Sentences with phrase «basis points less»

According to a report by the Mortgage Bankers» Association the delinquency rate for mortgage loans on 1 - 4 unit residential properties decreased to a seasonally adjusted rate of 5.30 % of all loans outstanding at the end of the second quarter of 2015, 24 basis points less than its level in the first quarter of 2015 and 74 basis points below its level one... Read More»

Data released by the Mortgage Bankers Association (MBA) indicates that the delinquency rate for mortgage loans on one - to - four - unit residential properties, considered single - family properties, decreased to a seasonally adjusted rate of 6.04 % of all loans outstanding at the end of the second quarter of 2014, 7 basis points less than its level in the first quarter of 2014 and 92 basis points below its level one year ago.

Despite the slight increase, interest rates are 33 basis points less than a year ago (4.49 percent).

TD Bank last month cut its five - year variable closed rate offering for new and renewed mortgages earlier this month to 2.85 % which is 75 basis points less than its prime rate.

However, Invis, a mortgage - broker who can arrange a mortgage from many sources, was able to offer a mortgage 25 basis points less than the «best rate» from our bank.

Expenses on the «A» shares run a stiff 1.58 % on assets of $ 1.4 billion, rather below average, while the institutional shares are 25 basis points less.

A cost - minimizing manager can easily charge a few basis points less, and then lose multiples of the difference through careless implementation and sloppy trading.

I'd go for the BMO one just because the MER is about 15 basis points less.

In a sharply declining market, they'll lose 10 % less — that is, 1000 basis points less — that the S&P 500.

Alternately, they offer a «Step Up» CD that pays 10 basis points less (2.40 % in taxable and 2.50 % in IRA).

The Vanguard Short - Term Bond ETF (TSX: VSB) costs 10 basis points less than the iShares DEX Short - Term Bond ETF (TSX: XSB).

With a management fee of just 0.15 %, ZCN will be doing so for 10 basis points less.

The BofA Merrill Lynch high - yield index is trading at roughly 600 basis points versus government bonds, but if energy, metals and mining is excluded, it's about 80 basis points less in terms of spread.

On average, the monthly returns for these periods are 40 basis points less than US returns.

Not exact matches

In the bond market, the 10 - year US Treasury yield fell less than 1 basis point, to 2.79 %, near the key 3 % level that traders are closely watching.

Based on the information he had provided, the broker pointed out that the business was actually worth less than expected and based on the current market it was still considered to be a good Based on the information he had provided, the broker pointed out that the business was actually worth less than expected and based on the current market it was still considered to be a good based on the current market it was still considered to be a good deal.

The four critical factors are: (a) businesses with recurring revenue bases — like a renewable subscription — are far better than ones dependent on constantly securing new customers; renewals are much easier and less expensive to secure than new sales; (b) customer retention is absolutely critical — all customers are very costly to acquire and very easy to lose in a world of almost infinite choices; (c) businesses based on products that require constant replacement or renewal (the «razor blade» model) are much more attractive than durable goods businesses (like selling refrigerators) where the products have very long repurchase or replacement life cycles and where the market could even fairly quickly reach saturation points; and (d) businesses that offer products or services that had a predictably high rate of obsolescence were much more attractive than those where the products had long, useful lives.

Investors are the winners: The average ETF in 2018 will charge less than 40 basis points ($ 4.00 per $ 1,000 invested), less than half the average mutual fund.

Valuations are the only less - than - ideal factor, with high - yield spreads versus Treasuries — the difference between yields on comparable maturity securities — running around 400 basis points.

Indexed mutual funds averaged a cost of 13 basis points for all plans — ranging from 10 basis points to 26 basis points, the larger plans of course paying less.

Data shows that while participants in larger plans clearly benefit from scale, some small plans managed to pay significantly less in costs than others: costs for plans in the $ 1 million to $ 10 million segment ranged widely, from 68 basis points to 153 basis points.

The yield on the current 30 - year bond fell less than one basis point to 3.37 percent.

This is less than 400 basis points (4 %) over the the 10 - yr bond.

ICI states that 90 % of equity mutual fund assets in private - sector IRAs are in funds that charge less than 100 basis points in operating expenses — and that private - sector IRAs offer more investment choices than the state - run plan contemplates.

Argentina's central bank has hiked its interest rates by 300 basis points for a second time in less than a week, in its latest attempt to halt the peso's dramatic slide against the US dollar.

A second - quarter earnings report indicated that Equitable's provision for credit losses was less than one basis point of its mortgage portfolio.

Spending less than 5 basis points on commissions this year is excellent!

If current trends hold, the portfolio will end up spending less than 5 basis points on trading commissions this year.

