Sentences with phrase «policy given the risk»

The rates are for borrower - paid annual premiums for non fixed rate mortgages and based on LTV ratios, the coverages offered within each ratio, and the cost of the premiums for each PMI policy given the risk pool (the FICO score of the borrower).

Not exact matches

Kostin said that these correlations are «mean - reverting» and are likely to fall given the idiosyncratic impact of policy risks, adding that equities within the consumer discretionary and health care sectors offer the best stock - picking opportunities.

Such risks, uncertainties and other factors include, without limitation: (1) the effect of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels of end market demand in construction and in both the commercial and defense segments of the aerospace industry, levels of air travel, financial condition of commercial airlines, the impact of weather conditions and natural disasters and the financial condition of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among other things integration of acquired businesses into United Technologies» existing businesses and realization of synergies and opportunities for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the level of other investing activities and uses of cash, including in connection with the proposed acquisition of Rockwell; (7) delays and disruption in delivery of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits of organizational changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and industries; (12) the outcome of legal proceedings, investigations and other contingencies; (13) pension plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of changes in political conditions in the U.S. and other countries in which United Technologies and Rockwell Collins operate, including the effect of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.

But now an interest rate hike could be off the table, given that the Fed is likely to think that Trump's policies will add risk to the U.S. economy and global markets on their own.

WASHINGTON - Federal Reserve Bank of St. Louis President James Bullard gives presentation on the U.S. economy and monetary policy before the National Association for Business Economics conference, «Promoting Sustained Growth: Policy Tensions and Risks» - 130policy before the National Association for Business Economics conference, «Promoting Sustained Growth: Policy Tensions and Risks» - 130Policy Tensions and Risks» - 1300 GMT.

Adding the Food Contamination Endorsement to your policy gives you protection for this risk.

Having an auto policy with a company that also sells homeowners insurance may give that company more incentive to insure your home — despite the risks.

Many investors have been surprised at the complacency in the markets given geopolitical risks (North Korea, for example), domestic political risks (tax reform, trade war, etc.) and central banks in the U.S., Europe and China either removing, or talking about removing, monetary - policy accommodation.

It integrates directly with cloud providers» infrastructure, enabling customers to optimize and automate instance purchasing to take advantage of pricing changes, allows a business user to automate all rules, policies and governance, and gives security professionals visibility into real - time risks.

In my personal opinion, the emphasis upon taking out insurance against downside risks lies in conflict with the shift to data dependency given long and variable lags of monetary policy impacts on the broader economy which could have counselled front - loading insurance cuts rather than scattering them (if delivering any more at all) in which case precious little insurance has been taken out.

The speech starts by setting out three key themes of the Bank's recent communication about Australia's transition from the resources sector boom to more normal economic conditions: that the sheer scale of the boom means that this transition is challenging, and that the broader global environment compounds the challenge; that a reasonably successful transition is possible given our economy's positive fundamentals and flexibility; and that monetary policy is doing what it can to help the transition, but that the chances of success would be boosted by a lift in productivity growth and an increase in the expected risk - adjusted rate of return on investment.

The limitations of macroprudential policies reflect the potential for risks to emerge outside sectors subject to regulation, the potential for supervision and regulation to miss emerging risks, the uncertain efficacy of new macroprudential tools such as a countercyclical capital buffer, and the potential for such policy steps to be delayed or to lack public support.14 Given such limitations, adjustments in monetary policy may, at times, be needed to curb risks to financial stability.15

Mostly likely, the Bank of England's Monetary Policy Committee (MPC) will have an easing bias, given the risk of lowflation from weak growth.

The USD is banging on big resistance levels ahead of an FOMC that includes only the release of a policy statement and fairly low expectations, ironically meaning that surprise risk may be underappreciated, especially given conflicting extremes in speculative US dollar short and US interest rate shorts.

Regarding the path ahead for ECB policy, it seems likely adjustments to the central bank's bond - purchasing program will be discussed by policymakers at meetings in coming months, given the technical difficulties and political risks involved.

So based on your argument, Professor King, it is no coincidence that some of the strongest arguments about the potential damage of this Coles pricing policy have been made by other milk processors, given that you outline that milk processors are probably the ones at the greatest risk here of losing profit margin?

Since the early 1990s, government policy on maternity care in England has moved towards policies designed to give women with straightforward pregnancies a choice of settings for birth.1 2 In this context, freestanding midwifery units, midwifery units located in the same building or on the same site as an obstetric unit (hereafter referred to as alongside midwifery units), and home birth services have increasingly become relevant to the configuration of maternity services under consideration in England.3 The relative benefits and risks of birth in these alternative settings have been widely debated in recent years.4 5 6 7 8 9 10 Lower rates of obstetric interventions and other positive maternal outcomes have been consistently found in planned births at home and in midwifery units, but clear conclusions regarding perinatal outcome have been lacking.

Eight existing home visiting programs met the minimal legislative threshold for federal funding: Early Head Start, the Early Intervention Program, Family Check - up, Healthy Families America, Healthy Steps, Home Instruction Program for Preschool Youngsters, Nurse - Family Partnership, and Parents as Teachers.40 In August 2011, the Coalition for Evidence - Based Policy built upon the government's review by evaluating the extent to which programs implemented with fidelity would produce important improvements in the lives of at - risk children and parents.41 Through this review, one program was given a strong rating (the Nurse - Family Partnership), two were given medium ratings (Early Intervention Program and Family Check - up), and all other programs were given a low rating.

The American College of Obstetricians and Gynecologists previously released a policy statement that also said hospitals and birthing facilities are the safest places to give birth, but it respects the right of a woman to make a medically - informed decision about delivery after hearing the risks and benefits.

