Sentences with phrase «company files the rates»

That's because each life insurance company files its rates with state regulators, and everyone is required to show those filed rates.

See, insurance companies file rates with the state, and these rates are all the same no matter what channel you buy it through.

Some insurance agents in North Carolina claim that each company files the rates it wants to charge with the state, and then the Commissioner picks one of those numbers out of a hat, publicly binds all other insurers to that number, and then backfills logic and reason into a justification for the same.

Not exact matches

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Actual results could differ materially from those expressed in or implied by the forward - looking statements contained in this release because of a variety of factors, including conditions to, or changes in the timing of, proposed real estate and other transactions, prevailing interest rates and non-recurring charges, store closings, competitive pressures from specialty stores, general merchandise stores, off - price and discount stores, manufacturers» outlets, the Internet, mail - order catalogs and television shopping and general consumer spending levels, including the impact of the availability and level of consumer debt, the effect of weather and other factors identified in documents filed by the company with the Securities and Exchange Commission.

Factors that could cause actual results to differ include general business and economic conditions and the state of the solar industry; governmental support for the deployment of solar power; future available supplies of high - purity silicon; demand for end - use products by consumers and inventory levels of such products in the supply chain; changes in demand from significant customers; changes in demand from major markets such as Japan, the U.S., India and China; changes in customer order patterns; changes in product mix; capacity utilization; level of competition; pricing pressure and declines in average selling prices; delays in new product introduction; delays in utility - scale project approval process; delays in utility - scale project construction; delays in the completion of project sales; continued success in technological innovations and delivery of products with the features customers demand; shortage in supply of materials or capacity requirements; availability of financing; exchange rate fluctuations; litigation and other risks as described in the Company's SEC filings, including its annual report on Form 20 - F filed on April 27, 2017.

Factors that could cause actual results to differ include general business and economic conditions and the state of the solar industry; governmental support for the deployment of solar power; future available supplies of high - purity silicon; demand for end - use products by consumers and inventory levels of such products in the supply chain; changes in demand from significant customers; changes in demand from major markets such as Japan, the U.S., India and China; changes in customer order patterns; changes in product mix; capacity utilization; level of competition; pricing pressure and declines in average selling prices; delays in new product introduction; delays in utility - scale project approval process; delays in utility - scale project construction; continued success in technological innovations and delivery of products with the features customers demand; shortage in supply of materials or capacity requirements; availability of financing; exchange rate fluctuations; litigation and other risks as described in the Company's SEC filings, including its annual report on Form 20 - F filed on April 20, 2016.

Factors that could cause actual results to differ include general business and economic conditions and the state of the solar industry; governmental support for the deployment of solar power; future available supplies of high - purity silicon; demand for end - use products by consumers and inventory levels of such products in the supply chain; changes in demand from significant customers; changes in demand from major markets such as Japan, the U.S., India and China; changes in customer order patterns; changes in product mix; capacity utilization; level of competition; pricing pressure and declines in average selling prices; delays in new product introduction; delays in utility - scale project approval process; delays in utility - scale project construction; cancelation of utility - scale feed - in - tariff contracts in Japan; continued success in technological innovations and delivery of products with the features customers demand; shortage in supply of materials or capacity requirements; availability of financing; exchange rate fluctuations; litigation and other risks as described in the Company's SEC filings, including its annual report on Form 20 - F filed on April 27, 2017.

Tops also looked at each stores» individual market and the potential for the company to negotiate lower rental rates from the stores» landlords, the filing said.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

However the exchange rate fluctuations largely occurred outside the reporting period of the UK results filed at Companies House last week.

In February, Public Advocate Letitia James announced plans to file a complaint with the New York State Human Rights Divison against Stonehenge Village's management company, which permits only its market - rate tenants to use the building's gym, as previously reported.

According to documents filed by federal prosecutors in the Southern District of New York, Silver used his relationship with JoRon Management, a Buffalo - area company run by Jordan Levy, to invest his money in Counsel Financial, which prosecutors call a «private investment vehicle that promised a high annual rate of return with little risk.»

They have certainly had people file complaints against the company, but their reasons for the high rating include the length of time the business has existed, the volume of complaints filed for a business of its size, and the resolution of the complaints filed against them.

While still compatible with all file formats, including Kindle's MOBI file, the royalty rate is so high because the titles are sold through the company's own website instead of through powerhouse book retailers.

The WSJ piece also quotes publishing industry sources as saying they are seeing consumer resistance to e-book prices in the $ 10 to $ 15 range, and a company that tracks e-book piracy notes that the rate with which books are being scanned and uploaded to file - sharing sites is also increasing exponentially.

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the effect of the proposed separation of NOOK Media, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

Both the frequency of complaints filed against DiTech and its low rating in customer surveys speak to the company's need for improvement in this area.

