Sentences with phrase «not in your financial plans»

If your boyfriend wants to take an exotic vacation but it's not in your financial plans, suggest a long weekend away.

If you are looking for a way to remain in control and on budget this college year, then consider renters insurance to take care of those «what if» moments that were not in your financial plan.

Not exact matches

And consider a backup plan in case life changes for your kids — for example, they move to another city and you don't want to follow them, or they have financial hardships of their own that prevent them from helping you.

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.

«Attaining millionaire status doesn't mean much anymore,» says financial planner Vid Ponnapalli, founder of financial planning firm Unique Financial Advisors in Holmdel, Nefinancial planner Vid Ponnapalli, founder of financial planning firm Unique Financial Advisors in Holmdel, Nefinancial planning firm Unique Financial Advisors in Holmdel, NeFinancial Advisors in Holmdel, New Jersey.

In a report released last month, GAO concluded that the offers it received «did not compare favorably with other financial products or offerings, such as loans and lump - sum options through pension plans.»

In recent months, many of the global banks have started to reveal details of their plans to relocate jobs away from London to other financial centers in Europe, afraid that the U.K. and EU won't be able to agree terms of engagement for the post-Brexit period before the U.K. leaves the EU in March 201In recent months, many of the global banks have started to reveal details of their plans to relocate jobs away from London to other financial centers in Europe, afraid that the U.K. and EU won't be able to agree terms of engagement for the post-Brexit period before the U.K. leaves the EU in March 201in Europe, afraid that the U.K. and EU won't be able to agree terms of engagement for the post-Brexit period before the U.K. leaves the EU in March 201in March 2019.

Financial advisor Carolyn McClanahan, director of financial planning at Life Planning Partners in Jacksonville, Florida, said the clients who say they don't want to retire often don't want to rein in their Financial advisor Carolyn McClanahan, director of financial planning at Life Planning Partners in Jacksonville, Florida, said the clients who say they don't want to retire often don't want to rein in their financial planning at Life Planning Partners in Jacksonville, Florida, said the clients who say they don't want to retire often don't want to rein in their splanning at Life Planning Partners in Jacksonville, Florida, said the clients who say they don't want to retire often don't want to rein in their sPlanning Partners in Jacksonville, Florida, said the clients who say they don't want to retire often don't want to rein in their spending.

Dividing shares isn't specifically about the financials or the numbers inside financial tables because the financial projections in a normal business plan will include a single number for the total dollars invested called «paid - in capital.»

«The No. 1 reason that advisors need to have a plan in place is this: If you have a fiduciary responsibility to your clients, you need to ensure that their financial affairs are attended to the moment you are not able to,» Tibergien said.

«They believe in creating a comprehensive plan — and following that plan,» says Anne - Marie Laboe, executive vice president at Bernard R. Wolfe & Associates, Inc., a financial planning firm in Chevy Chase, Md. «They don't invest in the latest fad or «hot tip».»

If you have someone who can't keep a dollar in their pocket, what are the chances that any financial plan will work unless they change their behavior?»

«Pension plans since the financial crisis have been in pretty rough shape because interest rates were held down by all the — I won't call it manipulation — but all the activities by the central banks to keep interest rates low and to spread growth,» he says.

Like a branch concept being used by Citi in New York, the centrepiece of RBC's so - called retail store is a futuristic financial - planning table designed to impress upon consumers just how far banking has come from the days of long lines and not - so - great service.

«If you are not disciplined enough, you can be much more inefficient than if you were at work,» says Howard Hook, a certified financial planner and certified public accountant with Access Wealth Planning in Roseland, N.J.

They're not for everyone: Before deciding to invest in a 529 plan, seeking advice from a financial planner or tax consultant would be a wise choice.

TORONTO — The 2013 - 14 financial year was an unusually strong one for the Canada Pension Plan Investment Board, which earned a 16.5 per cent annual return on the billions of dollars in assets it manages for the national retirement system, but its CEO cautions that level of growth likely won't soon be repeated.

But the financial terms and conditions of those deals are not in the business plan.

But that's not so, attorney John Scroggin, a partner with Scroggin & Company in Roswell, Georgia, told advisors Thursday at the Financial Planning Association's annual conference in Baltimore.

Plan ahead of aging - related conditions... Don't procrastinate on putting key financial documents and policies in place.

They may be skilled tradesmen, savvy financial advisers or talented writers — expert in the niche they plan to build their business around — but they're not marketers.

