Sentences with phrase «using rating agencies»

The concept of using rating agencies to assess the level of risk associated with a debt arose around the beginning of the 20th century when three major credit rating agencies were formed.

But the regulators should use this, if we are not using rating agencies, as a proxy for credit risk in bank asset portfolios.

Given my experiences with the NAIC SVO, it is much better to use the rating agencies.

They either have to use the rating agencies, or build internal ratings themselves.

Using ratings agencies such as A.M Best, Fitch Moody's or Standard & Poor's can help you get an overall view of the financial health of a life insurance company.

Not exact matches

However it can become an issue if a company's debt - to - EBITDA ratio — the metric rating agencies use to measure debt load — is above two times, says Sinha.

It also offers specific policy recommendations including providing tax credits to promote venture capital investments in minority businesses, as well as tax credits for new low - income entrepreneurs, and encouraging the use by credit rating agencies of alternative data such as rent and utility payments in establishing credit histories.

The components of the securities held by the Fund will be rated by Chinese credit rating agencies, which may use different criteria and methodology than U.S. entities or international credit rating agencies.

So its already used it, and now its already run through it and its been downgraded by the ratings agencies and its about to go bankrupt anyway.

The only constraint now is the fact that foreigners and domestic investors have now realized the degree to which that the banking system, Wall Street and the rating agencies are run by men that used to be crooks, but now are euphemized simply as «creative accountants.»

Without a doubt, the same degree of fraud of has been used to concoct the various tranches in these CMBS trusts that was employed during the mid-2000's mortgage / housing bubble, with full cooperation of the ratings agencies then and now.

For complete information on the methodology and definitions used by each rating agency, please visit the following websites.

Before using ratings as one factor in your investment selection process, learn about the methodologies and criteria each ratings agency employs.

a criteria used to evaluate the creditworthiness, or risk of default, of an individual fixed - income security; generally expressed through ratings provided by one of the credit ratings agencies

To project future years, the average growth rate for child benefits in recent years was used, based on historical data from Canada Revenue Agency (CRA) and the Public Accounts.

estimate of annual income from a specific security position over the next rolling 12 months; calculated for U.S. government, corporate, and municipal bonds, and CDs by multiplying the coupon rate by the face value of the security; calculated for common stocks (including ADRs and REITs) and mutual funds using an Indicated Annual Dividend (IAD); calculated for fixed rate bonds (including treasury, agency, GSE, corporate, and municipal bonds), CDs, common stocks, ADRs, REITs, and mutual funds when available; not calculated for preferred stocks, ETFs, ETNs, UITs, international stocks, closed - end funds, and certain types of bonds

The ratings agencies aren't perfect, and good buy - side shops use them, but don't rely on them.

Goodman and other market participants note that the GSEs and the rating agencies are still using antiquated versions of the FICO model in their own models, versions that ignore advancements in new data and how events such as medical expenses are weighted in credit models.

This score is used by agencies to determine how much money they are willing to lend you, how much credit they would extend you, and what interest rates you can get on a variety of financial products.

Another opinion piece at the FT suggests that regulators should not use ratings from rating agencies, but does not suggest a replacement idea, aside from some weak market - based concepts.

Ratings agencies such as Standard & Poor's and Fitch Ratings use AAA to indicate the highest credit quality, while Moody's uses Aaa.

If only two agencies assign ratings, the lower rating is used.

Credit ratings agencies are going to have to get used to «a new regime» in the wake of the Equifax consumer data hack, a top Washington regulator said Wednesday.

The Canada Revenue Agency (CRA) advises using the Bank of Canada exchange rate that was in effect on the day you received the income or using the average annual exchange rate.

For complete information on the methodology and definitions used by each rating agency, please visit the following websites; S&P - www.standardandpoors.com, Moody's - www.moodys.com, Fitch - www.fitchratings.com

My agency doesn't stand to make a nickel off it, but they're giving me the use of their screening room, their phone list and client list, people like Will.I.Am and Peter Gabriel who saw the film and were then incredibly generous in giving their songs at a great rate when I couldn't afford their music normally.

find agencies in their area both by postcode or by name; rate agencies using a simple star rating system on levels of pay, quality of training, ease of finding work and support received; write reviews, explaining their experiences, both good and bad, of the agency, or agencies, they have used; read reviews written by other supply teachers, including viewing their star rating and seeing the average levels of pay that are offered; add new supply agencies as and when they open; and participate in regular polls, highlighting the key issues that affect supply teachers.

