Sentences with phrase «rather than the market rate»

Reasons for the disparities could include an «unconscious bias during the interview process that determine a candidate's salary based on what he or she was previously making, rather than the market rate for that individual's skills and years of experience,» one study notes.

Those include city programs meant to protect and promote rent stabilization, and loans and tax breaks to landlords who keep affordable units or charge elderly and disabled tenants stabilized rents rather than market rates.

Not exact matches

Redfin CEO Glenn Kelman discusses inventory being the problem in the housing market rather than rising mortgage rates.

Giving 25 % of the market rate for a position each year, rather than a lump sum grant that covers the next four years, will smooth out the vesting process so the employee never reaches a cliff.

Just keep the three tips listed above in mind as you write your copy, and you'll be on your way to boosting your marketing message response rates sooner rather than later.

Conversion rate optimization is the marketing art of maximizing your investment in existing site traffic, through improvements and problem - solving rather than additional ad spend.

Despite the mainland's capital controls, its bond market joined the global market ructions on Thursday after the U.S. Federal Reserve surprised by saying it expected to hike interest rates three times next year, rather than the previously forecast two hikes.

Persistently low interest rates, weak inflation and a lack of supply relative to demand for bonds leaves Rieder advocating for equities rather than the fixed income market.

To do so would either create massive hyperinflation (devaluation) of our current fiat currency, massive swings (politically rather than market driven) in the price of the metal, or create such a high conversion rate as to be nearly meaningless.

When Newmark Knight Frank's December IPO disappointed at $ 14 a share rather than the firm's anticipated $ 19 to $ 22, for example, analysts blamed investor fears that rising interest rates would harm the commercial real estate market.

Their cost of capital is a function partly of low interest rates and part of the implicit share price is a function of the fact that investors have looked at equities for dividends rather than bonds for yield because the bond market is so expensive.

This is a market - based estimate of the amount of fear in the bond market Bass - rated bonds are the lowest quality bonds that are considered investment - grade, rather than high - yield.

Conclusion In general, the historical movement of inflation provides evidence that real rates of return on T - bills will revert closer to historical norms rather than what we experienced during the Great Bull Market.

ANALYST TAKE: «Markets never have been convinced about a rate hike this year but these reports have once again tipped the balance back in favor of a March 2017 move, rather than December, while September is only 15 percent priced in,» said Craig Erlam, chief market analyst at OANDA.

The Federal Reserve may not have raised rates this month as many had anticipated, but, by and large, most economists and market experts say rates are headed higher, and sooner rather than later.

The Spirits International Prestige (SIP) Awards — a distinguished spirits competition where consumer palate is king and brands receive ratings based on merit rather than marketing — were held July 30th at SHe by Morton's, a stylish, boutique steakhouse located on the Las Vegas Strip.

Every product tested is displayed in the product ratings with a rating of one, three or five stars so you can look up the products you purchase — and make informed future purchasing decisions based on science rather than marketing terms and manufacturer supplied data.

Think of it like this, if you have a loan with an interest rate of 3 %, but you have stock market investments that continually return at 7 %, it is more profitable to maintain some level of investment rather than pay down all your debt in a sprint.

A critical flaw of the current system is that the «slab» structure of the tax causes distortions in the market as rates are applied to the entire value of the property, rather than the marginal value above each threshold.

The Rent Stabilization Association advocates a slow turnover of stabilized apartments to market - rate, rather than a wholesale switch, Strasburg said.

His highly - touted affordable housing plan has focused on production rather than preservation, produced units that will not be affordable for too many low and moderate - income New Yorkers, and will unleash the forces of gentrification and displacement in marginal neighborhoods which will see an influx of market - rate housing.

Given the emerging national market — with providers like K12 and Connections Academy present in dozens of states — it would be feasible to focus not just ratings, but in - depth analysis on just a dozen or so providers that serve tens of thousands of students, rather than the thousands of schools that sites like GreatSchools need to populate ratings for.

The Great Stagnation of American Education New York Times, 9/7/13» [Professor] Richard J. Murnane, an educational economist at Harvard, has found evidence that high school and college completion rates have begun to rise again, although part of this may be a result of weak labor markets that induce students to stay in school rather than face unemployment.»

