«Some of the deals being done are very large, and it does make sense, especially if there
is a cash component to it, that there will be some hedging,» says Merk.
It is the cash component that makes IULs differ from VULs (Variable Universal life) and ULs (Universal life).
Within universal life policies, there
is a cash component as well as an insurance component.
Not exact matches
Important factors that could cause actual results to differ materially from those reflected in such forward - looking statements and that should
be considered in evaluating our outlook include, but
are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost of accommodating, announced increases in the build rates of certain aircraft; 6) the effect on aircraft demand and build rates of changing customer preferences for business aircraft, including the effect of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result of global economic uncertainty or otherwise; 8) the effect of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange rates; 9) the success and timely execution of key milestones such as the receipt of necessary regulatory approvals, including our ability to obtain in a timely fashion any required regulatory or other third party approvals for the consummation of our announced acquisition of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts of terrorism; 14) any adverse impact on the demand for air travel or our operations from the outbreak of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension plan assets and the impact of future discount rate changes on pension obligations; 17) our ability to borrow additional funds or refinance debt, including our ability to obtain the debt to finance the purchase price for our announced acquisition of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect of changes in tax law, such as the effect of The Tax Cuts and Jobs Act (the «TCJA») that
was enacted on December 22, 2017, and changes to the interpretations of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect of such changes; 21) any reduction in our credit ratings; 22) our dependence on our suppliers, as well as the cost and availability of raw materials and purchased
components; 23) our ability to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our
cash flows and our credit facility may not
be adequate for our additional capital needs or for payment of interest on, and principal of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness of any interest rate hedging programs; 28) the effectiveness of our internal control over financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and other business disruptions for ourselves and Asco as a result of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks of doing business internationally, including fluctuations in foreign current exchange rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among other things.
In addition to the U.S. tax benefits, the Dow
component is in the middle of an aggressive cost savings campaign — called «Business Transformation» — designed to curb operating expenditures to free up
cash.
In addition to the U.S. tax benefits, the Dow
component is in the middle of an aggressive cost savings campaign to curb operating expenditures to free up
cash.
A target - date fund
is only as good as its underlying
components, which tend to
be other mutual funds that cover stocks, bonds and
cash.
Adjusted Net Income
is defined as net income excluding (i) franchise agreement amortization, which
is a non-
cash expense arising as a result of acquisition accounting that may hinder the comparability of our operating results to our industry peers, (ii) amortization of deferred financing costs and debt issuance discount, a non-
cash component of interest expense, and (gains) losses on early extinguishment of debt, which
are non-
cash charges that vary by the timing, terms and size of debt financing transactions, (iii)(income) loss from equity method investments, net of
cash distributions received from equity method investments, (iv) other operating expenses (income), net, and (v) other specifically identified costs associated with non-recurring projects.
Profitability and
cash flow
are essential
components.
If you
are older and want a permanent life insurance policy, perhaps to cover estate taxes or leave an inheritance, guaranteed universal life insurance provides lifelong coverage with little to no
cash value
component.
Since there
's little
cash value
component to it, guaranteed universal life insurance
is typically the best option if you
're interested in permanent coverage without an investment
component.
The majority of permanent life insurance policies also have a
cash value
component, which
is similar to an investment account.
The amounts represent target
cash bonus amounts payable at the time the grants of awards
were made and assume the achievement of the corporate and individual
components at the target level for 2013.
Commodity tokens comprise the largest chunk, at 47 percent, but that
's because the index
components are Bitcoin, Bitcoin
cash, Litecoin, Monero and Zcash.
Cash value
is the savings
component of a permanent life insurance policy.
However, investors
are much better off placing the
cash component of their portfolios into the money market, which offers interest income while still retaining the safety and liquidity of
cash.
These policies all generally have a
cash value
component, which
is essentially the surrender value of the policy (if you give it up before its maturity or your death), and
is the primary reason permanent life insurance policies
are more expensive than term policies.
There
's generally no
cash value
component as you'd find with permanent policies, meaning it
's less expensive, but this policy offers what
is essentially lifetime coverage with level premiums.
But earnings
are a
component of
cash flow, and evaluating future free
cash flows has its benefits.
He also said the board had decided not to proceed with Bega's offer because it
was predominantly made up of Bega scrip, with a small
cash component.
