In our recent paper, «Friends Without Benefits: How States Systematically Shortchange Teachers» Retirement and Threaten Their Retirement Security,» we used pension -
plan assumptions for all 50 states and the District of Columbia to estimate that, in the median state, more than half of all teachers won't qualify for even a minimal pension.
In our recent paper «Friends without Benefits,» we used pension
plan assumptions for all 50 states and the District of Columbia to estimate that more than half of all teachers won't qualify for even a minimal pension.
The June 2011 Budget
planning assumption for nominal GDP is roughly similar to the Parliamentary Budget Officer (BPO) forecast.
Not exact matches
Bogle advises investors to
plan for the future on the
assumption that returns will be much lower than they have been in the past.
Before a business
plan has any validity, some work is required to validate that your technology works, a real market exists and your
assumptions for cost and price are reasonable.
Such risks, uncertainties and other factors include, without limitation: (1) the effect of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels of end market demand in construction and in both the commercial and defense segments of the aerospace industry, levels of air travel, financial condition of commercial airlines, the impact of weather conditions and natural disasters and the financial condition of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among other things integration of acquired businesses into United Technologies» existing businesses and realization of synergies and opportunities
for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the level of other investing activities and uses of cash, including in connection with the proposed acquisition of Rockwell; (7) delays and disruption in delivery of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits of organizational changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and industries; (12) the outcome of legal proceedings, investigations and other contingencies; (13) pension
plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of changes in political conditions in the U.S. and other countries in which United Technologies and Rockwell Collins operate, including the effect of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.
Reward people
for catching changed
assumptions early enough so managers can alter the
plan in response.
Based on a skeletal development
plan, studies commissioned by the promoter, and an array of optimistic
assumptions, the appraiser then projects the development costs and income
for the imagined business.
Awards may be granted under the
Plan in substitution
for or in connection with an
assumption of employee, director and / or consultant stock options, stock appreciation rights, restricted stock or other stock - based awards granted by other entities to persons who are or who will become Employees or Consultants in respect of the Company or one of its Subsidiaries in connection with a
Better yet, look
for management with shady reputations and who constantly tweak the rate of depreciation or pension
plan assumptions to manage reported results.
Nominal GDP — the applicable base
for budgetary revenues - has been revised down by $ 43 billion in 2012 from the June 2011 Budget
planning assumption.
A solid
plan reassures them about the competence of the entrepreneur and provides an objective yardstick
for measuring progress and testing initial
assumptions.
Given the above
assumptions for retirement age,
planning age, wage growth and income replacement targets, the results were successful in 9 out of 10 hypothetical market conditions where the average equity allocation over the investment horizon was more than 50 %
for the hypothetical portfolio.
Further, statements contained in this document and made on such call that are not statements of historical fact, including those that refer to
plans,
assumptions and expectations
for the current fiscal year and future periods, are forward - looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.
The Investment Company Institute told the California state treasurer Thursday to delay further implementation of the state's «secure choice» state - run retirement
plan for private sector workers until further analysis is conducted on «unrealistic or incomplete»
assumptions in a state - sponsored feasibility study.
The average of the private sector forecasts forms the basis
for the economic
assumptions used
for fiscal
planning purposes in the budget and fall update.
For savers, this circumstance could mean that the whole set of
assumptions embodied in retirement income
plans are called into question.
Using your key
assumptions, business model and execution
plan, develop a financial
plan for the business which includes:
Comparing PBO's forecast
for nominal GDP to the Budget 2012
planning assumption, the PBO forecast is slightly lower in the period 2013 to 2015 and virtually identical in the other years.
This news release contains forward - looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 and Canadian securities laws, including statements regarding: BlackBerry's expectations regarding new product initiatives and timing, including the BlackBerry 10 platform; BlackBerry's
plans and expectations regarding new service offerings, and
assumptions regarding its service revenue model; BlackBerry's
plans, strategies and objectives, and the anticipated opportunities and challenges in fiscal 2014; anticipated demand
for, and BlackBerry's
plans and expectations relating to, programs to drive sell - through of the company's BlackBerry 10 smartphones; BlackBerry's expectations regarding financial results
for the second quarter of fiscal 2014; BlackBerry's expectations with respect to the sufficiency of its financial resources; BlackBerry's ongoing efforts to streamline its operations and its expectations relating to the benefits of its Cost Optimization and Resource Efficiency («CORE») program and similar strategies; BlackBerry's
plans and expectations regarding marketing and promotional programs; and BlackBerry's estimates of purchase obligations and other contractual commitments.
With our same - restaurant sales
assumptions, new unit — our new restaurant unit growth
plans and cost expectations, we anticipate that reported diluted net earnings per share growth from continuing operations
for fiscal 2013 will be between 8 % and 12 % compared to our reported diluted net earnings per share from continuing operations of $ 3.58 in fiscal 2012.
This news release contains forward - looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 and Canadian securities laws, including statements regarding: BlackBerry's expectations regarding new product initiatives and timing, including the BlackBerry 10 platform; BlackBerry's
plans and expectations regarding new service offerings, and
assumptions regarding its service revenue model; BlackBerry's
plans, strategies and objectives, and the anticipated opportunities and challenges in fiscal 2014; anticipated demand
for, and BlackBerry's
plans and expectations relating to, programs to drive sell - through of the Company's BlackBerry 7 and 10 smartphones and BlackBerry PlayBook tablets; BlackBerry's expectations regarding financial results
for the second quarter of fiscal 2014; BlackBerry's expectations with respect to the sufficiency of its financial resources; BlackBerry's ongoing efforts to streamline its operations and its expectations relating to the benefits of its Cost Optimization and Resource Efficiency («CORE») program and similar strategies; BlackBerry's
plans and expectations regarding marketing and promotional programs; and BlackBerry's estimates of purchase obligations and other contractual commitments.
