Sentences with phrase «year income volatility»

In addition to year - to - year income volatility, many self - employed people take numerous deductions on their federal tax returns, too, helping to lower their tax bill but also lowering their income and making it more difficult to qualify for a mortgage.

Not exact matches

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Historically among the most volatile fixed income asset classes (source: Bloomberg), a number of influences have come together in recent years that may further increase the volatility of the high - yield asset class.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

The budget that Connecticut lawmakers passed last year included a so - called volatility cap that requires any income tax revenue received above $ 3.1 billion be set aside for the rainy day fund.

For instance, minimum - volatility funds continue to be popular, but this year's study also showed that the same proportion of institutions (half of them) are investing in dividend / equity - income ETFs.

The asset class will likely be subject to its share of market volatility this year, but for taxable, income seeking investors, don't snub muni bonds.

Each shareholder of Volatility, Commodity or Currency ProShares ETF is directly responsible for reporting his or her pro rata portion of income, gains, losses, deductions or other taxable events in the ETF for the calendar year.

A diversified portfolio made up of low - cost Vanguard and iShares ETFs would only cost them 0.3 % a year or less, and an asset mix including fixed income, equity, REITs and cash will help reduce volatility and boost returns.

Seventy - two percent say mutual funds with objectives such as growth and income, lower volatility and low fees can help people live better in their retirement years.

When researchers for Franklin Templeton's 2017 Retirement Income Strategies and Expectations Survey asked 2,013 adults earlier this year what concerned them more — market volatility or not reaching their long - term retirement investment goals — the respondents were almost equally split: 47 % expressed more apprehension about short - term risks, while 53 % said they were more anxious about not about achieving their long - term goals.

«This arrangement can help American workers avoid the serious risks of market volatility during the years just prior to retirement, while seamlessly creating guaranteed, lifelong income through investments in popular target - date funds or asset - allocation programs,» said Christine Marcks, president, Prudential Retirement, in the release.

With your fixed income, choose bonds or GICs according to your time horizon and your tolerance for volatility, not based on where you think interest rates will be next year.

Building a passive income machine consisting of investments in businesses I like and holding them for the long run regardless market volatility has been extremely rewarding over the past eigh years.

Substituting cheaply priced non-U.S. equities for expensively priced U.S. equities and concentrating fixed income investments in risk - reducing long Treasuries and TIPS, the 10 - year expected real return can be nudged up to 3.8 % with no increase in forecasted volatility.

Even here, and as BMO points out, there will be volatility in fixed - income markets as the Federal Reserve's QE tapering program progresses through the rest of the year.

On a granddad stock like you mentioned dividend paying stock you can generate income no matter what market we're in as these people hold stuff for 40 years anyway by using this method of «rolling down or rolling out to next month» you can see already what im getting at you are capturing volatility and turning it to your benefit.

With the passage of the policy term and increasing of the policyholder's age, the investment will be redistributed gradually every year with money being transferred form the Multi Cap Growth Fund to the Income Fund to protect it from high volatility.

Average revenue per client might be anywhere from $ 1,000 to $ 3,000 per year, depending on the depth of services and the particular implementation needs of the client, leading to a potential gross revenue that averages about $ 300,000 with a «full» 150 clients (albeit with some income volatility given a smaller AUM base and some fluctuating needs for insurance products from year to year).

Incomesurance Guaranteed Money Back plan is a plan which ensures guaranteed income that enables you to attain a peace of mind and be assured about a safe financial future.The plan offers limited premium payment for 7 years and get life cover for 14 years.The plan offers guaranteed annual payouts irrespective of the market volatility.

«The net lease industry has been active for all segments — private buyers, 1031 buyers, family offices, institutions, etc. — due to past year's volatility in the stock market, low interest rate environment, and aging demographic looking for fixed income alternatives,» says Randy Blankstein, president of The Boulder Group.