Sentences with phrase «in times of low interest rates»

Worst case, I think, is that you find yourself with «dead money» for a couple of years, and in these times of low interest rates «dead money» is not so devastating.

In a time of low interest rates, that's an attractive option.

Not exact matches

The time spent in the work force before launching Swift helped Harris refinance his loans to a lower interest rate through SoFi, one of a few new marketplace lenders focusing on student - loan debt.

Given the collapse of commodity markets was the trigger for the shock interest - rate cut in January, it is reasonable to speculate that continued weakness could prompt the central bank to lower borrowing costs a third time in 2015.

While the Fed has indicated it plans to raise short - term interest rates, the uncertain domestic and global economies and the still - loosening monetary policy of central bankers in other countries suggests that rates could remain very low for a long time still.

The U.K. had been expected to follow close behind the Federal Reserve in raising interest rates for the first time in nearly a decade, but with lower commodity prices and weak wage growth still keeping a lid on inflation, economists now think that the U.K. may not raise rates till 2017 — even though new data out Wednesday showed the employment rate hit a 45 - year high of 74 % in the three months to November.

Parents hoping to teach their children the power of compound interest on their savings today will have a harder time than parents in the 1970s and 1980s, when interest paid on savings accounts soared above 10 per cent compared with rates today, when even the highest - paying savings accounts sit in the low single digits.

Borrowers should keep in mind that lower interest rates at the beginning of a loan result in more actual savings than lower interest rates towards the end of a loan since the principal is lower as time goes by (interest charged is a percentage of the current loan balance).

Borrowers who take advantage of this special, limited - time consolidation option would also receive up to a 0.5 percent reduction to their interest rate on some of their loans, which means lower monthly payments and saving hundreds in interest.

If rates are rising, borrowers typically seek to lock in lower rates of interest to save on interest rate costs over time.

The new loan could have a lower interest rate, both fixed and variable are offered, which could save the borrower a significant amount of money over time in interest payments.

Direct program expenses were up $ 1.0 billion (5.5 %), primarily due to the timing of payments as well as an increase in federal government employee pension and other future benefit liabilities, reflecting the impact of lower interest rates.

First - time homebuyer loan programs offer financial benefits such as lower interest rates and low down payments, but many of them require you to live in the home for a designated period or take homeowner education courses.

And by lowering your interest rate, you can put more of your hard - earned cash towards the principal balance while saving thousands of dollars in interest charges over time.

This makes it important to weigh the value of access verses a lower interest rate in some circumstances — this is true even for very creditworthy borrowers who would otherwise qualify for a traditional commercial loan at the bank but their loan purpose doesn't give them the luxury of time required to wait for a traditional bank loan.

Looking back over the Hansard of the last meeting in May 2001, I see that I was explaining why we had lowered interest rates three times (in February, March and April).

Yes, there is an argument for «crowding out» in «normal» times, but, as stated, with low interest rates, under - employment, and private firms sitting on piles of cash, its not a relevant argument for our current situation.

All that time, there was no rhyme or reason in regard to the fact that because of the low interest rate, it's certainly not to invest their cash.

Guaranteed Rate's combination of low FHA interest rates and smooth online mortgage tools makes it our recommendation for first - time homebuyers in Washington.

The level of intermediaries» interest rates for households and small businesses remains historically low — in particular, notwithstanding the fact that the cash rate exceeds by 1.5 percentage points its level at the previous cyclical trough in 1993/94, rates paid by borrowers, especially for housing, typically remain below their level at that time.

Global bond yields remain relatively low, reflecting expectations that global interest rates are still likely to remain low for some time, notwithstanding upward revisions to those expectations in the past couple of months.

As is common in countries with negative real interest rates, German investors are pulling money out of low - yielding bank accounts and investments and plowing it into all types of real estate, causing prices to boom for the first time in a very long while.

Finally, for some time the Finance Department has been engaged in a strategy of locking into long - term debt at historical low interest rates, thereby minimizing the impact of higher interest rates on public debt charges.

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Meanwhile, much of the impact of the European Central Bank's (ECB) highly anticipated quantitative easing (QE) program appears to have been realized, as interest rates in periphery bonds reached their lows in March around the time of program implementation and more recently core rates (French and German) appear to have bounced significantly off of their lows.

But he stresses that he did this analysis on his own because he's been asked so many times lately what could happen to the housing market — which has already suffered a slump in sales and an easing of growth in prices since tougher mortgage lending rules were introduced last summer — if interest rates inch up from historic lows.

«The flip side is that when interest rates rise, some of that appetite might be lower over time,» says Axel Merk, chief investment officer of Merk Investments, which manages mutual funds that invest directly in global currencies.

The timing of the surge of deals has its roots in a low - interest - rate environment that has lowered the cost of funds.

Inventory shortages were more serious in lower price tiers, making it very difficult for first - time buyers to take advantage of historically low interest rates below 3.5 percent.

Opening a credit card in your name, charging no more than 30 percent of the limit, and paying it off in full and on time each month is the best way to earn a high credit score — which is the key to qualifying for low interest rates on a car loan, mortgage, or personal loan.

You can also consider a 15 - year fixed - rate mortgage which allows you to pay off your loan in a shorter period of time and has a lower interest rate, but the drawback of this is that your monthly payments will be higher.

I am fully aware the depreciation value of dollar with time and with interest rate so low, it's better to invest the money than leaving it in the bank.

All of this makes for a ripe time for the P2P investor to take advantage of the interest rate gap and help borrowers get a lower rate in the process, all the while generating a steady return on your P2P investment.

Over time, the stock market has reached new records, powered by economic and earnings growth.2 We expect both to continue: The domestic economy is picking up a little speed, helped by improving growth in the rest of the world, and company earnings have benefited from better sales, the weaker dollar and still - low interest rates.

At the same time, with rising life expectancy the number of years spent in retirement has increased dramatically, health care costs are high and rapidly rising, and interest rates are at historic lows.

These can be helpful if you take advantage of the lower rate for the set period of time and then refinance before the higher rate kicks in so you end up paying less toward the interest and more toward the principal.

Now we are seen as one of the safe havens — able to borrow money at lower interest rates than at any time in our history.

And at a time of historic low interest rates, now is the time to lay foundations for future prosperity; making long term capital investments that generate growth, and that our economy and businesses need - in rail, in housing and in broadband.

He added that businesses already servicing credit facilities at the time of the rate cut may not benefit from the lower interest, rather, those that that go in for new facilities would benefit.

On Friday, Astorino will unveil a proposed capital budget for 2017 of more than $ 300 million, which comes at a time when Westchester can take advantage of historically low interest rates and the best credit rating of any county in the state.

He noted that interest payments on the national debt, at $ 230 billion per year, dwarf federal research budgets in all agencies combined — even at a time of low interest rates.

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.

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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.

The weighted average savings calculation is based on the following assumptions: (1) The borrower's loan term selected for the refinancing is the same as the term of his / her original loan; (2) A 0.25 % interest rate reduction for enrolling in automatic payments (optional for borrowers); (3) On - time payments of all amounts that are due; and (4) A static interest rate (Note: variable interest rates may move lower or higher throughout the term of the loan).

Refinancing typically involves an up front cost that can pay off in the form of lower interest rates over time.

They get home loans with great interest rates, low fees and predictable, fixed monthly payments, and they make a budget ahead of time and think about their long - term plans so they don't get in over their heads.

And in that time, you'll save a ton on interest, because ARM interest rates are typically lower than that of fixed - rate mortgages.

Look at what almost destroyed the banking industry along with the housing market back in 2008 happened precisely because people bought in at a low - interest rate and forgot that in a short period of time 4 to 5 years the rate would then go up to whatever the market would bear at the time.

Low interest rates allow to settle the balance completely in a shorter period of time.