Sentences with phrase «significant than income»

Not exact matches

CFINE chief executive Dave Simmers said: «Over a woman's lifetime, sanitary products cost on average more than # 5,000, a significant sum for those on low - income.

At the meeting in late 2016, executives said Quidsi would also generate significant free cash flow in 2017, which is notable because Amazon CEO Jeff Bezos has long said that he cares more about free cash flow than he does profit margins or profitability metrics such as operating income and net income.

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.

At the same time, there are significant minorities whose incomes are less than 60 per cent of pre-retirement earnings.

The exact size and growth of this workforce is debated, but workers employed under precarious work conditions make up a significant portion of the larger workforce, with estimates that 4 out of every 10 workers are now employed in precarious situations.49 These workers typically face higher income volatility than workers in traditional employment relationships because they spend more time unemployed or underemployed and some have low earnings.50

Certainly, there are significant headwinds that will not abate anytime soon, including an aging population, government austerity, the worst income inequality in nearly a century and more than four million long - term unemployed workers.

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.

According to Bloomberg data, EM debt is offering yields of above 4 %, and despite a strong year - to - date performance (more than 13 %), we see potential for significant income with lowered spread risk, given the diminished expectations of a near - term Fed move.

It has been a challenge for me to find a retirement calculator that takes into account that we have a high savings rate, live on a lot less than our income, will have significant expenses drop off next year, and we have a large passive income investment in rental real estate.

Only a small minority (roughly 15 to 20 per cent) of middle - income Canadians retiring without an employer pension plan have saved anywhere near enough for retirement and the vast majority of these families with annual incomes of $ 50,000 or more will be hard pressed to save enough in their remaining period to retirement (less than 10 years) to avoid significant fall in income.

States tend to allow fewer deductions and credits than the federal government does, but especially in states with state - level Earned Income Tax Credits, eliminating deductions and credits outright (perhaps except for a standard exemption, but even that could be hard to implement) would be a significant change, and potentially a tax hike on poor families.

Successful individuals who have a significant amount of discretionary income can just as easily spend more money than they planned on, and far too many rich people regularly spend all of their earned income each month.

Generally, you'll meet this requirement if your federal student loan debt is higher than your annual discretionary income or represents a significant portion of your annual income.

With consumption growing more quickly than disposable income, there has been a significant fall in the household saving ratio.

«A significant decline in economic activity spread across the economy, lasting more than a few months, normally visible real GDP, real income, employment, industrial production, and wholesale - retail sales.

In addition, the higher debt - to - income limit means that people who already have significant levels of personal debt will find it easier to qualify for a conventional loan than an FHA loan.

This will tend to understate the performance of the taxable account in circumstances where long - term capital gains and qualified dividends, which are currently taxed at lower rates than ordinary income, are a component of investment returns, as is the case for investments with significant equity holdings.

Partly because of these significant gains, consumption has risen faster than household disposable income over this period, and there has been a corresponding fall in the saving ratio.

Luthar found significant psychological problems at the high end of the income spectrum, and in fact in one study she found higher rates of depression and substance abuse in high - income adolescents than low - income adolescents.

In his straddle over the political center, Mr. Cuomo proposes to balance the minimum wage increase with a significant — indeed, almost startling — cut in corporate tax rates for businesses that employ fewer than 100 workers and have a net annual income of less than $ 390,000.

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.

Ordinary residence status is often far more significant than domicile when it comes to detrmining tax status - as domicile status only helps shelter passive income which arises overseas, while not being ordinarily resident allows the person concerned to allocate their income between UK and non UK duties.

The agreement finally reached on the local government pension scheme after the government made significant concessions has rather less to do with official generosity than fear about the consequences if the scheme were so eviscerated that hundreds of thousands of local government workers might decide there was no point in continuing to contribute to it since, if they walked away, they would still get the same amount of money in retirement from means - tested income support.

It said the project would produce $ 115 million in business, and that the state would receive more than $ 1 million in rental income and «significant» revenue from fuel taxes and fees.

