Sentences with phrase «rates than purchase»

This might result in a higher rate than you have today, since cash - out refinances can have higher rates than purchase loans or traditional refinances.

They usually come with fees and higher interest rates than your purchase or balance transfer APR's.

Cash advances can come with extra fees and higher interest rates than purchases.

Unlike a purchase, cash advances don't earn cash back, and they tend to come with a higher annual percentage rate than purchases.

Be careful utilizing this feature, however, as cash advances tend to come with higher interest rates than purchases, and you won't receive the traditional interest - free grace period you'd get with a new purchase, either.

Not exact matches

Your repeat purchase rate is the percentage of your customers who have bought from you more than once.

Repeat purchase rate = Number of customers who have shopped more than once / Total number of customers

«We expect the ECB to continue net asset purchases until around the third quarter of 2018, while the Fed will likely begin reducing its stock of quantitative easing assets early in 2018... These opposite moves mean that the ECB's balance sheet could be around 20 percent larger than the Fed's by around end - 2018, assuming constant FX rates,» he noted.

Despite Icahn's verbal pummelling, most analysts have a Buy rating on the stock and target prices much higher than Icahn's offer to purchase the company for US$ 7 a share.

These accounts usually offer higher rates than online savings accounts — if you meet certain requirements, such as making a minimum number of debit - card purchases each month and agreeing to receive statements electronically.

At the Federal Reserve's target rate of 2 percent, inflation could erode more than $ 73,000 of a retiree's purchasing power over 20 years if that person were receiving the monthly average Social Security retirement payment of $ 1,341.

A large portion of the spread compression happened in reaction to two events: the Fed's decision to begin winding down its large - scale asset - purchase program known as quantitative easing on Dec. 18, and Janet Yellen's first meeting as Fed chair on March 19, which coincided with the release of forecasts by Fed officials who anticipated earlier rate hikes than before.

«To achieve a high savings rate, start viewing your purchases in terms of units of your time rather than dollars,» she tells CNBC Make It.

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»).

It has a much higher annual fee than the Preferred — $ 450 — but in exchange for that, you'll get a $ 300 statement credit each cardmember year to cover your first $ 300 of travel charges, and a higher earning rate of 3x points on travel and dining purchases.

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).

Automated emails have a 119 percent higher open rate than broadcast emails; nurtured leads make 47 percent bigger purchases.

Not only did the Zero Lower Bound turn out to be not so debilitating as all that — rather than work their will via interest rates, central banks took to injecting money directly into the economy via large - scale asset purchases — but it does not even seem to be the lower bound: central banks, notably in Europe, have successfully experimented with negative interest rates.

In fact, in real terms the average wage peaked more than 40 years ago: The $ 4.03 - an - hour rate recorded in January 1973 has the same purchasing power as $ 22.41 would today.

In October, the European Central Bank announced a reduction in its asset purchases, a signal that its quantitative easing policy was coming to an end, and in November, the Bank of England made its first interest rate hike in more than a decade.

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.

a bond where no periodic interest payments are made; the investor purchases the bond at a discounted price and receives one payment at maturity that usually includes interest; they have higher price volatility than coupon bonds as a result of interest rate changes

Rates on cash - out refinances generally will be slightly higher, 25 to 75 basis points, than the rate on a purchase mortgage with a similar loan - to - value ratio.

Jumbo loans, which are used to make bigger purchases, also come with higher rates than conventional loans.

In a speech delivered Tuesday, the Fed's Charles Plosser hinted that the Federal Reserve should reduce the pace of its asset purchases in measured steps but an increase in interest rates «may come sooner than many...

Those who are willing to purchase it presumably will be compensated by a lower per share price than full voting rights stock would command and / or by a higher dividend rate.

For Pennsylvanians thinking about refinancing a current mortgage, we found a much wider range of available rates in each mortgage type than we did for purchase mortgages.