The company files their proposed rates with the state, and they can begin to use those rates immediately.

Once they're filed, those are the rates which an insurance company is allowed to charge for a particular set of risks that make up a given policy.

According to the table, 21.05 % of companies with a SER rating are projected to go out of business, become inactive or file bankruptcy.

One of the reasons that no credit file existing can be rated somewhat higher by insurance companies is because they know nothing about you.

Creditors and collection agencies may refuse to lower the payment amount, interest rate or fees owed by the consumer and make collection calls or file lawsuits against the consumers represented by the debt relief companies.

Many different factors are involved in whether an insurance company raises your premium rates after you file a claim.

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Some insurance companies offer incentives to their customers such as reduced rates every year as long as they have not filed a claim.

While this can be done yourself by mailing a dispute or filing one online, many consumers have had success hiring an experienced credit repair company, such as our top - rated picks below.

Almost 50 % of students who graduated from college owe money to private loan companies, and with the increase in the unemployment rate, some are having a hard time paying off their student loans, and some have no other choice but to file for a private student loan bankruptcy.

Even if she doesn't file for bankruptcy, she may be able to use it as a threat to persuade the company that they should reduce her interest rate to the previously agreed level or to settle for less than the amount owed.

The reason your insurance company will look at your insurance score is because studies have for a long time found a definite correlation between a homeowners negative credit rating and their likelihood of filing an insurance claim.

You also may see a supplemental application for renters insurance in states where companies can write their own policy forms or file their own rates and use them immediately.

Get alerts when your company's credit scores and ratings change and when others have purchased your business credit file *, giving you valuable insight to help you protect and grow your business.

Receive notifications of changes to the scores and ratings in your company's credit file to help anticipate possible reactions from partners and lenders

Any time you purchase insurance, check the firm's financial strength rating with A.M. Best, a rating company that grades insurers to help them evaluate whether the insurer will be able to pay them or not in the event they file a claim.

In light of my renewed focus and demonstrated commitment to rebuilding my trust with your company, I am requesting that you give me a second chance at a positive credit rating by revising the late payment (s) as reported on my three major credit bureau files (Experian, Transunion, and Equifax).

Among the benefits are notifications prepared for the consumer to send to the three major credit reporting agencies of their recent accomplishment for inclusion in their credit files, a variety of discounts and reduced rates from mortgage companies, real estate brokers, offers of deposit waivers from participating telephone and utility companies and special opportunities for members of participating credit unions.

File and Use simply means this: Insurance companies can and may determine the rates they would like to charge for Austin Renters Insurance and file them with the stFile and Use simply means this: Insurance companies can and may determine the rates they would like to charge for Austin Renters Insurance and file them with the stfile them with the state.

Another thing to be aware of that's essentially unique to renters insurance companies in Texas is called «file and use» rates.

For all previously reviewed companies (year - to - date), share prices have been updated (plus FX rates & certain other inputs), so the attached file is actually a real - time ranking (by potential upside) of all companies covered.

File and use is exactly what it sounds like — the insurance company raises the rates, files the new rates with the state, and uses them while they're under review.

Insurance companies generally can not deviate from those filed rates, and they certainly may not do so just because someone asked for a discount.

2) Credit Rating Scores range from 300 to 850 Below 599 is considered bad 600 to 649 is considered poor 650 to 699 is considered fair 700 to 749 is considered good Over 750 is considered excellent 3) The formula used to determine Credit Rating Score 4) Get a copy of your 3 Credit Reports 5) Review your credit reports for accuracy 6) Correct personal information errors 7) Correct negative information errors File disputes to have questionable negative information removed 9) Have collection agencies delete collection information when paid 10) Compare credit card companies

Although you have the option to file these disputes yourself, you may also choose to hire an experienced credit repair company to make disputes on your behalf, such as our expert - rated picks below.

This rating was determined because of the size of the business, the number of complaints filed against the company and the way the company handles any complaints.

Since your credit rating takes a hit after you file for bankruptcy protection, unless you default on monthly payments to an automobile insurance company, there is really no basis for your insurance company to raise your premiums.

Help reduce your exposure to bad debt and maintain a healthy cash flow with 24/7 access to D&B ® scores and ratings, and receive email alerts when changes occur to a company's business credit file.

Your MIB file does not include the name of the company you applied with in the past, nor does it indicate whether you were declined or rated, although since it contains only red flags, the implication is obvious.

After years of complaints — and enough controversy and drama to rate an episode of Dr. Phil — the investigation into a company that supplies service dogs for diabetics and others has led to the filing of a lawsuit by Virginia's Attorney General.

And while you hope you never have to file a claim on a best rate guarantee, when a company is willing to put stand behind its claims that provides me some reassurance.