Sentences with phrase «term rates tend»

Term rates tend to be constant for the life of the policy — 5 to 30 years — but coverage is like a lease: it expires when the policy does.

Not exact matches

Because rental rates tend to correspond to inflation over the long term, some investors regard REITs as a hedge against inflation.

Companies that do have a documented content strategy tend to rate themselves higher in terms of content marketing effectiveness.

And mortgage rates were tied to long - term interest rates, which tend to rise when the economy improves, not necessarily when the Fed increases interest rates.

Since the length of the loan term is longer, 30 - year fixed mortgage rates tend to be higher than 15 - year fixed mortgage rates.

This action increases the amount of Treasury bills in circulation, thereby creating a greater stock of investible assets for nonbank money market investors — an outcome that tends to put upward pressure on Treasury bill rates and potentially other term money market rates.

I have ignored reasons that might justify lower discount rates or higher GDP adjustments for China mainly because the purpose of this essay is to explain why the U.S. multiple is so much higher than China's, and of course these reasons exist, but I think whatever the correct ratio should be, there is no question that advanced economies always justify higher multiples than developing economies because they tend to be economically more diversified and politically more stable, and they usually have institutions, including clearer legal and regulatory frameworks, more sophisticated capital allocation processes, less rigid financial systems, and smaller state sectors (which make smooth adjustment, one of the most valuable and undervalued components of long - term growth, more likely).

Personal loans tend to offer lower rates compared to credit cards and the repayment terms are fixed, which means you won't have to worry about the debt lingering.

Obviously, REITs tend to be less favorable since they are required to pay out 90 % of their profits to shareholders vs. purchasing equities and paying long term capital gains rate when selling shares.

That said, as longer terms tend to go hand - in - hand with higher rates, those planning to repay their student loans faster may lose money to interest payments by selecting a 15 - year term.

Home loans with shorter terms or adjustable rate structures tend to have lower average interest rates.

For example, they tend to cause the prime interest rate to rise, which affects credit card and short - term loan interest rates.

Long - term interest rates tend to rise during periods of significant economic improvement (i.e., when things are going really well).

The answer is that Fed policy is the primary factor driving the returns of short - term bonds, meaning that they tend to hold up much better than long - term debt when the Fed is expected to keep rates low as was the case in 2013.

In short, when the Federal Reserve raises the short - term federal funds rate (which applies to inter-bank transfers), mortgage rates tend to go up as well.

Hybrid adjustable - rate mortgages like 5/1 ARMs tend to come with 30 - year loan terms, but homeowners have the option of refinancing or selling their homes before the fixed - rate introductory period ends.

First of all, using a HELOC means you tend to have a fixed interest rate and a finite term of repayment (in other words, a HELOC can't hang around for 40 years like a student loan could).

This periodic adjustment means that, unlike traditional fixed - income securities, floating - rate loans tend to hold their value when short - term interest rates increase, all else being equal.

With or without a central bank, fractional reserve banking will tend to bring about a boom / bust cycle and thus reduce the long - term rate of economic progress.

When the Fed raises short - term rates — or when it is expected to do so in the future — intermediate and longer - term rates also tend to go up.

In Canada, fixed - rate mortgage rates tend to follow the trajectory of long - term Canadian bond yields, which, in turn, track U.S. bonds.

The biggest focus here was on short - term securities, which tend to be less vulnerable to U.S. Federal Reserve's rate hikes than longer - term bonds are.

An improving economy tends to push mortgage rates higher, and the Federal Reserve may decide that higher interest rates are better for the long - term health of the economy.

Short - term bonds tend to be less vulnerable to rising rates than longer - term bonds, while typically providing a higher yield than cash.

Equally important, even during extended speculative periods as we observed in the late - 1990's, those advances have tended to suffer deep and abrupt intermediate - term corrections once elevated valuations are joined by overbought conditions, overbullish sentiment, and rising interest rates, as we observe today.