Question topics included the estimated time for completion of all of the Sandy recovery home rebuilding, the implementation of new flood maps, whether de Blasio's reported future endorsement of Hillary Clinton is tied to a longterm need for federal government assistance, whether in Secretary Castro's view the City could do better on any element of Sandy recovery efforts, communicating an increased sense of urgency to City agencies, significant variations in the reported number of Build It Back applicants, how the City will continue its increased rate of repairs, details on the construction firms used in the program and praise for developer Gerry Romski.

He pinned his colours to the rating agencies» mast by using the preservation of the triple A as a justification for austerity.

Using detailed, ground - level data from the United States Geological Survey (USGS) and Environmental Protection Agency, Cardenas and Kiel analyzed the waterways for sinuosity (how much they bend and curve); the texture of the materials along the waterways; the time spent in the sediment (known as the hyporheic zone); and the rate at which the water flows through the sediment.

Peterson isn't sure how engineers will use the new information, but he says the agency couldn't be confident in longer term predictions when so many factors — the price of oil, the actions of regulators — could influence earthquake rates.

«Many of these organizations aren't used to dealing with that magnitude of money or dealing with some of the federal rules,» he said of the local agencies charged with doling out much of the money, after expressing disappointment with the rate of disbursement.

Using data from the US Centers for Disease Control and Prevention (CDC) Multiple - Cause of Death Files (2006 - 2015), US Census Bureau, US Department of Agriculture Economic Research Service, Agency for Healthcare Research and Quality, and Northeast Regional Center for Rural Development, the study modeled associations between county - level drug - related mortality rates and economic, social, and healthcare environments.

In 2001, the U.S. Agency for Healthcare Research and Quality (AHRQ) followed, rating this the second most relevant practice for improving patient safety, and a year later the American Heart Association (AHA) / American College of Cardiology (ACC) called for wider preoperative Beta - blocker use.

The European Space Agency's Herschel Space Observatory, for which NASA plays an important role, was used to confirm the estimate from Spitzer data of the low star - formation rate in the central regions of NGC 4258.

The underlying factor in the high success rate of using the agencies is that the ladies and the men are ready, prepared, and willing to meet, start relationships, and marry.

Co-founder Cliff Wener says that some of Vumber's biggest customers are advertising agencies that use it to assign different phone numbers to regional ad placements in print media, so that they can track the response rate.

Use Street directory App to find exclusive offers near you Subscribe now for Dating Woman Agency newsletter to receive news, updates, photos of top rated members, feedback, tips and dating articles to your e-mail.

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Some have argued that the legal basis for this mandate can be found in section 1111 (a)(8), the so - called «equitable teacher distribution» requirement, which asks states to submit plans to the Secretary that describe «steps that the State educational agency will take to ensure that poor and minority children are not taught at higher rates than other children by inexperienced, unqualified, or out - of - field teachers, and the measures that the State educational agency will use to evaluate and publicly report the progress of the State educational agency with respect to such steps.»

For example, for purposes of allocating state education funding, the Texas Education Agency uses the count of students for whom meals are reimbursed at the free rate.

To counteract the effects of staff churn, and to help boost retention rates and improve teacher agency, VCS is now hyper - focused on providing ongoing Professional Development (PD) opportunities for new and existing staff — and they're using DreamBox PD resources, such as MyFlexPD, ™ to help get everyone up to speed fast.

The Association has called on Congress to support the efforts of states and local education agencies to increase student engagement and lower dropout rates using research - based approaches that ensure high school graduates become productive citizens.

Rating: 2 - Most teachers across the agency use common grading and reporting policies, processes, and procedures based on criteria that represent each student's attainment of content knowledge and skills.

D. Uses resources such as community service agencies, school personnel, and parents to meet student learning Levels, rates and styles.

Rating: 3 - Using data from student assessments and an examination of professional practice, agency and school personnel monitor and adjust curriculum, instruction, and assessment to ensure vertical and horizontal alignment and alignment with the school's goals for achievement and instruction and statement of purpose.

Rating: 3 - All teachers throughout the agency use an instructional process that informs students of learning expectations and standards of performance.

Rating: 3 - Using data from assessments and an examination of professional practice, agency personnel monitor and adjust programs and services to ensure alignment with agency's purpose and improvement goals and to guide ongoing adjustments in delivery.

Once a plan receives approval from the agency, districts and charters may use the locally developed domains and indicators along with the three state domains to assign A — F ratings for each campus.

Due to the requirement under the federal No Child Left Behind Act that each state's Title I plan must describe «the specific steps that the state education agency will take to ensure that poor and minority children are not taught at higher rates than other children by inexperienced, unqualified, or out - of - field teachers and the measures that the state education agency will use to evaluate and publicly report the progress,» TEA formed a stakeholder group, upon which TCTA served, to develop its State Educator Equity Plan.