Tag Archives: Dangers

Fitch: Chinese Life Insurers Face Greater Asset Dangers

(The following statement was released by the rating agency) Hyperlink to Fitch Ratings’ Report: 2016 Outlook: China Life Insurers right here HONG KONG, December 02 (Fitch) Chinese life insurers are taking on larger asset dangers due to higher equity exposures and surging option investments such as debt investment plans, trust schemes and wealth management items, Fitch Ratings says in a new report. Elevated alternative investments make Chinese life insurers’ credit profiles a lot more vulnerable to an financial downturn as these varieties of investments are normally less liquid than straight bonds, and are focused on the infrastructure and genuine-estate sectors. Alternative investments accounted for about five%-17% of surveyed insurers’ assets as of finish-1H15. Greater equity exposures also indicate greater vulnerability of their capitalisation to unfavourable stock industry movements. However, the effect of China’s stock marketplace correction in 2H15 must be manageable provided their stronger solvency positions following the stock market’s rally since mid-2014. Flexibility to decrease policyholders’ dividends can also mitigate the influence of poor investment yields. The far more granular capital regime under the China Risk Oriented Solvency Program is spurring Chinese life insurers to problem a lot more equity-like hybrid securities. China Life Insurance Company Restricted issued the first Core Tier II instruments beneath the new regime in June 2015. Subordinated debts stay the primary supplementary capital the key life insurers’ economic leverage stayed at 19%-28% at finish-2014. Fitch expects Chinese life insurers to price tag their policies far more aggressively following the regulator’s removal of the two.five% cap on assured returns for policyholders. However, the cap (three% for participating, three.five% for universal life and 3.five%-four.025% for non-participating products) on the discount price utilized to decide statutory insurance coverage reserves will avert excessive competition. The two.5% cap on guaranteed returns on insurance coverage policies was fully removed in October 2015. Fitch is preserving its Rating and Sector Outlooks at Steady for the Chinese life insurance coverage sector as it believes that the rated insurers’ resilient market positions, and adequate capitalisation and external funding capabilities will keep supporting their credit strength. Continued earnings volatility and fierce competitors among homogenous goods are key rating constraints. The report, “2016 Outlook: China Life Insurers”, is available at www.fitchratings.com or by clicking on the hyperlink in this media release. Contacts: Joyce Huang Director +852 2263 9595 Fitch (Hong Kong) Restricted 19/F Man Yee Developing 68 Des Voeux Road Central, Hong Kong Terrence Wong Director +852 2263 9920 Jeffrey Liew Senior Director +852 2263 9939 Media Relations: Wai-Lun Wan, Hong Kong, Tel: +852 2263 9935, E mail: wailun.wan@fitchratings.com. Additional data is available at www.fitchratings.com. ALL FITCH CREDIT RATINGS ARE Subject TO Particular LIMITATIONS AND DISCLAIMERS. PLEASE Study THESE LIMITATIONS AND DISCLAIMERS BY FOLLOWING THIS Link: here. IN ADDITION, RATING DEFINITIONS AND THE TERMS OF USE OF SUCH RATINGS ARE Offered ON THE AGENCY’S PUBLIC Internet site ‘WWW.FITCHRATINGS.COM’. PUBLISHED RATINGS, CRITERIA AND METHODOLOGIES ARE Available FROM THIS Internet site AT ALL Times. FITCH’S CODE OF CONDUCT, CONFIDENTIALITY, CONFLICTS OF INTEREST, AFFILIATE FIREWALL, COMPLIANCE AND OTHER RELEVANT POLICIES AND PROCEDURES ARE ALSO Offered FROM THE ‘CODE OF CONDUCT’ SECTION OF THIS Internet site. FITCH May possibly HAVE Supplied An additional PERMISSIBLE SERVICE TO THE RATED ENTITY OR ITS Connected THIRD PARTIES. Details OF THIS SERVICE FOR RATINGS FOR WHICH THE LEAD ANALYST IS Based IN AN EU-REGISTERED ENTITY CAN BE Located ON THE ENTITY SUMMARY Web page FOR THIS ISSUER ON THE FITCH Web site.

Agen Sabung Ayam – Vocal Strain Poses Lengthy-Term Dangers for Coaches. Anybody Have a Lozenge?

Agen Sabung Ayam


Left: Virginia Tech Coach Buzz Williams has a spoonful of honey prior to each and every game.
: Jamelle Elliott, the Cincinnati womenâ??s coach, loses her voice by October every year.
Correct: Rick Pitino uses a microphone at practices to lessen vocal strain.
Credit Don Petersen/Roanoke Instances, by means of AP Joe Raymond/AP Seth Wenig/AP

Some college basketball coaches safeguard their voices with daily cups of tea. Other folks gargle with salt water in the morning and before games. Other folks stick with Life Savers and cough drops. Or at least they try.

â??I donâ??t have the patience to suck on them,â? Rhode Island Coach Dan Hurley mentioned of his on-once more, off-again connection with throat lozenges. â??I just crush them up in seconds.â?

Buzz Williams received a warning in the form of a camera down his throat. Five years ago, when he was the coach at Marquette, Williams was in the midst of yet another grinding season when he received a letter from an alumna. She was a laryngologist and had heard him speaking. With such a raspy voice at 38, Williams was probably performing serious harm to it, she mentioned.

She offered to give him a nasendoscopy, and when she switched on the monitor with the camera in his throat, she was swiftly capable to point out inflammation and other harm. Williams, who had been a coach for over 15 years, was finally forced to take into account what his job was carrying out to his voice.


Left: Seth Greenberg, now an ESPN analyst, twice had surgery to take away polyps in his throat.
Center: Jimmy Patsos, the coach at Siena, has switched from cough drops to Life Savers.
Proper: Tea assists Dan Hurley of Rhode Island. Nevertheless, he mentioned, even whispering can hurt.
Credit Streeter Lecka/Getty Pictures Mel Evans/AP Stew Milne/AP

â??Itâ??s not just the games,â? said Williams, now the coach at Virginia Tech. â??Itâ??s the day-to-day abuse to your voice, in practices, film sessions and then games. Itâ??s the totality of the toll of getting a coach.â?

Yelling and coaching go hand in hand. Coaches will raise their voices to make an influence, to get a point across, to berate a player or an official, or to be heard more than a noisy crowd. College basketball coaches do far more yelling than coaches in nearly any other sport, and they do it whether or not the players are a few feet away or at the other finish of the court.

â??It sounds like you have a cold or