Sentences with phrase «lower than standard rating»

If you have been hospitalized you can still get approved, but you will get lower than standard rating — which is considered a «rated» policy.

Not exact matches

Our survey determined that demand for customization falls off precipitously if consumers think they could be stuck with something they don't like — even though early adopters of product customization have found that return rates are lower than for standard products.

While Quicken won't really save you any money with a lower mortgage rate or fewer closing costs, the convenience of its online tools ensure that most borrowers will have an easier time navigating their applications than they would with a standard bank.

That's about $ 4,000 in annual mortgage interest at today's low rates, and far less than their standard deduction as a married couple.

World growth will remain low on average but negative in the UK and Europe; price inflation will remain sufficiently subdued for a while longer so as to impose no constraint on monetary expansion; central banks will sustain a regime of negative real interest rates and rapid monetary expansion; the risk of a eurozone collapse is off the table for now; finally, stock markets should continue to perform better than expected, even though the four - year old cyclical bull market is long by historical standards.

However, the permanent rate on the EarnMore Account falls to 1.00 % after the first year, slightly lower than the standard 1.25 % APY at Bank of Internet USA.

For example, the plan proposed lowering tax rates, increasing the standard deduction, limiting itemized deductions other than charity, limiting maximum charitable deductions annually to 40 percent of adjusted gross income, and allowing charitable deductions only above a floor of 2 percent of adjusted gross income.

We also compared the lowest rates available among online lenders, many of which are direct lenders rather than standard retail banks.

Property tax rates in Kanawha County are higher than the state average, though still low by national standards.

One of the advantages to this kind of mortgage is that the initial interest rate is generally lower with a 5/1 ARM than a standard fixed - rate mortgage.

One bank has introduced a small business loan secured by commercial property, reducing the interest rate at which such a loan would previously have been available from this bank, while another introduced a «basic» residentially secured term loan for small business at 6.35 per cent, 40 basis points lower than that bank's standard residentially secured term loan.

In addition to loose underwriting standards, FHA mortgage rates are lower than comparable conventional rates; and FHA loans can be assumed by a home's subsequent buyer.

NEW YORK (AP)-- Standard & Poor's Ratings Services lowered its rating on Target Corp. following weaker - than - expected fourth - quarter results that were dragged down by a massive data breach and a disappointing foray into Canada.

Additionally, stocking rates for organic animals are much lower than conventional standards and take into account the condition of the land.

Flint and colleagues suggested that when midwives get to know the women for whom they provide care, interventions are minimised.22 The Albany midwifery practice, with an unselected population, has a rate for normal vaginal births of 77 %, with 35 % of women having a home birth.23 A review of care for women at low risk of complications has shown that continuity of midwifery care is generally associated with lower intervention rates than standard maternity care.24 Variation in normal birth rates between services (62 % -80 %), however, seems to be greater than outcome differences between «high continuity» and «traditional care» groups at the same unit.25 26 27 Use of epidural analgesia, for example, varies widely between Queen Charlotte's Hospital, London, and the North Staffordshire NHS Trust.

Urinary As concentrations in our infants were an order of magnitude lower than the median 35 µg / L of As in a Bangladeshi population exposed to high drinking water As levels (median, 80 µg / L).28, 47 This was expected given the high rate of breastfeeding in our populations29 and the lower proportion of households with tap water As concentrations above the US Environmental Protection Agency standard of 10 µg / L (12.5 % in our study).

Something tells me that George Osborne today is not receiving as many similar offers — although personal tax rates today are much lower than in the Healey years, when the standard rate of income tax rose from 33 % to 35 %, falling back to 33 % in what was supposed to be the election - winning Budget of 1978.

Governor Andrew Cuomo and lawmakers should consider lowering the stakes in order to account for the flawed rollout of the Common Core standards in New York, rather than removing the test scores from the ratings altogether, King said.

Tim Woodcock The co-founder of HomeEdison noted the Renewable Energy (RE) sector's ability to deliver alternative energy at substantially lower costs than standard utility rates; the importance of building a two - way energy supply infrastructure in order to allow homeowners and business to sell the excess energy their alternative installations generate back to the utility company; and the applicability of geothermal systems in much of our region.

