Sentences with phrase «by low interest rates from»

Emerging - market companies have piled on debt in recent years, allured by low interest rates from yield - starved investors.

Not exact matches

Enticed by low interest rates, Canadians borrowed heavily from lenders and ultimately juiced bank profits.

The economy may be healthy enough for them to raise interest rates, but the new 0.5 percent to 0.75 percent target for the benchmark fed funds rate, up a quarter point from where it had been, remains far below the historical norm — and, by all indications, the Fed still expects rates to stay low for at least a few more years.

In a closely - watched keynote speech at a banking conference in Frankfurt, Draghi dropped his clearest hint yet that the ECB will expand its program of asset purchases, which depresses interest rates by injecting money into the financial system, and may also push its official deposit rate even further into negative territory, from its current record low of -0.20 %.

Returns from that era were boosted by a confluence of factors that are unlikely to come together again: declines in inflation and interest rates, strong global GDP, low corporate tax, and rapid growth in China.

The government beat this projection by nearly $ 1.6 billion — by taking $ 1 billion from reserve, keeping spending levels $ 600 million less than projected, and through $ 335 million of savings from lower than anticipated interest rates on government debt.

The amendment provided for (i) an immediate reduction in the interest rate margin applicable to the loans outstanding under the Senior Secured Term Loan Facility from (a) 3.50 % to 3.00 % for LIBOR borrowings and (b) 2.50 % to 2.00 % for base rate borrowings, (ii) an immediate lowering of the LIBOR floor for loans outstanding under the Senior Secured Term Loan Facility from 1.25 % to 1.00 % and (iii) the borrowing of incremental term loans, the proceeds of which were used to repay the outstanding loans of lenders that did not consent to the repricing amendment (the Non-Consenting Lenders) in an aggregate principal amount of approximately $ 99.6 million, which is the amount of loans held by such Non-Consenting Lenders on February 8, 2013.

Achievement of these goals was considered by the HRC as very challenging, even aggressive, given the expected modest economic growth for 2007 for the financial services industry, the impact and duration of the on - going flat / inverted yield curve (meaning short - term interest rates that are virtually equal to or exceed long - term interest rates, thus lowering profit margins for financial services companies that borrow cash at short - term rates and lend at long - term rates), potentially higher credit losses, fewer available high - quality, high - yielding loans and investment opportunities, and a consumer shift from non-interest to interest - bearing deposits.

Official interest rates were raised by 150 basis points between November 1999 and August 2000, starting from a low point established during the Asian economic crisis.

After a long, strong run, equity investors are spooked by growing uncertainty, political cray - cray, interest rates coming back from the dead (though still historically low), a new Fed chair, and who knows what else?

Theoretically, this means that by lowering the interest rate, the Federal Reserve can spark economic growth, and by increasing rates, they can keep inflation from rising too quickly.

Who knows how much longer this bull market, fueled by $ 4 trillion from the Fed and low interest rates, can continue.

The net impact of the slightly more positive economic forecast is to lower the deficit by $ 0.9 billion in 2010 - 11 from their November 2010 Update, primarily due to the impact of lower - than - forecast interest rates on public debt charges.

When I first graduated from college and got a job I bought a car (Honda accord) which I shouldn't have for around 20k I was making 35k since I was young and dumb and didn't have a lot of credit I got slapped with a ridiculous apr around 12 % so my payment was about $ 350 I really that I had negative equity so I tried to get out of it by buying a another car that was worth more but cost the same with a lower interest rate to try to get rid of my negative equity.

a municipal bond that is secured by an escrow fund; the escrow fund comes from the issuer floating a second bond issue and using the proceeds from that second bond issue to purchase government obligations, typically U.S. Treasuries, proceeds from the second bond issue create an escrow fund to mature at the first call date of the first bond issue to pre-refund that issue; bond issuers will typically do this during times of lower interest rates to lower their interest costs

This reflects borrowers switching from loan products with higher interest rates, such as traditional fixed - term personal loans, to products which attract lower rates of interest, such as home - equity lines of credit and other borrowing secured by residential property.

Customers and shareholders were benefiting from new products developed by Allianz Life in response to a very low interest rate environment, said CFO Dieter Wemmer in a conference call with analysts.

One bank has introduced a small business loan secured by commercial property, reducing the interest rate at which such a loan would previously have been available from this bank, while another introduced a «basic» residentially secured term loan for small business at 6.35 per cent, 40 basis points lower than that bank's standard residentially secured term loan.

Global macro overview for 29/01/2016: The Japanese yen has fallen sharply on Friday after the Bank of Japan shocked financial markets by lowering interest rates into negative territory from 0.10 % to -0.10 %.

From here, we expect the dynamics of this market cycle to resemble other periods when offensive valuations and extreme overvalued, overbought, overbullish syndromes were joined by deteriorating market internals (particularly when interest rates were off their lows).

The FHA guidelines state that a streamline refinance must provide a benefit to the borrower by either lowering the interest rate, or converting the loan from an adjustable - rate mortgage (ARM) to a fixed - rate.

