Sentences with phrase «rate than their financial»

In both cases, some participants are taxed at a higher rate than their financial circumstances would require if they filed individually.

Not exact matches

Firms in Canada's financial sector are under less pressure than their counterparts in, say, Europe or Japan, where negative interest rates are out in force.

On the downside, these lenders may have higher interest rates and more onerous repayment terms than traditional financial institutions charge.

While banks aren't likely to charge rates that high for the loans originated through their partnerships, the rates are likely to be higher than what they offer for more traditional commercial loans, some financial experts say.

The low - interest - rate environment has allowed it to borrow to fund operations at levels that are about half the 10 percent interest rate the company paid for its financing more than a decade ago, says Clark Balderson, the company's chairman and chief financial officer.

Shirakawa's doubts kept the BOJ firmly focused on interest rates, rather than the size of its balance sheet, even after it had driven its policy rate down close to zero after the global financial crisis.

These risks and uncertainties include, among others: the unfavorable outcome of litigation, including so - called «Paragraph IV» litigation and other patent litigation, related to any of our products or products using our proprietary technologies, which may lead to competition from generic drug manufacturers; data from clinical trials may be interpreted by the FDA in different ways than we interpret it; the FDA may not agree with our regulatory approval strategies or components of our filings for our products, including our clinical trial designs, conduct and methodologies and, for ALKS 5461, evidence of efficacy and adequacy of bridging to buprenorphine; clinical development activities may not be completed on time or at all; the results of our clinical development activities may not be positive, or predictive of real - world results or of results in subsequent clinical trials; regulatory submissions may not occur or be submitted in a timely manner; the company and its licensees may not be able to continue to successfully commercialize their products; there may be a reduction in payment rate or reimbursement for the company's products or an increase in the company's financial obligations to governmental payers; the FDA or regulatory authorities outside the U.S. may make adverse decisions regarding the company's products; the company's products may prove difficult to manufacture, be precluded from commercialization by the proprietary rights of third parties, or have unintended side effects, adverse reactions or incidents of misuse; and those risks and uncertainties described under the heading «Risk Factors» in the company's most recent Annual Report on Form 10 - K and in subsequent filings made by the company with the U.S. Securities and Exchange Commission («SEC»), which are available on the SEC's website at www.sec.gov.

The IMF predicts the global economy will expand 3.5 % in 2015 — about the same as last year, but dramatically slower than the 5 % rates that preceded the financial crisis.

«The power of moral suasion is greater than we might think,» says Brenda Lum, managing director of Canadian financial institutions with bond - rating agency DBRS.

Sterling dropped more than 1 percent against the U.S. dollar on Thursday after the Bank of England announced the first rate hike since the financial crisis.

London is particularly notable, since it holds more millionaires than any other city in the world and is rated as the # 1 financial center globally.

However, rewards credit cards often carry higher interest rates and fees than traditional cards, so they don't make financial sense for everyone.

Low interest rates were necessary to juice the economy during the financial crisis, but they are now, by many measures, doing more harm than good.

Macron has said he hopes to pool liability for various kinds of debt: a completed banking union would ensure bailout costs for individual financial institutions would be distributed across the continent rather than borne by individual countries, and the so - called Eurobonds would allow national governments to borrow money against a joint continental credit rating.

When the Bank of Canada cut interest rates in 2015 to offset the collapse of oil prices, it was worried about more than a blow to gross domestic product; it was also thinking about what mass firings in the oil patch could mean for the financial system.

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.

Although college - educated people are more likely to have the financial wherewithal to buy a home than those without a college education, the mounting rate of default on student loans is hurting young people's credit ratings - and making it much harder for them to buy a home or condominium.

This Christian college in Missouri has a lower acceptance rate than Cornell, the Ivy with the highest acceptance rate, and requires students to show financial need for admission.

Its sales continued falling at double - digit rates in 2014, and its financial results came in even lower than analysts» expectations.

The report said one potential danger to greater global financial stability is the possibility that long - term interest rates could rise more sharply than anticipated.

Among the factors that could cause actual results to differ materially are the following: (1) worldwide economic, political, and capital markets conditions and other factors beyond the Company's control, including natural and other disasters or climate change affecting the operations of the Company or its customers and suppliers; (2) the Company's credit ratings and its cost of capital; (3) competitive conditions and customer preferences; (4) foreign currency exchange rates and fluctuations in those rates; (5) the timing and market acceptance of new product offerings; (6) the availability and cost of purchased components, compounds, raw materials and energy (including oil and natural gas and their derivatives) due to shortages, increased demand or supply interruptions (including those caused by natural and other disasters and other events); (7) the impact of acquisitions, strategic alliances, divestitures, and other unusual events resulting from portfolio management actions and other evolving business strategies, and possible organizational restructuring; (8) generating fewer productivity improvements than estimated; (9) unanticipated problems or delays with the phased implementation of a global enterprise resource planning (ERP) system, or security breaches and other disruptions to the Company's information technology infrastructure; (10) financial market risks that may affect the Company's funding obligations under defined benefit pension and postretirement plans; and (11) legal proceedings, including significant developments that could occur in the legal and regulatory proceedings described in the Company's Annual Report on Form 10 - K for the year ended Dec. 31, 2017, and any subsequent quarterly reports on Form 10 - Q (the «Reports»).

