Sentences with phrase «withdrawal benefit which»

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.

All of my long - term investments are held in four different accounts, three of which are tax advantaged (Roth IRA, a 401k, and an SEP - IRA), meaning I get a tax benefit either when I deposit or withdrawal the money.

The fees are a «necessary evil,» she added, needed to «properly divide retirement assets, to properly assign the taxation of the benefits, and to avoid paying an early withdrawal penalty from a 401 (k) plan, which is incurred unless a QDRO is entered.»

As you determine if an annuity may be right for you, remember that they are intended as vehicles for long - term retirement planning, which is why withdrawals reduce an annuity's remaining death benefit, contract value, cash surrender value and future earnings.

In addition to the benefits of giving to charity, a QCD excludes the amount donated from taxable income, which is unlike regular withdrawals from an IRA.

As you determine what annuity might be right for you, remember they are intended as vehicles for long - term retirement planning, which is why withdrawals reduce an annuity's remaining death benefit, contract value, cash surrender value and future earnings.

Universal credit has also come under fire from anti-poverty groups concerned with the steep rate of benefit withdrawal, which on top of tax and national insurance acts as a disincentive to work extra hours.

In the buildup to the politicking of the last 24 hours tensions were undoubtedly raised by Nick Clegg's departing adviser Richard Reeves, who threatened the withdrawal of Liberal Democrat support for boundary changes — which will benefit the Tories disproportionately — if, as has now transpired, Conservative MPs wreck Lords reform.

According to our figures (and I keep asking you to use the figures set out in the Liberal Democrat and Labour document not the figures given by the IFS who state they got their figures from these documents but actually give different figures) to reverse the cuts to Universal Credit cost # 3.665 billion and as I pointed out above these are the reductions in the amounts a person can keep before they start to lose their benefit, which were set much higher than the old benefits, but the withdrawal rate seemed to be higher with Universal Credit (65 % [reduced to 62 %] than with Tax Credit (41 % on gross income).

He notes that the drug may reduce the anxiety and insomnia that often accompany alcohol withdrawal, which might ease the transition to sobriety, but adds that researchers can not accurately predict who might benefit from the drug absent a larger study.

What the researchers discovered is that while there is no long - term benefit of exercise on cigarette cravings and withdrawal symptoms, there is an acute benefit which lessens over a period of a number of hours to a couple of days, which could be renewed with every session of exercise.

One reason I like modafinil is that it enhances dopamine release, but it binds to your dopamine receptors differently than addictive substances like cocaine and amphetamines do, which may be part of the reason modafinil shares many of the benefits of other stimulants but doesn't cause addiction or withdrawal symptoms.

The initial investment determines the Benefit Base, which compounds at 5 % for the first 10 contract years in years where there are no withdrawals taken, regardless of what happens in the market or to the account value.1

With a Roth 403 (b), which some but not all employers now offer, you won't receive any tax benefit from your contributions, but you will be able to make tax - free withdrawals later, as long as you meet certain requirements.

Members with a KEMBA business relationship can enjoy Advantage benefits for both your personal and business accounts when you meet the following requirements: (1) Make monthly deposits of at least $ 2,000 into your business checking or personal checking account; (2) Have at least 15 qualifying checking transactions into your business checking or personal checking, which include any of the following: cleared checks, Debit Card transactions, online bill payments, electronic loan payments made from your KEMBA checking account, automatic deposits or withdrawals, and Virtual Deposits; (3) Receive eStatements.

Many could find themselves in a tax trap created by forced annual and taxable RRIF withdrawals (from 71 on), which can also leave you exposed to clawbacks of government benefits.

It's possible that you could end up not paying taxes on withdrawals from a traditional IRA, in which case you would get the benefit of the current tax deduction plus tax - free withdrawals in retirement (like a Roth IRA).

To do that, you'll want to go through a rigorous retirement - income planning process that starts with thinking seriously about how you'll live in retirement and then moves on to such tasks as making a retirement budget; assessing different strategies for claiming Social Security benefits; considering whether you want more guaranteed income than Social Security alone offers (which is where an annuity might play a role); and, settling on a withdrawal rate that has a reasonable shot at making your savings last as long as you do.

The Guaranteed Withdrawal Rate is applied to all payroll contributions that are periodically remitted to the Personal Income Benefit variable investment options, which include pre-tax and Roth contributions.

If an employee requests a loan from the Personal Income Benefit account value, AXA will treat the loan request as an early or excess withdrawal, which may significantly reduce or eliminate the value of the Personal Income Benefit.

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 date.

A method of calculating the reduction of a VA benefit base after a withdrawal in which the benefit is reduced by the same percentage as the percentage of the withdrawal; for example, a 20 % withdrawal of the money reduces the death benefit by 20 %.

After a full contract year, an employee can request to transfer amounts out of the Personal Income Benefit, causing an early withdrawal which will significantly reduce or eliminate the value of the Personal Income Benefit.