The models show that climate change is a less influential driver of global food security than income, population and productivity — but it could still pose a significant risk to the nutrition levels of people living in the world's poorest regions, Baldos said.

People with low incomes and racial / ethnic minority populations experience greater levels of stress than their more affluent, white counterparts, which can lead to significant disparities in both mental and physical health that ultimately affect life expectancy, according to a report from the American Psychological Association.

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.

Some of our CMO schools are beginning to close the achievement gap; their students perform better than affluent students who traditionally outperform low - income students by a significant margin.

We could spend an entire EdNext volume arguing over the CREDO results alone, but I think some things are clear: one, nationally, low - income kids gain faster in charters than in district schools; two, many of CREDO's state and city - specific studies show very strong comparative gains for low - income charter students; and three, the movement as a whole has made significant progress by doing exactly what the model calls for and closing low - performing schools.

The significant changes in Pell Grant take - up rates, eligibility rules, and enrollment patterns over time make the Pell proxy extremely unreliable for tracking changes in low - income student enrollment over more than a few years.

While the Pell proxy could be a more accurate measure of a family's ability to pay for college because it captures more than income information, most of the findings in this analysis point to significant shortcomings in the Pell proxy.

The scale scores of low - income students in DCPS are higher than those of their peers in only Detroit and Cleveland (the two lowest - performing cities across the board), and they saw no statistically significant gains.

Innovate Public Schools» staff bring more than 40 years of professional experience in grassroots community organizing, with significant demonstrated success in building long - term reform efforts led by low - income parent leaders in California.

More than half.That should mean that we could improve the problem by at least half by providing equal access to summer learning opportunities for disadvantaged students — and yet the creation of effective summer learning programs for lower - income students has not been a significant focus of literacy efforts in the U.S. Let's look at some of the latest facts on summer learning loss:

She found that students with high levels of arts participation outperform «arts - poor» students by virtually every measure and that high arts participation makes a more significant difference to students from low - income backgrounds than to high - income students.

There are so many other partners involved that there must be significant income - sharing and dilution, although as many ebooks in Germany are more expensive than in the US and UK there could be more cash to go around.

If the debt - to - income ratio is more than 2, the borrower will have significant difficult repaying the debt and may be at high risk of default.

Also, you may be able to replace the income from your day job in much less time than 40 hours giving you a significant amount of free time if you don't wish to increase your workload.

If he and his spouse have significant income, e.g. $ 30,000, then he will likely pay more than $ 20,000 in tax.

Mediocre performance and not significant rate rise in sight, and out go investors who need income and returns more than protection.

Medical expenses can grow to become a significant liability for an individual; the IRS allows tax filers to deduct non-reimbursed medical expenses if they are higher than 7.5 percent your annual income.

For those who are interested in the impact of dividend income and capital gains on taxes, which is much more significant, complicated and divergent than I had imagined, I recommend reading Master your retirement: how to fulfill your dreams with peace of mind.

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.»

The short answer: inflation is a significant risk, but you're probably better able to protect against it with other assets in your portfolio than you are with an inflation rider on your income annuity.

• Differences with the private sector: Higher - education faculty members tend to be older, more educated, and have higher incomes than the working population as a whole, and the structural pension plan design differences in the higher - education sector also make a significant contribution to the better retirement outcomes expected by faculty.

This is significant, particularly for those with a modified adjusted gross income (MAGI) greater than $ 100,000 who previously were excluded from many Roth IRA benefits.

This is adding more risk to investor's portfolios than they may realize and may lead to long term problems far more significant than the short term problem of low income today.

Although current estimates are that fewer than 5 % of Medicare recipients are actually affected by the income thresholds, the increases can nonetheless be significant.

Generally, you'll meet this requirement if your federal student loan debt is higher than your annual discretionary income or represents a significant portion of your annual income.

Preferred stocks, which tend to offer greater - than - average dividends and lower - than - average price appreciation, can also be good for retirees as they can generate significant income.