Sentences with phrase «value of these plans without»

There are other ways to access the cash value of these plans without proving impairment of ADLs.

Not exact matches

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.

Typical entrepreneurs are so preoccupied with ramping up the value of their enterprises that when it comes to an essential issue like retirement planning, they're like the cobbler's children without shoes,» warns Arthur Warren, a retirement - strategy specialist who owns his company, Benefits Advisors of New England, in Franklin, Mass..

HONG KONG (Reuters Breakingviews)- Beware any chief executive without a Plan B. Westfield boss Peter Lowy is the latest to lack one, declaring on Thursday that despite a big drop in the value of a takeover bid from Unibail - Rodamco, there is no alternative to the sale he and his mall operator agreed in December, originally worth $ 25 billion including debt.

I plan to try the recipe without the icing, however do you happen to know the caloric value of a specific serving size of the pound cake no icing?

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...

Without a comprehensive plan or a schedule of completion, this runaway repair has not only been a major inconvenience to residents, it has hurt businesses, property values, and Kingston's credibility.

«The value and ease of use that the myTouch devices deliver, paired with our worry - free rate plans, means it is easier than ever for customers to get everything they want in a smartphone without the expense for features they won't use.»

And if anyone can develop a real plan to market a novel that works for ebooks, without throwing a lot of money at it, there could be a niche value there.

Yet 37 days have passed since the failure of Viprinex, «the sole major asset of the Company,» without the Board communicating or enacting a plan designed to maximize shareholder value through the dissolution and liquidation of NTI assets.

Considering the value of bonus miles of the Alaska Airline Mileage Plan, this is quite a hefty gift to receive without any sort of spending requirement for the first few months of holding the card.

In the monthly plan, you can trade for an unlimited number of trades without any limitation on the overall trade value.

Take advantage of Auto Buying Consultants of Maine's Silver Plan ($ 99 value without cPort financing).

Reinstatement Privilege If all or a part of an Account Owner's Class A Units in the Advisor Plan are redeemed in connection with a withdrawal or transfer, and the Account Owner purchased the Class A Units subject to an Initial Sales Charge or paid a CDSC on their redemption, the Account Owner may reinvest an amount equal to all or a portion of the redemption proceeds in Class A Units of the same Investment Portfolio or any other Investment Portfolio at the Net Unit Value, without the imposition of an Initial Sales Charge, next determined after receipt in good order of the contribution, provided that such reinvestment is made within one year of the withdrawal or transfer.

Among the issues you'll need to consider as you create an income plan: How much you'll receive from Social Security and whether you should you consider delaying claiming your Social Security benefit to boost the size of your check; how much of your nest egg's value can you withdraw each year without incurring too big a risk of running out of money before you run out of time; and whether you should devote a portion of your savings to an immediate annuity or a longevity annuity, so you'll have a another source of guaranteed lifetime income in addition to Social Security.

An in - service transfer is when you still work at your company, but your plan allows you to transfer part or all of your account value over to a personal IRA without a penalty, even if your under 59 1/2.

** Educator Advantage: Clients of Horace Mann who are educators are allowed to take advantage of what is known as the Educator Advantage plan, offering value - added benefits and features to their insurance plans without any additional costs.

Other highlights of the Guaranteed Account for 457 (b) and 403 (b) plans include complete guarantees of principal and interest (not found in all stable value accounts); rates declared in advance semiannually with a 1 % minimum rate guarantee; full liquidity (participants can transfer into and out of this account without restrictions or penalties); and an option to convert to guaranteed lifetime income at retirement.

(i) BMO reducing its roster of firms from about 800 to 200 with further reductions planned; (ii) the clients of seven sister firms hiring me to help them get control over their legal spend and forge stronger and more value based relationships with their firms; (iii) the many small and mid-sized businesses who hire accountants to do all of their tax and structuring work because it is cheaper than dealing with lawyers; (iv) firms hiring me to help them figure out how to budget, set and meet client expectations without losing money; (v) «clients» who never become clients at all as they do their own legal work based on precedents that friends share with them; (vi) the various forms of outsourcing that are now prevalent (from offices in India to Tory's office in Halifax); (vii) clients hiring me to figure out how to increase internal capacity without increasing headcount in order to reduce external spend; (viii) the success of firms like Conduit, SkyLaw and Cognition (to name a few) who are taking new approaches to «big» and «medium law» work; (ix) the introduction of full time project managers in many firms; and (x) the number of lawyers throughout the profession who regularly don't docket chunks of their time in order to avoid unpleasant fee conversations with their clients.

