Sentences with phrase «inflated rate in»

Louis Brandeis found the life insurance industry to have inflated rates in the past, and formed the company in order to make things right by offering fair, affordable products.

Not exact matches

The decline is attributable, in large part, to slow growth in pension values — tweaks to assumptions about interest rate and life spans had inflated them the prior year — and underwhelming corporate performance.

Usually by the time you get to that point, say, in»06 or» 07, the Fed hikes rates aggressively, the curve is inverted, there had been excessive lending against inflated real - estate values.

The first allows those claiming Employment Insurance to earn extra income on top of their benefits, and the other inflates benefits for claimants in regions with high jobless rates.

There is no evidence that the policy, which encourages borrowing by keeping long - term interest rates low, has inflated dangerous bubbles in the stock market and residential real estate, she said.

Plus, near - zero interest rates are precisely what encouraged such inflated levels of borrowing in the first place.

The valuation is inflated by the high growth rates seen in the Indian market.

A long period of low rates has encouraged investors to assume greater risk in the stretch for yield, inflating asset prices.

For example, lower rates have accelerated purchases of cars and other consumer durables and created apparent increases in wealth as asset prices inflate.

And if there's runway inflation and sky high interest rates back to the Carter years like you say, then I hope to have the assets to inflate with inflation and the cash to buy assets in a decline.

Specifically, Defendants made false and / or misleading statements and / or failed to disclose that: (i) the Company was engaged in predatory lending practices that saddled subprime borrowers and / or those with poor or limited credit histories with high - interest rate debt that they could not repay; (ii) many of the Company's customers were using Qudian - provided loans to repay their existing loans, thereby inflating the Company's revenues and active borrower numbers and increasing the likelihood of defaults; (iii) the Company was providing online loans to college students despite a governmental ban on the practice; (iv) the Company was engaged overly aggressive and improper collection practices; (v) the Company had understated the number of its non-performing loans in the Registration Statement and Prospectus; (vi) because of the Company's improper lending, underwriting and collection practices it was subject to a heightened risk of adverse actions by Chinese regulators; (vii) the Company's largest sales platform and strategic partner, Alipay, and Ant Financial, could unilaterally cap the APR for loans provided by Qudian; (viii) the Company had failed to implement necessary safeguards to protect customer data; (ix) data for nearly one million Company customers had been leaked for sale to the black market, including names, addresses, phone numbers, loan information, accounts and, in some cases, passwords to CHIS, the state - backed higher - education qualification verification institution in China, subjecting the Company to undisclosed risks of penalties and financial and reputational harm; and (x) as a result of the foregoing, Qudian's public statements were materially false and misleading at all relevant times.

The danger in monetary policy, moreover, lies not in politicians eager to inflate away problems but in bankers refusing to generate enough demand to bring inflation up to target levels and permit reductions in real interest rates.

He explains that when a government body in this case the CBN steps in and sets price at levels where they would not ordinarily go by themselves, they are repressing the price of interest rate, inflating the price of risk assets.

Although inflation compensation, which has returned as an accurate measure of inflation expectations, plays a key role in the recent rise in longer - term rates, an earlier post illustrated that the primary reason for the longer decline in the 10 - Year Treasury note rate is the real, or inflation - adjusted, yield, as measured by the rate on 10 - Year Treasury Inflated Protected Securities.

It's not because the economy is crashing — which it is — but because the foundation of the massive, money - printing inflated asset bubble in the U.S. and globally rests on the teetering foundation of zero - percent interest rates.

We have been linked with the likes of Javier «Chicharito» Hernandez, Pierre - Emerick Aubameyang, Alvaro Morata and Karim Benzema in recent windows, and at the rate these Chinese clubs are snapping up players, we may simply either be snubbed in favour of a big pay - day, or be priced out of moves due to the inflated market.

Including high risk births in the hospital group artificially inflates the mortality rate, giving you in inaccurate impression of actual risks.

AG Andrew Cuomo is investigating eight banks to see if they misled rating agencies to inflate the grades of mortgage securities in the years before the collapse of the housing market.

«The record - high incarceration rate in the U.S. has been inflated further by federal prison sentences for people whose only crime is stepping across the border.

In fact, he insists that his legislation would actually drive down premiums for everyone, noting that a major reason they are so pricey is that hospitals and doctors charge the insured artificially inflated rates to cover the unpaid bills of the uninsured.

Factor in concessions, transportation to and from the theater, and — for some moviegoers, anyway — inflated babysitting rates, and seeing films on the big screen becomes a pretty costly pastime.

State Education Commissioner John King said students can't learn a whole class in a week and he has heard allegations that some schools are inflating graduation rates with credit recovery.

Key concerns include the possibility of misleading information due to reference bias in students» self - reports and that students may simply inflate their self - ratings to improve their school's standing once stakes have been attached.

In U.S. News, Robert Pondiscio worries that some credit recovery programs are a mere fig leaf covering up academic failure and inflating graduation rates.

Still, NCLB gave states significant leeway in calculating graduate rates, and for years, the states used widely differing approaches, often with an eye towards inflating their numbers.

But the continuing improvements in fourth - grade achievement shows that there have been benefits from the law, which brought accountability to American public education, forced revelations of inflated graduation rates.

In the latest kerfuffle, the district's school report card included a measure of early literacy that many say is based on an unreliable measure that artificially inflates school performance ratings.

