Sentences with phrase «investment guaranteed investment contracts»

Not exact matches

Advisors say diversify your investments, keep contracts simple, familiarize yourself with the guarantees and shop around.

The terms and prices of variable annuities were much better before the financial crisis, but the rationale for a contract that guarantees an income stream while allowing for some participation in potential growth in the investment markets remains intact, according to Mark Cortazzo, senior partner at Macro Consulting Group.

Investing in a variable annuity involves risk of loss — investment returns and contract value are not guaranteed and will fluctuate.

This includes Treasury bills, guaranteed investment contracts and the like.

Mr. Salem periodically asks trustees and investment officers of these charities to imagine they can swap all their assets in exchange for a contract that guarantees them a risk - free return for the next 50 years, while also satisfying their current spending needs.

An annuity is an insurance contract, and the issuing insurance company provides some type of guarantee on your investment.

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.

Time for some brutal honesty... this team, as it stands, is in no better position to compete next season than they were 12 months ago, minus the fact that some fans have been easily snowed by the acquisition of Lacazette, the free transfer LB and the release of Sanogo... if you look at the facts carefully you will see a team that still has far more questions than answers... to better show what I mean by this statement I will briefly discuss the current state of affairs on a position - by - position basis... in goal we have 4 potential candidates, but in reality we have only 1 option with any real future and somehow he's the only one we have actively tried to get rid of for years because he and his father were a little too involved on social media and he got caught smoking (funny how people still defend Wiltshire under the same and far worse circumstances)... you would think we would want to keep any goaltender that Juventus had interest in, as they seem to have a pretty good history when it comes to that position... as far as the defenders on our current roster there are only a few individuals whom have the skill and / or youth worthy of our time and / or investment, as such we should get rid of anyone who doesn't meet those simple requirements, which means we should get rid of DeBouchy, Gibbs, Gabriel, Mertz and loan out Chambers to see if last seasons foray with Middlesborough was an anomaly or a prediction of things to come... some fans have lamented wildly about the return of Mertz to the starting lineup due to his FA Cup performance but these sort of pie in the sky meanderings are indicative of what's wrong with this club and it's wishy - washy fan - base... in addition to these moves the club should aggressively pursue the acquisition of dominant and mobile CB to stabilize an all too fragile defensive group that has self - destructed on numerous occasions over the past 5 seasons... moving forward and building on our need to re-establish our once dominant presence throughout the middle of the park we need to target a CDM then do whatever it takes to get that player into the fold without any of the usual nickel and diming we have become famous for (this kind of ruthless haggling has cost us numerous special players and certainly can't help make the player in question feel good about the way their future potential employer feels about them)... in order for us to become dominant again we need to be strong up the middle again from Goalkeeper to CB to DM to ACM to striker, like we did in our most glorious years before and during Wenger's reign... with this in mind, if we want Ozil to be that dominant attacking midfielder we can't keep leaving him exposed to constant ridicule about his lack of defensive prowess and provide him with the proper players in the final third... he was never a good defensive player in Real or with the German National squad and they certainly didn't suffer as a result of his presence on the pitch... as for the rest of the midfield the blame falls squarely in the hands of Wenger and Gazidis, the fact that Ramsey, Ox, Sanchez and even Ozil were allowed to regularly start when none of the aforementioned had more than a year left under contract is criminal for a club of this size and financial might... the fact that we could find money for Walcott and Xhaka, who weren't even guaranteed starters, means that our whole business model needs a complete overhaul... for me it's time to get rid of some serious deadweight, even if it means selling them below what you believe their market value is just to simply right this ship and change the stagnant culture that currently exists... this means saying goodbye to Wiltshire, Elneny, Carzola, Walcott and Ramsey... everyone, minus Elneny, have spent just as much time on the training table as on the field of play, which would be manageable if they weren't so inconsistent from a performance standpoint (excluding Carzola, who is like the recent version of Rosicky — too bad, both will be deeply missed)... in their places we need to bring in some proven performers with no history of injuries... up front, although I do like the possibilities that a player like Lacazette presents, the fact that we had to wait so many years to acquire some true quality at the striker position falls once again squarely at the feet of Wenger... this issue highlights the ultimate scam being perpetrated by this club since the arrival of Kroenke: pretend your a small market club when it comes to making purchases but milk your fans like a big market club when it comes to ticket prices and merchandising... I believe the reason why Wenger hasn't pursued someone of Henry's quality, minus a fairly inexpensive RVP, was that he knew that they would demand players of a similar ilk to be brought on board and that wasn't possible when the business model was that of a «selling» club... does it really make sense that we could only make a cheeky bid for Suarez, or that we couldn't get Higuain over the line when he was being offered up for half the price he eventually went to Juve for, or that we've only paid any interest to strikers who were clearly not going to press their current teams to let them go to Arsenal like Benzema or Cavani... just part of the facade that finally came crashing down when Sanchez finally called their bluff... the fact remains that no one wants to win more than Sanchez, including Wenger, and although I don't agree with everything that he has done off the field, I would much rather have Alexis front and center than a manager who has clearly bought into the Kroenke model in large part due to the fact that his enormous ego suggests that only he could accomplish great things without breaking the bank... unfortunately that isn't possible anymore as the game has changed quite dramatically in the last 15 years, which has left a largely complacent and complicit Wenger on the outside looking in... so don't blame those players who demanded more and were left wanting... don't blame those fans who have tried desperately to raise awareness for several years when cracks began to appear... place the blame at the feet of those who were well aware all along of the potential pitfalls of just such a plan but continued to follow it even when it was no longer a financial necessity, like it ever really was...

