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

In low interest rate environments with narrow credit spreads, preferred stocks behave similarly to bonds.

Non-direct recognition companies tend to be more favorable, and illustrate better, in a lower interest rate environment with a higher margin between the loan rates AND dividend crediting rates.

This is in a low interest rate environment with 5.50 % to 3.50 % Ontario long term bond yields.

Not exact matches

We are still in a very low interest rate environment, and even with rates going up, I feel that interest rates will be at the low end of the scale.

With limited growth opportunities in a low interest rate environment, many CFOs have argued buying back stock is the best way to boost shareholder value in the near - term.

The sector isn't devoid of challenges: Canada's banks are contending with an ongoing low - interest - rate environment, slower consumer lending growth and weakness in the securities business.

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.

Importantly, even in today's low interest rate environment, I am able to meet my entire annual budget and then some with just this 40 % of my taxable accounts.

«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.

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.

These people are going to require advice regarding taxes, portfolio withdrawal strategies, estate and trust issues and social security payouts in addition to investment management in a fairly tricky market environment with extremely low interest rates.

In the current low - interest - rate environment, investors are not being rewarded with enough income to take on that interest - rate risk.

The combination of low levels of ES funds and the cash rate remaining close to its target suggests a couple of conclusions: first, the market players involved with RTGS have adapted well to operating in the new environment; and second, participants have reasonable confidence about the availability of cash near the interest rate announced by the Reserve Bank as its policy target.

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.

This return is fantasy in this low - interest - rate environment and with an incredibly volatile stock market.

Boros thinks it is the rapid growth in sales of variable annuities with living benefit guarantees, combined with the extremely low and prolonged interest rate environment, that spurred carriers to start certain suspensions.

In the current low - interest rate environment, this issuance provides an opportunity to refund higher - interest bonds and replace them with lower - cost debt, generating substantial future savings to the State of New York.

Taking advantage of the low interest rate environment at the time, PRHTA refinanced the loan with tax - exempt debt in April 2003, fully prepaying TIFIA in the amount of $ 305.6 million.

We offer quick and easy financing options with low interest rates in a no - hassle environment.

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.

One of the oldest tricks in the game is to offer a high current yield, where the yield can get curtailed through early prepayment (typically in low interest rate environments), or some negative event that forces the security to change its form, such as when a stock price falls with reverse convertibles.

Breaking up your purchase into multiple MYGAs with different contract terms is a useful strategy in a low interest rate environment.

Still, in today's low interest rate environment with banks and government offering little more than 1 % return on guaranteed investments, 4 % is nothing to sneeze at.

We live in a low - yield environment spawned by a «new normal» of worldwide monetary policy focused on stimulating with ultra-low or even negative interest rates and massive liquidity injections into the financial system.

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.

In all regions, the duration factor reveals positive exposure to interest rate risk; investors seeking income and safety may see stocks with high dividend yields and low volatility as an attractive alternative to fixed - income securities in a low - rate environmenIn all regions, the duration factor reveals positive exposure to interest rate risk; investors seeking income and safety may see stocks with high dividend yields and low volatility as an attractive alternative to fixed - income securities in a low - rate environmenin a low - rate environment.

In today's financial environment, graduates may want to take advantage of lower interest rates while paying off their debt as soon as possible, or they may prefer to free up extra cash by choosing an extended term with lower payments.

Let's look at what happened to the change in the CAPE valuation multiple and its contribution to total returns in the 1960s, which was an environment of low interest rates to start with which moved higher over the decade.

A retirement portfolio must keep pace with inflation, and that's impossible with cash (especially in today's low interest rate environment).

This may be especially true with fixed income ETFs, where the benefit of active management is muted in the current interest rate environment, and lower fees should be a primary objective of today's fixed income investor.

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.

With compounded growth and tax - deferral, you can grow your retirement savings faster than you may think even in a low interest - rate environment.

With the low interest rate environment we are currently enjoying, you may be able to lock in a low fixed interest rate by refinancing.

«Due to the current low interest rate environment, I've been utilizing the 30 - year fixed loan option 90 % of the time over the past six - plus years for first time homebuyers,» says Lauren Abrams, a mortgage advisor with Absolute Mortgage Banking in San Ramon, Calif..

And you're right, that the people who are selling mutual funds and savings plans haven't figured out the right ways, and you know, in a high interest rate environment, spending the interest, or a high dividend environment, one can make do with that, but when interest rates are low, and dividends are out of fashion, then people have to spend the money down.

Back then, any investment looked good, especially compared with today's environment when interest rates in most developed countries still languish near record lows.

Central banks, such as the Federal Reserve, were all lowering interest rates and working together to restore stability to the market, which created an environment in which stocks were moving together, with little difference between winners and losers, Fidelity's Hogan said.

There is a risk that in an environment where interest rates have risen sharply, that a stable value fund would have a lower market value than book value, with a below market yield.

Consumers have benefited from all - time low interest rates, but they have taken so much debt that monthly expenses associated with paying interest and principal payments in relation to their discretionary income have actually increased despite the low interest rate environment and growth in discretionary income.

A loan is issued with a LIBOR Floor to ensure the base rate does not fall below a set rate in a low or falling interest rate environment.

Total Consumer Debt as % of Discretionary Income (Send me email for the chart) The problem with the «consumer debt as percentage of discretionary income» measure (the above chart) is that it ignores the true cost of debt since higher debt levels in a low - interest - rate environment may not result in a high debt service burden (interest and principal payments) on the consumer.

The lesson here is obvious — even in the current borrowing environment, where relatively low interest rates might seem attractive to growth - minded retailers, tying your hands with debt could seriously reduce the nimbleness that has proven to be an important competitive advantage for pet specialty stores.

KAREN MACKAY: It's interesting because I do hear it from both sides — from general counsel and from managing partners, who are trying to cope with all of this — and in so many firms, because general counsel, the client, has grown up in an hourly rate environment, in many cases, they'll come back with an alternative fee arrangement, it's just a lower hourly rate or a lower hourly rate by volume.

With the «perfect storm» environment we were in — low interest rates, market volatility and institutional mistrust — producers and consumers claimed to be uninterested in complicated life insurance products.

For the year 2016, Mutual Trust Life Insurance Company continued to experience positive financials, with a 16 percent increase in sales, and continuation of its dividend scale — even considering the historically low - interest rate environment in the United States.

In a low interest rate environment a client may be better served from a rate of return standpoint with a properly structured whole life insurance policy.

The abundant capital in the marketplace, coupled with the low interest rate environment and still attractive yields, are expected to continue to fuel demand and higher prices.

«A combination of demand and limited additional supply on the market, coupled with the low interest rate environment that we are in, has really created a good environment to be a seller of real estate right now,» says Nick Anthony, chief investment officer at diversified REIT Duke Realty Corp..