At the end of the day both approaches are a risk that lenders make, and the latter appears to be more of
a risk than the former, and the leading reason why many default on their mortgages, not because their IBR could «theoretically» change after 12 months.
If it turns out that the effect of something like a chargeoff is lessened and the effect of something like high utility is increased, it's because the data show the latter to be more of an indicator of credit
risk than the former.
Not exact matches
It tapped Jean - Pierre Landau, a
former Bank of France deputy governor, to lead a task force on cryptocurrency
risks and, as Fortune «s David Meyer writes, his stance on bitcoin is less
than boosterish.
However, officials ultimately concluded that the optics of taking that step would be worse
than the
risk of letting the
former FBI director testify freely.
A
former U.S. ambassador to Russia, Michael McFaul, who like many others was repeatedly targeted by Fancy Bear but has yet to receive any warning from the FBI, said the lackluster response
risked something worse
than last year's parade of leaks.
Since the raid, the president and his advisers have been singularly focused on the
risk of a potential federal prosecution of Cohen, which they view as a much bigger existential threat to the presidency
than former FBI Director James Comey, whose book «A Higher Loyalty» has dominated headlines and even Trump's Twitter feed even before its Tuesday release.
This discussion also does not consider any specific facts or circumstances that may be relevant to holders subject to special rules under the U.S. federal income tax laws, including, without limitation, certain
former citizens or long - term residents of the United States, partnerships or other pass - through entities, real estate investment trusts, regulated investment companies, «controlled foreign corporations,» «passive foreign investment companies,» corporations that accumulate earnings to avoid U.S. federal income tax, banks, financial institutions, investment funds, insurance companies, brokers, dealers or traders in securities, commodities or currencies, tax - exempt organizations, tax - qualified retirement plans, persons subject to the alternative minimum tax, persons that own, or have owned, actually or constructively, more
than 5 % of our common stock and persons holding our common stock as part of a hedging or conversion transaction or straddle, or a constructive sale, or other
risk reduction strategy.
As savers, pension funds and insurance companies sought relief from the pain of low interest rates, the issue now is «whether they ended up taking up
risks that were greater
than they realized,» said Donald Kohn, the Fed's
former vice chairman under Bernanke.
At the time the
former seemed a more dangerous
risk than the latter — although even then massive overinvestment was China's true vulnerability — but I think by now there is a rapidly developing consensus that investment, and the unsustainable concomitant increase in debt, is China's biggest problem.
While the average indicator rate on large business variable - rate loans, at 8.0 per cent, is now higher
than the corresponding rate for small businesses, the all - up borrowing cost to large business remains lower
than for small businesses since customer
risk margins for the
former are, on average, finer
than those for the latter.
In a study that examined food intake patterns and
risk of death from coronary heart disease, researchers followed more
than 16,000 middle - aged men in the U.S., Finland, The Netherlands, Italy,
former Yugoslavia, Greece and Japan for 25 years.
But, as a
former college lacrosse and high school field hockey player, I have reservations about whether requiring female lacrosse and field hockey players to wear helmets will make the sports safer, or, as a result of the phenomenon called
risk compensation, actually result in more, rather
than fewer, head injuries.
As a
former college lacrosse and high school field hockey player, and a member of ASTM International's subcommittee on standards for headgear and helmets, which is working with US Lacrosse on developing a new standard for headgear in women's lacrosse, I have reservations about whether requiring female lacrosse players to wear helmets will make the sports safer, or, as a result of the phenomenon called
risk compensation (also called the «gladiator effect»), will actually result in more, rather
than fewer, head injuries.
But, as a
former college lacrosse and high school field hockey player, I have reservations about whether requiring female lacrosse and field hockey players to wear helmets will make the sports safer, or, as a result of
risk compensation, actually result in more, rather
than fewer, head injuries.
The
risk of brain injuries in professional football has gotten enormous attention thanks to more
than 4,200
former players suing the National Football League, alleging the league withheld information about the long - term dangers of concussions.
Moreover, given that Ashdown's interventions were made working hand - in - glove with the leadership, it is more plausible he was going * public * on the possibility during talks to give credence to it being serious (for party opinion, and Tory pressure) rather
than that he would be
risking a rift between current and
former leaders.
