If the reference asset's price never crosses the barrier, investors receive the coupon payments plus
the face value of the product.
Not exact matches
When Lehman and Zechory recently announced a list
of Genius company
values such as «Feel It to My
Face» (never be afraid to tell others what you're thinking) and «Take the Roast out
of the Oven» (unleash incomplete
products into the world and see what happens), Moghadam immediately sent an unprompted email declaring «I think Tom has finally lost his f — ing mind — RIP.
Never - the-less, without accepting the work at
face value, it is possible to regard the Book
of Mormon as the
product of an extraordinary and profound act
of the religious imagination.
The Maggie Beer
Products gourmet food business has sunk into the red by up to $ 600,000 and the ASX company, which bought 48 per cent
of it, is
facing a big write - down
of up to $ 10 million as the
value of its investment sinks.
players like Ozil always present the fans with a bit
of a conundrum, especially when times are tough... if you look around the sporting world every once in awhile there emerges a player with incredible skill, like Ozil, Matt Sundin or even Jay Cutler, who have a different way about themselves... their movement seemed almost too lackadaisical, so much so that it seemed to suggest indifference or even disinterest on the part
of the player... their posture always appears somewhat mopey and they generally have an unflattering «sour puss» expression on their
face... for some their above average skills are enough to keep them squarely in the mix, as their respective teams try desperately to find a way to get the best out
of them visa vie player acquisitions or the reworking
of tactics... when things go according to planned the fans usually find a way to accept their unique disposition, whereas when things go awry they become easy targets for fans and pundits alike... in the case
of Ozil and Sundin, their successes on the international stage and / or with their former teams led many to conclude that if we surrounded such talented individuals with players that have those skills that would most likely bring the best
of these players success would surely follow... unfortunately both the Maple Leafs and our club chose to adopt half - measures, as each were being run by corporations who
valued profitability over providing the best possible
product on the field... for them, they cared more about shirt sales and season tickets than doing whatever was necessary... this isn't, by any stretch, an attempt to absolve Ozil
of any responsibility for his failures on the pitch... there is no doubt oftentimes his efforts were underwhelming, to say the least, but this club has been inept when it comes to providing this prolific passer with the kind
of players necessary for him to flourish... with our poor man's version
of Benzema up front, the headless chickens in Walcott, the younger Ox and Welbeck occupying wide positions far too often and the fact that Carzola, who provided Ozil with great service and more freedom to roam, was never truly replaced, the only real skilled outlet on the pitch was Sanchez... remember to be considered a world - class set - up man goals need to be scored and for much
of his time here he has been surrounded by some incredibly inept finishers... in the end, I'm not sure how long he will be in North London, recent sentiments and his present contract situation seem to suggest that he will depart at season's end, but how tragic would it be if once again we didn't put our best foot forward and failed to make those moves that could have brought championship football back to our once beloved club... so when you think about this uniquely skilled player don't be so quick to shift all the blame on his shoulders because he will not be the first or the last highly skilled player to find disappointment at the Emirates if we don't rid the club
of those individuals that are truly to blame for our current woes
Lastly, we think a lot
of value comes from the forward arm cradle and three disposable
face cradle sheets that are included with the
product.
The study, which appears in the journal Proceedings
of the National Academy
of Sciences (PNAS), shows that when we come across low -
valued items, we're willing to pay more for
products we later
face; by contrast, when we see high -
valued items, we'll pay less for
products we view in the future.
Engaging stakeholders and society in an issue that takes place miles from land and fathoms underwater can be a daunting task, especially in the
face of economic arguments for mining the deep sea for materials used in
products that society
values, like cell phones and other electronics.
THE LURE
OF POLITICALLY CORRECT DIETS For some high - minded teenagers, anti-saturated fat dogma may dovetail rather conveniently with pro-vegetarian arguments, 12 particularly because the search for «meaningful moral standards, values and belief systems» is a critical developmental task during adolescence.13 (It should be noted that moralistic claims in favor of vegetarianism often prevent earnest vegetarian teens from coming face to face with underlying farming realities — including the fact that sustainable farming requires enriching soil with animal products such as bone meal and manure.12) Recognizing the fact that adolescent boys also can be preoccupied with physical concerns about weight or athletic prowess, it is perhaps not terribly surprising that a sizeable proportion of teenage boys appear to be persuaded by advice that vegetarianism is a «healthy» lifestyl
OF POLITICALLY CORRECT DIETS For some high - minded teenagers, anti-saturated fat dogma may dovetail rather conveniently with pro-vegetarian arguments, 12 particularly because the search for «meaningful moral standards,
values and belief systems» is a critical developmental task during adolescence.13 (It should be noted that moralistic claims in favor
of vegetarianism often prevent earnest vegetarian teens from coming face to face with underlying farming realities — including the fact that sustainable farming requires enriching soil with animal products such as bone meal and manure.12) Recognizing the fact that adolescent boys also can be preoccupied with physical concerns about weight or athletic prowess, it is perhaps not terribly surprising that a sizeable proportion of teenage boys appear to be persuaded by advice that vegetarianism is a «healthy» lifestyl
of vegetarianism often prevent earnest vegetarian teens from coming
face to
face with underlying farming realities — including the fact that sustainable farming requires enriching soil with animal
products such as bone meal and manure.12) Recognizing the fact that adolescent boys also can be preoccupied with physical concerns about weight or athletic prowess, it is perhaps not terribly surprising that a sizeable proportion
of teenage boys appear to be persuaded by advice that vegetarianism is a «healthy» lifestyl
of teenage boys appear to be persuaded by advice that vegetarianism is a «healthy» lifestyle.
