Sentences with phrase «by the cash value»

An important factor when using life insurance for cash accumulation concerns the ability to take policy loans, secured by the cash value, without actually withdrawing the cash.

By cash value life insurance, I am referring to whole life insurance from a mutual company that accrues high cash value due to paid up additions and pays dividends.

If your intention is to build up cash savings to protect your loved ones in case something happens to you, the death benefit protection offered by cash value life insurance will typically provide them with a greater amount than the cash value of your account.

The policy will still pay out a death benefit to your beneficiaries when you die, but over time this death benefit is gradually replaced by the cash value.

Compare that to the potential value they could realize if they just surrendered the policy or took a loan out on the policy (both affected by the cash value of the policy).

Another distinct benefit offered by the cash value accumulation portion is that you can also borrow against it.

The policy will still pay out a death benefit to your beneficiaries when you die, but over time this death benefit is gradually replaced by the cash value.

These two factors make term life insurance considerably more affordable than permanent policies; while term life is the best option for most people, others may benefit from the versatility afforded by the cash value component of permanent policies.

As the premium payments are made into the life insurance policy, the investment income that is generated by the cash value component will not be subject to current income taxation.

During times of hardship for the policy owner, premium payments can be temporarily suspended and the insurance can be paid for by the cash value.

Compare that to the potential value they could realize if they just surrendered the policy or took a loan out on the policy (both affected by the cash value of the policy).

Perhaps you will be able to borrow more from a personal loan since the insurance loan amount will be decided by the cash value of your plan, but then your whole credit score will be put on the line, something that is not touched while taking a loan against your insurance policy.

A vanishing premium option is a feature of participating permanent life insurance policies that allows the policyholder to apply the investment returns earned by the cash value of the policy to the premium fee.

By cash value life insurance, I am referring to whole life insurance from a mutual company that accrues high cash value due to paid up additions and pays dividends.

Surrender value will be calculated by Cash Value minus Surrender charge.

With the no exam whole life option, the death benefit will be available but it will be accompanied by a cash value component which grows over time and is tax - deferred.

AND I can get a loan secured by that cash value at the then current rate of 4.4 %.

Not exact matches

When the Bitcoin price peaked at $ 20,000 in December, the value of Mt. Gox's assets (by then including Bitcoin derivatives such as Bitcoin Cash) ballooned to $ 4.4 billion — nearly 10 times the amount Mt. Gox said it lost in the first place.

The aggregated value of cash only takeovers so far in 2018 has risen by 33 percent year - on - year while the value of deals using cash and stock has risen by 221 percent, as companies look to exploit their buoyant share valuations.

That means weighting stocks in an index by qualities such as earnings, cash flow, dividends and book values rather than the sheer size of their market caps.

The First - Time Donor's Super Credit will increase the value of the existing tax credit by 25 % on cash donations of up to $ 1,000 if neither the taxpayer nor their spouse has claimed the credit since 2007.

It aims to arrive at the fair market price of a company by calculating anticipated future cash flows at the present value.

In return for his super-voting shares, Stronach received US$ 300 million in cash plus common shares worth US$ 563 million (they have since increased in value by 85 %).

That increases the shares outstanding and dilutes the stake of existing shareholders, since shares issued by the company through the exercise of options are not sold in exchange for cash at fair market value but are exercised at a discount.

Such risks, uncertainties and other factors include, without limitation: (1) the effect of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels of end market demand in construction and in both the commercial and defense segments of the aerospace industry, levels of air travel, financial condition of commercial airlines, the impact of weather conditions and natural disasters and the financial condition of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among other things integration of acquired businesses into United Technologies» existing businesses and realization of synergies and opportunities for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the level of other investing activities and uses of cash, including in connection with the proposed acquisition of Rockwell; (7) delays and disruption in delivery of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits of organizational changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and industries; (12) the outcome of legal proceedings, investigations and other contingencies; (13) pension plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of changes in political conditions in the U.S. and other countries in which United Technologies and Rockwell Collins operate, including the effect of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.

«We expect revenue to compound over 20 percent annually to $ 2.4 billion by 2022, at which point Blue Apron will be generating more than $ 150 million of free cash flow — representing more than one - third of the company's current enterprise value,» Trusz wrote.

The Healthcare Reform Law, including The Patient Protection and Affordable Care Act and The Healthcare and Education Reconciliation Act of 2010, could have a material adverse effect on Humana's results of operations, including restricting revenue, enrollment and premium growth in certain products and market segments, restricting the company's ability to expand into new markets, increasing the company's medical and operating costs by, among other things, requiring a minimum benefit ratio on insured products, lowering the company's Medicare payment rates and increasing the company's expenses associated with a non-deductible health insurance industry fee and other assessments; the company's financial position, including the company's ability to maintain the value of its goodwill; and the company's cash flows.

Still, the pricing legerdemain surrounding the Twitter offering could prove an instructive lesson for small - business owners seeking insight on how to value their own businesses — a task usually accomplished by examining free cash flow.

