Sentences with phrase «pension costs needs»

The authors make several recommendations: First, the relationship between late - career salary raises and pension costs needs to be clearly communicated before district leaders make salary decisions.

A. First, to address the increasing pension costs I need to clarify that the state determines a rate each year that is assessed to municipalities and school districts to deposit into the pension fund.

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.

thanks, and yes, a pittance of a pension and regular checkups keep us on budget and head off any problems — best decision i ever made (financial or otherwise) was serving our country doing search - and - rescue, oil and chemical spill remediation, etc. (you can guess the branch of service)-- along the way, frugal living, along with dollar - cost averaging, asset allocation, and diversification allowed us to retire early — Vanguard has been very good over the years, despite the Dot Bomb, 2002, and the recession (where we actually came out better with a modest but bargain retirement home purchase)... it's not easy building additional «legs» on a retirement platform, but now that we're here, cash, real estate, investments and insurance products, along with a small pension all help to avoid any real dependence on social security (we won't even need it at full retirement age)-- however, like nearly everybody, we're headed for Medicare in several years, albeit with a nice supplemental and pharmacy benefits — but our main concern is staying fit, active, and healthy!

Since the largest share of operating costs relate to employee compensation (wages, salaries, pensions, sickness benefits, etc.), there will need to be major structural reforms in this area.

«Some organizations are looking at their group RRSP plans or registered pension plans to see if they need to make up for the increased costs through capturing savings in another area.»

- retirement savings and income - Pre-59 1/2 72t Calculations (avoiding penalty tax)- college savings and 529 plan illustrations - college cost and tuition data - Coverdell education savings - risk profile questionnaires and quizes - model portfolio illustrations - asset allocation and portfolio optimization - portfolio management and value tracking - 401 (k) retirement savings - Cost of waiting to save - Effect of Taxes and Inflation - Estate Tax Estimator - Finding Money for your savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth 401k - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calculatcost and tuition data - Coverdell education savings - risk profile questionnaires and quizes - model portfolio illustrations - asset allocation and portfolio optimization - portfolio management and value tracking - 401 (k) retirement savings - Cost of waiting to save - Effect of Taxes and Inflation - Estate Tax Estimator - Finding Money for your savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth 401k - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calculatCost of waiting to save - Effect of Taxes and Inflation - Estate Tax Estimator - Finding Money for your savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth 401k - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calculations

- retirement savings and income - Pre-59 1/2 72t Calculations (avoiding penalty tax)- college savings and 529 plan illustrations - college cost and tuition data - Coverdell education savings - risk profile questionnaires and quizes - model portfolio illustrations - asset allocation and portfolio optimization - portfolio management and value tracking - 401 (k) retirement savings - Cost of waiting to save - Effect of Taxes and Inflation - Estate Tax Estimator - Finding Money for your savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calculatcost and tuition data - Coverdell education savings - risk profile questionnaires and quizes - model portfolio illustrations - asset allocation and portfolio optimization - portfolio management and value tracking - 401 (k) retirement savings - Cost of waiting to save - Effect of Taxes and Inflation - Estate Tax Estimator - Finding Money for your savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calculatCost of waiting to save - Effect of Taxes and Inflation - Estate Tax Estimator - Finding Money for your savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calculations

Cabinet Office minister Francis Maude struggled when under forensic examination on the Today programme this morning, when he was seemingly unable to answer why public sector pension reform was needed when its cost as a share of GDP was set to fall.

My goal as County Legislator is to make a difference in the long - term financial sustainability of our community, by bringing an independent voice to our County Legislature to stop reckless spending while lobbying our State for needed reduction in healthcare cost, pension reform and mandate relief».

The Educational Conference Board, a coalition of school boards, teachers unions, and school administrators, say the state's schools need and additional $ 1.5 billion next year just to keep up with rising costs like health insurance premiums and pensions.

I suggest to him, and to the whole House, that a fully fledged veterans administration might go even further, overseeing all military welfare, from widows» pensions to mental health provision, and that it need not cost too much; rather, it would merely tie all military welfare together.»

The Educational Conference Board, a coalition of school boards, teachers unions and school administrators, said the state's schools need an additional $ 1.5 billion next year just to keep up with rising costs like health insurance premiums and pensions.

«The governor's plan to reign in the state's out - of - control pension costs is smart legislation that will provide local businesses the kind of tax relief they need,» said Samuels.

We need repeal of union give - aways like the Triborough Amendment which rigs union contracts and benefits, repeal of the Wicks Law which raises public construction costs, reform of binding arbitration rules affecting police and fire contracts, and movement toward defined contribution pension plans for public employees.»

An outside review of New York's $ 178 billion pension fund for public workers shows it has been managed responsibly for the past three years but needs more staff and higher pay to continue the quality performance and cut costs for outside advisers.

Cuomo has sought reforms to Medicaid spending as well as pension costs, but local government leaders have said the adjustments need to go further at the state level.

«This reflects the dire fiscal circumstances the city faces, the devastating impact of increasing pension costs and the desperate need for aggressive reforms,» said Marc La Vorgna, a mayoral spokesman.

I think we need fewer state workers and the cost of funding those pensions is no longer affordable.

