Sentences with phrase «financial assessment with»

Stage 1: Request a free financial assessment with one of our Debt Analysts through our website, phone, or email.

Visit YourMoneyYourWealth.com and sign up for free financial assessment with a Certified Financial Planner who will stress test your portfolio.

We will conduct a complete financial assessment with you and guide you through your options.

Anyway, visit YourMoneyYourWealth.com and sign up for free financial assessment with a Certified Financial Planner.

Besides the age and residency qualification, borrowers go through a financial assessment with their lender, and they must acquire the FHA required HECM counseling certificate.

Contact us today for a free financial assessment with one of our certified credit counselors.

We will go through a complete financial assessment with you and explain your options.

Not exact matches

Proposed board reforms to Canada's deposit - taking institutions and insurance companies under the new guidelines include: appointing directors with relevant financial services experience; more board control over enterprise risk; enhanced director training, self - assessment and external reviews; and certain powers that allow boards to better direct and monitor management.

Specifically, I looked at Canada's governance guidelines and board assessment criteria and compared them with international financial regulatory practices and recent developments.

The Healthcare Reform Law, including The Patient Protection and Affordable Care Act and The Healthcare and Education Reconciliation Act of 2010, could have a material adverse effect on Humana's results of operations, including restricting revenue, enrollment and premium growth in certain products and market segments, restricting the company's ability to expand into new markets, increasing the company's medical and operating costs by, among other things, requiring a minimum benefit ratio on insured products, lowering the company's Medicare payment rates and increasing the company's expenses associated with a non-deductible health insurance industry fee and other assessments; the company's financial position, including the company's ability to maintain the value of its goodwill; and the company's cash flows.

The company markets itself as being more transparent with its users about fees than established financial institutions, which would almost certainly dispute that assessment.

Team members get to work on short - to - medium - term business improvement ideas, and come up with a rough assessment of the financial impact and an implementation plan.

Student loan holders also give a more downbeat assessment of their personal financial situation compared with their peers who don't have outstanding student debt.

Such risks and uncertainties include, but are not limited to: our ability to achieve our financial, strategic and operational plans or initiatives; our ability to predict and manage medical costs and price effectively and develop and maintain good relationships with physicians, hospitals and other health care providers; the impact of modifications to our operations and processes; our ability to identify potential strategic acquisitions or transactions and realize the expected benefits of such transactions, including with respect to the Merger; the substantial level of government regulation over our business and the potential effects of new laws or regulations or changes in existing laws or regulations; the outcome of litigation, regulatory audits, investigations, actions and / or guaranty fund assessments; uncertainties surrounding participation in government - sponsored programs such as Medicare; the effectiveness and security of our information technology and other business systems; unfavorable industry, economic or political conditions, including foreign currency movements; acts of war, terrorism, natural disasters or pandemics; our ability to obtain shareholder or regulatory approvals required for the Merger or the requirement to accept conditions that could reduce the anticipated benefits of the Merger as a condition to obtaining regulatory approvals; a longer time than anticipated to consummate the proposed Merger; problems regarding the successful integration of the businesses of Express Scripts and Cigna; unexpected costs regarding the proposed Merger; diversion of management's attention from ongoing business operations and opportunities during the pendency of the Merger; potential litigation associated with the proposed Merger; the ability to retain key personnel; the availability of financing, including relating to the proposed Merger; effects on the businesses as a result of uncertainty surrounding the proposed Merger; as well as more specific risks and uncertainties discussed in our most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.cigna.com as well as on Express Scripts» most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.express-scripts.com.

Our Business Continuity Plan addresses all areas affected by a business disruption of any type, including data backup and recovery; financial and operational assessments; alternative communications with clients, employees and regulators; alternate physical location of employees; critical supplier, contractor and bank impact; and regulatory reporting.

Sign up for a free two - meeting assessment with a Certified Financial Planner ™ today!

Market - makers must be willing to take on risk by building inventory positions (see Box 1 for a discussion of the economics of market - making).4 As with other types of financial intermediation, willingness to build positions depends on assessments of risk and return.

We are the first professional provider of rating and audit services for crypto market with great experience of risk assessment of traditional financial institutions.

Our Business Continuity Plan Addresses — data backup and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical location of employees; critical supplier, contractor, bank and counter-party impact and regulatory reporting if we are unable to continue our business.

Our business continuity plan addresses: data back up and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical location of employees; critical supplier, contractor, bank and counter-party impact; regulatory reporting; and assuring our customers prompt access to their funds and securities if we are unable to continue our business.

The Firm's business continuity plan addresses the following elements: all mission critical systems; financial and operational assessments; alternative communications with clients, employees, and regulators; alternate physical location of employees; critical supplier, contractor, bank and counter-party impact; regulatory reporting; and assuring that clients have prompt access to their funds and securities if the Firm is unable to continue a securities business.

In particular, our Plan addresses: data back - up and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical location of employees; critical supplier, contractor, bank and counter-party impact; regulatory reporting; and assuring our customers prompt access to their funds and securities if we are unable to continue our business.

