Sentences with phrase «cash value of their pension»

In some cases, unscrupulous brokers hold «free lunch» seminars in which they offer reckless advice, like recommending retirees cash out of their 401 (k) planor take a lump - sum payment for the cash value of their pension and use the money to open an IRA through them.

Not exact matches

The prevalence of public pensions in the U.K., which require ongoing cash streams to service their obligations, has helped to create a market culture that values higher yields.

But, Jason said, for the next decade they plan to restrict themselves to just living on the cash flowing from investments and ignore any capital or market increases in the value of properties, pensions, and shares.

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.

«At the heart of next week's reforms will be a new contributory principle that gives women a fairer entitlement to the basic state pension more quickly, while ensuring that we value social contributions equally with cash contributions,» Mr Hutton said.

The key to understanding this is the concept of «pension wealth,» the current dollar value of the expected stream of future benefits, in other words, the cash value of a retiree's annuity.

Pension wealth is the cash value of the expected future stream of pension payments at various points in an educator's Pension wealth is the cash value of the expected future stream of pension payments at various points in an educator's pension payments at various points in an educator's career.

In setting your initial withdrawal rate, you'll also want to consider how much of your expenses you can cover from Social Security and any pensions, what other resources you have to draw on (home equity, income from an annuity, cash value life insurance, income from a part - time job) and how much of your retirement spending goes to essential expenses that you would have a hard time trimming vs. discretionary items that leave you with a lot more leeway cutting back should you need to in the future.

An individual's value to his creditors at time of filing a consumer proposal comprises his assets valued at liquidation (auction) pricing (that may be a garage sale for your furniture and household goods, the wholesale cash buyer for your car, or the pawnbroker for your jewellery) after deducting exemption in prescribed, legislated amount (s) for car, household goods, clothing, tools of the trade, medical aids, home, life insurance, pensions, RRSP, etc., which amounts to little or nothing for the large majority of us, less than our debt in any case.

For many retirees a stock stake in the range of 40 % to 60 % in the initial stage of retirement makes sense, although what's right for you will depend on such factors as your risk tolerance, the size of your nest egg, how much income you need to draw from it and what other resources (a pension, cash value life insurance, whatever) you have to fall back on.

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.

Some advisers suggest counting only the current value of your pension, if you were to cash it out now, but that undervalues its real worth.

So if passive income is going to be an issue you may want to ask your tax expert or financial advisor about the benefits of an Individual Pension Plan (IPP) or cash value insurance.

Once (or should I say if) this pension / labour dispute is put to rest, I'd actually expect a rapid & substantial improvement in shareholder value — this might be a substantial return of capital or a tender offer (to distribute surplus cash), and / or a potential new partnership or even a takeover offer..?!

I will either keep my funds there and defer my annuity until normal retirement age or, I'll cash out the actual value of my pension plan.

Other exceptions include cash (including bank deposits) and the value of pension plans, annuities, RRSPs, RRIFs, retirement compensation arrangements, employee benefit plans and deferred benefit plans.

In Martin - Dye the district judge, it was thought by the Court of Appeal, had treated the pension cash equivalent transfer value (CETV) as cash.

It is important to retain an experienced law firm that has significant expertise with the financial issues involved in Divorce, including property division, the valuation of assets, spousal maintenance (alimony), real estate issues, cash flow schedules, balance sheet preparation, debt division, business valuation, present value calculations for pensions, the analysis of retirement accounts and various tax issues associated with Divorce.

For the individual, there would be an «unauthorised payments charge» of 40 % of the value of the transfer payment, and possibly, further «unauthorised member payment surcharge of a further 15 %», which applies if the member accessed more than 25 % of their pension savings as cash.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for Bajaj Allianz Pension Guarantee and Shriram Cash Back Term.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for MET Pension (Par) and DHFL Pramerica Smart Cash Protect.

Surrender value of Pension (Par) and DHFL Pramerica Smart Cash Protect is the amount of money that will be provided by the insurance company in case you want to surrender the policy before maturity.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for HDFC Life Pension Super Plus and DHFL Pramerica Flexi Cash.

Surrender value of Pension Guarantee and Shriram Cash Back Term is the amount of money that will be provided by the insurance company in case you want to surrender the policy before maturity.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for IndiaFirst Cash Back Plan and Reliance Pension Builder.

Surrender value of IndiaFirst Cash Back Plan and Reliance Pension Builder is the amount of money that will be provided by the insurance company in case you want to surrender the policy before maturity.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for IndiaFirst Cash Back Plan and HDFC Life Personal Pension Plus.

For Pension Plans or Retirement Plans, the vesting date is the Maturity date on which the policy holder can take 1/3 of the Maturity value as a cash lump sum and remaining should be used for purchasing Annuities / policyholder can also use 100 % of maturity value for purchasing Annuities.

The accelerated growth option is the ideal solution for clients who would like to increase their pension income or realize a project with a 10 to 15 - year horizon, as a result of growth in cash surrender values.

Whole life insurance may be even better as it lasts forever and it has cash values which can be used to enhance the pension plan of the stockholder at his or her retirement.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for Reliance Smart Pension Plan and Edelweiss Tokio Cash Income Plan.

Surrender value of Smart Pension Plan and Edelweiss Tokio Cash Income is the amount of money that will be provided by the insurance company in case you want to surrender the policy before maturity.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for Reliance Smart Pension Plan and IndiaFirst Cash Back Plan.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for Shriram Cash Back Term and Edelweiss Tokio Easy Pension.

Surrender value of Reliance Pension Builder and Superannuation Cash Accumalation is the amount of money that will be provided by the insurance company in case you want to surrender the policy before maturity.

Surrender value of Future Generali Pension Guarantee and IndiaFirst Cash Back Plan is the amount of money that will be provided by the insurance company in case you want to surrender the policy before maturity.

Surrender value of Shriram Cash Back Term and Edelweiss Tokio Easy Pension is the amount of money that will be provided by the insurance company in case you want to surrender the policy before maturity.

Surrender value of Edelweiss Tokio Pension and DHFL Pramerica Smart Cash Protect is the amount of money that will be provided by the insurance company in case you want to surrender the policy before maturity.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for Edelweiss Tokio Pension Plan and DHFL Pramerica Smart Cash Protect.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for Shriram Cash Back Term and SBI Life Saral Pension.

Surrender value of DHFL Pramerica Smart Cash Protect and Kotak Premier Pension is the amount of money that will be provided by the insurance company in case you want to surrender the policy before maturity.

Surrender value of Personal Pension Plus and Group Gratuity Cash Accumulation is the amount of money that will be provided by the insurance company in case you want to surrender the policy before maturity.

Surrender value of Group Gratuity Cash Accumulation and Single Premium Pension Super is the amount of money that will be provided by the insurance company in case you want to surrender the policy before maturity.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for Max Life Forever Young Pension Plan and Shriram Cash Back Term.

Surrender value of Shriram Cash Back Term and Saral Pension Plan is the amount of money that will be provided by the insurance company in case you want to surrender the policy before maturity.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for LIC New Group Gratuity Cash Accumulation Plan and HDFC Life Single Premium Pension Super Plan.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for HDFC Life Personal Pension Plus and LIC New Group Gratuity Cash Accumulation Plan.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for IndiaFirst Cash Back Plan and Edelweiss Tokio Easy Pension.

Surrender value of IndiaFirst Cash Back Plan and Edelweiss Tokio Easy Pension is the amount of money that will be provided by the insurance company in case you want to surrender the policy before maturity.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for IndiaFirst Cash Back Plan and HDFC Life Guaranteed Pension Plan.