Sentences with phrase «accrual over»

Because the interest accrual over time may significantly reduce cash surrender value, always consider how likely you are to repay the loan when weighing the decision to withdraw from the cash value or to take a loan.

Splash Financial is a smart option for medical residents who are in need of an alternative to paying the full amount due on their federal or private student loan debt, or those who do not want to defer payments and incur interest accrual over time.

A useful lens for understanding the incentives built into these plans is the rate of «pension wealth» accrual over the career cycle.

Pay careful attention to 1) the accruals over time and then 2) take note of the operating cash flows looking for large disparities between earnings and free cash flow.

Not exact matches

It is a well - established fact that, over longer periods of time, companies with lower accruals handily beat companies with higher accruals when measured by total return.

While the monthly payment may be more cost - effective than a standard or graduated repayment plan, borrowers may pay more over the life of the loan in interest accrual.

Borrowers pay more over the life of the loan repayment because of interest accrual in the years when payments are lower.

This helps you lower your daily interest accrual and supports your goal to pay as little as possible over the life of the loan!

She argues that accrual - based appropriations would provide Parliament with a consistent basis for control and approval over voted spending that is the same as the overall government financial plan».

In the budget, capital is expensed on an accrual basis, i.e. capital costs are amortized over its economic life, usually 20 to 30 years.

In the fall of 2010, the Government reached agreements with a number of bargaining agents, representing over 95,000 employees, which included the elimination of the accrual of severance benefits for resignation and retirement.

According to the Auditor General, accrual appropriations would provide Parliament with the same basis and approval over voted spending as the government's overall financial plan and summary financial statements.

These numbers are from the Estimates and are on a cash basis of accounting, whereas in the budget, capital is on an accrual basis of accounting, spreading the costs over the economic life of asset.

The accrual adjustments to date, especially for personal and corporate income tax revenues, are understated, which will result in significant downward adjustments over the balance of the year, especially in the end - of - year accounting period.

The accrual adjustments to date for personal and corporate income tax revenues, could be understated, which will result in significant downward adjustments over the balance of the year, especially in the end - of - year accounting period.

On an accrual basis, the cost of capital is amortized over its serviceable life.

Under accrual accounting, the impact of a capital acquisition is spread out over a long time period.

Under accrual accounting, capital spending is amortized over its useful life, whereas under cash accounting, capital spending is accounted for as required.

Under cash accounting, the cost of capital has a direct hit on the budgetary balance while under accrual accounting, it is spread over a number of years.

And pensions, when finally received, have to be cut back — by changing the accrual rate from final salary to average over working life.

Pension wealth accrual drops off dramatically over the years following, with another sharp spike at age 60 (35 years» experience).

According to that review of the non-profit group's financial statements and accounting records numerous concerns emerged such as: non-disclosure of transactions; failure to maintain required reserves; failure to appropriately apply accrual basis of accounting; insufficient monitoring of cash receipts and deposits process; insufficient documentation for disbursements; a lack of control over journal entries, and lack of adequate training for the accounting staff.

Thankfully each section is broken down with a current loss / gain total and those totals are carried over from previous accruals.

«I usually encourage those who have pensions to have a slight bias towards debt repayment over investing, since the pension accrual amounts to retirement savings.

Borrowers pay more over the life of the loan repayment because of interest accrual in the years when payments are lower.

While the monthly payment may be more cost - effective than a standard or graduated repayment plan, borrowers may pay more over the life of the loan in interest accrual.

Fully Amortized ARM An adjustable rate mortgage (ARM) with a monthly payment that is sufficient to amortize the remaining balance, at the interest accrual rate, over the amortization term.

Setting the P&I payments to the level that will fully amortize the loan's outstanding balance over the remaining term using the fully indexed accrual rate at the recasting point.

The Restructuring accrual relates to payment of vendors for termination of contracts, and here, since little has been paid over the past 6 months, I estimate we might see a 50 % savings as a potential upside, though not necessarily likely.

