The biggest chunk of the 40
percent factor rate could potentially be bad debt: MCAs that default.
Let's break down what an alternative finance provider needs to cover within that 30 to 40
percent factor rate (technically, this is a discount rate, which is present value cash versus future payout, rather than an interest rate), so as to come out ahead.
As I see it, there's a handful of components that add up to the 30 to 40
percent factor rates on MCAs.
Not exact matches
After adjusting for
factors like smoking, they found that the death
rate was 26
percent higher in the most polluted cities than in the cleanest ones.
For smaller independent funders, what it costs to amass enough capital to provide MCAs can be huge — up to half the
factor rate, or 20
percent, of the whole advance.
That's mostly because few companies actually pay the top
rate; once deductions and various legal dodges are
factored in, the effective corporate
rate isn't far off 20
percent promised in the legislation.
Depending on a borrower's creditworthiness and other
factors, interest
rates can run from about 6.5
percent to nearly 36
percent.
Depending on the borrower's credit and other
factors such as business experience,
rates can range between 12 and 18
percent.
The 4
percent rule is based on the portfolio's initial balance; subsequent market performance isn't dynamically
factored into the withdrawal
rate — even though it can dramatically affect the portfolio's balance.
One in three borrowers (34
percent) correctly identified market forces as the determining
factor for
rates on private student loans and student loan refinancing.
Ben is skeptical of the importance of this
factor, noting that with a 2
percent inflation target real interest
rates can fall to -2
percent.
According to the minutes of the meeting, a 25 - basis point increase in the bank
rate was fully
factored in by the markets in the run - up to November's MPC meeting, and the interest -
rate curve underlying the November Inflation Report projected interest
rates at 1
percent by the end of the three - year forecast period, higher than the recent median estimates of economists polled by Reuters.
A
factor rate is expressed as a decimal figure not a
percent.
The rout was attributed to a combination of
factors, including China's economy (where the main stock index plummeted nearly 7
percent on Monday), continuing tensions between Saudi Arabia and Iran, and rising interest
rates in the U.S.
It shows that, even when controlling for age, marriage
rates, and price - to - income ratios (home value to income ratios), the Hispanic or Latino homeownership
rate is still about 11
percent lower than the white homeownership
rate, suggesting that
factors beyond what is accounted for in the model are affecting the differences.
The vacancy
rate dropped to 18.2
percent during the first quarter, a six - year low according to real estate firm Colliers International, and will dip lower once the Salesforce lease is
factored in.
This
factor is the one where there's the biggest difference between boards that respondents say need to improve or improve significantly (44
percent prioritize it) and boards
rated by their directors as excellent or very good (26
percent highlight this need).
The group Mixed: News and Information, which had a religious program viewing
rate of 154
percent had an average interest
factor for religion of -.29.
Males: Money and Nature's Product, which had a religious program viewing
rate of 136
percent had an average interest
factor for religion of -.26.
The phase - in
factor varies from 0.47
percent to 13.6
percent, with specific
rates for the five largest city school districts (New York City, Buffalo, Rochester, Syracuse, and Yonkers) and more general
rates for other districts based on district demographics.14
The tax cap, enacted in 2011, forces school districts and local governments to keep tax increases at 2
percent or the
rate of inflation (with other
factors built in for adjustments)-- unless approved by a 60
percent «supermajority.»
Next year's cap uses an inflation
factor from the 2015 calendar year of 0.12
percent — virtually, a zero increase in the base
rate.
One suggestion broached by the New York State Association of School Business Officials and other Albany - based groups is to set the baseline cap at a flat 2
percent, getting rid of the inflation
rate as a
factor.
Of the county's 8.75
percent sales tax
rate, 4
percent goes to the state, and the remaining 4.75
percent is divided up among the county and its cities, towns and villages using a formula that depends on various
factors including where the purchases are made.
Remember, the city has a high - school dropout
rate exceeding 30
percent (probably much higher when GED program manipulation and other scams are
factored in).
Another
factor is low adoption
rates: Only 20
percent of the 17 million Americans that get a new pet each year opt for a shelter pet; the vast majority buys from pet stores, breeders, or through other private arrangements.
When the Pan-STARRS system increased the observing time it devoted to NEO searching to 90
percent, it increased its
rate of discovery by a
factor of three.
Besides age, other risk
factors include family history, previous brain trauma, heart disease and gender (the prevalence
rate for women over 70 is 16
percent, compared with men at 11
percent).
Forty
percent reported that physician
rating sites were «very important» when choosing a physician, although
rating sites were endorsed less frequently than other
factors, including word of mouth from family and friends;
Although the average consent
rate within each donor service area, when accounting for the race / ethnicity and other
factors among the eligible deaths, was between 75 and 80
percent, the consent
rates fell below 70
percent in nearly a quarter of the donor service areas.
Though the standing - desk employees burned more calories than those with seated desks, the study found there were no between group differences in cardiometabolic health risk
factors such as weight,
percent body fat, blood pressure, and heart
rate.
