Sentences with phrase «cash value rate»

After the first year the cash value rate of return starts to grow annually.

Therefore, with the same cash value rate of return, you would actually perform worse with a variable life insurance policy.

Therefore, with the same cash value rate of return, you would actually perform worse with a variable life insurance policy.

Not exact matches

Let's break down what an alternative finance provider needs to cover within that 30 to 40 percent factor rate (technically, this is a discount rate, which is present value cash versus future payout, rather than an interest rate), so as to come out ahead.

Should the policy offer attractive guaranteed rates of return, over time the cash value will grow to a reasonable level without being subject to market volatility or capital gains taxes.

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.

While banks are offering interest rates of 1 percent or less (taxable), many cash - value policies are currently offering tax - free growth of about 5 percent.

«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.»

Clearly, when you drive rates to zero, hammer down a yield curve, so real rates are zero, it changes the way you can discount future cash flows, present value.

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.

Some whole life policies will even freeze the interest rate that applies to the cash value of the policy.

With whole life insurance, the policy's cash value is guaranteed to grow at a certain rate each year and you can:

While you want a mixture of growth stocks — stocks with high cash flows and growth rates compared to their peers — and value stocks, having value form the basis and foundation for your strategy is a wise idea.

Cash value builds at a fixed rate determined by the insurer.

The Fidelity Fixed Income Analysis Tool can help you manage cash flow, understand the composition of your fixed income portfolio, and estimate how interest rate changes may affect the value of your individual positions, hypothetical positions, and your overall portfolio.

If you manage to get a value of $ 0.0134 per point when transferring, the Chase Freedom Unlimited ® can beat all other flat - rate cash back credit cards — including the Citi ® Double Cash Credit Ccash back credit cards — including the Citi ® Double Cash Credit CCash Credit Card.

Rates on cash - out refinances generally will be slightly higher, 25 to 75 basis points, than the rate on a purchase mortgage with a similar loan - to - value ratio.

Each time you make a permanent life insurance premium payment, a portion of the money goes into a cash value account, and this account grows at a rate specified by the policy.

This is utterly different from true discounting - which does not rely on multiples, but instead carefully traces out the likely path of future revenues, profit margins, cash flows and earnings over time, and explicitly discounts expected payouts and probable terminal values back at an appropriate rate of return.

We could take the $ 16 billion we have in cash earning 1.5 % and invest it in 20 - year bonds earning 5 % and increase our current earnings a lot, but we're betting that we can find a good place to invest this cash and don't want to take the risk of principal loss of long - term bonds [if interest rates rise, the value of 20 - year bonds will decline].»

FCF yield is a measure used to estimate the rate of return of a stock by comparing a company's free cash flow to its overall value.

Open SF Repo represents the starting cash value of all open SF Repos contracted at the cash rate target by the ESA holder

Both today's cash rate and its expected value over the next 6 to 12 months form the anchor for the spectrum of interest rates in the economy.

Significant estimates in valuing certain intangible assets include, but are not limited to, future expected cash flows from acquired technology, useful lives, and discount rates.

The policy loan provision stipulates the amount you can borrow against your cash value, the rate of interest, and other terms for policy loans.

If you're willing to stay at the same payment amount, a reduced rate can also give you a way to tap the value of your home through a cash - out refinance.

I am actually thinking about financing a vintage car through one of those specialty lenders (JJ Best, Westlake, etc), because I can get a low rate with my credit, keep my cash in the bank, and negative equity shouldn't be an issue given my down payment and the vehicle's steady value.

Steve Blank suggested metrics that may be more important than the financial statements itself which included: monthly burn rate (cash flow), customer acquisition costs, customer lifetime value, etc. for a startup company.

However, if the ordinary shares or ADSs are treated as traded on an «established securities market» and you are either a cash basis taxpayer or an accrual basis taxpayer that has made a special election (which must be applied consistently from year to year and can not be changed without the consent of the IRS), you will determine the U.S. dollar value of the amount realized in a non U.S. dollar currency by translating the amount received at the spot rate of exchange on the settlement date of the sale.

Our accounting for acquisitions involves significant judgments and estimates, including the fair value of certain forms of consideration such as our common stock, preferred stock or warrants, the fair value of acquired intangible assets, which involve projections of future revenues, cash flows and terminal value which are then discounted at an estimated discount rate, the fair value of other acquired assets and assumed liabilities, including potential contingencies, and the useful lives of the assets.

It is our belief that large institutional investors, Wall Street analysts and the news media alike continue to misunderstand Apple and generally fail to value Apple's net cash separately from its business, fail to adjust earnings to reflect Apple's real cash tax rate, fail to recognize the growth prospects of Apple entering new categories, and fail to recognize that Apple will maintain pricing and margins, despite significant evidence to the contrary.

The process for estimating the fair values of identifiable intangible assets and certain tangible assets requires the use of significant estimates and assumptions, including estimating future cash flows and developing appropriate discount rates.

If you solve for»n' such that the present value of the cash flows is equal to the share price you get an indication of the growth rate implied in the stock price.

With still - low mortgage rates, along with home values on the rise nationwide, now is a great time to consider your cash - out refinance options.

Anyone's calculation intrinsic value necessarily comes up with a highly subjective figure that will change both as estimates of future cash flows are revised and as interest rates move.

As the discount rate increases, the present value of those future cash flows decline, decreasing the value of the investment.

The cash value of a universal life insurance policy accumulates based on the amount of premium paid, monthly deductions for policy costs and an interest rate that is declared by the insurance company.

So, market participants who buy and sell bonds at different prices are expressing different views about a number of variables: the likelihood that these cash flows will be received (credit quality); the velocity at which they may be received (prepayment or extension); their relative value to other bonds; and their interest rates relative to prevailing rates.

You won't see a rise in the value of your holdings with cash during a recession and if you're keeping it in fixed term accounts then it will be adversely affected by rate rises, same as bonds.

The value of the promissory notes is discounted at a fixed rate so that the exporter receives cash, after deduction of the interest charge or discount.

While the opportunity for point value is lower, cash back programs are simple and cardholders are guaranteed a predictable rate of return from their credit card rewards, without having to decipher loyalty programs or search for award availability.

If you can discount those cash flows at lower rate - because of slower inflation - then the value of those cash flows is higher.

Our analysis of valuation considers not only earnings, but free cash flows, dividends, book values, revenues, profit margins, interest rates, inflation, risk premiums and other factors.

As home values continue to rise across the country and interest rates remain relatively low, now may be a great time to consider a VA Cash - Out refinance.

Variable life insurance is also similar to whole life insurance but, instead of having a guaranteed rate of growth, the cash value of the policy can be invested in sub-accounts offered by the insurer.

«Intrinsic value is the number, that if you were all knowing about the future and you could predict all the cash a business would give you between now and judgement day, discounted at the proper discount rate, that number is what the intrinsic value of the business is.

It limits property tax rates to no more than 1 % of full cash value.

Guaranteed Asset Protection (GAP) insurance can offer value for car buyers, especially those who opt for a low - interest rate alternative to a cash rebate.

As you'd expect for a big off - roader from a budget brand, the SsangYong sheds its value at a terrifying rate — so you'll get very little cash back after three years of motoring.