Sentences with phrase «rates than term»

Whole Life Insurance — Offers lifetime coverage with higher rates than term life, but builds cash value inside the policy over time.

Since permanent life insurance policies have much higher rates than term policies, and most financial obligations go away over time, term life insurance is typically the better option for most people.

Since permanent life insurance policies have much higher rates than term policies, and most financial obligations go away over time, term life insurance is typically the better option for most people.

Not exact matches

Interest rates on 15 - year mortgage terms are typically lower than those on longer - term loans because the shorter duration of the loan makes it less of a risk to the lender.

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

In fact, banks» terms allow them to be slower to raise rates on savings products than they are on loans.

So there's almost more concern for locking in a long - term rate of income than there is for just maybe catching a higher yield at one point in the cycle in the front end.

Suddenly, the freshness rating of a film became more important than audience interest in terms of success — even though data scientists have found that the score doesn't affect the box office.

By this time next year, short - term rates might be a full percentage point higher than today.

Private equity returns remained strong but were lower than the prior year quarter, while income from our fixed income investment portfolio increased due to a higher average level of fixed maturity investments and higher short - term interest rates.

Rather than offering a promotion on a wide array of products or services, the paradox of choice suggests that narrowing down to one or two options will be drive more sales in the long - term and decrease return rates.

Though it's called the burn rate, that term doesn't really capture the drip - by - drip unease of spending more money than you're making as you race to build something that catches on before the cash runs out.

If she wants to turn around those ugly ratings, Clinton is going to have to come to terms with three big issues that simply will not go away, and sooner rather than later:

The mounting pessimism about the U.S. economy's long - term growth argues for keeping rates lower than has been usual.

If investors really thought interest rates were headed upward, you would expect longer - term rates to jump by a lot more than that.

After all, these were clients who were already locked into mortgages with even lower rates and better terms than BMO's.

The caveat with this method is that bonds and annuities typically come with long - term interest rates, and from a wealth perspective, that's more dangerous than short - term ones.

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.

The loans range from $ 500 up to $ 350,000 or more, with interest rates that are slightly higher than bank rates and terms that are in line with conventional loans.

For SBA loans between $ 25,000 and $ 50,000, maximum rates are not permitted to exceed 3.25 percent (for loans that mature in less than seven years) and 3.75 percent (for loans with longer terms of maturity).

The analysts, who have an «overweight» rating on the stock, also highlighted that the company has more than $ 3.5 billion in cash and short - term investments, a comfortable buffer.

They have relatively low default rates and terms that are often better than traditional banks, according to the NCUA and Federal Deposit Insurance Corp. (FDIC).

If the wrong term is selected, a tenant will likely end up paying more in rent for a space that doesn't work for the company than what was saved by paring 5 percent from the asking rental rate.

«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.

The terms of the deal will allow Pfizer to domicile in Ireland, where corporation tax is just 12.5 percent, significantly less than the 40 percent rate charged in the U.S.

In addition, mortgage lending, which is tied to long - term Treasury rates, is less important for the big banks than it used to be.

Rock - bottom rates are nothing new, but lending terms are longer than ever.

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.

If you're talking about a new project with no significant investment already deployed, building a new mine if you expect today's prices to hold in the long term is a tough call — a 50 - year oil sands project is a lot of risk for less than a 10 % rate of return — but even there, you can see the impact of the lower Canadian dollar and the hedge provided by a royalty regime which lowers rates when prices are low.

«Largely for this reason, we are revising our near - term forecasts for the funds rate, and see two fewer hikes through the end of 2017 than we did previously.»

In 2007, a paper published in the Journal of Personality and Social Psychology described perseverance and passion for long - term goals as «Grit» (a non-cognitive trait that measured persistence), and rated it of equal or greater value than IQ and talent.

The simplified explanation for this aberrant investing disaster was a dramatic rise in interest rates during the period: Rates on long - term government bonds went from 4 % at year - end 1964 to more than 15 % in rates during the period: Rates on long - term government bonds went from 4 % at year - end 1964 to more than 15 % in Rates on long - term government bonds went from 4 % at year - end 1964 to more than 15 % in 1981.

Banks» terms allow them to be slower to raise rates on savings products than they are on loans and credit cards, according to Nick Clements, co-founder of MagnifyMoney.com.

In crass media terms, having a lot of Trump coverage could be seen as an attempt to attract viewers and thus boost ratings numbers, rather than a biased political choice.

Rather than a traditional offsetting relationship at this early point of the tightening cycle, the near - term interest rate outlook and the near - term profits outlook are both negative.

When Bernanke's taper talk caused long - term interest rates to rise much faster than the Fed intended, one of the ways in which the central banks sought to allay market fears was to stress that it would keep short - term rates steady until the jobless rate had reached at least 6.5 %.

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.»

While most economists thought short - term interest rates would end 2016 at 1.2 %, we said rates would go much higher than that, perhaps as high as 2.6 %.

If you're talking about a new project with no significant investment already deployed, building a new mine if you expect today's prices to hold in the long term is a tough call — a 50 year oil sands project is a lot of risk for less than a 10 per cent rate of return — but even there, you can see the impact of the lower Canadian dollar and the hedge provided by a royalty regime which lowers rates when prices are low.

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.

AFR rates change monthly and vary depending on the loan term, but are generally lower than market rates.

As of August, short - term loans for less than three years had a monthly rate of 0.48 percent; midterm loans between three and nine years were at 1.80 percent; and long - term loans extending beyond nine years were at 2.78 percent.

A return to the long - term VT - deformation trend at Campi Flegrei may thus occur at uplift rates and VT event rates slower than observed during previous emergencies.

That means that, while tax rates in Madison County aren't especially high, homeowners in the county pay more in dollar terms than homeowners in any other Mississippi county.

The table below shows which of the SDGs female leaders» rate more highly than men in terms of their potential to drive new opportunities.

If you wish to receive the specific entry and exit prices for our best stock and ETF trades, such as those discussed in the above video, sign up for your risk - free trial subscription of our short - term trading newsletter, The Wagner Daily (less than $ 2 per day based on annual rate).

If they want room for short term rates above 0 they will have to get long term rates up and I don't see any control input other than the inflation target to move them.

Since the length of the loan term is longer, 30 - year fixed mortgage rates tend to be higher than 15 - year fixed mortgage rates.

«Taking this generation's diversity into account, our forecast for household formations over the next five years is 6.50 million to 6.75 million, or 1.30 million to 1.35 million per year, which is over 30 % higher than the long - term average rate of household formations,» Tirupattur says.

In terms of the interest rate risks, It's more of an opportunity cost than a real «hit from rising interest rates», assuming you hold to maturity.