Sentences with phrase «lack of financial planning»

After realizing there was a similar problem in the community, the lack of financial planning for retirement, he decided to offer products that met the unique needs of the individuals.

Not exact matches

Lack of planning can lead to plenty of financial struggles, from late payments and credit problems to extra months (even years) in debt.

In 2016's test, Royal Bank of Scotland, Barclays, and Standard Chartered came up lacking, with RBS forced to submit plans to the PRA — the BoE's regulatory arm — detailing how it would raise capital and boost resilience to financial shocks.

This lack of knowledge might be due to poor financial planning — or it might be because most people don't understand simple finance terms and concepts.

Among the things that prompted the creation of the inquiries were: financial difficulties facing DB pension plans and related concerns about DB funding rules; long simmering and unresolved legal issues, the most prominent of which revolve around the use of surpluses in DB plans; ambiguity about how EPP regulations apply to new hybrid plans; a lack of harmonization among Canadian regulatory laws; and declining coverage by EPPs in general and DB plans in particular.

Industry trade groups like the Investment Company Institute and the Securities Industry and Financial Markets Association have come out against state - run plans, arguing that they will spur a «confusing, state - by - state patchwork of savings programs» that could lack strict federal controls.

These risks and uncertainties include food safety and food - borne illness concerns; litigation; unfavorable publicity; federal, state and local regulation of our business including health care reform, labor and insurance costs; technology failures; failure to execute a business continuity plan following a disaster; health concerns including virus outbreaks; the intensely competitive nature of the restaurant industry; factors impacting our ability to drive sales growth; the impact of indebtedness we incurred in the RARE acquisition; our plans to expand our newer brands like Bahama Breeze and Seasons 52; our ability to successfully integrate Eddie V's restaurant operations; a lack of suitable new restaurant locations; higher - than - anticipated costs to open, close or remodel restaurants; increased advertising and marketing costs; a failure to develop and recruit effective leaders; the price and availability of key food products and utilities; shortages or interruptions in the delivery of food and other products; volatility in the market value of derivatives; general macroeconomic factors, including unemployment and interest rates; disruptions in the financial markets; risk of doing business with franchisees and vendors in foreign markets; failure to protect our service marks or other intellectual property; a possible impairment in the carrying value of our goodwill or other intangible assets; a failure of our internal controls over financial reporting or changes in accounting standards; and other factors and uncertainties discussed from time to time in reports filed by Darden with the Securities and Exchange Commission.

As Canadians review their financial plans and make investment decisions ahead of the RRSP deadline, they lack awareness of a solution to help them plan for retirement...

A recent poll by the Financial Planning Standards Council suggests that a large number of women lack money skills and knowledge.

300cubits, the team behind the upcoming ICO says that the shipping industry is «crippled by a lack of trust» and it plans to «bring discipline and efficiency» and address the significant financial losses associated with...

Tens of millions of Americans lack access to workplace retirement plans, leaving them at - risk of not meeting their financial...

Not because Arsenal is not attractive enough or lack the financial strength but because Wenger has no plan of signing this month

