Try and stick to a budget in college — it will go a long way toward helping you keep perspective on your expenses and
future debt obligations.
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.
These risks and uncertainties include competition and other economic conditions including fragmentation of the media landscape and competition from other media alternatives; changes in advertising demand, circulation levels and audience shares; the Company's ability to develop and grow its online businesses; the Company's reliance on revenue from printing and distributing third - party publications; changes in newsprint prices; macroeconomic trends and conditions; the Company's ability to adapt to technological changes; the Company's ability to realize benefits or synergies from acquisitions or divestitures or to operate its businesses effectively following acquisitions or divestitures; the Company's success in implementing expense mitigation efforts; the Company's reliance on third - party vendors for various services; adverse results from litigation, governmental investigations or tax - related proceedings or audits; the Company's ability to attract and retain employees; the Company's ability to satisfy pension and other postretirement employee benefit
obligations; changes in accounting standards; the effect of labor strikes, lockouts and labor negotiations; regulatory and judicial rulings; the Company's indebtedness and ability to comply with
debt covenants applicable to its
debt facilities; the Company's ability to satisfy
future capital and liquidity requirements; the Company's ability to access the credit and capital markets at the times and in the amounts needed and on acceptable terms; and other events beyond the Company's control that may result in unexpected adverse operating results.
In his 2012 fall report, the Auditor General raises the issue of «long - term fiscal sustainability» — the government's capacity to finance its activities and
debt obligations in the
future without imposing an unfair tax burden on
future generations.
Future obligations similar to
debt, like operating leases, have an implied interest included in their expense due to the extended time dimension of the
obligation.
«Underfunded» is a socially polite way to say «the pension fund has a big
debt obligation to
future beneficiaries.»
Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing
debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing
debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent
obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel;
future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments;
future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.
The amount of
debt this country is in as of this moment is nothing compared to the
future obligations of social welfare and health costs.
Not only can we simply not afford to continue the reckless spending that has ballooned our
debt to unsustainable levels, but we also have a moral
obligation to
future generations to get our fiscal house in order,» Donovan said.
In a letter sent to hedge fund and opportunistic fixed income managers, Trustees of the New York City Employees Retirement System (NYCERS) called on its hedge fund managers and opportunistic fixed income managers who invest in distressed
debt and might therefore, at present or in the
future, hold Puerto Rican municipal
obligations, to «negotiate in good faith to find a just and equitable solution to» repayment of the municipal
debt at the center of Puerto Rico's economic crisis.
«Last year's results provide the city greater ability to proactively address our
future budgetary and
debt obligations and reduce the impact on families and businesses in our community,» the Democratic mayor said.
This figure, based on a family's income, assets,
debts, and
future obligations, is an estimate of what a family can be expected to pay for college.
earning enough income to be free of
debt, meet your
obligations, and save for the
future you're looking forward to
The advantage is the debtor comes out without any
future obligation once the
debt is discharged.
Liabilities: It is an
obligation that a person has to pay in
future due to its past actions like borrowing money in terms of loans, bills, credit card
debts etc..
Having pledged that
future earning power, if, shortly after graduation and before having an opportunity to get assets to repay the
debt, they seek to discharge that
obligation, I say that is tantamount to fraud.
By adding together your current
debts, income replacement needs and
future financial
obligations, you have a figure that represents the maximum amount of life insurance you might need.
But being a part of this group doesn't make it any easier to determine what exactly you should do going forward in terms of paying off your
debt obligation or investing your money for the
future.
Debt obligations should not exceed half of annual salary in the
future.
Avoid sending the collection agency any money until you get a faxed or scanned letter saying they'll accept your payment and that the payoff will absolve you of any
future legal
obligation for that
debt.
A borrower who pays back
debt is making an investment that pays off in the
future, by reducing her
future interest
obligations.
A wide range of complex trading products are now available to consumers, including hybrid securities, contracts for difference (CFDs), foreign exchange (forex), collateralised
debt obligations (CDOs),
futures and options, and warrants.
They have substantial
debts and
future obligations.
«The amount of
debt a consumer carries tends to be highly predictive of
future credit performance because the amount a person owes has a direct impact on her or his ability to pay all their credit
obligations on time each month,» said Barry Paperno, a credit scoring expert who has worked for FICO and Experian.
Berkshire's guarantee of subsidiary
debt is an absolute, unconditional and irrevocable guarantee for the full and prompt payment when due of all present and
future payment
obligations.
People have
debt obligations and other considerations, but this is a simple version of
future asset value and the results of discipline.
Investments include various types of bonds and other securities, typically corporate bonds, notes, collateralized bond
obligations, collateralized
debt obligations, mortgage - related and asset - backed securities, bank loans, money - market securities, swaps,
futures, municipal securities, options, credit default swaps, private placements and restricted securities.
