The cash surrender value is the amount of cash in your policy, minus any surrender charges
for early policy withdrawals or termination.
Not exact matches
Those federal rules, which double down on restrictions adopted in 2014 and stern warnings to lenders issued by OSFI
earlier this summer, require banks to qualify borrowers at higher interest rates, impose additional limits on mortgages
for buyers with small down payments, and compel financial institutions to share the risk by taking out insurance
policies on low - ratio mortgages.
Salim was named to Forbes» 30 Under 30 list
earlier this year and has received recognition from the World
Policy Institute
for her work in sustainability.
Though
early drafts of the Senate bill called
for the Fed to adopt rules - based monetary
policy, this ended up being stripped from the final proposal due to Democratic opposition - largely because much of the Hill focus has been on the Taylor rule, which many Fed advocates fear is too restricting.
The election of Donald Trump as president sparked an exodus from the US Treasury market in the final months of 2016 and
early 2017 as investors prepared
for the possibility that Trump's plans
for a protectionist trade
policy, tax cuts, deregulation, and massive infrastructure spending would bring inflation back to the US.
When Yahoo CEO Marissa Mayer announced an end to the company's work - from - home
policy in
early 2013, she was met with sharp criticism
for taking away her employees» flexibility.
A typical couple who are both age 60 pay about $ 100 to $ 150 a month
for each
policy, according to data released
earlier this year by the American Association
for Long - Term Care Insurance.
While it is easy to point fingers and shame corporations
for not offering paid leave to all employees, Katie Bethell, founder and executive director of PLUS told Fortune in an interview about an
earlier version of the non-profit's report that «ultimately, solving paid family leave will require a national public
policy.»
Randal Quarles, the Federal Reserve's vice chair
for supervision, said
earlier this month the Fed has no
policy toward regulation of bitcoin but «it certainly is something that is worth thinking about.»
In a report
earlier this year
for the Institute
for Research on Public
Policy, Trent University economist Harry Kitchen argues it's time
for governments, particularly at the municipal level, to stop offering price breaks
for seniors.
After some
early, desultory efforts, Martin found his footing and reeled out a handful of budgets built around themes such as deficit fighting, education, innovation and tax reduction that set the country on sound fiscal footing and gave it political direction and
policy focus
for the better part of a decade.
The company also maintains an unwritten
policy of rewarding employees who work late over those who arrive
early and leave at the end of a normal work - day, making it difficult
for women with children, according to the complaint.
Nevertheless, when making interest rate
policy in
early March, BoC governor Mark Carney overlooked rising pressures on inflation and left the central bank's target
for Canada's overnight rate at 1 %.
Earlier this year, a company called Event Shares filed a prospectus
for a Republican
Policies and a Democratic
Policies fund to invest in companies that will benefit from the respective parties» political agendas (neither has launched yet).
Martin Moen, the director general at Global Affairs Canada who oversees North American trade
policy, told a conference in Ottawa
earlier this month that it would be «very difficult to see a path forward»
for NAFTA if the U.S. continued to insist on changes that would constrain cross-border commerce, such as a the suggestion that the value of U.S. government contracts won by Canadian and Mexican firms should match the value of contracts American companies secure in Canada and Mexico.
Google, the world's largest online ad provider, announced an update to its financial services
policy earlier in March that will restrict advertising
for «cryptocurrencies and related content» starting in June.
Daniel Ellsberg, best known
for leaking in 1971 the Pentagon Papers about the Vietnam war, in the
early 1960s was an adviser to the Air Force and White House on nuclear
policy.
April 13 - Inflation data
earlier this week that showed price pressures increasing were unsurprising, St. Louis Federal Reserve President James Bullard said on Friday as he downplayed the significance
for monetary
policy.
Earlier this year, Netflix announced an unlimited parental leave
policy, building upon the unlimited vacation
policy that Hastings says has been in effect
for the last «10 or 15 years.»
The travel document belonging to the late actress was originally listed
earlier in January but was removed by the auction website
for violating its personal information
policy.
Comments received by the Department and media reports also indicate that many financial institutions already had completed or largely completed work to establish
policies and procedures necessary to make the business structure and practice shifts required by the Impartial Conduct Standards
earlier this year (e.g., drafting and implementing training
for staff, drafting client correspondence and explanations of revised product and service offerings, negotiating changes to agreements with product manufacturers as part of their approach to compliance with the PTEs, changing employee and agent compensation structures, and designing conflict - free product offerings), and the Department believes that financial institutions may use this compliance infrastructure to ensure that they meet the Impartial Conduct Standards after taking the additional Start Printed Page 16910sixty days
for an orderly transition between June 9, 2017, and January 1, 2018.
However, it was the launch of the independent government
policy center, the National Institute of Entrepreneurship (INADEM), in 2013, that has proven to be most influential
for early stage startups.
We maintain a stock ownership
policy for our non-employee directors, as described
earlier in «Directors and Corporate Governance — Compensation of Directors» and as set forth in our Corporate Governance Guidelines (the «Guidelines»).
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.
One of the more comprehensive proposals
for better Canadian election laws came
earlier this month from the Public
Policy Forum think - tank.
The Fulbright Public
Policy Fellowship provides opportunities
for early and mid-career professionals to serve in professional placements in a foreign government ministry or institution.
The vote will come
early because the state constitution says that if legislators want to override a veto, they have to do it immediately after they return to session, but it will also mark a quick opportunity
for Democrats to highlight the Republican governor's opposition to a
policy they're betting voters will favor.
