A healthy person with a good
rating is less of a risk to insure, so that person's premiums will be lower than for a person who is considered a higher risk.
A healthy person with a good
rating is less of a risk to insure, so that person's premiums will be lower than premiums for a higher risk person.
Not exact matches
Interest
rates on 15 - year mortgage terms
are typically lower than those on longer - term loans because the shorter duration
of the loan makes it
less of a
risk to the lender.
If you
're talking about a new project with no significant investment already deployed, building a new mine if you expect today's prices to hold in the long term
is a tough call — a 50 - year oil sands project
is a lot
of risk for
less than a 10 %
rate of return — but even there, you can see the impact
of the lower Canadian dollar and the hedge provided by a royalty regime which lowers
rates when prices
are low.
If you
're talking about a new project with no significant investment already deployed, building a new mine if you expect today's prices to hold in the long term
is a tough call — a 50 year oil sands project
is a lot
of risk for
less than a 10 per cent
rate of return — but even there, you can see the impact
of the lower Canadian dollar and the hedge provided by a royalty regime which lowers
rates when prices
are low.
If lower oil prices
are as bad for Canada's economy as
rate - cutting Bank
of Canada Governor Stephen Poloz insists, the central bank might consider assessing the
risks to the economy in a world where constraining carbon emissions becomes
less of an abstract notion and more
of a daily reality.
Although bonds generally present
less short - term
risk and volatility than stocks, bonds do contain interest
rate risk (as interest
rates rise, bond prices usually fall, and vice versa) and the
risk of default, or the
risk that an issuer will
be unable to make income or principal payments.
Moreover, as inflation
is less demand driven and the result
of external factors (Currency, commodity prices), raising interest
rates risks plunging the economy into a recession.
Because credit and default
risk are the dominant drivers
of valuations
of high yield bonds, changes in market interest
rates are relatively
less important.
Investing in currency involves additional special
risks such as credit, interest
rate fluctuations, derivative investment
risk, and domestic and foreign inflation
rates, which can
be volatile and may
be less liquid than other securities and more sensitive to the effect
of varied economic conditions.
«Because investments pledged via the EB - 5 program can not have any guaranteed
rate of return (otherwise the capital invested
is not considered «at
risk»), from a developer's perspective, terms
are greatly preferable to more traditional bank financing and
are less dilutive than equity financing.
Again, there
are a variety
of ways to refine this result, but note that anytime the total return on the S&P 500
is less than
risk - free interest
rates, a hedged investment position increases overall returns (since hedging instruments
are priced to include implied interest).
FPA's Investment Approach He mentioned that his goal
is to «provide equity
rates of return with
less risk than the market.»
These bonds
are issued by
less - creditworthy companies that carry a higher
risk of default than better -
rated issuers.
The field
of imagination at any
rate is broad, ranging from automatic, instinctual, or reflex actions (in which the problem
of meaning
is virtually, but not entirely, non-existent), to more or
less habitual modes
of response to «natural signs,» and rising ultimately to sophisticated conceptual activity and various poetic or secondary forms
of meaning — making in cultural and social significations.19 In the higher reaches
of semiotic activity an increase in imaginative freedom
is accompanied by a greater
risk of error.
According to Baleka, the average life expectancy for a long - haul truck driver in the U.S.
is 61 to 64 years (10 to 15 years
less than the average American male); truck drivers have the highest
rate of obesity
of any occupation in the U.S. (86 %
are overweight, 69 %
are obese); they have one
of the highest
rates of metabolic syndrome, a group
of risk factors for heart disease and diabetes; in some years they have had the highest number
of fatalities
of any occupation, making trucking one
of the most dangerous and unhealthy occupations in the U.S.
One way, I believe, to address the problem
of under - reporting and increase the chances a concussion will
be identified early on the sports sideline may
be to rely
less on athletes themselves to remove themselves from games or practices by reporting concussion symptoms (which the most recent study shows occurs at a shockingly low
rate, [9] or on game officials and sideline observers to observe signs
of concussion and call for a concussion assessment, but to employ technology to increase the chances that a concussion will
be identified by employing impact sensors designed to monitor head impact exposure in terms
of the force
of hits (both linear and rotational), number, location, and cumulative impact, in real time at all levels
of football, and in other helmeted and non-helmeted contact and collision sports, where practical, to help identify high -
risk impacts and alert medical personnel on the sideline so they can consider performing a concussion assessment.
The expectation
is that if labour doesn't progress at a certain
rate that there
are risks (infection, maternal exhaustion, fetal death) associated with further waiting; that the longer labour stalls the
less likely it
is to start progressing normally (if the baby
is too stuck to move after two hours
of labour, it
's probably too stuck to move after two days
of labour) and there
are no benefits to a long labour.