Osinbajo said the Social Investment Programme launched in 2016 — comprising a jobs scheme for unemployed graduates, a feeding programme for public primary school pupils, a micro-credit scheme for small businesses, and a
cash transfer scheme for our poorest and most vulnerable households,
is a key
component of the Economic Recovery and Growth Plan.
Olatunbosun noted that the refund
was neither subject to any deduction over debts nor having any local government
component that would make the
cash shared to Ekiti State to
be less than N9.6 bn as published by the Federal Government.
But in the years since, the picture has become a perennial
cash cow for Disney, with a massive merchandising
component and a semi-regular theatrical re-release pattern that
is unusual in today's film climate.
As with many Japanese cars, the options list
is short, with only various exterior carbonfibre
components threatening to rid you of yet more hard earned
cash at the dealer.
There
are no specifics yet regarding price, but other titles by this developer have hit the Play Store with a zero dollar price - tag (though apparently there
is also a collectible card game
component, so you can bet there will
be a host of in - app purchases available for those willing to spend a little
cash).
What
's more, Apple seems to
be shelling out
cash for 7.1 - inch screen
components.
Apple
is securing current and future
components with huge
cash which means that even if a company builds a better device they will not have the parts to manufacture very many.
Plastic Logic, the failed ereader company which nearly went bust trying to prove one could print electronic
components onto plastic,
is targeting diminutive displays with a new driver from Epson as it continues spending Russian
cash.
In the past I thought I
was a lone wolf trying to get a decent return on my
cash component.
Universal life insurance
is similar to whole life insurance in that a portion of your monthly premiums go toward a savings
component of the policy, called the «
cash value.»
One, the
cash component of deals, and two, the reaction of the market as deals
are announced.
Even if you
're a fan of active management, you could cut your fees by a third simply by investing in an actively managed fund for the stock
component of your portfolio, buying a low - cost bond fund or an ETF for the fixed - income portion of your portfolio, and holding your
cash in a high - interest bank account or money market fund.
The logic goes that the main selling point of whole life insurance — that you get an insurance policy along with a
cash - value
component that acts as forced savings —
is actually a poor decision, and you'd
be better off buying a cheaper term life insurance policy and investing the money you save elsewhere with a better return and lower fees.
Term
is the most common and most affordable; permanent policies
are more expensive but have extra perks, like an investment - style
cash component.
Cash value
is the savings
component of a permanent life insurance policy.
Yes the
cash flow might
be equal to what you get in a REIT, but there
are other
components of rental property return.
Term insurance
is basic, generally inexpensive coverage with premiums that increase over time and no
cash value
component.
In this sense it
is «pure» insurance without any
cash value
component.
The primary differences between the two policies
are the cost, the duration of coverage, and that whole life insurance includes a
cash value
component.
There
's no investment or
cash accrual
component to term life either.
These policies have a
cash value
component that grows over time and in some cases can
be a better investment.
People often think of permanent life insurance, which carries a
cash value
component, as an investment vehicle — but a lot of that you put it into that
is supposed to
be for the «investment» side of it
is spent on fees.
All these policies
are significantly more expensive, easily 10 times the cost of term insurance, because they offer lifetime coverage and have a
cash value
component.
However, if you need both term and permanent coverage, but aren't interested in the
cash value
component, you should also consider combining guaranteed universal coverage and term coverage.
Aside from the length of coverage, the main difference that defines whole life insurance
is that it contains a savings
component that builds
cash over your life out of the monthly premiums you pay.
These policies all generally have a
cash value
component, which
is essentially the surrender value of the policy (if you give it up before its maturity or your death), and
is the primary reason permanent life insurance policies
are more expensive than term policies.
There
's generally no
cash value
component as you'd find with permanent policies, meaning it
's less expensive, but this policy offers what
is essentially lifetime coverage with level premiums.
Guaranteed universal life insurance
is the cheapest way for seniors to get permanent life insurance coverage, as policies typically have little to no
cash value
component.
And their bond slice
is acting more and more like a true
cash component.
The targeted equity
component follows the S&P 500 index, the fixed income reserve
component is made up of the most recent 5 - year Treasury note, and the
cash component tracks a 0 - 3 month T - bill index.