Sentences with phrase «value adjustments as»

The pretax results reflected, among others, $ 20.5 million in favorable Ginnie Mae and GSE MSR fair value adjustments as a result of the rising interest rates in the quarter.

Not exact matches

In the opinion of the Company's management, adjusted book value per share is useful in an analysis of a property casualty company's book value per share as it removes the effect of changing prices on invested assets (i.e., net unrealized investment gains (losses), net of tax), which do not have an equivalent impact on unpaid claims and claim adjustment expense reserves.

As well, the company's gross margins before fair value adjustments shrunk from 58 per cent of sales or $ 12.5 million, compared to 64 per cent of sales or $ 6.2 million in the fiscal third quarter a year ago.

Our GAAP diluted EPS guidance does not include the effect of GAAP adjustments triggered by events that may occur subsequent to this press release such as acquisitions, asset impairments, litigation and changes in the fair value of our contingent consideration.

Excludes fair value adjustments of marketable equity securities, as we are unable to project future fair value adjustments, and potential measurement period adjustments relating to Tax Reform in 2018.

There may be too many count and we have found that it is best to just value these as zero in net gains or losses, admitting that a surprise in value adjustments may come in periods of volatility.

The difference between the option exercise price and the fair market value of the Shares on the exercise date is treated as an adjustment in computing the optionee's alternative minimum taxable income and may be subject to an alternative minimum tax which is paid if such tax exceeds the regular tax for the year.

Upon exercise of an ISO, the spread between the fair market value of the shares received and the exercise price will be an item of adjustment for purposes of the alternative minimum tax, unless the participant disposes of the shares in the same tax year as the ISO is exercised.

If I choose to take 4 % of the portfolio value each year as income (no adjustments for inflation) then the fund never falls to zero (I modelled it for 40 years) and the upper and lower final values (after 40 years) fall within «reasonable» limits.

Gaining an understanding of what influences choices about values as well as how these values influence the purchase decision allows for making the nimble and even subtle adjustments to strategies that connects with buyers on where they are at that moment.

These benefits include but are not limited to the power of the human touch and presence, of being surrounded by supportive people of a family's own choosing, security in birthing in a familiar and comfortable environment of home, feeling less inhibited in expressing unique responses to labor (such as making sounds, moving freely, adopting positions of comfort, being intimate with her partner, nursing a toddler, eating and drinking as needed and desired, expressing or practicing individual cultural, value and faith based rituals that enhance coping)-- all of which can lead to easier labors and births, not having to make a decision about when to go to the hospital during labor (going too early can slow progress and increase use of the cascade of risky interventions, while going too late can be intensely uncomfortable or even lead to a risky unplanned birth en route), being able to choose how and when to include children (who are making their own adjustments and are less challenged by a lengthy absence of their parents and excessive interruptions of family routines), enabling uninterrupted family boding and breastfeeding, huge cost savings for insurance companies and those without insurance, and increasing the likelihood of having a deeply empowering and profoundly positive, life changing pregnancy and birth experience.

As newspaper circulation and revenues from print sales and advertising thus decline, the value of the indirect subsidies meant to help the industry thrive will diminish — and they do nothing to help it address the more fundamental challenge of structural adjustment that it faces.

«We are in contact with local elected officials and value our relationship with local communities — after weeks of advance notice and discussions we're now closely monitoring local subway and bus ridership and will make adjustments as necessary.»

They measured students» beliefs about themselves, both broadly and about their academic abilities, as well as their social adjustment in school, including their feeling of belonging and attachment, academic values, and peer support.

No statistical adjustments were needed to correct for bias, so a comparison between classrooms within the same school can be regarded as a comparison of «true value - added».

But the lack of demographic adjustments in the published data that can ensure apples to apples comparison among states limit its value as a tool for determining which states perform more or less well than other states or as a means of analyzing performance in the context of differing state education policies.

Such an adjustment for the makeup of the class is already factored into teachers» value - added scores; it should be factored into classroom observation scores as well.

There are no hidden charges, no gouging for rustproofing, undercoating, upholstery protection or any other dealer - added rip - off item, such as extra profit «market value adjustments.»

Loan - level pricing adjustments vary by borrower, based on loan traits such as loan - to - value (LTV), credit score, occupancy type, and number of units in a home.

We make adjustments as often as is necessary to keep your risk of loss at the level predefined when you created your portfolio and selected your VaR (Value - at - Risk).

The market value adjustment will, as the name suggests, adjust the amount you're able to surrender based on market conditions at that time.

There are two types of MYGAs: those with a market value adjustment (MVA) or without, known as book value (BV).

You're free to make that assumption and take it into account in your decisions, but we're keeping things simple by assuming that the time value of money is the same as the inflation adjustments.

As noted above, and like many mortgage - related things, your mortgage insurance premium is based upon several factors, including your credit score, the amount of your down payment as a percentage of the value of the home (LTV); your choice of mortgage product (fixed rate or adjustable rate — and how frequent the rate adjustment will be); the length of the term of your mortgage (15, 20, 25, 30 years), the amount of the mortgage and of course the level of coverage the investor requires for your kind of loan and borrower profilAs noted above, and like many mortgage - related things, your mortgage insurance premium is based upon several factors, including your credit score, the amount of your down payment as a percentage of the value of the home (LTV); your choice of mortgage product (fixed rate or adjustable rate — and how frequent the rate adjustment will be); the length of the term of your mortgage (15, 20, 25, 30 years), the amount of the mortgage and of course the level of coverage the investor requires for your kind of loan and borrower profilas a percentage of the value of the home (LTV); your choice of mortgage product (fixed rate or adjustable rate — and how frequent the rate adjustment will be); the length of the term of your mortgage (15, 20, 25, 30 years), the amount of the mortgage and of course the level of coverage the investor requires for your kind of loan and borrower profile.

