Sentences with phrase «rate than the federal government»

Many students go to a private lender to consolidate their loan because the private lender offers a lower interest rate than the federal government, but it's important for students to realize that refinancing a federal loan into a private loan will cause them to lose the perks that come with federal loans»

Not exact matches

The Federal Reserve's ultra-low interest - rate policy since the financial crisis may have lent support to a listless economy and made the government's massive debt a lot easier to finance, but it's been more than hard on retirees and conservative savers.

Because of how the Bank of Canada has incorporated federal fiscal projections in its forecasts, there's a risk markets might over-read any tension over rates and interpret the government «as having more influence on the governor than it would past Bank of Canada governors,» he said.

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).

Huge federal, state and local government unionization — much higher unionization rates than in the private sector, including manufacturing — makes it very hard to trim fat from the government.

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

Although, in rare cases private student loans can offer a better interest rate than those available through the federal government, in most cases the interest rates and loan repayment terms available through federal loans are better for borrowers.

Namely, private loans tend to have much higher interest rates than loans that are offered through the federal government.

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.

-LRB-...) Government debt sales will more than double this year, to a net $ 1.44 trillion by JPMorgan Chase & Co.'s estimate, raising the specter of buyers» fatigue just as the Federal Reserve is shrinking its $ 4.4 trillion balance sheet and raising interest rates.

-LRB-...) But a new paper by former senior U.S. Federal Reserve economist Joseph Gagnon says currency intervention — when a government forcibly lowers the value of their exchange rate — has an impact on other economies several times larger than originally thought.

Inflation - protected securities would likely outperform nominal government bonds amid higher - than - expected U.S. inflation, but stocks might not easily stomach a sharp upturn in interest rates or Federal Reserve (Fed) hawkishness.

Indeed, with the US Federal Reserve finally beginning to hike interest rates and half of all European government bonds of less than five - year maturity paying negative yields, it would appear to us that the rate cycle is bottoming.

Indeed, at 24 per cent in 2012, it is considerably lower even than the ETR observed for the fifth North Sea hydrocarbons producer, the German Federal Land of Schleswig - Holstein, whose government has been increasing the statutory royalty rate in line with rising oil prices in recent years — from 12.5 per cent in 2003 to 21 per cent as of the time of writing — with the result that the ETR in the German sector of the North Sea in 2012 came to 33 per cent.

Regarding the change in the PIT outlook, the Enacted Budget Financial Plan says «taxpayers and employers appear to have been anticipating that the Federal government will lower personal income tax rates in 2017, prompting a shift of capital gains from 2016 to 2017» to an extent greater than DOB anticipated in the Executive Budget plan.

According to the NYTIMES, «GFI, which says on its Web site that it originates more than $ 1 billion a year in mortgages, admitted that an analysis by the federal government showed that it charged higher rates and fees to black and Hispanic borrowers than to white borrowers.»

He also said, once the federal government is able to earn more Dollars than it is currently earning, the exchange rate will go down.

Seventeen states and the District of Columbia have rates higher than that mandated by the federal government, and a number of states have indexed future increases to the cost of living.

In fact, public education workers, mainly teachers, have lower turnover rates than employees in every other industry except the federal government.

First, as shown in the JOLTS data, public schools have much lower rates of job openings, hire rates, quit rates, and voluntary and involuntary separations than every industry except the federal government.

Last year, heeding calls for «local control» of education decisions and less invasive interventions in underperforming schools, Congress passed the Every Student Succeeds Act, granting states and local school boards, rather than the federal government, broad latitude in determining how to rate the performance of schools and how to intervene when performance lags.

School systems should know that if they are treating students fairly, the federal government will have their backs — even if some groups of students are suspended at higher rates than others.

If Connecticut's numbers are representative of the national rate, it appears that more than 70 percent of restraints used on special education students in public schools are not reported to the federal government, and more than 85 percent in charters.»