There are other great benefits to the Roth IRA as well such as there being no mandatory withdrawals (which there are for Traditional IRAs at age 70 1/2) and Roth IRAs are well suited to pass onto heirs as they will never have to pay taxes on withdrawals either.

Here's an example: At your age 55, you deposit $ 100,000 into a deferred annuity with a GLWB rider that guarantees a «roll up» interest rate (on the «benefit base», on which the withdrawal payments are calculated) of 7.2 %, compounded for ten years (which is the same as 10 % simple interest).

In addition to the benefits of giving to charity, a QCD excludes the amount donated from taxable income, which is unlike regular withdrawals from an IRA.

This is actually a key benefit over a traditional 401 (k) or IRA, which carry penalties for withdrawals before age 59.5, as you can access the funds at any time so long as you have a large enough cash value.

Adding to the complexity is the fact that there are benefits to the Roth that aren't easily computable like the ability to NOT HAVE TO TAKE required minimum distributions and the ability to pass the Roth on to relatives, which gives them the opportunity for tax - free withdrawals.

There are fees and charges associated with a variable annuity contract, which include, but are not limited to, operations charges, sales and withdrawal charges, administrative fees, and additional charges for optional benefits.

In particular, he cites the near disastrous episode Manulife suffered with a variable annuity called Guaranteed Living Withdrawal Benefits, or GLWBs, and which he says almost brought the company and the possibly the whole industry to the point of insolvency.

7 Withdrawals reduce the death benefit and cash value and thereby diminish the ability of the cash value to serve as a source of funding for cost of insurance charges, which increase as you age.

When the policyholder passes away, the entire death benefit — which includes insurance, all transferred annuity funds and compounded market interest credits (less fees, spreads, withdrawals or any policy loans and interest)-- pass to beneficiaries completely income tax free.

At a 4 % annual withdrawal rate, which should last him through the rest of his life, he can take out $ 20,600 per year which is a great supplement to his Social Security benefits (which I estimate to be $ 16,800 a year using this calculator).

Pension income splitting allows you to split eligible pension income, which generally includes income like defined benefit pension benefits, RRIF withdrawals, etc..

If you withdraw retirement accounts before the penalty - free 401k withdrawal age of 59.5, you'll be forfeiting the benefits of tax - deferred earnings and compounding interest, which diminishes the savings power of 401k accounts.

Your life insurance version will include a guaranteed death benefit, which means your beneficiary will receive the amount invested, minus a withdrawal fee.

The lineup includes a Structured Investment Option, which offers your employees the potential for market gains up to a specified limit along with some protection against some market losses.4 We also offer the Personal Income BenefitSM, a «pension - like» benefit that provides guaranteed withdrawal payments for life and may help employees address inflation, longevity, and market volatility concerns.5

Cash value is assessed through loans and withdrawals, which reduce death benefit.

Rational decumulation tactics include shifting investments to TFSAs, which upon withdrawal trigger neither tax nor benefit clawbacks.

A method of calculating the reduction of a variable annuity benefit base after a withdrawal in which the benefit is reduced by the same percentage as the percentage of the withdrawal; for example, a 20 % withdrawal of the money reduces the death benefit by 20 %.

Withdrawals and loans reduce the death benefit and cash value, thereby diminishing the ability of the cash value to serve as a source of funding for cost of insurance charges, which increase as you age.

Letter calls for withdrawal of the proposed policies which disregard all that was said and learned in the recent consultations and appear solely designed to implement reductions in benefits proposed by the KPMG Review.

Funder Members follow the Association's Code of Conduct, which sets out clear and important rules governing the relationship between a funder and its client, and provides significant benefits to clients, including clarity on issues such as case control, settlement, and withdrawal.

Lawyers» letter to Premier Wynne protests the explicit attack on the rights of injured workers, calling for the withdrawal of draft policies which codify a massive cutback on benefits and are tantamount to a re-writing of the legislation.

The court's decision thus neutralizes many of the benefits of the fixed fee, including administrative ease and shared risk (presumably, if one of the trigger events for withdrawal of the fee does not occur, the lawyer must refund the fee, which is not the case with a standard flat fee arrangement).

Secure Whole Life — Their whole life policy offers guaranteed life insurance benefits for life as well as guaranteed cash value accumulation, which can be drawn from by way of loans or withdrawal if needed.

The thought process here is the survivors can take a 5 % withdrawal from the death benefit each year (which is equivalent to the standard of living amount) while investing the death benefit principal and earning 5 % or better.

As you determine if an annuity may be right for you, remember that they are intended as vehicles for long - term retirement planning, which is why withdrawals reduce an annuity's remaining death benefit, contract value, cash surrender value and future earnings.

As you determine what annuity might be right for you, remember they are intended as vehicles for long - term retirement planning, which is why withdrawals reduce an annuity's remaining death benefit, contract value, cash surrender value and future earnings.

The death benefit is similar to the Wealth Protect Plan which is higher of sum assured less any withdrawals, fund value or 105 % of the premium paid.