Although, by international standards, the UK has very low rates of deaths in children, the figures show that within western Europe, the UK has a higher rate of deaths in children than nearly every other country in the region.

You've got patients reading all kinds of bias information on the internet & essentially risking their own lives, when they have qualified doctors who could be helping these patients test the treatments more safely & then use any beneficial treatments to help other patients, but it seems most doctors are more afraid of risking their own careers than actually helping patients, so they just prescribe the «Standard of Care» treatments, which we all know has a very low survival rate.

The results, which showed far lower rates of proficiency than the prior test, which was tied to the previous state standards, provoked an outcry from teachers and parents, who complained that schools and students had not been adequately prepared for it.

Writing about Illinois» newly approved NCLB waiver, it breathlessly reported that, «Under a dramatic new approach to rating public schools, Illinois students of different backgrounds no longer will be held to the same standards — with Latinos and blacks, low - income children and other groups having lower targets than whites for passing state exams, the Tribune has found.»

Then we will see real quick who will stay the course and apply these higher standards and have lower graduation rates than the phony ones we have today.»

The fact that Milwaukee voucher students advanced through their college years at better rates than the comparison group indicates that their higher high - school graduation rate was not driven by possibly - lower diploma standards in the private - school sector.

As we have seen in New York, lower rates of student proficiency than parents and educators were used to seeing under the former state standards can sometimes produce political blowback.

Cynthia Lim, Executive Director of the Office of Data and Accountabilty for LA Unified, sent a letter to the school board and Superintendent Ramon Cortines last week, warning that the «percentage of students who will have «met or exceeded standards» on the new tests will be lower than the proficiency rates we have seen with the old California Standards Tests.»

But what ultimately resulted in New Living Word's expulsion from the voucher program was not its low academic standards; rather, it was found to be charging voucher students higher tuition rates than students paying their own way — which is prohibited under Louisiana's law (nothing in the North Carolina statute specifically addresses this potential consequence).

Americans believe the most important national education program should be improving the quality of teaching, which they rate significantly higher than developing better standards, creating better tests, and improving the country's lowest - performing schools.

New federally - compiled graduation rates for 47 states and the District of Columbia left many states reeling this week as more rigorous and uniform standards highlighted wide achievement gaps and lower numbers than previously reported.

Titan's payload and towing ability should be more than adequate for most half - ton needs — the integrated trailer brake controller is not available on low trims and a standard 200 - amp alternator will have no trouble powering three axles of brakes, but most GM and higher - rated F - 150s exceed load and towing range.

The ride height of the V12 Vantage has also been lowered by 15 mm, while the spring rates have been stiffened by 45 % and the anti-roll bars are 15 % (front) and 75 % (rear) stiffer than the standard car.

Despite its turbocharged pedigree the new model earns a 3 - star rating for emissions that are 50 % lower than the requirements of the Japanese 2005 standards.

VOICE - ACTIVATED TOUCH - SCREEN NAVIGATION SYSTEM - inc: pinch - to - zoom capability, SiriusXM Traffic and Travel Link w / a 5 - year prepaid subscription, SiriusXM audio and data services each require a subscription sold separately, or as a package, by SiriusXM Radio Inc, If you decide to continue service after your trial, the subscription plan you choose will automatically renew thereafter and you will be charged according to your chosen payment method at then - current rates, Fees and taxes apply, To cancel you must call SiriusXM at 1-866-635-2349, See SiriusXM Customer Agreement for complete terms at www.siriusxm.com, All fees and programming subject to change, Sirius, XM and all related marks and logos are trademarks of Sirius XM Radio Inc, SAFE & SMART PACKAGE - inc: Adaptive Cruise Control, Blind Spot Info System w / Cross-Traffic Alert, Pre-Collision Assist w / Pedestrian Detection, automatic emergency braking and forward collision warning w / brake support, Memory Driver Seat, Mirrors & Ambient Lighting, 3 settings, Lane Keeping Alert, Automatic High Beam, Rain - Sensing Windshield Wipers, RADIO: SHAKER PRO AUDIO SYSTEM - inc: 12 - speakers and subwoofer in trunk, HD Radio, MAGNERIDE DAMPING SYSTEM, FRONT LICENSE PLATE BRACKET - inc: Standard in states where required by law, EQUIPMENT GROUP 200A, ENHANCED SECURITY PACKAGE - inc: electronic - locking center console and electronic steering column lock, Active Anti-Theft System, Wheel Locking Kit, ECOBOOST PERFORMANCE PACKAGE - inc: black painted strut tower brace, performance rear wing, unique chassis tuning, unique electronic power assisted steering, unique anti-lock brakes, stability control tuning and upsized rear sway bar, Larger Brake Rotors, 4 - piston fixed calipers, Engine Spun Aluminum Instrument Panel, Gauge Pack (Oil Pressure and Boost), Wheels: 19» x 9» Ebony Black - Painted Aluminum Low gloss, 3.55 TORSEN Limited Slip Rear Axle, HD Front Springs, Larger Radiator, Tires: P255 / 40R19 Summer - Only Designed to optimize driving dynamics and provide superior performance on wet and dry roads, High performance summer tires wear faster than non-performance tires, Ford does not recommend using summer tires when temperatures drop to approximately 45 deg F (7 deg C) or below or in snow / ice conditions, CARBON SPORT INTERIOR PACKAGE - inc: Alcantara door inserts, Alcantara seat inserts, carbon fiber instrument panel and carbon fiber shift knob, Wireless Streaming.

