For businesses in low - risk areas, the NFIP offers a preferred
risk policy with coverage for both the building and contents for one low premium, or a contents only policy that's substantially less.
In dealing with the continued weak economy, our leaders are so determined not to repeat the perceived mistakes of the 1930s that they are
risking policies with possibly far worse consequences designed by the same people at the Fed who ran policy with the short term view that asset bubbles don't matter because the fallout can be managed after they pop.
Capital Management — Insurance companies need to set aside funds to cover the eventualities of claims, in the case of high
risk policies with high potential financial liabilities a reinsurance agreement will enable the company to manage some of this risk prudently and thus free up capital for other projects
As we will explain below, there is technically no such thing as SR 22 insurance — the term just reflects a conflation of high
risk policies with the concept of an SR 22 form.
Not exact matches
Important factors that could cause actual results to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions
with respect to the B787 program; 4) margin pressures and the potential for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost of accommodating, announced increases in the build rates of certain aircraft; 6) the effect on aircraft demand and build rates of changing customer preferences for business aircraft, including the effect of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result of global economic uncertainty or otherwise; 8) the effect of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange rates; 9) the success and timely execution of key milestones such as the receipt of necessary regulatory approvals, including our ability to obtain in a timely fashion any required regulatory or other third party approvals for the consummation of our announced acquisition of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements
with Boeing and our other customers; 11) our ability to enter into profitable supply arrangements
with additional customers; 12) the ability of all parties to satisfy their performance requirements under existing supply contracts
with our two major customers, Boeing and Airbus, and other customers, and the
risk of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts of terrorism; 14) any adverse impact on the demand for air travel or our operations from the outbreak of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension plan assets and the impact of future discount rate changes on pension obligations; 17) our ability to borrow additional funds or refinance debt, including our ability to obtain the debt to finance the purchase price for our announced acquisition of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect of changes in tax law, such as the effect of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect of such changes; 21) any reduction in our credit ratings; 22) our dependence on our suppliers, as well as the cost and availability of raw materials and purchased components; 23) our ability to recruit and retain a critical mass of highly - skilled employees and our relationships
with the unions representing many of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate for our additional capital needs or for payment of interest on, and principal of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness of any interest rate hedging programs; 28) the effectiveness of our internal control over financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and other business disruptions for ourselves and Asco as a result of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the
risks of doing business internationally, including fluctuations in foreign current exchange rates, impositions of tariffs or embargoes, compliance
with foreign laws, and domestic and foreign government
policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among other things.
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.
While models that attempt to forecast potential economic impacts provide useful insights regarding potential
risks when exploring
policy choices, the Commission is of the view that it must also consider the potential upsides of greater choice, including the retention of subscribers in the system, as well as the
risks associated
with maintaining the status quo in a context of increased demand for more choice.
Combined
with the loose - money
policies at all the major central banks, high inflation is an increasing
risk.
But HR
policies haven't always caught up
with corporate cultures and staff attitudes, and that poses a management
risk.
The Fed has been a target of some conservative critics in the U.S. Congress, who say the bank
risked sparking inflation
with its easy monetary
policies in response to the global financial crisis.
«The triumph of «America first» as the primary driver of foreign
policy in the world's only superpower marks a break
with decades of US exceptionalism and a belief in the indispensability of US leadership, however flawed and uneven,» Eurasia Group President Ian Bremmer and Chairman Cliff Kupchan wrote in the firm's annual overview of top
risks.
BitSight is only working
with seven out of the 10 largest insurers, but the majority of insurers that write cyber
policies still assess a customer's
risk by asking customers to fill out questionnaires about what types of data a company handles and its security protocols.
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.
The data «explains the recent
policy tightening as
policy makers are getting more and more comfortable
with reaching the growth target this year and have shifted towards
risk management,» wrote Goldman Sachs analysts led by Maggie Wei in Hong Kong today.
While
risk policies are costly, they cover major expenses associated
with a scandal, including advertising, consultations
with specialists and public relations advisers.
After all, you don't want to
risk driving away good talent
with a bad
policy.
Again, stocks are not outright cheap, especially
with liquidity and credit conditions likely having peaked for now and
policy risks higher along several fronts (Fed, regulation, trade).
«We understand that regulatory and
risk factors related to cryptocurrency continue to evolve and as a result, we are closely reviewing our
policies with respect to cryptocurrency transactions,» a Scotiabank spokesperson said in an emailed statement.
Until practices or
policies change, however, consumers would be wise to educate themselves about the privacy and security
risks associated
with «always on» devices in the home, from Google Homes and Amazon Echoes to smart televisions.
And the president's move to replace H.R. McMaster
with policy hawk Bolton, who Sherman described as «a man who has never seen a war he does not want to wage,» could add more
risk into the mix, especially ahead of a historic summit under consideration for Trump and Kim.
«We are aware that there could be negative ripple effects should geopolitical
risks resurface,» Kim Dong - yeon told a hastily arranged
policy meeting
with the central bank and financial regulators before financial markets opened.
Exxon has argued against all the other shareholder proposals as well, including a «
policy to explicitly prohibit discrimination based on sexual orientation and gender identity»; a
policy articulating Exxon's «respect for and commitment to the human right to water»; «a report discussing possible long term
risks to the company's finances and operations posed by the environmental, social and economic challenges associated
with the oil sands»; a report of «known and potential environmental impacts» and «
policy options» to address the impacts of the company's «fracturing operations»; a report of recommendations on how Exxon can become an «environmentally sustainable energy company»; and adoption of «quantitative goals... for reducing total greenhouse gas emissions.»