The state's Business Council took the middle road, saying they are pleased that Cuomo is focusing on reducing property taxes, but that it's just «one step» and that more needs to be done to reduce workers» compensation, pension and other costs.

«These are huge funds that provide for the retirement of millions of New Yorkers,» Lawsky said in his letter, adding that difficulties in Detroit, which has declared bankruptcy in part due to its pension costs, «serve as a stern wake - up call» regarding the need for oversight.

Executive Director Peter Baynes, in a statement, says local governments need help coping with unfunded state mandates, rising pension costs, and declining state aid.

The Educational Conference Board, a coalition of school boards, teachers unions, and school administrators, say the state's schools need an additional $ 1.5 billion next year just to keep up with rising costs like health insurance premiums and pensions.

He contrasted the mayor's desire to let the millionaire's tax sunset this year — which he said would blow a $ 5 billion hole in the state budget — with the mayor's insistence in his State of the City address that the city needed to be able to reduce pension benefits and lay off «more expensive» senior teachers to cut costs.

While governments generally favor higher birth rates to maintain the workforce and tax base needed to fund pensions, health care and other benefits for the elderly, it is typically families that bear the brunt of the cost of having children, the study found.

They need to find ways to deal with their heavy debt service burdens, pension costs, and under - enrolled schools.

In order to cut costs and recover from the recent recession, New York City recently lengthened the vesting requirement, the time period employees need to stay in order to qualify for even a minimum pension, from five years to ten.

That said, a major pensions and investment company's retirement calculator estimates you need a pot of # 340,000 for a «basic cost of living» of # 12,399 p / a.

To cover these costs in the future, states and cities will need to make trade - offs between pension costs and spending on other priorities.

«Schools urgently need extra funding to meet the additional costs Government has put on them through increased National Insurance and pension payments.

Within pension systems, there are two types of contributions: the cost needed to provide benefits (called the normal cost) and the cost of paying down debt (amortization costs).

The normal cost is the amount of money a pension plan projects it needs to contribute now to pay benefits in future years.

He also recognizes the financial elephant in the room, rapidly rising pension costs that are draining school district coffers as they've just received badly needed funding increases from Sacramento.

Annual staff pay rises, increases in national insurance and pension contributions, the introduction of the national living wage and apprenticeship levy, and new qualifications that needed new resources, had also increased costs, said the letter.

Atlanta Public Schools Chief Financial Officer Lisa Bracken said the school district has higher costs for several reasons: The expense of city living drives up teacher pay; the district has «low population» schools that lack economies of scale but are kept open «due to urban traffic constraints and community needs;» many students need extra services because they have learning problems or disabilities, don't speak English fluently or come from poverty; and the district has a large unfunded pension liability with growing obligations.

Within pension systems, there are two types of contributions: the cost needed to provide benefits (called the «normal cost») and the cost of paying down debt (called «amortization costs»).

Pension plans need to estimate how many people will remain in the pension plan and for how long in order to estimate how much future benefits wilPension plans need to estimate how many people will remain in the pension plan and for how long in order to estimate how much future benefits wilpension plan and for how long in order to estimate how much future benefits will cost.

When deciding whether to take a pension buy - back you need to factor in: the opportunity cost of the buy - back, life expectancy and the difference between a full and partial pension.

Even in retirement you can not spend all your pension income because some of it needs to be reinvested to compensate for the erosion from inflation, and to cover unexpected medical costs.

How many states have their budgets balanced on an accrual basis, taking into account the need to spread out the cost of infrastructure projects, and pensions funded assuming a realistic 5 % earnings assumption on assets, together with fully funded accrual accounts?

With potential cost implications from areas such as the government's new Apprenticeship Levy, pension Auto Enrolment, the National Living Wage and business rate assessments, firms will need to maintain control of expenditure if profitability is to be increased.

By that logic, fewer judges would be needed to deal with more cases, reducing the cost of judicial salaries and pensions and the court estate.

As a result, no employer knows exactly the cost of the pension scheme, and how much money they will need to put in.

If increasing state pension age is just about cost saving, then the government should acknowledge this — as things stand, this ignores the wider conversation that needs to be had around different ways to manage the implications of people living longer, and guaranteeing that the jobs market and social infrastructure is in place to ensure that people in old age get adequate support.

Opperman pointed out that the cost - saving benefits of pension integration would have been passed to members by avoiding the need for additional contributions.

Once you understand how much protection you need, you can get ballpark figures for life insurance rates and compare the cost difference between full pension + life insurance vs. spousal benefit with no life insurance.

For pension maximization to make sense for Todd and his wife, the cost of his life insurance needs to be less than $ 848 per month.

Group Pension and Administrators (Richardson, TX) 2007 — 2010 Medical Data / Reporting Analyst • Implemented tactics to decreased time for generating specialized reports by 50 % on clinical financial research • Researched case studies needing Benefit Modelers and benchmark resulting in efficient aid in negotiations and cost analysis • Analyzed / interpreted data, problem solved, and communicated solutions for a variety of issues across multiple departments • Provided multiple solutions for cost drivers using medical related software showing cause and effect relationships

Complex cases with several special issues, such as multiple pieces of real estate, businesses, retirement and pension transfers, lump sum or periodic alimony, extensive debt, tax liability, college or special need expenses, as well as others, may cost more.