Secured personal loan terms typically carry more favorable interest rates, primarily because the creditor is not taking the same
level of risk as they would with an unsecured loan.
(What's still unclear is whether a woman who has been overweight her whole life has the same
level of risk as one who put on pounds through adulthood.)
On the other hand, no one stepping aboard a newly developed rocket ship can realistically expect
a level of risk as low as that of commercial air travel.
Alpha: Measures the difference between a portfolio's actual returns and its expected performance, given
its level of risk as measured by Beta.
Alpha is a measure of the difference between a portfolio's actual returns and its expected performance, given
its level of risk as measured by beta.
It represents the difference between a fund's actual returns and its expected performance, given
its level of risk as measured by beta (see definition of Beta).
Companies with strong gender diversity criteria may be better positioned across all performance drivers, while companies with relatively poor gender diversity criteria may be exposed to higher
levels of risk as a result of discrimination lawsuits, exploitation issues and poor talent retention.
Not exact matches
YELLOWKNIFE, Northwest Territories, May 1 - Bank
of Canada Governor Stephen Poloz said on Tuesday that the view
of the Canadian economy is quite good despite record
levels of household debt, and he was confident the central bank can manage the
risk of that debt even
as interest rates rise.
Pretty much from his first statements
as governor in 2013 — that's about $ 100,000 ago in real estate appreciation terms — through to last week when the bank released its latest financial system review, Poloz has walked a tightrope between admitting that elevated house prices and debt
levels pose a
risk to the economy, and assuring Canadians that the likelihood
of a crash is actually pretty low.
They are simply covering their
level of risk, and even advancing monies at a 50 percent rate,
as this Forbes article explains, some funders actually manage to lose money.
Forward - looking statements are always subject to
risks and uncertainties, and become subject to greater
levels of risk and uncertainty
as they address matters further into the future.
As for where clients» «spare change» actually goes, Acorns invests it in one
of five portfolio options, designed with different
levels of risk by Nobel Prize - winning economist Harry Markowitz.
With the potential
risk in mind, Misek and Squire, who joined the company
as co-founder and CTO, created multiple
levels of security to keep hackers out.
«On a general
level, there can be practical barriers to pursuit
of a criminal case, such
as the victim company's fear
of embarrassment, reputational damage, or the perceived
risk — real or not — that their trade secrets will be exposed in a court proceeding,» said Brooke French, shareholder at law firm Carlton Fields.
Actual results and the timing
of events could differ materially from those anticipated in the forward - looking statements due to these
risks and uncertainties
as well
as other factors, which include, without limitation: the uncertain timing
of, and
risks relating to, the executive search process;
risks related to the potential failure
of eptinezumab to demonstrate safety and efficacy in clinical testing; Alder's ability to conduct clinical trials and studies
of eptinezumab sufficient to achieve a positive completion; the availability
of data at the expected times; the clinical, therapeutic and commercial value
of eptinezumab;
risks and uncertainties related to regulatory application, review and approval processes and Alder's compliance with applicable legal and regulatory requirements;
risks and uncertainties relating to the manufacture
of eptinezumab; Alder's ability to obtain and protect intellectual property rights, and operate without infringing on the intellectual property rights
of others; the uncertain timing and
level of expenses associated with Alder's development and commercialization activities; the sufficiency
of Alder's capital and other resources; market competition; changes in economic and business conditions; and other factors discussed under the caption «
Risk Factors» in Alder's Annual Report on Form 10 - K for the fiscal year ended December 31, 2017, which was filed with the Securities and Exchange Commission (SEC) on February 26, 2018, and is available on the SEC's website at www.sec.gov.
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 global community will rightly expect the pace — alongside a high
level of diligence — to be maintained so that people in affected communities and others living in countries at
risk of Ebola can have access to a vaccine
as soon
as possible.»
Despite concerns about growing
risks, overall property
risks at the national
level are still «controllable,» the report added, citing reasons such
as the availability
of «many tools» to adjust the market, without elaborating on specific options.
Meanwhile government bond yields, a reliable barometer
of market fear, are falling to record low
levels as investors engage in a panicked hunt for
risk - free assets.
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.
More from Balancing Priorities: What to do with your bond portfolio
as Fed rates rise Credit scores are set to rise Don't make these money mistakes when you're just starting out «There is no sense in bearing the
risk of an adjustable rate when you can lock in a fixed rate at essentially the same
level,» he said.