Peter Mandelson, a
former British trade minister, told the Financial Times recently that history would remember Cameron for nothing more
than taking the UK out of the EU: «A man who took this tactical
risk, which then turned into a strategic blunder,» he said.
«As a
former police officer, I want nothing more
than to keep firearms out of the hands of criminals and people with mental illness who could put themselves or others at
risk,» Montesano said.
In an OpEd in the Manchester (NH) Union - Leader,
former Gov. George Pataki says he fears «the
risk of an attack on America today is greater
than at any time since September 11.»
In a preliminary analysis published November 2009 in the journal Amyotrophic Lateral Sclerosis, living near a bloom or the site of a
former bloom more
than doubled the
risk of ALS.
According to a new study in the American Journal of Preventive Medicine, current and
former smokers who suffer from disease are more likely to have reported using an e-cigarette, meaning these patients may see e-cigarettes as safer or less harmful
than combustible cigarettes and a way to reduce the
risks posed by traditional smoking.
A study published in early 2013 in the Journal of the National Cancer Institute showed that smokers have a 24 % higher
risk and
former smokers have a 13 % higher
risk of invasive breast cancer
than non-smokers.
Although coffee consumption was inversely associated with diabetes, it was also positively associated with a number of behaviors that are considered unhealthy and are associated with an increased
risk of death, such as tobacco smoking, 35 consumption of red meat, 36 and heavy alcohol use.37 Tobacco smoking was the strongest confounder in the multivariate analysis, and the inverse association between coffee consumption and mortality tended to be stronger among persons who had never smoked or were
former smokers
than among those who were current smokers, suggesting that residual confounding by smoking status, if present, attenuated the inverse associations between coffee drinking and mortality in our study.
In a study that examined food intake patterns and
risk of death from coronary heart disease, researchers followed more
than 16,000 middle - aged men in the U.S., Finland, The Netherlands, Italy,
former Yugoslavia, Greece and Japan for 25 years.
Nancy Willard Nancy E. Willard, M.S., J.D. is a
former educator and attorney who focuses on youth online
risk issues for more
than a decade.
As a result, CT's suspension tuning is sportier
than the
former HS, and far sportier
than Prius, but not at the
risk of ride quality.
Adams's life story encapsulates the history of the founding era, for she defined herself in relation to the people she loved or hated (she was never neutral): her mother, whom she considered terribly overprotective; Benjamin Franklin, who schemed to clip her husband's wings; her sisters, whose dependence upon Abigail's charity strained the family bond; James Lovell, her husband's bawdy congressional colleague, who peppered her with innuendo about John's «rigid patriotism»; her financially naïve husband (Abigail earned money in ways the president considered unsavory, took
risks that he wished to avoid — and made him a rich man); Phoebe Abdee, her father's
former slave, who lived free in an Adams property but defied Abigail's prohibition against sheltering others even more desperate
than herself; and her son John Quincy, who worried her with his tendency to «study out of spight» but who fueled her pride by following his father into public service, rising to the presidency after her death.
Why should we expect a larger equity
risk premium from low -
risk portfolios
than from high -
risk portfolios, especially if we're now paying a large premium for the
former?
The
former investor was obviously taking on FAR more
risk since he was invested in stocks rather
than Treasury bills.
While bonds are less volatile
than stocks, the
risks associated with financial repression (such as inflation
risk) can be more damaging to the
former.
But elsewhere in Asia, work is moving ahead to turn another area more associated with conflict
than conservation into a sanctuary for at -
risk elephants.A year and a half after Sri Lanka's quarter - century civil war ended, officials have announced plans to use more
than 100,000 acres of jungle — the
former stronghold of the Tamil Tigers separatists — to help protect wildlife, The Guardian reported today.
What better example can there be of an employee being exploited
than an employer who puts the
former's health at
risk for the sake of greater profit?
[at para 38] Also by dint of his
former life as a police officer Barros recognized something perhaps a little less obvious to the layperson: when a C.I.'s cover is blown, crown and police will often choose to stay proceedings against an accused rather
than continue on to trial where the informant's identity will become public subjecting them to considerable
risk of harm.
Once you are considered «high -
risk,» you will likely find that new car insurance rates will be significantly more expensive
than if you had continued your
former policy.