If interest rates decline, the drop in financing costs may induce some households to buy a motor vehicle or purchase a home now rather than in the future.

Such purchases, by taking duration out of private hands, push down term premia and lead to lower long - term rates than would otherwise be the case for any given economic outlook.

Mortgage Insurance can help you achieve the dream of homeownership sooner by allowing you to purchase a home with less than 20 % down payment, while paying the same competitive interest rates as buyers with a larger down payment.

For instance, the conventional 30 - year fixed rate of 4.10 % with 0.05 purchased points would otherwise be 4.15 % — 15 basis points higher than the standard rate at most US mortgage lenders today.

It was problematic because many of those bonds were purchased a time when interest rates were much higher and enjoyed far fatter bond coupons than anything then available on the market.

Step 4: On February 11, 2010, with Treasury backing in place, Fannie Mae and Freddie Mac (whose delinquency rates have more than doubled over the past year) announce the purchase of $ 200 billion in delinquent mortgages that they had previously guaranteed.

Yet despite the most extreme version of these assurances in Japan, where the Bank of Japan has driven long - term interest rates to negative levels and has purchased stocks outright, the Nikkei 225 index is no higher than it was in November 2014.

FedEx still offers an earnings growth rate that is high for large companies, yet we were able to purchase shares at prices that were first seen in 2003, even though earnings per share have more than doubled over the period.

Under the rules, a buyer paying more than 20 per cent down on their home purchase must prove they can carry their monthly payments at either their contract rate plus two per cent, or at the Bank of Canada's benchmark rate — whichever is higher.

The arrangement is made possible by a Power Purchase Agreement (PPA) with the project's developer where the customer pays an electricity rate equal to or less than what other customers pay for their existing power.

By contrast, the Eurozone and Japan are still in the midst of extended programmes of quantitative easing (QE) intended mainly to keep interest rates low along the length of the yield curve (rather than directly to boost the rates of growth of money and purchasing power), and hence to stimulate the two economies.

If home prices and mortgage rates rise, home buyers in 2018 will have less buying power than those who purchase homes now.

Nevertheless, the apparent success of the ECB's policy in overcoming the threat of deflation increased speculation about a potential tightening of monetary policy, possibly even before the cessation of the central bank's bond purchases — scheduled to continue for at least the rest of the year — and in the wake of the ECB meeting pushed market estimates of the odds of a rise in official interest rates before the end of 2017 to more than 50 %.

In a study of retailers in the United States, Britain and other European countries, Professor Adrian Beck and Matt Hopkins of the University of Leicester in England said the use of self - service lanes and smartphone apps to make purchases generated a loss rate of nearly 4 percent, more than double the average.

Savers are being warned that greatest - purchase fixed - phrase bonds that pay out much better rates than their nearest rivals could not be all that they seem to be.

According to this theory, if, for example, the U.S. inflation rate is higher than the Canadian inflation rate, then the purchasing power of Americans will erode compared to that of Canadians, and the value of the U.S. dollar against the Canadian dollar will be adjusted in the markets to balance the purchasing power of the two currencies.

Not only that, they are making purchasing decisions at a faster rate than ever before.

As an investor's investment horizon lengthens, however, a diversified portfolio of U.S. equities becomes progressively less risky than bonds, assuming that the stocks are purchased at a sensible multiple of earnings relative to then - prevailing interest rates.

The Philippine peso dropped from its strongest rate in more than four years as importers began purchasing up dollars.

Rather than clicking away to a merchant's site, the Buy button lets you complete the entire purchase flow within Facebook, which could boost conversion rates and endear retailers to the social network.

However, because assessed values rise to the purchase price when a home is sold, new homeowners can expect to pay higher rates than that.

Respondents who expected their income to lose purchasing power (go up less than inflation) delayed gratification at a lower rate compared to those who expected to maintain the same purchasing power with their income.

Debt - free households purchased more expensive homes, put down a larger down payment, and paid a lower mortgage interest rate than indebted households as well.