Overall, I love this Becca x Jaclyn Hill Champagne Glow
Face Palette and totally recommend it, especially if you're a Becca fan or even Jaclyn Hill, because the quality
of the
products are amazing and the
value is pretty amazing as well at US $ 52.00 / CAD $ 59.00, (and if you purchase one Becca highlighter, it will cost CAD $ 46.00 / US $ 38.00).
The next five
products in the Sephora Favorites Give Me More Lip set are YSL's Rouge Pur Couture Lipstick in 1 Le Rouge (0.03 oz deluxe size,
value of $ 8.31), Ciate's Liquid Velvet Matte Lip Slick in Risque (full size,
value of $ 19), Smashbox's Be Legendary Matte Lipstick in Magenta Matte (full size,
value of $ 20), Too
Faced's Melted Liquified Long Wear Lipstick in Peony (0.16 oz deluxe size,
value of $ 8.40), and Urban Decay's Revolution Lipstick in Streak (full size,
value of $ 22).
During the Summit, we are able to meet with exhibitors
face - to -
face and demonstrate the
value of programs such as the New
Products Showcase.»
If the
product's reference asset has a positive cumulative return on the call date, the
product is called and investors receive any accrued coupon payments and the
face value of the note.
The net proceeds to the issuer was $ 970 and therefore the premium Credit Suisse charged for the
product was $ 25.89 ($ 970 − $ 944.11), or nearly 3 per cent
of the
face value.
The net proceeds to the issuer were $ 0.405 per $ 10, and therefore the premium Citigroup charged for the
product was more than 2 per cent
of the
face value of the notes.
Our results indicate that like many types
of structured
products, DDs tend to be priced at a significant premium to present
value across issuers and underlying securities and that the present
value of the decomposition is smaller than the
face value net
of commissions.
Regardless
of the autocall trigger, exercising the autocall entitles investors to receive the
product's
face value plus a pre-specified annual yield.
Customers redeeming from a pool using a Platinum
product may redeem from any
of the Platinum redemptions options available; including Cash - back credits at a
face -
value of 1.00 % even if the points being redeemed in the pool were earned by a Signature cardholder.
Customers redeeming from a pool using a Signature
product may redeem from any
of the Signature redemptions options available; including Cash - back credits at a
face -
value of 1.25 % even if the points being redeemed from the pool were earned by a Platinum cardholder.
Marketing
products to the modern consumer is a delicate dance
of truthiness, insinuation, and misdirection, and if you read labels literally and take things at
face value, you run the risk
of being misled, because it's not always in the company's best interest to be 100 % honest with their potential customers.
You can choose the
product to come 3 different ways, one way is fixed with the death benefit being 100 %
of the
face value from the start.
Taking the same 30 yr old male, but converting to a UL in yr 20: January 15, 2009 Interest Adjusted Cost Analysis
Face Amount: (1) 100,000.00 (2) 100,000.00
Product 1: Term 20 yr
Product 2: Whole Life Whole Life Interest Rate: 5.00 % Tax Rate: 0.00 % (Tax Deferred Vehicle) After Tax Rate: 5.00 % Year Age Premium 1 Premium 2 1 minus 2 Premiums Saved 1 30 127.00 1,056.00 -929.00 -975.45 2 31 127.00 1,056.00 -929.00 -1,999.67 3 32 127.00 1,056.00 -929.00 -3,075.11 4 33 127.00 1,056.00 -929.00 -4,204.31 5 34 127.00 1,056.00 -929.00 -5,389.98 6 35 127.00 1,056.00 -929.00 -6,634.93 7 36 127.00 1,056.00 -929.00 -7,942.12 8 37 127.00 1,056.00 -929.00 -9,314.68 9 38 127.00 1,056.00 -929.00 -10,755.86 10 39 127.00 1,056.00 -929.00 -12,269.11 11 40 127.00 1,056.00 -929.00 -13,858.01 12 41 127.00 1,056.00 -929.00 -15,526.36 13 42 127.00 1,056.00 -929.00 -17,278.13 14 43 127.00 1,056.00 -929.00 -19,117.49 15 44 127.00 1,056.00 -929.00 -21,048.81 16 45 127.00 1,056.00 -929.00 -23,076.70 17 46 127.00 1,056.00 -929.00 -25,205.99 18 47 127.00 1,056.00 -929.00 -27,441.73 19 48 127.00 1,056.00 -929.00 -29,789.27 20 49 1,000.00 1,056.00 -56.00 -31,337.53 21 50 1,000.00 1,056.00 -56.00 -32,963.21 22 51 1,000.00 1,056.00 -56.00 -34,670.17 23 52 1,000.00 1,056.00 -56.00 -36,462.48 24 53 1,000.00 1,056.00 -56.00 -38,344.40 25 54 1,000.00 1,056.00 -56.00 -40,320.43 26 55 1,000.00 1,056.00 -56.00 -42,395.25 27 56 1,000.00 1,056.00 -56.00 -44,573.81 28 57 1,000.00 1,056.00 -56.00 -46,861.30 29 58 1,000.00 1,056.00 -56.00 -49,263.16 30 59 1,000.00 1,056.00 -56.00 -51,785.12 31 60 1,000.00 1,056.00 -56.00 -54,433.18 32 61 1,000.00 1,056.00 -56.00 -57,213.64 33 62 1,000.00 1,056.00 -56.00 -60,133.12 34 63 1,000.00 1,056.00 -56.00 -63,198.58 35 64 1,000.00 1,056.00 -56.00 -66,417.30 36 65 1,000.00 1,056.00 -56.00 -69,796.97 37 66 1,000.00 1,056.00 -56.00 -73,345.62 38 67 1,000.00 1,056.00 -56.00 -77,071.70 39 68 1,000.00 1,056.00 -56.00 -80,984.08 40 69 1,000.00 1,056.00 -56.00 -85,092.09 41 70 1,000.00 1,056.00 -56.00 -89,405.49 42 71 1,000.00 1,056.00 -56.00 -93,934.57 43 72 1,000.00 1,056.00 -56.00 -98,690.09 44 73 1,000.00 1,056.00 -56.00 -103,683.40 45 74 1,000.00 1,056.00 -56.00 -108,926.37 46 75 1,000.00 1,056.00 -56.00 -114,431.49 47 76 1,000.00 1,056.00 -56.00 -120,211.86 48 77 1,000.00 1,056.00 -56.00 -126,281.26 49 78 1,000.00 1,056.00 -56.00 -132,654.12 50 79 1,000.00 1,056.00 -56.00 -139,345.62 51 80 1,000.00 1,056.00 -56.00 -146,371.71 52 81 1,000.00 1,056.00 -56.00 -153,749.09 53 82 1,000.00 1,056.00 -56.00 -161,495.35 54 83 1,000.00 1,056.00 -56.00 -169,628.91 55 84 1,000.00 1,056.00 -56.00 -178,169.16 56 85 1,000.00 1,056.00 -56.00 -187,136.42 57 86 2,477.00 1,056.00 1,421.00 -195,001.19 When comparing the rates
of two different Life Insurance
products it is important to take into consideration the «time
value» or «opportunity cost»
of money.
Especially in today's tougher economic times, millions
of families are watching their spending more closely than ever, and let's
face it, no one wants to throw money away on
products or services that are not a good
value.
Variable Life Insurance - A form
of life insurance whose
face value fluctuates depending upon the
value of the dollar, securities or other equity
products supporting the policy at the time payment is due.