Induction
of Labour: * higher
rates of Caesarean Section * increased
risk of your baby
being admitted to NICU (neonatal intensive care unit) * increased
risk of forceps or vacuum (assisted delivery) * contractions may
be stronger than a spontaneous labour * your labour
is no longer considered «low
risk» —
less choices in where and how you birth, restricted birth positions, continuous monitoring CTG, time limits for which to labour in.
If fetal monitoring starts picking up drops in heart
rates, the very low
risk of section means there
's more reason to cut immediately and
less reason to wait and see.
Rates of obstetrical intervention
are high in U.S. hospitals, and we found large absolute differences in the
risks of these interventions between planned out -
of - hospital births and in - hospital births.38 In contrast, serious adverse fetal and neonatal outcomes
are infrequent in all the birth settings we assessed, and the absolute differences in
risk that we observed between planned birth locations
were correspondingly small; for example, planned out -
of - hospital births
were associated with an excess
of less than 1 fetal death per 1000 deliveries in multivariate and propensity - score - adjusted analyses.
On average, children who
were breastfed for ≥ 8 months 1) scored between 0.35 and 0.59 SD units higher on standardized tests
of ability or achievement and teacher
ratings of school performance than children who
were not breastfed, and 2)
were considerably
less likely than nonbreastfed children to leave school without qualifications (relative
risk = 0.38; 95 % CI: 0.25, 0.59).
Twelve
of the included studies
were judged at low
risk of bias for incomplete outcome data on the basis that attrition
rate was less than 20 % for all outcomes (other than satisfaction), or missing outcome data
were balanced across groups (Begley 2011; Biro 2000; Flint 1989; Harvey 1996; Hicks 2003; Homer 2001; Kenny 1994; McLachlan 2012; North Stafford 2000; Tracy 2013; Turnbull 1996; Waldenstrom 2001).
«To deny New York City's 1.1 million students anything
less than the full preservation
of mayoral control
is to subject them to the dysfunction and chaos
of the old system, as well as
risk an end to higher test scores and graduation
rates.
African - Americans» lower
rates of eye care
are believed to stem from
less access and more barriers to care, fewer eye care providers with practices situated in their communities, and a lack
of awareness
of their high -
risk status for vision loss and how routine preventive care could reduce that
risk.
Thornhill has gathered some evidence that societies with higher
rates of infectious disease
are less democratic and more conformist, and argues that that
is because such strictness reduces the
risk of contamination (see «Genes, germs and the origins
of politics «-RRB-.
«When your funding
rate is low, I think everybody kind
of retreats a little bit and
is less willing to take
risks.
The researchers stress that prevention and harm reduction initiatives need to
be adapted to reduce the
risk of harm among in this population, where increased
rates of experimentation and environmental characteristics may augment and combine to increase
risks associated with consuming
lesser - known psychoactive substances.
Under predation
risk, growth
rates were lower and the shape
of the thermal response
was less apparent.
The
risk of complications with a VBAC
is less than 1 percent (similar to the
rate of other obstetric emergencies, like cord prolapse).
The more boring your job, the more unvaried your heart
rate tends to
be, which makes you
less able to handle exercise or surprises and it puts you at greater
risk of heart attack.
The study, The population
risks of dietary salt excess
are exaggerated, reports the optimal range
of sodium at 3 to 6 g / day with paradoxical higher
rate of events at
less than 3 g / day:
A 2008 Institute analysis
of insurance claims found that, all other factors
being the same, drivers
of vehicles with seat / head restraint combinations
rated good in Institute evaluations
were 15 percent
less likely to sustain neck injuries in rear - end crashes than drivers
of vehicles with poor head restraints (see «Neck injury
risk is lower if seats and head restraints
are rated good,» March 15, 2008).
Such statements reflect the current views
of Barnes & Noble with respect to future events, the outcome
of which
is subject to certain
risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible
risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping
rates or interruptions in shipping service, effects
of competition, possible
risks that inventory in channels
of distribution may
be larger than able to
be sold, possible
risks associated with changes in the strategic direction
of the device business, including possible reduction in sales
of content, accessories and other merchandise and other adverse financial impacts, possible
risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the
risk that component parts will
be rendered obsolete or otherwise not
be able to
be effectively utilized in devices to
be sold, possible
risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the
risk that financial and operational forecasts and projections
are not achieved, possible
risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the
risk that returns from consumers or channels
of distribution may
be greater than estimated, the
risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the
risk that digital sales growth
is less than expectations and the
risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the
risk that it does not exceed the
rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest
rates, the performance
of Barnes & Noble's online, digital and other initiatives, the success
of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews
of strategic alternatives and the potential separation
of the Company's businesses, the
risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the
risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess
of what the Company anticipates, including the
risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the
risk that NOOK Media's applications
are not commercially successful or that the expected distribution
of those applications
is not achieved,
risks associated with the international expansion contemplated by the relationship with Microsoft, including that it
is not successful or
is delayed, the
risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the
risk that NOOK Media
is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof,
risks associated with the restatement contained in, the delayed filing
of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013,
risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013,
risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits
of such efforts and associated
risks and other factors which may
be outside
of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «
Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the
Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.
