Sentences with phrase «years of spending needs»

Your «Second Bucket» should cover several additional years of spending needs and be filled with liquid fixed income investments (CD's, Bond Ladders).

(2) U.S. financial expert Harold Evensky's version of the bucket strategy calls for maintaining two years worth of spending needs in a highly liquid «cash flow reserve account» and at least three years of spending needs in high - quality short - term bonds.

Not exact matches

Local Motion has spent the last few years (initially out of Lemnos Labs, the hardware incubator) developing a small module — a box — that essentially eliminates the need for keys in fleets of cars.

As part of the deal, which still needs approval from Congress, Saudi Arabia «expressed its intent» to spend $ 28 billion on defense technologies and programs by Lockheed Martin, which estimated the deal would support 18,000 jobs in the U.S. over 30 years — a figure that falls dramatically below Trump's estimate.

According to RBC Capital Markets, OPEC's producers need oil even higher — at an average of $ 88 a barrel — to balance their public spending this year, Bloomberg Gadfly's Liam Denning writes.

To become a lawyer, you need to complete a bachelor's degree, take the LSAT (Law School Admission Test), go to law school, and finally, pass your province's Bar exam and spend a year articling (training under the supervision of a lawyer).

«My best piece of advice for the quickest way to get rich is to not spend any of your money, and then you'll have more than you need,» billionaire venture capitalist Chris Sacca told Entrepreneur earlier this year.

Due to the economic downturn of the last few years, many businesses still need to think twice about spending more money than they have to.

What we've spent a lot of time focusing on in the last year is making sure that we're able to deliver that technology in a way that is super-customer-friendly and that is supported at a level they feel like they need, and that's from both a sales and account coverage standpoint.

«This is a brand new way for people to contribute and give back in a way that's actually needed the most,» says Joe Gebbia, Airbnb's cofounder and chief product officer who has spent much of his time in the past few years leading the initiative.

But the first lesson of business school is to tap into your natural network, and veterans, who have often spent years overseas cut off from regular society, often don't have the contacts they need to make the transition into civilian business.

Having spent years in the corporate world, Whites and Rincon recognized a need for an updated, more advanced and attractive version of the 1990s» messy, inefficient whiteboards.

Analysts say some of the rebound is a result of what happened last year, when large numbers of advertisers put less into the upfront market and kept more of their spending for what is called the short - term «scatter» market, where ads are bought on an as - needed basis.

Jack Raudenbush, vice president of the $ 4.6 million company, which is based in Middletown, Pennsylvania, estimates that the change costs a few thousand dollars per year but calls it money well spent: «This was the type of plan our competitors had, and we needed to offer competitive benefits.»

The team spent a lot of time engaging with their customers to find out which sizes were most needed and will be launching a broader range later in the year.

They cite the needs of the aging baby - boomer market — a megapopulation of educated women now entering their peak years of earning and spending.

So, if you figure you're going to need $ 50,000 to pay for her first year of college in 2008, then you'd need to spend about $ 19,050 today to buy a bond to cover that.

To get a rough idea of how much you'll be spending each year in retirement, you can start by calculating what percentage of your working income you'll need to replace.

To start with, you need a rough idea of how much you'll spend each year in retirement.

The budget process begins and ends with a detailed and organized system that projects annual spending in various categories and then uses these spending amounts to determine the amount of revenue needed to pay for the spending, leaving enough at the end of the year for a profit.

As a rough way to adjust for early retirement, add your annual spending requirement for every year you retire early on top of the amount you would need for retiring at age 65.

Now that T - Mobile has spent two years disrupting the wireless industry, executives are thinking the pay - TV market may also be in need of a shake - up.

Another way to look at it is that you need to save 25x your annual spending for your first year of retirement.

«We have to establish an overseas branch, hire workers there, spend a huge amount of money for all the paperwork needed, and often have to fly there to take care of things, making it just so inconvenient,» said Lee Eun - sol, 33 - year - old co-founder of Medibloc.

As you approach retirement you'll have a much better grasp of how much you spend on an annual basis and what your wants, needs, and desires will be in your retirement years.

Overall, this budget adds new details about how Ottawa will spend some of the $ 93 billion in new money the Liberals had already set out for infrastructure — $ 11.2 billion will go to affordable housing over the next 11 years, less than the $ 12.6 billion over eight years the Federation of Canadian Municipalities says was needed.

Before joining Thundelarra in April 2012, he spent 29 years working in both the equities markets as a mining research analyst specialising in the exploration and early producer segment; and also in the debt markets as a project financier and as a corporate banker servicing the financing, hedging and day - to - day transactional banking needs of Australian resource companies of all sizes.

If we use the FIRE community - preferred method of saving 25 times annual spending and plan to withdraw 4 % a year from the portfolio, then they'd only need approximately $ 1.4 million ($ 55,000 of annual living expenses x 25), in income - producing assets.

