Sentences with phrase «than premiums purchased»

Not exact matches

Mortgage default insurance is required by federal law for all homebuyers making a down payment of 20 % or less; an average Canadian home purchased with 5 % down requires more than $ 10,000 in mortgage insurance premiums.

This means that you can purchase a significant amount of accidental death insurance for a much lower premium than you would pay for a traditional life insurance policy.

But potential tax implications get trickier with bonds purchased in the secondary market at a premium or discount — in other words, investors that paid more or less than the face value of the bond.

the difference between the stated redemption price at maturity (if greater than one year) and the issue price of a fixed income security attributable to the selected tax year; NOTE: Tax reporting of OID obligations is complex; if acquisition or bond premium is paid during the purchase, or if the obligation is a stripped bond or stripped coupon, the investor must compute the proper amount of OID; refer to IRS Publication 1212, List of Original Issue Discount Instruments, to calculate the correct OID

As readers of PAR's holiday card may have noted, I now view cash the way Buffett's biographer believes Buffett views it: Cash is an option on thousands of companies and each option has no strike price, no expiration date, and no premium cost other than the lost purchasing power due to inflation.

Purchasing premium ingredients, organic produce or buying from local farms will run up the food bill more so than bulk purchases from food distributors.

«Whether you are an aficionado or just beginning to explore the world of premium spirits, the Distiller's Showcase of Premium Spirits is the perfect opportunity to sample and purchase more than 400 of the world's finest whiskies, tequilas, vodkas, rum and much, much more,» said NHLC Chairman Joseph Mollica.

New Yorkers - both individuals and businesses - that purchase health insurance currently pay more than $ 3.1 billion in health taxes through the Covered Lives Assessment; the (HCRA) hospital services surcharge; the Insurance Department Section 332 industry - wide assessments that fund Department operations and are also suballocated to other agencies and programs; and the 1.75 percent premium tax.

I had every intention of doing my taxes this weekend, until I got to my 1095 - A (a form that everyone who purchases their insurance through the Marketplace gets) and realized they only put in my premium payments for January and February, even though I most DEFINITELY made a lot more premium payments than that!

But of course, there is also a premium currency that can be purchased and used to make things easier on the player, which more than likely explains the online requirement better than anything else might.

Half of the problem While at BESA, we continue to encourage schools to consider the total cost of ownership and not just the initial price tag, it is important to remember that there are lower cost tablet devices available, rather than having to pay the premium price tag for the big name consumer brands; some offer schools the ability to purchase twice as many devices for the same cost of another brand and as long as they are BESA members they are more likely to be good products.

That $ 8900 difference more than offsets the truck's astronomical initial purchase premium (an average of $ 6600).

At GMC, more than half of Sierra HD customers and more than 70 percent of Yukon customers purchase premium Denali models.

The diesel variant also costs $ 5,250 more at purchase than the comparably equipped 2.5 L, leading to significant cost premium for the diesel option when assessed over the first 5 - years of ownership.

The diesel variant also costs $ 5,250 more at purchase than the comparably equipped 2.5 L, leading to a combined 14 % cost premium for the diesel option when assessed over the first 5 - years of ownership.

The diesel will also save over $ 500 in fuel costs over the V6 in the first 60 - months of ownership, however the diesel still costs 9 % more than the V6 variant given the $ 3,730 price premium paid at purchase.

If you were to purchase the Fire HD 6 for $ 99 and then try to outfit it yourself with the goodies that Amazon adds with the Kids Edition — this case and a full year of kid - friendly content — you'd be paying more than the $ 50 premium this will cost you compared with the standard version of the tablet.

If that isn't enough, hybrid publishers set the price for the book (often higher than market value) and charge you a premium for the books you purchase.

footnote ** IRA distributions received before you're age 59 1/2 may not be subject to the 10 % federal penalty tax if the distribution is due to your disability or death; is distributed by a reservist who was ordered or called to active duty after September 11, 2001, for more than 179 days; or is for a first - time home purchase (lifetime maximum: $ 10,000), postsecondary education expenses, substantially equal periodic payments taken under IRS guidelines, certain unreimbursed medical expenses, an IRS levy on the IRA, or health insurance premiums (after you've received at least 12 consecutive weeks of unemployment compensation).

Pay taxes on the smaller amount (the premium) rather than the bigger amount (the maternity leave benefit) to make the most of this policy purchase decision.

However, since there's no medical exam, premiums will be significantly higher than if you purchased a policy from an insurer with full underwriting.

As you are considering purchasing insurance, consider a few factors: first, females generally cost less than males to insure; second, shop around for insurance companies that offer discounts for driver's education classes, good grades, and driving logs; third, as you are insuring teenage drivers, your premiums will be lower if the drivers are occasional drivers; fourth, teenagers have a high accident rate, so consider purchasing high liability coverage and lower comprehensive coverage; and fourth, the type of car teenagers drive — whether it is new, sporty, or exotic — will also determine the premiums.