«The idea is that
as institutional investors seek out increasingly higher
levels of risk / return, that Bitcoin may represent the most risky / potentially highest return available, and hence could be evolving quickly into a primary barometer / leading indicator for broader financial markets and
risk appetite.»
REDUCE - IT is the first multinational cardiovascular outcomes study evaluating the effect
of prescription pure EPA therapy, or any triglyceride - lowering therapy,
as an add - on to statins in patients with high cardiovascular
risk who, despite stable statin therapy, have elevated triglyceride
levels (150 - 499 mg / dL).
Buyers will want to see these numbers
as well and will weigh them physically and mentally to assess what
level of risk they are comfortable taking on.
As financial advisors, it's our job to make sure our clients understand the type
of returns to expect, depending on the
level of risk they accept when they invest.
A key
risk measure in money markets known
as the Libor - OIS spread has risen to
levels not seen since worries mounted in 2011 and 2012 over the debt troubles
of European countries Portugal, Italy, Greece and Spain.
The inadequate
level of «
risk adjustment» in the forecast seriously undermines the «credibility»
of the latest fiscal update
as a basis for budget planning.
The inadequate
level of «
risk adjustment» in the forecast seriously undermines the «credibility»
of the latest fiscal update
as a basis for budget planning and the ability to claim a budgetary surplus over the medium term.
This has been the situation in Canada for the past seven years,
as reflected in increasing
levels of household indebtedness and elevated house prices — although,
as I'll discuss later, regulatory measures have been used to mitigate the resulting financial system
risks (Chart 2).3
In short, because they pool longevity
risk, can offer a well - diversified portfolio with longer - term investments, and are professionally managed, public pension funds deliver the same
level of benefits
as DC plans at only 46 percent
of the cost.15 Any funds invested with the state pension fund would be kept in a separate investment pool from public sector funds.
As a result, compared to the March 2012 Budget planning assumption, the
level of nominal GDP is $ 9 billion lower in 2012 — this consists
of a «
risk adjustment factor»
of $ 7 billion and the difference between the change in the private sector average forecast
of $ 22 billion less the March 2012 Budget «
risk adjustment factor»
of $ 20 billion.
Factors that could cause actual results to differ include general business and economic conditions and the state
of the solar industry; governmental support for the deployment
of solar power; future available supplies
of high - purity silicon; demand for end - use products by consumers and inventory
levels of such products in the supply chain; changes in demand from significant customers; changes in demand from major markets such
as Japan, the U.S., India and China; changes in customer order patterns; changes in product mix; capacity utilization;
level of competition; pricing pressure and declines in average selling prices; delays in new product introduction; delays in utility - scale project approval process; delays in utility - scale project construction; delays in the completion
of project sales; continued success in technological innovations and delivery
of products with the features customers demand; shortage in supply
of materials or capacity requirements; availability
of financing; exchange rate fluctuations; litigation and other
risks as described in the Company's SEC filings, including its annual report on Form 20 - F filed on April 27, 2017.
Factors that could cause actual results to differ include general business and economic conditions and the state
of the solar industry; governmental support for the deployment
of solar power; future available supplies
of high - purity silicon; demand for end - use products by consumers and inventory
levels of such products in the supply chain; changes in demand from significant customers; changes in demand from major markets such
as Japan, the U.S., India and China; changes in customer order patterns; changes in product mix; capacity utilization;
level of competition; pricing pressure and declines in average selling prices; delays in new product introduction; delays in utility - scale project approval process; delays in utility - scale project construction; continued success in technological innovations and delivery
of products with the features customers demand; shortage in supply
of materials or capacity requirements; availability
of financing; exchange rate fluctuations; litigation and other
risks as described in the Company's SEC filings, including its annual report on Form 20 - F filed on April 20, 2016.
