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This is an especially useful tax planning tool for higher rate taxpayers who expect to become basic rate taxpayers at short full lace wigs with baby hair some predictable point in the future (e.g. A risk-free rate is also commonly used in setting floating interest rates, which are usually calculated as the risk-free interest rate plus a bonus to the creditor based on the creditworthiness of the debtor (in other words, the risk of him defaulting and the creditor losing the debt). This problem is known to the insurance industry as moral hazard
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