Sentences with phrase «financial ratings work»

Learn how financial ratings work for insurers and why these ratings are important when it comes to choosing the right life insurance company.

Not exact matches

In the days to come the Fed will have to prove that a new set of tools for managing interest rates will work as expected; see how higher U.S. rates affect domestic and global financial conditions; and hope that weak world demand and commodity prices do not lead to an overall bout of deflation and force the Fed to reverse course.

As Paul Krugman points out Reifschneider, working with John Williams and using the same FRBUS model, concluded that the ZLB was only a very small issue less than a decade before the financial crisis led to an 8 year stretch of zero rates.

Interest rates and bond purchases work indirectly, through asset prices and financial intermediation.

After all, why should businessmen invest in hiring more labor to work in factories, when they can make higher rates of return by financial maneuvering and currency speculation?

If you retired 13 years ago with half your money in equities, you would be in a huge world of financial hurt with a 4 % withdrawal rate; compounding works both ways.

Written by NCEO founder Corey Rosen, this issue brief discusses as of mid-2016 the extent and growth of employee ownership; survey data on ESOPs and corporate governance as well as ESOPs and executive compensation; research on the effect of ESOPs on corporate performance; the 2012 shared capitalism study of Great Place to Work applicants; data on employee ownership and employee financial well - being; the NCEO's analysis of data on ESOPs and default rates; trends in broad - based equity compensation plans; equity compensation and corporate performance; the impact of ESOPs and other broad - based plans on unemployment; legislative and regulatory issues for employee ownership; and international developments in broad - based plans.

Indeed, a combination of lower interest rates and more stringent macroprudential policy would likely work to reduce both financial stability risks and the risk of an undershoot of inflation at the same time.

First, the Fed might face financial headwinds working against attempts to raise short - term, domestic interest rates.

«We are working to ensure that our financial institutions and other market participants are prepared for the normalization of monetary policy and the return to a world of higher interest rates,» Fischer said.

Moody's also committed to fulfill a number of compliance measures, including separating commercial functions of its ratings business from the work of its ratings analysts and having its internal audit group report to the chief executive rather than the chief financial officer.

Even though many of their loans are secured, OneMain Financial is one of the few lenders that will work with «subprime» borrowers while still offering fair interest rates.

«Western Sky Financial and CashCall worked together to charge outrageous rates to vulnerable citizens in a time of great economic distress,» said Mark Kaufman, Maryland's commissioner of financial regulation, in a sFinancial and CashCall worked together to charge outrageous rates to vulnerable citizens in a time of great economic distress,» said Mark Kaufman, Maryland's commissioner of financial regulation, in a sfinancial regulation, in a statement.

The equivalent interest rate benchmark for the Australian dollar is BBSW, and the Council of Financial Regulators (CFR) is working closely with industry to ensure that it remains a robust financial bFinancial Regulators (CFR) is working closely with industry to ensure that it remains a robust financial bfinancial benchmark.

Doug has worked as an editor at an international bond rating agency and a Canadian website for financial advisors.

Your financial advisor can work with you on maximizing outside sources of income, such as Social Security, to potentially reduce your reliance rate.

Every year, nonprofit organizations are required to make their financial reports available to the public, and these websites will give you an easy to understand rating based upon financial health, transparency, and accountability — essentially, they're looking at how efficiently and effectively charities are doing their work and passing that info onto you.

If the clients you're working with are of low income or experiencing financial difficulties, you might charge a lower rate or offer alternative forms of payment, such as reduced fees, sliding scale or barter of services.

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.

To get re-elected in 2002, Pataki lied, claiming that a fare increase was unnecessary while hiding the unsustainable borrowing by not filing the legally required four - year financial plan and delaying the impact of the borrowing by working out a teaser rate with Bear Stearns.

U.S. Sen. Kirsten Gillibrand (D - N.Y.) said a complete financial turnaround for the country's economy will not be coming any time soon, but she is working to bring jobs that would help Queens residents and individuals facing a state unemployment rate of at least 8 percent.

«These ratings are a reflection of the hard work we have done to solidify our financial position and put County Government on a stable fiscal footing.»

County Executive Molinaro said, «Over the past four years, we've worked together to move Dutchess County forward, overcoming serious fiscal hurdles to cement our financial standing, which has resulted in the second - highest bond rating of any county in New York.

