Sentences with phrase «in a low interest rate environment for»

I think the most important assumption in this entire post is your stated belief that we will be in a low interest rate environment for years.

Since 2003, I've taken a stance that we will be in a low interest rate environment for years.

We have been in a low interest rate environment for a long time so an increase in interest rates might be approaching.

I used to think the same way, and realized about 8 years ago we're going to be in a low interest rate environment for a looooooooong time.

We have been in a low interest rate environment for a long time so an increase in interest rates might be approaching.

Not exact matches

«Despite being increasingly unaffordable for new home buyers, the current expensive housing prices are rational, and should be expected in the low interest rate environment.»

Looking ahead, one has to wonder if there is room for lower interest rates and what will happen to the housing market in 2016 in a flat rate environment — especially in Alberta where there are ongoing layoffs.

Alexander agrees that we'll remain in a low - interest - rate environment for at least two or three years, though he can see the Bank of Canada increasing rates by, at most, 1 % between now and 2015.

Trump's plans to increase fiscal spending has boosted bond yields — a change that would support higher revenue for banks currently languishing in a low - interest rate environment.

Pension funds are going to be investing in a generally low interest rate environment for a while,» she said.

«It is thus important to realize that in the current environment of low long - term interest rates, fiscal prudence does not require bringing the annual budget balance to zero almost immediately,» he wrote in a paper for the Bennett Jones law firm.

Interest - only loans had grown very strongly for a number of years in an environment of low mortgage rates and heightened competitive pressures among lenders.

In the mad scramble for loan creation during the final phase of the Housing Bubble, the government created an environment of essentially free money by allowing the big agencies, Fannie Mae and Freddie Mac (or Phony and Fraudie, as I often affectionately refer to them), to securitize loans to the bottom of the barrel risks with crazy terms like no money down and incredibly low «teaser» interest rates.

Russ Koesterich discusses where to look for yield in today's «low - for - long» interest rate environment.

-LSB-...] that interest rates will stay low for years (3 % or less), but just in case I'm wrong, read, How To Profit In A Rising Interest Rate Enviinterest rates will stay low for years (3 % or less), but just in case I'm wrong, read, How To Profit In A Rising Interest Rate Environmenin case I'm wrong, read, How To Profit In A Rising Interest Rate EnvironmenIn A Rising Interest Rate EnviInterest Rate Environment.

«Given what looks to continue to be a low - interest - rate environment for some time in many countries, along with uncertainties about government safety nets, individuals may need to think more strategically about investing for retirement — and how to generate income after,» said Ed Perks, executive vice president, chief investment officer, Franklin Templeton Equity.

The current environment of low interest rates and elevated equity valuations has many investors in a tight spot, as return expectations are lower than usual for both bonds and domestic stocks.

The low interest rate environment may also have encouraged a shift in investments towards hedge funds as, in the past, hedge funds have achieved higher average returns than traditionally managed investments, albeit in exchange for greater risk.

«Barring some exogenous event, the US will be in a relatively low interest rate, and spread, environment for at least the next 12 — 18 months,» says John Bolduc, executive managing director at Miami - based H.I.G. Capital.

If you're not planning to be in the home long, an ARM could serve you best in today's low - interest - rate environment, as it will lock in low rates for a few years.

Still, ongoing demand for financing amid a low income environment and slightly higher interest rates suggests that credit risks in the farm sector still remain a focus for 2018.

For this reason, fixed rate loans can best guarantee long term affordability in a low interest rate environment.

This may give you greater potential for growth compared to traditional universal life policies, where the interest rate is declared by the insurance company, particularly in a low - interest rate environment.

«It's important to note that the United States is still historically in a very low interest - rate environment, and frankly, keeping rates close to zero for a prolonged period really isn't healthy.

As many fixed income investors have discovered in the low interest rate environment of the past several years, opportunities to achieve better levels of income exist, but thoughtful consideration of the potentially higher risks associated with the hunt for better yield is essential.

As I write in a recent paper, «Brave New World: Investing for Longer Retirements,» this rule is likely to prove less effective in today's environment of longer lives, fewer traditional pensions and low interest rates, where many people haven't saved enough to finance a multi-decade retirement.

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.