U.S. - educated Yi, 60, a protege of respected predecessor Zhou Xiaochuan, is widely seen as a safe pair of hands, ensuring
policy continuity as China persists
with its crackdown on
risks and a debt build - up in its increasingly complex financial system.
«In the face of higher inflation
risks, there is a greater need now to proceed
with monetary
policy normalization.»
Besides anti-immigration sentiment, Dimon is also worried about the
risk «de-globalization» poses to J.P. Morgan in the form of «poorly conceived anti-trade
policies»
with Mexico and China, two countries where Trump has made it clear he is not happy
with the status quo.
The cyber
risk policy, in tandem
with other insurance upgrades requested by the healthcare provider, helped Bowman & Partners seal the deal.
Important factors that could cause our actual results and financial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our ability to successfully and profitably market our products and services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or
policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply
with applicable regulations; and the other
risks and uncertainties described in the
Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form 10 - Q.
A survey by Betterley
Risk Consultants Inc. found that a company
with 50 employees can expect to pay anywhere from $ 1,500 to $ 7,000 a year for a
policy with a $ 2,500 deductible and $ 1 - million limit.
Chinese Premier Li Keqiang has defended the country's economic
policies, repeating that there was more opportunity than
risk and vowing that there would be no hard landing for the world's second - largest economy if the government pressed ahead
with reforms.
Yet there appears to be a growing
risk of
policy paralysis,
with European politicians voicing positions that are strongly and publicly opposed by Europe's central bankers.
More broadly, global trade has slowed and financial stability
risks have increased —
with the recent market turmoil partly reflecting lower confidence in the effectiveness of
policies.
Political uncertainty in Japan is high,
with the future of Prime Minister Abe and his economic
policies currently at
risk.
In its assessment of our compensation program for our PMDs, Semler Brossy confirmed that the program has been aligned
with and is sensitive to corporate performance, contains features that reinforce significant alignment
with shareholders and a long - term focus, and blends subjective assessment and
policies in a way that addresses known and perceived
risks.
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.
IBM management, the Compensation Committee and the Committee's outside consultant review IBM's compensation
policies and practices,
with a focus on incentive programs, to ensure that they do not encourage excessive
risk taking.
With the global economy «floating on an ocean of credit,» the current acceleration of credit via central bank
policies will likely produce a positive rate of real economic growth this year for most developed countries, PIMCO chief Bill Gross writes in his latest monthly commentary, but «the structural distortions brought about by zero bound interest rates will limit that growth and induce serious
risks in future years.»
Special
risks are associated
with investing in foreign securities, including
risks associated
with political and economic developments, trading practices, availability of information, limited markets and currency exchange rate fluctuations and
policies.
«Our sense is that the brain drain at the White House, coupled
with the acuteness of the trade
policy debate, will foster a
risk - off bias,» said Boltansky.
They if anything, the insurance
policy for the secondary home might be cheaper
with a family member living there instead of sitting empty (which is considered more high
risk).
Canada managed the financial storm of 2008 better than others because we anticipated
risks and acted proactively
with public
policy foresight, responsible oversight of our financial industry, and better decisions and performance by financial service providers and our clients than was the case in other countries.
Asset prices are in fact much more sensitive to monetary
policy than either the economy or inflation are,
with the incumbent
risk of fueling market bubbles.
[50:20] Determine the principles that will guide your decision - making [50:50] What will happen to the economy when technology disrupts industries [52:30] Technologies can now surpass the capacity of people [53:00] 40 % of jobs will be replaced by technology [54:00] People must learn how to write algorithms [55:00] How to redistribute wealth [56:20] The problem
with many programs and
policies [58:00] Ray's advice for anyone trying to get to the next level [59:50] Why meditation has become so important to Ray [1:02:10] Reduce
risk without reducing returns [1:04:00] The market is a zero sum game [1:05:50] The
risk of ruin [1:06:30] Ray's most important message for you
Investor Environmental Health Network is a collaborative partnership of investment managers and nongovernmental organizations concerned about the financial and public health
risks associated
with corporate toxic chemicals
policies.
If there is a danger that monetary
policy will be seen as «too difficult», there is also a
risk that too much will be expected of it or, at least, that its success or failure will be judged against an impossibly - high standard: it can't cure the business cycle; it can't reduce inflation costlessly; and it can't be operated
with surgical precision.
The problem is that U.S. financial and fiscal
policy has institutionalized the financial sector's short - term outlook, «distorting decision - making away from long - term profitability and stability and toward short - term gains
with insufficient regard for
risk.»
Every week we chat
with leading thinkers in compliance, auditing,
risk management, public
policy and more.
Mr. Yusko and Managing Director Mike Hennessy were responsible for building the Investment Office and subsequent Management Company operations for the UNC Endowment, and they worked closely
with the Investment Fund Board to develop investment
policy, set goals and objectives, establish a strategic framework, select investment managers and manage portfolio
risk.
Everything I have mentioned so far today is consistent
with the existing framework for financial stability
policy in Australia: APRA has the mandate to use its powers to promote financial stability; it can take a holistic approach to
risk; it can and does coordinate
with other regulators, under the auspices of the Council of Financial Regulators.
If I am wrong in either exaggerating the
risks of recession or understating the efficacy of
policy, the costs of taking out insurance against a recession that can not be met
with monetary
policy are relatively low.
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.