Taking Insurance Maze's 30 yr old Male: January 14, 2009 Interest Adjusted Cost Analysis
Face Amount: (1) 100,000.00 (2) 100,000.00
Product 1: Term 20 yr
Product 2: Whole Life Interest Rate: 5.00 % Tax Rate: 0.00 % (Assuming investment in tax deferred vehicle) After Tax Rate: 5.00 % Year Age Premium 1 Premium 2 1 minus 2 Premiums Saved 1 30 127.00 1,056.00 -929.00 -975.45 2 31 127.00 1,056.00 -929.00 -1,999.67 3 32 127.00 1,056.00 -929.00 -3,075.11 4 33 127.00 1,056.00 -929.00 -4,204.31 5 34 127.00 1,056.00 -929.00 -5,389.98 6 35 127.00 1,056.00 -929.00 -6,634.93 7 36 127.00 1,056.00 -929.00 -7,942.12 8 37 127.00 1,056.00 -929.00 -9,314.68 9 38 127.00 1,056.00 -929.00 -10,755.86 10 39 127.00 1,056.00 -929.00 -12,269.11 11 40 127.00 1,056.00 -929.00 -13,858.01 12 41 127.00 1,056.00 -929.00 -15,526.36 13 42 127.00 1,056.00 -929.00 -17,278.13 14 43 127.00 1,056.00 -929.00 -19,117.49 15 44 127.00 1,056.00 -929.00 -21,048.81 16 45 127.00 1,056.00 -929.00 -23,076.70 17 46 127.00 1,056.00 -929.00 -25,205.99 18 47 127.00 1,056.00 -929.00 -27,441.73 19 48 127.00 1,056.00 -929.00 -29,789.27 20 49 127.00 1,056.00 -929.00 -32,254.18 21 50 293.00 1,056.00 -763.00 -34,668.04 22 51 293.00 1,056.00 -763.00 -37,202.60 23 52 293.00 1,056.00 -763.00 -39,863.88 24 53 293.00 1,056.00 -763.00 -42,658.22 25 54 293.00 1,056.00 -763.00 -45,592.28 26 55 293.00 1,056.00 -763.00 -48,673.05 27 56 293.00 1,056.00 -763.00 -51,907.85 28 57 293.00 1,056.00 -763.00 -55,304.39 29 58 293.00 1,056.00 -763.00 -58,870.76 30 59 293.00 1,056.00 -763.00 -62,615.45 31 60 293.00 1,056.00 -763.00 -66,547.37 32 61 293.00 1,056.00 -763.00 -70,675.89 33 62 293.00 1,056.00 -763.00 -75,010.83 34 63 293.00 1,056.00 -763.00 -79,562.52 35 64 293.00 1,056.00 -763.00 -84,341.80 36 65 293.00 1,056.00 -763.00 -89,360.04 37 66 293.00 1,056.00 -763.00 -94,629.19 38 67 293.00 1,056.00 -763.00 -100,161.80 39 68 293.00 1,056.00 -763.00 -105,971.04 40 69 293.00 1,056.00 -763.00 -112,070.74 41 70 2,477.00 1,056.00 1,421.00 -116,182.23 42 71 2,477.00 1,056.00 1,421.00 -120,499.29 43 72 2,477.00 1,056.00 1,421.00 -125,032.21 44 73 2,477.00 1,056.00 1,421.00 -129,791.77 45 74 2,477.00 1,056.00 1,421.00 -134,789.31 46 75 2,477.00 1,056.00 1,421.00 -140,036.72 47 76 2,477.00 1,056.00 1,421.00 -145,546.51 48 77 2,477.00 1,056.00 1,421.00 -151,331.78 49 78 2,477.00 1,056.00 1,421.00 -157,406.32 50 79 2,477.00 1,056.00 1,421.00 -163,784.59 51 80 2,477.00 1,056.00 1,421.00 -170,481.77 52 81 2,477.00 1,056.00 1,421.00 -177,513.81 53 82 2,477.00 1,056.00 1,421.00 -184,897.45 54 83 2,477.00 1,056.00 1,421.00 -192,650.27 55 84 2,477.00 1,056.00 1,421.00 -200,790.73 56 85 2,477.00 1,056.00 1,421.00 -209,338.22 57 86 2,477.00 1,056.00 1,421.00 -218,313.08 When comparing the rates
of two different Life Insurance
products it is important to take into consideration the «time
value» or «opportunity cost»
of money.
You can choose this
product to come fixed with the death benefit being 100 %
of the
face value from the start, graded which causes your death benefit to be limited the first two years but you will receive the greater
of the sum
of the total premium paid with 4.5 % interest
of 30 %
of the
face amount, or you can choose modified which offers a limited death benefit for the first two years based on return
of premium paid plus 10 %, after the two years the death benefit is 100 %.
Variable Universal Life (VUL) is a life insurance policy type in which the
face value fluctuates depending upon the
value of the dollar, securities, or other equity
products supporting the policy at the time payment is due.
The
face value fluctuates depending on the performance
of your equity
products supporting the policy.
Scheduled
face - to -
face meetings with potential clients to discuss the
value and usefulness
of company
products
Creativity is key in a sales role, for instance, when you're constantly
faced with clients who don't understand the
value of what you're selling, and are hesitant to make an investment in a «nice to have» versus «need to have»
product or service.
Among the reasons they cited were they felt pressured to adopt the brand's new
value menu, add new equipment and
products and to remodel their locations or
face the wrath
of the company, said Mark Kalinowski, a Nomura - Instinet analyst, in a research note.»