Sentences with phrase «with policy fees»

If you're using the policy to grow cash in a tax deferred manner, you'll want to use a trained agent to build a custom policy for you to ensure you're gains are not eaten entirely with policy fees, as well as to avoid a modified endowment contract (MEC) if you're over funding.

Not exact matches

An adviser who earns a flat fee - such an hourly rate or a set percentage of your portfolio value - is much better aligned with you than an adviser who earns commissions for selling you particular mutual funds, insurance policies, or other products.

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.

An advisor who earns a flat fee — such an hourly rate or a set percentage of your portfolio value — is much better aligned with you than an advisor who earns commissions for selling you particular mutual funds, insurance policies, or other products.

Chime is targeting those in their late 20s and early 30s with a low - fee checking and savings account, a mobile app that allows for automated savings and real - time notifications, and a policy of no monthly fees, hidden fees or overdraft charges.

The company would have to file a notice with the regulatory department; pay a registration fee of $ 250; provide evidence of registration with FinCEN as a money services business; agree to not invest or pledge virtual currency in its custody or control on behalf of others or to engage in the exchange or transfer of legal tender; and prove its policies for reporting, disclosures, and compliance.

Indexed Universal Life products are not an investment in the «market» or in the applicable index and are subject to all policy fees and charges normally associated with most universal life insurance.

This Privacy Policy describes how our company collects information from all end users of our Internet services (the «Services»)- those who access some of our Services but do not have accounts («Visitors») as well as those who may purchase Products and / or pay a monthly service fee to subscribe to the Service («Members»)- what we do with the information we collect, and the choices Visitors and Members have concerning the collection and use of such information.

Among other matters, the audit committee evaluates the independent auditors» qualifications, independence and performance; determines the engagement of the independent auditors; reviews and approves the scope of the annual audit and the audit fee; discusses with management and the independent auditors the results of the annual audit and the review of our quarterly financial statements; approves the retention of the independent auditors to perform any proposed permissible non-audit services; monitors the rotation of partners of the independent auditors on the company's engagement team as required by law; reviews our critical accounting policies and estimates; oversees our internal audit function and annually reviews the audit committee charter and the committee's performance.

That being said, we are now able to invest in NEO and Gas with no fees policy that no one ever said «No» to as these two currencies are now available for live trading on Cobinhood as well.

You can obtain a loan with terms that fit your needs, and the company's 10 - day payment grace period and late - fee forgiveness policy are both solid benefits.

Retreat Cancellation Policy: For a full refund of tuition fees, please cancel with at least three weeks advance notice from the event's date.

Starting in early 2018 we will carry out a broad consultation with our stakeholders to develop our full value offering to companies, including the future of the UTZ label, the fee structure, labeling policy, and marketing approaches.

The Scot has adopted a more youthful transfer policy of late and Ferguson is now lining up an opening gambit of a move with a # 5m bid for Fischer could be a wise one but that sort of fee is not likely to persuade Ajax to sell, not in today's inflated transfer market.

On top of buying free agents, Arsene's policy of buying up young stars «for the future» could now pay great dividends, as with transfer fees being so high more clubs will have to rely mostly on home grown youngsters to replace the older out - of - contract stars.

That's going through our wage ceiling and a dangerous game, hopefully it is a lot less with bonuses or the 40k a week as a signing on fee lump sum, keeping his wage in line with the club policy.

I am confident that the board, working in close cooperation with Mr. Peck, can bring about policies that prevent any further increases in levies and fees while maintaining the high standards of services the patrons of our facilities have come to expect,» the statement concluded.

«This proposed admission - fee policy is our best attempt to balance a reasonable minimum usage charge with the necessity to generate revenue to fund our educational programs and the added costs of operating the new wing,» Knappenberger said.

Of course, this policy comes with a steep price tag — anywhere from $ 1,000 to $ 2,000 for the initial collection, plus a yearly storage fee of at least $ 100, plus other additional fees that can quickly add up.

Earlier this week former prime minister Gordon Brown alleged that the Tories had done a «deal» with the Murdochs, in which favourable newspaper coverage was exchanged for sympathetic policy decisions on media issues like Ofcom and the BBC licence fee.

