Sentences with phrase «cost level term»

Consider this if you want low - cost level term life insurance from a company with outstanding consumer reviews.

Perhaps you've heard Dave Ramsey say, «You should only buy low - cost level term life insurance.

However, since low cost level term has become so competitive, decreasing term insurance has lost its appeal.

This low - cost level term insurance is available from age 21, with coverage of between $ 100,000 to $ 5 million.

On top of that, Banner Life has continually been one of the lowest cost level term life insurance policies on the market.

Not exact matches

CEO Randy Eresman noted in the Calgary - based company's 2011 year - end results: «For the industry as a whole, near - term natural gas prices are at levels below what it costs to add most new production, and in some places, may even be below what it costs to produce from existing wells.»

And in the long - term, a real cost of capital of 6 % necessitates a P / E at half today's levels.

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.

While short - term funding costs are rising and financial conditions tightening from very loose levels, corporate - credit spreads suggest no serious economic weakness or financial contagion is stressing the system yet.

AARHUS, Denmark, Oct 3 - Ailing Danish wind turbine manufacturer Vestas said on Wednesday it is stopping all non-profitable projects as it battles worsening prospects by slashing costs and jobs to lift medium - term operating margins to high single digit levels.

The MPC launched the Term Funding Scheme to make sure that the lower levels of interest rates now set by the Bank of England are reflected in the costs commercial banks charge households and companies to borrow funds.

The cost for banks to borrow short - term dollar funds from other banks surged to its highest level since 2012 as financial institutions scrambled to secure funding before thinning trading volumes.

In short, because they pool longevity risk, can offer a well - diversified portfolio with longer - term investments, and are professionally managed, public pension funds deliver the same level of benefits as DC plans at only 46 percent of the cost.15 Any funds invested with the state pension fund would be kept in a separate investment pool from public sector funds.

What we were really providing investors was a level of discipline that few individual investors can muster over time — by adopting a long term asset allocation strategy and using low cost investment vehicles, our long term performance was always going to be better than the average individual investor who tends to time markets and chase performance, with little understanding of the costs they are incurring.

Looking at the figures for each recession, it's notable that (a) the proportionate rise in the level of unemployment, once the fall in GDP is taken into account, bears some relation to the rise in real wages; (b) there is no consistent difference between supply - side and demand - side recessions; (c) given the long - term costs of unemployment, a flexible labour market becomes extremely important in a recession.

Sharply reduced levels of trust between bishops and priests, and between lay people and both, may well be the greatest long — term cost of the present crisis.

The CTF doesn't cover even the cost of a term's worth of tuition fees at its current level.

Troubles in Italy (and other poorly - led nations) benefit Britain... «UK long - term borrowing costs have fallen to their lowest level this year, as troubles in the eurozone offset worries over a fresh batch of credit rating downgrades for government - backed institutions.»

And Dennis Herrera, San Francisco's city attorney, said the case is part of the municipality's long - term effort to address the costs of sea - level rise.

This, according to Mena - Carrasco, levels the field between renewables and conventional generation in terms of operational costs.

If you look at expenses associated with breast diagnosis in the following year after initial screening, DBT is more cost effective in terms of health system or population level screening.»

«The level of sophistication needed to replicate those distinctions in a bot would be so expensive, in terms of time and money, that it would — hopefully — be cost - prohibitive.»

But alcohol taxes across the nation have declined in inflation - adjusted terms at both federal and state levels, and those taxes don't cover the costs of alcohol - fueled harms, the report noted.

The fasting level of glucose utilization is likely to be suboptimal for health: fasting invokes glucose - and - protein - conservation measures which evolved to make us more likely to survive famine, but almost certainly have a cost in long - term health.

Over 50 percent of LeagueLove couples went to colleges that were ranked similarly in terms of cost and acceptance rate — and over 80 percent had obtained the same level of degree.

Assuming that, as research seems to indicate, being redshirted has no net long - term impacts on skill level, we can estimate the cost of losing that year in the labor force for a college - educated male who retires at age 67.