California education leaders inflated the state's high school graduation rate by 2 percentage points in 2014, according to the results of a federal audit announced Wednesday by the U.S. Department of Education.

A 2010 study on a pilot system in Chicago found, for instance, that when using the high end of the scale, principals often inflated their ratings compared to other observers, in part because of cultural expectations.

Student advocates say it's wrong to hold students responsible for loans they took out to attend fraudulent for - profit colleges that inflated their job - placement rates and engaged in predatory recruitment and marketing tactics.

In the age of accountability ushered in by the No Child Left Behind law in 2002 and continued under 2015's Every Student Succeeds Act, many school officials are using fraudulent methods to inflate graduation rateIn the age of accountability ushered in by the No Child Left Behind law in 2002 and continued under 2015's Every Student Succeeds Act, many school officials are using fraudulent methods to inflate graduation ratein by the No Child Left Behind law in 2002 and continued under 2015's Every Student Succeeds Act, many school officials are using fraudulent methods to inflate graduation ratein 2002 and continued under 2015's Every Student Succeeds Act, many school officials are using fraudulent methods to inflate graduation rates.

The law brought accountability to American public education, forced revelations of inflated graduation rates, and showed the poor performance of suburban districts in improving student achievement for all kids (including those from poor and minority backgrounds).

While recent gains in the national graduation rates are real, there are some examples of states and districts inflating their numbers, and the GradNation campaign has highlighted those states and districts in previous updates to the nation.

While CEP is a valuable nutrition program, it makes FRPL functionally unusable as a proxy for counting low - income students and has the effect of artificially inflating FRPL rates in participating schools and districts because all students receive no - cost meals, regardless of family income.

IIHS says the only thing that kept the GM duo from earning a «perfect» rating was a gap in the inflated portion of the airbags which could potentially leave the head vulnerable to hitting the door or intruding objects.

In 2014, the Department of Education alleged that Corinthian Colleges was recruiting students while advertising inflated job placement rates, for which the Consumer Financial Protection Bureau (CFPB) took action against the school.

In the first action, the CFPB ordered Citibank to provide nearly $ 5 million in consumer relief and pay a $ 3 million penalty for selling credit card debt with inflated interest rates and for failing to forward consumer payments promptly to debt buyerIn the first action, the CFPB ordered Citibank to provide nearly $ 5 million in consumer relief and pay a $ 3 million penalty for selling credit card debt with inflated interest rates and for failing to forward consumer payments promptly to debt buyerin consumer relief and pay a $ 3 million penalty for selling credit card debt with inflated interest rates and for failing to forward consumer payments promptly to debt buyers.

The false numbers, which had been released in 2015, are a result of a «technical programming error» where the Department of Education inflated the repayment rates for 99.8 percent of all colleges and trade schools in the United States.

When compared to traditional forward mortgages, the reverse mortgage loan holds an advantage in the sense that there is no threat of an unexpected mortgage payment increase due to inflated market rates.

A very good - to - excellent credit score is important in the approval process, so anything below a prime FICO score of 700 may mean getting saddled with inflated interest rates or declined for the loan.

The crime rate applies more where you looked at things like serious predatory lending and inflated home values — where older people were talked into refinancing their house that was worth about $ 40k for a loan of about $ 80k so they could lower their payments by $ 75 / month, or those who really didn't understand what they were signing were talked into majorly inflated prices for homes in areas not worth it.

Most of the big lenders tend to base their penalties on posted rates as this can often result in inflated charges.

Many critics have complained that the easy money policy and low interest rates set by the US Federal Reserve have inflated a bubble in the global stock markets.

Certainly, a central bank can hold interest rates lower than market - determined levels, in the process inflating capital asset prices.

The increase in shorter - term lending costs may sound terrible for individual borrowers, but the Fed is unlikely to inflate the federal funds rate drastically over a short period of time.

The primary consumer protection problem areas that have given rise to the States» actions include: (1) unsubstantiated claims of consumer savings; (2) deceptive representations about the length of time necessary to complete a debt relief program; (3) misleading or failing to adequately inform consumers that they will be subject to continued collection efforts, including lawsuits, and that their account balances will increase due to extended nonpayment under the program; (4) deceptive disparagement of consumer credit counseling; (5) deceptive disparagement of bankruptcy as an alternative for debtors; (6) lack of screening and analysis to determine suitability of debt relief programs for individual debtors; (7) the collection of substantial up - front fees so the debt relief company gains even if it fails to perform; (8) lack of transparency and information for consumers as to payment of fees, status of accounts, and communications with creditors; (9) significant delays in active negotiation or engagement with creditors, coupled with prohibitions on direct consumer communications with creditors; and (10), in the case of debt settlement companies, basing savings claims (and settlement fees) not on the original account balance, but on the inflated amount due (including late fees and default rates of interest) at the time of settlement.

Japan chalked in another $ 20b, though its total was inflated by the impact of falling long - term rates on its long - term dollar portfolio (Japan marks its bond portfolio to market).

As a result, our forecasted return has been somewhat inflated in nominal terms, whereas an investor's actual purchasing power was only reduced by the lower actual inflation rate.

People are going to borrow more in this Goldilocks interest rate environment (where abnormal rates no longer reflect risk) and are forced to for RE when the effects of both Government policies and Central Bank monetary policies combine to cause real estate to «demand inflate».

The two inflated figures described in (1) and (2) are multiplied together, further inflating estimated predation rates.