Invest Plus is the first of its kind traditional plan that offers upfront minimum guaranteed investment returns at the beginning of each year and a guaranteed maturity value so that customers can feel protected at all times and plan their investments without any worries.

Many plans pay only 75 % of estimated value for items without receipts (to adjust for depreciation)

Depreciation Waiver Cover Plan: It ensures that one gets the full amount that he claims without any deduction of the depreciation value on parts of the car.

In effect, a cost - sharing subsidy increases the actuarial value of your health plan without raising the premium.

The rider also typically can be converted to a cash value plan later, without evidence of insurability.

The benefits of a longevity annuity are even greater since 2014, when the U.S. Treasury Departmeni issued a new rule [5] allowing the purchase of a Qualifying Longevity Annuity Contract (QLAC), [6][7] also known as Qualified Longevity Annuity Contract, [8] within an IRA or an employer tax - qualified retirement plan, without having to include the value of the annuity in the annual required minimum distribution (RMD) at age 70 1/2, which is taxable as ordinary income.

In effect, a cost - sharing subsidy will increase the value of your health plan without raising the monthly premiums.

Because term insurance policies provide only life insurance protection without any type of cash value or investment fund build - up, the premiums on these plans are typically quite low.

The plan benefits you by increasing the value of your wealth without any premium allocation charge.

Reduces the death benefit — If you happen to die without repaying the loan, the bank or insurance company will deduct the unpaid amount from the cash value of the insurance plan.

If the plan is surrendered after 5 completed policy years, the policyholder will receive the entire Fund value on the date of surrender without any charges.

If the insured terminates or surrenders his plan after completing 5 years then the Total Fund Value as on the date of surrender is paid without any additional charges over it.

Without sufficient cover, even the best health insurance plan is only a piece of paper without anyWithout sufficient cover, even the best health insurance plan is only a piece of paper without anywithout any value.

Unlike other plans, term plans do not contain cash value and they expire at the end of the term without earning returns; hence the limitation.

In a case, if the insured chooses to discontinue his plan after completing 5 years, then the entire fund value as on the date of surrender shall be paid to the insured without any additional charges applicable.

I offered him had a 30 - year term, a 30 - year return of premium term, a universal life insurance plans without cash values with the last premium to be paid at age 65; and a participating whole life insurance with cash values (pay only till 65).

Conclusion: Majority of the pension plans offers returns between 4 % to 6 % per annum without risk coverage and this plan scores high in terms of returns or guarantee surrender value before the maturity date.

The surrender value of an existing deferred annuity or permanent life insurance plan can be transferred into a Navy Mutual annuity without incurring an immediate taxable event.

A replacement cost plan is the second option, and this kind of coverage will give you the full value of your losses without adjusting for depreciation.

Term didn't have cash value but had a guaranteed level premium for a certain period (term) and almost always had a conversion privilege that allowed the insured to convert all or part of the policy to some permanent plan in the future without evidence of insurability.

When using a term life insurance policy, the company will receive pure life insurance protection, without any type of cash value or investment build up within the plan.

Another best part about phrase ins is that you can cancel your plan at anytime without having to worry about a loss of the investment «cash value» as Whole lifestyle plan owners do.

If you let the plan accumulate cash value, your recipients will be assured of a set (face) quantity without having to pay taxation on the continues.

Read about the growing coalition of education, parent & privacy groups protesting this plan to share confidential student information, without parental consent, with the Gates - funded inBloom Inc., which plans to put it on a highly vulnerable data cloud http://shar.es/Yf9F4 And contrary to what this journalist writes, there is no research showing any of this has pedagogic value.

Because Florida child custody lawyers recognize the value of the amicable resolution of custody issues, they can help you navigate the emotional roadblocks that often derail the constructive negotiation of parenting plans when parties proceed without legal representation in custody cases.

4) Offers made in Trust even with a Lawyer (the lawyer remember can not report a suspicious deal from their client) 5) The buyer has indicated they have no immediate plans to move in 6) The buyer has been secretive about their circumstances, reasoning or plans 7) Price negotiation seems to be of little importance 8) A willingness to enter a bidding situation without requesting YOU complete an appraisal of the property or offering with no Appraised Value condition included in the offer.

But there are ways to create value without relying solely on numbers.In the world of office space, that means offering workspaces that will attract top talent and maximize the utility of the floor plan.