Any opposition is due largely to lack of information and concern about transition costs, similar to the skepticism surrounding proposals to invest a portion of Social Security funds in the market to improve long - term pension levels.

Included in the PowerPoint: a) Scarcity, Choice and Opportunity Cost - The Fundamental Economic Problem - The Meaning of Scarcity and the inevitability of choices at all levels (individual, firms, govt)- The basic questions of what will be produced ow and for whom - The Meaning of the term «Ceteris Paribus» - The Margin and Decision Making at the Margin - Sort run, long run, very long run b) Positive and Normative Statements - the distinction between fact and value judgements c) Factors of Production - the rewards to the factors of production: land, labour, capital and enterprise - Specialization and division of labour d) Resource Allocation in Different Economic Systems and Issues of Transition - decision making in market, planned and mixed economies - the role of the factor enterprise in a modern economy e) Production Possibility Curves - shape and shifts of the curve - constant and increasing opportunity costs f) Money - functions and characteristics in a modern economy - barter, cash and bank deposits, cheques, near money, liquidity g) Classification of Goods and Services - free goods, private goods (economic goods) and public goods - merit goods and demerit goods as the outcome of imperfect information by consumers PowerPoint Also Includes: - Key Terms for each Chapter - Activities - Multiple Choice and Essay questions from past exam papers.