Time for some brutal honesty... this team, as it stands, is in no better position to compete next season than they were 12 months ago, minus the fact that some fans have been easily snowed by the acquisition of Lacazette, the free transfer LB and the release of Sanogo... if you look at the facts carefully you will see a team that still has far more questions than answers... to better show what I mean by this statement I will briefly discuss the current state of affairs on a position - by - position basis... in goal we have 4 potential candidates, but in reality we have only 1 option with any real future and somehow he's the only one we have actively tried to get rid of for years because he and his father were a little too involved on social media and he got caught smoking (funny how people still defend Wiltshire under the same and far worse circumstances)... you would think we would want to keep any goaltender that Juventus had interest in, as they seem to have a pretty good history when it comes to that position... as far as the defenders on our current roster there are only a few individuals whom have the skill and / or youth worthy of our time and / or investment, as such we should get rid of anyone who doesn't meet those simple requirements, which means we should get rid of DeBouchy, Gibbs, Gabriel, Mertz and loan out Chambers to see if last seasons foray with Middlesborough was an anomaly or a prediction of things to come... some fans have lamented wildly about the return of Mertz to the starting lineup due to his FA Cup performance but these sort of pie in the sky meanderings are indicative of what's wrong with this club and it's wishy - washy fan - base... in addition to these moves the club should aggressively pursue the acquisition of dominant and mobile CB to stabilize an all too fragile defensive group that has self - destructed on numerous occasions over the past 5 seasons... moving forward and building on our need to re-establish our once dominant presence throughout the middle of the park we need to target a CDM then do whatever it takes to get that player into the fold without any of the usual nickel and diming we have become famous for (this kind of ruthless haggling has cost us numerous special players and certainly can't help make the player in question feel good about the way their future potential employer feels about them)... in order for us to become dominant again we need to be strong up the middle again from Goalkeeper to CB to DM to ACM to striker, like we did in our most glorious years before and during Wenger's reign... with this in mind, if we want Ozil to be that dominant attacking midfielder we can't keep leaving him exposed to constant ridicule about his lack of defensive prowess and provide him with the proper players in the final third... he was never a good defensive player in Real or with the German National squad and they certainly didn't suffer as a result of his presence on the pitch... as for the rest of the midfield the blame falls squarely in the hands of Wenger and Gazidis, the fact that Ramsey, Ox, Sanchez and even Ozil were allowed to regularly start when none of the aforementioned had more than a year left under contract is criminal for a club of this size and financial might... the fact that we could find money for Walcott and Xhaka, who weren't even guaranteed starters, means that our whole business model needs a complete overhaul... for me it's time to get rid of some serious deadweight, even if it means selling them below what you believe their market value is just to simply right this ship and change the stagnant culture that currently exists... this means saying goodbye to Wiltshire, Elneny, Carzola, Walcott and Ramsey... everyone, minus Elneny, have spent just as much time on the training table as on the field of play, which would be manageable if they weren't so inconsistent from a performance standpoint (excluding Carzola, who is like the recent version of Rosicky — too bad, both will be deeply missed)... in their places we need to bring in some proven performers with no history of injuries... up front, although I do like the possibilities that a player like Lacazette presents, the fact that we had to wait so many years to acquire some true quality at the striker position falls once again squarely at the feet of Wenger... this issue highlights the ultimate scam being perpetrated by this club since the arrival of Kroenke: pretend your a small market club when it comes to making purchases but milk your fans like a big market club when it comes to ticket prices and merchandising... I believe the reason why Wenger hasn't pursued someone of Henry's quality, minus a fairly inexpensive RVP, was that he knew that they would demand players of a similar ilk to be brought on board and that wasn't possible when the business model was that of a «selling» club... does it really make sense that we could only make a cheeky bid for Suarez, or that we couldn't get Higuain over the line when he was being offered up for half the price he eventually went to Juve for, or that we've only paid any interest to strikers who were clearly not going to press their current teams to let them go to Arsenal like Benzema or Cavani... just part of the facade that finally came crashing down when Sanchez finally called their bluff... the fact remains that no one wants to win more than Sanchez, including Wenger, and although I don't agree with everything that he has done off the field, I would much rather have Alexis front and center than a manager who has clearly bought into the Kroenke model in large part due to the fact that his enormous ego suggests that only he could accomplish great things without breaking the bank... unfortunately that isn't possible anymore as the game has changed quite dramatically in the last 15 years, which has left a largely complacent and complicit Wenger on the outside looking in... so don't blame those players who demanded more and were left wanting... don't blame those fans who have tried desperately to raise awareness for several years when cracks began to appear... place the blame at the feet of those who were well aware all along of the potential pitfalls of just such a plan but continued to follow it even when it was no longer a financial necessity, like it ever really was...

Standard & Poor's criticized Oyster Bay's lack of long - term financial planning, absence of a formal policy to limit borrowing and pay down debt, unrealistic projections and failure to make budget adjustments when actual revenue and expenses don't add up.

The state called these practices, which led directly to an increased burden on district taxpayers, «inappropriate» and also criticized the board for the lack of a long - term financial plan and for refusing to take action to address the situation.

Outdated land management practices, a dearth of local decision - making bodies with real powers, a lack of long - term planning, along with long - standing educational and financial disempowerment and marginalization are among the hurdles the prevent Arctic communities from adapting to climate change, says a McGill - led research team.

As late as April and May of their senior year of high school ~ there is a lack of knowledge among students about how they will pay for college There are substantial gender and socioeconomic differences evident in choosing STEM majors Parents and friends are key sources of support for postsecondary transition planning that need to be fully utilized On average ~ students do nt see college and career readiness counseling services as being as frequent or helpful as do their counselors and principals in terms of social and emotional development ~ financial planning ~ college and career planning and scheduling.

