Sentences with phrase «even lesser rates»

Not exact matches

And even the Federal Reserve's modest rate hikes have had an outsized impact on the bottom line of Bank of America, which pockets the extra interest it collects on loans while paying out much less on consumers» deposits (making money on the so - called spread).

«Observers seem to think that go - getters exert less effort than slackers, even when they're working on the same task, and even though they themselves rated the assignment as equally difficult.

Some analysts believe this has helped keep wage gains stagnant even as the jobless rate has fallen because employers don't have to raise wages as much to retain talent when there is less employee turnover.

Even prior to the Trump win, a victory that signaled higher economic growth, rising interest rates, and likely less regulation, all good for financial services, Buffett had secured paper profits over 5 1/2 years of $ 6.9 billion on his preferred.

But that pain today would arguably be less severe than if rates go up years from now, when households have piled on even more debt.

«One specific consequence would be that even extraordinarily low policy interest rates could prove to be less stimulative than in normal circumstances,» Poloz said.

When he got down to less than 20 percent of his mortgage left to pay off, he also took his money out of escrow to avoid paying extra fees and negotiated his insurance rates down even further.

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.

Even in its best years, its acceptance rate — often hovering in the 70 % to 80 % range — was much higher than the major business schools, which accept less than 20 % of their applicants.

According to FiveThirtyEight, the dismal approval rating makes this plan the least popular tax bill in at least 30 years — even less so than two in the 1990s that increased some taxes.

If you're talking about a new project with no significant investment already deployed, building a new mine if you expect today's prices to hold in the long term is a tough call — a 50 - year oil sands project is a lot of risk for less than a 10 % rate of return — but even there, you can see the impact of the lower Canadian dollar and the hedge provided by a royalty regime which lowers rates when prices are low.

If you're talking about a new project with no significant investment already deployed, building a new mine if you expect today's prices to hold in the long term is a tough call — a 50 year oil sands project is a lot of risk for less than a 10 per cent rate of return — but even there, you can see the impact of the lower Canadian dollar and the hedge provided by a royalty regime which lowers rates when prices are low.

Is this the month the U.S. unemployment rate finally falls to 4 % or even less for the first time since Bill Clinton was president?

I even rate it slightly less aggressive than the Jagger.

Ryan Avent pointed out that even if we enacted Trump's massive tax cuts and spending increaes, adding $ 34 trillion in new debt over the next two decades, our ratio of debt to GDP two decades from now would still be 30 percentage points less than Japan's government debt ratio is right now... and the market is still buying their negative interest rate long term debt...

Even if you keep income needs the same i only pay an average federal rate of 14 % right now which is much less then my margin.

Even though their effectiveness rating is higher than those we've seen in North America and Australia, UK marketers rated themselves less effective at content marketing versus last year (48 % vs. this year's 42 %).

Without a massive transfer of wealth from the state sector to the household sector it will be impossible, I would argue, for GDP growth rates of anything above 3 - 4 % — and perhaps even less — to occur without a further unsustainable increase in debt, whether that increase occurs inside or outside the formal banking system and whether or not discipline has been imposed on borrowers.

He has said that he is quite comfortable with economic growth of around 2 per cent or less for 2013, even though this would not reduce the unemployment rate, currently stuck at 7.2 per cent.

Even if the Fed jacks up rates from 0.25 % to 2 %, the 10 - year yield will probably increase by LESS than the 1.75 % increase.

Conversely, a return to an unemployment rate of even 6 % in 2024 would leave the growth rate of employment over the next 8 years at less than 0.2 % annually.

Assuming the same rate of return over 43 years and a 2 % employer match, he will have $ 528,000 at retirement — still 8.4 % more than Sally even though his monthly contribution was 40 % less than hers and overall he contributed $ 103,000 compared to her $ 240,000.

A shorter loan term means saving money, since you'll pay less in interest and may even get to refinance to a lower - interest rate loan.

It feels fantastic to have almost a million dollars less in debt, even if the interest rate was low.

In August 2016, the Bank of England had lowered its interest rates to a historic low of 0.25 %, and the potential existed for it to go even lower to be at parity with other countries that had lowered rates to 0 % or even less.

It is the central premise behind inflation targeting, and central bankers — essentially without exception — assert that they have the capacity to affect or even determine inflation in the long term, but that they do not have the capacity to affect the average level of output, much less its growth rate over time, even though they may have the capacity to affect the amplitude of cyclical fluctuations.

«And that means you're going to get even less investment, because they are looking at future tax rates.»

Starting Oct. 17, all buyers with high - ratio mortgages — less than a 20 per cent down payment — must qualify based on the five - year benchmark posted rate, even if they have negotiated a lower five - year fixed - ate term.

For those who plan to finish repayment over a longer period (15 - 20 years), it is less risky to choose a fixed rate loan even though the interest rate will likely be higher than a variable rate loan.

When you look at the rate savings from the study, you see it is only about half of 1 per cent even though the leasing company is taking significantly less collateral.

USDA loans come with ultra-low rates and less expensive mortgage insurance, beating affordability of even FHA loans.

President Trump has criticized the company for this, yet he recently reduced the corporate tax rate, making it even easier for large companies to pay less.

The conclusion I came to was that at $ 47 a share, the stock seemed likely to be priced to return no less than 8 % a year even if rates never rose and yet more than 20 % a year if rates rose quickly.