Included in the PowerPoint: Macroeconomic Objectives (AS Level) a) Aggregate Demand (AD) and Aggregate Supply (AS) analysis - the shape and determinants of AD and AS curves; AD = C+I+G + (X-M)- the distinction between a movement along and a shift in AD and AS - the interaction of AD and AS and the determination of the level of output, prices and employment b) Inflation - the definition of inflation; degrees of inflation and the measurement of inflation; deflation and disinflation - the distinction between money values and real data - the cause of inflation (cost - push and demand - pull inflation)- the consequences of inflation c) Balance of payments - the components of the balance of payments accounts (using the IMF / OECD definition): current account; capital and financial account; balancing item - meaning of balance of payments equilibrium and disequilibrium - causes of balance of payments disequilibrium in each component of the accounts - consequences of balance of payments disequilibrium on domestic and external economy d) Exchange rates - definitions and measurement of exchange rates - nominal, real, trade - weighted exchange rates - the determination of exchange rates - floating, fixed, managed float - the factors underlying changes in exchange rates - the effects of changing exchange rates on the domestic and external economy using AD, Marshall - Lerner and J curve analysis - depreciation / appreciation - devaluation / revaluation e) The Terms of Trade - the measurement of the terms of trade - causes of the changes in the terms of trade - the impact of changes in the terms of trade f) Principles of Absolute and comparative advantage - the distinction between absolute and comparative advantage - free trade area, customs union, monetary union, full economic union - trade creation and trade diversion - the benefits of free trade, including the trading possibility curve g) Protectionism - the meaning of protectionism in the context of international trade - different methods of protection and their impact, for example, tariffs, import duties and quotas, export subsidies, embargoes, voluntary export restraints (VERs) and excessive administrative burdens («red tape»)- the arguments in favor of protectionism This PowerPoint is best used when using worksheets and activities to help reinforce the ideas talked aLevel) a) Aggregate Demand (AD) and Aggregate Supply (AS) analysis - the shape and determinants of AD and AS curves; AD = C+I+G + (X-M)- the distinction between a movement along and a shift in AD and AS - the interaction of AD and AS and the determination of the level of output, prices and employment b) Inflation - the definition of inflation; degrees of inflation and the measurement of inflation; deflation and disinflation - the distinction between money values and real data - the cause of inflation (cost - push and demand - pull inflation)- the consequences of inflation c) Balance of payments - the components of the balance of payments accounts (using the IMF / OECD definition): current account; capital and financial account; balancing item - meaning of balance of payments equilibrium and disequilibrium - causes of balance of payments disequilibrium in each component of the accounts - consequences of balance of payments disequilibrium on domestic and external economy d) Exchange rates - definitions and measurement of exchange rates - nominal, real, trade - weighted exchange rates - the determination of exchange rates - floating, fixed, managed float - the factors underlying changes in exchange rates - the effects of changing exchange rates on the domestic and external economy using AD, Marshall - Lerner and J curve analysis - depreciation / appreciation - devaluation / revaluation e) The Terms of Trade - the measurement of the terms of trade - causes of the changes in the terms of trade - the impact of changes in the terms of trade f) Principles of Absolute and comparative advantage - the distinction between absolute and comparative advantage - free trade area, customs union, monetary union, full economic union - trade creation and trade diversion - the benefits of free trade, including the trading possibility curve g) Protectionism - the meaning of protectionism in the context of international trade - different methods of protection and their impact, for example, tariffs, import duties and quotas, export subsidies, embargoes, voluntary export restraints (VERs) and excessive administrative burdens («red tape»)- the arguments in favor of protectionism This PowerPoint is best used when using worksheets and activities to help reinforce the ideas talked alevel of output, prices and employment b) Inflation - the definition of inflation; degrees of inflation and the measurement of inflation; deflation and disinflation - the distinction between money values and real data - the cause of inflation (cost - push and demand - pull inflation)- the consequences of inflation c) Balance of payments - the components of the balance of payments accounts (using the IMF / OECD definition): current account; capital and financial account; balancing item - meaning of balance of payments equilibrium and disequilibrium - causes of balance of payments disequilibrium in each component of the accounts - consequences of balance of payments disequilibrium on domestic and external economy d) Exchange rates - definitions and measurement of exchange rates - nominal, real, trade - weighted exchange rates - the determination of exchange rates - floating, fixed, managed float - the factors underlying changes in exchange rates - the effects of changing exchange rates on the domestic and external economy using AD, Marshall - Lerner and J curve analysis - depreciation / appreciation - devaluation / revaluation e) The Terms of Trade - the measurement of the terms of trade - causes of the changes in the terms of trade - the impact of changes in the terms of trade f) Principles of Absolute and comparative advantage - the distinction between absolute and comparative advantage - free trade area, customs union, monetary union, full economic union - trade creation and trade diversion - the benefits of free trade, including the trading possibility curve g) Protectionism - the meaning of protectionism in the context of international trade - different methods of protection and their impact, for example, tariffs, import duties and quotas, export subsidies, embargoes, voluntary export restraints (VERs) and excessive administrative burdens («red tape»)- the arguments in favor of protectionism This PowerPoint is best used when using worksheets and activities to help reinforce the ideas talked aTerms of Trade - the measurement of the terms of trade - causes of the changes in the terms of trade - the impact of changes in the terms of trade f) Principles of Absolute and comparative advantage - the distinction between absolute and comparative advantage - free trade area, customs union, monetary union, full economic union - trade creation and trade diversion - the benefits of free trade, including the trading possibility curve g) Protectionism - the meaning of protectionism in the context of international trade - different methods of protection and their impact, for example, tariffs, import duties and quotas, export subsidies, embargoes, voluntary export restraints (VERs) and excessive administrative burdens («red tape»)- the arguments in favor of protectionism This PowerPoint is best used when using worksheets and activities to help reinforce the ideas talked aterms of trade - causes of the changes in the terms of trade - the impact of changes in the terms of trade f) Principles of Absolute and comparative advantage - the distinction between absolute and comparative advantage - free trade area, customs union, monetary union, full economic union - trade creation and trade diversion - the benefits of free trade, including the trading possibility curve g) Protectionism - the meaning of protectionism in the context of international trade - different methods of protection and their impact, for example, tariffs, import duties and quotas, export subsidies, embargoes, voluntary export restraints (VERs) and excessive administrative burdens («red tape»)- the arguments in favor of protectionism This PowerPoint is best used when using worksheets and activities to help reinforce the ideas talked aterms of trade - the impact of changes in the terms of trade f) Principles of Absolute and comparative advantage - the distinction between absolute and comparative advantage - free trade area, customs union, monetary union, full economic union - trade creation and trade diversion - the benefits of free trade, including the trading possibility curve g) Protectionism - the meaning of protectionism in the context of international trade - different methods of protection and their impact, for example, tariffs, import duties and quotas, export subsidies, embargoes, voluntary export restraints (VERs) and excessive administrative burdens («red tape»)- the arguments in favor of protectionism This PowerPoint is best used when using worksheets and activities to help reinforce the ideas talked aterms of trade f) Principles of Absolute and comparative advantage - the distinction between absolute and comparative advantage - free trade area, customs union, monetary union, full economic union - trade creation and trade diversion - the benefits of free trade, including the trading possibility curve g) Protectionism - the meaning of protectionism in the context of international trade - different methods of protection and their impact, for example, tariffs, import duties and quotas, export subsidies, embargoes, voluntary export restraints (VERs) and excessive administrative burdens («red tape»)- the arguments in favor of protectionism This PowerPoint is best used when using worksheets and activities to help reinforce the ideas talked about.

