Sentences with phrase «long credit cycle»

Not exact matches

Lastly, Bladex's focus on Latin America augurs well for its long - term prospects, and a likely return to growth in the near future, especially when paired with an emphasis on credit quality that should pay off with reduced downside risk and fewer losses, especially during economic down cycles.

Valuations are the primary driver of long - term returns, and the risk - preferences of investors — as conveyed by the uniformity or divergence of market action across a broad range of individual stocks, industries, sectors and security types (including credit)-- drive returns over shorter portions of the market cycle.

«We're entering year nine of the longest uninterrupted auto credit cycle on record, and auto makers and suppliers will find it hard to push earnings much higher, which will drive them to get creative on expanding the multiple.

The current set of overextended conditions is the most severe variant that we define, and unlike several instances in the half - cycle since 2009, we do not have indications from market action and credit spreads that these extremes are likely to be tolerated for long.

Why else are credit cycles long and benign in the bull phase, and short and sharp in the bear phase?

The long end is controlled by the economy as a whole, and its rate of growth, while lower quality bonds and loans also respond more to where the credit cycle is.

Having said that, the BankAmericard Credit Card for Students does offer 0 % APR for 15 billing cycles — that's more than twice as long as that of the Citi ThankYou Preferred Card for College Students.

6) The credit cycle has gotten long in the tooth, and securities that offer a decent yield versus risks undertaken have become few.

The fund has a wide range of credit oriented securities that it can use on both a long and short basis to generate absolute (positive) returns over full market cycles.

Roger Montgomery writes an article for Nestegg where he discusses that we are closer to the end of a major and long - lived credit cycle than we are to any beginning.

Generally speaking the longer the term of a bond the greater the sensitivity that bond will have to the movement in interest rates, changes in the credit quality of a company or company risks associated with the business cycle of a specific company, sector or economy.

The credit cycle gets long in the tooth, and credit spreads / yields tighten to levels that are far too low for the risk taken on.

The largest factor in most long - term market moves, the credit cycle, is also asymmetric.

Ratings agency opinions are long - term by nature, rating over a full credit cycle.

Valuation is powerful, but takes a long while to act, often waiting for a credit cycle to do its work.

Bull markets have shallower moves and longer duration, the same way that the bull phase of the credit cycle goes.

While there are short term loans available for people who just need a quick fix, long term payday loans and lines of credit are aimed towards consumers who need to have a longer repayment period in order to survive without ending up taking up another loan, and another... This option helps you avoid a cycle of debt over the long term.

«Credit cards are a popular payment tool for Canadians; however, unchecked spending habits can result in getting stuck in continuous monthly debt cycles that can hamper near and long - term financial goals,» said Nick Mastromarco, managing director of North American retail payments at BMO.

The optimal portfolio would be long during the boom phase of the credit cycle, and short during the bust phase.

For the economic model, you need to understand the three main forces that drive most economic activity: 1) trend line productivity growth, 2) the long - term debt cycle and 3) the 5 - 8 business cycle that is driven by the credit cycle.

The credit cycle tends to be like this: in the bull phase, a long period (4 - 7 years) with few defaults and low loss severity followed by a bear phase, a shorter period (1 - 3 years) with high defaults and high loss severity.

Not all loans have a set maturity date, such as lines of credit, but having a set date can help you plan your repayment accordingly and not get lost in a longer cycle of debt.

If you stop checking your credit card statements — because you're under the impression that you no longer owe the credit card issuer — and miss a payment, then you'll not only be punished by late fees and damages to your credit, but will also lose your eligibility for a grace period on the following billing cycle.

This minimum payment cycle ensures the credit card companies that it will take you a long time to pay off the debt and gives the credit card companies a hefty return in interest.

The BankAmericard ® Credit Card offers 0 % intro APR on balance transfers for 15 billing cycles, one of the longest introductory periods currently offered by credit Credit Card offers 0 % intro APR on balance transfers for 15 billing cycles, one of the longest introductory periods currently offered by credit credit cards.

Several expenditures caused us to hit our credit limit long before the billing cycle ended.

So long as you leave your account open, paying off your credit card is pretty much always a good idea, particularly if you can do so within the card's grace period (i.e., before the due date of your current billing cycle) to avoid paying interest.

The BankAmericard ® Credit Card offers 0 % intro APR on balance transfers for 15 billing cycles, one of the longest introductory periods currently offered by credit Credit Card offers 0 % intro APR on balance transfers for 15 billing cycles, one of the longest introductory periods currently offered by credit credit cards.

BankAmericard ® credit card offers a long introductory interest rate period for balance transfers (0 % intro APR for 15 billing cycles for purchases and any balance transfers made in the first 60 days with 13.49 % - 23.49 % variable APR thereafter), which makes this card ideal for you if you're planning on transferring an existing card balance to this card and repaying it within the interest - free period so that you don't have to pay any interest.

Since the card earns 3X at U.S. grocery stores up to $ 6000 in purchases per calendar year, this is a way to earn 4.5 X per dollar spent on groceries, as long as you make at least 30 transactions per billing cycle — not that hard in a place such as NYC, where you can use a credit card for just about any small purchase, whether an apple at Whole Foods or refilling your MTA metro card.

Several clients were on the radar, each having contacted me a number of times (wedding art having a rather long sales cycle), but nobody was handing over their damned credit card, and I was getting increasingly panicky.

There are many other variations, including what time of year the billing cycle ends, how much net metered customers are compensated for their excess energy, and how long credits can carry over (some utilities allow credits to roll forward indefinitely).

Credit card interest behaves the same way it does for a mortgage, a car loan, or a student loan: it accrues and compounds on top of itself each billing cycle, and the longer you leave it unpaid, the more interest builds, and the harder it becomes to pay it all off.