Sentences with phrase «level term rate»

See, sample 10 - year level term rate chart to get a rough idea of what a basic policy will cost.

In the above example, even with the AICPA premium reimbursement, the monthly cost for the AICPA life insurance program exceeds the 10 - year level term rates at the preferred plus health class by $ 38 per month or 77 %.

Not exact matches

Private equity returns remained strong but were lower than the prior year quarter, while income from our fixed income investment portfolio increased due to a higher average level of fixed maturity investments and higher short - term interest rates.

In the category of communications policy, we also extended our estimate of how long we expect to keep the short - term interest rate at exceptionally low levels to at least mid-2015.

In other words, would pushing the short - term interest rate down to 0 percent, from the current rate of 0.16 percent, propel the GDP growth and inflation to such permanently higher levels?

«Even during the Great Depression of the 1930s, policy rates and longer - term rates in the most affected countries (like the U.S.) were never reduced to such low levels,» wrote William White, chairman of the Economic Development and Review Committee at the OECD in Paris, in a recent paper.

Such risks, uncertainties and other factors include, without limitation: (1) the effect of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels of end market demand in construction and in both the commercial and defense segments of the aerospace industry, levels of air travel, financial condition of commercial airlines, the impact of weather conditions and natural disasters and the financial condition of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among other things integration of acquired businesses into United Technologies» existing businesses and realization of synergies and opportunities for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the level of other investing activities and uses of cash, including in connection with the proposed acquisition of Rockwell; (7) delays and disruption in delivery of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits of organizational changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and industries; (12) the outcome of legal proceedings, investigations and other contingencies; (13) pension plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of changes in political conditions in the U.S. and other countries in which United Technologies and Rockwell Collins operate, including the effect of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.

The Fed ended its latest policy meeting by leaving its key short - term rate unchanged at 1.5 percent to 1.75 percent, the level it set in March after its sixth rate increase...

«While rising long - term rates will ultimately become a negative for profits and multiples, we do not see current levels as a reason to de-risk and sell equities,» J. P. Morgan's Dubravko Lakos - Bujas says.

«While rising long - term rates will ultimately become a negative for profits and multiples, we do not see current levels as a reason to de-risk and sell equities,» Dubravko Lakos - Bujas, head of U.S. equity strategy at J.P. Morgan, said in a note Wednesday.

The MPC launched the Term Funding Scheme to make sure that the lower levels of interest rates now set by the Bank of England are reflected in the costs commercial banks charge households and companies to borrow funds.

The hikes ultimately will return the central bank's key short - term rate, called the federal funds rate, to about 4 percent over the next two years, which economists generally consider more a sustainable level.

«This positive relationship suggests that, on average, speeches preceding the meeting that carry a more hawkish sentiment are associated with a higher projected level for the policy rate in the medium term.»

Fixed interest rates range from 5.25 % -11.99 % (5.25 % — 11.90 % APR) based on applicable terms, level of degree earned and presence of a co-signer.

Variable interest rates range from 3.80 % -11.90 % (3.80 % -11.80 % APR) and will fluctuate over the term of the loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer.

The presentation suggested that such a facility would allow the Committee to offer an overnight, risk - free instrument directly to a relatively wide range of market participants, perhaps complementing the payment of interest on excess reserves held by banks and thereby improving the Committee's ability to keep short - term market rates at levels that it deems appropriate to achieve its macroeconomic objectives.

The Fed left its key short - term rate at 1.5 per cent to 1.75 per cent — the level it set in March after its sixth increase since December 2015 — as it gradually tightens credit to control inflation against the backdrop of a tight labour market and a pickup in consumer prices.

Lowest rates shown require application with a cosigner, are for eligible, creditworthy applicants with a graduate level degree, require a 5 - year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures.

The key long - term U.S. mortgage rate declined slightly this week, after a steady rise for most of April that pushed the rate to its highest level in...

Variable interest rates range from 2.90 % -8.00 % (2.90 % -8.00 % APR) and will fluctuate over the term of the borrower's loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer.

The interest rate is capped at a certain level specified in the loan's terms, however.

Historical experience does not suggest that bubbles are very sensitive to the level of short - term interest rates.

With the U.S. economy having grown at only a 2.1 percent annual rate over the past seven years, it has become harder to sustain the view that the neutral real short - term interest rate is close to, or will soon be close to, its historical level of around 2 percent.

The level of short - and long - term rates, credit spreads, and equity prices are also important components of the financial conditions that we closely monitor.