He said the cost of holding a digital gold certificate issued by Perth Mint will be less than the 30 to 40 basis points charged by ETFs.

The weighted average of the MERs charged by the component ETFs works out to about 21 basis points per year, which means the Sleepy Portfolio costs about $ 275 every year or about 75 cents a day — less than half the cost of a large double - double these days.

FHA mortgage rates can be 100 basis points (1.00 %) or more below rates for similar conventional home loans, especially for borrowers with less - than - perfect credit.

When the spread between the 90 - day and 10 - year Treasury yield is 121 basis points or more, the stock market does much better than when it's 120 basis points or less.

In early August, yields on 10 - year bonds were around 75 basis points above the cash rate, slightly less than the average differential since the mid 1990s (Graph 66).

However, the average increase in mortgage managers» basic housing rate has been less, at 20 basis points.

In contrast, between late - 2011 and mid-2014, T - bill yields averaged less than 5 basis points, and the majority of the intervening market gains overlapped the roughly one - third of that span when our present, adapted measures would encourage a constructive outlook (largely on the basis of favorable market internals).

In 2010 and 2011, lesser overvalued, overbought, overbullish extremes were followed by significant market losses, even though Treasury bill yields were only in the range of 10 - 15 basis points.

At the time of its December meeting, the available information confirmed the assessment that a less expansionary policy setting was needed, and the cash rate was therefore raised by a further 25 basis points, to 5.25 per cent.

Argentina's central bank raised its benchmark interest rate by 300 basis points to 33.25 percent on Thursday, but the second steep rate increase in less than a week failed to stop the country's peso currency from plunging.

Because of their ability to invest in these longer duration securities of slightly less credit quality, stable value funds have outperformed money market funds on average by 150 - 200 basis points (1.50 % -2.00 %) net of fees annually over the past 20 years.

Less than a third of firms said moves of up to 200 basis points in key borrowing rates up or down would affect their investment plans at all.

So, according to you, this first point, which is less important, is primarily based on — a)... your «own experiences of humanity».

It's simple as this, Rick Santorum appeals to the less educated, extremely conservative and more bigot minded segment of rural America, which is largely dominated by Born again evangelicals, who as the article points out have a misguided view that that Mormons aren't Christian, and in their misguided bigotry seem to be voting against Romney based upon their religion rather than for a good candidate who can win the general election.

You pointing to the scientific method as the source of «truth» is no less based on faith that the person that points to the Bible as «truth.»

Certainly no argument against it can be based upon the fact that every year we are able to move faster from one point to another, and to destroy more human lives with less expenditure of time and trouble.

The mathematics prove the point: the researchers found that a piece of land that could produce 100 g of plant - based protein would be capable of producing far less animal - based protein — the same plot used for laying hens, chickens to eat, dairy products, pork and beef would respectively produce only 60 g, 50 g, 25 g and 4 g of protein.

JPMorgan expects food and grocery margins to fall 91 basis points to just 3.23 per cent — less than half those at Woolworths — because of operating deleverage, higher operating costs and gross margin compression from reducing inventories.

