Luznik says he was
encouraged by the low rate of chronic GVHD seen with the regimen, noting that the percentages of acute GVHD cases are similar to those seen with the standard six - month regimen of immunosuppressive drugs.
Not exact matches
At least in the short term, the bank was expected to be the most affected
by the new law, which
lowered the corporate tax
rate and introduced measures designed to
encourage companies to bring overseas profits back to the US.
For all the talk of abnormal times and changes in underlying economic fundamentals, the Fed is pinning its hopes on a very conventional premise — that the U.S. consumer will keep spending at recent strong
rates,
encouraged by low unemployment and the apparent beginnings of higher wages.
It also offers specific policy recommendations including providing tax credits to promote venture capital investments in minority businesses, as well as tax credits for new
low - income entrepreneurs, and
encouraging the use
by credit
rating agencies of alternative data such as rent and utility payments in establishing credit histories.
There is no evidence that the policy, which
encourages borrowing
by keeping long - term interest
rates low, has inflated dangerous bubbles in the stock market and residential real estate, she said.
Lower interest
rates might have provided a bit more support, but would have done so partly
by encouraging people to borrow yet more money, thus adding to the risks.
For example, a reduction in capital inflows can deflate asset bubbles and so discourage consumption through wealth effects, or such a reduction can
lower consumption
by raising interest
rates on consumer credit, or even
by encouraging stronger consumer lending standards.
Low interest
rates encourage borrowing
by making credit cheap.
These
low rates have
encouraged investors in recent months to pile on risk, taking U.S. equities markets to record highs earlier this year despite an economy that's still being slowed
by relatively high unemployment, huge debt levels, and tighter government spending.
The dynamic is
encouraged by taxing speculative («capital») gains at a
lower rate than wages and profits.
This state of affairs can be only partially
encouraging, however, for the increasing worldwide popularity of TV has been accompanied
by a steady decrease in reading (and in nations where the literacy
rate is
low, television can have an instant impact on people who have never read a newspaper or magazine) At any
rate, recent research has concluded that of all media, newspapers do the best job of presenting a satisfactory image of aging.
In the U.S., this effort led to the growth of community breastfeeding support circles, more awareness about the benefits linked to breastfeeding, which include
lower rates of diarrhea, infections, diabetes and Sudden Infant Death Syndrome, and officially designated «Baby - Friendly» hospitals that earn certification
by encouraging breastfeeding as the norm.
Increasing competition on the lending market,
encouraged by growing number of lenders and
lower Federal Reserve
rates results in more attractive loan offers for bad credit borrowers.
The idea is that
by keeping
rates low, the Fed will continue to
encourage banks to lend money and convince businesses to expand (through the use of cheap credit).
The «normal» way to stimulate an economy is to vary the price of money
by lowering interest
rates thereby
encouraging borrowing to stimulate growth and spending.
• Unlike in the U.S., underwriting standards for qualifying mortgage borrowers in Canada have been maintained at prudent levels resulting in mortgage borrowers here being much more creditworthy; • Canadian mortgage lenders never offered
low initial «teaser»
rate mortgages that led to most of the difficulties for mortgage borrowers in the U.S.; • Most mortgages in Canada are held
by their original lender, not packaged and sold to third parties as is typical in the U.S., and consequently, Canadian mortgage lenders have a vested interest in ensuring that their mortgage borrowers are creditworthy and not likely to default; • Only 0.3 % of Canadian mortgages are in arrears versus 4.5 % in the U.S. and what even before the start of the U.S. housing meltdown two years ago was 2 %; • Canadians tend to pay down their mortgage faster than in the U.S. where mortgage interest is deductible from taxes, which
encourages U.S. homeowners to take equity out of their homes to finance other spending, a difference that is reflected in the fact that in Canada mortgage debt accounts for just over 30 % of the value of homes, compared with 55 % in the U.S.
One little - known provision in the FICO formula is specifically designed to
encourage you to find the best credit deals possible
by shopping around for the
lowest interest
rates.
The strong expansion of household spending,
encouraged by a prolonged period of historically
low borrowing
rates, has created concerns over Canadians» record - high debt loads.
By reducing student loan interest
rates and decreasing the impact that debt will have on their lives, the federal government would
encourage more
low - income students to complete their degrees.
Essentially,
by lowering rates, central banks
encourage investors to get out of fixed income and buy stocks, which will earn them a higher return.
Global warming is now accelerating the
rate of sea level rise, increasing flooding risks to
low - lying communities and high - risk coastal properties whose development has been
encouraged by today's flood insurance system.
Moreover, the bond market has bought into the fact that there will be a balanced budget
by 2002, and the Fed has shown a real willingness to
encourage growth
by maintaining
lower short - term
rates.
The
low mortgage
rates, supported
by an accommodating Federal Reserve that dropped its benchmark overnight bank
rate to a historically
low 1 percent in 2003, made move - up buying attractive to existing homeowners and
encouraged new, immigrant, and renter households to jump into the market.
Nonetheless, interest
rates remain relatively
low by historical standards, and January's stock market volatility could
encourage diversification.
In his testimony to the Senate Budget Committee, Bernanke defended the Fed's controversial plan to purchase $ 600 billion in government bonds, a move he says will boost the economy
by lowering interest
rates and
encourage spending.