Sentences with phrase «at high interest rates because»

At the above poster, it definitely makes sense to pay off certain debts before investing especially if they are at high interest rates because it's a guaranteed return.

At the above poster, it definitely makes sense to pay off certain debts before investing especially if they are at high interest rates because it's a guaranteed return.

Not exact matches

If the economy slows because of anticipated or real higher interest rates, we won't see unemployment moving under 7 %, and then the Fed is likely to reconsider and not «taper» at all!

At first its higher interest rates had little impact because momentum in job and income gains were offsetting.

It could be because of various socioeconomic factors, but most say it would be at the point where the Fed raises interest rates too high and the yield curve inverts.

While stocks have a terminal value beyond a 10 - year period, the effects of interest rates and nominal growth on those projections largely cancel out because higher nominal GDP growth over a given 10 - year horizon is correlated with both higher interest rates and generally lower market valuations at the end of that period.

That's because banks have historically tended to do well in rising rate environments, as they can benefit from making loans at higher interest rates.

Entering 2017, few strategists» calls were as unanimous as the view that the U.S. dollar, already at a 14 - year high, would strengthen because the Federal Reserve was hiking interest rates while other central banks remained accommodative.

Because the interest rate for federal credit unions is capped at 18 %, we think Navy Federal is great for borrowers who may only get a higher rate elsewhere.

Yet, that is precisely what many people do because they lose a job or the factory is forced to cut their hours, and they have a choice between spending their savings and using credit cards, often at high interest rates.

Specifically, Defendants made false and / or misleading statements and / or failed to disclose that: (i) the Company was engaged in predatory lending practices that saddled subprime borrowers and / or those with poor or limited credit histories with high - interest rate debt that they could not repay; (ii) many of the Company's customers were using Qudian - provided loans to repay their existing loans, thereby inflating the Company's revenues and active borrower numbers and increasing the likelihood of defaults; (iii) the Company was providing online loans to college students despite a governmental ban on the practice; (iv) the Company was engaged overly aggressive and improper collection practices; (v) the Company had understated the number of its non-performing loans in the Registration Statement and Prospectus; (vi) because of the Company's improper lending, underwriting and collection practices it was subject to a heightened risk of adverse actions by Chinese regulators; (vii) the Company's largest sales platform and strategic partner, Alipay, and Ant Financial, could unilaterally cap the APR for loans provided by Qudian; (viii) the Company had failed to implement necessary safeguards to protect customer data; (ix) data for nearly one million Company customers had been leaked for sale to the black market, including names, addresses, phone numbers, loan information, accounts and, in some cases, passwords to CHIS, the state - backed higher - education qualification verification institution in China, subjecting the Company to undisclosed risks of penalties and financial and reputational harm; and (x) as a result of the foregoing, Qudian's public statements were materially false and misleading at all relevant times.

@ agranny — short term gov bonds will do OK against inflation over time because you can reinvest maturing bonds relatively quickly at higher interest rates.

Jumbo loans are riskier for lenders because more money is at stake, as such they come with higher interest rates.

At the same time, he acknowledged the downside risks because changes in fiscal policy could push real interest rates higher, offsetting haven demand.

As you can see, the one percentage point increase in interest rates results in a loss for Year 1, but by Year 2 the cumulative return turns positive because interest and principal reinvest at higher rates.

This is great for those who are looking to invest long term because the interest paid from peer to peer loans are usually taxed at your highest marginal tax rate if it isn't tax sheltered.

Speaking at the 21 st National Banking Conference, organized by the Charted Institute of Bankers, in Accra on Tuesday November 28, 2017, Vice President Bawumia explained that Ghana has one of the highest mortgage - to - income ratios in the world and high interest rates because of the largely informal nature of her economy, and the reforms being undertaken by the Nana Akufo - Addo government are meant to address this challenge.

«The risk is quite high that you're facing because you are dealing with depositors» funds but you don't know who they (borrowers) are, and you don't know where they live, so we (government) basically said you need to at least put these fundamentals in place before you can really expect a sustainable decline in interest rates that can be driven by proper risk assessment through credit rating agencies and so on.

Taken together, these findings contradict the idea that the teachers who live and work in a district turn out at high rates because they are public spirited, committed to education, or socially advantaged; they bolster the notion that self - interest is in fact mainly responsible.

That's why I hate buying cars hate buying them just once I want to purchase one without all the BULL for real because they all are full of it, including the white lady that sits behind the desk and calls the banks and gives the customer that high tail interest rates, I can't even look at her.

That's because banks have historically tended to do well in rising rate environments, as they can benefit from making loans at higher interest rates.

