Sentences with phrase «cash value of your things»

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.