Even after accounting for patient and geographic
factors of the potential donors, the study found that the donor consent
rates among the 58 donor service areas (DSA) ranged from a 64
percent to 90
percent.
For those patients having noncardiac surgery who did receive β - blockers, the unadjusted 30 - day mortality
rates for patients with no cardiac risk
factors, one to two risk
factors and three to four risk
factors were 1
percent, 1.7
percent and 3.5
percent, respectively, according to the results.
The unadjusted 30 - day mortality
rates among patients having noncardiac surgery for those not receiving β - blockers were 0.5
percent for patients with no cardiac risk
factors, 1.4
percent for patients with one to two risk
factors and 6.7
percent for patients with three to four risk
factors.
The study included three measures of lifetime earnings: gross lifetime earnings by majors; net lifetime earnings after accounting for demographic and high school performance related
factors; and net present value at age 20 after applying a 4
percent discount
rate.
On the other hand, casein takes about 80 % of the milk protein and unlike whey protein it is very slowly digested.Casein proteins offer a much slower absorption
rate of around 7 - 8 hours and continue to constantly provide amino acids into the blood stream for this time.Another thing that makes casein a good protein for athletes is the fact that micellar casein proteins contain high
percent of amino acid glutamine (which is vital for muscle repair and cell volumization), growth
factors, and properties that support the immune system.
More specifically, those who maintained all four low risk
factors had a 65
percent lower death
rate.
Success
rates for IUI are approximately 15
percent to 20
percent per cycle and vary based on a number of
factors, such as your age, type of ovarian stimulation, motility of sperm, among others.
When diagnosed late (distant stage) instead of early (local stage), five - year survival
rate decreases by 75
percent, so it is essential to know the signs of breast cancer and be aware of your risk
factors.
Schools with participation
rates between 75 and 94
percent would have to submit a plan; schools below 75
percent would have to show steps taken; participation not
factored into summative school
rating
PDK found that whether a school helps students learn interpersonal skills
rates as the most important
factor in school quality for the highest proportion of respondents (36
percent), with the next two being access to technology and engineering courses (25
percent) and access to advanced academic courses (14
percent).
Starting with the 2015 - 16 school year, information from these measures will be publicly reported and is expected to
factor into school performance
ratings — but in a very modest way, comprising just eight
percent of the scores schools receive on the SQII.
Selection is based on several
factors including demonstrating four years of: growth on state assessments; progressive graduation
rates and ACT / SAT scores; student recommit
rate at 95
percent; and staff retention
rate of 85
percent.
The results, largely based on standardized test performance with graduation
rates and advanced course enrollment
factored in, are praiseworthy given the district's challenges, high poverty (70
percent of its 345,000 students qualify for free or reduced - priced lunch), and large population of English language learners.The Education Village «includes all of the elements that make sense,» Miami - Dade Schools Superintendent Alberto Carvalho said in the Miami Herald.
From the embarrassment of approving abysmally low — and Plessy v. Ferguson - like — proficiency targets (including that for Virginia, which had only required districts to ensure that 57
percent of black students and 65
percent of Latino peers were proficient in math by 2016 - 2017), to complaints from House Education and the Workforce Committee Ranking Minority Member George Miller and civil rights - based reformers about how the administration allowed states such as South Dakota to count General Education Development certificates in their graduation
rate calculations (and minimize graduation
rates as a
factor in accountability measures), the administration finds itself contending with complaints from civil rights - based reformers as well as from centrist Democrats finally acknowledging the high cost of their push for revamping No Child at any cost.
One
factor driving this trend is birth
rates among populations of color; there has also been a 50
percent increase in the country's Hispanic population over the past 20 years.
The 90
percent goal is a key element in a 387 - page ESSA plan the Illinois State Board of Education submitted last month to the federal government, outlining how students of all backgrounds will be assessed and grow academically, as well as how schools will be
rated under myriad
factors other than test scores.
Connecticut has a whopping 12 different
factors in its school
rating plan, including academic achievement and growth on tests (52
percent) and graduation
rates (15
percent), chronic absenteeism (7.4
percent) and physical fitness and access to arts classes (3.4
percent each).
The new formula aims to focus on more than standardized test scores, with 60
percent of student progress measured by academics and 40
percent measured by «social - emotional and culture - climate»
factors, such as suspension and expulsion
rates and student and parent surveys.
Additionally, ESSA requires states to annually test 95
percent of students in reading and math, to use the participation
rate to calculate the achievement indicator, and to
factor assessment participation into the statewide accountability system another way.21 For example, four states — Connecticut, Massachusetts, New Mexico, and Vermont — plan to lower a school's classification for not meeting this requirement.22 In three states — Illinois, Nevada, and Tennessee — schools that do not have a 95
percent participation
rate can not score at the highest level of proficiency; receive zero points for proficiency; or receive an F on the achievement indicator for the given group of students, respectively.23