You hereby irrevocably and unconditionally RELEASE, WAIVE, AND FOREVER DISCHARGE AND COVENANT NOT TO SUE Ubisoft Entertainment S.A., and each of its past, present and
future divisions, parent companies, subsidiaries, affiliates, predecessors, successors and assigns, together with all of their respective past, present and
future employees, officers, shareholders, directors and agents, and those who give recommendations, directions, or instructions or engage in risk evaluation or loss control activities regarding the Campaign (all for the purposes herein referred to as «Released Parties») FROM ANY AND ALL LIABILITY TO YOU, your assigns, heirs, and next of kin FOR ANY AND ALL CLAIMS, DEMANDS, CHARGES, LAWSUITS,
DEBTS, DEFENSES, ACTIONS OR CAUSES OF ACTION,
OBLIGATIONS, DAMAGES, LOSS OF SERVICE, COMPENSATION, PAIN AND SUFFERING, ATTORNEYS» FEES, AND COST AND EXPENSES OF SUIT, KNOWN OR UNKNOWN, SUSPECTED OR UNSUSPECTED, ARISING OUT OF OR RELATED TO THE PURCHASE, ACQUISITION, RENTAL, POSSESSION AND / OR USAGE, AND / OR THE INTENT TO PURCHASE, ACQUIRE, RENT, POSSESS AND / OR USE, THE ASSASSIN»S CREED UNITY VIDEO GAME AND / OR THE ASSASSIN»S CREED UNITY SEASON PASS ON ANY AND ALL PLATFORMS, AND / OR RELATED TO THE CAMPAIGN, WHETHER CAUSED BY THE NEGLIGENCE OF THE RELEASED PARTIES OR OTHERWISE.
I find it hard to reconcile talking points of the current Republican leadership on the irresponsible burden placed on
future generations by the ballooning national
debt and deficit with derisive attacks on efforts to move past finite fossil fuels, to conserve fuel, to spur innovation and basic research and to treat the risks from accumulating greenhouse gases the same way the party treats the risk of fiscal breakdown from building financial
obligations.
«The court will retain jurisdiction to enforce payment of
debt obligations, in the event a party files bankruptcy, including, but not limited to, the ability to determine the
debt assigned is in the nature of Maintenance, necessity or support and is therefore non dischargeable in bankruptcy, and / or making a
future spousal support order, regardless of the spousal support order set forth below under FOURTH: SPOUSAL SUPPORT.»
In addition to considering how much your current income is, you should also look at your age, medical bills you may have, any
debts you have, if you may have any
future obligations, whether or not you are insuring anyone else, etc..
If your college student has no
debt, and no short - term
future obligations for the next 4 to 6 years, then they do not need college loan life insurance protection.
The best life insurance policy accounts for your income, assets, major
debts, and
future obligations, like the cost of college or your funeral expenses, at the time of underwriting.
A solid life insurance policy accounts for your income, assets, major
debts, and
future obligations (like sending your kid to college), among other things.
Not only for final expenses, outstanding
debts, and
future financial
obligations, but also if you're leaving your family assets they will need to pay the estate taxes on their inheritance.
How much life insurance you should carry depends on how much
debt you have, how much income you need to replace and the cost of any
future obligations you want to fund, such as a child's college tuition.
«It's important for both working and non-working spouses to have life insurance,» says Kristi Sullivan, CFP ®, Sullivan Financial Planning, LLC, Denver, Colo. «For the working spouse, you want to have enough insurance to cover large
debts (mortgage),
future obligations that can no longer be funded by the earnings of the deceased (college, retirement) and living expenses for the family.
When you add up all of your current
debts, your family's regular living expenses and
future financial
obligations such as college tuition, you might just find that you actually need that million dollar policy.
By adding together your current
debts, income replacement needs and
future financial
obligations, you have a figure that represents the maximum amount of life insurance you might need.
Financial
obligations can typically be divided into the categories of: current
debts, income replacement and
future expenses.
That's why you should choose the right cover amount on the basis of your current lifestyle, family's need, your
future obligations, income, loan and
debt.
In making an equitable apportionment of marital property, the family court must give weight in such proportion as it finds appropriate to all of the following factors: (1) the duration of the marriage along with the ages of the parties at the time of the marriage and at the time of the divorce; (2) marital misconduct or fault of either or both parties, if the misconduct affects or has affected the economic circumstances of the parties or contributed to the breakup of the marriage; (3) the value of the marital property and the contribution of each spouse to the acquisition, preservation, depreciation, or appreciation in value of the marital property, including the contribution of the spouse as homemaker; (4) the income of each spouse, the earning potential of each spouse, and the opportunity for
future acquisition of capital assets; (5) the health, both physical and emotional, of each spouse; (6) either spouse's need for additional training or education in order to achieve that spouse's income potential; (7) the non marital property of each spouse; (8) the existence or nonexistence of vested retirement benefits for each or either spouse; (9) whether separate maintenance or alimony has been awarded; (10) the desirability of awarding the family home as part of equitable distribution or the right to live therein for reasonable periods to the spouse having custody of any children; (11) the tax consequences to each or either party as a result of equitable apportionment; (12) the existence and extent of any prior support
obligations; (13) liens and any other encumbrances upon the marital property and any other existing
debts; (14) child custody arrangements and
obligations at the time of the entry of the order; and (15) such other relevant factors as the trial court shall expressly enumerate in its order.
Understand everything you sign, most especially any
future obligations in terms of unpaid
debt.
There are no major long ‐ term
debt maturities over the next five years, and we maintain significant liquidity to meet our
obligations and fund
future expected growth.