Other student loans tend to have lower interest rates, longer loan terms and more repayment plan options.

«In absolute terms, UK property stocks tend to go up most of the time and, on average, by double digits in the 12 months after interest rates start rising.»

«When real rates are negative, gold returns tend to be twice as high as the long term average,» the World Gold Council (WGC) writes its latest report.

Fixed - rate mortgages tend to move in sync with government bond yields of a similar term, reflecting the change in borrowing costs.

Banks tend to give homebuyers better terms than their posted rates.

Because credit unions don't lend to make a profit, the interest rates tend to be lower, the fees are usually fewer, there are no origination fees, and the repayment terms tend to be more flexible than the terms offered by traditional lenders.

Because lenders offer the best rates on loans with shorter repayment terms, borrowers who are out to maximize their savings tend to choose a loan with the shortest repayment term that they can reasonably afford.

This will tend to understate the performance of the taxable account in circumstances where long - term capital gains and qualified dividends, which are currently taxed at lower rates than ordinary income, are a component of investment returns, as is the case for investments with significant equity holdings.

But the capacity of the floating exchange rate to respond to terms of trade changes — with the currency tending to appreciate when international commodity prices rise — is an important shock absorber for the Australian economy.

Nipples that mimic mother's breast in terms of shape and function (slow flow rate — baby has to work) tend to work best for this purpose.

Furthermore, men and women who rated themselves as being attractive, or who tended to have more short - term relationships and casual encounters, also rated kissing as being more important.

The researchers note that achieving the SDGs would also lead to reduced mortality, which would tend to increase population, but that in the longer term, decreased mortality rates also contributes to lower birth rates.

Thus a delay in the onset of myopia in young children, who tend to have a higher rate of progression, could provide disproportionate long - term eye health benefits,» the authors write.

The silicate + CO2 - > different silicate + carbonate chemical weathering rate tends to increase with temperature globally, and so is a negative feedback (but is too slow to damp out short term changes)-- but chemical weathering is also affected by vegetation, land area, and terrain (and minerology, though I'm not sure how much that varies among entire mountain ranges or climate zones)-- ie mountanous regions which are in the vicinity of a warm rainy climate are ideal for enhancing chemical weathering (see Appalachians in the Paleozoic, more recently the Himalayas).

They also did not look at skin cancer rates which are important since for long term arsenic poisoning skin cancer is the type of cancer that tends to show up earliest.

For instance, in terms of response rates, white men seem to be in relatively high demand on OkCupid, while black women tend to get the lowest response rates to their messages — even though they're the female demogrpahic most likely to respond to messages.

States with particular high stakes policies tend to have higher discipline rates, defined as the unduplicated count of students removed from school by school personnel or hearing officers and students serving long - term suspensions.

to fail or refuse to hire or to discharge any individual or otherwise discriminate against any individual with respect to his compensation, terms, conditions, or privileges of employment, because of such individual's age; to limit, segregate, or classify his employees in any way which would deprive or tend to deprive any individual of employment opportunities or otherwise adversely affect his status as an employee, because of such individual's age; or to reduce the wage rate of any employee in order to comply with this Act.

What's that saying about how we as a society tend to overestimate the rate of change in the short term but underestimate it in the long run?

Because credit unions don't lend to make a profit, the interest rates tend to be lower, the fees are usually fewer, there are no origination fees, and the repayment terms tend to be more flexible than the terms offered by traditional lenders.

Banks tend to pay out short - term interest rates on deposits and invest in long duration securities.

Since they are very short term secured loans, they tend to have a large interest rate compared to other sources of credit.

The two mortgage lenders advertised fairly similar rates, but a closer look at the mortgage points show that Guaranteed Rate's offers tend to cost less in terms of initial fees.

Since short - term loans are often considered a financial resource of last resort, organizations which issue these types of loans tend to charge excessive fees, have rigid terms and onerous interest rates.

Due to the fact that these type of loans tend to be riskier, they have higher interest rates and often poor loan terms.