Sentences with phrase «below average consumer»

They were constantly buying / selling my loans, providing below average consumer service, and making it very difficult to manage my account.

Not exact matches

Consumer Discretionary and Financials are also below average for the index.»

In 2008, the institution's leadership team learned through the results of the first Hospital Consumer Assessment of Healthcare Providers Systems (HCAHPS) that patients» perception of their experience at the clinic was well below average in virtually every individual measure.

The discount sector, both in Canada and the U.S., has benefited from a more spendthrift consumer, adds Izabel Flis, a research analyst with Bissett Investment Management, but the stores have also been able to sell quality goods at below average prices.

With the economy either at or beyond full employment and the consumer price index — a measure of the inflation in consumer prices — at 2.1 percent, the real 10 - year interest rate is 0.4 percent, Jones explained, roughly 300 basis points below the historical average.

In general, a drop in consumer confidence by more than 20 points below its 12 - month average has accompanied the beginning of recessions;

People who've followed our recent exchange know: 1) I'm eager to advertise the fees at my BTM because they are well below average, at 5 % 2) There is certainly a basis for a consumer to use a BTM despite the cost.

Looking at actual interest charged (i.e., excluding those who pay no interest), the actual average interest rate that consumers paid in the third quarter of 2010 was 12.3 percent, which was below the level in the comparable period in 2007.

Consumers with excellent credit profiles typically pay interest rates below the 60 month average of 4.21 %, while those with credit profiles in need of improvement should expect to pay much higher rates.

Although it has drifted up in recent months, consumer sentiment is still below long - run average levels, held down by concerns about high unemployment and the effect of structural reforms that are under way (Graph 12).

We would be more compelled if this was accompanied by a drop in consumer confidence of 20 points or more below its 12 - month average, which typically accompanies the beginning of recessions.

Among the evidence that would shift our expectations in this regard would be: material equity market deterioration, further weakness in regional Fed and purchasing managers indices, a slowing in real personal income, a spike in new claims for unemployment toward the 340,000 level, an abrupt drop in consumer confidence about 10 - 20 points below its 12 - month average, and at least some amount of slowing in employment growth and aggregate hours worked.

While consumer confidence has also been rising over this period, it remains considerably below average in most countries and there has yet to be an improvement in retail sales overall.

While we don't make investment decisions based on how the market as a whole is trading or even the underlying sectors, we do think it is notable that today approximately 80 % of the fund holdings are members of the Technology, Industrials, and Consumer Discretionary sectors and that each of these sectors are currently trading below their average PE ratios over the past 30 years.

Family dining — typically defined by check averages below $ 12 and with very limited or no alcohol service — faces an all - out battle for relevancy amid sharpening competition and shifting consumer - dining habits.

To better understand why consumers violate their personal code of ethics in these situations, the researchers conducted another experiment in which participants read a report stating that on average, Internet speeds in the United States are consistently below advertised speeds.

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Whether aided by J.D. Power and Associates» handing Volkswagen a below - average score on its annual Initial Quality Survey (IQS), or by Consumer Reports ranking VW 17 out of 23 automotive brands, a large swath of the car - buying public believe VWs to be unreliable.

Reliability: Consumer Reports rates the 2006 - 2009 Mazda 5 «below average» with the suspension and brakes receiving the worst scores; however, the engine and transmission are rated well.

The chart below shows the average 12 - month returns in some of the industries that make up the MSCI World Index - including Materials, Energy, Industrials, Consumer Discretionary, and Consumer Staples - subsequent to different shapes of the global yield curve.

In the table below, we show what the average bonus for credit cards are by the category of credit card, as well as the high and low to give consumers a sense of the wide range available.

Consumers with excellent credit profiles typically pay interest rates below the 60 month average of 4.21 %, while those with credit profiles in need of improvement should expect to pay much higher rates.

As mentioned, these cards are mostly targeted towards consumers with below average credit scores who have difficulty getting approved for other offers.

Well below the average score of U.S. consumers.

If consumers live in NJ or PA, have great driving records, or below average credit history or educational attainment, consider CURE.