Buffett said he was proud of the many people who have been able to buy a home with Berkshire's financial assistance, and that the default rates on its loans during the financial crisis were lower than those of other banks.

Financial responsibility rates higher than sense of humor, attractiveness, ambition, courage and modesty.

Investors are set to snap up the bonds with an interest rate of less than 3.4 %, the Financial Times reported on Thursday, or about half the rate Sprint would have had to pay if it issued the bonds without any backing.

Stéfane Marion, chief economist at National Bank Financial, noted earlier this month Canadian factories currently are using 82 % of their production capacity, a historically strong number that is seven percentage points higher than the corresponding capacity - utilization rate in the United States.

It could be argued that the ratings are more harmful than helpful, said Robert Schmansky, CFP, owner of Clear Financial Advisors.

Economic factors like consumer confidence, financial obligations, and delinquencies are all improving and the consumer may be more insulated than investors think from a back - up in yields, given 75 % of their financial obligations are in the form of a mortgage, close to 90 % of all mortgages are 30 - year fixed, and the average mortgage is termed out at the lowest rate ever... Taking these factors into account, we generally think it pays to remain sanguine.»

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).

«A stress test that claims that if the Dow falls by 60 %, the unemployment rate rises to 12 %, housing prices decline substantially more than they did during the 2008 recession, GDP declines by 6 - 7 % — and that all of that can happen and no bank will be in serious financial trouble or have any problem of being undercapitalized or illiquid — I kind of think says more about itself than it says about the health of the banking system.»

A 50 % saving / investing rate is more common than you would think amongst the FIRE (financial independence early retirement) crowd.

But as we all know, holistic health is about more than just your cardio rate and how much you can bench press — it also includes areas like mental and financial health.

That said, the Bank of Canada is clearly concerned about the real estate market if another financial crisis hits or inflation concerns force mortgage rates up faster than consumers can handle.

With that in mind, the site compared more than 180 U.S. cities across 29 key metrics including unemployment, poverty, foreclosure rates, income volatility and savings habits to see where people are in the best and worst financial shape.

PARIS — Standard & Poor's downgraded the credit ratings of France, Italy and seven other European countries on Friday, a move that may have more symbolic than fundamental financial impact but served as a reminder that Europe's economic woes were far from over.

The best checking account rates came in with a more than 4.00 % APY return that will help depositors toward their 2014 financial goals.

Confronted with the choice of whether to «lean» or to «clean» — leaning against emerging financial imbalances by keeping interest rates higher than they otherwise would be or cleaning up in the event the risks they create are realized by providing stimulus — central bankers at that time generally agreed that cleaning would be best.

Poloz revealed the stimulus discussion in his opening statement to reporters more than an hour after publication of the rate decision, wrong footing financial markets that were not expecting the dovish shift.

I have ignored reasons that might justify lower discount rates or higher GDP adjustments for China mainly because the purpose of this essay is to explain why the U.S. multiple is so much higher than China's, and of course these reasons exist, but I think whatever the correct ratio should be, there is no question that advanced economies always justify higher multiples than developing economies because they tend to be economically more diversified and politically more stable, and they usually have institutions, including clearer legal and regulatory frameworks, more sophisticated capital allocation processes, less rigid financial systems, and smaller state sectors (which make smooth adjustment, one of the most valuable and undervalued components of long - term growth, more likely).

Tax cuts on wealth are promoted as if they will be invested rather than used to pay the financial sector more interest or be gambled on currencies and exchange rates, interest rates, stock and bond prices, credit default swaps and kindred derivatives.

The fact that official purchases of financial assets are determined by different factors than those influencing private investors suggests that we would probably see a somewhat different combination of capital flows, exchange rates and interest rates in the absence of official intervention.

Seems to me that this is the very worst time to increase rates, and doing so would cause more damage to our economy; but I believe this administration would do anything to make us believe things are better than they really are, at the expense of everyone's financial security.

The majority of high - income economies experienced high rates of credit growth and in some cases financial activity expanded even faster than was the case in Australia.

BERLIN — Throughout the month, countries caught in the eye of the European financial storm, including Italy, Spain and France, have repeatedly defied expectations, selling big batches of bonds to the public at interest rates significantly lower than investors demanded at the height of the euro crisis late last year.

If the prevailing patterns of capital flows were to exert downward pressure on interest rates and upward pressure on other asset prices, they would contribute to more expansionary financial conditions than would otherwise be the case.

The US export sector is getting the benefit of a lower dollar; there's a significant fiscal package in the pipeline, which will add more than 1 per cent of GDP to private spending power; and sharp cuts have been made in US official interest rates, with financial markets expecting more to come.

While money market accounts typically have higher rates than a basic savings account, not all financial institutions can offer the highest rates.

In this case the «cost» of financial repression to households was the gap between nominal GDP growth and nominal lending rates, plus an additional 1 - 1.5 % to account for the larger than normal gap between the lending rate and the deposit rate.

And the minutes did suggest the Fed might eventually raise rates to a level higher than financial markets presently anticipate.

The fifth, and most recent, factor is the US Federal Reserve's signals that it might end its policy of quantitative easing earlier than expected, and its hints of an eventual exit from zero interest rates, both of which have caused turbulence in emerging economies» financial markets.

While it remains uncertain whether the rate increase will pass legal muster, by focusing solely on short - term financial consequences rather than long - term growth and innovation, the PUD is shortchanging Washington's citizens by driving new technology businesses away from the state: