk to a
financial planning or tax professional for more
information.
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.
The Committee shall, promptly after the date on which the necessary
financial, individual, or other
information for a particular Performance Period becomes available, and in any event prior to the payment of any Incentive
Plan Award intended to qualify for the Section 162 (m) Exemption to a Covered Employee, determine and certify the degree to which each of the Performance Goals has been attained.
Cousins found that Sulyma had actual knowledge of the facts underlying his substantive claims because the
financial disclosures provided
information about
plan asset allocation and an overview of the logic behind investment strategy.
Financial planning professionals will hear the latest
information at multiple update sessions that will address how the tax overhaul impacts individuals, families, real estate, business owners and their closely held entities, estate
plans and more.
For more
information on any of the Section 529 college savings
plans we distribute («529
Plan (s)»), contact your registered representative (financial advisor) or download a disclosure document, which contains important information about the plan's investment options, sales charges, expenses and ri
Plan (s)»), contact your registered representative (
financial advisor) or download a disclosure document, which contains important
information about the
plan's investment options, sales charges, expenses and ri
plan's investment options, sales charges, expenses and risks.
As an overlay on Collaborative PBM Cloud ™, AdvanceESM ™ (Enterprise Service Manager) extracts and consolidates
information across all departments of the PBM, providing
plan sponsors with a 360 ° view enhancing critical health /
financial decision - making resulting in best outcomes.
At the same time, the SEC
plan would require companies using crowdfunding to release
financial statements and other
information that could prove costly.
In particular, the
information provided in this press release may contain certain forward - looking statements with respect to the
financial condition, results of operations and business of Centene and certain
plans and objectives of Centene with respect thereto, including but not limited to the expected benefits of the acquisition of Health Net, Inc. («Health Net Acquisition»), New York State Catholic Health
Plan, Inc., d / b / a Fidelis Care New York («Fidelis Care»)(«Proposed Fidelis Acquisition») or MHM Services, Inc. (the «Proposed MHM Acquisition»).
Other resources include additional
information and suggestions on how to pay for college and worksheets that can help students budget money and
plan for their
financial goals.
To obtain a disclosure document, which contains this and other
information, talk to your
financial advisor or call Franklin Templeton Distributors, Inc., the manager and underwriter for a 529
plan at (866) 362-1597 or visit franklintempleton.com.
Hopefully now, however, you can take this
information and
plan your next year's business and
financial strategy accordingly.
The purpose of this site is limited to the dissemination of
information and is not intended to be a solicitation or offer to sell investment advisory or
financial planning services in states where Wealth Logic, LLC is not currently authorized to do so.
Additionally, if you interact with Fidelity directly as an individual investor (including joint account holders) or if Fidelity provides services to your employer or
plan sponsor, we may exchange certain
information about you with Fidelity
financial services affiliates, such as our brokerage and insurance companies, for their use in marketing products and services as allowed by law.
Robert Veres, editor of the Inside
Information financial -
planning newsletter, recently asked his subscribers to estimate long - term future stock returns after inflation, expenses and taxes, what I call a «net - net - net» return.
Appropriations prepared on an accrual basis would provide Parliament with
information for control and approval of spending that is the same as the overall government
financial plan and summary
financial statements» [4].
Safeguarding your
financial and personal
information from identity thieves isn't impossible; it just takes some
planning.
Understand your immediate
financial needs when dealing with an illness in the family, read tips on how to create a
financial plan and
information that can help you find the right
financial advisor
To obtain the Investor Handbook, which contains this and other
information, talk to your
financial advisor or call Franklin Templeton Distributors, Inc., the manager and underwriter for the 529
plan at (800) DIAL BEN / (800) 342-5236 or visit franklintempleton.com.
Generally, you'll need to have
financial records for yourself or your business, a business
plan and your personal
information.
To obtain a disclosure document, which contains this and other
information, talk to your
financial advisor or call Franklin Templeton Distributors, Inc., the manager and underwriter for a 529
plan at (800) DIAL BEN ® / (800) 342-5236 or visit franklintempleton.com.
We shared Taylor's
information with two
financial experts, Kathleen Hastings, a
financial adviser at FBB Capital Partners, and Jeanne Thompson, a vice president at Fidelity Investments, and asked them to offer thoughts on his
plan.
After saying in a speech at the University of Delaware on October 30 that the independent directors of corporate boards should create «shareholder relations committees» to exchange
information with Vanguard, he told the
Financial Times in early December that he will propose his
plan in letters to those corporations.
Whether you
plan to apply on your own or you have a cosigner, you will need to gather some essential
financial information.
This
information includes general
information about the company, its officers and directors, a description of the business, the
planned use for the money raised from the offering, often called the use of proceeds, the target offering amount, the deadline for the offering, related - party transactions, risks specific to the company or its business, and
financial information about the company.
Written by a renowned team of wealth managers,
financial planners and insurance experts, this indispensable reference integrates case studies, 10,000 pages of current and easily accessible content with news, client illustrations,
information,
financial planning tips and techniques.
Contact a
financial advisor for more
information about incorporating tax
planning into your charitable giving.
CEO Justin Rolls, 33, would not provide detailed
financial information but says the company is making it work through economical cooking from scratch, buying high - quality items in bulk, boosting sales through tastier food and factoring in slimmer profits as part of the business
plan.
This portal serves as a centralized source for quick access to
financial information and budgets, public meetings and agendas, tax
information, strategic
plans, staff contact
information and more.