HOW TO PROTECT YOURSELF: — Make sure that in the quote the debt relief company gives you that it takes into account the accrual of fees and interest over time, and isn't just based on your balances as of today.

An adjustable rate mortgage (ARM) with a monthly payment that is sufficient to amortize the remaining balance, at the interest accrual rate, over the amortization term.

We are facing deficits verging on $ 1 Trillion for the near future, and on an accrual basis, those deficits are over $ 1 Trillion, as we take in more than we pay out on our social insurance programs.

Accrual is the sum money either earned or owed due to an monthly interest rate over months or years.

At the time, sources from Cathay Pacific were reported to have told the China Morning Post that the proposed changes to the frequent flier program would include implementing a revenue - based accrual system fat favours «big spenders and premium cabin travellers over discounted - economy flyers»

Unfortunately most of the good fares are for travel after 1 August 2016 which is when American moves over to a revenue based system for the purposes of mileage accrual so don't expect to earn a bundle of AAdvantage miles on these flights.

Since American Airlines moved over to a revenue based system for mileage accrual most travelers have seen their AAdvantage mileage earnings plummet.

As of 1 August American Airlines has moved over to a revenue based mileage accrual system (more info here) so the number of redeemable AAdvantage Miles accrued is based on the fare — specifically the base fare + airline fees (taxes are not included).

From time to time, British Airways and AGL may offer special promotional rates for Avios points and / or Reward bookings and such accruals and / or bookings will be subject to the terms and conditions as published with each offer and, in the event of a conflict, take precedence over these Terms and Conditions.

There's also changes to the way that the game handles accrual of skill points over longer - term leveling, with a pretty stark divide between free players and VIP members, which is going to further affect players in terms of leveling things up.

In the case of many of the issues I have been harping on over the years (e.g., poverty rate, GDP, entitlement accruals) I have not yet seen anything to indicate one way or the other.

Emphasizing payment of only the base premiums results in a whole life policy with a maximized death benefit and extremely slow accrual of the cash value over the life of the policy.

Most whole life policies have an accrued value of some sort, and as long as you do not make withdrawals, the amount of accrual will continue to go up over time.

A comprehensive knowledge of job accruals, general ledger, balance sheet and fixed assets gathered over a period of six years should prove to be of importance in my further undertakings with your company.

Managed payroll and time and attendance systems for over 1200 employees Enforced established payroll - related policies, procedures and regulations and adherence to company and governmental policies Responded to employee inquiries regarding payroll, benefits and timekeeping Entered new employees in the time reporting and payroll systems Processed rehires, transfers, terminations, garnishments and withholdings Monitored vacation, personal and sick time accrual Processed terminations Worked quickly and efficiently, with minimal oversight, to accomplish assigned duties Created and managed more than 1200 confidential personnel records Ran the bi-weekly payroll process Worked on 401 (k) administration, FMLA and workers» compensation claims and benefits Created new Job Postings Audited job postings for old, pending, on - hold and draft positions Completed all work with a 100 % rate of accuracy.

Billing Specialist / Analyst / Import (1995 — 1999) • Oversaw billing and invoicing, preparing over 500 invoices a month, as well as facilitated imports, shipment clearance, and related customer service functions such as order entry • Address and resolve both customer and sales force inquiries in a timely and accurate manner • Worked closely with the account and sales professionals to ensure customer satisfaction while working on EDI Transactions such as 850 / 856 / UCC128 / 810 and 997 in close contact with the various related departments • Held responsibility for billing analysis by conducting research utilizing 3rd - party reporting systems to resolve billing issues • Monitored the status of accounts receivable and collections on daily basis, collaborating with appropriate departments to research outstanding balances and resolve customer issues as needed • Processed vendor invoices and related travel and expense reports while processing adjustments, credit memos, and invoices • Assisted with balance sheet and travel / expense reports reconciliations with involvement in journal entries and G / L account analysis along with revenue accruals and month - end general ledger closing • Planned and managed sales through various distributor channels and other relevant sales outlets • Monitored, recorded, analyzed and reported on activities, trends, results and recommendations relating to import activities