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 effect of the proposed separation of NOOK Media, 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, risks associated with the commercial agreement with Samsung, 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 (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung 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 previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, 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 May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

As I write in a recent paper, «Brave New World: Investing for Longer Retirements,» this rule is likely to prove less effective in today's environment of longer lives, fewer traditional pensions and low interest rates, where many people haven't saved enough to finance a multi-decade retirement.

For this reason, fixed rate loans can best guarantee long term affordability in a low interest rate environment.

The appetite for dividend stocks has been strong in the low interest rate environment of the past ten years.

The low interest rate environment makes it difficult for savers to meet their return ambitions without stepping out of deposits and becoming investors in riskier assets.

First of all, in the current low - interest - rate environment, my investments are almost certain to outperform the rate on credit I will qualify for.

For home buyers this means they can still expect the low interest rate environment we've become accustomed to throughout 2016, but don't hold out for a dip in rates below the historically low levels that we experienced in 20For home buyers this means they can still expect the low interest rate environment we've become accustomed to throughout 2016, but don't hold out for a dip in rates below the historically low levels that we experienced in 20for a dip in rates below the historically low levels that we experienced in 2015.

While I still believe U.S. yields are likely to rise modestly by year's end, last week's decline in yields is a reminder that we're in a «low - for - long» interest rate environment.

«Investors continue to search for yield in today's low interest rate environment.

In the current lending environment, with interest rates at an all - time low, now is an ideal time for you to refinance your mortgage and possibly save thousands of dollars per year, enabling you to pay more money per month towards the principal on your mortgage as opposed to the interest — which, in turn, can help build equity quickeIn the current lending environment, with interest rates at an all - time low, now is an ideal time for you to refinance your mortgage and possibly save thousands of dollars per year, enabling you to pay more money per month towards the principal on your mortgage as opposed to the interest — which, in turn, can help build equity quickein turn, can help build equity quicker.

Given the current low interest - rate environment, adding a high - yield allocation to your core bond portfolio or investing in a multisector bond fund may help increase your investment income — just remember that many of these types of funds still come with the potential for significant volatility, particularly during times of heightened economic and / or stock market volatility.

The current environment of low interest rates and a weak dollar remain supportive of gold prices, Ms. Ong said, adding that the potential for further quantitative easing by the Federal Reserve also increases gold's appeal in the longer term

Rob also stated that in today's low interest rate environment, saving for retirement beats paying down your mortgage.

In a low interest rate environment, the investor gets less cash flow in return for the same investment than she would receive if she were to invest the same amount in a high interest rate environmenIn a low interest rate environment, the investor gets less cash flow in return for the same investment than she would receive if she were to invest the same amount in a high interest rate environmenin return for the same investment than she would receive if she were to invest the same amount in a high interest rate environmenin a high interest rate environment.

That said, loan rates for premium financing are generally variable (and NOT fixed) and we've been operating in an environment of very low interest rates.

Among them, the Zions Bank Interest Savings Account is a solid choice for savers who are looking for good returns for their money in such a low interest rate environment, which could remain so for a long time, making the Zions Bank Savings Account even more apInterest Savings Account is a solid choice for savers who are looking for good returns for their money in such a low interest rate environment, which could remain so for a long time, making the Zions Bank Savings Account even more apinterest rate environment, which could remain so for a long time, making the Zions Bank Savings Account even more appealing.

In the current environment of rising interest rates, lower costs, and higher loan growth, we believe earnings and equity valuations for the banking sector should recover in earnesIn the current environment of rising interest rates, lower costs, and higher loan growth, we believe earnings and equity valuations for the banking sector should recover in earnesin earnest.

Preferred shares have become popular in today's low interest rate environment as investors reach for higher yield.

Given that we're in a rate climate that hasn't exactly been favorable for savers (it's been a low interest environment for a while now, with no signs of a change in the trends), the «raise your rate» feature may offer a bit of insurance.

Not surprising, really, because there are many people in that demographic who are looking for higher investment returns in a low interest rate environment.

Additionally, the search for yield in the low interest rate environment that central banks across the globe have created has prompted many investors to chase stocks and neglect precious metals in hopes of higher rates of return on their capital.

Junk Bonds for example in a low interest rate environment would not be recommended for a retirement portfolio.

Investing in peer to peer loans has the potential for earning very high returns, even in a very low interest rate environment.