At the end of the index term, your client benefits from competitive renewal caps and fixed interest crediting rates based
on the current interest rate environment and current market conditions.
There is also a fixed account option whereby the policyholder can earn based on a set interest rate (which is, however, subject to change based
on the current interest rate environment).
Not exact matches
In the
current low -
interest -
rate environment, investors are not being rewarded with enough income to take
on that
interest -
rate risk.
Gardner says that in the
current market
environment, with
interest rates near zero, investors are being forced to take
on more risk.
Such statements reflect the
current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the general economic
environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping
rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the
rate of investment spend, higher - than - anticipated store closing or relocation costs, higher
interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact
on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs
on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report
on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report
on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report
on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.
Such statements reflect the
current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the effect of the proposed separation of NOOK Media, the general economic
environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping
rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the
rate of investment spend, higher - than - anticipated store closing or relocation costs, higher
interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact
on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs
on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report
on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report
on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report
on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.
First of all, in the
current low -
interest -
rate environment, my investments are almost certain to outperform the
rate on credit I will qualify for.
Portfolio Manager Mark DeVaul discusses the strength of the U.S. consumer and shares his thoughts
on current market valuations, explaining why he remains optimistic about U.S. equities in the
current low
interest rate environment.
In the
current lending
environment, with
interest rates at an all - time low, now is an ideal time for you to refinance your mortgage and possibly save thousands of dollars per year, enabling you to pay more money per month towards the principal
on your mortgage as opposed to the
interest — which, in turn, can help build equity quicker.
The amount available to you is formulated based
on your age, today's
current interest rate environment, and the appraised value of your home.
While the yield of the S&P
Current 10 - Year Japan Sovereign Bond Index continued to hover around zero, the yields of U.S. Treasuries were trending higher this quarter
on the back of the rising -
interest -
rate environment.
At the end of the guarantee period, your client benefits from competitive renewal
rates based
on the
current interest -
rate environment and
current market conditions.
At the end of the index term, your client benefits from competitive renewal
rates based
on the
current interest -
rate environment and
current market conditions.
Given the
current low
interest rate environment, there are now very low
interest rates available
on unsecured personal loans.
Since the inflation and
interest rates in the example are roughly in line with the
current environment and the average return
on equity is 12 %, Muhlenkamp is willing to pay two times book value per share or 17 times earnings per share for companies with a 12 % return
on equity.
P / E ratios will vary based
on the
current interest -
rate environment.
The
current low
interest rate environment is resulting in a large tax penalty
on inflation - adjusted investment income that can not be sheltered from taxation.
In this May 2015 article How to invest in a central bank sponsored speculative bubble James Montier gives his ideas
on how to invest in the
current zero
interest rate environment.
If your
current home is sold conditionally
on financing, banks are having appraisers undervalue homes to protect themselves from the risk borrowers default in a rising
interest rate environment.
His specific research
interests include: processes that cause population abundances to fluctuate over time; predicting the extinction risk of rare species; patterns of individual growth in fluctuating
environments and how they affect population growth
rates; and the effects of
current - driven dispersal
on marine fish species.
Because it is price based
on 1983
interest rates and mortality
rates (1983 was the last time it was changed), delaying Social Security is much more efficient over the long run than any QLAC can ever hope to be in the
current low -
interest rate environment.
The amount available to you is formulated based
on your age, today's
current interest rate environment, and the appraised value of your home.
Interest rate increases in 2017 are expected to have less of an effect
on cap
rates than originally predicted, with experts forecasting that the
current flat cap
rate environment will continue.
The
current low cap
rate environment and the looming threat of an
interest rate hike should seemingly put pressure
on owners to bring their properties to market, but most industry experts believe that any increase in cap
rates or
interest rates will be counterbalanced by an increase in rental
rates, and therefore net operating income (NOI).