Sentences with phrase «future living expenses in»

The new reality is a self - directed career with multiple employers, personal responsibility to save adequately for retirement and future living expenses in an extended retirement period with less and less provided by government.

Not exact matches

If you're living within your means, your primary source of income should take care of all your fixed and fun expenses; everything else should be used to invest in your future self.

Their Retirement Planner is also the best i've seen given it uses your real expenses and income you've linked up to calculate how your financial life will be in the future.

In conjunction with the impairment evaluation, we also reclassified these brands to be definite - lived intangible assets to be amortized over useful lives ranging from 30 to 50 years, which will increase future amortization expense by $ 40.7 million per annum, based on current foreign exchange rates.

Important factors that may affect the Company's business and operations and that may cause actual results to differ materially from those in the forward - looking statements include, but are not limited to, operating in a highly competitive industry; changes in the retail landscape or the loss of key retail customers; the Company's ability to maintain, extend and expand its reputation and brand image; the impacts of the Company's international operations; the Company's ability to leverage its brand value; the Company's ability to predict, identify and interpret changes in consumer preferences and demand; the Company's ability to drive revenue growth in its key product categories, increase its market share, or add products; an impairment of the carrying value of goodwill or other indefinite - lived intangible assets; volatility in commodity, energy and other input costs; changes in the Company's management team or other key personnel; the Company's ability to realize the anticipated benefits from its cost savings initiatives; changes in relationships with significant customers and suppliers; the execution of the Company's international expansion strategy; tax law changes or interpretations; legal claims or other regulatory enforcement actions; product recalls or product liability claims; unanticipated business disruptions; the Company's ability to complete or realize the benefits from potential and completed acquisitions, alliances, divestitures or joint ventures; economic and political conditions in the United States and in various other nations in which we operate; the volatility of capital markets; increased pension, labor and people - related expenses; volatility in the market value of all or a portion of the derivatives we use; exchange rate fluctuations; risks associated with information technology and systems, including service interruptions, misappropriation of data or breaches of security; the Company's ability to protect intellectual property rights; impacts of natural events in the locations in which we or the Company's customers, suppliers or regulators operate; the Company's indebtedness and ability to pay such indebtedness; the Company's ownership structure; the impact of future sales of its common stock in the public markets; the Company's ability to continue to pay a regular dividend; changes in laws and regulations; restatements of the Company's consolidated financial statements; and other factors.

Amid the way of personal existence, we identify with and cling to past and future experiences in our own life - stream, accentuating our own continuity over time, but often at the expense of also identifying with other people and the rest of the world.

• A new intergenerational study shows that for 76 % of 15 - 17 year olds, studying hard for good exam results is their biggest priority for the coming year; and they are preparing to sacrifice friendships, family time, hobbies and even sleep to achieve this, • In fact 57 % of 15 - 17 year olds feel school work must come before anything else if they want to do well in the future • And only 39 % of this age group think being happy is more important than good grades • Yet half (51 %) of UK business leaders calls on teens to develop broader life / work skills before leaving education A new report launched today by National Citizen Service (NCS) reveals that the UK ¹ s 15 - 17 year olds feel under significant pressure to excel in exams at the expense of other life skills, experiences, healthy relationships and even their own happiness, suggesting that they are struggling to juggle the demands of young adulthooIn fact 57 % of 15 - 17 year olds feel school work must come before anything else if they want to do well in the future • And only 39 % of this age group think being happy is more important than good grades • Yet half (51 %) of UK business leaders calls on teens to develop broader life / work skills before leaving education A new report launched today by National Citizen Service (NCS) reveals that the UK ¹ s 15 - 17 year olds feel under significant pressure to excel in exams at the expense of other life skills, experiences, healthy relationships and even their own happiness, suggesting that they are struggling to juggle the demands of young adulthooin the future • And only 39 % of this age group think being happy is more important than good grades • Yet half (51 %) of UK business leaders calls on teens to develop broader life / work skills before leaving education A new report launched today by National Citizen Service (NCS) reveals that the UK ¹ s 15 - 17 year olds feel under significant pressure to excel in exams at the expense of other life skills, experiences, healthy relationships and even their own happiness, suggesting that they are struggling to juggle the demands of young adulthooin exams at the expense of other life skills, experiences, healthy relationships and even their own happiness, suggesting that they are struggling to juggle the demands of young adulthood.

