Accordingly, the expected credit premium over inflation from these securities is also low.
FORBES: The Portfolio Solutions 30-Year Market Forecast for 2012
The expected credit risk premium over inflation from investment-grade securities is also expected to remain stable.
FORBES: Portfolio Solutions' 30-Year Market Forecast for Investment Planning (2013 edition)
If you do need credit, there will be a premium on having a good credit score since lenders will be more hesitant to extend credit to those who are seen as more of a risk.
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Insurers use credit scores to set premium rates, and employers use them when making hiring decisions.
For the employer to pay a fine, an employee has to qualify for a premium tax credit.
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Well, an employee would only qualify for a premium tax credit if their income falls below 400% poverty level.
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Premium rewards credit cards are the biggest offenders, with swipe fees that are often more than double those for debit cards.
Generally, section 4980H(b) liability may arise because, with respect to a full-time employee who has been certified to the employer as having received an applicable premium tax credit or cost.
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Individuals may qualify for a nice premium tax credit on one hand, but lose a big part of that tax credit in the form of paying for health insurance with post tax dollars.
However, the employer will have to pay a shared responsibility fee if their employee purchases coverage through a new exchange with the help of a premium tax credit targeted toward middle to low income families.
However, beginning in 2014, businesses with 50 or more full-time employees (or full-time equivalents) that do not offer affordable health insurance that provides a minimum level of coverage to substantially all of their full-time employees (and their dependents) may be subject to an employer shared responsibility payment if at least one of their full-time employees receives a premium tax credit to purchase coverage in an insurance Marketplace.
Many individuals and families will be eligible for a new kind of tax credit to help lower their premium costs.
Falling prices and the looming expiration of the production tax credit, which pays a premium for wind energy, unleashed a wind farm building boom last year.
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Their standard card charges a 6.5% APR to members with a credit score of 700 or above, and their premium offering has an astoundingly low 3.25% APR for those with a credit score above 740.
If one tightened his criteria slightly and excluded countries with negative credit outlooks, the freedom performance premium would have been even greater.
The sub-prime lending market - worth billions of pounds - involves lending to people with poor credit records at an interest rate premium.
This masquerade ended when apps seeded with BadNews got a prompt from one of three command and control servers, then it started pushing out and installing a more malicious programme called AlphaSMS. This steals credit by sending text messages to premium rate numbers.
It consists of corporate bonds that although individually riskier than higher-rated issues, can be combined into a portfolio to generate a premium return, net of credit losses.
As with a short call, when you go short a put, you collect the premium on the option as a credit in your account.
Interestingly, the insurance industry found this news to be good enough to claim a little credit for itself, suggesting that the lowered premium increase requests are the result of their improved efficiencies.
We identified the 100 most innovative companies in the world (based on innovation premium calculations conducted with HOLT at Credit Suisse and published by Forbes) and interviewed their founder entrepreneurs and current CEOs.
Such credit concerns are usually reflected in a higher interest premium.
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If a broker puts you into a sub prime loan and you're A credit, they receive what is called the yield spread premium, which also synonymous to a kick back.
It does not guarantee a minimum price or offer a premium but provides training, advice and better access to credit.
"If you give a customer a good quality product, you can charge a premium price, " says Janice Meyer, an analyst at Credit Suisse First Boston.
They've garnered little credit for the income tax cuts they pushed for, or for the pupil premium.
Internal auditor, credit-collections specialist and operations analyst are other finance roles that many employers place a premium on, adds Mr. Zion.
If the scheme followed the French model, it would top up credit-insurance limits, slashed by insurers for many firms since October, for a premium of 1.5%.
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If I'm right that the risk premium is peaking for properties that are in no way marginal, the unlocking of credit markets turns back the spread clock.
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