Sentences with phrase «on fixed incomes because»

Home equity loans are often problematic for seniors on fixed incomes because homeowners are obligated to make monthly payments that their cash flow prohibits.

It is especially important for mature drivers to shop and compare quotes if they live on fixed incomes because insurers can charge a wide range for their coverage.

Not exact matches

The initial interest rate on a floating - rate security may be lower than that of a fixed - rate security of the same maturity because investors expect to receive additional income due to future increases in the floating security's underlying reference rate.

Higher yielding fixed income offers those higher yields because the issuers of the bonds have a better chance of defaulting on their debt.

Floating - rate securities The initial interest rate on a floating - rate security may be lower than that of a fixed - rate security of the same maturity because investors expect to receive additional income due to future increases in the floating security's underlying reference rate.

Housing is becoming increasingly expensive to build due to government fees and regulations on building in most cities, and government programs merely subsidize this process at a cost to the taxpayers; and rent control has been a disaster because that immediately kills off any new construction and reduces the incentive for land owners and landlords to maintain their property because their income is fixed.

Julia Goldsworthy, Liberal Democrat local government spokesperson, said: «Councils are making tough decisions because they recognise that council tax continues to hit those on low and fixed incomes the hardest.

«The emergency benefit component of this program is very important because it prevents the heat from being shut off on the homes of many low - income families and senior citizens on a fixed income.

I look for bargains, because living on a fixed income has made it a priority for us.

An elderly person who is living on a fixed income shops online because it is convenient and pretty safe.

Unfortunately, partly because everyone wants to be in safe investments, that means returns on fixed income investments have sagged.

I prefer the first idea, because it is more conservative, and fixed income management should aim for safety on average.

Traditional lenders may deny credit to individuals because they might be on a lower or fixed income, but LoanMart works to serve those who can not secure loans through traditional lenders.

On surface, this may cause concerns to some investors if the fund is only judged by its return because OAKBX could appear to be lagging S&P 500 Index due to the value approach and the large investment in fixed income equities.

Over two - thirds (68.4 per cent) of the 212 actively managed ETFs worldwide are in fixed income because bond managers are more comfortable than equity managers in providing transparency on their portfolio holdings.

Traditional lenders may turn older and retired individuals away because they might be on a lower or fixed income, but we work to serve those who...

Pape explains this is because most beginner investors tend to take on too much risk and sometimes suffer losses that could have been avoided if that stuck with fixed income investments.

If you've been turned down for a mortgage refinance because you're retired and on a fixed - income, you've probably felt some frustration as you watched your neighbors refinance into the lowest mortgage rates.

So, they've got three or four of them and they're, you know, owing a thousand bucks on each of them, payday loans and short - term loans and they get them because their cash flow just isn't what it needs to be and the payday loan companies are more than happy to loan to someone who has a fixed income.

When you retire your income's going to drop so you don't want to be carrying any additional debt because the debt service costs when you're on a fixed income are not a good thing.

That probably means you'll have to load up on riskier investments like stocks because you'll have trouble matching that return with lower - risk fixed - income investments.

Interest in MICs is on the rise because investors — retail and institutional — are hungry for fixed - income products that offer more than simply keeping up with inflation, and MICs fit the bill.

On the other hand, a borrower who pays a fixed - rate mortgage of 5 percent would benefit from 5 percent inflation, because the real interest rate (the nominal rate minus the inflation rate) would be zero; servicing this debt would be even easier if inflation were higher, as long as the borrower's income keeps up with inflation.

Overview of Bond ETFs While similar to other ETFs, bond ETFs are unique in the world of fixed income because, as they are traded on stock exchanges, the current and historical prices of bond ETFs are available to all investors.

Because you can count on a fixed interest yield as long as you hold the CD until maturity, CDs are a great product for secure wealth preservation and income.

They are called fixed - income securities because the amount of money you receive and the dates on which you receive your payments are specified in advance.

Because of this tax treatment, the yield on municipal investments is generally lower than the yield on other fixed income investments.

I enroll in DRIP's in my RSP because I own large cap stocks that (knock on wood) I will hold for the life of my RSP and I rebalance the cash / fixed income portion to prevent over-weighing.

My own personal student loans are through a different servicer for which I am on an IDRP and it works great because I'm on a fixed - income... just thought I'd add this to my previous comment in case anyone else is in the same boat with FedLoan Servicing.

Treasury bills (T - bills), on the other hand, are considered among the safest area of fixed income because they're backed by the U.S. government.

This is beneficial for senior homeowners because deferring repayment allows borrowers on a fixed income to have more control over their finances.

Furthermore, because she didn't have an at - a-glance perspective on all of her holdings, she had about three - quarters of her portfolio in fixed - income investments.

Because you don't have to repay it as long as you remain in your home, a reverse mortgage can be a useful financial tool for retirees on a limited or fixed income.

Of course, the OECD predictions are predicated on the idea that the BoC will have to increase it's overnight and fixed income rates sooner because there's already inflationary pressure in the economy.

Fixed income investments such as bonds are generally deemed more conservative because they are less volatile on average than equities (stocks).

But it's interesting because indexing, relative to say an actively managed portfolio, is even more powerful on the fixed income side than it is on the equity side.

Interest rate risk is important because fixed income securities react to changes in interest rates both over the short and long - term that will effect their face value on the open market as yields rise and fall.

I am on a fixed income and need to help them still because of the poor job market and their payments to student loans are like a mortgage.

Funding pensions may always be a challenge because of competing budget priorities, but some experts believe states might benefit from reduced earnings assumptions that would encourage more realistic contribution levels.7 In the long run, higher interest rates for lower - risk, fixed - income investments could put pension funds on more solid ground, but until that happens many state funds are likely to remain on the fiscal edge.

My husband and I are seniors on a fixed income, but we donated to the BF relief fund because our hearts implored us too.

This was at a time when euthanasia for all non-pit bull type dogs was decreasing, yet more than 1100 additional pit bulls lost their lives in the next 3 years mostly because their owners were low income or on fixed incomes and simply unable to comply with the law.

I didn't know how I was going to get her treated because I'm on a fixed income with limited resources.

Cost is important because many cerebral palsy patients are on fixed incomes, receiving disability checks from the government or other such financial help.

The money in your contract is credited with a fixed rate of interest for a specific period of time and you won't have to pay taxes on your earnings until you withdraw them as income.1 Because there is no exposure to market risk, your principal is protected.

Most people of every age would have trouble replacing their possessions if they were lost, but seniors are particularly vulnerable to loss, because they have accumulated so much over time and because they are generally living on a pension or other fixed income and monthly expenses are already difficult enough to meet as it is.

Because grandparents are sometimes on low or fixed incomes, they can need legal, financial or emotional support when they...

Take the cost to acquire the goods (without co-op agents selling your MLS listings, perhaps they would never sell and this is in fact «a cost») away from the gross dollars coming in, before you do any other calculations, (of course after co-op fees are paid) they are part of trust funds and can not be allotted to any other category, even so they appear on the Balance Sheet as a payable) because those costs are in fact fixed expenses, and must be deducted from gross BRANCH income before anything else, making the co-op dollars, in fact, part of the cost of doing business.

This is beneficial for senior homeowners because deferring repayment allows borrowers on a fixed income to have more control over their finances.

The first one I contacted quoted me 5 % for 30 year fixed and when I mentioned the income piece they told me I'd have to apply to find out the answer because they review each request on a case by case basis.

You do not qualify for a 15 - year fixed rate loan, however, because the larger payment on the 15 brings your debt - to - income ratio to 49.9 percent, which is above the maximum of 43 percent.