Sentences with phrase «lower than the federal one»

The one positive is state rates are generally lower than your federal taxes.

All available rates and fees are lower than the Federal Direct PLUS Loan, and are based on one of three repayment options you can choose from to meet your needs.

Private student loan interest rates can be lower than federal rates, but approval for the lowest rates requires excellent credit.

Moreover, it is clear that the vast majority of states have set their academic achievement bar far lower than federal standards, as measured by the National Assessment of Educational Progress (NAEP).

The VSAC Advantage loan is a private loan with competitive interest rates, which are often lower than the federal PLUS loan interest rate.

States and cities that impose income taxes typically have their own brackets, with rates that are usually lower than the federal government's.

Variable rates on private student loans can sometimes be lower than federal rates, but they don't always stay low.

Fixed interest rate loans may be lower than federal student loan interest rates for the most qualified borrowers, but they are often higher for borrowers with less than perfect credit.

All available rates and fees are lower than the Federal Direct PLUS Loan, and are based on one of three repayment options you can choose from to meet your needs.

Many of these taxes kick in at levels lower than the federal threshold.

Variable interest rate can be lower than federal student loan rates, but over time, they may increase as broad interest rates rise.

The Food and Drug Administration, noting that the detected concentrations were dozens of times lower than federal limits, strongly disagreed.

Once again, if life insurance is included in the gross estate, it will be subject to taxes at the state level and the exemptions for state taxes are much lower than the federal exemptions.

Not exact matches

In a client note on Thursday titled «Yanking down the yields,» the interest - rates strategist projected that bond yields would be much lower than the markets expected because central banks including the Federal Reserve were reluctant to raise interest rates.

The federal government is also adding restrictions on when it will insure low - ratio mortgages, stipulating that such loans must have an amortization period of less than 25 years and that the property must be owner - occupied, among other criteria.

Medicaid, the federal - state program for the poor, pays far lower prices than Medicare.

I knew the basics — federal loans are usually a cheaper and safer option than private ones since they tend to have lower interest rates and better borrower protections.

As of now, federal spending for fiscal year 2014 is capped by law at $ 967 billion, even lower than the post-fiscal-cliff $ 984 billion of 2013.

They have relatively low default rates and terms that are often better than traditional banks, according to the NCUA and Federal Deposit Insurance Corp. (FDIC).

That's likely part of the reason that enrollment dropped, as Americans making more than 400 % of the Federal Poverty Level (about $ 48,000 for an individual or $ 98,000 for a family of four) wouldn't be shielded from those rising premiums because they don't qualify for federal subsidies that lower - income citizFederal Poverty Level (about $ 48,000 for an individual or $ 98,000 for a family of four) wouldn't be shielded from those rising premiums because they don't qualify for federal subsidies that lower - income citizfederal subsidies that lower - income citizens do.

Under federal wage law, employers who pay the tipped minimum wage, which is lower than the standard minimum wage of $ 7.25 per hour, can't pool and share tips with non-tipped workers.

Federal taxes, as a portion of the economy, are lower than they have been for half a century.

These risks and uncertainties include: Gilead's ability to achieve its anticipated full year 2018 financial results; Gilead's ability to sustain growth in revenues for its antiviral and other programs; the risk that private and public payers may be reluctant to provide, or continue to provide, coverage or reimbursement for new products, including Vosevi, Yescarta, Epclusa, Harvoni, Genvoya, Odefsey, Descovy, Biktarvy and Vemlidy ®; austerity measures in European countries that may increase the amount of discount required on Gilead's products; an increase in discounts, chargebacks and rebates due to ongoing contracts and future negotiations with commercial and government payers; a larger than anticipated shift in payer mix to more highly discounted payer segments and geographic regions and decreases in treatment duration; availability of funding for state AIDS Drug Assistance Programs (ADAPs); continued fluctuations in ADAP purchases driven by federal and state grant cycles which may not mirror patient demand and may cause fluctuations in Gilead's earnings; market share and price erosion caused by the introduction of generic versions of Viread and Truvada, an uncertain global macroeconomic environment; and potential amendments to the Affordable Care Act or other government action that could have the effect of lowering prices or reducing the number of insured patients; the possibility of unfavorable results from clinical trials involving investigational compounds; Gilead's ability to initiate clinical trials in its currently anticipated timeframes; the levels of inventory held by wholesalers and retailers which may cause fluctuations in Gilead's earnings; Kite's ability to develop and commercialize cell therapies utilizing the zinc finger nuclease technology platform and realize the benefits of the Sangamo partnership; Gilead's ability to submit new drug applications for new product candidates in the timelines currently anticipated; Gilead's ability to receive regulatory approvals in a timely manner or at all, for new and current products, including Biktarvy; Gilead's ability to successfully commercialize its products, including Biktarvy; the risk that physicians and patients may not see advantages of these products over other therapies and may therefore be reluctant to prescribe the products; Gilead's ability to successfully develop its hematology / oncology and inflammation / respiratory programs; safety and efficacy data from clinical studies may not warrant further development of Gilead's product candidates, including GS - 9620 and Yescarta in combination with Pfizer's utomilumab; Gilead's ability to pay dividends or complete its share repurchase program due to changes in its stock price, corporate or other market conditions; fluctuations in the foreign exchange rate of the U.S. dollar that may cause an unfavorable foreign currency exchange impact on Gilead's future revenues and pre-tax earnings; and other risks identified from time to time in Gilead's reports filed with the U.S. Securities and Exchange Commission (the SEC).