And there are three reasons why they are likely to attempt to stick to this position: they know there are dangers in policy U-turns (think Lib Dem commitments to oppose student fees); commitment to the renewal of Trident is entrenched in some parts of the party, even if key members of the leadership understand the downsides; and it would be seen as weakness if they succumbed to pressure from smaller parties with less credibility and electoral support.

It is hard for Labour to compete on generosity with the Green policy of abolishing fees and reintroducing grants (ED234).

The most effective vote winning policies are ones which are popular on their own, but which also tell a bigger story about the party's values and are consistent with their other policies - opposing the Iraq war and top - up fees were both popular policies, but also clearly signalled to disillusioned Labour voters that the Lib Dems shared their values as a centre - left party of peace and public services.

It did not send past - due letters to students while they were enrolled, collect application fees from some students and properly track employee time and leave in compliance with labor contracts and college policy.

The seat was taken by Liberal Democrat Stephen Williams with a large majority, thought to have been aided by the large student electorate, hostile to Labour's top - up fees policy.

Alec Slatky, a policy liaison with AAA Northeast, said the fee «should be considered a tax» because its amount «does not have a particular connection to public safety.»

The first, the Ulster County Legislature's Energy and Environment Committee will meet on Thursday, May 3rd at 5:30 pm (at UCRRA located at 999 Flatbush Road in Kingston, NY) and, more importantly in order for your voice to be heard, a public hearing is set for May 23rd (VIEW our facebook event) with a potential vote to follow that would establish both new policy and a higher fee for our current commingled system imposed upon Kingston.

Nick Clegg's policy switch on tuition fees is an examples of what happens when you don't shape shift with finesse.

The President also stated that any headteacher found charging fees already exempted under the Free SHS policy would be dealt with.

The circular released the fee items the government has absorbed for all day public senior high school students in the country in line with its commitment to implement the progressively free secondary education policy as expressed in President John Mahama's State of the Nation Address last year.

The Rev Dr. Mensah expressed optimism that «with positive minds, prayer and support for the fee - free SHS policy, it would succeed to the glory of God».

The city of New York has been ordered to pay the legal costs and fees to the Empire Center for Public Policy in connection with the Center's successful effort to obtain city payroll data under the state Freedom of Information Law.

Supporting commercial lines businesses Progress on fixed fees for costs of noise - induced hearing loss claims Support for fair compensation for mesothelioma sufferers Expansion of the Insurance Fraud Bureau's scope to commercial liability Campaigning for solutions fit for our future Our Flood Free Homes campaign Forward thinking policy for data and cyber Engaging Government to support the role of income protection Delivery of Flood Re, a world first solution for affordable flood cover Fighting fraud Partnering with Government on the Insurance Fraud Taskforce Renewing the Insurance Fraud Enforcement Department Securing new insurer access to the DVLA registered owners database Influencing sensible regulation On Solvency II, we: Secured changes to secondary legislation Clarified treatment of deferred tax Negotiated a favourable calibration of the EIOPA's fundamental spread Supporting insurance businesses Pushing for sensible development of global capital standards Securing better targeted tax legislation Managing the impact of international financial reporting standards.

The abolition of fees remains central to Liberal Democrat education policy and the Social Liberal Forum believes that unless HE is paid for through general taxation, a fairly instituted graduate contribution, with repayments that reflect graduates» ability to pay, is the best policy to help the UK's HE sector remain world - class without placing a burden of debt on young graduates.»

Those rising tensions were coupled with a conference agenda which included votes on economic policy, tax rates, energy, nuclear weapons and the dreaded tuition fees.

Although the students will mobilise into an almost army - like campaigning force, Clegg will be fortunate in that the students most angry and unconditioned to the tuition fee price hikes will have moved on, saddled with large debt, whilst the new intake will be more used to this policy and less angry.

«We are solving a $ 3.5 billion deficit with.85 percent in tax policy changes and.11 percent in fee policy changes.

With the party divided between social and economic liberals, debates on nuclear power, the economy, tuition fees, green policy and taxation are unlikely to yield unanimous responses, resulting in internal division which may hinder the party's ability to project a clear and consistent message in the run up to 2015.

[41] The BBC reported that he had made several «gaffes» in his role as Shadow Chancellor and «in an interview he appeared not to know the rate of National Insurance paid by employers, and he was also reported to have clashed with his party leader over the policy of introducing a graduate tax to replace university tuition fees.