In order to determine average city and highway fuel economy estimates, EPA previously used tests carried out under standard conditions of 75 degrees Fahrenheit and only included maximum acceleration rates and driving speeds significantly lower than those attained by actual drivers.

While the number that believe ebooks are held to a lower standard than print actually increased over 2014 (12.8 percent versus 9.8 percent), that might be because the bar is rising, and most respondents believe that the quality of digital publishing continues to improve, with 52.5 percent rating most eBooks as either good or excellent compared to 46.5 in 2014.

However, the death benefit payable shall never be lower than 105 % of all premiums paid (excluding any additional charges as levied by the Company over and above the standard premium rates).

Lower interest rates and faster approval times are available to people who have excellent credit scores or at least a score higher than the lenders» standards.

It provides lower initial payments and a stable final monthly rate, but the final rate may be somewhat higher than on a standard fixed rate mortgage.

Peer - to - peer lending standards are significantly more lenient than banks», and these loans» interest rates are usually lower than those offered by traditional lenders, but the rates will likely exceed those on high - yield savings accounts, so you stand to make a much higher return with peer - to - peer lending.

The three events combined, higher rates giving borrowers lower benefits on any reverse mortgage that they may seek; an existing HELOC that enters a reset and repayment period (also at a probable higher than current rate) and the fact that replacement HELOCs are more difficult to obtain with current underwriting standards could wreak havoc on unprepared borrowers» finances.

A low - interest personal loan is a type of collateral - free loan that the lender extends to the borrower at a lower interest rate than a standard personal loan.

You need to take a home buyer education class, but you'll be rewarded with lower interest rates, and lower mortgage insurance than the standard 3 % down conventional loan.

They come with lower mortgage rates than a comparable conventional loan, and their approval standards are more forgiving as compared to other loan types.

While Quicken won't really save you any money with a lower mortgage rate or fewer closing costs, the convenience of its online tools ensure that most borrowers will have an easier time navigating their applications than they would with a standard bank.

The United States relied on the gold standard and raised inflation, rather than lowering rates to ease the burden of inflation.

In today's low - interest environment, it's unusual to see major banks offer annual rates higher than 0.01 % on their standard savings accounts.

Low rates: if you have at least 5 % down and qualified credit, Northpointe Bank's Conforming Advantage program offers a lower rate than our standard conforming programs.

But the point is this: If returns do come in lower than in the past — which seems likely given the current low level of interest rates — the more you stick to low - cost index funds and ETFs, the better the shot that you'll have at accumulating the savings you'll need to maintain your standard of living in retirement, and the more likely your savings will last at least as long as you do.

Usually it's a combination of the two ** We will likely see a bucking of the trend of increased delinquencies in subprime auto ABS pools; tightening of underwriting standards will help auto lenders keep their funding costs lower * If there's a large macro event or shock, such as unemployment rates rising, there will actually be a much bigger impact to prime auto bonds rather than subprime.