Sentences with phrase «rate than current rates»

If you have a home, you could even refinance extra out of it and use the money to pay off your student loans if they're at a higher rate than current rates.

Typically a consolidation loan carries a lower interest rate than your current rates combined, but only if you qualify.

Furthermore, you can see historic interest rates for federal student loans, as many federal borrowers» loans have different interest rates than the current rate.

In addition to the usual requirements of a house, the buyer needs and wants an assumable mortgage with a lower interest rate than the current rate.

Not exact matches

For a list of all the cities with a current unemployment rate of less than 4 % unemployment, here's an interactive map.

A small fraction of those business owners pay the top individual tax rate of 39.6 percent, higher than the current top corporate income tax rate of 35 percent.

As they won wage increases higher than the current rate of inflation they would, for a short time, gain real wage increases.

In his opinion, the Federal Reserve funds rate should be closer to 3 % rather than the current 0.5 %.

Gordon is curious about an untested policy called «price - level targeting,» which would refocus monetary policy on achieving an absolute increase in prices over time, rather than the current emphasis on the rate of change.

The notes from the meeting show that a number of Fed officials feel that interest rates could begin to be raised from their current artificially low levels sooner than the current target of sometime in 2015 should certain economic factors continue to improve at a rapid pace.

Comment: Despite some macro slowdown and stock market gyrations in China, we remain confident in our $ 625 million forecast for FY 2016 even at current exchange rates and optimistic on the prospects for this market over the long - term as the drivers we've consistently mentioned are more relevant than ever,» said CEO Victor Luis.

While the vast majority of investors are buying Bitcoin via exchanges, it's still possible to get the cryptocurrency for dramatically less than the current exchange rate.

However, rates have also been slowly creeping higher on their own, as regulators look set to persist with the current «de-risking» campaign taking much longer than policy crackdowns in the past.

In some ways, it's almost better than «training» in the real world, because you have constant feedback and can pay more attention to things like your current heart - rate and you fluid intake.

This is a primary reason why France's current unemployment rate of 9.5 % is more than double the U.S.'s relatively modest 4.7 % rate.

As someone who teaches and advises in the field and has an obligation to keep current with emerging developments, given the significant rate of change in the last ten years, I could not imagine how a director of a company could remain current without ongoing requirements rather than passing familiarity or osmosis (I am speaking here of directors who have chosen not to upgrade their education).

The Teacher Retirement System in Texas, which manages about $ 132 billion for more than 1.4 million current employees and beneficiaries, reduced its inflation rate assumption last month while reviewing its current investment target rate.

The Bank of Canada's current estimate of the neutral rate of interest is 2.5 to 3.5 per cent, down from a range of 3.0 to 4.0 per cent a little more than three years ago.

Several states have set their minimum wage rates at a higher level than the federal rate, including California, which has a current rate of $ 10 per hour.

Once they've banked more than 80 hours, workers may redeem the excess hours by cashing out at their current rate of pay.

That would require the center to increase the number of staff per student but also would permit charging higher fees than the current weekly rate of $ 115 per full - day child and $ 78 for after - schoolers.

That's lower than the current unemployment rate of 4.1 percent for the entire U.S. population and 14.4 percent for teens.

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).

First, Moody's reckons that rates will not only increase substantially, but wax a lot more quickly than the CBO projects, going from the current 2.9 % to 4.3 % by 2024.

That's lower than the current unemployment rate of 4.1 percent for the entire U.S. population and a steep 14.4 percent for teens.

«The recent behavior of both nominal and real wages point to weaker labor market conditions than would be indicated by the current unemployment rate,» Yellen said in a speech to central bankers last week.

Borrowers should keep in mind that lower interest rates at the beginning of a loan result in more actual savings than lower interest rates towards the end of a loan since the principal is lower as time goes by (interest charged is a percentage of the current loan balance).

Historically, negative real interest rates (the inflationary rate is greater than the current interest rate) combined with global stimulative money supply efforts has been an especially powerful combination for gold prices.

The conventional wisdom goes that it's not worth refinancing if you can't get a rate that's at least 1 % lower than your current mortgage rate.

In the 23rd Actuarial Report on the Canada Pension Plan (OCA, 2007), the Office of the Chief Actuary (OCA) certified that, in spite of the substantial increase in CPP benefit payments that would result from the retirement of the baby boom generation, the current legislated contribution rate of 9.9 per cent for employers and employees combined would be more than enough to pay for benefits through 2075.

The private sector often demands rates of return far greater than public sector borrowing costs, especially in the current low interest rate environment.

It typically wouldn't make sense to take out a new loan on your home if the interest rate would be higher than your current mortgage rate.

I don't know exactly what's going to happen, but simple math based on the current level of interest rates leads me to believe that these risk premiums will be much wider in the future over longer time frames than they've been in the recent past.

It is telling us only that there is more supply of RMB than there is demand for RMB at the current exchange rate.

If current interest rates are lower than they were at issue, the MVA will result in a higher payment.

This is a bit faster than our current estimate of trend growth in the Australian economy, so we expect to see a gradual decline in the unemployment rate.

If you are approved for an application and the student loan rate is not lower than your current rates, then refinancing typically will not save you any money.

Even if a personal loan rate is lower than your current student loan rate, you might save even more by refinancing with new private student loans, instead.

Instead of just working for Vox.com, I could form DylanCorp LLC, contract with Vox to provide writing services, and pay a 15 percent rate on DylanCorp's earnings rather than my current 25 percent rate.

Seeks to provide a high level of current income, while providing lower volatility than a fund that invests in fixed - rate securities.

All untaxed income currently held overseas will immediately be taxed at a fixed rate, much lower than the current rate, effectively rewarding companies that kept money overseas.

This type of loan might make sense for you if you can get a better interest rate than that of your current mortgage, you plan to shorten the term of your loan instead of refinancing for 30 years, and you plan to keep your mortgage for at least several more years.

Even if you owe more than your home is worth, as long as you are a current FHA loan holder, you can apply to refinance your mortgage for a lower rate and payment with the FHA Streamline program.

To an insignificant statistical difference (e.g. advisory bulls are 52.7 % rather than 53 %, and the comparison between current interest rates and those 6 months ago varies slightly from day - to - day), we are once again at a condition that I've called «Hazardous Ovoboby» - overvalued, overbought, overbullish, yields rising.

Public debt charges, given the current lower outlook for interest rates, could come in lower than expected as well.

An unsecured loan can also be a good option if you get an interest rate that's much lower than the rate on your current card.

It's also because of something a little more lasting than central banks» current infatuation with near - zero interest rates.

The current rate of 4.1 % is lower today than it has been 86 % of the time over the past 70 years [2].

Every defense of current P / E ratios must assume either a higher long - term growth rate than is evident from historical data, or it must assume that investors are willing to hold stocks for a long - term return of substantially less than 10 %.

The Government still has the legislative authority to set any rate it wants — including a rate higher or lower than the rate recommended by the Board or set in current legislation.