Sentences with phrase «rates than alternative»

Banks tend to offer lower interest rates than the alternatives.

Not exact matches

Alternative lenders tend to charge much higher interest rates than banks do — sometimes on the order of 50 percent annual percentage rates or more.

Let's break down what an alternative finance provider needs to cover within that 30 to 40 percent factor rate (technically, this is a discount rate, which is present value cash versus future payout, rather than an interest rate), so as to come out ahead.

«(With an alternative lender), the interest rates are higher, the qualifying rate is higher than if you were going with a traditional bank and they are going to charge one per cent of the mortgage amount (as a lender's fee) for closing, so that means your closing costs increase.»

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.

While alternative finance crowdfunding markets are quickly becoming a genuine source for early stage capital and are growing in Canada, they are not achieving their full potential and growing at a much slower rate than Canada's international comparators in the United States and United Kingdom.

They have interest rates that are almost always lower than the alternatives.

The growth rate, the meaningful statistic in making future plans, is down now to slightly less than per cent per year, and it seems likely that the RLDS church will continue as a modest but important ecclesiastical establishment, providing Latter Day Saints with an alternative to Utah Mormonism.

U.S. communities and states that have implemented alternatives to extended producer responsibility (EPR) policies are achieving high municipal solid waste recycling rates at reasonable costs, while also addressing a wider spectrum of the waste stream than narrowly - focused EPR mandates, according to a new study conducted by consulting firm SAIC for the Grocery Manufacturers Association (GMA).

«I think that it's a challenge in a city that already has significantly higher tax rates than our surrounding suburb communities, and so we would be looking at alternatives to raising property taxes.»

Tim Woodcock The co-founder of HomeEdison noted the Renewable Energy (RE) sector's ability to deliver alternative energy at substantially lower costs than standard utility rates; the importance of building a two - way energy supply infrastructure in order to allow homeowners and business to sell the excess energy their alternative installations generate back to the utility company; and the applicability of geothermal systems in much of our region.

Results reveal that on average, the 13 states allowing the use of medical marijuana had a 24.8 percent lower annual opioid overdose mortality rate after the laws were enacted than states without the laws, indicating that the alternative treatment may be safer for patients suffering from chronic pain related to cancer and other conditions.

Emerging evidence for variability in the coral calcification response to acidification, geographical variation in bleaching susceptibility and recovery, responses to past climate change, and potential rates of adaptation to rapid warming supports an alternative scenario in which reef degradation occurs with greater temporal and spatial heterogeneity than current projections suggest.

Note that the platter contains only an Unrated edition of the film, whose theatrical release was rated PG - 13 and ran, contrary to convention, a minute longer than this alternative cut.

While I don't know if this is a movie you'll yearn to revisit, I do encourage you to give it one viewing and see if it's not a lot better than its alternative distribution, lousy reviews, and paltry IMDb rating indicate.

Teacher candidates from alternative route programs like Teach for America and the Visiting International Faculty (VIF) program have much lower three - and five - year retention rates than other routes into North Carolina schools.

Then we want to compare their postsecondary success rates with those of two cohorts examined in nationwide longitudinal studies: 1) African American students from families earning less than $ 42,000 a year (National Center for Education Statistics survey); and 2) students attending alternative schools (the Gates Foundation).

We included administrative data from teacher, parent, and student ratings of local schools; we considered the potential relationship between vote share and test - score changes over the previous two or three years; we examined the deviation of precinct test scores from district means; we looked at changes in the percentage of students who received failing scores on the PACT; we evaluated the relationship between vote share and the percentage change in the percentile scores rather than the raw percentile point changes; and we turned to alternative measures of student achievement, such as SAT scores, exit exams, and graduation rates.

More than 80 districts including Newark, Orlando, and Los Angeles, have increased their published graduation rates by at least a percentage point in recent years while sending more students to alternative programs, ProPublica has found.

The numbers of parents paying by cash are similar across both stages of education, which suggests that all schools are moving away from it at the same rate - more than half of parents appear to have moved past cash, but only secondary schools have dedicated software as a clear alternative, perhaps suggesting that some primary schools do not fully understand the benefits of parental payment software.

The commissioner may also place under preliminary registration review any school that has conditions that threaten the health, safety and / or educational welfare of students or has been the subject of persistent complaints to the department by parents or persons in parental relation to the student, and has been identified by the commissioner as a poor learning environment based upon a combination of factors affecting student learning, including but not limited to: high rates of student absenteeism, high levels of school violence, excessive rates of student suspensions, violation of applicable building health and safety standards, high rates of teacher and administrator turnover, excessive rates of referral of students to or participation in special education or excessive rates of participation of students with disabilities in the alternate assessment, excessive transfers of students to alternative high school and high school equivalency programs and excessive use of uncertified teachers or teachers in subject areas other than those for which they possess certification.

«Sadly, for many students, rather than providing additional supports,» noted legal advocates» claim against the state's alternative network, «these programs have become a revolving door which spirals students away from being able to successfully complete high school, ultimately fueling Pennsylvania's dropout rate.»

More than one out of every five charter campuses (21.1 percent) failed to achieve the «met standard» or the «alternative standard,» or were «not rated» compared to fewer than one out of every 10 public school campuses (9.6 percent).

More than half a dozen of the schools on the list had dropout rates over 100 % because enrollment is based on the number of students attending classes on a single day in October, but alternative schools typically have students arriving and leaving throughout the year.

Black and Hispanic teachers tend to enter the pipeline through nontraditional and alternative teaching routes at higher rates than they enter traditional programs.

According to the Texas Education Agency, charter schools rated under normal accountability measures had a graduation rate of about 95 percent in 2015, but charter schools rated under alternative standards had a graduation rate of less than 50 percent.

The dropout rate and graduation rate do not total 100 percent because some students complete high school through means other than a high school diploma (e.g., students with a GED, students with disabilities who have participated in alternative assessment, or students who have transferred into higher education or an applied technology college without graduating high school) and some special education students are retained in high school beyond their senior year.

If fewer than 16 tests are available to apply to a teacher's score, however, which appears quite likely in many cases this year, districts will have to produce an alternative rating method, such as using the scores of other students in the school.

The one example where an observer rated a lesson's technology as less useful than an alternative was a situation where a time - consuming art activity facilitated with technology likely detracted from the quality of scientific information that the students were being asked to research and present.

virtual schools make up only about 10 percent of high schools, yet make up more than 50 percent of low - graduation - rate high schools nationwide, states should not be permitted to exclude alternative, charter, and virtual schools from the statewide accountability and improvement system required under ESSA.»

The GradNation report states that «in light of the finding that alternative, charter, and virtual schools make up only about 10 percent of high schools, yet make up more than 50 percent of low - graduation - rate high schools nationwide, states should not be permitted to exclude alternative, charter, and virtual schools from the statewide accountability and improvement system required under ESSA.»

On the last point, the 2016 Building a Grad Nation report notes that alternative, charter, and virtual schools comprise only 10 percent of high schools nationwide, but they make up more than 50 percent of high schools with graduation rates at or below 67 percent.

Similarly, the Teaching Fellows Program was scrapped in spite of evidence that its graduates had much higher retention rates after three and five years (90 % and 75 %) than did other teachers prepared through both traditional university and alternative routes in the state (80 % and 68 %)(Podolsky & Kini, 2016).

More than half (53.6 %) of the teachers had a different effectiveness rating under the alternative model.

When cross-examined with rival cars, though, those quirks become hard to justify in such a crowded and competitive class, so we can only rate the Toyota C - HR overall as a «to consider» alternative rather than a model we can definitively recommend.

Capable of carrying up to seven passengers, the SRX is a viable alternative to a full - size SUV, although those who need to tow heavy loads will require more than the SRX's 1,000 - pound base tow rating.

Ebooks could have been a transformative sea change in how we read books but instead are nothing more than a second - rate alternative to cheap paperbacks.

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.

A personal loan is an unsecured loan that does not require any collateral down to qualify and may come with a lower interest rate than a credit card for a low - risk alternative when you need money to get yourself out of a tight financial jam or to fund a family vacation.

If you're ready to get a little more juice out of your savings than the interest rate you're getting at the bank, look at the alternatives that pose less of a threat to your bottom line.

As the average credit card interest rate is 15 %, significantly higher than any student loan or personal loan, using a debit card or paying in cash are great alternatives to unnecessary credit card transactions.

The point here is this: Go borrow money at a lower rate than your credit card (there are other alternatives than P2P, you can google these, just make sure the rate is lower than your credit card).

Therefore those that currently have an adjustable rate mortgage need to look into what their alternatives are rather than pay increased interest on their loan.

If you want to receive funds into your account in an alternative currency than your base currency, conversion rates are the same as the forex trading conversion rates.

(The maximum rate for the AMT is 28 %, but the tax resulting from a single large item can be greater than that percentage because of the interaction of various features of the alternative minimum tax.)

Interest rates are lower than both of the alternatives, while approvals with bad credit are likely as they specialize in bad credit lending.

Like most alternative lenders, QuarterSpot's range of APRs is higher than rates you may get from a bank.

QuarterSpot will also fund loans to businesses that already have an outstanding loan (provided they meet QuarterSpot's qualifications) and may offer more competitive rates on second positions than other alternative lenders.

They are not an alternative to cash, but can offer higher interest rates than cash if investors are willing to assume some risk.