Claim: The benefits of class - size reduction are so large that the cost is well worth it, in terms of higher achievement levels, higher graduation rates, and lower special - education referrals.

«Adding the extra capacity without adding significantly to the cost takes the already competitive H7170 Munro to another level in terms of value for money,» he added.

At the K - 12 level, most of the academic — and public — conversation about segregation speaks in terms of costs.

A sum of between 14 - 19 would indicate that a limited number of mobile laptop carts and handheld kits would be a choice to consider as an entry - level solution, for the school might not be ready for a large - scale solution in terms of either cost or commitment.

The Commission will examine factors that impact spending in education, including: school funding and distribution of State Aid; efficiency and utilization of education spending at the district level; the percentage of per - pupil funding that goes to the classroom as compared to administrative overhead and benefits; approaches to improving special education programs and outcomes while also reducing costs; identifying ways to reduce transportation costs; identifying strategies to create significant savings and long - term efficiencies; and analysis of district - by - district returns on educational investment and educational productivity to identify districts that have higher student outcomes per dollar spent, and those that do not.

It will also require an iterative process of working through some of the challenges associated with extending learning time at the high school level in terms of culture, capacity, and cost, and adapting policy accordingly.

«Between now and 2020, many schools will face both real - terms reductions in the level of per - pupil funding and growing cost pressures.

The high level of content, plus the Accord's reputation for long - term durability, means the Accord's cost - benefit analysis works heavily in its favor.

The VW has the edge in terms of quality and off - road ability, but the Lexus comes back hard with its low running costs and level of standard kit.

You Should Pity Us Instead explores some of our toughest dilemmas: the cost of Middle East strife at its most intimate level, the likelihood of God considered in day - to - day terms, the moral stakes of family obligations, and the inescapable fact of mortality.

FHA mortgage insurance, on the other hand, is the same cost every month and maintains the same level of coverage throughout the entire term of the loan.

Payouts for mortgage life insurance can be either declining - term (the payout drops as the mortgage balance drops) or level, although the latter costs more.

For example, a new parent that primarily wants to make sure their child will be able to afford college may choose to go with a 20 year level term policy with $ 200,000 in coverage (as the all - in cost for students to attend a four - year nonprofit college is about $ 50,000 per year).

«Despite signs of deterioration, affordability levels in Toronto remain close to their long - term averages, indicating that the cost of owning a home has not yet reached dangerously high levels in the GTA,» says Robert Hogue, senior economist, RBC.

In this scenario, minimally funded level - cost - of - insurance universal life was used to mimic term - to - 100.

On average, a 20 - year level term policy with $ 500,000 face value would cost $ 277 per year for a 30 - year old male in great health.

The average long - term care costs in one's geographical region provide a reasonable estimate for determining appropriate levels of coverage.

With universal life policies, the cost of insurance can also be changed from yearly renewable term to level cost of insurance or vice versa.

Don't skimp on cover: saving a few pounds in the short - term could cost dearly if you don't have the right level of buildings insurance.

In comparison, permanent life insurance has a much higher initial cost than term, but it remains level throughout your lifetime.

Offers cost - friendly coverage with a set premium for a specific period of time along with extended level coverage after the initial term ends.