Sentences with phrase «value policy you plan»

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.

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.

You would need to take advantage of the cash value of the policy or have it as a part of your estate plan in order for the investment to make sense.

(2) Reflects 2015 Merger - related adjustments including the change to align Kraft to Kraft Heinz's accounting policy for postemployment benefit plans; incremental amortization resulting from the fair value adjustment of Kraft's definite - lived intangible assets; incremental compensation expense due to the fair value remeasurement of certain of Kraft's equity awards; and, certain deal costs related to the 2015 Merger.

Specifically, benefits subject to the HP Severance Policy include: (a) separation payments based on a multiplier of salary plus target bonus, or cash amounts payable for the uncompleted portion of employment agreements; (b) any gross - up payments made in connection with severance, retirement or similar payments, including any gross - up payments with respect to excess parachute payments under Section 280G of the Code; (c) the value of any service period credited to a Section 16 officer in excess of the period of service actually provided by such Section 16 officer for purposes of any employee benefit plan; (d) the value of benefits and perquisites that are inconsistent with HP Co.'s practices applicable to one or more groups of HP Co. employees in addition to, or other than, the Section 16 officers («Company Practices»); and (e) the value of any accelerated vesting of any stock options, stock appreciation rights, restricted stock or long - term cash incentives that is inconsistent with Company Practices.

If you work for a company that does not offer a qualified retirement plan (or does not offer a life insurance option in an existing plan) or if you have already contributed the maximum amount to your qualified retirement plan, a cash value insurance policy can offer some of the tax benefits of a qualified retirement plan.

It trades some of the value growth benefits of a whole life insurance policy in exchange for more flexible payment plans and a lower price.

«I've had clients for 20 years thank me for advising them to convert from term life to permanent life insurance when they did... The value of the policy can grow significantly,» he said «It's a very useful planning tool.»

The Consultation for Promoting British Values in School is a hastily thrown together set of amendments to the Independent School Standards (2013) which ensured all independent schools» activities and teaching be informed by the 2010 Equalities Act.The consultation proposes strengthening the Independent School Standards regulations and extending these to all schools (state and independent), emphasising that a school's «written policy, plans and schemes of work -LSB-... must] not undermine the fundamental British values of democracy, the rule of law, individual liberty and mutual respect and tolerance of those with different faiths and beliefs.&Values in School is a hastily thrown together set of amendments to the Independent School Standards (2013) which ensured all independent schools» activities and teaching be informed by the 2010 Equalities Act.The consultation proposes strengthening the Independent School Standards regulations and extending these to all schools (state and independent), emphasising that a school's «written policy, plans and schemes of work -LSB-... must] not undermine the fundamental British values of democracy, the rule of law, individual liberty and mutual respect and tolerance of those with different faiths and beliefs.&values of democracy, the rule of law, individual liberty and mutual respect and tolerance of those with different faiths and beliefs.»

Morgans analyst Belinda Moore said this shouldn't hinder Murray Goulburn's planned upgrades to its factories, part of its shift from producing commodities to higher value - added products, because its gearing ratio would be about 43 per cent — well within its policy range of 30 to 60 per cent.

The Company also provided an update on senior executive appointments, meaningful progress it is making on its Strategic Renewal Plan (the «Plan») to drive long - term shareholder value creation, and corporate governance policies.

Mr. Speaker, this year, we have restored macroeconomic stability, which is protecting the value of money in the pockets of ordinary Ghanaians and giving businesses the predictability space to plan and invest, thereby sowing the seeds for economicgrowth and jobs creation.The broad agenda for next year is to translate the stability achieved into shared growth with aggressive policies aimed at creating moreopportunities for jobs.

It states that, by the end of 2016, a comprehensive EU strategy should be adopted with a cross-border dimension and an EU added value as a follow up to the first EU Alcohol Strategy (2006 - 2012) based on the work of the Committee of National Alcohol Policy and Action (CNAPA) as well as the WHO Global Strategy and WHO European Action Plan 2012 - 2020.

Among the proposals not included by the Assembly: a sweeping policy change that would give the state wide latitude in determining value - based payments for health care providers, a plan to allow private equity investing in hospitals and a plan that would limit how much providers can charge for drugs in Medicaid - managed care plans.

Annette Fredette, 4FRI planning team leader at the Forest Service's Flagstaff office, said forcing discussion among different interests throughout the National Environmental Policy Act process is «both the challenge and the value» of the initiative.

These should include defining the institution's risk management strategy and risk appetite and integrating the process for managing risk into the institution's overall strategic management, planning, systems, reporting, policies, values and culture.

The School Travel Forum's Teacher Toolkit includes research into the academic value of educational travel, guidance for planning overseas travel and official policy documents related to overseas educational travel.

Bob served as the Executive Director of Planning and Policy for the Minneapolis Public Schools where he led the development of new models for serving students, expanded the Response to Intervention (RtI) model and assisted develop a «value - added growth accountability model.»

All public policy decisions reflect a set of choices, and Mayor de Blasio and teachers union head Michael Mulgrew have just decided they value retroactive pay over the security of the city's pension plan.