Given our same - restaurant
assumptions and new restaurant
plans, we anticipate that the total sales increase
for the year will range from plus 6 % to plus 7 %.
Individuals need to
plan for retirement with different
assumptions about longevity, interest rates and growth.
And given this outlook and where each of our brands is, we built our
plan around the
assumption that blended same - restaurant sales growth
for the 3 large brands will be comparable in 2013 to what it was in 2012.
A new LendEDU survey of Bitcoin investors shows that a vast majority
plan to hold their investment
for over a year, challenging the
assumption that the cryptocurrency is mostly used by short - term investors.
Changing the process will open the debate on the applicable economic
assumptions to use
for budget
planning.
They illustrate how difficult it is to translate the economic
planning assumptions into credible fiscal projections
for budget
planning purposes.
It's hard to make
assumptions for dividends paid in this calendar year if you don't
plan every purchase ahead.
Your goal
for retirement
planning is to fund retirement through your and your spouse's projected longevity with both optimistic and pessimistic
assumptions.
For the income - dependent payment plans, we'll assume that the borrower earns a starting salary of $ 40,000 per year and receives 5 % annual pay increases for the duration of the loan (yes, this is optimistic, but it's the assumption the Department of Education use
For the income - dependent payment
plans, we'll assume that the borrower earns a starting salary of $ 40,000 per year and receives 5 % annual pay increases
for the duration of the loan (yes, this is optimistic, but it's the assumption the Department of Education use
for the duration of the loan (yes, this is optimistic, but it's the
assumption the Department of Education uses).
In the November 2016 Update, he stated that «the government will continue to evaluate risks between now and the time of Budget 2017 to determine the appropriate level of the adjustment
for risk to be used in the Budget 2017
planning assumptions».
Population
planning for «development,» it seems, is easiest to envision under the
assumptions of total technological stasis, absence of social change, and rigid restriction of social choices and alternatives.
Whether you're breastfeeding or chest - feeding, bottle feeding or
planning for something in between, she'll give you goals - based support, without any judgment or
assumptions about your family or your family's needs.
The multi-year tables in New York State's just - released Enacted Budget Financial
Plan for fiscal 2015 make continued use of Governor Andrew Cuomo's new fiscal conjuring device: a lump - sum, below - the - line reduction in future projected spending, based on the
assumption that the governor will «propose, and negotiate with the Legislature to enact budgets that hold State Operating Funds spending growth to 2 percent.»
It also compares those eight historical episodes with the
plans announced by Osborne
for further spending cuts before and after the UK general election scheduled
for 2015, based on the
assumptions (a) that those
plans would be fully implemented as announced and (b) that the OBR forecasts of GDP up to 2017 proved to be broadly correct.
«
For the rest of the year revenue has to grow in excess of 10 percent in order to meet
plan and we just think that's an aggressive
assumption.»
For a second consecutive year, Cuomo also is relying on his 2 percent growth
assumption — as expressed in the magic footnote at the bottom of the financial
plan — to obscure the existence of future budget gaps.
The new report analyzes the Administration's revenue and spending
assumptions for FY 2016 - 2020 and identifies risks and offsets to the financial
plan.
«The Cabinet has been briefed on the
planning assumptions that their departments should use
for the initial phase of the spending review.
Under the
assumptions used in the AAAS analysis, the President's
plan and the congressional budget resolution yield different results
for the key R&D agencies in the outyears.
Begin your personal marketing
plan without
assumptions — then you'll have the best prospects
for creative thinking and strategy development.
The major idea behind scenario
planning is
for USAID to break free of historical over-reliance on the
assumption that there is likely to be only «one future.»
When BP engineers presented
plans for containment caps or other operations, Chu and his team of independent hydrologists and geophysicists would question
assumptions in a bid to force BP to consider the full range of possibilities, rather than simply hoping
for the best.
«
For our
planning assumptions, we're really on track and not concerned about meeting expectations,» she said.
The Royal Society strongly disagrees with the
assumption underlying the ACOST
plans, that one of the reasons
for Britain's economic decline compared to other countries in recent years is a failure of the research council system to deliver what industry needs.
According to Monterola, this means that the conventional
assumptions used in
planning may not apply, and that reliable, high - resolution data are needed to quantify the robustness and accessibility of road structures
for relief efforts.
Within 90 days [due approx January 2011] after the date of enactment of this Act, or upon completion of reference designs
for the Space Launch System and Multi-purpose Crew Vehicle authorized by this Act, whichever occurs first, the Administrator shall provide a detailed report to the appropriate committees of Congress that provides an overall description of the reference vehicle design, the
assumptions, description, data, and analysis of the systems trades and resolution process, justification of trade decisions, the design factors which implement the essential system and vehicle capability requirements established by this Act, the explanation and justification of any deviations from those requirements, the
plan for utilization of existing contracts, civil service and contract workforce, supporting infrastructure utilization and modifications, and procurement strategy to expedite development activities through modification of existing contract vehicles, and the schedule of design and development milestones and related schedules leading to the accomplishment of operational goals established by this Act.
Considering how widespread the lootbox system has become, appearing even in single player games like Middle Earth: Shadow of War and Assassin's Creed: Origins (though in the latter they can only be bought with in - game currency, not real money, and are thus an example of lootboxes done right) and continuing to be popular across multiplayer titles like Overwatch and Rainbow 6: Siege, it's not a far - fetched
assumption that Take - Two was
planning something similar
for Red Dead Online.
Some
assumptions operate to save cognitive space: We
plan for a working LCD projector,
for example, or we assume the copy machine will work.