This is an incredibly difficult question to answer for a variety of reasons, most importantly because over the years our once vaunted «beautiful» style of play has become a shadow of it's former self, only to be replaced by a less than stellar «plug and play» mentality where players play out of position and adjustments / substitutions are rarely forthcoming before the 75th minute... if you look at our current players, very few would make sense in the traditional Wengerian system... at present, we don't have the personnel to move the ball quickly from deep - lying position, efficient one touch midfielders that can make the necessary through balls or the disciplined and pacey forwards to stretch defences into wide positions, without the aid of the backs coming up into the final 3rd, so that we can attack the defensive lanes in the same clinical fashion we did years ago... on this current squad, we have only 1 central defender on staf, Mustafi, who seems to have any prowess in the offensive zone or who can even pass two zones through so that we can advance play quickly out of our own end (I have seen some inklings that suggest Holding might have some offensive qualities but too early to tell)... unfortunately Mustafi has a tendency to get himself in trouble when he gets overly aggressive on the ball... from our backs out wide, we've seen pace from the likes of Bellerin and Gibbs and the spirited albeit offensively stunted play of Monreal, but none of these players possess the skill - set required in the offensive zone for the new Wenger scheme which requires deft touches, timely runs to the baseline and consistent crossing, especially when Giroud was playing and his ratio of scored goals per clear chances was relatively low (better last year though)... obviously I like Bellerin's future prospects, as you can't teach pace, but I do worry that he regressed last season, which was obvious to Wenger because there was no way he would have used Ox as the right side wing - back so often knowing that Barcelona could come calling in the off - season, if he thought otherwise... as for our midfielders, not a single one, minus the more confident Xhaka I watched played for the Swiss national team a couple years ago, who truly makes sense under the traditional Wenger model... Ramsey holds onto the ball too long, gives the ball away cheaply far too often and abandons his defensive responsibilities on a regular basis (doesn't score enough recently to justify): that being said, I've always thought he does possess a little something special, unfortunately he thinks so too... Xhaka is a little too slow to ever boss the midfield and he tends to telegraph his one true strength, his long ball play: although I must admit he did get a bit better during some points in the latter part of last season... it always made me wonder why whenever he played with Coq Wenger always seemed to play Francis in a more advanced role on the pitch... as for Coq, he is way too reckless at the wrong times and has exhibited little offensive prowess yet finds himself in and around the box far too often... let's face it Wenger was ready to throw him in the trash heap when injuries forced him to use Francis and then he had the nerve to act like this was all part of a bigger Wenger constructed plan... he like Ramsey, Xhaka and Elneny don't offer the skills necessary to satisfy the quick transitory nature of our old offensive scheme or the stout defensive mindset needed to protect the defensive zone so that our offensive players can remain aggressive in the final third... on the front end, we have Ozil, a player of immense skill but stunted by his physical demeanor that tends to offend, the fact that he's been played out of position far too many times since arriving and that the players in front of him, minus Sanchez, make little to no sense considering what he has to offer (especially Giroud); just think about the quick counter-attack offence in Real or the space and protection he receives in the German National team's midfield, where teams couldn't afford to focus too heavily on one individual... this player was a passing «specialist» long before he arrived in North London, so only an arrogant or ignorant individual would try to reinvent the wheel and / or not surround such a talent with the necessary components... in regards to Ox, Walcott and Welbeck, although they all possess serious talents I see them in large part as headless chickens who are on the injury table too much, lack the necessary first - touch and / or lack the finishing flair to warrant their inclusion in a regular starting eleven; I would say that, of the 3, Ox showed the most upside once we went to a back 3, but even he became a bit too consumed by his pending contract talks before the season ended and that concerned me a bit... if I had to choose one of those 3 players to stay on it would be Ox due to his potential as a plausible alternative to Bellerin in that wing - back position should we continue to use that formation... in Sanchez, we get one of the most committed skill players we've seen on this squad for some years but that could all change soon, if it hasn't already of course... strangely enough, even he doesn't make sense given the constructs of the original Wenger offensive model because he holds onto the ball too long and he will give the ball up a little too often in the offensive zone... a fact that is largely forgotten due to his infectious energy and the fact that the numbers he has achieved seem to justify the means... finally, and in many ways most crucially, Giroud, there is nothing about this team or the offensive system that Wenger has traditionally employed that would even suggest such a player would make sense as a starter... too slow, too inefficient and way too easily dispossessed... once again, I think he has some special skills and, at times, has showed some world - class qualities but he's lack of mobility is an albatross around the necks of our offence... so when you ask who would be our best starting 11, I don't have a clue because of the 5 or 6 players that truly deserve a place in this side, 1 just arrived, 3 aren't under contract beyond 2018 and the other was just sold to Juve... man, this is theraputic because following this team is like an addiction to heroin without the benefits

Fantasy Labs projects the injured Covington to score 11.9 points tonight, almost 3 points less than the implied total based on his odds at Bovada.

just reading around and all if not most rags are saying our net spend is # 46 million how can they tell that when they do nt even know what our real budget is if it was # 100 million then we are in profit by quite a bit i do nt really know what they base there assumptions on this is where you could do with swiss ramble to dissect what really was spent from what i could see most of our 5 transfers were covered by out goings and c / l monies earned debuchy - vela deal, chambers - vermalen deal, ospina - cesc and miquel deals sanchez c / l monies and other monies recovered from wages and old installment based deals this is the same with welbeck i would imagine if not then poldolski will be sold in jan to cover this as i think he was going to be sold and this would have covered welbecks transfer more or less also and people do nt always realize that arsenal have money coming in from more than one source to cover transfers not just puma and emirates deals we have property arm of the club which makes money for transfers also outstanding debts we are owed of old transfers we receive each year on song cesc maybe van persie and all other structured deals in installment payments sales we just flogged miquel as an example and all the monies from released wages and youths sold its a bit to complex to just say we have a net spend of xyz when arsenal do nt even make the budget public so they have no starting point from which to go from i bet you we have broke even or even made a slight profit as we are self sustaining it would make sense that we can break even or at least make the net spend under # 10 million each year at least screw then all we are the arsenal we do thing our way

The Gunners have accumulated just two points lesser than champions Manchester City based on their home form and they should clinch a strong result against West Ham.