Welcome Future Global Professors and College Scholars of: Yasuni - Amazona, «The Rain Forest Project» YASUNI Symbolizes Abundance of Life on Earth Our Non-Profit Educational Project in collaboration with the NAPO WILDLIFE CENTER offers an ALL EXPENSE PAID COMPREHENSIVE AMAZON TRIP, FULL ROOM & BOARD, ROUND TRIP AIRFARE, for Global Scholars interested in Studying a topic of their academic passion in the Yasuni, State Park in Ecuador -LSB-...]

In setting your initial withdrawal rate, you'll also want to consider how much of your expenses you can cover from Social Security and any pensions, what other resources you have to draw on (home equity, income from an annuity, cash value life insurance, income from a part - time job) and how much of your retirement spending goes to essential expenses that you would have a hard time trimming vs. discretionary items that leave you with a lot more leeway cutting back should you need to in the futurIn setting your initial withdrawal rate, you'll also want to consider how much of your expenses you can cover from Social Security and any pensions, what other resources you have to draw on (home equity, income from an annuity, cash value life insurance, income from a part - time job) and how much of your retirement spending goes to essential expenses that you would have a hard time trimming vs. discretionary items that leave you with a lot more leeway cutting back should you need to in the futurin the future.

Once you know that you are in a strong footing to pay for any present and future expenses with ease, go for a Canada mortgage and enjoy the comforts of living in your personal home!

To protect your family and your future, strive to maintain three to six months» worth of living expenses in a separate account.

After accounting for the cost of raising your kids as well as their future college expenses, you have about $ 1.9 million in financial obligations, meaning that you ideally need that amount minus your liquid assets covered by life insurance — so about $ 1.8 million in coverage.

While you should think of life insurance as an income replacement, you have to look at the bigger picture and consider everything you need to pay for, including future expenses such as what happens in the next 10 years when your kids start to grow up.

Like a traditional Whole Life Insurance policy, a Child Life policy also builds cash value, and can be accessed in the future for expenses like school tuition, buying a new house, a vehicle, etc..

Whether you are accumulating assets for retirement or other goals, relying on your investment portfolio for living expenses, planning for your children's future, or simply want to gain comfort that your investments and financial planning are in order, a sound financial planning process will optimize the likelihood you will meet your goals.

This way you avoid adding on mortgage loan insurance fees and you have a much better chance of keeping your current monthly expenses manageable and absorbing future increases in the cost of living.

There are countless resources for living frugally and finding ways to save on everyday expenses such as your cable bill and groceries, but in order to save for a home you will need discipline to set aside money for the future.

By living a frugal lifestyle I'm able to cope with the 1000 euro a month that I'm gonna be making starting in January May 2015 as I do need to save some money for some future planned expenses.

For people retiring right now with an all - stock portfolio and living expenses barely covered by a 4 % withdrawal rate, I would say «yes, be careful and be sure you have a safety margin like the ability to rent out a room in your house or work part - time sometime in the future».

By living a frugal lifestyle im able to cope with the 1000 euro investment a month that im gonna be making starting in februari 2015 as I do need to save some money for some future planned expenses.

Also, it's unlikely that New York Life will continue to have the same investment results on the assets supporting its policy obligations, or the same mortality rates and expenses, so the results in this research offer no assurances about the future.

As mentioned, life insurance is a great way for individuals to pay off debts, plan for future expenses, and leave their loved ones in a good place financially.

While their income history would be considered in making the initial «means test» calculations, they would be able to show that they now have less income and higher living expenses in the future to justify a general discharge under Chapter 7.

It is made as an effort to make the life of the injured party whole again, and provide for their future expenses in the case that they are unable to work.

Because injured nursing home residents are generally older, in poor health, and have a relatively short life expectancy, damage elements that are common in other personal injury cases, such as lost earning capacity, future pain and suffering, and future medical expenses, will not be as significant.

For years, Cates Mahoney, LLC has successfully represented countless clients in medical malpractice cases and helped them obtain compensation for their past and future medical expenses, past and future pain and suffering, emotional distress, loss of quality of life, and physical impairment.

Our Manhattan construction accident lawyers will also assist you in determining what money you have a right to sue for including: lost wages, future pain and suffering, medical expenses arising out of the accident, disability caused by the accident, loss of enjoyment of life, loss of vacation time, loss of union benefits, loss of possible promotion at work and loss of consortium with your spouse or family member arising out of the accident.

To quantify the extent of personal injury, Mr. Padove factors in all aspects associated with the injury, including: current and forecasted medical expenses, pain and suffering, current and future lost earnings, the impact that the injury has had on the marriage (if the party is married), and the loss of lifestyle habits such as recreational activities, school, professional and social life.

