Sentences with phrase «use some of the cash value»

Practice Tip: If your're using an ILIT, the key question when deciding is whether the trustee will be empowered and the trust itself will therefore benefit to making use of the cash value.

Many policyowners who practice infinite banking or who have a life insurance retirement plan consider making use of the cash value they built up in their policy during their lifetimes.

In addition, the policy holder can use some of the cash value of the policy to pay for insurance premiums.

For example, is the goal to provide the use of cash value to the employee during his / her lifetime as an incentive (golden handcuffs).

The employee - policy owner therefore gets the use of the cash value and thus can take advantage of the benefits offered by infinite banking.

Generally these can be taken under one of three possible non-forfeiture options: (1) surrender for full cash value; (2) use of the cash value to purchase reduced paid - up life insurance; and (3) use of the cash value to purchase extended term insurance in the full face amount of the original policy for as long as the cash value will pay net premiums.

Universal life insurance provides flexibility in your premium payments, flexibility in the use of any cash value within the policy, and ultimately, flexibility in the death benefit.

He's going to continue to fund his whole life policy so that when he retires, he can use some of the cash value to supplement his retirement income.

Certain transactions involving the use of cash value as collateral for a loan or transfer of ownership to a third party with an insurable interest do not involve settlement contracts and do not require compliance with the various settlement regulations.

The only thing that must be understood is that any use of the cash value, whether as a loan to you, or an «Automatic Premium Loan» to the insurer (if you forgot to or stopped making premium payments), disrupts the death benefit payable to the beneficiary.

For example, is the goal to provide the use of cash value to the employee during his / her lifetime as an incentive (golden handcuffs).

Practice Tip: If your're using an ILIT, the key question when deciding is whether the trustee will be empowered and the trust itself will therefore benefit to making use of the cash value.

In conclusion, you practically pay premiums throughout your lifetime and make use of the cash value benefits while you are alive and upon death since your nominees get the death benefits.

The employee - policy owner therefore gets the use of the cash value and thus can take advantage of the benefits offered by infinite banking.

Not exact matches

The aggregated value of cash only takeovers so far in 2018 has risen by 33 percent year - on - year while the value of deals using cash and stock has risen by 221 percent, as companies look to exploit their buoyant share valuations.

If you have any valuable assets (i.e. inventory, equipment, vehicles, electronics, property, contracts, pending invoice payments, etc.) you may be able to sell some of these at market value to generate quick cash, or use them as collateral in obtaining a secured loan.

In some cases, unscrupulous brokers hold «free lunch» seminars in which they offer reckless advice, like recommending retirees cash out of their 401 (k) planor take a lump - sum payment for the cash value of their pension and use the money to open an IRA through them.

The card earns Membership Rewards points, the currency in Amex's loyalty program, which can be exchanged for statement credits or cash back, used to book travel through Amex's travel website, or, to get the most value, transferred to any of 17 airline and three hotel transfer partners (transferable points are among the best).

Purchases of usage subscriptions (including credits, points, and / or virtual currency) or any virtual items made available on the online services are nonrefundable, have no monetary value (i.e., are not a cash account or equivalent), and are purchases of only a limited, non-exclusive, revocable, non-assignable, personal, and non-transferable right to use, even if such came with a durational term (e.g., a monthly subscription).

The most obvious way migrants could use blockchain technology to securely store money while traveling would be to convert cash into digital currency, but Soros dismissed the value of cryptocurrency, making clear he believed its primary appeal was «for tax evasion» and «the rulers of dictatorships.»

Such risks, uncertainties and other factors include, without limitation: (1) the effect of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels of end market demand in construction and in both the commercial and defense segments of the aerospace industry, levels of air travel, financial condition of commercial airlines, the impact of weather conditions and natural disasters and the financial condition of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among other things integration of acquired businesses into United Technologies» existing businesses and realization of synergies and opportunities for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the level of other investing activities and uses of cash, including in connection with the proposed acquisition of Rockwell; (7) delays and disruption in delivery of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits of organizational changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and industries; (12) the outcome of legal proceedings, investigations and other contingencies; (13) pension plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of changes in political conditions in the U.S. and other countries in which United Technologies and Rockwell Collins operate, including the effect of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.

As a simple rule of thumb, if the value of each point is less than 1 cent, use cash and keep your points for a higher - value opportunity.»

The answer is: «Forbes uses a complex algorithm to rank companies by what it calls an «innovation premium,» which is the difference between market capitalization and a net present value of cash flows from existing businesses.

If you have a sizable cash value but don't have a use for it yourself, you may be able to use it increase the amount of money left to your beneficiaries.