• A lack of evidence that the school will start with a sound financial foundation • No description of how the school will use data to evaluate educators or inform instruction • No discussion of how the school will create and sustain a culture of high expectations • No plans to hire a management organization to run the school

Although trustees said they understood the community's desire to improve the school, they expressed concerns about a lack of specific information regarding the planned curriculum, financial plan and other details.

LAs, for example, are under significant financial pressure, and face increasing numbers of pupils with high needs «at a time when they may lack the capacity to plan strategically for them».

The reasons range from a lack of confidence to a distaste for the male - dominated world of financial planning, but one thing is certain — the needs of female investors aren't being met.

Lack of personal finance tools: Those seeking a more fleshed - out financial advisory experience — calculators, planning tools, educational material and a money command central — may find Wealthsimple's purposely streamlined website and app sparse compared with other providers.

I do regret the foolish purchases for comsumables that resulted in this debt and my lack of financial awareness in my 20s and early 30s, but that's water under the bridge and right now it is just satisfying to keep on my financial plan successfully from month to month and meet my obligations.

Q: I am considering retiring early (at 55) and based on advice from my financial planner, I can rather easily do so, primarily based on our assets, lack of any debt, and my wife's existing defined benefit pension plan.

[Biotechnology Value Fund] believe that the investment community clearly lacks confidence in such a plan, as evidenced by recent reports from stock analysts and by the $ 0.61 per share closing price of [AVGN]'s common stock on October 30, 2008, reflecting only 31 % of [AVGN]'s financial assets as of September 30, 2008.

Quite frankly, with the lack of financial retirement planning nowadays, not to mention the ancillary benefit of teaching our children responsibility, it's not a bad retirement planning strategy to expect your kids to foot their tuition bill.

Additionally, federal student loans have inherent benefits that private student loans lack, like income - based repayment plans, forgiveness of loans in the future, fixed interest rates set by the government, and deferment and forbearance options for borrowers facing financial hardship.

Furthermore, lack of planning and unrealistic expectations about future costs of basic health care and long - term care will place many retirees in an untenable financial position.

Regardless, even this list has its limitations due to the lack of regulation of financial planners and financial planning in this country, James.

For couples lacking an RPP, consider the following planning technique suggested by certified financial planner Aaron Hector (of Calgary - based Doherty & Bryant Financial Strategists): Convert at least a portion of their RRSPs into a RRIF once theyfinancial planner Aaron Hector (of Calgary - based Doherty & Bryant Financial Strategists): Convert at least a portion of their RRSPs into a RRIF once theyFinancial Strategists): Convert at least a portion of their RRSPs into a RRIF once they turn 65.

Uncommitted policies (S2), the second type, may lack detailed implementation plans or firm financial support, but have all been proposed, such as new efficient and zero net energy building targets, construction of the high - speed rail system, and initiatives by various agencies to, for example, increase biofuels use and continue progress in improving vehicle efficiency.

We ensure your financial, medical and legal wishes are carried out so that your family does not suffer the financial and emotional crisis that often arises from lack of planning.

Cost may also be a barrier to the overall lack of awareness of Seg Funds and why Canadians aren't considering them in their financial plans.

Lack of planning can push your financial goals back

Our # 1 goal is to help you secure the coverage necessary so you can get on with your life and have the peace of mind in knowing your family will not be left with unnecessary financial hardships due to a lack of advanced planning.

Edelman's biggest nemesis is the lack of a comprehensive financial plan.

This new insurance plan will bring a great financial relief for many families who otherwise could not get expensive and better medical care due to lack of medical funds.

The resultant financial planning also safeguards one's savings and other investments as the assets / investments do not need to be liquidated out of sheer lack of choice.

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News of Binance's planned move to Malta comes after the exchange received a warning from Japan's financial watchdog, the Financial Services Agency (FSA), regarding its lack of an operating license within thefinancial watchdog, the Financial Services Agency (FSA), regarding its lack of an operating license within theFinancial Services Agency (FSA), regarding its lack of an operating license within the country.

Previously Rowland issued several warnings that that the lack of payment of assessed financial contributions would mean the likely cancellation of CCW meetings planned for 2017.

He was «disgusted» by the Australian Medical Association's plans to offer financial incentives to induce doctors in developing countries to practise in Australia, leaving the homeland infant mortality rates to soar for lack of personnel.

Personality is another aspect of your relationship that will play a major role in your financial plans and your marital bliss or lack thereof.

Furthermore, lack of planning and unrealistic expectations about future costs of basic health care and long - term care will place many retirees in an untenable financial position.