Sentences with phrase «income of your significant other»

You do not need to be married to consider the income of your significant other.

Not exact matches

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.

Because we hold significant assets and liabilities in currencies other than our Russian ruble operating currency, and because foreign exchange fluctuations are outside of our operational control, we believe that it is useful to present adjusted net income and related margin measures excluding these effects, in order to provide greater clarity regarding our operating performance.

Some of these agreements have resulted in significant market opening; others have been of lower standard and have dodged the tough issues necessary to maximize income gains from trade; still others have resulted in trade diversion rather than trade creation and have created a so - called «noodle bowl» of overlapping and sometimes contradictory agreements that have become a thicket of regulations that businesses often find difficult to understand.

Much of this comes about from the significant reductions in tax rates (reduction of two - percentage points in the GST, a six - percentage point decline in the general corporate income tax rate, among others), without offsetting reductions to program expenses.

A widow, for example, with one million dollars to invest and no other source of income is going to want to place a significant portion of her wealth in fixed income obligations that will generate a steady source of retirement income for the remainder of her life.

Accordingly, a year - over-year increase in new claims of about 20 % (which would currently equate to a level of about 340,000 weekly new claims) would create a significant concern of a new recession in progress, particularly if coupled with other evidence such as equity market weakness and slowing growth in real personal income.

Other significant buyers of U.S. Treasury debt, such as pensions and insurance companies, may continue to reallocate to fixed - income holdings to better align their assets with their liabilities.

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.

All of Wenger's disastrous plans when it comes to transfers, both incoming and outgoing, are coming home to roost... why would anyone pay a significant fee for a player that was hardly used, is overpaid and has a spotty injury record; not to mention the fact that Wenger nickels & dimes everyone when it comes to transfers so it only makes sense that other teams would do likewise when dealing with us... the fact is I wouldn't be surprised if Wenger does this so that players won't be moved thereby giving him a ready - made excuse not to spend more money on transfers; there's a reason why the latest headlines regarding Arsenal transfers seem to suggest that we aren't bringing anyone in until some players are sold or moved elsewhere on loan... we know this club knows how to utilize press coverage to further their questionable agendas, it's the very reason why the Sanchez situation has become such a nightmare

When other factors (race, ethnicity, income and education) are taken into account, marriage is a significant predictor of a mother's happiness while employment status is not.

Some planned gifts may be changed while others may have significant tax advantages for you today and may provide increased income for you for the rest of your lifetime.

A significant share of the gaps in income, education, crime, and other socio - economic indicators between Southern states and non-Southern states in the U.S. is associated statistically with having larger African - American populations, although Southern whites are still lower in income, less likely to receive educations, and more likely to commit crimes, etc. than whites in metropolitan areas outside the South.

This agreement with a company that has substantial business before the state came a day before Cuomo and the Assembly struck their two - way reform deal, which doesn't require outside income disclosure for spouses of significant others.

Personal income taxes on the other hand is the largest source of revenue for the government so even small changes have a significant impact.

In fact, SILVER's outside income included millions of dollars of fees obtained through Glenwood and Witkoff, both of which had significant business before the state, and Dr. Taub, to whose benefit SILVER provided state funding and other benefits related to SILVER's official position.

And it warns the government's attempts to persuade private firms to set up the treatment centres, by guaranteeing them an income regardless of their work load, gives them a «significant advantage» over other NHS providers.

Individuals in the lowest of the 6 poverty - income ratio categories had more than a 2-fold increased odds of PAD compared with those in the highest poverty - income ratio category, an association that was still significant after accounting for other risk factors.

Other groups that saw significant increases included: older adults; racial / ethnic minorities; and Americans with lower levels of education and income.

Any alternative that calls for significant increases in expenditures for education, whether financed through increases in property taxation or through other sources of tax dollars, such as income and sales taxes, is certain to encounter political barriers.

Earlier in its history, the New York office of Appleseed made significant contributions in a number of other fields including access to the New York State Earned Income Tax Credit, consumer debt, health care, and others areas.

To be sure, a variety of societal and individual factors — such as the income level of a student's family — also affect educational outcomes.30 But when controlling for these factors, teacher quality makes a significant difference for students» test scores and other educational outcomes.

There's a lot of work involved in successfully selling on these other platforms, but a handful of authors rank Kobo, Google Play, and Apple as a significant source of their income.