An
early taste of the sort of
policy Flaherty prefers came this week, with his announcement of a temporary tax credit
for small businesses to defray the cost of hiring new employees, a break available to about 525,000 firms with 25 or fewer employees.
However, major
policy decisions
for the federal budget were made by the Prime Minister and the Minister of Finance in late December 2012 /
early January 2013.
A statement issued with the decision
earlier this month said there was no need
for a
policy change because market pressures would help inflation fall back toward the bank's 2 per cent target — the Bank is tasked with setting
policy to achieve the target.
Even though the intellectual climate within the Reserve Bank and other economic
policy agencies was already moving in favour of deregulation in the
early 1970s, wider community acceptance of the case
for change did not come until after the Government set up a broad - ranging inquiry, conducted by a group of independent experts.
Compared with previous episodes of booming commodity prices, a floating currency, a sound but flexible medium - term framework
for monetary
policy and a flexible labour market mean we are doing much better this time than in the mid 1970s or
early 1950s.
I merely wish to record that from about the middle of 1999, markets around the world began to recognise that the accommodative stance of monetary
policy by major central banks that had been so appropriate
for 1998 and
early 1999 was starting to look less appropriate as 1999 progressed and strengthened.
An
earlier filing might have been a telltale sign about the financial problems to come: Tesla disclosed that it had begun reimbursing Mr. Musk
for his use of his private plane, justifying the cost by saying, «By paying only the variable expenses of Mr. Musk's private airplane, consistent with the reimbursement
policy in place, we will recognize a cost saving as compared to the customary practice
for an initial public offering road show.»
With the objective of learning from the rich experiences and lessons that other countries have gained from their own programs, in
early 2016, the Asia Pacific Foundation of Canada announced a competitive
policy research grant
for research on best practices by foreign SME export assistance programs.
Just last week, the Globe and Mail reported that the Government is planning a bare - bones budget in
early February, saving major
policy announcements
for the 2015 budget, just in time
for the 2015 election.
Current facts on inequality and economic growth make as strong a case
for public
policy to increase a variety of employee share ownership and profit - sharing formats as in the
early days of the Republic.
(As an aside, that fiscal spend boost is probably not coming until Q2 2016 at the absolute
earliest — though this is still within the BoC's 6 - 8 quarter projection horizon
for getting inflation sustainably back on target / setting
policy to close the output gap.)
Further to my
earlier post showing that the public / private sector pay gap is mainly due to more equal pay
for women in service jobs, Â a recent piece from Canadian Public
Policy by Hou and Coulombe shows that the pay gap between Canadian born racialized workers and non racialized workers exists almost entirely in the private sector and not in the public sector.
Another reason
for that intolerably high public sector compensation premium — Further to my
earlier post showing that the public / private sector pay gap is mainly due to more equal pay
for women in service jobs, Â a recent piece from Canadian Public
Policy by Hou and Coulombe shows that the pay gap between Canadian born racialized -LSB-...]
(An
early convert to the new view was Ben Bernanke himself, who, at a May 2014 conference in which yours truly also took part, declared that «There is absolutely no need or requirement
for the balance sheet to go back to normal as monetary
policy normalizes.
At its December meeting, as in
earlier months, the Board judged that a further tightening of monetary
policy would probably be required in due course, but that there was no need
for action in the short term.
Going forward, as I mentioned
earlier, a number of characteristics in the marketplace or in the economy would argue
for gold — whether that's monetary
policy or rising inflation expectations on the back of higher oil prices and job growth.
They'll be looking
for a
policy achievement to tout
early in their administration, and this plan, with its bipartisan support, makes a lot of sense.
Specific
policies include the 30 - 50 Plan to Fight Poverty, which is committed to reducing the number of people living below the poverty line by 30 percent and the number of children by 50 percent; an Affordable Housing Plan; pursing the long - term goal of a national high - quality, universal, community - based,
early education and child care system; increasing the Guaranteed Income Supplement by $ 600 per year
for low - income seniors; and creating a new relationship with Canada's First Nation, Inuit and Métis peoples, including re-instating the Kelowna Accord.
Still, despite being forced to abandon his signature
policy, the episode may prove a minor setback
for Carney, coming so
early in his five - year term.
Key
policies include introducing a Guaranteed Annual Income; ensuring universal access to quality childcare and
early childhood education; cutting debt
for post-secondary students; honouring the Kelowna Accord with Aboriginals; expanding the rights of gay, lesbian, bisexual, and transsexual Canadians; and easing the income support levels required
for immigrant family sponsorship.
The Council will also be preparing
for a formal launch event in
early 2004, planning the first BCO Public
Policy Forum
for the spring of 2004, and coordinating a presence at the May BioFinance 2004 Conference in Toronto, as well as at BIO 2004 in San Francisco in June.
In the wake of America's 1907 financial panic, the Aldrich - Vreeland Act of 1908 created a «National Monetary Commission... to inquire into and report to Congress at the
earliest date practicable, what changes are necessary or desirable in the monetary system of the United States or in the laws relating to banking and currency...» [1] The Commission's thirty - five monographs provided an exhaustive study of central banking structures and commercial banking
policies, laying the groundwork
for what in 1913 became the Federal Reserve Act.
Demand
for fixed - rate housing loans was fairly strong in late 2004 and
early 2005, ahead of the monetary
policy tightening announced in
early March.