Sentences with phrase «given at higher interest rates»

Not exact matches

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.

While stocks have a terminal value beyond a 10 - year period, the effects of interest rates and nominal growth on those projections largely cancel out because higher nominal GDP growth over a given 10 - year horizon is correlated with both higher interest rates and generally lower market valuations at the end of that period.

This way, if a bear market occurs, you have a year of cash becoming available at the maturity date so that you do not have to sell stocks, and in a bull market you can buy new bonds as the ones you own mature, and you thereby benefit from the higher interest rates that high quality bonds give versus cash or CDs.

Recently, there has been some discussion, prompted by senior staff at the International Monetary Fund (IMF), that central banks might aim for high inflation — say 4 per cent — as a way of giving them more scope to reduce official interest rates in future downturns.

As usual, I don't place too much emphasis on this sort of forecast, but to the extent that I make any comments at all about the outlook for 2006, the bottom line is this: 1) we can't rule out modest potential for stock appreciation, which would require the maintenance or expansion of already high price / peak earnings multiples; 2) we also should recognize an uncomfortably large potential for market losses, particularly given that the current bull market has now outlived the median and average bull, yet at higher valuations than most bulls have achieved, a flat yield curve with rising interest rate pressures, an extended period of internal divergence as measured by breadth and other market action, and complacency at best and excessive bullishness at worst, as measured by various sentiment indicators; 3) there is a moderate but still not compelling risk of an oncoming recession, which would become more of a factor if we observe a substantial widening of credit spreads and weakness in the ISM Purchasing Managers Index in the months ahead, and; 4) there remains substantial potential for U.S. dollar weakness coupled with «unexpectedly» persistent inflation pressures, particularly if we do observe economic weakness.

For instance, according to ValuePenguin's analysis of savings rates, some online banks offer interest rates that are 100 times better than ones at brick - and - mortar ones — although, given today's low - interest environment, you still won't get rich on even those higher rates.

For starters, the ECB's $ 489 billion in three - year loans at 1 % interest gives banks a free lunch arbitrage opportunity (the «carry trade») to buy Greek and Spanish bonds yielding a higher rate.

That's why I hate buying cars hate buying them just once I want to purchase one without all the BULL for real because they all are full of it, including the white lady that sits behind the desk and calls the banks and gives the customer that high tail interest rates, I can't even look at her.

With a Money Manager account from Great Southern, you'll enjoy higher interest rates, tiered interest rates 2, image statement at no additional cost 5 and a Bounce Protection limit of $ 700 available, which will give you peace of mind that your transactions will be paid, regardless of whether you have sufficient funds in your account or not 1.

Some cards also give you the opportunity to pay down existing high interest debt at a low rate or even 0 % introductory APR..

I know if by debt to income ratio is high I may get a higher interest rate on the home equity loan or the bank may not give me the loan at all.

The more money you give to a bank, the more money the bank has to lend out to other people at high interest rates.

Additionally, credit rating agencies look carefully at a companies leverage ratio when deciding what rating to give a company, lower credit ratings mean companies will need to pay higher interest rates to borrow money.

The best way to look at the higher interest rate is that your new bad credit personal loan will give you the chance to prove to a new lender that you are ready to make a new start by being a good borrower.

Bad credit personal loans give you the opportunity to improve your credit, but at a high interest rate.

CDs that pay progressively higher interest rates (step - rate CDs) and CDs that give investors a limited option to increase their CD rate (bump - up CDs) are available at some banks.

Given that interest rates are so low at banks and brokerage firms, the higher interest income that an Upstart account can provide could make an excellent place to hold your fixed income IRA allocation.

It is often given at the higher rate of interest, but we negotiate to lower the rate of interest so that you can make repayment conveniently.

Fortunately, given that interest rates are still at historic lows, the Education Department can lock in a bargain - basement cost to refinance its entire loan portfolio rather than continuing to game the yield curve where higher - priced, longer - term student loans are financed with lower - priced, shorter - term government borrowings.

Essentially a mortgage which is signed at a higher than market interest rate, (this would be the «give» from the client to the lender).

But, some car dealerships may be able to give you a car loan at an insanely high interest rate.

Sorry I mean't to add one other thought, if the card holder is carrying a high balance and their interest rates increase like the banks have been raising in recent months, this could backfire on the banks themselves, I mean since the banks give a 45 notification of the increase and the consumer is already maxed out and can barely make the payments as it is, the increased interest rates because of how the congress requires at least all the monthly interest and some of the principle to be paid on the cards, done so that consumers could reduce the amount of time to illiminate their debts, this may spawn many card holders whoms payments will increase much like those adjustable rate mortgages that people walked away from to go wild with their remaining balances on the card and then default, the whole irony is that the consumer may very well use the card thats damaging them to pay for bankruptcy proceedings lol!