Below the chart you can also see a graph of how these cards compared to one another when factoring in the average consumer expenses, their annual fees and rewards.

Pennsylvania consumers have an average credit score of 655, just below the national average of 661.

Rounding out the top 10 is Memphis, which is the only other city besides Charlotte to have a consumer price index below the national average.

Ontario, Canada's most populous province, and home to the country's most populous city, Toronto, has an average consumer debt just below the national average, at $ 22,022.

Heavy overdrafters generally have below - average incomes relative to the U.S. population, and overdraft fees consumed nearly a full week's worth of their household incomes on average during the past year.17 This formula — a small share of consumers overdrawing most frequently and assuming disproportionate fees on small transactions — means that overdrafts cause some of the most financially at - risk consumers to leave the banking system.

According to research by the Consumer Financial Protection Bureau (CFPB), less than one - fifth of account holders — those who incur three or more overdraft fees per year — pay more than 90 percent of all overdraft fees triggered by debit cards, checks, and ACH electronic transactions.3 Similarly, The Pew Charitable Trusts» chartbook Heavy Overdrafters: A Financial Profile, shows that «heavy overdrafters» — consumers who pay more than $ 100 in overdraft and nonsufficient funds (NSF) fees in a year — generally have incomes below the U.S. average, and overdraft fees consumed nearly a full week's worth of their household incomes on average during the past year.

For subprime consumers, or those with credit scores below 650, Vantage Score increases were more profound with an average increase of 29 points.

The graph below shows the average 2 - year rewards value for a consumer with average expenditures, as defined by the Bureau of Labor Statistics.

For subprime consumers, or those with credit scores below 650, the average point increase was 29 points.

The graph below shows the different types of credit held by the average consumer, excluding mortgage debt, over five years.

Here's what we do know: FICO does say that consumers with the highest credit scores, on average, maintain debt usage ratios below 10 %.

Below is an earning comparison between the two cards based on a rough estimation of the average «consumer unit» in the United States.

Card issuers relatively unpopular J.D. Power reported that the average satisfaction score for credit card users was 658 points — a number significantly below the average satisfaction level consumers reported for other financial industries, such as mortgage servicing (798), online investing (773) and retail banking (763).

Previously, consumers were offered a 14.24 percent APR, which is just slightly below the national average.

Save the average American family nearly $ 85 on their annual energy bill in 2030, reducing enough energy to power 30 million homes, and save consumers a total of $ 155 billion from 2020 - 2030; Give a head start to wind and solar deployment and prioritize the deployment of energy efficiency improvements in low - income communities that need it most early in the program through a Clean Energy Incentive Program; and Continue American leadership on climate change by keeping us on track to meet the economy - wide emissions targets we have set, including the goal of reducing emissions to 17 percent below 2005 levels by 2020 and to 26 - 28 percent below 2005 levels by 2025.»

In addition, consumers are spending nearly 3 hours in apps per day on average, and the markets analyzed (see below) have averaged nearly 30 percent growth in average daily time spent since 2015.

They also added that with the average age of consumers in India being below 30 years, the company decided to bring Honor - branded handsets instead of Huawei.

Build quality is not at all what consumers expect from an expensive PC, the touchpad is terrible, and battery life is a bit below average for a 4th - gen Ultrabook.

Your average consumer doesn't know what the difference between the two is, but still, Bixby greets you when you press the button below the volume rocker, yet Google Assistant answers when you press and hold the home button: it's simply a lot going on when there doesn't need to be this much chaos.

That's still below average for a consumer device like the iPad Pro, which can easily keep going for more than 10 hours.

With all services our rates are at or below area averages per the Fair Health Consumer Medical Lookup Guide.

«We're a low - cost producer, with our loans generally costing about 30 percent below the average of other direct - consumer mortgage loans.

Interestingly, all of the Sotheby's International Realty resort locations listed below, analyzed within the report, demonstrated increases in both average price and average price per square foot - a clear indicator of consumers» continued desire for lifestyle - inspired home purchases and willingness to spend more for homes they truly desire.

The unemployment rate hovers below the provincial average and consumer confidence is strong.