Sentences with phrase «included financial assessments»

Requirements vary by lender but typically include a financial assessment to determine your willingness and ability to meet the mortgage requirements.

Pulling from their membership base of over 100 companies, the feature stories include a financial assessment from West Paw Design, a supply chain pilot from MOM's Organic Market, a strategy focus from «I and love and you» and an operational efficiency program from Camp Bow Wow.

Recent legal safeguards, including financial assessment and non-borrowing spouse rules, are designed to protect senior homeowners, spouses, and their heirs.

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.

The full assessment is pretty deep, including seventy specific questions and metrics that look at everything from financial performance to hiring practices and the attitudes of leadership.

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.

That bill would require the president (via the Secretary of the Treasury) to «develop a national strategy to combat the financial networks of transnational organized criminals» which would include an assessment of certain risks related to digital currencies.

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.

This assessment will take into account a wide range of information, including measures of labor market conditions, indicators of inflation pressures and inflation expectations, and readings on financial and international developments.

Services of a regulatory nature ($ 1.1 billion) include inspection fees, aviation regulation, assessments of financial institutions;

The determination this year reflected the Committee's assessment of Mr. Iger's strong leadership and vision in achieving strong overall financial performance while driving the Company toward the attainment of long - term goals including:

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 home study process includes assessments of each parent's character, marital stability, financial situation, lifestyle, and medical history.

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.

To address this problem, China needs to reform its assessment mechanism, including giving young investigators enough time and financial support, extending assessment time from 1 year to 4 or 5 years, and assessing quantity and quality of the papers together.

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.

Utilize a multi-dimensional framework that takes into account the patients» lifestyle factors (including emotional state, financial and socioeconomic influences and readiness - to - change assessment), physiological systems, signs and symptoms, sources of stress, nutrition focused physical findings, core clinical imbalances, labs, and dietary patterns in the assessment and planning of the nutrition care process.

You're also working on data from the PISA 2015 cognitive assessment, which included collaborative problem solving, and another test students undertook on financial literacy and I understand those reports are due to be published in 2017.

PISA 2015 also included optional assessments of collaborative problem solving and financial literacy.

Annually, the district prepares and distributes a report to all Atlas residents that includes information such as test scores, results of follow - up studies from graduates, assessment results about the learning climate, financial information, and school demographic characteristics.

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 financial savings could be used for any number of instructional needs, including the purchase of assessments aligned to the Common Core State Standards.

Other regulations include a limitation on lender origination fees, and a financial assessment to evaluate your ability to fulfill loan obligations such as the payment of property taxes and regular upkeep of your home.

The lender may also take into account any debts belonging to the loan applicant as part of the financial assessment, including any liens that are on the applicant's property.

The financial assessment process includes analyzing such information as the cost of the property taxes and homeowners insurance, the clients» credit history, assets, expenses, and income.

There are numerous resources — including this website — for you to educate yourself on just how the credit bureaus base their assessment of your creditworthiness and financial risk.

Reserve Bank operating expenses were $ 6.7 billion, including assessments of $ 2 billion for Board expenses, currency costs, and the operations of the Bureau of Consumer Financial Protection...»

This assessment will take into account a wide range of information, including measures of labor market conditions, indicators of inflation pressures and inflation expectations, and readings on financial and international developments.

Complete a full financial assessment (including a review of your monthly expenses, income and total debt)

The changes included limitations on the amounts that can be drawn in the first year, the option to receive a smaller one - time single lump sum disbursement, as well as changes to the mortgage insurance premium, the principal limit factor tables, and requiring a financial assessment of borrowers» ability to pay future property taxes and insurance obligations.

If your tax notice of assessment includes a compulsory Higher Education Loan Programme (HELP) or Student Financial Supplement Scheme (SFSS) repayment that would cause serious hardship, or there are other special reasons why you believe you shouldn't make a compulsory repayment, you can apply to defer it.

This assessment will take into account a wide range of information, including measures of labor market conditions, indicators of inflation pressures and inflation expectations, and readings on financial developments.

A student's individual education financing plan should include an assessment of all of the options available based on their individual financial situation.

Credit Sudhaar services include various credit and financial tools such as a free credit score, credit score simulator and a wide range of analytical assessments to users which help them to have an in - depth understanding of their current credit health.

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These activities include: Investment & Financial Flows Assessments, regional meetings with national climate change focal points, publications about budgetary planning to address climate change, and technical backstopping for countries that begin to consider adaptation and mitigation for climate change in their National Development Plans, as well as participation in UNFCCC side events to present these activities results.

