Sentences with phrase «requirements than government»

Conventional loans often have higher down payment requirements than government - sponsored loans like FHA and USDA.

They also have higher income and credit score requirements than government loans.

Not exact matches

More than 100 businesses and religious organizations have sued the federal government to be exempt from the ACA's contraceptive requirements since Obamacare became law in 2010.

Furthermore, the spending requirements placed on a national government are far more extensive than those faced by a state legislature.

One of the requirements set forth by the Indian government before allowing foreign companies to start selling groceries to consumers is that they must provide produce and processed foods that are locally sourced — a challenge that Amazon is more than ready to embrace.

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.

The RBA continued to rebuild its foreign currency reserves by making purchases over the past few months which more than covered the Government's requirements.

Some antismoking legislators have expressed concern that the industry's future profits may be in jeopardy, thus imperiling the settlement's requirement that the companies pay anti-tobacco lawyers and state governments more than $ 500 billion over the next twenty years.

The implication is that Solzhenitsyn uses prudence rather than abstract ideology to choose the best regime for the circumstances, with the main requirements of good government being constitutional limits on power to prevent crushing tyranny and the promotion of a cultural climate that encourages citizens to develop their souls.

While the Government has retained thresholds that enable an exemption from the requirement for development consent — for those farms with less than 1000 birds or 200 pigs or 20 sows — the introduction of a 500m setback from neighbouring dwellings or environmentally sensitive areas that triggers a Development Application is a major barrier for pastured pig and poultry farming on small acreages.

When a company is using such unique ingredients for cosmetics you would think a government body such as the Therapeutic Goods Administration might expect to see test results but Diana says she didn't have to satisfy any requirements other than COSMOS.

I think it's very safe to say this is a (misinterpreted) rule of the facility and staff of this Head Start preschool, rather than a broad requirement / law by the federal government as many of these blogs are implying.

· Allowing counties an option to modify how they fund state mandated pension contributions · Providing counties more audit authority in the special education preschool program · Improving government efficiency and streamlining state and local legislative operations by removing the need for counties to pursue home rule legislative requests every two years with the state legislature in order to extend current local sales tax authority · Reducing administrative and reporting requirements for counties under Article 6 public health programs · Reforming the Workers Compensation system · Renewing Binding Arbitration, which is scheduled to sunset in June 2013, with a new definition of «ability to pay» for municipalities under fiscal distress, making it subject to the property tax cap (does not apply to NYC) where «ability to pay» will be defined as no more than 2 percent growth in the contract.

Last month, the Electoral Commission reported about 770,000 names had been removed from the register as the government introduced the requirement that people sign up as individuals rather than as households, leading to Labour complaints about the risks of disenfranchisement.

At the same time, the company expressed unease with the legislation allowing local governments to adopt coverage limits requirements that are higher than proposed in the bill itself.

Less economic growth means the government's borrowing requirement is higher than expected, so the Treasury's coffers face a much tighter squeeze than the chancellor had hoped for.

The government insists the two requirements are broadly similar, but critics argue it is in fact much easier to extradite someone from the UK to the US than vice versa.

National Union of Students president Aaron Porter said:» «The government have provided no reassurance that requirements on access, employability, quality or the student experience would be any more effective than they are now.

This new funding programme of the Spanish government offers postdoctoral positions to researchers with less than 3 years» postdoctoral experience and, as the FJI highlighted, it features «longer contracts, absence of the requirement to have the Ph.D. degree [before application], higher flexibility in the date of incorporation of candidates, and no discrimination by nationality.»

«As a step towards this, the Government should consider making it a legal requirement for schools in England to provide counselling and to allocate children's mental health funding to promote children's well - being, rather than just dealing with mental health problems after they occur.

And despite requirements that the companies post all trials for serious or life - threatening diseases on a government website (clinicaltrials.gov), a 2003 study of industry - sponsored U.S. cancer trials found that fewer than half of such trials appeared there.

The latest studies by the United States government state that approximately 68 percent of all Americans are deficient in this essential mineral and close to 20 percent are severely deficient, consuming less than half of the daily requirement.

Commenting on the small differences in satisfaction levels among parents with children in the charter and chosen district sectors, Paul E. Peterson, professor of government and director of the Program on Education Policy and Governance at Harvard Kennedy School, notes that «chosen district schools serve a smaller percentage of students of color than charters do, and they are more likely to use examinations as entry requirements, while most charter schools must accept all applicants or use a lottery to select among them.»

They are more interested in debating graduation requirements than setting up senior - year parties, said Tirzah McPherson, 16, the president of the Minneapolis student - government association, which includes about 50 students from eight high schools.

Heavier sanctions required for schools that do not boost test scores have previously been shown to be counter-productive; • The requirement that limited English proficient students score «proficient» on English exams is self - contradictory, as is the provision that most children with special needs demonstrate competency in the same manner as other students; • Education is being damaged as students are coached to pass tests rather than taught a rich curriculum that will help prepare them for life in the 21st Century; and • The federal government has failed to adequately fund the law.

That federal funding shortfall, which has persisted over the past forty years (last year, the federal government only funded 15.7 percent of the excess cost of educating students with special needs, far short of the promised 40 percent), has been passed down to states and local school districts that are required to comply with strict federal requirements related to serving students with special needs — and must shoulder more than 80 percent of the cost of doing so.