Mr. Salem periodically asks trustees and investment officers of these charities to imagine they can swap all their assets in exchange for a contract that guarantees them a risk - free return for the next 50 years, while also satisfying their current spending needs.

The United States Government spends billions of dollars every year awarding different types of contracts to meet the needs of the US military and other government...

What may be missing is the dramatic and increasing portion of income that will be needed for health - care costs for each year spent in retirement, which are currently projected to increase at over 5 % annually.

Based on my experience in the manufacturing industry, I would bet the people who don't think they needed financing are the same ones that went out and spent a significant chunk of their working capital on a new machine, figuring they would save themselves the interest, and then the following year they were part of the 49 per cent of respondents who said they needed to borrow money for working capital.

Given the increase in hourly wages and the labor income proxy, households may need to pull back on spending in the first three months of the year, which increases the risk of a noticeable negative inventory adjustment in the first quarter.

In recent years, oil and gas majors like Chevron and Royal Dutch Shell have invested billions of dollars into LNG projects in countries like Australia and Qatar, while further vast sums have been spent on plants that turn LNG back into gas in consuming countries, all in the belief the world's need for the fuel would rise rapidly — especially as countries, particularly in Asia, sought to move away from more polluting -LSB-...]

If I needed one I'd probably spend a fixed fee every few years for a evaluation of my situation rather then a retainer version.

She was actually named after yeast FUNGUS and a plant; Again, I need to do more research, but in order to take a article seriously, you need to address the source first This woman, as educated as she MAY be, (having a degree, and knowing how to use it are two different things) spent her earliest, most developmentally crucial years under the direction of at least one parent who thought NOTHING of saddling their kid with this name.

A man spends years and years listening, and praising, the words of a racist extremist, then when he needs votes, he does a 180, and you call it evolving?

As part of my work over the last four years, I've spent a significant amount of time reading books in the Christian «marriage advice» genre: Real Marriage, His Needs, Her Needs, Love & Respect.

I concluded at the time of the riots that of all the things the government now needed to do, it was the married family which most urgently needed to be rebuilt: I was and remain as certain of that as anything I have ever written, and I have been saying it repeatedly for over 20 years: I was saying it, for instance, when I was attacking (in The Mail and also The Telegraph), as it went through the Commons, the parliamentary bill which became that disastrous piece of (Tory) legislation called the Children Act 1989, which abolished parental rights (substituting for them the much weaker «parental responsibility»), which encouraged parents not to spend too much time with their children, which even, preposterously, gave children the right to take legal action against theirparents for attempting to discipline them, which made it «unlawful for a parent or carer to smack their child, except where this amounts to «reasonable punishment»;» and which specified that «Whether a «smack» amounts to reasonable punishment will depend on the circumstances of each case taking into consideration factors like the age of the child and the nature of the smack.»

It is striking that virtually everyone who has spent all the years needed to attain these qualifications is convinced that Jesus of Nazareth was a real historical figure.

Except the government spends upwards of $ 668 billion a year on 126 different welfare programs — and that doesn't meet all the country's need.

I do not need the government or media to tell me how to live my life, I spent over ten years in the active military I joined when it was an honor to serve and as soldiers we did not have to follow bureaucratic system of rules that are in place now we had something the liberals will never have honor and morality.

We have proposed in this year's national budget to spend billions of dollars on weapons and arms to destroy bodies; yet those in need of physical healing go begging for handouts.

My church has a benevolence program that spends over $ 100,000 a year feeding 800 families a month as well as helping pay mortgage payments, rent payments and a multitude of other needs.

I am not lessened by those that do not believe what i believe, i served this country and spent a year in Iraq, many of my fellow soldiers were Christian but i served beside Atheists, mormons, Catholics, wiccans, Jews, even a satanist, yes a satanist, and guess what, we were friends, I cared deeply for them and they for me, These were the guys that protected me so i could sleep, my life was in their hands and theirs in mine... I think you all have a very bad idea of what a Christian is, i think you have no idea what you're talking about when you judge us all as a religion... you need to get out of your house and off of your computer chair and learn what people are really about... Maybe then you will understand Humanity rather than just secularizing everybody and hating them... you are sad people, yet my beliefs teach me to pray for you, and hope that you come to reason...

I've spent a couple of days thinking about the answer and realized that this year I learned the importance of taking care of myself and putting my needs first.

Let's use this milestone as an excuse to take an afternoon coffee and cake break (like I need an excuse...) and spend a moment looking back on some of the best recipes and my favorite posts of the year.

«I spent almost five years in search of a product to meet our needs before encountering Biosphere at a trade show last year and learned more about the patented process,» Clawson says.

The company has spent the past three years building new theaters, upgrading its current facilities and retooling its presentation package to suit the changing needs of patrons in the 21st century.

I plan to someday have enough access to fish to be able to make more of his recipes but since it's a Seattle cookbook and we have spent the last 9 years living in landlocked states I haven't been to get a lot of the seafood needed for those recipes but all the other ones are amazing so I have no doubt we will love the seafood recipes.