While indexed universal life can present numerous advantages over other forms of life insurance coverage — especially from
a cash value perspective — not all IUL policies are created equally.
Not exact matches
Once employee owners learn, for instance, how
cash flows through the company and what factors affect the bottom line, most will gain a different
perspective on how their personal actions relate to the company's success and, by extension, the
value of their ownership stake.
Therefore, from a pure
value perspective, the Citi ® Double
Cash Credit Card will always be as good, if not better, than its Barclays competitor.
This is why the
perspective of a
value investor can be valuable in approaching markets... are you willing to do a cold hard analysis of the likely
cash flows?
I want to describe them from the
perspective of a
value investor, who only cares about the future
cash flows of his investments; I am not offering a method of short - term market timing.
«While PayPal tends to receive a lot of complaints as a company, this is among the best
cash back credit cards from a pure
value perspective.»
Fortunately, there was such a huge gap between investors» standard P / E-based * approach vs. my own
perspective on Applegreen's unique float - driven model & underlying free
cash flow - based valuation, that the shares still trade (despite new all - time highs) well shy of my original $ 8.61 Fair
Value per share.
James Montier: A
Value Investor's
Perspective on Tail Risk Protection: An Ode to the Joy of
Cash http://myinvestingnotebook.blogspot.co.uk/2011/07/james-montier-
value-investors.html Warren Buffett first coined the phrase «an economic moat», by which he meant the factors that enable some businesses to sustain and protect above average profits for a long period of time.
From a consumer
perspective, stripping away the
cash value from universal life insurance essentially creates «lifetime term» insurance.
In one form of variable universal life insurance, the cost of insurance purchased is based only on the difference between the death benefit and the
cash value (defined as the net amount at risk from the
perspective of the insurer).
As long as there is increasing mortality and level premiums, there will be
cash values, and while term insurance has
cash values small enough to be legally ignored (and therefore not exist from the consumer's
perspective), a correctly priced whole life policy will always have
cash value build up to face amount by the end.
Just to put this in
perspective, I'm kind of an old guy and I would call the idea of using
cash value policies to fund key person insurance is definitely old school.
From a mortgage
perspective, a
cash buyer has 90 days to apply for a new mortgage and avoid the new mortgage being considered a «
cash out» mortgage which may carry a higher interest rate and lower loan to
value limits.