The helium industry is capital - intensive and suppliers rely on long - term contracts to guarantee a return on investments, said Nicholas Haines, head of global helium source development for Linde North America in Murray Hill, New Jersey, one of only four companies with a refinery connected to the federal helium reserve.

In addition to the activities described above, the FAST Act expanded eligible purposes to include financing economic development, including commercial and residential development, and related infrastructure and activities, that (i) incorporate private investment, (ii) is physically or functionally related to a passenger rail station or multimodal station that includes rail service, (iii) has a high probability of the applicant commencing the contracting process for construction not later than 90 days after the date on which the RRIF loan or loan guarantee is obligated, and (iv) has a high probability of reducing the need for financial assistance under any other Federal program for the relevant passenger rail station or service by increasing ridership, tenant lease payments, or other activities that generate revenue exceeding costs (Transit - Oriented Development Projects or TOD Projects).

Within the realm of stable value, traditional guaranteed investment contracts (GICs) have frequently been misunderstood and little used — despite their attractive characteristics.

Because of the accounting rules, insurance contracts could be valued at book, not market, and so Guaranteed Investment Contracts [GICs] were sold to 401 (k) and other contracts could be valued at book, not market, and so Guaranteed Investment Contracts [GICs] were sold to 401 (k) and other Contracts [GICs] were sold to 401 (k) and other DC plans.

The Guaranteed Transfer Withdrawal Rate is applied to all investment option transfers from the Non-Personal Income Benefit Investment Options to the Personal Income Benefit variable investment options, contributions made in a lump sum (including amounts attributable to contract exchanges and direct transfers from other funding vehicles under the Plan) and investment option transfers from the Non-Personal Income Benefit Investment Options to the Personal Income Benefit variable investment options, contributions made in a lump sum (including amounts attributable to contract exchanges and direct transfers from other funding vehicles under the Plan) and Investment Options to the Personal Income Benefit variable investment options, contributions made in a lump sum (including amounts attributable to contract exchanges and direct transfers from other funding vehicles under the Plan) and investment options, contributions made in a lump sum (including amounts attributable to contract exchanges and direct transfers from other funding vehicles under the Plan) and rollovers.

This would supposedly give more protection to those buying insurance or GICs [Guaranteed Investment Contracts] from them.

Those might include a menu of stock and bond mutual funds, money - market funds, guaranteed investment contracts (GICs), and other vehicles.

For all participants, 44.0 percent of the total plan balance is invested in equity funds, 19.1 percent in employer stock, 15.1 percent in guaranteed investment contracts (GICs), 7.8 percent in balanced funds, 6.8 percent in bond funds, 5.4 percent in money funds, 0.8 percent in other stable value funds, and 1.0 percent in other or unidentified investments.

Of the $ 650K, the suggested breakdown for proposed investment product allocation is: (1) $ 290K - Fixed Index Annuity Contract, with guaranteed income rider.

Investing in a variable annuity involves risk of loss — investment returns and contract value are not guaranteed and will fluctuate.

«In addition, as a result of the portfolio rebalancing that we began in the second quarter, we have sufficient liquidity to meet all termination payments due on our Guaranteed Investment Contracts as a result of the downgrade,» he said.

The Louisiana State and Adams County Industrial Revenue Bonds are backed by Guaranteed Investment Contracts, or GICs, issued by Executive Life Insurance Company of California («Executive Life»).

