One covers the actual
cash value of the things you've lost.
Replacement cost makes sure you can go buy a new item of like kind and quality, rather than suffering with something you picked up at a thrift store because you only got the actual
cash value of your things.
The actual
cash value of your things represents their original cost minus a deduction for wear and tear.
Not exact matches
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.
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.
To take just one example
of how political
things got: the highly -
valued cryptocurrency exchange Coinbase saw users flee in response to the company's decision not to host the new currency, bitcoin
cash.
For one
thing, frequent transactions mean market swings could have a bigger impact on you — if you're forced to sell shares whenever you need
cash, even if the
value of your investments has dropped.
Growing the
value of your investment comes down to one
thing:
Cash Flow.
I know Steve (and possibly most investors talk
of keeping
cash on hand for a «potential drop in the mkt and getting great
value buys» sort
of thing), which I agree makes a lot
of sense.
Things that lend themselves to
value stability are production
of free
cash flow, stable margins, and strong balance sheets» C.T Fitzpatrick
As he rises up in the ranks, he starts to question the idea
of whether it's better to make money, give up your friends, and live the good life, or stay true to the
values you believe in and
things you hated before someone started offering you boatloads
of cash.
Now in the process
of lemon law which now jeep wants to try and make
things right after 9 months
of constant complaints.Do your research before buying a used one as fca us llc tries to get you to opt out with taking a new vehicle or giving you
cash settlement and keep the vehicle so it isn't listed as a lemon which then looses a lot
of value at manufacturer expense.
But the
cash value of the policy is one
of the
things that makes it more expensive than term life insurance.
This protection is,
of course, at replacement cost, meaning that you get the coverage you need to replace
things that suffer a loss at retail, rather than the actual
cash value of the property.
To
value commercial investment properties it requires more detailed understandings
of things like
cash flow,
cash on
cash return, net operating income and return on equity.
The first
thing you have to examine when deciding how much you can spend on your new home is how much you are worth, taking into account your income, savings, investments and other holdings such as Individual Retirement Accounts (IRAs) or Keogh plans, the
cash value of your life insurance, pensions or corporate savings plans, and equity in real estate.
Remember that you're inventorying the replacement cost, or retail
value,
of all
of your
things, not the actual
cash value — you want a claim to be paid at replacement cost, right?
I know Steve (and possibly most investors talk
of keeping
cash on hand for a «potential drop in the mkt and getting great
value buys» sort
of thing), which I agree makes a lot
of sense.
In the world
of cash value life insurance, there is an important
thing to understand about your life insurance policy, namely whether it is a «participating» or «non-participating» policy.
When a person dies, their estate may be subject to estate tax if the
value of the
things they own (
cash in the bank, the
value of their property, etc.) totals more than the estate tax exemption amount.
A couple
of my favorite
things to look for in determining quality is growth
of book
value over time (this tells me the company might have some sort
of competitive advantage) and free
cash flow yield (free
cash flow divided by price - I like stock with 10 % FCF yield).
Insolvency is when the amount
of your debt is greater than the amount
of your assets, with assets being
things such as
cash in the bank, or the
value of property you own.
Actual
cash value coverage is largely a
thing of the past, as retail prices for replacement property increase and the savings
of American families decrease rapidly.
One more
thing to note about
cash values... the first few years
of a Whole Life policy yields no return because
of fees and the cost
of insurance and you start to see some positive returns around year 8.
Another
thing that insurance companies try to do with these types
of vehicles is to promote the «
cash value»
of the policy.
In fact, because
things tend to cost more over time, having too much
cash can actually work against you as the
value of your money won't buy as much in the future.
For one
thing the company had a book
value of $ 2.78 per share as
of Sept. 30, 2014, and all
of that is in
CASH (or equivalents, obviously).
This
cash value means you can do
things like borrow against your policy or cancel the policy for part
of the
cash value after a period
of time.
So my watchlists end up providing me with most
of my ideas, and I actually maintain a number
of google spreadsheets, including lists such as buybacks, high ROIC companies, consistent historical free
cash flow, and book
value compounders among other
things.
At the end
of 1999, the company owned call options on 118 million shares and had sold put options on 69 million shares, and amount that equaled billions
of dollars
of notional
value of Dell common stock — real
cash that Dell would have to come up with if
things went bad.
it's one
thing to be aware
of the likelihood
of a market crash or warning signs but do you advocate high
cash or investing in any pockets
of value.
Because the
cash value component
of a life insurance policy is essentially an investment, you can do many
of the same
things you can with a traditional investment vehicle, like withdraw money from it.
I am also saying that when yields are too low, the opportunity costs
of holding gold or
cash are also low, and maybe that will help to preserve
value if
things go wrong.
Investment
of cash in gold is also specifically a hedge against currency inflation; paper money, account balances, and even debt instruments like bonds and CDs can lose real
value over time in a «hot» economy where there's more money than
things to buy with it.
The
thing is that as a shareholder, I prefer either to get some
of the
cash distributed back to me, may be via a special dividend or share - buybacks, or I prefer the
cash to be spent on projects that might multiply in
value.
Investments are
things of value, or assets, that you buy now in the hopes they will be worth more later and / or will provide income in the form
of cash or other valuable items.
The great
thing about the best life insurance companies for building wealth is that they allow you to use the policy's
cash value as collateral and borrow up to 90 %
of the
cash via policy loans, for whatever reason you need it for, anytime you want.
At the time
of writing I couldn't see just what sort
of value customers could get from their miles if they used them for
Cash & Miles purchases but, over the weekend,
things got a lot clearer and the news is anything but good.
As with most
things related to miles & points, the
value of the Hyatt
cash & points awards will vary from person to person and will hinge on what
value the guest assigns to Hyatt points.
I have not heard a lot
of things of Kuwait City being a touristy place, but if you need or want to go there, the
cash price seems to hover around $ 240 and more, which makes it a terrific
value at 20,000 points.
American Express Gift Cards: The Amex gift cards which can be used in lieu
of cash are the worst
value among gift cards and probably the worst
thing you can redeem your Membership Rewards for overall.
The beauty
of miles over points or
cash - back: The great
thing about being able to transfer points into airlines or hotels are the incredible
values you can attain.
The base models offer more
value seeing that customers can spend a smaller amount
of cash for the hardware and then use their extra funds to purchase
things like games, controllers and network subscriptions.
One
of the nice
things working with Fidelity's impaired risk products is they have their graded policy, which is a whole life policy, which builds
cash value.
All
things considered, when you calculate the
cash surrender
value of life insurance, the benefits will usually outweigh the concerns if you have made the proper preparations.
The
thing that makes Minnesota Life's survivor policy unique is with the indexing feature, it has the capability
of building up some very nice
cash value.
Dividends can be used for any number
of things but the typical use is for purchasing paid up additions, which increase the
cash value and death benefit
of the policy.
But here is the
thing, what these financial «experts» fail to tell you is the
cash value in your policy is what keeps your cost
of insurance down.
The amount
of compensation you receive for a claim depends on a few
things, including your deductibles, limits and whether your boater's insurance covers your boat's actual
cash value, replacement cost or agreed upon
value.
Another important
thing to know is that basic homeowner insurance quotes usually give the
cash value coverage
of the contents
of your home, which might not be the best option in the event that you have to replace any items.