Sentences with phrase «income at a guaranteed rate»

Not exact matches

Many lower - income Canadians, meanwhile, would be better off avoiding PRPPs, which would see their Old Age Security and Guaranteed Income Supplement benefits clawed back at higher tax income Canadians, meanwhile, would be better off avoiding PRPPs, which would see their Old Age Security and Guaranteed Income Supplement benefits clawed back at higher tax Income Supplement benefits clawed back at higher tax rates.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

Thinking that you have a deferred guaranteed annual income stream is decieving as the issuer can call the bonds and will discount the bond at a much higher rate than the coupon interest rate.

USDA requires borrowers earn less than 80 percent of the adjusted median income for their household size to get a subsidized mortgage funded directly by the government, and less than or equal to 115 percent of the median for a guaranteed mortgage at market rates from a private lender.

If you expect to receive the low - income Guaranteed Income Supplement and retire before 65, you're generally best off starting CPP immediately at a reducedincome Guaranteed Income Supplement and retire before 65, you're generally best off starting CPP immediately at a reducedIncome Supplement and retire before 65, you're generally best off starting CPP immediately at a reduced rate.

David Blanchett, the Head of Retirement Research at Morningstar, recently published this study on the impact of guaranteed income on safe withdrawal rates from portfolios.

To do that, you'll want to go through a rigorous retirement - income planning process that starts with thinking seriously about how you'll live in retirement and then moves on to such tasks as making a retirement budget; assessing different strategies for claiming Social Security benefits; considering whether you want more guaranteed income than Social Security alone offers (which is where an annuity might play a role); and, settling on a withdrawal rate that has a reasonable shot at making your savings last as long as you do.

Deferred annuities allow you to save money in a place where it will grow at a guaranteed rate and the growth will not be taxed until you take your money out.Money not previously taxed is taxed as income when withdrawn.

Fixed annuities are tax - deferred * retirement vehicles issued by insurance companies that grow at a guaranteed rate and offer you the opportunity to turn some or all of your savings into guaranteed income payments for life, or for a set period.

Inflation Protection: You can opt to have your annuity income be guaranteed to keep pace with inflation or grow at a preset rate.

But don't assume that there's some magic formula or withdrawal rate that can generate the income you need while guaranteeing you won't run short on savings or end up with more assets than you need at the end of your life.

Some income riders grow at a contractually guaranteed rate during the deferral years for future lifetime income.

When you accumulate over time, you typically get better rates and the benefits of vesting and compounding, as opposed to investing in a guaranteed income option at the point of retirement.»

Guaranteed Standard Issue Give employers a way to attract and retain highly compensated employees with income protection at discounted rates and with no medical underwriting.

Let's assume I pose the following set of facts: 1) I need to plan for a 60 year retirement, 2) I want to have at the end of Year 60 100 % of my original balance (inflation adjusted obviously), 3) Only 10 % of my savings / investments is in tax deferred accounts (e.g., the bulk are in a taxable accounts), 4) I need a 6 % withdrawal rate pre-tax, and 5) I am indifferent to strategy (VII, etc) and asset choices (annuity vs. dividend blend vs. income, etc) but to guarantee the goals above.

Other highlights of the Guaranteed Account for 457 (b) and 403 (b) plans include complete guarantees of principal and interest (not found in all stable value accounts); rates declared in advance semiannually with a 1 % minimum rate guarantee; full liquidity (participants can transfer into and out of this account without restrictions or penalties); and an option to convert to guaranteed lifetime income at rGuaranteed Account for 457 (b) and 403 (b) plans include complete guarantees of principal and interest (not found in all stable value accounts); rates declared in advance semiannually with a 1 % minimum rate guarantee; full liquidity (participants can transfer into and out of this account without restrictions or penalties); and an option to convert to guaranteed lifetime income at rguaranteed lifetime income at retirement.

Guaranteed Standard Issue Consider yourself fortunate if your employer offers income protection insurance at discounted rates and with no medical underwriting.

As long as the government does not drop income taxes in the future, at current rates for say a 65 male you need to get 6 % to 8 % guaranteed.

Put in place a deferred annuity with a contractually guaranteed growth rate utilizing a rider (added benefit) that can be used for a lifetime income stream at a future date to cover health costs.

Since 1951, Auburn has enrolled Kentucky students through a program managed by the Southern Regional Education Board, or SREB, by which a set number of seats in each incoming class at the college is reserved for Kentucky students, and guarantees that Auburn charges Kentucky students in - state rates, with the commonwealth providing Auburn the tuition difference.

These are properties where the developer offers guaranteed rental income for the first 24 - 36 months that begins immediately at a specified annual rate of return.

A valuable guaranteed income often offered by your own pension scheme or provider if you take a lifetime annuity with them, it's usually at a competitive rate which may be hard to match by shopping around.

Many policies guarantee that something called your «benefit base» or «income base» will grow at a fixed rate of return.

Offers guaranteed returns with an upside, opt for an additional protection at competitive rates, offers free administrative hassles of the scheme.Section 80C and 10 (10D) under the Income Tax Act, provides tax benefits for premiums paid regularly

You have to pay premium for few years and you get guaranteed benefits like regular income at an attractive rate of 11 % - 13 % p.a., lump sum amount on maturity and life cover throughout the policy term.

Commuting the maturity proceeds as a lump sum amount to the extent allowed under Income Tax act and balance amount to be utilised to purchase an immediate annuity from Future Generali India Life Insurance Co. Ltd. (FGILICL), which shall be guaranteed for life, at the then prevailing annuity rate.

Commuting the proceeds as a lump sum amount to the extent allowed under Income Tax act and utilizing the remaining amount to purchase an Immediate Annuity (guaranteed for life) from Future Generali India Life Insurance Co. Ltd. at the then prevailing annuity rate

Option 2: Receive 50 % of the Guaranteed Death Benefit as a lump sum and 0.42 % of Guaranteed Death Benefit as monthly income for the next 10 years increasing at 8.50 % p.a. (simple rate) every year starting from the policy anniversary following the date of death of the life insured

a) Option to commute to the extent allowed under Income Tax Act and to utilize the balance amount to purchase immediate annuity with the same insurer, which will be guaranteed for life, at the then prevailing annuity rate, or

The excess income earned in the Discontinuance Policy Fund over and above the minimum guaranteed interest rate shall also be apportioned to the Discontinuance Policy Fund in arriving at the proceeds of the discontinued policies and shall not be made available to the Company.

So you have a young couple, not guaranteed any ability to move their family income up at the same pace that interest rates might increase.