In 1994, I sold GICs (Guaranteed Investment Contracts) like mad after the first Fed tightening, and ran unhedged.

A lawsuit has been filed on behalf of retirement plan participants who have invested in guaranteed investment contract (GIC) accounts provided by United of Omaha Life Insurance Company.

Specifically, 53 percent of plan balances are invested in equity funds, 19 per - cent in company stock, 10 percent in guaranteed investment contracts (GICs), 7 percent in balanced funds, 5 percent in bond funds, 4 percent in money funds, and 1 percent in other stable value funds.

The Institutional Products department at Jackson National sells medium - term notes, funding agreements, and guaranteed investment contracts — to banks, investors and pension providers.

Mr. Salem periodically asks trustees and investment officers of these charities to imagine they can swap all their assets in exchange for a contract that guarantees them a risk - free return for the next 50 years, while also satisfying their current spending needs.

The Retirement segment manufactures and distributes products and provides administrative services for qualified and non-qualified retirement plans and offers guaranteed investment contracts, funding agreements, institutional and retail notes, structured settlement annuities and group annuities.

The major insurance companies of that period were deeply at fault in this as well, largely driven by the need to issue 5 - year Guaranteed Investment Contracts [GICs] to rapidly growing stable value funds of defined contribution plans.

That's a noble thought, but were GICs [Guaranteed Investment Contracts] exotic back in 1989 - 1992?

It was winter in early 1995, and I was wondering if I still had a business selling Guaranteed Investment Contracts [GICs].

Consider Mutual Benefit, which wrote fixed - rate GICs [Guaranteed Investment Contracts] putable on a ratings downgrade, or General American and ARM Financial, which wrote floating - rate GICs putable on a ratings downgrade.

General American wrote a bunch of floating rate Guaranteed Investment Contracts that had 7 - day put provisions after a ratings downgrade.

Taking advantage of the good opinion that the raters had of the industry, many life insurance companies issued Guaranteed Investment Contracts [GICs] to institutions for their Defined Benefit and Defined Contribution pension plans.

A guaranteed minimum income benefit could help ensure that when the contract owner is ready to collect retirement income payments, they would be based on a minimum payout base even if poor market performance lowers the value of the underlying investments.

Manulife Investments Guaranteed Interest Contract (GIC), with their guaranteed interest rates, can deliver growth you canGuaranteed Interest Contract (GIC), with their guaranteed interest rates, can deliver growth you canguaranteed interest rates, can deliver growth you can count on.

Many employer retirement plans offer annuity contracts as investment alternatives for participants because of their insurance guarantees and flexible terms.

The plaintiffs pointed to guaranteed investment contracts (GICs) as an example.

An annuity is a contract that guarantees a series of payments in exchange for a single lump sum investment or series of investments.

1) Insurers that made their Guaranteed Investment Contracts [GICs] putable on ratings downgrades.

Corporate spreads tightened; I remember that it was difficult to get good yields for my Guaranteed Investment Contract [GIC] business back then.

The fund enters into guaranteed investment contracts (GICs) with insurance companies which invest in government and corporate bonds and mortgages.

In my career, I have run a GIC (Guaranteed Investment Contract) desk at an insurer, designed one stable value fund, and helped administer and invest for several others.

When you attach a guarantee (rider) to a variable annuity contract, your investment choices are limited in order to lessen the risk for the carrier.

A contract issued by an insurance company that guarantees a specific rate of return on an investment over a certain time period.

Term deposits, including Guaranteed Investment Contracts (GICs), with original terms to maturity of five years or less are eligible for CDIC insurance.

Guaranteed Investment Contract.

The Feed in Tariff is a policy mechanism designed to accelerate investment in Renewable Energy, the California FiT allows eligible customers generators to enter into 10 - 15 - 20 - year contracts with their utility company to sell the electricity produced by renewable energy, and guarantees that anyone who generates electricity from R E source, whether Homeowner, small business, or large utility, is able to sell that electricity.

First, most of the guarantees went to support projects that have very secure contracts to sell their power to investment - grade rated utilities.

If the annuity is a life annuity with a refund or period - certain guarantee, a special adjustment must be made to the investment in the contract.

Many employer retirement plans offer annuity contracts as investment alternatives for participants because of their insurance guarantees and flexible terms.

However, if you have a guaranteed - price contract from your funeral director, he takes on the market risk from the trust and must provide the services you selected no matter how well the trust's investments performed.