Of course, there are other necessary elements including an innovation strategy, policies to boost human capital giving employees a stake and voice in the firm as well as upgrading skills, more investment in science and R&D, and more risk capital for firms in export - led sectors.

Actually there are other kinds of foreign policy risks they may be managing, and that they are given strategic powers to deal with — economic risk, threats to our national economy which in practise may mean something more akin to industrial espionage, as certainly seems to be the case in the USA.

New Federal Education Law Gives State Policymakers Chance to Improve Opportunity for All Students — But Risks Retreat from High Standards and Meaningful AccountabilityNew York, NY — A dozen major civil rights, education, parent, and business organizations from across New York State released a policy brief today that makes...

In the context of systemic risk due to banking panics, the Federal Deposit Insurance Corporation has the political effect of giving bankers an overpowering incentive to influence the Federal Reserve System's Federal Open Market Committee and the Federal Reserve Board of Governors to implement system wide policies for extension of credit which socialize and cartelize the banking sector to work towards its own common purpose.

Given the reality of the underlying structure of this economic recovery, risks remain around global oil markets; security and political reconciliation in the Niger - Delta; policy; and of course the political transition.

Being outside the coalition wouldn't necessarily help the Liberal Democrats much in the polls (it would give them the independence to promote their own policies, but the damage to their image has already been done) and the last thing the Liberal Democrats would want to risk in their present situation is an early election.

«Given the risks involved with alcohol use, strengthening effective alcohol policies could help prevent homicides,» said Timothy Naimi, MD, the study's lead author who is a physician in general internal medicine at BMC and researcher at BMC's Grayken Center for Addiction Medicine.

«SAMHSA's Opioid Overdose Toolkit is the first federal resource to provide safety and prevention information for those at risk for overdose and for their loved ones,» said co-author and SAMHSA Administrator Pamela S. Hyde, J.D. «It also gives local governments the information they need to develop policies and practices to help prevent and respond appropriately to opioid - related overdose.»

In July, in an update of a 1998 policy statement, the American Academy of Pediatrics (AAP) recommended dropping the age at which at - risk children should be given statins — a class of cholesterol - lowering medication — from 10 years old to 8 years.

Also I remember an American climate researcher [Schlesinger I think] was going around giving a presentation on reducing CO2 [and spending money to do so] as a form of Insurance policy against the risk of climate change.

The new Prime Minister is still in the early stages of her premiership and will likely not wish to risk losing a vote on a major policy such as this, especially given the pressures of the negotiating leaving the European Union and triggering Article 50 looming over her head.

The departments, citing the Civil Rights Act of 1964, gave the school districts «guidance on how to identify, avoid, and remedy discriminatory discipline,» telling them they risked legal action if school disciplinary policies had «a disparate impact, i.e., a disproportionate and unjustified effect on students of a particular race.»

Just as the publication of A Nation at Risk caused President Reagan to re-evaluate his education policies, the 25th anniversary of the landmark report should give federal policymakers the opportunity to reconsider the current federal approach, one influential lawmaker said last week.

For this reason, as the Common Core, and its fewer, higher, clearer standards, moves forward into implementation, states must give adequate attention to their accountability policies and the potential consequences of these policies on those students most at - risk of dropping out.

An official risk assessment seen by the BBC shows the policy has been given a «red» rating, suggesting there's a danger it could fail.

However, given the apparently escalating risk of the government intending to pursue enforcement action against lenders and dealers, it makes sense to develop and implement a one - price policy on dealer reserve.

ACX's policy is now that our books are automatically reviewed for this stipend program, which gives narrators money up - front to narrate and produce (since they're assuming a risk by taking on our project without knowing how it will sell).

Discounts can't be given unless they're meaningful to the risk of the policy.

All of these factors will be considered when giving you a business insurance quote in order to tailor the policy to your needs and risks.

Voting against the action were Richard W. Fisher, who believed that, while the Committee should be patient in beginning to normalize monetary policy, improvement in the U.S. economic performance since October has moved forward, further than the majority of the Committee envisions, the date when it will likely be appropriate to increase the federal funds rate; Narayana Kocherlakota, who believed that the Committee's decision, in the context of ongoing low inflation and falling market - based measures of longer - term inflation expectations, created undue downside risk to the credibility of the 2 percent inflation target; and Charles I. Plosser, who believed that the statement should not stress the importance of the passage of time as a key element of its forward guidance and, given the improvement in economic conditions, should not emphasize the consistency of the current forward guidance with previous statements.

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.

Policies often offer a floor, to prevent market losses of greater than zero AND may cap gains at a certain rate depending upon the risk of the given index.

If your risk tolerance is low and you want even more coverage, you can opt for open perils coverage that will give you coverage against anything not excluded in the policy.

This gives the cash account in VUL policies the potential for greater returns than a typical whole life policy by investing in equity - linked investments, but also makes them subject to greater risk due to the volatility associated with the stock market.

Given that you aren't personally writing the check to whoever has underwritten the master policy, this is a potential risk.

Given that the floater policy you'll need to protect your fine art snowman covers open perils, you still need to mitigate the risk of heat destroying your snowman.

In just a few minutes, your renters insurance expert can help you to determine your needs, your exposures, and your risk profile and create the ideal policy that gives you the right amount of protection at the right price.

Poloz then admitted that the BOC has not included «the risk of a significant shift toward more - protectionist trade policies in the United States, given the range of potential outcomes and the uncertainty about timing.»

the risk of a significant shift toward more - protectionist trade policies in the United States, given the range of potential outcomes and the uncertainty about timing

Some cards operate a rate for risk policy meaning that it accepts you, but gives you fewer months at 0 % than advertised.

Now, as a note to risk managers, it is probably a bad idea to give control of hedging policy over to the line of business actuary, even though it worked out for the pension division of Provident Mutual.