From 1990 to 2005, he was Director Fiscal Policy Division Department of Finance, responsible for overall preparation of the federal budget; preparation and assessment of medium - and long - term projections of federal revenues and expenses and implications for fiscal policy; analysis of fiscal conditions at both the federal and provincial levels; evaluation of various budget proposals; preparation of monthly Fiscal Monitor; with the Office of the Comptroller General (OCG), assessing and evaluating accounting standards proposed by the Public Sector Accounting Board (PSAB) of the CICA and recommending changes in government accounting policies; with the OCG, responsible for implementation of accrual accounting for the federal budget and the government's financial statements.

The Audit and Risk Committee met with management and the auditors to review and discuss the audited financial statements for the year ended December 31, 2014, as well as management's assessment of the effectiveness of our internal controls over financial reporting and the auditor's assessment of our internal controls over financial reporting.

Just as traders and investors in the financial markets are warned against overtrading or chasing action, cold and pragmatic assessment is vital along with resisting the urge to succumb to an itchy trigger finger.

With a staff of 16 employees, financial responsibilities include budgeting, accounts payable, payroll, investment management, debt management, District and capital assessment management, and overseeing a budget of more than $ 26 million.

The May 1, 2011 - April 30, 2015 agreements with police dispatchers, telecommunications operators, and public works and building maintenance employees and upper police management: • * increase required employee contributions to participate in conventional preferred provider organization health plans, • * provide financial incentives to employees to switch to consumer - directed plans or managed - care plans, • * provide village funding of 40 percent of the deductible for high deductible health plans with health savings accounts and • * require employee participation in annual wellness and health risk assessment screenings in order to qualify for best rates.

Nassau County's «financial mess is intertwined with the assessment mess and everything needs to be fixed,» he said.

SYRACUSE, N.Y. — Mayor Ben Walsh opened his 44 - minute State of the City address Wednesday with a frank assessment of the city's financial situation.

The early warning system will include nine financial indicators, such as cash - on - hand and patterns of operating deficits, together with broader demographic information like population trends and tax assessment growth.

The study stands out among long - term cohort studies for its high retention rate — nearly 95 % of the original cohort has stayed with the study since it launched in 1972 — and the intimacy of the data - gathering process, which includes not just cognitive, psychological, and health assessments, but also interviews with cohort members» teachers, families, and friends and reviews of their financial and legal records.

For your assessment, you will create a multimedia presentation or write a persuasive essay illustrating mobile applications that aid in financial management and financial decision - making with key financial concepts.

On the face of it the 23 questions alongside the support notes provide a much simpler and clearer method of self assessment, together with guidance for governors that enables them to be confident about the financial management of their school.

The assessment was conducted in 2015 as part of the OECD Programme for International Student Assessment (PISA) with funding from the Australian Securities and Investments Commission (ASIC) as the Australian Government agency responsible for financial literacy.

With the 2012 PISA, eighteen countries and economies, including the United States, participated in an optional OECD assessment to test students» knowledge and application of bank statements, loans, insurance, and other financial documents.

The network also provides schools with access to: a national «knowledge network» of CWC teachers and principals who can share best practices with one another, meaningful professional development opportunities and evaluation tools, student assessment tools and help tracking student achievement, training in school operations, interest - free start - up loans to help new schools get off the ground and long - term financial planning assistance, and help resolving outstanding academic issues when requested by the school.

The voucher money is flowing now — $ 11 million this year, with $ 24 million budgeted for 2016 — but private schools are subject to minimal requirements for student assessment and none at all for curricula, instructional staff or financial viability.

The DOT employs the services of an independent financial advisor to assist with financial and credit risk assessments of the project.

Additionally, the borrower must undergo a counseling assessment with an agency approved by the Department of Housing and Urban Development (HUD), and undergo a financial assessment to ensure the borrower is capable of covering the costs of home maintenance, property taxes, and homeowners insurance.

You can use one of the many capital needs assessment calculators available on the internet, or consult with a trusted financial planner or insurance adviser who has access to a reliable assessment calculator.

In essence, the new changes will require mortgagees to conduct the financial assessment in order to evaluate reverse mortgage borrowers more thoroughly and to provide at risk borrowers with the means to meet their loan obligations.

To learn more about how a reverse mortgage may be able to help you achieve your financial goals, you can consult with a licensed loan advisor who will prepare a free eligibility assessment.

If you choose to work with Credit Canada, your initial appointment will involve a credit counsellor performing a full financial assessment that takes a look at your income, expenses, assets, and debts.

HUD publishes a financial assessment worksheet that allows lenders to report financial data for borrowers — and loan origination systems with integrated document generation simplify matters even further by auto - populating the worksheet.

Consider a consultation with a trusted financial planner who can give you an objective assessment.

The Bank of Canada, however, says even with these red flags the economy is continuing to show signs of a broadening recovery and its overall assessment of the country's financial stability remains roughly unchanged since June.

It is imperative to take note of that even if Experian will execute the new software, that implies ALL moneylenders that utilization Experian MUST likewise utilize the new Fair Isaac software with a specific end goal to get to Experian's new financial assessment for the customer.

Always consult with an insurance professional who can provide you with a personalized assessment based on your unique life stage and who considers your current and long - term objectives, potential for risk, and financial goals.

As of July 12, 2014, the Commodity Futures Trading Commission requires each futures commission merchant to make publicly available on its Web site firm specific disclosures and financial information to assist you with your assessment and selection of a futures commission merchant.

Student loan holders also give a more downbeat assessment of their personal financial situation compared with their peers who don't have outstanding student debt.