Your insurance company can not cancel your policy more than 60 days after it was purchased unless you fail to pay your premium, commit fraud, significantly alter your home so that the carrier deems it is no longer insurable, or if the home is vacant.

This means that you can purchase a significant amount of accidental death insurance for a much lower premium than you would pay for a traditional life insurance policy.

When the coupon is higher than the YTM, it means the bonds were purchased at a premium, and they will suffer small capital losses when they mature.

These costs may include a land transfer tax (an escalating levy that rises to 2 % of the purchase price), a bank appraisal fee ($ 300), legal fees (roughly $ 1,200), as well as a high - ratio mortgage insurance premium, which is required if you make a down payment of less than 20 %.

That's because virtually all the bonds in a broad - based ETF today were purchased at a premium — in other words, for more than face value.

And to realize profit, for example if you purchased a call option the underlying price must be more than the strike price added to the premium.

In a bull call spread, the premium paid for the call purchased (which constitutes the long call leg) is always more than the premium received for the call sold (the short call leg).

Premiums are level for the entire length of coverage and you can purchase a policy with no medical exam if the death benefit isn't greater than $ 400,000.

This means that if you know that you want coverage for a longer period of time, you'll pay a higher average premium with Colonial Penn than if you purchased a longer term policy elsewhere (such as a 10 - year or 20 - year term) since your risk profile increases with age.

It says that in a conversion occurring soon after the purchase of an annuity, the value of the annuity is established by the premiums used to purchase the annuity rather than its cash surrender value.

In contrast, portfolio of large companies purchased when they traded at a 25 percent premium to the market performed.3 percent a year worse than the market over the next 5 years.

In developed markets, the right to a certain return of capital is actually costing anywhere from — 1.5 % to — 0.5 % per year in real purchasing power.1 On the other hand, real yields in many of the larger emerging market economies reside solidly in positive territory — returning anywhere from about a 1 % premium over inflation in Mexico and Russia to more than 6 % in the case of Brazil.

This option not only allows two individuals to be insured on the same whole life insurance policy, but it also typically has a lower amount of overall premium cost than will purchasing two separate life insurance policies of corresponding value.

However, whole life insurance premiums are more expensive than term life insurance because of the additional cash component and would need to be considered when deciding on purchasing a whole life insurance policy.

Rather than purchasing a real estate investment at the retail level — which is bloated with the inefficiencies and premiums of one financial institution after another — Fundrise offers a vertically - integrated system, directly connecting real estate investment opportunities to investors.

If you primarily wanted coverage to replace your income before you retired or cover certain expenses, like a mortgage, we wouldn't recommend converting to a permanent policy as you'll pay higher premiums than if you purchased a new term policy.

When bonds are purchased at a premium (greater than $ 1,000 per bond), a prorated portion of the amount over par can be deducted yearly on the purchaser's tax return.

It's not just your age that factors in your life insurance premiums going up, getting insurance at 40 will benefit you even better than waiting to purchase life insurance over 50.

Cons: This tool with calculate the premium you owe to pay for mortgage loan insurance, even if you put more than 20 % down on a home to purchase.

If a car is worth less than $ 1,000, or less than 10 times the insurance premium, purchasing these coverages may not be cost effective — but you do need to have collision and comprehensive insurance to fully protect your vehicle from all types of damage.

The cost of such a liquidation purchase plus transactions costs may be greater than the premium received upon the original option, in which event a Fund will have paid a loss in the transaction.

Lenders will typically require you to buy PMI if your loan - to - value ratio is more than 80 % — your down payment was less than 20 % of the purchase price — and will continue to charge you this premium until it dips to 78 %.

Options on futures are similar to options on underlying instruments except that options on futures give the purchaser the right, in return for the premium paid, to assume a position in a futures contract (a long position if the option is a call and a short position if the option is a put), rather than to purchase or sell the futures contract, at a specified exercise price at any time during the period of the option.

Sure, they are typically safe as a vault and just as sturdy, but with a price tag four times higher than your first economy car, you'll probably want to make sure your premium purchase makes at least some sort of financial sense.

For instance, in early 2015, the Canada Mortgage and Housing Corporation raised premiums on high loan - to - value mortgages — mortgages, where the buyer puts less than 20 % down to purchase the house — not once, but twice.

Instead, a few arm's length government agencies implemented their own changes, including the increasing premiums on high loan - to - value mortgages — mortgages, where the buyer puts less than 20 % down to purchase the house, and raising the minimum down payment on homes valued at $ 500,000 or more (for more on how these new minimum down payments work, go here), so that anyone purchasing a home after Feb. 15, 2016 would need a larger down payment.

When the price is inferior to par, the bond is said to have been purchased at a discount; when the price is higher than par, it is said to be at a premium.

This is because a point surcharge is added for tickets purchased less than six months in advance, and a premium is added to the number of points needed in peak periods.