It's a bit involved: you have to take the present value of each of the bond's cash flows, divide each by the total present value of all the cash flows, and then add up all of these individual durations to get the total duration of the bond.

Bankrate on Monday announced it has agreed to be acquired by Red Ventures in an all - cash deal with an enterprise value of about $ 1.4 billion.

Biopharmaceutical company Parexel confirmed Tuesday morning it will be acquired by Pamplona Capital for $ 88.10 per share in cash, in a transaction valued at approximately $ 5 billion.

«While asset monetizations enhance our liquidity, sales of producing natural gas and oil properties adversely affect the amount of cash flow we generate and reduce the amount and value of collateral available to secure our obligations, both of which are exacerbated by low natural gas prices..

Ownership of a patent, proprietary process or trade secret may, by promising exceptional future cash flow, increase the value of a business.

Over the last three months, Apple grew its revenues by 33 %, saw its profits increase by 38 % to $ 10.7 billion, put away more than $ 202 billion in cash for a rainy day — and yet lost more than $ 60 billion in market value in just three minutes on Tuesday.

Employing 43,000 people around the world, including 20,000 in Britain, Carillion has been fighting for survival since July, when it revealed it was losing cash on projects and had written down the value of its contract book by 845 million pounds.

This value, he argued, can be cashed by local governments if dwellers are willing to relocate.

The company's overstated political influence was noted by the New York Times political reporter Ken Vogel, who tweeted on Monday that the company's «BIGGEST SECRET» was that it was «an overpriced service that delivered little value to the TRUMP campaign, & the other campaigns & PACs that retained it» and that most people hired it because it was seen as a «prerequisite» for receiving cash from the Mercer family.

Just 2 percent of the total value of transactions in Sweden consist of cash, and this is expected to decline to less than half a percent by 2020, according to research by Capgemini and BNP Paribas.

«The public funds, at least in Pennsylvania, are structured to enable the bank to make a loan that they might not be able to make without the public debt behind them by enhancing the loan - to - value, reducing the risk to [the bank], and then passing on some benefits [to the borrower] in the form of lower interest rates, which help cash - flow issues.»

Yet by knowing who the customers that generate cash really are, you're able to clarify the value proposition embedded in a strategy and align resources accordingly.

The answer is: «Forbes uses a complex algorithm to rank companies by what it calls an «innovation premium,» which is the difference between market capitalization and a net present value of cash flows from existing businesses.

By keying in a range of values for comparison, the user can determine the best inventory strategies or financing policies to increase a company's cash flow.

Benefits — Each family / real estate investor keeps average $ 600 / mo for 2 yrs, real estate in all major metropolitans will have a traded price, increase buying power of low income high credit citizens, stimulate real estate investment by making it easier for investors to cash flow a rental property, reduce home inventory, the increase home values and liquidity provides incentive to put the $ X trillion in capital currently on the sidelines back to work and mortgage prepayments will increase capital availability.

Echelon is now focusing its growth on «smart» commercial & municipal LED lighting (although its fab-less chip business has apparently now stabilized after a long decline), and if the lighting business accelerates (and it could, due to recent sales force hires and new products), I think there's a chance it can hit a break - even annualized revenue run - rate of $ 40 million by Q4 - 2019 (pushed back from my earlier hoped - for timeline) at which point — assuming $ 14 million of remaining net cash (vs. an estimated $ 18 million at the end of Q2 2018) and 4.7 million shares outstanding (vs 4.52 million today), an enterprise value of 1x revenue on this 53 % gross margin company would put the stock in the mid - $ 11s per share.

ViralNova, a Buzzfeed - like media startup chock full of feel - good stories, was bought this year by digital - media company Zealot Networks in a cash - and - stock deal that could be worth as much as $ 100 million if Zealot appreciates in value.

So now it's 2015, I'm 4 months from graduating college, I'm making 70k as a project manager (been working here for 2 months), putting 10 % of my income into my 401k (currently valued at 10k, & 50 % is matched by my employer, i'm at their max for matching), living at home with my parents, I have 3k in CD's, $ 26k in savings, and have no debt whatsoever (paying $ 8k per year for school in cash, so no student loans).

CBO's measure of before - tax comprehensive income includes all cash income (including non-taxable income not reported on tax returns, such as child support), taxes paid by businesses, [15] employees» contributions to 401 (k) retirement plans, and the estimated value of in - kind income received from various sources (such as food stamps, Medicare and Medicaid, and employer - paid health insurance premiums).

Cash value that's left in your life insurance policy when you die is kept by the insurer.

You might have created that value by slaving 18 hours a day, seven days a week for five years (in which case the value of the sweat equity is $ 8.70 Invested Interests Angels cash equity effort ownership startup sweat equity VCs MORE

For example, my parents who have a very low income also own a primary residence which have a high value (which by the way has negative cash flows and is in dire need of renovation.)