Cash was used particularly intensively for low - value transactions, with consumers using cash for around two - thirds of payments under $Cash was used particularly intensively for low - value transactions, with consumers using cash for around two - thirds of payments under $cash for around two - thirds of payments under $ 20.

In fact, when valuing a company or stock, most professional investors use a form of modified free cash flow rather than reported net income applicable to common.

A life insurance policy loan is just a loan from the insurer in which the cash value of your policy is used as collateral.

The cash value behaves like an investment as it grows tax - deferred with interest, as determined by the type of policy, and can be used as collateral for a loan.

Ultimate Rewards (earned from the Sapphire Reserve / Preferred) can be used at a fixed - value when booking through UltimateRewards.com but can also be worth more when transferring to travel partners like Hyatt or United where you pay a fixed number of points in those programs which are not dependent on the cash cost of that room / flight otherwise.

During the boom years of the early and mid-2000s, Roger and Lynda Cruz appear to have used the house as an ATM, taking advantage of its rapidly increasing property value to refinance often and take cash out, real estate records suggest.

Our fourth and final step to gauge the value of a stock is to use our dynamic discounted cash flow model to quantify market expectations for future cash flows of a company.

FCF yield is a measure used to estimate the rate of return of a stock by comparing a company's free cash flow to its overall value.

Shipments containing cash or other means of payment, precious metals, art work, jewelry, watches, precious stones or other articles of value or securities for which, in the event of damage, no stoppage and no cancellation and replacement procedure can be carried out; for the avoidance of doubt the following valuable goods are exempted from this rule: Shipments using the Registered Mail special service, which contain stamps, telephone cards, vouchers for goods and low - value goods in these classes (e.g. fashion jewelry and promotional articles), up to an actual value of 30 Special Drawing Rights of the International Monetary Fund (SDR) per shipment, and individual tickets and entrance tickets;

See, if you're going to use operating earnings to value a company's stock, you have to first subtract out the capital spending (to get free cash flow), discount that to get the enterprise value (the value of both the stock and the debt combined), and then subtract out the debt.

From 2007 through February 2009, the Board determined the fair value of the common stock by using discounted future cash flows under the income method, after considering current rounds of financing.

The process for estimating the fair values of identifiable intangible assets and certain tangible assets requires the use of significant estimates and assumptions, including estimating future cash flows and developing appropriate discount rates.

SMP's compensation committee uses EVA because «the principles of an EVA program have a better statistical correlation with the creation of value for stockholders than a cash incentive program based on performance measures.»

There are plenty of metrics — such as cash flow and debt ratios — that an investor can use to measure value.

The income statement, balance sheet, and statement of cash flows are required financial statements and informative tools that traders can use to analyze a company's financial strength and provide a quick picture of a company's financial health and underlying value.

Since corporations have to deliver cash flows both to stock holders and bondholders, the combined financial claims on a company are often measured using «enterprise value,» which includes the value of both.

In this report, we specifically pointed out that Valeant's history of acquisitions had clearly destroyed value, and it was using non-GAAP metrics to mask free cash flow losses.

If a trader is using leverage he puts a cash deposit into the account then uses a credit line to extend the value of the securities he is able to purchase.

Model 1 - Preservation of Capital Asset allocation models designed for the preservation of capital are largely for those who expect to use their cash within the next twelve months and do not wish to risk losing even a small percentage of principal value for the possibility of capital gains.

As the policyowner accumulates cash value inside the policy, the person can access the cash value, through loans or partial surrenders, which can be used for a variety of personal needs, such as quick cash for an emergency or to help supplement retirement income.

The cash raised by the sale of the tokens, at a face value of 10 cents in fiat currency, will be used to expand GBX's and GSX's FinTech capabilities as well as doubling or trebling current staff levels.

In later life stages, permanent life insurance may offer, depending on the type of policy, the opportunity to accumulate cash value on a tax - deferred accrual basis, money that can be used for diverse needs.

The cash values may be used to supplement the plan, and life insurance death proceeds may be used in the event of the employee's death to pay an income stream to the employee's survivors.

We expect these uses of cash will continue to drive value growth for our companies in 2012 and beyond.

Specifically, each month we reform a Best Value portfolio (picking the asset associated with the most undervalued premium, or cash if no premiums are undervalued) and a Weighted portfolio (weighting assets associated with all undervalued premiums according to degree of undervaluation, or cash if no premiums are undervalued) using the following four assets:

It is, though, a little hard to give cash value to this phrase when we are contemplating creating an embryo, using it for research purposes, and disposing of it at or before fourteen days.