Sentences with phrase «longer than the term»

You want to turn a 15 - year mortgage into a 30 - year - This may be surprising, but when you refinance with an IRRRL the resulting term can only be 10 years longer than the term of the original loan, so a 15 - year mortgage could, at most, be turned into a 25 - year mortgage.

The Bay Area is uniquely positioned to have a strong voice in this debate: The Bay Area's art community has been doing «social practice» art longer than the term's been in existence.

Return of premium term life insurance (ROP) is a type of life insurance policy that offers a guaranteed refund of the life insurance premiums if you live longer than the term period.

Phoenix life provides permanent life insurance protection that will protect homeowners longer than their term products.

Farmers Life Insurance offers universal coverage, which is a more permanent yet flexible type of life insurance for those who need something a bit longer than term may offer.

However, some people may need coverage longer than the term they purchase.

BOTTOM LINE: If you need less life insurance than you're currently paying for, or have suffered health issues and will need coverage longer than your term policy will provide, call your agent or insurance carrier and ask them to explain your options and your GUL option date.

If you survive longer than the term of your policy, your beneficiaries will not receive a payout.

It happens that a term policy can not be renewed or extended, the policy will expire if the policyholder lives longer than the terms of the policy and there will be no benefits paid.

Not exact matches

Indeed, the TLT long - dated Treasury ETF is up more than 40 percent in the last 10 years, meanwhile the Emerging Markets ETF, the EEM, is outperforming the S&P in 2017 but has underperformed over the long term.

Let that money sit for a while, and you'll most likely pay no more than 15 % in taxes on its growth, as the long - term capital gains tax for most people is far lower than taxes on regular income.

«So folks just aren't making individual decisions as much and advisors are more making longer - term sector and strategic investments than saying let's make a play for this one name or the others» earnings,» Tabb Group's Larry Tabb told CNBC.

CHICAGO / SAN FRANCISCO, April 20 - As the gap between short - and long - term borrowing costs hovers near its lowest in more than 10 years, speculation has risen over whether the so - called yield curve is signaling that a recession could be around the corner.

Interest rates on 15 - year mortgage terms are typically lower than those on longer - term loans because the shorter duration of the loan makes it less of a risk to the lender.

In our team's work with creators (bloggers, YouTubers, Instagrammers and the like) we have heard, time and again, that they're eager to establish longer - term relationships with brands, rather than «pay to play» transactional ones.

«Because of our emphasis on the long - term, we may make decisions and weigh tradeoffs differently than some companies... We will continue to make investment decisions in light of long - term market leadership considerations rather than short - term profitability considerations or short - term Wall Street reactions... We aren't so bold as to claim that the above is the «right» investment philosophy, but it's ours, and we would be remiss if we weren't clear in the approach we have taken and will continue to take.»

Rather than think of vacations as time away from responsibilities, think of them as an essential for long - term success.

The reason you're doing the CC» ing is less important than the effect it has on communication — both in the short and long term.

But perhaps what makes Bezos» letter stand out is its brevity (it's much shorter than Buffet's or Dimon's) and consistent focus on long - term values, like keeping a beginner's mindset through what he calls «Day 1» companies.

Kenny G, who has enjoyed a solo career that spans more than 30 years, says musicians entering the industry now should control their expenses and convert their finances into long - term investments.

The income pays for day - to - date expenses, and research has shown that companies with a yield tend to post higher long - term total returns than those without.

Think long term, he advises: «If you don't get retirement fully funded, you're going to be on your kids» payroll for 15 or 20 years,» which could end up being more expensive in the long run than student loans would be.

So there's almost more concern for locking in a long - term rate of income than there is for just maybe catching a higher yield at one point in the cycle in the front end.

Those with assets worth more than $ 50,000 might find that long - term care insurance allows them to afford assisted living or nursing - home care, should they need it.

«It would unfortunately create a situation where we would have some states who are better than others and the long - term viability of a national infrastructure network would be at stake.»

The program itself is also markedly different from the ones typically available through workplace wellness programs and the like; rather than encourage a more or less cold turkey approach, Pivot is a long - term undertaking meant to serve both people immediately ready to quit and those who want to transition more slowly into a smoke - free lifestyle.

«The issue is not that middle - class workers are doomed by automation and technology, but instead that human capital investment must be at the heart of any long - term strategy for producing skills that are complemented by rather than substituted for by technological change.»

A large, long - term study of male smokers found that those who regularly took Vitamin A were more likely to get lung cancer than those who didn't.

Rather than focusing on an early retirement, determine your long - term goals and exactly what you want your future to look like.

Building an alliance with suppliers requires more than agreeing to a long - term contract with stipulations that satisfy both sides.

When InBev asked candidate firms how much extra work they'd be willing to do without compensation and how much longer than the company's already astonishing 120 - day payment terms agencies would be willing to wait for their money, the ad biz was in high dudgeon.

It held more than $ 11 billion in long - term debt on its balance sheet by the end of 2017.

But he points to a report from the Parliamentary Budget Officer released earlier this year showing that, since 2009, the debt service ratio — a measure of income spent to pay debt — has remained steady at around 14 per cent, not much higher than the long - term average.

The first Olympic Champion on Team USA usually gets the most clips played back over the ensuing two weeks, putting them in a better position for endorsement deals and longer - term relevance than anyone on a team sport or who wins closer to the Closing Ceremonies.

Again, it is worth repeating that a long - term relationship is worth far more than a transaction at - hand.

Online lenders may offer flexible loan amounts that are more suited to the needs of startups, rather than the large, long - term loans preferred by banks these days.

He is overseeing the Better Capitalism series in 2018, which is exploring ways companies and individuals are doing more than just chasing quarterly results — and are instead creating sustainable long - term value by considering employees, customers, and communities.

A large 2011 study of close to 39,000 older women over 25 years found that women who took them in the long term actually had a higher overall risk of death than those who did not.

Still, he says bitcoin might best be suited for a long - term buy and hold strategy rather than a form of payment.

That «suggests that a long - term character change could be afoot, which makes me suspicious of anything more than a bounce for now,» he added in comments to CNBC.

Living out in the country, I knew losing power was a possibility back when we moved here, but having never lost power for more than a few minutes to an hour or two, I didn't plan for losing it long term.

Rather than offering a promotion on a wide array of products or services, the paradox of choice suggests that narrowing down to one or two options will be drive more sales in the long - term and decrease return rates.

Paying directors on long - term value could result in some of them making far more than they do now.

They must keep the sparks alive in a long - term relationship rather than focus solely on the short - term, single purchase.

The BOJ currently makes the distinction because buying long - term government bonds for monetary easing could bind its hands on policy for longer than it wants and make a future exit from ultra-loose easing difficult.

But she also stresses creating the environment for long - term economic growth, which is why a significant increase to the capital - gains tax for investments less than six years in duration is at the center of her plan.

There's no longer any question that an education which equips a new graduate with the tools and technologies that it takes to join today's tech - and - data - centric workforce is far more likely to lead to solid earnings and long - term employment in our digital global economy than an expensive, traditional 4 - year program.

Along with Musk, many of the country's top entrepreneurs like Jeff Bezos, Mark Zuckerberg, and Sam Altman are thinking more long - term than ever, not less.

Until that happens, it's more of a short - term trade than a long term investment case,» Tam said.

It buys long - term government bonds, including those with durations longer than three years, in what is dubbed «rinban» market operations.