Jumbo loans have higher interest rates to compensate
for the additional risk.
Other studies have reported similar results, even after controlling
for additional risk factors, like child neglect, abuse, or having a mother with mental health problems (Lansford et al 2009; Coley et al 2014; Taylor et al 2010; MacKenzie et al 2015).
Where the electric is concerned, newer homes are built with better fail safes than older homes, and that may mean that your insurance costs are affected to compensate
for the additional risk.
There are processes in place to be able to charge appropriately
for additional risk, but they're quite limited and make it difficult for carriers to break even in many situations.
Conclusion: I have taken ICICI Term insurance plan earlier and recently applied for HDFC Life Click 2 Protect Plus
for additional risk coverage.
However if you opt
for additional risk coverage for accidental death benefit, you would get more.
This extra premium is to compensate
for the additional risk the insurer is taking on.
This is to compensate
for the additional risk the insurance company takes on to cover an older policy holder.
Remember, you always need to be properly compensated
for the additional risk you take for not holding a risk - free asset.
That doesn't seem to be much of a premium
for the additional risk.
Risk - Free Rate of Return (rf) The risk - free rate of return is used to see if you are being properly compensated
for the additional risk you are taking on with the asset.
Implementing Fama's premises, Booth (and retired co-founder Rex Sinquefield) set out to capture market returns, while seeking to enhance those returns through very efficient trading methods and by tilting the market portfolio toward small companies and value stocks; Fama's other research (together with Ken French) showed that small and value stocks delivered compensated risk exposures — additional returns
for the additional risk taken.
This is because borrowers who choose to waive escrows are often charged a small fee, or are shown a slightly higher mortgage rate, to compensate the lender
for its additional risk.
Its bond has to be markedly higher than a triple A bond to attract investors, and to make up
for the additional risk of possible default.
Indeed, for the more dangerous issuers, e.g. California, yields are much higher than equivalent Treasuries to compensate
for the additional risk.
However, because mortgages are a riskier investment for a lender than purchasing a note guaranteed by the U.S. government, lenders add a percentage to the Treasury rate to account
for the additional risk of a mortgage default.
Does 1.24 % / year over the 10 - year Treasury note really give you compensation
for the additional risk?
CBA currently offers a dividend yield of around 5 per cent, and while this is above the rates provided by term deposits (which are around 3 to 4 per cent) it is difficult to justify if this marginally higher yield provides sufficient compensation
for the additional risk.
For additional risk considerations please see the prospectus.
One school of thought is that value stocks are riskier than the market as a whole and investors are compensated with higher expected returns
for the additional risk.
In general, any extra options or riders added to a policy will require compensating the insurer
for additional risk they've assumed.
Lower - rated bonds generally offer higher yields to compensate investors
for the additional risk.
There are processes in place to be able to charge appropriately
for additional risk, but they're quite limited and make it difficult for carriers to break even in many situations.
This is an extra cost that an insurer adds to normal premium fees to compensate
for the additional risk the applicant presents, based on mortality rates.
That is why credit card companies may likely charge you high interest rate in order to cater
for the additional risk they may need to carry.
There is nothing like the protection of the CDIC, and so Manitoba Credit Unions offer better rates in exchange
for the additional risk savers take.
A 2008 paper from Dimensional Fund Advisors argued that a 50 - stock portfolio would need to beat the market by 10 basis points per month to reward the investor
for the additional risk.
The corporate bond, therefore, will pay a higher coupon to compensate investors
for the additional risk.
Other studies have reported similar results, even after controlling
for additional risk factors, like child neglect, abuse, or having a mother with mental health problems (Lansford et al 2009; Coley et al 2014; Taylor et al 2010; MacKenzie et al 2015).
Be aware that jumbo loans are accompanied by higher interest rates to make up
for the additional risk.
Banks attach higher interest rates to jumbo loans in an effort to compensate
for the additional risk.
Lower - rated bonds generally offer higher yields to compensate investors
for the additional risk.
For additional risk considerations please see the prospectus.
To compensate convertible note holders
for the additional risk assumed with investing at an early stage, most convertible notes feature a conversion price below that of the subsequent financing round through the use of a valuation cap or a discount on the purchase price.
Jumbo loans have higher interest rates to compensate
for the additional risk.
The ability for equities to generate higher rates of return help to compensate
for the additional risks of investing in them.