U.S. News & World Report may offer crummy ratings, but the solution is having more independent reviewers (as the market has provided) rather than crowding them out with a single government rating system that is subject to political pressures.

Clearly, from the prior presentation, I favor assistance that is targeted on families in need, subsidies that are generous enough to allow lower - income families to purchase center - based childcare at market rates, budget neutrality, assistance for childcare itself rather than a universal allowance that the family can spend on anything, and childcare and education savings accounts as the delivery vehicle.

«We found that by offering a product with IAP, rather than other monetization types, our conversion rates went up, as did our revenue, on a per - title basis,» said Larissa McCleary, Director of Marketing at G5 Entertainment, Inc., creator of Virtual City Playground and Mahjong Artifacts.

And since US Bank's market tends to cover states that had lower rates of complaints, its apparent advantage in this area may be the cause of geographic contrasts rather than superior quality of service.

That is because the Fed funds rate is down at the zero bound, and monetary policy is being conducted through «credit easing» — using the Fed's balance sheet to benefit troubled lending markets, rather than the economy as a whole.

In sum, when rebalancing a portfolio either on a fixed schedule or as a result of divergence from prior allocations, investors should take into account a broader market and interest rate context, rather than just follow rigid rules.

My point is that as long as the interest rate you are borrowing at is lower than the rate you can reasonably get in the market, you would be better off to invest rather than pay down the mortgage.

Rather than paying a fixed interest rate, these offer you a range of returns: if the stock market performs well you get some of that upside, and even if the market goes down your principal is guaranteed.

But in 2010, after their loan origination rate fell rather abruptly by more than 50 %, Citibank sold its entire student loan business to Sallie Mae and Discover, both of which continue to be large players in the student loan market.

Variable rates are not evil in and of themselves; home owners simply get themselves in trouble by focusing only on the low interest rate rather than the plan to actually pay back the loan before the bank raises the rate or the market changes cause an increase in the monthly payments of a home owner.

Even after the deduction (4 % interest rate) I'd rather take the guaranteed payoff than the unknown of what my money might do in the market.

Rather than shunning them, investors and lenders were aggressively marketing mortgages of all stripes back in late 2005 and early 2006, a prior episode of 30 - year fixed rates climbing above the 6 percent mark.

Bond market traders, who are the most likely to put their money where their forecasts are, are currently wagering on a rate cut in the next year rather than a rate hike.

New interest rates are calculated based on the borrower's credit history and overall financial health, as well as current financial market conditions, rather than the weighted average of the included loans.

Persistently low interest rates, weak inflation and a lack of supply relative to demand for bonds leaves Rieder advocating for equities rather than the fixed income market.

But as an initial step getting the money out of your checking account and into a money market account should allow you to earn a higher rate of interest and make you less likely to spend rather than save that money.

In fact, money market rates are currently running below the rate of inflation, so you would lose rather than gain purchasing power over the long run.

Individual borrowers who expect to prepay their loans early should generally favor a combination of lower principal balance and higher interest rate (which stops accruing after prepayment), rather than a below - market interest rate and higher principal balance (which much be paid in full, regardless of prepayment).

We have maintained for some time that it was «availability of credit» rather than interest rates, «the price of credit», that has driven the recent hot housing market.

However, your point about the reason for the tight VRM / FRM spread being more due to banks increasing the VRM / BoC spread rather than the market's collective wisdom (indirectly through the bond market) on future interest rates is well taken.

While the housing market tends to do especially well when the job market improves and mortgage rates decline simultaneously, that combination of events occurs only rarely... People buy homes when their job and income prospects improve — even if it's more expensive to do so — rather than buy when it is inexpensive to do so but they're worried about keeping their jobs.»

Since student loan interest rates tend to be lower than the average rate of return from the stock market, it makes mathematical sense to invest rather than pay off student loans early.

Let the market make the determination, in real time, rather than the troubled credit ratings agencies operating with a lag.

While bonds can fluctuate from day to day based on the movements of market interest rates, they're generally considered income investments rather than growth investments.

The government interest rates are tied to the previous auction of the ten year treasury note rather than tied to the market.

«Markets should be focusing on quantitative monetary policy rather than interest rate policy.»

Rather than changing rates automatically like variable - rate CDs, step - up CDs offer you a limited opportunity to reset your rate if market rates generally rise.