For example, a higher rate of Jobseeker's Allowance paid for the first six weeks of unemployment to those who have lost their jobs after perhaps four or five years in work could be a big help in cushioning the immediate financial impact of redundancy and give them a better chance of getting back into work and back on their feet sooner.

«Putting our fiscal house in order has been one of my top priorities as County Executive, and these ratings are a reflection of the hard work we have done to solidify our financial position and put County Government on a stable fiscal footing,» Picente said.

The working paper, «The Market for Financial Adviser Misconduct,» by Professor of Finance Amit Seru and Associate Professor of Finance Gregor Matvos, both of Chicago Booth, along with the University of Minnesota's Mark Egan, finds that some of the largest financial advisory firms in the U.S. have the highest rates of miFinancial Adviser Misconduct,» by Professor of Finance Amit Seru and Associate Professor of Finance Gregor Matvos, both of Chicago Booth, along with the University of Minnesota's Mark Egan, finds that some of the largest financial advisory firms in the U.S. have the highest rates of mifinancial advisory firms in the U.S. have the highest rates of misconduct.

With miniscule financial resources the group is successfully carrying out cutting - edge epidemiological research and has identified the predominant MSV genotypes that will confront MSV - resistant transgenics in different parts of the continent, has worked out the rates and pathways of virus spread throughout the continent and defined the specific regions within the continent that appear to be the cradles from which almost all new maize streak disease epidemics emerge.

A report issued by the Independent Financial Review Panel in November 2015 recommended that the district work to improve its chronic absence rate not only to improve academic outcomes for students, but because the district's average daily attendance rate is the biggest factor in district revenues.

Financial literacy is a subject that I have a deep passion for and strongly believe that educating students and their families about the importance of managing money, how loans and interest rates work, and available options to pay for post-secondary education will lead to increased educational equity and opportunities for our students.

Prior to his work with NIEER, Richard spent 20 years as an economist and strategist in the financial sector, focused on macroeconomics and sovereign interest rate markets.

... Many financial planners, educators, banks and credit unions are working hard these days to make certain that busy high school and college students and young adults possess the financial knowledge to make good decisions about such matters as how far to go into debt, whether to sign up for a credit card, how to establish a good credit rating or how much college loan debt they should incur.

We want you to take home your ideal car at your ideal budget, and we'll work to get you a rate that fits your personal financial situation.

Our financial experts are excited to help you find a car loan or lease option that best suits your budget, and we work with a network of financial institutions to get you a great rate on a car loan or lease.

Our used truck team will get right to work with our nationwide network of financial partners to get you your new truck with little - to - no down payment and affordable interest rates.

Our financial department can know how to find the best rates available on car loans, and work hard to find auto financing that works for you.

Remember that we work with car buyers of all credit scores and financial histories; do not let a lower credit rating keep you from applying for financing at Karplus!

Once you've committed to a model that suits your needs best, our financial experts will work to find you the best rate possible while staying within your price range.

Also, with the launch of an HTML 5 app, New York Times has followed the trend that was first started by Financial Times when it designed its own HTML 5 app to work around Apple's new in - app subscription rates that entitled the company to cut off 30 percent of all in - app purchases made via an iOS app.

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.

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It's not something I've ever personally participated in, but from from working in the financial industry and having friends who worked directly in credit rating departments, I've picked up some valuable knowledge that I'm happy to share

When my 15 year fixed - rate mortgage is paid off and your ARM has put you in a tenuous financial position, we'll see how good your math works in daily life.

As an investment - grade rated servicer, they will work to provide positive returns for the financial institution on their private student loans.

If you work with a financial adviser, start by simply asking him or her to produce a report with your personal rate of return once per year.

Even if you have no credit history, we work with a number of different lending companies that offer a variety of financial products and services at a great rate.

Financial independence (and early retirement) are all about achieving a high saving rate — through a combination of frugal living and high income — so that you're able to quit work in years instead of decades.

Financial ratings give you a good overall picture of how strong the company is, but they don't tell you much about the experience of working with the company, or how they pay claims.

However this works out if you have the financial fortitude to allocate each $ 1 you save and funnel it to an account yielding the expected rate of return.

The mortgage interest rate and APR allow you to compare different loan options on the same metric and calculate what payment works best for your financial situation.