Sentences with phrase «spending future income»

The problem is most Americans don't comprehend that each time they charge on a credit card and carry the balance they are spending their future income.

To help students make decisions about using credit, borrowing is explained as spending future income.

Not exact matches

The bill's main objective — capping future government spending on healthcare at rates that won't gobble up a bigger and bigger share of national income, as well as leaving more resources for investment and entrepreneurship — is exactly what government needs to do.

With Asia's middle class growing, there are more people with disposable income to spend on flying, says Airbus» COO, John Leahy when discussing concerns over China's slowdown and future orders.

Household income and spending growth expectations remained essentially unchanged, as did past and future credit access perceptions.

Debt leveraging is depicted as the easiest and even the surest way to accumulate wealth — going into debt to buy assets whose prices are being inflated on credit, or to spend in the hope of paying out of rising and more easily earned future income.

And the NDP's hints about raising the corporate income tax are unlikely to be enough to offset future austerity, much less finance any new spending that they have in mind.

The equities will provide our portfolio (and thus our future spending opportunities) with growth and the bonds will both provide today's retirement income and serve as a buffer from the volatile returns of a long - term growth portfolio.

When planning for the future, it's worth considering the following possible public policy risks that could affect your clients» ability to save for retirement and the money they have available to spend in retirement: Will income tax rates rise with current government deficit spending?

A lot of money is being spent on research and acquisitions in tech stocks, but companies and analysts commonly leave these costs out, saying that these expenditures will produce more income in the future.

Furthermore, demographic changes have augmented the number of younger households, which borrow against future earnings as they begin to establish families and careers, as well as the share of retired households, which spend beyond their current incomes by gradually reducing savings and selling assets.

When you spend time with the Wies, talking with them about their future and how they might still shape or avert or even avoid the incoming waves of pressure and responsibility, you get the sense that they are still a little naive about exactly what awaits them.

Put your sixty percent of income to your household expenditures, save ten percent of your income for the future of your child (for study purposes, etc), twenty percent of the income for long term savings like retirement plans, etc, and ten percent you can spend on anything that you need.

Conservative enemies of development spending could unite to block a bid to force future governments to spend 0.7 % of gross national income (GNI) on aid.

In a report issued today focusing on the recession's impact on the budgets of New York and New Jersey, the Fed branch also recommended the states create «rainy day» funds to protect against future revenue gaps, plan in advance for spending cuts and reduce reliance on personal income taxes, which are affected by changes in the economy.

The pupil premium, introduced «to make sure we are fair to children from low income backgrounds», will be protected in real terms «so every poor child will have more cash spent on their future than ever before».

In 2014, parents of students at Horace Mann Elementary School in Northwest Washington, D.C., spent over $ 470,000 of their own money to support the school's programs.1 With just under 290 students enrolled for the 2013 - 14 school year, this means that, in addition to public funding, Horace Mann spent about an extra $ 1,600 for each student.2 Those dollars — equivalent to 9 percent of the District of Columbia's average per - pupil spending3 — paid for new art and music teachers and classroom aides to allow for small group instruction.4 During the same school year, the parent - teacher association, or PTA, raised another $ 100,000 in parent donations and collected over $ 200,000 in membership dues, which it used for similar initiatives in future years.5 Not surprisingly, Horace Mann is one of the most affluent schools in the city, with only 6 percent of students coming from low - income families.6

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the effect of the proposed separation of NOOK Media, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, including store closings, higher - than - anticipated or increasing costs, including with respect to store closings, relocation, occupancy (including in connection with lease renewals) and labor costs, the effects of competition, the risk of insufficient access to financing to implement future business initiatives, risks associated with data privacy and information security, risks associated with Barnes & Noble's supply chain, including possible delays and disruptions and increases in shipping rates, various risks associated with the digital business, including the possible loss of customers, declines in digital content sales, risks and costs associated with ongoing efforts to rationalize the digital business and the digital business not being able to perform its obligations under the Samsung commercial agreement and the consequences thereof, the risk that financial and operational forecasts and projections are not achieved, the performance of Barnes & Noble's initiatives including but not limited to its new store concept and e-commerce initiatives, unanticipated adverse litigation results or effects, potential infringement of Barnes & Noble's intellectual property by third parties or by Barnes & Noble of the intellectual property of third parties, and other factors, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 30, 2016, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

In setting your initial withdrawal rate, you'll also want to consider how much of your expenses you can cover from Social Security and any pensions, what other resources you have to draw on (home equity, income from an annuity, cash value life insurance, income from a part - time job) and how much of your retirement spending goes to essential expenses that you would have a hard time trimming vs. discretionary items that leave you with a lot more leeway cutting back should you need to in the future.