Please refer to the prospectus section Principal Investment Risks
for additional risks that could affect the value of your investment.
This is to compensate lenders
for the additional risks they take.
When comparing hybrids to other investments, consider which features are better suited to your personal circumstances, and whether the promised return fairly compensates
you for the additional risks involved.
Depending upon the insurance company providing your coverage, you can typically choose a standard policy with the items above or a broader policy with coverage
for additional risks.
If policyholder feels that he / she needs cover
for additional risks, then he / she may opt for these rider features, and these include the accidental death and accidental disability riders and can be opted along with the basic plan during any policy anniversary of the premium paying term of the policy by payment of the additional premium amount.
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.
We are planning to have support
for bitcoin cash by January 1, 2018, assuming no
additional risks emerge during that time.
Essentially, the study concluded that
for every
additional year worked, the
risk of dementia is reduced by 3.2 %.
This means there's an opportunity
for startups to capitalize on these
risks with
additional security solutions.
Additional sensitive subject classifiers to make it easier
for brands to exclude high
risk content and fine - tune where they want their ads to appear.
More fine - tuned controls —
additional controls will make it easier
for brands to exclude higher
risk content and select where their ads appear.
«We think there is some
risk that Apple could be in store
for some
additional near - term losses.»
Actual results, including with respect to our targets and prospects, could differ materially due to a number of factors, including the
risk that we may not obtain sufficient orders to achieve our targeted revenues; price competition in key markets; the
risk that we or our channel partners are not able to develop and expand customer bases and accurately anticipate demand from end customers, which can result in increased inventory and reduced orders as we experience wide fluctuations in supply and demand; the
risk that our commercial Lighting Products results will continue to suffer if new issues arise regarding issues related to product quality
for this business; the
risk that we may experience production difficulties that preclude us from shipping sufficient quantities to meet customer orders or that result in higher production costs and lower margins; our ability to lower costs; the
risk that our results will suffer if we are unable to balance fluctuations in customer demand and capacity, including bringing on
additional capacity on a timely basis to meet customer demand; the
risk that longer manufacturing lead times may cause customers to fulfill their orders with a competitor's products instead; the
risk that the economic and political uncertainty caused by the proposed tariffs by the United States on Chinese goods, and any corresponding Chinese tariffs in response, may negatively impact demand
for our products; product mix;
risks associated with the ramp - up of production of our new products, and our entry into new business channels different from those in which we have historically operated; the
risk that customers do not maintain their favorable perception of our brand and products, resulting in lower demand
for our products; the
risk that our products fail to perform or fail to meet customer requirements or expectations, resulting in significant
additional costs, including costs associated with warranty returns or the potential recall of our products; ongoing uncertainty in global economic conditions, infrastructure development or customer demand that could negatively affect product demand, collectability of receivables and other related matters as consumers and businesses may defer purchases or payments, or default on payments;
risks resulting from the concentration of our business among few customers, including the
risk that customers may reduce or cancel orders or fail to honor purchase commitments; the
risk that we are not able to enter into acceptable contractual arrangements with the significant customers of the acquired Infineon RF Power business or otherwise not fully realize anticipated benefits of the transaction; the
risk that retail customers may alter promotional pricing, increase promotion of a competitor's products over our products or reduce their inventory levels, all of which could negatively affect product demand; the
risk that our investments may experience periods of significant stock price volatility causing us to recognize fair value losses on our investment; the
risk posed by managing an increasingly complex supply chain that has the ability to supply a sufficient quantity of raw materials, subsystems and finished products with the required specifications and quality; the
risk we may be required to record a significant charge to earnings if our goodwill or amortizable assets become impaired;
risks relating to confidential information theft or misuse, including through cyber-attacks or cyber intrusion; our ability to complete development and commercialization of products under development, such as our pipeline of Wolfspeed products, improved LED chips, LED components, and LED lighting products
risks related to our multi-year warranty periods
for LED lighting products;
risks associated with acquisitions, divestitures, joint ventures or investments generally; the rapid development of new technology and competing products that may impair demand or render our products obsolete; the potential lack of customer acceptance
for our products;
risks associated with ongoing litigation; and other factors discussed in our filings with the Securities and Exchange Commission (SEC), including our report on Form 10 - K
for the fiscal year ended June 25, 2017, and subsequent reports filed with the SEC.