In the U.S., the level of trading activity in Eurodollar futures, the main benchmark for short - term rates, did not increase, but the mid-curve options on Eurodollar futures did.

At 4.4 percent, the rate is now lower than the level the Federal Reserve targeted for the long term.

So while there could be one or even five year periods where longer maturity bonds perform fairly well from these yield levels, over the long - term they're likely to be a poor investment in terms of earning a decent return over the rate of inflation.

Economic growth has been falling since 2010 and the economy has been operating below its potential since then; employment growth, particularly full time employment growth has struggled; in 2014 only 121,000 jobs were created; employment growth has not kept up with population growth; labor force participation has declined to its lowest level since 2000; long - term unemployment has increased; the unemployment rate remains stuck at just under 7 per cent, and youth unemployment is at 14 per cent; business investment has stagnated; and Canadians are losing confidence in their economic future.

Micro-loans are administered by the community lending institutions, so unlike the standardized terms and requirements of a 7 (a) loan, eligibility requirements, terms, and interest rates are determined at the local level.

Funds can also have different levels of interest rate sensitivity depending on whether they focus their investments on short, intermediate, or long - term bonds.

However, the leveling out of long - term rates and slower pace of withdrawals since then suggests that the market has «digested» the news from the Fed, and is settling into a more moderate pattern.

Withdrawals from bond funds accelerated after the rate hikes, hitting record levels (in dollar terms) for the week ending June 26.

Long bonds will end up being a very volatile investment at some point once rates or inflation rise from current levels, but intermediate - term bonds should continue to dampen stock market volatility.

For much of the past two years, the discounts offered by automakers have remained at levels that industry analysts say are unsustainable and unhealthy in the long term... Sales are expected to drop further in 2018 as interest rates rise and more late - model used cars return to dealer lots to compete with new ones.

Agreements like CPTPP, which have the ability to level the playing field in terms of tariff rates and quotas, are very important to us,» says Ron Glaser, vice-president of corporate affairs at Canada Beef.

It is worth noting that the interest rate is capped at a certain level in the terms, which means you do know what you are getting into when you choose an ARM.

Real short term rates have now declined to negative levels on this basis;

Over the long run, considering the long - term growth of the U.S. economy, it would be wise to expect interest rates to normalize at higher levels than they are now, which benefits B of A.

The Fed on Wednesday left its key short - term rate at 1.5 percent to 1.75 percent, the level it set in March after its sixth increase...

To sum up, once interest rates reach very low levels, the central bank still has meaningful tools that it can deploy in its pursuit of its inflation target: offering forward guidance to financial markets to enhance policy effectiveness, large - scale asset purchases, funding for credit, and pushing short - term interest rates below zero.

Also, when the Fed sells long - term assets, there is some prospect for losses on these sales depending on the level of long - term interest rates at the time when such sales occur.

Put simply, even taking account of current interest rate levels, and even assuming that stocks should be priced to deliver commensurately lower long - term returns, we currently estimate that the S&P 500 is about 2.8 times the level at which equities would provide an appropriate risk premium relative to bonds.

What I expected, Oro, is that average growth rates during Xi's 2012 - 2022 term would not exceed 3 - 3.5 %, and that the only thing that would keep it up above those levels would be an acceleration of credit growth to unsustainable levels.

Critics of investing in individual stocks in an IRA point to the fact that capital gains tax (currently 15 % -20 %) is likely lower than your income tax level (20 - 40 %), so you lose that long term capital gains tax advantage in an IRA since you get taxed at your income rate.

And that non-resource export growth is much more a function of U.S. demand than it is the level of the currency to begin with, so I'm doubtful there's a huge incremental positive boost related to the terms of trade and concurrent exchange rate decline.

The lower levels of concern around short - term fluctuations in portfolio values may also reflect a growing sense of realism amongst investors and the fact that they are starting to swallow the pill of lower returns in this low - interest - rate environment,» he added.

We allow that short - term interest rates may be pegged well below historical norms for several more years, and we know that for every year that short - term interest rates are held at zero (rather than a historically normal level of 4 %), one can «justify» equity valuations about 4 % above historical norms — a premium that removes that same 4 % from prospective future stock returns.

We have already seen significant flows of global assets into US Treasuries this year, and in doing so, the level of long - term interest rates is being held down.

Yet despite the most extreme version of these assurances in Japan, where the Bank of Japan has driven long - term interest rates to negative levels and has purchased stocks outright, the Nikkei 225 index is no higher than it was in November 2014.

Mortgage rates will inch upward during 2017, but will stay at their historically low levels in the short term.