But reducing or eliminating your balances will increase your long - term saving power, because you'll spend less of your future income on interest payments.

He rationalized that the extent to which investment accounts, especially retirement accounts, are earmarked as future income, investors may not view the cash held within them as being available for current spending needs.

But if you're confident that you can handle your spending needs with Social Security and draws from your retirement accounts but you want some extra assurance that you'll have sufficient income later in life — or you feel that income guaranteed to kick in in the future will give you more flexibility about your spending early 0n — then devoting a small portion of your assets to a longevity annuity is probably the better way to go.

To them, money spent on earning income is deductible, but money spent on ultimately saving money by arranging financial affairs or doing financial planning for the future is not.

Income from at - risk financial assets could enhance their spending and provide funds for their many children and grandchildren now or in the future.

Spending your entire income on things and services could insure you a luxurious lifestyle for now but at the same time, it is also putting you at a risky position in future.

The equities will provide our portfolio (and thus our future spending opportunities) with growth and the bonds will both provide today's retirement income and serve as a buffer from the volatile returns of a long - term growth portfolio.

Over time you may just find that the key to living well on a variable income is to spend sparingly in times of plenty and save as much as possible for future dry spells.

This optimistic outlook prompted the BoC to state that gains in income from lower gasolines prices will be beneficial to consumer and to Canada's economy — with the income gains being used to either «boost current spending or to repay debt or increase savings, thus improving consumers» ability to spend in future years.»

The key to making passive income work for you is to resist the temptation to rely on * future * passive income earnings to shore up any deficits one has in spending.

The bottom line is that your debt to income ratio could clue you into the fact that you're spending too much on debt, and not enough on your future.

The certainty of guaranteed future income can completely change your approach to investing, withdrawing, and spending.

You can make reasonable estimates about future income — both gross income and net of expenses — to set spending and savings targets.

You're still spending short term and reducing short term net income in favour of future income though, and there's never any guarantee a property will appreciate of course for that matter, but it's perhaps something that should be mentioned as part of a complete answer.

«If this foreign money is spent with an investment thesis that has little to do with rental income or future appreciation then these investors don't care if they purchase a $ 1 million property in Vancouver or five properties in St. John's, Newfoundland worth $ 1 million.

That might mean looking for income streams that are indexed to inflation, seeking capital gains by investing perhaps half of your portfolio in stocks, and possibly setting aside a portion of each year's investment income to spend in future years.

Starting with rates as low as 5.25 percent, Earnest bases its credit decisions on so much more than credit score, taking into account other factors such as current income and future earning potential, as well as your education and saving / spending habits.

You can see what your spending will look like in future dollar terms, which is an important consideration when deciding how large of an income annuity to purchase

You'll spend a large portion of your income on housing, and, in the end, less than 5 percent of your income will be saved for the future.

By targeting a location that would allow us to spend less than our dividend income, we could retire as early as possible while allowing for substantial future growth opportunity based solely on future dividend growth.

As a Retirement Income Specialist, I have spent the past 10 years helping those transitioning from their savings years to their spending years to discover the secrets of how to optimize their future income streams, while minimizing the amount of taxes theIncome Specialist, I have spent the past 10 years helping those transitioning from their savings years to their spending years to discover the secrets of how to optimize their future income streams, while minimizing the amount of taxes theincome streams, while minimizing the amount of taxes they pay.

Debt, and spending money beyond income based on future earnings growth and past and future asset appreciation (houses and stocks).

For many companies, spending the time to understand future cash flows from new business can lead to a portfolio structure that improves investment income and provides liquidity for operational needs.

• This personal budget software gives you total control over forecasting incomes and expenses into the future, so you can nail down how much you'll be spending during retirement.

Projecting future income requirements begins by taking a look at current spending.

Base broadening could include all forms of income, such as wages and «anything that allows you to spend more, either now or in the future» (President's Advisory Panel 2005).

The results come in three different graphs showing your held assets, future income, and retirement spending.

It's that design decision by Polyphony that's helped make even the hit / miss Gran Turismo 5 one of my favourite racing games available on consoles (and I hope it's a point mentioned in the upcoming documentary «Kaz» if Polyphony CEO Kazunori Yamuchi was directly or partly responsible for that feature being associated with his legendary gaming series), and I hope it'll also allow me to equally love Forza Motorsport 5 should I ever have enough disposable income going spare in the near future to justify spending almost # 500 collectively on the game and the console it operates on.

But when you compare the amount of free solar energy falling on our heads every day against the increasingly scarce oil reserves created hundreds of millions of years ago, the economics become clear: We're letting untapped income go to waste, while we spend money digging up our savings and using it to destroy our home and our future.