Sentences with phrase «value policies using»

When I calculate the expected net present value of death benefits minus premiums for new cash value policies using an after - tax discount rate, the result is usually positive.

Not exact matches

Your board mandate should address vision, mission, strategy and operational plans; program delivery and operations; risk identification and management; finances (budgets, investments, use of donations, etc.); government filings and reporting; values, ethics, reputation and integrity; key policies and procedures; and communication and accountability to members and stakeholders.

FMS earnings before tax as a percentage of FMS total revenue and FMS operating revenue (a non-GAAP measure) were 4.0 % and 4.8 %, respectively, both down 60 basis points from the prior year, primarily reflecting higher depreciation due to vehicle residual value policy changes and lower used vehicle sales results.

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.

The ALEC draft document for this week's Energy, Environment, and Agriculture Task Force Meeting encourages state policymakers to recognize the value the electric grid delivers to all and to update net metering policies to require everyone who uses the grid, such as distributed solar users who feed into it, to pay for it.

Variable and universal life insurance policies are often favored because they allow you to use the policy's cash value to pay premiums.

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.

For some permanent life insurance policies, you're also able to pay premiums using the policy's cash value.

You can also pay premiums using the policy's cash value.

If they lived past their policy's maturity date, policyholders lost their coverage and received little cash value in return, since the funds had been used to pay premiums.

Universal life insurance policies are the only permanent policies that have «flexible premiums», meaning you can use the policy's cash value to make payments.

This clause provides that if the policyholder fails to pay the premiums on a life insurance policy, the insurance company may automatically use the accumulated cash value to pay the premiums.

The Company will account for the transaction by using its historical information and accounting policies and adding the assets and liabilities of Streetcar as of the acquisition date at their respective fair values.

Many people use a cash value life insurance policy to save for their retirement and to provide a death benefit to their beneficiaries.

Plus, the policy builds nominal cash value that you can use for a loan or cash withdrawal, should you need it later in life.

An Indexed Universal Life (IUL) insurance policy functions similarly to a standard universal life policy, except that it accumulates value through investments in a stock market index rather than the typical low - risk investments that most dividend - paying policies use to grow.

The selected stock market index is used to determine how much interest may be credited to your policy, subject to limitations such as a «cap»; however, your premiums and cash values are never invested directly in the stock market.

Because dividends allow your policy to grow in value, it's possible to use that value growth to pay your premiums.

You can also take a tax - free loan from the insurer using the policy's cash value as collateral, so long as the loan doesn't exceed the cash value.

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.

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.

As cash values accumulate in the policy, you also have the option to use these funds to pay the premiums; however, this is still considered a loan and the same factors exist.

The Global Economic Policy Uncertainty (EPU) Index is calculated as the GDP - weighted average of monthly EPU index values for the U.S., Canada, Brazil, Chile, the U.K., Germany, Italy, Spain, France, the Netherlands, Russia, India, China, South Korea, Japan, Ireland and Australia, using GDP data from the International Monetary Fund's (IMF) World Economic Outlook Database.

The only path available today is, either the domination of the majority religion or secular ideology as the established framework of the State suppressing the rights of others using State coercion or open democratic secularism in which a consensus is sought regarding the values and directions of the common life of society and the State policy related to that common life, through peaceful but active dialogue among religions and ideologies.

Looking primarily to models based on quantitative research methodologies to provide a clear direction for policy in regulating media and violence can also distract policy makers from coming to grips with other difficult but more important value questions that impinge on the issue of media and violence, such as the purpose of broadcasting, issues of ownership and control of media, the international context of Australian media, the dominant economic nature of most of Australia's social communications, the distinctive ways in which the media reproduce and reconstruct myths and symbols of violence from within the culture, and how audiences use and respond to media myths and symbols.

«The US dairy industry sees real value in the TPP negotiations if we are able to open new markets, like Japan and Canada, use the TPP process to strengthen global trading rules and secure meaningful competition policy changes in New Zealand's dairy sector,» said Suber.

