Sentences with phrase «value additions to interest»

As a not - for - profit, mutual, membership association, all «profits» made by the company are returned to the members, policy owners or the association through cash - value additions to interest - sensitive whole life policies, term refunds for eligible term policies, increased services, and increases to the insurance reserves.

Not exact matches

In any case, in addition to the court - determined fair value price, the plaintiff also gets accrued interest of 5 % over the federal funds rate.

These positive earnings drivers were more than offset by the combined impact of several factors, including increased energy - related provisions for credit losses, a 17 basis point decline in net interest margin, moderate growth of non-interest expenses, the addition of acquisition - related contingent consideration fair value changes reflecting performance within CWB Maxium Financial (CWB Maxium), higher preferred share dividends, and the 20 % increase to CWB's income tax rate in Alberta.

In addition to its practical value, it is also an interesting educational tool.

In addition to low interest rates, unlike government loans, conventional loans at 80 % loan - to - value will have no mortgage insurance or funding fees.

The first aspect to consider is whether the card itself represents good value in terms of the available limit, the interest rate charged and any fees, in addition to costs that might be incurred for general maintenance of the account.

In addition to editing VII, which we find to be one of the most interesting value investor publications, John teaches investing at the University of Alabama.

SCCU was specifically interested in working with Pique because of the valuable experience Bonnie could bring to the table, in addition to our aligned organizational values.?

The conclusion just reached suggests that supposedly value - free political science has had value commitments in spite of itself, at least to the extent that it affirms happiness to be a private matter.5 In addition, I am persuaded that political science explicitly based upon a preferential view of self - interest always implicitly invokes an objective criterion of happiness.

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...

«In addition, the special interest PACs and out - of - state donors who are funding Michael Grimm's race won't be able to fool the people of Staten Island — Michael Grimm is out - of - touch with their values.»

Our Compatibility Matching System ® looks at your lifestyle and interests, in addition to other key things like your work values and family values.

In addition to technical capabilities, it emphasizes the alignment of an employee's personality, values, and interests with an organization's culture, goals, strategy, and values.»

In addition, to the extent higher realized inflation leads to higher inflation expectations — and in turn, higher interest rates — financial stocks, another big value sector, also benefit.

In addition, you don't have to pay the annual interest so long as the total outstanding loan (original loan plus accumulated interest) doesn't exceed the policy's cash value.

In addition, the market value of a CD in the secondary market may be influenced by a number of factors including, but not necessarily limited to, interest rates, provisions such as call or step features, and the credit rating of the Issuer.

In addition to the cost of the mortgage itself, the borrower will pay «closing costs» (a variety of expenses associated with the acquisition of the loan) as well as «points» (up - front interest charges; each point equals 1 % of the loan value).

However, in addition to this, the APR will factor in any charges, meaning the APR will turn out to be a higher value than the interest rate.

This benefit includes a choice of two Withdrawal Base1 growth options — 10 % with no interest credits added or 7.5 % plus an additional dollar amount of interest credits annually, minus any withdrawals.2, 3 In addition, ForeIncome offers a Guaranteed Minimum Surrender Value (GMSV) 4 which has the potential to increase contract value but terminates on the GLWB activation Value (GMSV) 4 which has the potential to increase contract value but terminates on the GLWB activation value but terminates on the GLWB activation date.

In addition to the credit worthiness of the issuer, the price of a bond on the secondary market is determined by several factors including the interest it pays, its face value and its duration or how long it is until it matures and the issuer repays the amount borrowed.

However, the card does offer a compelling value proposition for award travelers interested in free flights thanks to its 35 airline transfer partners (Virgin America was the most recent addition).

There may be additional additions to the interest rate or reductions in the loan to value ratio due to this type of home.

In addition to low interest rates, unlike government loans, conventional loans at 80 % loan - to - value will have no mortgage insurance or funding fees.

Gain on a full surrender Gain on partial distributions IRA distributions TSA / ORP distributions Correction of excess contributions to IRAs Conversion of IRA assets to a Roth IRA Gain on surrender of Paid Up Additions (PUAs)(Note: Automatic surrender of PUAs for Value Pay is not a taxable event) Processing of Non-Forfeiture Option (NFO) to Extended Term Insurance (ETI) or Reduced Paid Up (RPU) Interest earned on dividend accumulations Loan on a MEC Dividend used to reduce loan interest on a Modified Endowment Contract (MEC) Dividend used to reduce loan on a MEC Compound of loan interest on a MEC Gain recognized on lapsed contract with a loan Collateral assignment on a MEC Non-qualified Annuity (NQA) Collateral Assignments Special interest paid on money held too long Interest earned on advance premiums 1035 exchange without paying off loan first Earnings on non-individual owner contracts for which an exception under section 72 (u) of the Internal Revenue Code does nInterest earned on dividend accumulations Loan on a MEC Dividend used to reduce loan interest on a Modified Endowment Contract (MEC) Dividend used to reduce loan on a MEC Compound of loan interest on a MEC Gain recognized on lapsed contract with a loan Collateral assignment on a MEC Non-qualified Annuity (NQA) Collateral Assignments Special interest paid on money held too long Interest earned on advance premiums 1035 exchange without paying off loan first Earnings on non-individual owner contracts for which an exception under section 72 (u) of the Internal Revenue Code does ninterest on a Modified Endowment Contract (MEC) Dividend used to reduce loan on a MEC Compound of loan interest on a MEC Gain recognized on lapsed contract with a loan Collateral assignment on a MEC Non-qualified Annuity (NQA) Collateral Assignments Special interest paid on money held too long Interest earned on advance premiums 1035 exchange without paying off loan first Earnings on non-individual owner contracts for which an exception under section 72 (u) of the Internal Revenue Code does ninterest on a MEC Gain recognized on lapsed contract with a loan Collateral assignment on a MEC Non-qualified Annuity (NQA) Collateral Assignments Special interest paid on money held too long Interest earned on advance premiums 1035 exchange without paying off loan first Earnings on non-individual owner contracts for which an exception under section 72 (u) of the Internal Revenue Code does ninterest paid on money held too long Interest earned on advance premiums 1035 exchange without paying off loan first Earnings on non-individual owner contracts for which an exception under section 72 (u) of the Internal Revenue Code does nInterest earned on advance premiums 1035 exchange without paying off loan first Earnings on non-individual owner contracts for which an exception under section 72 (u) of the Internal Revenue Code does not apply

