Sentences with phrase «over a fixed term of»

Not exact matches

Term loans are a lump sum of cash you pay back, plus interest, over a fixed period of time.

For leases that contain predetermined, fixed calculations of minimum rentals, we recognize rent expense on a straight - line basis over the lease term.

Cash alternatives, such as money market funds, typically offer lower rates of return than longer - term equity or fixed - income securities and may not keep pace with inflation over extended periods of time.

An online term loan is lump - sum financing repaid over a fixed period of time (3 - 36 months for short - term and up to 10 years for long - term).

Yet on the whole, given their positive experience both with receiving more income than they could get from the fixed - income sector in recent years and the potential for capital appreciation over the long haul, dividend stocks and the ETFs that own them have demonstrated their long - term value to the investors who've gravitated toward them during the low - rate environment of the past decade.

As the name suggests, a fixed - rate mortgage is when the interest rate stays the same over the life or «term» of the loan.

This makes it very different from a fixed mortgage, which instead carries the same rate of interest over the entire term or «life» of the loan.

Then you'll get fixed payments over the term of the loan equal to the interest rate offered.

This was exasperated recently when I was discussing the case of how most investors misunderstand how it can actually be good over the long - run to change a company's capitalization structure to replace equity with debt by borrowing funds on a long - term, low - cost, fixed - rate basis to repurchase stock, lowering the total count of outstanding shares.

That is the idea behind a bond ladder: Basically each year you buy one set of long - term bonds with a fixed high paying interest rate and then stagger them over a long period of time.

However, Genesis Global Capital, an affiliate of Genesis Global Trading, offers institutions the ability to borrow and lend bitcoin and other digital currencies in large sizes over fixed - terms.

In contrast to housing credit, the growth rate of personal credit has slowed somewhat over recent months, to an annualised rate of around 12 per cent over the six months to December, compared with 16 per cent over the six months to September; the slowdown in the growth rate of fixed - term and credit card lending was particularly marked.

The ECB also introduced plans for a series of Targeted Longer - Term Refinancing Operations (TLTROs) at very low fixed rates as a new measure to help boost bank lending to the non-financial private sector over the next two years, and said it would intensify preparations for the outright purchase of certain asset - backed securities (ABS).

Personal loans give you a lump sum of money to be repaid over a fixed term, usually between one and seven years.

When you take out an installment loan, the terms of your loan will typically require a fixed monthly payment over a predetermined period of time.

Ms McBain's remuneration package comprises a $ 350,000 fixed pay component and 70 million options with an exercise price of 2 cents per option, exercisable over a four - year term, together with the two placements totalling 70 million shares.

Individual growth curve models were developed for multilevel analysis and specifically designed for exploring longitudinal data on individual changes over time.23 Using this approach, we applied the MIXED procedure in SAS (SAS Institute) to account for the random effects of repeated measurements.24 To specify the correct model for our individual growth curves, we compared a series of MIXED models by evaluating the difference in deviance between nested models.23 Both fixed quadratic and cubic MIXED models fit our data well, but we selected the fixed quadratic MIXED model because the addition of a cubic time term was not statistically significant based on a log - likelihood ratio test.

The PCS union said ministers had fixed the terms of negotiation over public sector pensions in a way which would seriously undermine the possibility of an agreement being reached.

When the Saxbe fix was used for Hillary Clinton, who had the same problem, there was some debate over whether it would be valid, due to the timing of when the raise by the Executive Branch took effect compared to exactly when Clinton resigned from the Senate and when her term of service began at the State Dept.. The Constitutionality has nothing whatsoever to do with Clinton's personal actions and these particulars would hold for others too if the timing was similar.

Nick Clegg and the other Lib Dem negotiators called for a «a commitment not to raise the cap on tuition fees» (a watered - down version of their manifesto pledge to phase out tuition fees over six years), a cut in the number of government ministers, a four year fixed - term parliament and «a commitment to no public subsidy for nuclear power stations».

Ministers have fixed the terms of negotiations over public sector pensions to seriously undermine the possibility of an agreement being reached.

«We're going to look at fixed term parliaments, reform of the House of Lords, more power for Parliament over the executive,» he said.

«For once we're ahead of the curve on something, and in Buffalo where we have had tremendous racial segregation over many, many decades, we've got a heavier lift than some communities in terms of fixing it,» Gallagher - Cohen said.

While 43 % of research staff aged 45 or over had open - ended contracts, a large proportion of those who were still employed on a fixed term had contracts lasting a year or less — even after long service to their institutions.

While it is vital to explore short - term fixes, including the massive $ 700 billion bailout that Congress was still fighting over as New Scientist went to press, we must also consider those factors that will improve the long - term health of the economy.

First there was a public online vote involving 100 British... A sit - com or sitcom, a portmanteau of the full term situation comedy, is a genre of comedy centered on a fixed set of characters who carry over from

As part of the settlement terms in several states» Attorneys General lawsuits against some of the Big Six publishers over alleged ebook price fixing, Amazon customers received some welcome news today: they would be receiving account credits on eligible purchases.

They get home loans with great interest rates, low fees and predictable, fixed monthly payments, and they make a budget ahead of time and think about their long - term plans so they don't get in over their heads.

It does not publish information about its term lengths or interest rates online, but the fact that it offers fixed - rate loans is also a plus since the rate will never go up over the life of your loan.

The whole purpose of having most of the assets invested in equity, domestic plus international, is to catch the growth of equity at the early stage of the portfolio because over the long - term, equities have been proven to provide higher returns than fixed - income securities.

Fixed rate loans charge a fixed rate of interest over the term of the Fixed rate loans charge a fixed rate of interest over the term of the fixed rate of interest over the term of the loan.

This effectively means that federal loans are bought out, but the repayments are over a longer period of time (perhaps 30 years) and at a fixed interest rate to ensure the process of clearing college debts involves the lowest possible monthly repayments - in some cases 50 % lower than initial terms.

Fixed loan rate of up to 4.99 % APR equals payments of $ 7.91 for each $ 1,000 borrowed over an 180 - month term.

The term of a 30 year fixed rate mortgage is long and consequently you pay more interest over the life of the loan.

Maybe because of the shorter term nature of when you need that money, plus the way that it's taxed, maybe you hold more conservative investments your fixed income or your bonds over there.

By modifying the terms of your mortgage loan to achieve a low, fixed rate, you can lower the monthly payments that you have to pay, and by modifying the terms of the original mortgage, you can stretch those payments out over a period of up to forty years in some cases.

To filter out what he calls «short term noise in earnings,» and get a measure that affords a better fix on what kind of prospective returns one can expect from stocks, John calculated the market's P / E using the highest earnings posted over the preceding decade.

The terms of the contract are fixed at the time the lender enters into the agreement and (at their most basic level) include a fixed rate of interest that the borrower will pay to the lender over the term of the contract.

Home equity loan payments are typically fixed over the repayment period, while a home equity line of credit can offer interest - only payment terms or outstanding balances can be repaid using a variety of repayment strategies.

Typically, most homeowners refinance mortgage to get out of the Adjustable rate of mortgage terms and get into the security of fixed interest rated over a fixed loan term.

A home equity loan (often referred to as a second mortgage) is a loan for a fixed amount of money that must be repaid over a fixed term.

the interest rate a bond's issuer promises to pay to the bondholder until maturity, or other redemption event, generally expressed as an annual percentage of the bond's face value; for example, a bond with a 10 % coupon will pay $ 100 per $ 1000 of the bond's face value per year, subject to credit risk; when searching Fidelity's secondary market fixed income offerings, customers can enter a minimum coupon, maximum coupon, or enter both to specify a range and refine their search; when viewing Fidelity's fixed - income search results pages, the term «Step - Up» instead of a numeric coupon rate means the coupon will step up, or increase over time at pre-determined rates and dates in the future; clicking Step - Up will reveal the step - up schedule for that security

Historically the choice of a variable rate mortgage over a fixed term has allowed borrowers to save in interest costs.

However, both term life and whole life insurance will have fixed premiums over the duration of the policy.

In order to answer this question, I then performed exactly the same historical performance analyses to the ones described above, with the exception that instead of using the Vanguard Long - Term Treasury Fund for the fixed income portion of my portfolio, I employed the Vanguard Short - Term Federal Fund (ticker symbol: VSGBX), which exhibited a much more conservative increase in price over the 20 year period in question.

Lots of mortgages are higher than prime, and many people choose them because they feel more secure with the fixed rates over a term, or, on insured mortgages, the lender requires a fixed term.

@mbhunter: The rate is fixed for the term - 5 years - and the interest is amortized over a period of 25 years.

Based on their spending patterns, Simmons suggests Jason and Jessica divide their cash this way: $ 3,000 for fixed expenses («the things that come out of your account whether you like it or not,» like housing, insurance, phone, Netflix); $ 1,000 in short - term spending for big purchases (like travel, puppies, electronics); $ 1,200 in long - term saving («money to be socked away into the nest egg,» she says, for retirement and emergencies); and, good news for Jason and Jessica, $ 2,800 left over to spend on everything else — that's groceries, gas, haircuts, tasty takeout, doggy toys, and whatever else they damn well feel like.

The next most popular term for a fixed mortgage is the 15 - year fixed loan, which amortizes over fifteen years, bumping up monthly mortgage payments significantly, but reducing the amount of interest paid throughout the duration of the loan considerably.

This is another reason why shorter term mortgages or variable rate mortgages make sense... The stats don't lie... Variable rate mortgages have outperformed Fixed rates in over 88 % of the time...