In a forthcoming report from New York University's Rudin Center for Transportation Policy and Management by Eric Kober entitled «Uses and Abuses of Value Capture for Transit,» Kober writes that the first, similar iteration of the proposal «diverts New York City's largest and most stable tax source in a manner that could affect the City's fiscal stability.»

She is also to promise to use the speech to identify a large number of other current policies that do not comply with Labour's «fair and reasonable values» and which will be altered or discontinued.

The Public Procurement Minister used the occasion to inform the Education Minister and his team about some of the government policies she is implementing to strengthen the country's procurement system to ensure value for money.

«As we are thinking about how to implement the program, we are obviously learning from the path - breaking leadership of the Council and the speaker and being able to develop great programs and want to learn from those, but also set sort of priorities of how to use limited dollars in ways that are consistent with the city's values and policies,» Agarwal said.

The purpose of the program is to make practical contributions to more effective use of scientific knowledge in government, to educate the scientific communities regarding public policy, and to broaden the perspective of both the scientific and governmental communities regarding the value of such science - government interaction.

The paper, published today in the journal Nature Ecology & Evolution by a team of 40 scientists, policy - makers and on - the - ground practitioners, suggests alternative and complementary approaches that use indicators grounded in the values of a particular community.

Another major ethical challenge results from the variability in the predictive value of genotypic information and how such information can be used to inform risk management policy when our understanding of risk is inexact.

«This research can be a starting point for a richer public dialogue on whether new policy is needed to fully value the environmental benefits of growing energy crops and making other land use changes,» says Gary Radloff, director of Midwest energy policy analysis at the Wisconsin Energy Institute.

A study published in the International Journal of Obesity showed that nearly half of people diagnosed as obese using BMI measurements are actually healthy, leading some to believe that there is no value of a BMI measurement at all, except for life insurance policies to increase premiums.

They sneak the auto renewal payment into the terms of conditons so even tho I paid for a month it renews every month for the one month payment is more expensive than just got a valued bundle deal and theres no refund because thats their policy so now this crappy app just charged me for an extra month I won't be using this app.

Anyone participating in the education policy debate for five years or more probably staked out their position on the use of value - added (or student achievement growth) in teacher evaluations long ago.

citizens formation make us more and more able to value and to use our great assets of joy, art, movement, ancestral sustainable values, attitudes and skills to increase our capacity to develop creative alternatives to unsustainable public policies.

In CECIP's perspective, Brazil needs to foster Global Citizenship Education — with whatever denomination it takes -, since its methodologies and strategies for active learning, racism / sexism deconstruction, democracy reinforcement and glocal citizens formation make us more and more able to value and to use our great assets of joy, art, movement, ancestral sustainable values, attitudes and skills to increase our capacity to develop creative alternatives to unsustainable public policies.

Duraisingh, who received her doctorate from the Educational Policy, Leadership, and Instructional Practice Program at HGSE, focuses on how young people use the past to help make sense of their own identities, lives, and values.

A 1999 study by the Center for Research in Educational Policy at the University of Memphis and University of Tennessee at Knoxville found that students using the Co-nect program, which emphasizes project - based learning and technology, improved test scores in all subject areas over a two - year period on the Tennessee Value - Added Assessment System.

Such a move exposes the government to less risk, and thus reduces the cost to taxpayers (using fair - value accounting practices that take into account the relative risk imposed on taxpayers by different policies).

The use of value - added methods (VAMS) in education policy is a case in point.

The use of value - added measures of teacher effectiveness in policy and practice.

This policy brief from Higher Ed for Higher Standards identifies clear strategies for developing aligned K — 12 and higher education goals and outlines how states can use those goals to drive strategic actions to support all youth on their path to attain a postsecondary credential of value.

Hoyt also cited a recent policy statement by the American Educational Research Association that cautions against using value - added data in teacher evaluations and for high - stakes purposes.

There is a policy trend to use value - added modeling to evaluate teachers because of its face validity and superficial objectiveness.

More generally, while research can evaluate the effectiveness of policies that use value - added measures, research can never determine the optimal approach for a given district or school.

E4E - LA teacher and Teach Plus Policy Fellow Kyle Hunsberger explains his concerns about using raw test scores rather than value - added measures in this Los...