Vanguard managed funds were more risky in general, and their managers did not make prescient style adjustments, as market returns for different investment styles (e.g. growth versus value) fluctuated.

For example, if you're being hit for having a less - than - stellar credit score, that adjustment will grow larger as the loan - to - value ratio increases (higher LTV ratio = greater risk).

(But if a lender bases interest rate adjustments on the average value of an index over time, your interest rate would not be as volatile.)

As noted in topic 56, this adjustment is intended to represent the present value of the pension benefits you earned for the previous year in your registered pension plan (RPP) or deferred profit sharing plan (DPSP).

Appraised value: estimated value of a property as determined by a lister / assessor before any adjustments are made to that value for taxing purposes.

To bring this back to my usual 15 % limit, we'd need to see a debt haircut of about 75 M — we'll add this as a negative debt adjustment to my P / S multiple, so my fair value's now:

Here are the relevant adjustments and pro forma «Shareholders equity», which equates to our Net Asset Value as of March 31, 2010.

(This equates to approximately a 3.5 % yield) If an EE Bond does not double in value (reach its face value) as a result of applying the fixed rate of interest for those 20 years, Treasury will make a one - time adjustment at the 20 year anniversary of the bond's issue date to make up the difference.

The accrued dividend on any subsequent calendar day will equal (1) the accrued dividend as of the immediately preceding calendar day plus (2) the dollar dividend value on such calendar day minus (3) the coupon adjustment dividend amount on such calendar day.

The accrued investor fee on any subsequent calendar day will equal (1) the accrued investor fee as of the immediately preceding calendar day plus (2) the daily fee value on such calendar day minus (3) the coupon adjustment fee amount on such calendar day.

If barn management or the horse's monetary value prevents communal turn - out, creative barn adjustments such as installing bars in place of walls between stalls can help.

American Express has been making quite a few adjustments to their premium credit cards lately to stay competitive as other banks rush to attract new customers and release their own version of high - value premium credit cards.

Removing all CO2 would result in a radiative forcing of -22 W / m2, TOA — I don't know the tropopause level with stratospheric adjustment value; assuming it is similar to in proportion to the TOA forcing as for doubling CO2, removing all CO2 might have a tropopause level with stratospheric adjustment forcing somewhere roughly around -30 W / m2, though that proportionality may break down as we get to a point where CO2 is not saturated... But using 22/3.7 and 30/3.7, it appears for a rough estimate that the logarithmic proportionality for CO2 may break down before about 6 to 8 halvings of CO2.

From what I can read of the graphs given (not at all easy given what you've provided), the adjustment does look like an entire degree — 50 % of the value, as MacIntyre claimed.

Since this is the value presented it shouldn't even be referred to as sea level — particularly with the GIA adjustment that adds 0.3 mm because in theory the sea bottom is sinking.

Making small adjustment to the models to reflect these factors lead to values as high as $ 893 per ton in 2010 and $ 1550 in 2050.

2) CAGW movement type models never reconstruct any lengthy past history accurately without creative and unique adjustment of aerosol values used as a fudge factor; that is why models of widely varying sensitivities supposedly all accurately reconstruct the past (different made - up assumed historical values used for each) but fail in future prediction, like they didn't predict how global average temperatures have been flat to declining over the past 15 years.

This starts with CRU and Hansen criticized HAdCRU adjustments in the early going as ad hoc and of dubious value, as I posted before.

PCA was performed as the first step (after areal adjustment) on the gridded instrumental data, 1902 — 1995 and the individual proxy series from 1902 — 1980 were calibrated against the corresponding EOFs of the instrumental data matrix by singular value decomposition to determine retention of reconstructed PCs for each proxy series and then tested for robustness against the 1854 — 1902 validation period as well as a smaller subset of instrumental / historical EOFs going back to the 16th century.

... One doesn't expect Team adjustments to leave even small scraps on the table and this proved to be the case here as well — the added data substantially increased 20th century values and substantially lowered 1150 - 1250AD values, thereby altering the medieval - modern differential in favor of the 20th century.

As you will know, aerosol indirect effect should not really appear in iRF at all, since adjustments by clouds are not instantaneous; Hansen 2005 did not show any iRF value for it.

«Actual» versus «Bill As» allows you to track both the actual time and producer as well as adjustments made prior to billing (length of time, value assigned, or even the producer)-- Meet client requirements for billing protocols while preserving records of the actual investment of time and dollaAs» allows you to track both the actual time and producer as well as adjustments made prior to billing (length of time, value assigned, or even the producer)-- Meet client requirements for billing protocols while preserving records of the actual investment of time and dollaas well as adjustments made prior to billing (length of time, value assigned, or even the producer)-- Meet client requirements for billing protocols while preserving records of the actual investment of time and dollaas adjustments made prior to billing (length of time, value assigned, or even the producer)-- Meet client requirements for billing protocols while preserving records of the actual investment of time and dollars

Along with the cash value building as time goes on, the universal life option from Thrivent Financial allows all policyholders to make adjustments as their life changes.

-- As opposed to a term policy, which expires with no payout or cash value at the end of the term, a permanent policy covers the policy owner throughout all of his / her life without an unwanted adjustment in premiums.

In a life insurance policy, the cash value is the amount of money — before adjustment for factors such as policy loans or late premiums — that the policyowner will receive if s / he allows the policy to lapse or cancels the coverage and surrenders the policy to the insurance company.

Going across the Lowndes County - Valdosta line can make a difference in the insurance quotes that homeowners get to choose from, and as more new folk settle, population causes adjustments that can change the values that turn into dollars in your home policy.