Such
risks and uncertainties include, but are not limited to: our ability to achieve our financial, strategic and operational plans or initiatives; our ability to predict and manage medical costs and price effectively and develop and maintain good relationships with physicians, hospitals and other health care providers; the impact
of modifications to our operations and processes; our ability to identify potential strategic acquisitions or transactions and realize the expected benefits
of such transactions, including with respect to the Merger; the substantial
level of government regulation over our business and the potential effects
of new laws or regulations or changes in existing laws or regulations; the outcome
of litigation, regulatory audits, investigations, actions and / or guaranty fund assessments; uncertainties surrounding participation in government - sponsored programs such
as Medicare; the effectiveness and security
of our information technology and other business systems; unfavorable industry, economic or political conditions, including foreign currency movements; acts
of war, terrorism, natural disasters or pandemics; our ability to obtain shareholder or regulatory approvals required for the Merger or the requirement to accept conditions that could reduce the anticipated benefits
of the Merger
as a condition to obtaining regulatory approvals; a longer time than anticipated to consummate the proposed Merger; problems regarding the successful integration
of the businesses
of Express Scripts and Cigna; unexpected costs regarding the proposed Merger; diversion
of management's attention from ongoing business operations and opportunities during the pendency
of the Merger; potential litigation associated with the proposed Merger; the ability to retain key personnel; the availability
of financing, including relating to the proposed Merger; effects on the businesses
as a result
of uncertainty surrounding the proposed Merger;
as well
as more specific
risks and uncertainties discussed in our most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section
of www.cigna.com
as well
as on Express Scripts» most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section
of www.express-scripts.com.
Factors that could cause actual results to differ include general business and economic conditions and the state
of the solar industry; governmental support for the deployment
of solar power; future available supplies
of high - purity silicon; demand for end - use products by consumers and inventory
levels of such products in the supply chain; changes in demand from significant customers; changes in demand from major markets such
as Japan, the U.S., India and China; changes in customer order patterns; changes in product mix; capacity utilization;
level of competition; pricing pressure and declines in average selling prices; delays in new product introduction; delays in utility - scale project approval process; delays in utility - scale project construction; cancelation
of utility - scale feed - in - tariff contracts in Japan; continued success in technological innovations and delivery
of products with the features customers demand; shortage in supply
of materials or capacity requirements; availability
of financing; exchange rate fluctuations; litigation and other
risks as described in the Company's SEC filings, including its annual report on Form 20 - F filed on April 27, 2017.
As mentioned above, you will select from an array
of investment choices with varying
levels of risk, and with many
of these, it is possible (albeit unlikely) that you may lose money over time.
The annualized percentage difference between a fund's actual returns and its expected performance given its
level of market
risk,
as measured by beta.
Students who rack up a large amount
of debt and begin their careers in an entry -
level position can be particularly at
risk, especially if they owe larger monthly payments on high - interest debt, such
as private student loans.
International investments, particularly investments in emerging markets, may carry
risks associated with potentially less stable economies or governments (such
as the
risk of seizure by a foreign government, the imposition
of currency or other restrictions, or high
levels of inflation or deflation), and may be or become illiquid.
As sea
levels rise and disaster
risks to coastal communities grow, some planners are broaching the idea
of a «strategic retreat» from areas that face persistent floods and fires.
Trading foreign exchange on margin carries a high
level of risk,
as well
as its own unique
risk factors.
Index futures, like the S&P 500 Index (NYSE: SPY), have become very popular
as broader economic bets for day traders given their high
level of liquidity and less stock - specific
risk.
At each stage
of development, a company has different available resources,
as well
as varying needs, investor expectations and
levels of risk.
As a general rule, day traders should be proficient at paper trading (e.g. trading with imaginary capital) before committing real capital, as well as have a sufficient level of risk capital that they can afford to lose before tradin
As a general rule, day traders should be proficient at paper trading (e.g. trading with imaginary capital) before committing real capital,
as well as have a sufficient level of risk capital that they can afford to lose before tradin
as well
as have a sufficient level of risk capital that they can afford to lose before tradin
as have a sufficient
level of risk capital that they can afford to lose before trading.
Fixed income exposure has been a staple for many investors,
as historically these products have offered steady sources
of current income
as well
as relatively low
levels of risk.
If altered
levels of either hormone were to affect the appetite for financial
risk, could this in turn destabilize the market
as a whole?
Yet
as investors search for investments with lower
risk, they increase the
level of risk for themselves by investing mainly in mutual funds.
Required yield is the minimum acceptable return that investors demand
as compensation for accepting a given
level of risk.
We have a saying that «when the CBOE Volatility Index1 (VIX Index) is low it's time to go» — the VIX is often referred to
as the fear index or fear gauge, and when it's at low
levels, we think it could be a prudent time to move a little more out
of risk assets.
But
as lucrative
as the market is, it still carries its own
level of risk.