Because this is often true for accounts with the highest deposit rates, making sure that your balance is always at its highest possible level can help protect your interest rate.

But let's look at a municipal bond for instance, because the higher the interest rate that you get from the bond, that doesn't necessarily mean the bond is better.

«But it's probably the best time to pay down debt, because lump sums go against the principal and reduce the interest you'd incur on future payments at higher rates.»

Because I was unable to make the payments on these multiple loans, I consolidated my student loans at a time when interest rates were high, so I was then locked into a 7.625 % interest rate.

The bulls argue that this premium is justified (or non-existent) because interest rates are low, earnings will stay elevated because US companies earn a greater share of income internationally, and the market has peaked at higher Shiller PEs in the past: 1929 peaked 33x, 2000 peaked at 44x, Japan got to 100x in the 1990s, and China has traded at 100x this year.

Most bonds these days trade at a premium (higher than their par value), because they were issued when interest rates were higher.

The advice to pay of debt is simplistic and is because most people will not get a high enough interest rate on their savings (without putting them at risk which they can not afford).

Whichever source of funds you decide to use, secured lines of credit provide both great flexibility for solving cash flow difficulties and at the same time inexpensive financing because they charge low interest rates and provide high credit limits with low minimum payments letting you decide how and when you want to repay the money you withdraw in full.

Pay off your highest interest loans first Some financial experts will advise you to tackle the highest - rate debt first because interest is accruing at a brisk pace.

But if interest rates are at a particularly low point, then you would have to be careful about taking out a variable rate loan because the likelihood that the interest rate on your loan would increase could be quite high.

While some financial emergencies can be solved by using a credit card, cards have been a source of financial problems because as a source of existing easy credit they have often been used casually, at times irresponsibly, and ultimately led to people having significant unsecured debt incurring high interest rates.

Many of the people with current financial problems and in need of finance are in trouble precisely because of the casual way in which they used credit cards before finding they had built up balances that were incurring high interest rates at the same time as their available credit dried up.

Although unsecured loans have higher interest rates, many borrowers prefer them because they don't want to put any of their assets at risk.

You should hold bonds and GICs inside your TFSA, because the interest they produce is normally taxed at a higher rate than other investment income, true or false?

In a traditional bond, if interest rates rise, the price of the bond drops, because new investors can buy new bonds at a higher interest rate.

If the bond you choose is selling at a premium because its coupon is higher than the prevailing interest rates, keep in mind that the amount you receive at maturity will be less than the amount you pay for the bond.

With cash advances, the credit card issuer can charge the highest rate legally allowable — sometimes up to 24 % A.P.R. Never pay only the minimum due every month, because soon you'll just be paying the interest, making no reduction in the main cost at all.

It's tough to fully endorse cash flow loans because of their high interest rates — but at least they're typically less expensive than merchant cash advances.

Doug Hoyes: And so you hit on a key point there and that is that you want to whack away at the high interest rate debts first because that is the most bang for your buck, right?

This is because you are taking the risk that interest rates will remain low, and will not adjust higher at some point in the future.

That's because banks are permitted to apply your minimum payment to the balance with the lowest APR first, while the rest of the balance continues to accrue interest at the higher rate.

Because no doc loans are risky for lenders, your interest rate will be much higher than usual and you may have to look around at multiple companies before someone will take a gamble on you.

At first glance, it seems like a no - brainer because investments within a RRSP or TFSA need to earn higher after - tax returns than the low interest rate on mortgages today.

• The traditional advice was to Keep interest - paying debt inside RRSPs because interest gets taxed at the highest rate.

Because mortgages are traditionally the least expensive form of borrowing (because the loan is secured by your house), you might be able to borrow at a low interest rate to repay your higher interest rate credit card and otherBecause mortgages are traditionally the least expensive form of borrowing (because the loan is secured by your house), you might be able to borrow at a low interest rate to repay your higher interest rate credit card and otherbecause the loan is secured by your house), you might be able to borrow at a low interest rate to repay your higher interest rate credit card and other debts.

Because fixed rate loans create some interest rate risk for the lender, fixed interest rates tend to be higher at the beginning of the loan than comparable variable rate loans.

Bank of Canada governor Stephen Poloz said in a speech two weeks ago that high debt levels are one of the things that keeps him awake at night because they make the economy as a whole more sensitive to higher interest rates.

Because the interest you get from bonds is taxed at a much higher rate than the capital gains and dividends you get from stocks, and those extra taxes drag down your returns.

They are winning because they get a very good return on their money, and you win because you get to avoid payday loans and credit cards at higher interest rates, and you also can agree to these deals at very short notice if required.