Such statements reflect the current views
of Barnes & Noble with respect to future events, the outcome
of which
is subject to certain
risks, including, among others, the effect
of the proposed separation
of NOOK Media, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible
risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping
rates or interruptions in shipping service, effects
of competition, possible
risks that inventory in channels
of distribution may
be larger than able to
be sold, possible
risks associated with changes in the strategic direction
of the device business, including possible reduction in sales
of content, accessories and other merchandise and other adverse financial impacts, possible
risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the
risk that component parts will
be rendered obsolete or otherwise not
be able to
be effectively utilized in devices to
be sold, possible
risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the
risk that financial and operational forecasts and projections
are not achieved, possible
risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the
risk that returns from consumers or channels
of distribution may
be greater than estimated, the
risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the
risk that digital sales growth
is less than expectations and the
risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the
risk that it does not exceed the
rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest
rates, the performance
of Barnes & Noble's online, digital and other initiatives, the success
of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages,
risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews
of strategic alternatives and the potential separation
of the Company's businesses (including with respect to the timing
of the completion thereof), the
risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the
risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess
of what the Company anticipates, including the
risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the
risk that NOOK Media's applications
are not commercially successful or that the expected distribution
of those applications
is not achieved,
risks associated with the international expansion previously undertaken, including any
risks associated with a reduction
of international operations following termination
of the Microsoft commercial agreement, the
risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the
risk that NOOK Media
is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the
risks associated with the termination
of Microsoft commercial agreement, including potential customer losses,
risks associated with the restatement contained in, the delayed filing
of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013,
risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013,
risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits
of such efforts and associated
risks and other factors which may
be outside
of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «
Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the
Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.
While private loans may enjoy lower
rates during low interest
rate cycles, the fact
is that there
's always a
risk of rate level changes, and the possibility that
rates jump up at some point, making payments
less affordable or comfortable.
Because a mortgage has collateral, it has lower interest
rates than other types
of credit - because it
is less risk to the bank.
What would they
be doing with that money otherwise, and at a higher or lower
rate of return, and with greater or
lesser risk?
You could maybe do this with another
less restrictive / higher
risk type
of loan but
rates will
be a lot higher (think 5 - 6 % instead
of 1.5 %).
By diversifying into CDs, at least part
of my money
is earning a much higher interest
rate than my money market funds, and
is subject to
less risk than my bond funds.
Drivers who have not
been involved in any automobile accidents and who have a good driving record get better insurance
rates because they
are considered to
be less of a
risk.
Still, the safer bet
is the Bank
of Canada will find a way to explain why a growth
rate of 4.5 percent represents no imminent threat to inflation, even though a slower
rate was considered a
risk less two months ago.
Now the U.S.
is nearing a 2 % inflation
rate with the
risk that more fiscal policy or some pullback
of monetary policy could cause inflation to
be a bit
less, or a bit more, than 2 %.
When your new finance source pulls your credit report and sees that you've made every single payment on time, every time, for a good chunk
of time, they
are going to view you as
less of a
risk, and will
be more willing to work with you on terms and
rates.
The better your score, the
less of a
risk you
are in the eyes
of lenders, and the easier it will
be for you to secure credit at lower interest
rates.
Credit card debt, on the other hand,
is a type
of unsecured loan that presents a lot
less risk because worst case scenario
is that your
rating and score will suffer a bit.
However, because
risk factors can
be viewed as more important by some providers and
less important by others, Utah insurance quotes
are one
of the safest, most effective, and least risky paths to reduced
rates without reducing the quantity or quality
of your coverage.
If you
're less of a
risk, your interest
rates aren't going to
be as high, and you
're going to have a better chance
of getting a
less expensive loan.
Investments in currency involve additional special
risks, such as credit
risk, interest
rate fluctuations, derivative investment
risk which can
be volatile and may
be less liquid than other securities and more sensitive to the effect
of varied economic conditions.
As a result
of the new requirements, investors
are less inclined to fund monolines who must now charge higher
rates, as investors expect a
risk premium, which must
be passed along to the consumer.