Sentences with phrase «for planned expenses»

With the evolution of the financial services category, the insurance plans also serve an important objective of creating a corpus for planned expenses like retirement, prepayment of loans or child's education or marriage.

Most homeowners don't save enough for planned expenses and are underprepared for unplanned expenses.

Most personal loans have lower interest rates than credit cards, making them a more appealing option for planned expenses.

You can use your loan to pay for planned expenses, medical bills, auto repairs, home improvements and much more.

Not exact matches

Study the target market ahead of time and plan for higher expenses and a long setup period.

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.

Plus, you need to plan for long - term care expenses, as well as health care costs, both of which Ponnapalli says are big expenses that are often «not given as much importance as they deserve.»

Alternatively, if your child needs to pay taxes, they can save all or part of their income to help pay for college expenses in a Roth IRA or Section 529 college savings plan.

A cash reserve can cover costs in the interim, while you're waiting for profits, and also help in planning for taxes that may catch you off guard and take a chunk out of the money you were planning to use on other expenses.

For the employees, we have a financial advisor come in and break out one - on - one session, and they go over our employees» income, expenses, aligning their financial goals and breaking down the plan in a practical, easy - to - follow format.

A quarter of small businesses, meanwhile, found it harder to plan for unforeseen expenses.

A nationwide data plan for all the devices would run $ 250 per month — a small fraction of the company's current emergency - travel expenses.

(The ACA has been in effect for larger employers — those with 100 or more employees — since the beginning of 2015) This is called the employer mandate, and generally speaking, such business owners must offer plans that cover a minimum of 60 percent of plan expenses, and must cost no more than 9.5 percent of an employee's annual household income.

Unlike workplace flexible - spending accounts, HSAs don't have a «use - it - or - lose - it» rule and are «portable,» meaning workers who are no longer covered by HSA - eligible health plans because of job changes can continue to tap existing HSAs to pay for qualified medical expenses.

To live by the 50/30/20 plan, a person would need to earn twice as much as their fixed expenses, so GOBankingRates doubled the total cost of necessities to arrive at the total recommended take - home pay for each city.

Factors which could cause actual results to differ materially from these forward - looking statements include such factors as the Company's ability to accomplish its business initiatives, obtain regulatory approval and protect its intellectual property; significant fluctuations in marketing expenses and ability to achieve or grow revenue, or recognize net income, from the sale of its products and services, as well as the introduction of competing products, or management's ability to attract and maintain qualified personnel necessary for the development and commercialization of its planned products, and other information that may be detailed from time to time in the Company's filings with the United States Securities and Exchange Commission.

To find out where you could live by the 50/30/20 plan on $ 50,000 or less a year — that's take - home pay, not pre-tax income — GOBankingRates examined the following monthly expenses for a single person in 270 cities:

Planning for retirement should include a hard look at health - care expenses and coverage, says one advisor.

Taking a few hours every weekend to grocery shop and meal plan for the week will definitely save you money, as dining out is the No. 1 expense for most households.

Gain related to interest rate swaps The company recognized a pre-tax gain of $ 14 million in the three months ended March 31, 2018, within interest and other expense, net related to certain forward - starting interest rate swaps for which the planned timing of the related forecasted debt was changed.

The rule changes regarding deductible expenses, exemptions, credits and the tax brackets pose new income - tax planning challenges for all Americans.

529 college savings plans are popular, but myths about these useful vehicles for higher - education expenses abound.

There are many wireless customers out there who would very much like to simply buy a data plan for their smartphone, without having the extra expense of an unwanted voice plan.

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.

In order to develop the overhead expenses for the expense table used in this portion of the business plan, you need to multiply the number of employees by the expenses associated with each employee.

While entrepreneurs are known for putting their heart and soul into their company, they shouldn't do so at the expense of the retirement plan.

The plan, being floated by Ivanka Trump on Capitol Hill in recent weeks, would make child care expenses tax - deductible for individuals earning up to $ 250,000 and for couples earning up to $ 500,000.

But before you double down your spending, make sure you have a plan for how much you are going to spend and on what, says Bellevue, Wash. - based business - expense management company Concur.

Learn about the costs of COBRA or state health care plans early, so that you can budget for these expenses.

Other measures include: • remove rule limiting Child Tax Credit (CTC) to one claimant per household (to allow two or more families sharing a house to claim the CTC); • repeal $ 10,000 cap on medical expense tax credit claims made on medical costs incurred for an eligible dependent; • easier access to funds in Registered Disability Savings Plans for beneficiaries with shortened life spans; • improved Employment Insurance benefits to parents of gravely ill, murdered, or missing children; and • enhanced ability to make transfers between individual RESPs, and better access to RESP funds for post-secondary students studying outside Canada.

The best perk of 529 plans is the ability to pay for a host of college - related expenses, including tuition, room and board, books, computer equipment, and even Internet access, all tax - free.

These unallocated costs consist primarily of manufacturing employees» stock - based compensation, expenses for profit sharing and quarterly or annual incentive plans, matching contributions under the Company's 401 (k) Plan, and acquisition related costs.

Instead of paying for specialty consultants or a show - planning software package, Hubbard and her marketing manager, Walter Graham, devised a do - it - yourself blueprint for trimming trade - show expenses.

Retirees must plan ahead to budget for likely health - care expenses in retirement.

The administration plans to provide tax relief for families with child care expenses, too, although the specifics have yet to be included.

In addition to the fixed cost of setting up a trust for the assets to be shared, companies must create a written plan and communicate it to employees, as well as develop a recordkeeping system that accounts for earnings, losses, expenses and distributions, according to the Department of Labor.

Calculate when you plan for your business to break even — and as unexpected expenses or opportunities for impulse spending come up, go back to your projections and calculate how those purchases will delay your break - even point.

For family policies, a qualified health plan must have a minimum deductible of $ 2,000, with a $ 10,000 cap on out - of - pocket expenses.

The projected premium increases expected to result from repeal would stem from having fewer young and healthy customers in Obamacare plans, which would have to raise prices to cover health expenses for older, sicker customers.

Watch out for other steep condo expenses, said Michele Clark, CFP and founder of Clark Hourly Financial Planning and Investment Management.

Keep in mind the curve balls your industry can throw at you and always have a plan for these new and unexpected expenses.

It's important to plan ahead and think through potential expenses, Clark said, such as real estate sales commissions, costs to prepare a home for sale, purchase of a home warranty, potential repairs resulting from a home inspection and moving expenses.

Happy New Year: You can now use your 529 plan for elementary and high school expenses.

Why you want one: The best perk of 529 plans is the ability to to pay for a host of college - related expenses, including tuition, room and board, books, computer equipment, and even Internet access, all tax - free (the plan student has to be enrolled in school to qualify for the computer and Internet perks, though).

The accounts, which are available to working people enrolled in high - deductible health insurance plans, can be used to sock away funds pre-tax and use them before or after retirement to pay for covered medical expenses.

Also unlike retirement plans, HSA funds avoid current taxes and can also be spent tax - free for eligible medical expenses.

Key goals right now should include putting enough aside in your employer - sponsored retirement plan to get any company match, and socking three to six months of living expenses in a savings account for emergencies.

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.

Two kids College Education all paid for through decades of 529 Plan Savings... Living expense avg ~ 5K / month.

All forms of compensation are covered, including salary, overtime pay, bonuses, stock options, profit sharing and bonus plans, life insurance, vacation and holiday pay, cleaning or gasoline allowances, hotel accommodations, reimbursement for travel expenses, and benefits.