Good speaking with you today... It's unfortunate your RBC rep can't give you clear answers or guidance... I think if you are selling in 3 yrs, and are not sure about whether you will buy another home, then I would take the 5 yr variable rate... or the 3 yr fixed rate... I like the Variable because your penalty is capped at 3 months interest... we also think interest rates won't go sky high in 3 yrs... it will probably go up but if you are comparing an RBC penalty of $ 4k or $ 5k, then take the Variable... Hope that helps..

If you are undecided about whether or not to buy an annuity, because you feel that interest rates will eventually move higher, or you are not quite ready to give up control over your investments, you could consider rolling the RRSP into a RRIF at retirement and then later on, if rates go up, or if you simply become tired of managing your own money, you can transfer the funds from your RRIF into an annuity.

okay here's my two cents worth folks im up for renewal and have just nagotiated a rate 5 yr variable1.75 persent or if i want a five yr fixed at 4.49 still quite a gap between fixed and variable here i believe i have a little lee way here apparently i was only interesed in variable and five yr fixed but i made it absulutly apparent to them that when lock in from a variable i get the whosale discounted rate at that time and written into the contract i kinda believe this the way the market is heading as we head out of ressesion and the bank of canada is going to make there move i believe coming up in june and just to make this firm i do not believe the boc will raise rates in fast mode far from it will be slow process i don't care what the ecconmists are thinking we have to remember manufactering sector is reallt taking a hit on the high dollar and don't forget our niegbours to the south how dependent our canada is with them i believe it will be a slow process a lot of people heve put themselves in a debt load over these enormously low interest rates but i may be wrong i think a variable is the way to go if you want to work on that princibal at least should i say the say the short to medium term and betting that the bond markets stay put for the short to medium term - i have given enough interest to the banks maybe i can pay a little less at least fot the short to mediun term here i have not completly decided yet put i think im going variable although i wish my mtge was up a year ago that would have been just great congradulations to all that did.

In the end, a higher rate over a shorter period can give a lower total interest cost than a longer term at a lower rate.

Then they give you the 12 months or so of no interest and then hit you with a high rate of 17.99 % Then all customer serivce can say when you ask for a reduction is that sometime in the future but at no set intervals they will monitor your account and adjust as deserved.

They could still give you a mortgage but they might only do so at a higher interest rate to counter balance their added risk.

Credit card issuers are required to give consumers at least a 45 - day notice before charging a higher interest rate and at least a 21 - day «grace period» between receiving a monthly statement and a due date for payment.

A no closing cost debt consolidation refinance is when the lender gives a credit at closing to offset any closing costIn exchange for taking a slightly higher interest rate, the lender will pay your closing costs for you.

Beyond that, the mere existence of «subprime» loans — i.e., mortgages given to less - creditworthy individuals at higher interest rates — isn't the problem here.

Given these circumstances, a bond ETF investor has to look at riskier propositions like bond funds with higher duration (i.e. a measure of interest rate risk) since bond funds targeting the higher end of the yield curve generally have higher rates of interest attached.

You may only qualify for its highest interest rates, which are comparable to payday loans, but at least you will be giving your credit score a chance.

After looking around and watching rates at banks I was interested got cut repeatedly, I gave up that idea because I realized that it's just not worth it to get another account with rate that's only 0.1 % higher than what I already have.

To get the highest interest rates, consider opening your CD at a nontraditional bank, which will often give you a great deal.

So why don't lenders offer a true reverse mortage which would compute and lend a stream of payments (at interest of course, but hopefully a rate reflective of the low risk given the high property value / loan ratio) rather than a useless lump sum which has seniors paying pretty high mortgage interest rates on a large amount of loan, rather than a interest on the (rising) amount of loan as the stream of payments accumulated.

Even half that seems high given that interest rates in Japan are very low at present so it is possible that these payments are due to old fixed rate loans.

If high interest rates are evident you have to look at the other value adds a premium financed policy gives you.

At that time banks were giving 15 % so those who invested in j akshay still getting 14 % boss... this is the power of LIC that inspite of paying such higher interest rate it is growing day by day, year by year.

Our client are the lenders not the brokers, are able to give rapid decisions with a high lending completion rate at highly competitive interest and repayment terms.

«A colder winter may result in inflationary pressure and higher interest rates, given the tight worldwide energy supplies - the only question at this point is how much price inflation the economy can absorb.»

«Rising rents in some of these seeming smaller towns might come as a surprise for many, but given recent rising interest rates and an ever - tightening housing supply, the barrier to homeownership is pretty high at the moment», according to Doug Ressler, senior analyst at real estate site Yardi Matrix.

He / she keeps their mortgage in place, gives you a mortagage at a higher interest rate and they kkep the spread and are able to sell the house.

After the 2008 recession, banks were extremely stingy with their lending, only giving out mortgages at high interest rates and to those with impeccable credit.