The maturity date represents the point at which the issuing party must return the principal or par value associated with the security, in addition to all unpaid interest.

Although the median household income was close to six figures, the extreme home values in Palm Beach resulted in mortgage principal and interest payments that amount to 42 % of that income even before the addition of insurance or taxes.

This asset mix may be appropriate for investors with a significant tolerance for fluctuations in market value, and who seek to emphasize dividend and interest income (in addition to capital appreciation) as a component of total return.

In addition, compared to short - term debt, an intermediate - term debt carries greater risk that higher inflation could erode the value of expected interest payments.

In addition, the futures investor does not have to pay any interest on the difference between the margin and full contract value.

In addition, the totals of principal and interest are discounted to their present value based on the actual yield to maturity.

In addition, Congress added another exception to the automatic stay provisions in 1994, requiring debtors with a secured loan on a single real estate asset to file a reasonable payment plan or make reasonable interest payments based on the fair market rate on the value of the creditor's real estate during the bankruptcy proceedings.

In addition, a liquid secondary market for particular options, whether traded over-the-counter or on an exchange, may be absent for reasons which include the following: there may be insufficient trading interest in certain options; restrictions may be imposed by an exchange on opening transactions or closing transactions or both; trading halts, suspensions or other restrictions may be imposed with respect to particular classes or series of options or underlying securities or currencies; unusual or unforeseen circumstances may interrupt normal operations on an exchange; the facilities of an exchange or the Options Clearing Corporation may not at all times be adequate to handle current trading value; or one or more exchanges could, for economic or other reasons, decide or be compelled at some future date to discontinue the trading of options (or a particular class or series of options), in which event the secondary market on that exchange (or in that class or series of options) would cease to exist, although outstanding options that had been issued by the Options Clearing Corporation as a result of trades on that exchange would continue to be exercisable in accordance with their terms.

In addition to competitive initial fixed rates, we also offer an interest - only payment option on ARM loans up to an 80 % loan - to - value.

REIT funds may be subject to other risks including, but not limited to, changes in real estate values or economic conditions, credit risk and interest rate fluctuations and changes in the value of the underlying property owned by the trust and defaults by borrowers.In addition to normal risks associated with equity investing, international investing may involve risk of capital loss from unfavorable fluctuations in currency values, from differences in generally accepted accounting principles, and from adverse political, social and economic instability in other nations.

In addition to interest rate risk, the value of the options embedded in callables is sensitive to changes in the slope of the yield curve.2 The value of the options is a function of forward rates, 3 which are dependent on the spot4 level of rates and spot yield spreads.5

In addition to the normal risks associated with fixed income securities discussed elsewhere in this SAI and the fund's prospectus (e.g., interest rate risk and default risk), CDOs carry additional risks including, but not limited to: (i) the possibility that distributions from collateral securities will not be adequate to make interest or other payments; (ii) the quality of the collateral may decline in value or default; (iii) the fund may invest in CDOs that are subordinate to other classes; (iv) the complex structure of the security may not be fully understood at the time of investment and may produce disputes with the issuer or unexpected investment results; and (v) credit ratings by major credit rating agencies may be no indication of the creditworthiness of the security.

However, the card does offer a compelling value proposition for award travelers interested in free flights thanks to its 35 airline transfer partners (Virgin America was the most recent addition).

We should approach agreements with an attitude of respect for voluntary compromise, and accept that clients are motivated to settle by a host of intangible values in addition to their legal interests.

In addition to your own money, the insurance company typically credits your policy with interest or dividends each year, so the cash value grows over time.

This column in the Pension Calculator denotes the value of your savings in the year of your retirement by the addition of interest you realistically expect to receive on your savings.

In addition, your cash value continues to earn interest during the loan.

In addition to predictable premiums, some permanent life insurance policies, like whole life and universal life, come with interest earning cash value.

With its permanent policies, New York Life offers access to cash value via loans and / or withdrawals, as well as many plans that have guaranteed interest rates, and periodic dividends with paid up addition options.

In addition, unlike with a whole life policy, a UL policy will allow the policy holder to use the interest from the cash value savings to actually help in paying the policy's premiums.

In addition to just providing a death benefit, however, this indexed universal life insurance policy will also credit interest to a cash value component of the policy that is based on the performance of an underlying index such as the S&P 500.

Gregory: I'm interested to hear you talk about what role PolicyGenius plays in helping transform the insurance industry and in addition, what big value that your customers realize from purchasing through you rather than the traditional means.

Please keep in mind, these annual investment fees are charged in addition to the rising cost of your life insurance policy and unless your investment performs extremely well, they can outweigh any interest you may have gained, causing your cash value to diminish.

However, similar to IUL's equity - indexed interest crediting formula, CAWL uses current interest rates in determining additions to cash values.

In addition, they credit interest directly to cash values.

Guaranteed Interest Rate, Additional Interest Rate and Residual Additions add - up to the Policy Account Value.