Federal income taxes paid also are lower in Michigan than in a majority of states because of the low median household income here.

The total tax burden paid in Maine is lower than in half of the states because federal income taxes paid are low as a result of the state's low median household income.

Due to the benefits that federal student loans come with and the lower than average interest rates, many experts recommend consolidating federal and private student loans separately.

debt obligations of the U.S. government that are issued at various intervals and with various maturities; revenue from these bonds is used to raise capital and / or refund outstanding debt; since Treasury securities are backed by the full faith and credit of the U.S. government, they are generally considered to be free from credit risk and thus typically carry lower yields than other securities; the interest paid by Treasuries is exempt from state and local tax, but is subject to federal taxes and may be subject to the federal Alternative Minimum Tax (AMT); U.S. Treasury securities include Treasury bills, Treasury notes, Treasury bonds, zero - coupon bonds, Treasury Inflation Protected Securities (TIPS), and Treasury Auctions

Despite the fact that economic growth for this year is now forecast to be substantially lower than that expected at the time of the April Budget, Mr. Oliver is still confident that the federal government will record a surplus in 2015 - 16.

The fact that program expenses, and in particular direct program expenses, were lower than expected should not have come as a surprise to anyone who follows federal financial affairs.

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

While federal student loans can have an average student loan interest rate that is lower than private student loans, that is not always the case.

In addition, PBO's forecast for nominal gross domestic product (GDP)-- the broadest measure of the federal tax base - is considerably lower than the average of the private sector economists» forecasts released by the Minister of Finance on October 29, 2012.

While it's possible to get low rates with a private lender — perhaps better rates than what you would get with federal loans — it's important to realize that the low advertised rate isn't guaranteed.

The federal government can borrow at a much lower interest rate than the other jurisdictions, given its strong credit position.

The combined federal - provincial tax rate for small businesses in B.C. will remain at 13 per cent for 2016, which is reasonable when compared to other jurisdictions (and lower than all other Canadian provinces except Manitoba and Saskatchewan).

The Federal Reserve has limited options, other than to keep interest rates low and money supply plentiful.

More than 80 percent of the island is still without electricity, there's a daily shortage of 1.8 million meals, and hospitals are running low on medication, according to the Federal Emergency Management Agency.

According to Sofi, «Alumni earn a compelling double bottom line return, students receive a lower loan rate than their private or federal options, and both sides benefit from the connections formed.»

According to opinion surveys, no institution save the Internal Revenue Service is held in lower regard than the Federal Reserve.

President Obama has been touting the Buffett Rule, which proposes that millionaires and billionaires like Buffett shouldn't pay a lower percentage of their income in federal taxes than middle - class households.

For the first four months of fiscal year 2012 - 13 (April to July), the federal government posted a deficit of $ 3.0 billion, $ 2.9 billion lower than the $ 5.9 billion reported in the same period in 2011 - 12.

It should not have come to anyone's surprise that the announcement by the Prime Minister that the federal deficit for 2013 - 14 was $ 5.2 billion, substantially lower than the $ 16.6 billion forecast in the February 2014 budget.

That view gained momentum in late February when the benchmark yield climbed past 2.9 % — more than twice its historic lows in July 2016 — following a Congressional question - and - answer session with the new Federal Reserve Chairman Jerome Powell.

The idea that real interest rates — that is, adjusted for inflation — will be lower than they have been historically is reflected in the pronouncements of policymakers such as Federal Reserve chair Janet Yellen, the medium - term forecasts of official agencies such as the Congressional Budget Office and the International Monetary Fund and the pricing of government bonds whose payments are tied to inflation.

In November 2013, Desert Newco refinanced the term loan, lowering the interest rates to either (a) LIBOR (not less than 1.0 %) plus 3.0 % per annum or (b) 2.0 % per annum plus the highest of (i) the federal funds rate plus 0.5 %, (ii) the prime rate, or (iii) one month LIBOR plus 1.0 %, with step - downs of up to 0.25 % depending on Desert Newco's credit ratings.

Most low - income households do not pay federal income taxes, typically because their incomes are lower than the combination of their allowed standard deduction and their personal and dependent exemptions, or because they receive substantial rebates via refundable tax credits.

Rockefeller calculated that New York made payments of $ 12,820 per capita, or $ 3,401 higher than the national average, while federal spending in New York was $ 10,395 per capita, $ 329 lower than the U.S. average.

If I live in a high tax state and you live in a low tax state, you actually pay more towards the federal government than I do.

So he's saying that a high - tax state benefits more from this provision than a low - tax state, and in effect gets more back from the federal government than low - tax states.

The issue figures to feature prominently in the next federal election, with Liberal Leader Stà © phane Dion arguing the benefits of a carbon tax, while NDP Leader Jack Layton makes the case that cap - and - trade would do a better job of putting the costs on big polluters rather than on low - income families.