A living together or cohabitation agreement may save a lot of argument and expense in the future as the law in this area remains particularly uncertain.

Tort claims are meant to compensate you for your pain and suffering (general damages), past and future loss of income, loss of competitive advantage in the workplace, future care costs not covered by accident benefits, loss of enjoyment of life, special damages like your out - of - pocket expenses, aggravated damages, punitive damages, and any other damages which you sustained as a result of your car accident.

• The spouses» income and ownership of property • The spouses» present and future earnings • The spouses» education and training levels • The hinderance of one spouse's job - seeking ability by the other spouse (for example: domestic violence) • The children's residency • The maintenance - seeking spouse's ability to support self • The spouses» living conditions prior to marriage • The maintenance - seeking spouse's lack of income due to remaining home to raise the children instead of being gainfully employed • The children's extra expenses (for example: schooling, day care or medical expenses) • Providing care for disabled children, adult children, elderly parents or in - laws • The maintenance - seeking spouse's contributions to the marriage (for example: becoming a homemaker and not receiving a fixed income) • Either spouse's loss of assets due to a risky behavior • Loss of health insurance benefits due to the divorce (The maintenance - seeking spouse will need to obtain insurance.

For example, term life insurance is oftentimes a good solution for those who want to ensure that the balance of their mortgage is paid off, their children can afford college in the future, and / or that their family will still have the necessary funds available to pay their living expenses if the unexpected is to occur.

Like a traditional Whole Life Insurance policy, a Child Life policy also builds cash value, and can be accessed in the future for expenses like school tuition, buying a new house, a vehicle, etc..

The proceeds from a life insurance policy can be used for a multitude of purposes — including paying off big debts, the payoff of an insured's funeral and other final expenses, and / or for the payment of loved ones» ongoing living expenses in the future.

Using the «human life value» assessment, an agent can determine the correct amount of life insurance based on the client's occupation, annual income, planned retirement age, short and long - term family expenses, and finally, the depreciation in the value of the dollar, otherwise known as inflation, in the future.

After accounting for the cost of raising your kids as well as their future college expenses, you have about $ 1.9 million in financial obligations, meaning that you ideally need that amount minus your liquid assets covered by life insurance — so about $ 1.8 million in coverage.

Before you shop around for a life insurance policy, take stock of the expenses you have and expect to have in the future.

For those that do, the average amount of coverage is typically small, and often just enough to provide the benefit of covering final expenses.1 The fact is, there are many other benefits to purchasing life insurance for your child, including locking in their future coverage.

With uncertainty over the future of Social Security in the current White House cabinet, and an increasing strain on the system by aging Baby Boomers, a more prudent approach is to think of Social Security as an insufficient means of covering your retirement living expenses on its own.

Although a smaller benefit probably would have been enough for just the mortgage and spousal support, Anthony chooses a larger amount to make sure that both his wife and his parents will be shielded from any unforeseen increases in their living expenses due to future potential medical costs.

As mentioned, life insurance is a great way for individuals to pay off debts, plan for future expenses, and leave their loved ones in a good place financially.

To understand how much cover a person needs in a best saving scheme, he or she has to take stock of their existing expenses, compute to the extent possible the amount of future obligations that are likely to crop up and how much money they need to meet their living expenses.

The approach that is used by Fidelity in fulfilling its customers» basic needs includes offering assistance with maintaining a family's standard of living, helping a family to pay ongoing family debts, funding the future education of children and / or grandchildren, paying for final expenses, and leaving the family a financial legacy.

Also, it's unlikely that New York Life will continue to have the same investment results on the assets supporting its policy obligations, or the same mortality rates and expenses, so the results in this research offer no assurances about the future.

A term life policy can offer a great way to obtain cost - effective coverage that can help loved ones with mortgage payments, payment of debt, ongoing income for living expenses, and / or future college tuition costs in case of the unexpected.

You will also need to make provisions for these future expenses in your life insurance cover, to secure the future of your family members such as your children.

Better manage your final expenses by seeking out life insurance which completely pays for your funeral costs at some point in the future.

In the event of a policy holder's death, life insurance can help to pay off a mortgage or other debts, cover funeral costs and related final expenses, replace lost income from the decedent, and pay for a child's future education costs.

While you should think of life insurance as an income replacement, you have to look at the bigger picture and consider everything you need to pay for, including future expenses such as what happens in the next 10 years when your kids start to grow up.

Objective: The function of term life insurance is to help your family members meet their regular expenses and future needs even in your absence.