Black Clearcoat 2015 Jeep Wrangler Unlimited Sport 4WD 5 - Speed Automatic 3.6 L V6 24V VVTChrysler Group Certified Pre-Owned Details: * Includes First Day Rental, Car Rental Allowance, and Trip Interruption Benefits * Warranty Deductible: $ 100 * Transferable Warranty * Vehicle History * Roadside Assistance * Limited Warranty: 3 Month / 3, 000 Mile (whichever comes first) after new car warranty expires or from certified purchase date * 125 Point Inspection * Powertrain Limited Warranty: 84 Month / 100, 000 Mile (whichever comes first) from original in - service dateAwards: * 2015 Best Resale Value Awards * 2015 10 Best SUVs Under $ 25,000 * 2015 10 Most Fun SUVs * 2015 10 Coolest Cars Under $ 25,000 * CROWN CONFIDENCE PLAN CERTIFIED GUARANTEE includes our exclusive 101 point safety inspection, Carfax vehicle history report, 100,000 mile powertrain warranty for as long as you own your car, and our exclusive peace of mind 7 day or 500 mile exchange policy.

Awards: * 2016 Best Resale Value Awards * 2016 10 Most Fun SUVs * 2016 10 Most Awarded Cars * 2016 10 Best SUVs Under $ 25,000 * CROWN CONFIDENCE PLAN CERTIFIED GUARANTEE includes our exclusive 101 point safety inspection, Carfax vehicle history report, 100,000 mile powertrain warranty for as long as you own your car, and our exclusive peace of mind 7 day or 500 mile exchange policy.

In a nutshell, while most whole life insurance is fixated on maximizing the death benefit of a policy and just allowing cash values to grow over time, strategic self banking focuses on maximizing life insurance cash values, so the whole life insurance plan can be used strategically as a savings and personal financing vehicle for the purpose of recapturing your cost of capital incurred when having to deal with third party lenders or using your own cash.

You see, when a participating whole life insurance plan is properly structured to maximize the cash value, the cash value can become available relatively quickly depending upon the amounts deposited and the other details of the policy.

Financial Planning Misunderstanding Variable Universal Life Can Lead to Adverse Consequences Bad market conditions can cause the cash value of these policies to be much lower than forecast.

The Grow - Up Plan is a fairly typical whole life insurance policy, as it has level premiums and builds cash value, but there are a few key differences:

In addition, the Grow - Up Plan is similar to other whole life insurance policies in that it will often take three to four years before you have any cash value, as early premium payments are dedicated to paying the insurer's fees.

One valued advice I am seeking from you regarding my endowment insurance policy HDFC SL Classic Assure Plan - 15 Years policy term.

While Gerber heavily markets their Grow - Up and College Plans for children, the company's adult and senior life insurance policies are of higher value.

The premiums you pay into the policy also have the potential for tax - deferred growth, building cash value that can be tapped * for emergencies or planned expenses like school tuition.

The features include systematic withdrawal plans that guarantee a minimum income for a period, and the ability to convert the best value of the policy into lifetime income.

In some cases, the premium payments that you make towards a permanent plan are invested by the carrier, and the money generated by these investments goes back into your policy, increasing its value and its payout throughout your life.

You would need to take advantage of the cash value of the policy or have it as a part of your estate plan in order for the investment to make sense.

Given the high costs, these policies generally require that you take advantage of the cash value component of the account, or use the policy as a part of an estate plan, in order for the investment to make sense.

With permanent plans, you have the option to surrender the policy for its accumulated cash value.

Rather, the policy acts as a forced savings plan that accumulates money in a tax deferred account that you can THEN use to invest with, as you purchase other income producing assets, at the same time as earning interest and dividends on the cash value in your policy!

Books: «Invest With the Fed,» «Strategic Value Investing: Practical Techniques of Leading Value Investors,» «Investment Banking for Dummies,» «The Tools and Techniques of Investment Planning,» «The Role of Monetary Policy in Investment Management»

Fifteen years ago, Alex purchased a participating whole life policy for the purpose of accruing cash value, planning for college funding and also securing a permanent death benefit for his family.

As mentioned earlier, the whole life college savings plan is a cash value account AND a life insurance policy.

Some plans allow you to pay for the premium out of the cash value, so that even if your finances are tight, you will not need to surrender the policy and allow your coverage to lapse.

Financial Planning Association of Greater Hudson Valley Technical Aspects in Evaluating Cash Value Life Insurance Policies, 11/13/01.

For the non-finance people and beginners out there, how should we go ahead with such plans and know what to invest so that we will not end up worse than what we could have had from insurance companies (the surrender value) if we hadn't signed up for term insurance, ie, signed up whole life, limited premium, ILP policies instead?

While most other agents would be happy to convert your term plan to a cash value policy, since they make more money, this doesn't happen at Zander.

In this case, the plan works similarly to a regular universal life policy, except that the return on the policy's cash value is tied to the performance of a market index (such as the S&P 500).

You might need to access your policy's cash value through loans or withdrawals to meet wealth transfer or retirement planning needs.

Various types of cash value life insurance, referring to permanent life insurance that emphasizes accumulating cash value within in the policy, can be used any number of estate planning goals.

However, you sacrifice cash value accumulation for a lower premium, making it a good choice for estate planning and second to die policies.

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.

According to the life insurance agent's chart, after 30 years the cash value of the whole life policy will be well into six figures, and will also serve as an additional retirement plan.

If you want to buy a whole life, universal life, or other cash value policy, plan to hold it for at least 15 years.

This feature drives competitive pricing of various policies and therefore compared to cash value plans, these are cheaper.