Sentences with phrase «get higher cash value»

Indexed universal life insurance is very similar, but it gives you the chance to get higher cash value investment options.

Not exact matches

«I'm mining through all of these different vendors, trying to get the ones with the highest value, the highest impact, best cost for students,» said Schools Superintendent Kriner Cash, who has indicated that he may look to cut some of the consultants.

Business class and first class are where you'll get the most value for your miles, but economy class bookings can be very useful when cash ticket prices are high.

Creating a high cash value life insurance policy gives you the benefit of a policy that grows cash value quickly, that will also grow your death benefit as you get older.

So, just to confirm, if you don't re-invest your dividends, are you losing out on this potential to minimize your capital gains because the dividends are paid out in cash and then you just get taxed on it at the end of the tax year and when you sell your investment, you potentially will have a larger difference between the sale price and book value (assuming your security increased in value), and thus pay a higher capital gains tax.

Essentially, you're getting a new mortgage at a value higher than what you owe and taking the difference in a cash lump.

Variable universal life insurance is going to give you the least amount of flexibility in how much you can change your premiums, but it will also give you the highest cap on how much growth you can get from the cash value.

Graham warned about getting into net - nets where there was a clear erosion of value, for example via high cash burn.

The pro of whole life is that the higher price tag can be mitigated by getting this type of life insurance policy at a young age, adding specific riders that maximize the cash value up to, but not crossing the line, of becoming a modified endowment contract MEC, and allowing you to utilize that cash value in as little as 30 days.

You can get more than 2 cents per point in value at some high - end Wyndham properties, but even at your average Days Inn or Howard Johnson, the Go Fast (cash + points) rate seems to provide a pretty consistent baseline of at least 1 cent per point.

While you can redeem for cash back, you'll get a higher value for your miles by redeeming for travel instead.

Rates are higher, but a portion of your premiums go toward a savings account that builds cash value and gets transferred to your beneficiaries at the end of your life.

Fuel margins are low, but it's high value / high volume, so a tsunami of cash comes in the door each day (& credit card payments take just 1 - 3 days to process)-- not to mention, minimal returns / chargebacks — whereas it receives far more generous payment terms from fuel suppliers, while inventory's highly restricted in terms of safety & storage capacity (high volume stations might get a delivery every day).

Replacement cost renters insurance might sound like a no - brainer, but, as with all premium things, it's got a higher price tag than its actual cash value counterpart.

When rates were high, this made a lot of sense — you pay lower premiums to get the same amount of cash value or slightly better.However, if the interest rate goes down, your premiums could go up as the life insurance company has to put more money in to maintain the policy's cash - value component.

Another way to do it with (2) cards: # 1: Bus Cash: 5X on office supply; no AF # 2: Sapphire Reserve: 3X travel; $ 450 AF, but max $ 300 Travel credit bring annual cost down to $ 150, which is only $ 55 more than CSP, and you get higher bonus on travel (3X vs 2X), pt higher value of points (1.5 ct vs 1.25 ct).

Both the Sapphire Reserve and Sapphire Preferred let you transfer points into travel partners at the same rate, and if you take advantage of travel redemptions which have a higher value than cash back you need to spend even less to get yourself even with the $ 55 a year.

Availability for those saver - level awards is usually plentiful, and, at peak summer travel season when cash prices are extremely high, that can get you a value of more than 2 cents per SkyMile.

While you can redeem for cash back, you'll get a higher value for your miles by redeeming for travel instead.

You've got high value travel points that are also transferable to an enormous number of airlines and hotels, plus the ability to earn straight cash back.

Business class and first class are where you'll get the most value for your miles, but economy class bookings can be very useful when cash ticket prices are high.

Or you can use the points for 6 GoFast cash & point reward nights, sometimes getting you an even higher point value of up to 5 cents per point!

To determine the value of your points for a specific trip, divide the cash price by the number of points required; you'll generally get a result somewhat higher or lower than 1 cent per point.

Journey ® Student Rewards from Capital One ® amps up the value for cardholders who want to get a higher rate of cash back for all purchases than what Discover it ® for Students offers.

«Unsurprisingly, cash - back rewards have the highest redemption rate because cash - back is all about simplicity and flexibility --[you] don't need to have a specific purpose in mind or worry about getting the best value,» said McQuay.