Emerging Writer Membership includes additional benefits, such as low - cost web services, while Full Membership — available once you have a contract offer from an established publisher or agent, or earn significant writing income — allows writers to take advantage of contract reviews and other legal services.

But if you have a debt - to - income ratio above 45 % of your gross income you'll be expected to have a significant cash reserve or other mitigating factors (such as just graduating from medical school).

Paying off a home mortgage in full also would likely free up a significant chunk of your income, allowing you to have more control and freedom to use it for other purposes.

To improve your chances of being approved, we recommend borrowers have credit scores of 680 or higher, significant retirement or other savings, a low debt - to - income ratio, a variety of credit or loan accounts and several years of credit history.

If the significant other is working a job, they'll likely have income above the exemption amount, and that blows the entire thing out of the water even if the other 3 items are true.

An immediate annuity's ability to transfer money from people who die early to those who die late is largely the reason that a recent study by former U.S. Treasury official Mark Warshawsky concluded that while an annuity didn't always provide more retirement income than using the 4 % rule or other type of systematic withdrawal, it did so often enough that «it is hard to argue against a significant and widespread role for immediate life annuities in the production of retirement income.»

Tax tip: If you have no other sources of income, you can receive a significant amount of Canadian dividend income and pay little or no tax.

In order to make a significant amount of money you need to either put a large amount of money into interest producing investments or put a ton of time and hard work into the other residual income ideas.

«For others without significant financial means, the income [from the insurance proceeds] can offset the possibility of going into debt to pay for these various expenses.»

To get a more accurate estimate of the actual tax cost of the conversion, a tax pro might take your prior year return and redo it, plugging in not only the added income from the conversion but also estimated adjustments for other significant changes.

As others in this situation may experience, there is a significant opportunity cost in forgoing immediate income and accompanying employer Superannuation contributions (currently 9.5 % of salary) and potential returns given the time value of compounding (i.e. the sooner you start compounding, the greater your investment returns, all else being equal).

You'll reap the greatest benefits when one member of the couple earns significant pension income while the other has little or no income.

Q. For a retired taxpayer who has other income, a significant part of their Social Security is received and is then taken back to the federal government as income taxes.

The amount of money locked is not that significant relatively to your income (10 % in your case, which is a lot relatively to others of your age, and shows that you think ahead and plan for your future), but it builds up a cushion to fall to when you're old.

On the other hand, if you're in a low tax bracket today, you might consider a Roth now, when a lowering of your gross income will not be as significant a tax benefit as it might be later on, if you find yourself in a higher bracket.

With other forms of passive income, such as selling travel photography, I don't really have significant responsibility with that income.

At the other end of the spectrum, a high - income earner may see significant Old Age Security clawbacks from RRIF withdrawals, but would still be better off with an RRSP because that would be more than offset by the greater tax savings when contributions are made.

While many offer low introductory rates, after a designated time period, those rates skyrocket to more than 20 % Annual Percentage Rate (APR) Regardless of your income, carrying any significant amount of debt at that interest rate for anything other than a short term is unsustainable because of how the interest compounds.

In addition, I - 1631 requires that 35 % of all funds provide «direct and meaningful» benefits to «pollution and health action areas» — regions where residents face a significant cumulative environmental health impact as measured by income, pollution and other challenges.

Since Dr. Michaels and other research scientists obtain a significant portion of their income from New Hope, the damage to New Hope will seriously diminish their livelihoods.»

Certain factors are usually weighed more heavily than others, such as the length of marriage and any significant disparity in incomes of the parties.

Instead, they typically look for cold, hard facts such as medical bills, documented loss of income, and other significant proof of damages.

the spouse derives a significant portion of income from dividends, capital gains or other sources that are taxed at a lower rate than employment or business income or that are exempt from tax; and

Whether you need to relocate because of work, have had a significant change in your income, or have stopped receiving child support payments, you want an attorney who knows the law and the process, one who has helped others just like you get the relief they needed in similar circumstances.

The Court of Appeal therefore firmly closed a significant route for obtaining compensation for loss of income during interim suspensions, both for doctors and — potentially — for other care professionals.

I suspect that she and others like her are capable of earning significant incomes.

To counter these problems about its lack of assets, the corporate plaintiff had to disclose its financials with «robust particularity», i.e., in a fulsome way, including the following: the amount and source of all income; a description of all assets (including values); a list of all liabilities and other significant expenses; an indication of the extent of the ability of the plaintiffs to borrow funds; and details of any assets disposed of or encumbered since the cause of action arose.