To assess the new policy's impacts, the researchers compared environmental and health data from Stockholm with data from 102 other Swedish cities that didn't have congestion fees.

The return / exchange policy is somewhat cumbersome with a restocking fee of $ 7.95 for returns, which I have never heard of before for shoes.

With 100 % original members, profile confirmation, no scam policy and a surprisingly low membership fee, this is the place to start marital affair!

Avoid paid international dating sites with expensive per monthly fees, unprofessional looking websites, additional fees to receive a profile and a no - refund policy.

According to a report by the Higher Education Policy Institute (HEPI), bursaries for trainee teachers should be scrapped and replaced with a new system of forgivable fees.

The State entity will ensure that charter schools and local educational agencies serving charter schools post on their websites materials with respect to charter school student recruitment, student orientation, enrollment criteria, student discipline policies, behavior codes, and parent contract requirements, including any financial obligations (such as fees for tutoring or extracurricular activity).

Waiving fees, supplying equipment or instruments, covering the cost of uniforms, providing transportation, partnering with community - based entities to offer scholarships for specialized skill and talent development, and eliminating cut policies are a few of the ways in which schools work diligently to ensure that all kids have access to the benefits of extracurricular participation.

All private schools in Louisiana must publish their tuition and fees, help families apply to their schools, and provide families with all school rules, disciplinary policies, and academic policies, to which the parent must agree in writing.

Illinois state law «compels state employees to pay agency fees to an exclusive representative for speaking and contracting with the state over governmental policies.»

TFA in particular has been a policy lightning rod, given its limited upfront training, aggressive expansion during a period of significant teacher layoffs, and fees it charges to school districts with which it contracts to place teachers.

We do not charge reconditioning fees, destination fees, etc. ---- All Certified Browns Cars include a three day exchange policy — ABOUT THIS VEHICLE ** NON SMOKER ** CLEAN INTERIOR AND EXTERIOR ** FRONT WHEEL DRIVE ** AUTOMATIC TRANSMISSION ** 6 CYLINDER ** CLEAN CARFAX REPORT ** POWER SUNROOF ** LEATHER INTERIOR ** HEATED SEATS ** AM / FM / MP3 / CD / AUX ** BLUETOOTH ** ALL TERRAIN TIRES WITH A LOT OF TREAD LEFT ** VA SAFETY AND EMISSIONS INSPECTED ** — NO RECONDITIONING FEE — NO HIDDEN FEES — Competitive fianancing rates are available for this vehicle, please contact Browns Manassas Subaru at [phone] for more informatiofees, destination fees, etc. ---- All Certified Browns Cars include a three day exchange policy — ABOUT THIS VEHICLE ** NON SMOKER ** CLEAN INTERIOR AND EXTERIOR ** FRONT WHEEL DRIVE ** AUTOMATIC TRANSMISSION ** 6 CYLINDER ** CLEAN CARFAX REPORT ** POWER SUNROOF ** LEATHER INTERIOR ** HEATED SEATS ** AM / FM / MP3 / CD / AUX ** BLUETOOTH ** ALL TERRAIN TIRES WITH A LOT OF TREAD LEFT ** VA SAFETY AND EMISSIONS INSPECTED ** — NO RECONDITIONING FEE — NO HIDDEN FEES — Competitive fianancing rates are available for this vehicle, please contact Browns Manassas Subaru at [phone] for more informatiofees, etc. ---- All Certified Browns Cars include a three day exchange policy — ABOUT THIS VEHICLE ** NON SMOKER ** CLEAN INTERIOR AND EXTERIOR ** FRONT WHEEL DRIVE ** AUTOMATIC TRANSMISSION ** 6 CYLINDER ** CLEAN CARFAX REPORT ** POWER SUNROOF ** LEATHER INTERIOR ** HEATED SEATS ** AM / FM / MP3 / CD / AUX ** BLUETOOTH ** ALL TERRAIN TIRES WITH A LOT OF TREAD LEFT ** VA SAFETY AND EMISSIONS INSPECTED ** — NO RECONDITIONING FEE — NO HIDDEN FEES — Competitive fianancing rates are available for this vehicle, please contact Browns Manassas Subaru at [phone] for more informatioFEES — Competitive fianancing rates are available for this vehicle, please contact Browns Manassas Subaru at [phone] for more information --