Specifically, POGO's study shows that the federal government approves service contract billing rates — deemed fair and reasonable — that pay contractors 1.83 times more than the government pays federal employees in total compensation, and more than 2 times the total compensation paid in the private sector for comparable services.

The 90 percent goal is a key element in a 387 - page ESSA plan the Illinois State Board of Education submitted last month to the federal government, outlining how students of all backgrounds will be assessed and grow academically, as well as how schools will be rated under myriad factors other than test scores.

Toyota and the federal government have not announced the EPA - rated mileage for the 5.7 - liter V - 8, but company insiders hint it could actually be better than the 4.7 - liter V - 8, in part because the 5.7 - liter has a six - speed automatic transmission, and the 4.7 - liter has a five - speed automatic.

Such loans carry guarantees for lenders against default by the federal government, along with lower interest rates than for conventional mortgages and low (or no) down payment requirements.

There are several tailwinds that could propel private prisons to new heights: private correctional facilities house only a fraction of all inmates in the United States and the world, state and federal governments are more willing than ever to outsource prison management to a private company, and the number of incarcerated people continues to grow at a rate faster than the general population.

Namely, private loans tend to have much higher interest rates than loans that are offered through the federal government.

Inflation - protected securities would likely outperform nominal government bonds amid higher - than - expected U.S. inflation, but stocks might not easily stomach a sharp upturn in interest rates or Federal Reserve (Fed) hawkishness.

Having the «full faith and credit» of the federal government gives investors greater confidence in Ginnie Mae securities, and that ultimately helps explain why VA loans and FHA loans typically have lower average interest rates than conventional mortgages, which don't carry that government backing.

Although, in rare cases private student loans can offer a better interest rate than those available through the federal government, in most cases the interest rates and loan repayment terms available through federal loans are better for borrowers.

Loans made by the federal government, called federal student loans, usually offer borrowers lower interest rates and have more flexible repayment options than loans from banks or other private sources.

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

The alumni and institutional investors receive a financial return, and the borrowers get rates that are lower than those provided by the federal government.

In addition, agency bonds issued by Federal Government agencies are less liquid than Treasury bonds and therefore this type of agency bond may provide a slightly higher rate of interest than Treasury bonds.

Private loans often have higher interest rates attached to them than federal student loans or other government - subsidized loans.

Awhile back, Senator Elizabeth Warren accused the federal government of making «obscene» profits on student loans because the interest rates were higher than the government's cost of borrowing money.

The federal government announced that all mortgage applications with less than 20 % down payment must qualify based on the bank of Canada posted rate, which is currently 4.65 %.

For most private loans, it is a given that the interest rates will be higher than federal student loans, and you will not get the perks of being subsidized by the government and having your interest paid for while you are in school.

However, longer - dated U.S. Treasuries (guaranteed by the federal government as to the timely payment of principal and interest) tend to be more rate - sensitive than other types of bonds.

The federal government has more than enough money to raise personal taxes, especially from high income individuals, by reducing some of the following: the small business tax deduction ($ 3.2 billion), lifetime capital gains exemption ($ 600 million), donation credit related to gifted securities ($ 52 million), flow - through shares ($ 125 million) and bringing capital gains tax rates in line with the top tax rate on dividends ($ 1.25 billion).

by two law professors with a bent for political science and empirical research on the judiciary — suggests that if trends continue, Trump might fare no better than Obama, who had a win rate of 50.5 percent in cases in which the federal government was a party.

Premiums are higher than rates for healthy individuals, but lower than the actual cost of most participants» health care — State general fund appropriations, grants from the federal government, and / or surtaxes on insurance premiums finance the pools» operating losses.

One supporting argument for this point of view is that the new administration's call for sizable tax cuts and greater government spending will pressure the Federal Reserve to normalize interest rates more quickly than it would ordinarily due to heightened inflationary pressures and concerns that the labor market could become too tight.

The rates on federal government securities and insured CDs are not much greater than zero.

At that rate, investors are spending more on restoring the housing stock than the federal government.