But it doesn't take a financial wizard to figure out that the family's all - encompassing trust in the frothy Toronto real estate market may be leading them to a steep fall if any part of their plan falters.

According to the Financial Times, he plans to say that «Unilever will not invest in platforms or environments that do not protect our children or which create division in society, and promote anger or hate.»

It might seem counter-intuitive to focus on saving money instead of paying off debt, but having a $ 1,000 emergency fund in place first provides a financial cushion so that unplanned expenses, such as medical bills and home repairs, don't completely derail your debt - repayment plan.

«Don't be too proud to apply for unemployment; you're not getting something for nothing,» explains Certified Financial Planner Gary Silverman, founder of Personal Money Planning in Wichita Falls, Texas.

Financial planning can't eliminate all anxiety and fear, but it can help you give yourself permission to enjoy your retirement years in a disciplined and efficient way.

Federal and provincial finance ministers considered the Report in their triennial review of CPP finances in May, 2009, endorsed its main conclusion regarding the satisfactory state of the Plan's finances, and announced some changes to the plan that will likely have minor financial implications, but are not insignificPlan's finances, and announced some changes to the plan that will likely have minor financial implications, but are not insignificplan that will likely have minor financial implications, but are not insignificant.

This discussion also does not consider any specific facts or circumstances that may be relevant to holders subject to special rules under the U.S. federal income tax laws, including, without limitation, certain former citizens or long - term residents of the United States, partnerships or other pass - through entities, real estate investment trusts, regulated investment companies, «controlled foreign corporations,» «passive foreign investment companies,» corporations that accumulate earnings to avoid U.S. federal income tax, banks, financial institutions, investment funds, insurance companies, brokers, dealers or traders in securities, commodities or currencies, tax - exempt organizations, tax - qualified retirement plans, persons subject to the alternative minimum tax, persons that own, or have owned, actually or constructively, more than 5 % of our common stock and persons holding our common stock as part of a hedging or conversion transaction or straddle, or a constructive sale, or other risk reduction strategy.

None of our clients use a stock broker and insurance agent — which means they aren't affected by the rule at all unless their plan's financial advisor gives rollover recommendations in addition to investment advice.

Conversely, when the markets begin their decline and the daily news is quite sobering, the conversation turns to cutting burn rates and plans for survival, because financial markets don't just correct in this atmosphere, they overcorrect.

MH: Free enterprise under today's financial conditions threatens to bring about an unprecedented centralization of planning, not in the hands of government but by the financial conglomerates and money managers.

Such risks and uncertainties include, but are not limited to: our ability to achieve our financial, strategic and operational plans or initiatives; our ability to predict and manage medical costs and price effectively and develop and maintain good relationships with physicians, hospitals and other health care providers; the impact of modifications to our operations and processes; our ability to identify potential strategic acquisitions or transactions and realize the expected benefits of such transactions, including with respect to the Merger; the substantial level of government regulation over our business and the potential effects of new laws or regulations or changes in existing laws or regulations; the outcome of litigation, regulatory audits, investigations, actions and / or guaranty fund assessments; uncertainties surrounding participation in government - sponsored programs such as Medicare; the effectiveness and security of our information technology and other business systems; unfavorable industry, economic or political conditions, including foreign currency movements; acts of war, terrorism, natural disasters or pandemics; our ability to obtain shareholder or regulatory approvals required for the Merger or the requirement to accept conditions that could reduce the anticipated benefits of the Merger as a condition to obtaining regulatory approvals; a longer time than anticipated to consummate the proposed Merger; problems regarding the successful integration of the businesses of Express Scripts and Cigna; unexpected costs regarding the proposed Merger; diversion of management's attention from ongoing business operations and opportunities during the pendency of the Merger; potential litigation associated with the proposed Merger; the ability to retain key personnel; the availability of financing, including relating to the proposed Merger; effects on the businesses as a result of uncertainty surrounding the proposed Merger; as well as more specific risks and uncertainties discussed in our most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.cigna.com as well as on Express Scripts» most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.express-scripts.com.

The company has not disclosed the financial details but says it has «exciting plans in store.»

Planning for the future — but still not confident Despite using various financial tools for retirement savings such as RRSPs (45 per cent), cash savings (43 per cent), or TFSAs (39 per cent), 45 per cent of Canadians are still not confident that they will have enough money in retirement to afford the lifestyle they want.

