Sentences with phrase «larger than your interest rate»

It will be larger than your interest rate, also known as the note rate, and serves as a tool for understanding your true cost of borrowing.

Not exact matches

Whether it is stricter regulations, negative interest rates, or fragile confidence, banks and other market participants are less than keen these days to hold large piles of risky assets.

Even more interesting than the 4.5 percent rule of thumb, or even its history, is when the failures for larger withdrawal rates occurred and why.

While Fink is right to point out that low interest rates are putting a large burden on those of us trying to save retirement, he does not address the fact that central banks aren't primarily responsible for the fact that bonds of all types are yielding less today than we're used to.

«Because interest rates are low, maintenance fees have a much larger impact on balances than rates for the average account holder.»

11 There seems to be more diversity in interest rate investing than in corporate credit investing, which makes the worries about Treasury market liquidity seem a bit smaller, even though the market is of course much larger.

Not only did the Zero Lower Bound turn out to be not so debilitating as all that — rather than work their will via interest rates, central banks took to injecting money directly into the economy via large - scale asset purchases — but it does not even seem to be the lower bound: central banks, notably in Europe, have successfully experimented with negative interest rates.

Since changes in interest rates impact bond funds differently than bonds and CDs, estimates of price sensitivity may be less accurate the larger the shift in interest rates.

With this budget, any mortgage larger than $ 120,000 will lead to more expensive monthly payments from higher interest rates and insurance premiums.

At first glance, PNC's mortgages offer considerably lower interest rates than you'll find at larger banks such as Bank of America or Wells Fargo.

For example, a 1 % rise in interest rates leads to larger losses when rates are at 3 % than you would see with rates at 6 %.

Mortgage Insurance can help you achieve the dream of homeownership sooner by allowing you to purchase a home with less than 20 % down payment, while paying the same competitive interest rates as buyers with a larger down payment.

The high value of the collateral can help to drive interest rates even lower, and can also allow for larger asking amounts than some people are used to qualifying for.

Who it's for: The 15 - year fixed - rate mortgage is ideal for California home buyers who want to pay less interest than they would pay with a 30 - year loan, and can afford a larger monthly payment.

Banks are sitting on such vast quantities of excess reserves — paid to do so by the Federal Reserve as it pays a relative high interest rate on reserves — that the monetary base is larger than M1.

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.

Mixed with Maryland's scarcity of large parcels and access to a large population within a day's drive, it makes the state an attractive place for investors seeking steady returns higher than they can find in low - interest rate bonds.

Because the loan is divided among a large number of investors (meaning the overall risk is reduced), P2P loans have lower interest rates than online loans and fewer eligibility requirements than bank loans.

The downward trend in recent years reflects a larger fall in the average interest rate received by banks than in the average interest rate paid.

In 2016, more than half of the loans between $ 2,500 and $ 5,000 and about 21 % of larger loans charged interest rates of 100 % or higher.

Debt - free households purchased more expensive homes, put down a larger down payment, and paid a lower mortgage interest rate than indebted households as well.

Other than the Air India case, there hasn't been a large - scale attack on Canada so the media moves on to a better «story» to get ratings and the public loses interest Canada is very different as well than the US.

The head of Australia's largest agricultural lender, National Australia Bank's Khan Horne, says the rural property market is running hotter than ever before because of strong fundamentals and low interest rates but, with a royal commission into banking, he is calling on tighter qualifications for anyone lending to farmers to avoid failures and receiverships that have tainted the sector.

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.

Larger deposits or savings in a tiered rate account may earn more interest than in an account with a single fixed rate.

Loans secured by your home will generally have lower interest rates, approximately 3.5 % to 6.5 %, than loans secured by the solar panel system, which range from 3.5 % to 13.24 %, because the borrower can repossess a larger asset with more value — your home — to recover the full balance due rather than a solar system that has likely lost part of its value over time.

The decline shows how the mortgage market is experiencing its largest shift in more than a decade as an era of generally falling interest rates that began in 2000 appears to have run its course... and the marginal potential refinancer has hit their limit.

While this might not seem like a crazy boost from the 2.96 % yield of the fixed income ETF that I just discussed, it's larger than it seems because dividends are taxed at a favorable rate compared to the interest income generated by bonds.

The allocation decision between interest rate and credit exposure may have a significantly larger impact on the investment outcome than would any security - specific decisions.

So, if you have little or no down payment, you are likely to end up paying a higher interest rate than someone with a large down payment.

Now the interest rates on these bad credit loans are usually arranged with larger than market rate interest rates because of the risk you may present to the lender.

Both of these scenarios are likely to reslit in a larger mortgage payment than the one you have currently, even if you are able to lower your interest rate.

Remember to try to negotiate rates - my husband and I are grad students, and we were just able to have his Capital One No Hassle card lowered to 4.9 % interest (WOW) and a credit limit larger than three months of our income.

Companies for debt consolidation offer better interest rates with most creditors than the average consumer, enabling large reduction of payments through lowering or even elimination of interest charges from your credit.

Your monthly mortgage payment might be larger than your other loan payments, but, the interest payment is smaller in proportion because of the lower interest rates.

Interest rates in these countries are at least 4 % higher than in the U.S. or Europe and the credit quality of most of these countries is investment grade, plus the holdings of the larger ETFs are so widely distributed that unless one had a major financial crisis, similar to the Asian crisis in 1995 or the financial meltdown in 2008, one's investment should weather most isolated storms.

Lenders providing bad credit mortgages will charge larger interest rates than banks since a bad credit mortgage is a risky investment.

Finally, to avoid committing all your funds when interest rates (and annuity payments) are at or near a low point, consider investing smaller amounts over the course of a few years rather than one large sum all at once.

On the other end of the spectrum are installment loans, which are typically for larger amounts that can be paid off over a lengthier period of time, and carry more favorable interest rates than their short - term counterparts.

In fact, macroeconomic data tend to have a larger influence on stock market prices over the long run than interest rates, as empirical evidence shows.

With interest rates nearly zero at present, people are directly and indirectly holding much larger amounts of base money, currently slightly more than 13 cents for every dollar of GDP.

The Orange Savings Account is considered one of the best high interest savings accounts out there with a current interest rate of.90 % APY — still low but relatively higher than the interest offered in many larger banks.

A bad credit score makes life more expensive because it means you'll get higher interest rates on loans and credit, and may have to have a larger down payment for purchases than you would otherwise be required to have.

Primarily this is to make paying back their loans less complicated because managing one larger student loan is, obviously, easier than managing eight or ten smaller loans, each with their own payment, interest rates, etc..

They allow some buyers to afford dream or luxury homes with larger, often non-conforming, mortgages at slightly higher interest rates than conventional loans.

That suggestion comes on the heels of a recently released report that showed the average UK student will soon owe more than # 50,000 in student loan debt, in large part due to the high interest rate.

Big banks can offer more competitive interest rates and often work with a larger network of car dealers than smaller outfits.

Although the interest rate on home loans may be lower, the length of time the mortgage is outstanding has a much larger effect than you may realize.

At first glance, PNC's mortgages offer considerably lower interest rates than you'll find at larger banks such as Bank of America or Wells Fargo.