TPG contributor Nick Ewen estimated that Suite Upgrade Awards are worth $ 800 (so $ 1,600 in this case), but you'll be able to get much more value out of them at higher - end properties, especially since they can be applied to Points + Cash stays, and you can instantly transfer Ultimate Rewards points earned with cards like the Chase Sapphire Preferred to Hyatt.

If the cash price is higher, that means the same number of points is getting you a lot more value.

- The flexibility of Southwest points (fully refundable) and their value redeeming for Wan na Get Away fares (usually 1.6 - 1.7 cents / point or higher) makes them «better than cash» for both Southwest frequent and in - frequent travelers.

As mentioned above, it's best to redeem your hotel points when cash prices are relatively high and point prices are relatively low, with a goal of getting close to one cent per point in value.

You can get more than 2 cents per point in value at some high - end Wyndham properties, but even at your average Days Inn or Howard Johnson, the Go Fast (cash + points) rate seems to provide a pretty consistent baseline of at least 1 cent per point.

Both the Sapphire Reserve and Sapphire Preferred let you transfer points into travel partners at the same rate, and if you take advantage of travel redemptions which have a higher value than cash back you need to spend even less to get yourself even with the $ 55 a year.

The U.K. - based company, which recently expanded its operations to New York City, provides short - term loans against high - value luxury assets such as watches, jewelry, cars and fine art, giving its customers an efficient, easy and (most importantly) reliable way to get some quick cash.

Policies that build cash value have their place, but if the main objective is to get the highest death benefit for the lowest possible cost then typically a universal life, or guaranteed universal life is the way to go.

Cap on gains: Your gains in cash value will also be limited by your cap, which is the maximum you'll get no matter how high the market goes.

Rates are higher, but a portion of your premiums go toward a savings account that builds cash value and gets transferred to your beneficiaries at the end of your life.

Replacement cost renters insurance might sound like a no - brainer, but, as with all premium things, it's got a higher price tag than its actual cash value counterpart.

This translates into higher cash value amounts than you would otherwise be able to get from a whole life policy.

Typically, life insurance policies that are used to supplement retirement benefits provide you with a low death benefit relative to the cash value and premium payments, but offer you a higher cash value than you would otherwise get with a straight whole life or a traditional universal life policy.

Instead of paying the higher premiums to get the cash value, you can save the cost of the premiums and invest the additional money.

Used to preach, buy term, invest the difference... But a permanent death benefit, cash values, tax free loans, tax free lump sum payment to beneficiary, privacy of beneficiary info, very difficult for others to get at your cash value, ability to fund very high amounts with tax benefits, cheaper while you are younger / healthy, paid up additions, Potential less premium with IUL and index gains potential, or Whole Life and pay more for insurance, but higher dividends...

However many are considering buying term life insurance at a lower rate and invest the difference on high - growth products like stocks and mutual funds where the returns are much higher than what you get as accumulated cash value on your whole life insurance.

Whole life policies are designed to generate a «cash value» which helps to defray the higher costs for the insurance company as the insured gets older.

Variable universal life insurance is going to give you the least amount of flexibility in how much you can change your premiums, but it will also give you the highest cap on how much growth you can get from the cash value.

The issue with the rising price of insurance is that the cost can become very high in late policy years, and the owner needs to be prepared to cover these costs either through cash value growth or by paying more into the policy as the insured person gets older.

The «good» news of surrendering PUAs is that because that portion of the coverage is already paid up, its cash value tends to be high relative to the death benefit, which means the policyowner can give up less death benefit to get much more cash value out (at least compared to a partial surrender of the underlying policy itself).

Creating a high cash value life insurance policy gives you the benefit of a policy that grows cash value quickly, that will also grow your death benefit as you get older.

As we mentioned, insurers pay out cash value of the car after depreciation gets factored in, so a new car will have a higher value that makes more sense to get covered.

Hence, you end up paying higher premiums to get your cash value account going.

While some of that added cost will be going into the account in the form of building cash value, the rates you earn on that money may not be as high as what you'd get from investing in stocks or mutual funds.

So, you get more control and potentially higher returns from your cash value.