Remember that signing up for a repayment plan such as IBR does not mean you have to stick with it forever; you can always reevaluate in a few years if your financial situation changes.

«This is a way that people who don't work with a financial adviser can generate income from an IRA or 401 (k),» he says, «and it's also a strategy that any 401 (k) operator can put in their plan.»

In early deliberations over the financial regulatory plan known as Dodd - Frank, Summers captured the president's imagination with a colorful analogy that emphasized the need for a new agency to protect consumer interests, saying banking regulators could not be trusted to do the job, according to participants in the meetinIn early deliberations over the financial regulatory plan known as Dodd - Frank, Summers captured the president's imagination with a colorful analogy that emphasized the need for a new agency to protect consumer interests, saying banking regulators could not be trusted to do the job, according to participants in the meetinin the meeting.

In Canada, the apparent danger is merely that the deficit might not be eliminated by 2014 - 15, as planned, but a year or two later, according to RBC Financial Group chief economist Craig Wright.

«Financial planners who are serious about their craft should not miss this chance to connect with the brightest planning minds in the country,» said Ted Sarenski, CPA / PFS, chair of the 2018 PFP Conference Planning Coplanning minds in the country,» said Ted Sarenski, CPA / PFS, chair of the 2018 PFP Conference Planning CoPlanning Committee.

After seeking the guidance of a qualified attorney who is knowledgeable about relevant state laws to dividing assets, you can secure a comfortable retirement nest egg by working with a divorce financial planner to assess your retirement planning options and build a sound foundation for your late - in - life finances.

In particular, the information provided in this press release may contain certain forward - looking statements with respect to the financial condition, results of operations and business of Centene and certain plans and objectives of Centene with respect thereto, including but not limited to the expected benefits of the acquisition of Health Net, Inc. («Health Net Acquisition»), New York State Catholic Health Plan, Inc., d / b / a Fidelis Care New York («Fidelis Care»)(«Proposed Fidelis Acquisition») or MHM Services, Inc. (the «Proposed MHM Acquisition»In particular, the information provided in this press release may contain certain forward - looking statements with respect to the financial condition, results of operations and business of Centene and certain plans and objectives of Centene with respect thereto, including but not limited to the expected benefits of the acquisition of Health Net, Inc. («Health Net Acquisition»), New York State Catholic Health Plan, Inc., d / b / a Fidelis Care New York («Fidelis Care»)(«Proposed Fidelis Acquisition») or MHM Services, Inc. (the «Proposed MHM Acquisition»in this press release may contain certain forward - looking statements with respect to the financial condition, results of operations and business of Centene and certain plans and objectives of Centene with respect thereto, including but not limited to the expected benefits of the acquisition of Health Net, Inc. («Health Net Acquisition»), New York State Catholic Health Plan, Inc., d / b / a Fidelis Care New York («Fidelis Care»)(«Proposed Fidelis Acquisition») or MHM Services, Inc. (the «Proposed MHM Acquisition»).

Principal Financial executives made clear last week that the company would not accept any fiduciary obligation in connection with distributors in the independent channel as the company doesn't sell its retirement plans or retirement plan advice on a direct basis.

Business Ideas for the Reluctant Entrepreneur - This article is intended to help the «reluctant entrepreneur» - those who were not planning on, or dreaming of starting a business, but suddenly find themselves in a financial or other position that requires them to find an alternative means of income or supplemental income.

The banks also would be excused from submitting plans called «living wills» that spell out how a bank would sell off assets or be liquidated in the event of failure so that it wouldn't create chaos in the financial system.

Help is available: Many people would benefit from working with a financial advisor to develop a plan to save for retirement; however, that option isn't in the budget of many millennials.

If you're not interested in the financial planning session, you can just turn them down.

Vanguard, the mutual fund company, recently published a free retirement planning guide for folks like me who aren't interested in hiring a professional financial advisor.

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Financial advisers continue to find succession planning difficult, with 73 % not having a written plan in place, according to a new study by the Financial Planning Association and Janus Henderson Inplanning difficult, with 73 % not having a written plan in place, according to a new study by the Financial Planning Association and Janus Henderson InPlanning Association and Janus Henderson Investors.

While the remarks didn't disclose much about its plans for cryptocurrencies going forward, they come as part of a widened effort taken by the agency in scrutinizing related projects that may undermine financial health in China.