In the area of rationalization of the financial mechanism, the committee suggested that it (a) provide draft guidance to the COP on the financial mechanism of the convention; (b) Analyze and assess the effectiveness and efficiency in the delivery of climate finance; (c) Provide input to the COP, including through independent reviews and assessments, into the preparation and conduct of the periodic reviews of the financial mechanism.

She has extensive experience representing multinational companies and financial institutions with respect to anti-corruption and compliance matters, including advising clients on due diligence in connection with acquisitions and joint ventures, third - party engagements, risk assessments, corporate governance issues, and the implementation of effective compliance programs.

She has extensive experience representing multinational companies and financial institutions with respect to anti-corruption and compliance matters, including advising clients on due diligence in connection with acquisitions and joint ventures, third party engagements, risk assessments, corporate governance issues and the implementation of effective compliance programs.

This financial assessment will include reviewing each spouse's:

She has over 14 years of forensic accounting experience conducting fraud investigations, FCPA compliance assessments, forensic due diligence, third party compliance audits and anti-money laundering services serving multinationals, law firms and financial institutions in Hong Kong, Mainland China and the APAC region, including 6 years in Shanghai.

She has advised global financial institutions and multinational corporations across Asia in a variety of capacities including anti-money laundering compliance reviews and investigations, fraud and corruption investigations, fraud risk assessment, forensic accounting and litigation support.

In the consumer class action sector, Alberstone is currently lead or co-lead counsel in several notable cases, including Payne v. Bank of America, N.A., et al., involving manipulation of the LIBOR U.S. Dollar rate, Bias et al. v. Wells Fargo & Company, et al., concerning illegal mark - ups of default related fees, Ellis v. JP Morgan Chase, et al., Stitt v. Citibank, et al. and Vega v. Ocwen Financial Corporation, et al., concerning unlawful charging of unnecessary default fees, Waldrup v. Countrywide Financial Corporation, et al., concerning illegal charging for fraudulent appraisals, Weiner v. Ocwen Financial Corporation, et al., involving illegal assessment of default - related service fees that contained undisclosed mark - ups, and Ono v. Head Racquet Sports USA, concerning false advertising of Head tennis racquets.

By way of a refresher, following the implementation of the new data breach sections of PIPEDA, organizations that experience a data breach (referred to in PIPEDA as a «breach of security safeguards») must determine whether the breach poses a «real risk of significant harm» (which may include bodily harm, humiliation, damage to reputation or relationships, loss of employment, business or professional opportunities, financial loss, identity theft, negative effects on the credit record and damage to or loss of property) to any individual whose information was involved in the breach by conducting a risk assessment.

«related person» means, in respect of a designated assessment centre, an owner, partner or another person who has a financial interest in the designated assessment centre, but does not include a person who has a financial interest in the designated assessment centre by reason only of being a creditor who deals at arm's length with the designated assessment centre.

Nicholas» experience in North America and Asia includes anti-money laundering and sanctions consent - order remediation for a major U.S. financial institution, anti-money laundering and sanctions risk assessments for a U.S. financial institution, sanctions advisory for a major U.S. financial institution in Asia, new - product approval, know - your - customer, and product advisory, analysis of wire transfers, customer accounts, investment banking deals, and other transactions under anti-money laundering and sanctions regulations, investigations, testing, and remediation of know - your - customer, sanctions screening, and related internal compliance controls, analysis and advisory in line with U.S., United Nations, and national sanctions regulations in North America and Asia, and anti-money laundering and sanctions training.

We act in a broad spectrum of industry sectors which includes retail and consumer, financial services, transport, utilities, pharmaceuticals and engineering, regularly advising FTSE 100 - 250 companies, and SMEs on the full range of IP rights through the IP lifecycle, including risk assessments, brand management and the implementation of national and international IP strategies for protection and commercialisation of IP.

The service he provides for business owners and professionals is tailored to meet the needs of each client, including: Financial analysis Risk assessment Bankruptcy prevention Litigation Attorney Gary L. Mason has a list of his representative clientele on his linked bio page, demonstrating his range of business law clients of all sizes, many of whom are leaders in a variety of different industries.

We also include within the definition an organized system of health care in which more than one covered entity participates, and in which the participating covered entities hold themselves out to the public as participating in a joint arrangement, and in which the joint activities of the participating covered entities include at least one of the following: utilization review, in which health care decisions by participating covered entities are reviewed by other participating covered entities or by a third party on their behalf; quality assessment and improvement activities, in which treatment provided by participating covered entities is assessed by other participating covered entities or by a third party on their behalf; or payment activities, if the financial risk for delivering health care is shared in whole or in part by participating covered entities through the joint arrangement and if protected health information created or received by a covered entity is reviewed by other participating covered entities or by a third party on their behalf for the purpose of administering the sharing of financial risk.