This unjustifiably rewards high - tax states, and because deductions rise with income (they are worth 39.6 cents per $ 1 at the top, but only 10 cents or less at the bottom), it also rewards areas with more wealthy taxpayers, even holding state and local tax rates constant.

But instead of settling for less or renting, people went after their American dream with a vengeance — taking out adjustable - rate, interest - only or, even worse, negative - amortization loans.

Even in a world where short - term interest rates will continue to rise as the Federal Reserve raises policy interest rates (most likely 2 — 3 times next year) and where long - term rates should rise slowly as the Fed lets its balance sheet shrink, tax - free yields should either stay the same or move down as the municipal bond world confronts a market with much less issuance.

It turns out that even though the unemployment rate of workers with less than a high....

Sociologist Julie Phillips has documented how from 2000 to 2005, suicide rates among less - educated middle - aged men increased between 12 percent and 30 percent even as they remained stable for better - educated men.

@ED The only thing that is assumed to be at least more or less constant in evolutionary theory is the mutation rate of individual genes, and even that, since mutations are known, eg, to increase under higher radiation, is only true «on average, over the long run».

Even a minor league player brought up to the majors for a trial must be paid at the rate of at least $ 6,000 per year for every day he is in the majors though his minor league contract might call for less.

In addition Welbeck's goal conversion rate from passes is even less than Giroud (I mean he misses more chances), so with Sanchez out, I thought it was vital to start Walcott

I get what you are saying but I just do nt see any coach who has actually watched Giroud note I said who's actually watched Giroud to pay above 20mill for him.Trust me when the time comes for him to go we ai nt gonna get a lot of cash.i also expect him to be going to a lesser team and not a top team.Trust me he's really lucky to be an Arsenal player as some of our playrrs here are.I don't want to mention names because my blood boils up when I even think of them in the team.There are so many players in this team I don't rate but hey I guess I got ta keep em to myself.Sadly Giroud is one of them.It's not like I hate or I refuse to see the light but it's just that my eyes are telling me he's average when I watch him.So if anything please blame my eyes.

@Fatboy Gooner The Ozil deal was far less that 40 plus million as has been exposed on football leaks it was more in the region of 32 million with verious clauses that enable REM to take a percentage of any profit we make on selling Ozil and I would assume there are similar attachments with the Sanchez deal, even our record signings are clouded in smoke and mirrors so let not run away with the idea that its all SWengers fault, if your employer is on your back and pushing for results then you perform at a higher rate and push harder where as Wenger has no push from above so does nt go out of his way Kroenke does nt have the culture around him to win trophies cos thats not his aim and that filters down to the grass roots at Arsenal and shows in Wengers transfer policy and in the players performance.

He's walking less, striking out more, and is even somehow hitting even more ground balls than he did a year ago when he led the league in ground ball rate.

Nonsense, what does longevity mean, World cup is the yardstick, where is Ronaldo dalima, how dare you rate Christiana Ronaldo over Dalima, that's inept, Why should Messi be above Maradonna, The quality of footballers now are even lesser than ever, all we have are two inches above average players in Messi and Ronando, remember Zidane time where we had Figo, ROnaldino, Seedorf, Maldini, Nedved, Crespo, Batistuta, Shevy.....

@ larryking listen jock wenger could never coach anyother club because no big club would go six season without a trophy there is no way wenger could go to madrid and go two season without a trophy no way in hell he would be fired in no time bmunich fired klinsman less than half season look at the real madrid coach grave yard pelligrinie made 95 + points last season that amount would win the league in almost any country yet he got fired i can go on if fergi goes two seasons without a trophy am sure he gone i love arsenal but football is about winning trophies wenger has hypnotize you i do nt care arsenal have gone five years without a trophy and six witout the league not even a carling cup or fa cup and loosing all our best players all for money all this talk about wenger and his youth policies i can count on both hands all the players that came through arsenal youth system that went on to be world beaters look at the current crop walcott nasri diaby denilson bedtner clichy none of these are world class they have improve minimal @ arsenal compare that to barca their youths pedro and co are world beaters event the great vanpercy who we rate he would never leave arsenal because all that chance wenger gives him he would» t get at other big clubs this does not make sense we buy young players they take ages to develop most do nt» t then we sell them or they leave because they want to win things that how you grow pretty soon that top four will become very hard to stay in if we get out of that then what i wish all you wenger fans luck am all out of patients with him last chance this year................

They may develop postpartum depression or post-traumatic stress syndrome.9, 20,25,31 Some mothers express dominant feelings of fear and anxiety about their cesarean as long as five years later.16 Women having cesarean sections are less likely to decide to become pregnant again.16 As is true of all abdominal surgery, internal scar tissue can cause pelvic pain, pain during sexual intercourse, and bowel problems.Reproductive consequences compared with vaginal birth include increased infertility, 16 miscarriage, 15 placenta previa (placenta overlays the cervix), 19 placental abruption (the placenta detaches partially or completely before the birth), 19 and premature birth.8 Even in women planning repeat cesarean, uterine rupture occurs at a rate of 1 in 500 versus 1 in 10,000 in women with no uterine scar.27

And the divorce rate is about 40 percent, even less for college - educated couples.

Latino children are less likely to get an autism diagnosis and treatment than white children, even though the autism rate is gr...

Despite the widened socioeconomic inequalities by the intervention in rates of prolonged exclusive and any breastfeeding, breastfeeding rates were even higher among mothers with the lowest education (secondary school or less) in the intervention group than they were among mothers who completed university in the control group.