However, in such cases for (x) TIFIA credit assistance, the maximum credit subsidy to be paid by the Federal Government may not be more than 10 percent of the principal amount of the TIFIA credit assistance, and the obligor is responsible to pay any remaining subsidy cost, and (y) for RRIF credit assistance, the DOT may impose limitations on the waiver of nonsubordination requirements if it determines that such limitations would be in the financial interest of the Federal Government.

Rather than creating new requirements, FIPS 201 basically standardizes the procedures long - existent throughout the Federal Government for identity proofing and ID badging.

He raised taxes at a time when the average family was near or in starvation mode, he confiscated all of the nation's privately - owned gold and then promptly devalued the dollar by 40 % (reducing the buying power of any saved dollars by almost half overnight), he raised bank reserve requirements numerous times (taking yet more cash out of the real economy so it could be hoarded in vaults), he actively supported a trade war with tariffs that created massive global imbalances (some would argue ushering in the rise to power of fascist regimes that would have had no chance in times of prosperity), and perhaps most damning, rather than plowing most of those raised tax dollars back into the stalled economy, he instead bought gold on the global markets for the government and sequestered it, keeping it from backing new dollars (monetary expansion, which most understand is required to turn a recession around) and instead further crushing the economy — and not just the US economy.

Such loans carry guarantees for lenders against default by the federal government, along with lower interest rates than for conventional mortgages and low (or no) down payment requirements.

They typically offer the most competitive rates to borrowers with good credit, but may have stricter requirements than loans insured by a government agency.

Further, IMHO, the age 71 requirement to convert a RRSP to a RRIF reflects more on the government's desire to begin collecting tax revenue from the account, than as a number that one ought to use as a retirement age.

Typically, the appraisal requirements for a government loan are stricter than those for a conventional loan.

Because FHA loans are government - insured, they have easier credit qualifying guidelines than most lenders, as well as relatively low closing costs and down payment requirements.

Government - backed mortgages like FHA loans typically have lower credit requirements than conventional fixed - rate loans and ARMs.

Government - backed home loan with more flexible lending requirements than conventional or fixed - rate mortgages

Deutsche Bank is closing out DXO, double - long oil ETN, thanks to the government's regulatory crackdown that is more likely to come sooner than later (margin requirement change, particularly on commodities trading).

Credit requirements are less strict than for conventional mortgages, putting these government home loans in reach of borrowers with short credit histories or flawed credit.

These are government - insured loans, so the credit - score requirements are generally lower than those for a conventional / non-government-insured loan.

Whenever the «upside down» event occurs (the amount due is greater than the value of the home at time of sale), under the FHA requirements, the lender will look to the government for the difference.

Since FHA loans are backed by the government, requirements for loan approval tend to be easier than most other loan types.

FHA loans are designed to help home buyers, so these government - insured loans usually come with more lenient requirements than typical mortgages or refinancing terms from traditional lenders.

Credit score requirements are often higher for conventional loans than for government - backed mortgages.

The FTC's complaint notes that, although the Department of Education and state government agencies administer loan forgiveness and discharge programs, none of the programs guarantees a fixed, reduced monthly payment for more than one year, and most people do not meet the programs» strict eligibility requirements.

But recent changes to what is called prescribed asset requirements has freed this market from government prescription to a certain extent, with rates now generally higher than the inflation rate.

Because the government insures all or a portion of the total dollar amount of these mortgage loans, FHA and VA loans generally require lower down payments and have lower qualification requirements than Conventional loans.

Among these requirements are the following: (i) at least 90 % of the fund's gross income each taxable year must be derived from dividends, interest, payments with respect to securities loans, and gains from the sale or other disposition of stock, securities or foreign currencies, or other income derived with respect to its business of investing in such stock or securities or currencies and net income derived from an interest in a qualified publicly traded partnership; (ii) at the close of each quarter of the fund's taxable year, at least 50 % of the value of its total assets must be represented by cash and cash items, U.S. Government securities, securities of other RICs and other securities, with such other securities limited, in respect of any one issuer, to an amount that does not exceed 5 % of the value of a Fund's assets and that does not represent more than 10 % of the outstanding voting securities of such issuer; and (iii) at the close of each quarter of the fund's taxable year, not more than 25 % of the value of its assets may be invested in securities (other than U.S. Government securities or the securities of other RICs) of any one issuer or of two or more issuers and which are engaged in the same, similar, or related trades or businesses if the fund owns at least 20 % of the voting power of such issuers, or the securities of one or more qualified publicly traded partnerships.

Requirements for government loans will vary based on your area, housing needs, and income, though most will be easier to qualify for than conventional private home loans.

Kantorowich also slammed Russia's visa entry requirements that see it easier for business people to enter the country on tourist visa than it is on business visas, while accusing the government of playing politics with the inbound industry.

C. Technically, it is still possible to solve the climate problem, but there are two essential requirements: (1) a simple across - the - board (all fossil fuels) rising carbon fee [2] collected from fossil fuel companies at the domestic source (mine or port of entry), not a carbon price «scheme,» and the money must go to the public, not to government coffers, otherwise the public will not allow the fee to rise as needed for phase - over to clean energy, (2) honest government support for, rather than strangulation of, RD&D (research, development and demonstration) of clean energy technologies, including advanced generation, safe nuclear power.