The banks are trying to win back their losses by arbitrage operations, borrowing from the Fed at a low interest rate and lending at a higher one, and gambling on options and derivatives.

Over time, the stock market has reached new records, powered by economic and earnings growth.2 We expect both to continue: The domestic economy is picking up a little speed, helped by improving growth in the rest of the world, and company earnings have benefited from better sales, the weaker dollar and still - low interest rates.

TORONTO, January 30, 2014 - Historically low interest rates are no longer holding Canadians back from investing their savings in the security of Guaranteed Investment Certificates (GICs) and doing so for longer terms — two recent trends identified by RBC.

Bangko Sentral ng Pilipinas will probably raise its benchmark interest rate to 4 per cent by the fourth quarter from a record - low 3.5 per cent now.

By purchasing massive amounts of high - risk MBS and long - term government bonds, the Fed helped lower longer - term interest rates but steered credit away from private investment, which was also impeded by stricter macro-prudential regulationBy purchasing massive amounts of high - risk MBS and long - term government bonds, the Fed helped lower longer - term interest rates but steered credit away from private investment, which was also impeded by stricter macro-prudential regulationby stricter macro-prudential regulations.

But, I was able to get a free loan modification by BoA for the vacation property out of the blue last year, which lowered my payments by a whopping $ 8,220 a year starting in January 2013 because the interest rate went down from 5.875 % down to 4.25 %.

Today we know that recessions generally last a few years and can be recovered from by low interest rates and printing money.

They are currently benefiting from not being able to default by paying a lower interest rate than other types of unsecured debt.

Missing from this piece is the fact that the interest rate on the amount borrowed from the pension funds would be lower than that charged by outside lenders, or payable on bonds.

Hochul opposes the Ryan budget, but she was one of 13 Democrats to vote for a GOP bill that would pay for extending lower college student loan interest rates for another year by cutting $ 6 billion from a preventive health fund — an idea opposed by the White House.

-- Loans of allowances, or the proceeds from the sale of allowances, may be provided, interest on commercial loans may be subsidized at an interest rate as low as zero, and other credit support may be provided to support programs authorized to use SEED Account allowance value or any other renewable energy or energy efficiency purpose authorized or approved by the Federal Government.

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

Loans secured by your home will generally have lower interest rates, approximately 3.5 % to 6.5 %, than loans secured by the solar panel system, which range from 3.5 % to 13.24 %, because the borrower can repossess a larger asset with more value — your home — to recover the full balance due rather than a solar system that has likely lost part of its value over time.

The bottom line is that you probably have more to lose by missing out on low mortgage rates than you do from the possibility that they might eliminate the mortgage interest deduction.

By combining several private student loans from a number of creditors, a private student loan consolidation plan can lower interest rates, extend payment terms and result in lower monthly payments.

The avalanche method lists your debts from highest to lowest by interest rate.

Also, by shortening your term from 30 or 40 years down to only 10 or 15 years, you will build equity faster at a lower interest rate.

Credit card consolidation is achieved by securing a new credit card with a lower interest rate and transferring the outstanding balances from your existing cards onto the new card.

Amid sliding oil prices and a sluggish Canadian economy, the Bank of Canada defied prior predictions and actually lowered the key interest rate today by a quarter - percentage point — from 1 % to 0.75 %.

By comparison, Japanese liquidity preference has historically ranged from a low of about 0.08 to a high of nearly 0.12 when interest rates have been pressed toward zero.

Most people do this to avoid high interest rates, by moving a balance from a high interest rate card to a lower interest rate card.

In the era prior to the CARD Act many issuers applied payments made by cardholders to finance charges and balances with lower interest rates which cause higher interest accrual on the accounts and made it more difficult to pay down the total balances on their credit card accounts faster as the portions of their debt with higher interest rates were carried forward from month to month.

Besides the quicker funding time, these loans benefit from the low interest rates set by the Small Business Administration.

By the time you reach your final debt, which will be the one with the lowest interest rate, you'll have freed up funds from your previous debts and should be able to pay it off fairly quickly.

However, if they issued long - term debt at low rates, they could definitely benefit from rising rates by paying lower interest on debt than their competitors who may issue debt at much higher rates.

● Pay off their student loans in a more timely manner ● Save money by lowering their interest rate ● Lower their monthly payment ● Wish to release a co-signer from fiscal responsibility for their student loans

footnote ** Research from Vanguard and other retirement income experts has found that, by limiting spending to 4 % of a portfolio each year, retirees have a higher probability of maintaining a stable income stream — one that can be sustained over the typical retirement period of 20 — 30 years, even in a low - interest - rate environment.

Whether you want to lower your mortgage payment by getting a lower interest rate, or you want to switch from an adjustable rate to a fixed rate, or you want to shorten the term to pay off your loan sooner, we can help.

Loans made by the federal government, called federal student loans, usually offer borrowers lower interest rates and have more flexible repayment options than loans from banks or other private sources.