Sentences with phrase «result of a lower interest rate»

While the fate of borrowers and the housing market are concerns for the future, there are already people suffering today as a result of low interest rates: savers and retirees.

As a result of the low interest rate environment, bonds today are primarily a portfolio diversifier.

The last point is important — borrowers who refinance credit cards are typically improving their financial standing almost immediately as a result of lowering their interest rates, reducing their monthly payment, and converting revolving debt into an installment loan.

A reduction on your monthly payments can be the result of a lower interest rate, lower administrative costs and insurance costs, longer repayment programs or a combination of all the above.

This is certainly one result of low interest rates that are meant to encourage borrowing, spending and inflation.

A number of insurance companies were trading below book value with limited sight to growth as a result of low interest rates.

Allyn Hughes wrote this summer that, «as a result of the low interest rates and investment returns, insurance companies are likely to earn less on their portfolios,» which, naturally, leads to insurance companies raising prices in order to recoup those losses.

As a result of the low interest rates and investment returns, insurance companies are likely to earn less on their portfolios, which in turn leads to premium increases for whole and term life policies.

The result of low interest rate mortgages.

Not exact matches

That might be a sign of fiscal prudence, but it's also the result of record low interest rates that ease debt - carrying costs.

I would encourage you to remember that the current low levels of interest rates, while in the first instance a reflection of the Federal Reserve's monetary policy, are in a larger sense the result of the recent financial crisis, the worst shock to this nation's financial system since the 1930s.

Borrowers should keep in mind that lower interest rates at the beginning of a loan result in more actual savings than lower interest rates towards the end of a loan since the principal is lower as time goes by (interest charged is a percentage of the current loan balance).

The efforts of central banks to stimulate activity through monetary measures has succeeded in keeping interest rates very low, but have not resulted in any significant uptick in real economic activity.

While the interest rates it advertises online tend to be lower than most banks or direct lenders, a quick look at the underlying assumptions shows that these rates are the result of factoring in mortgage discount points, which must be paid for upfront as an extra item in your mortgage closing costs.

In addition, based on the relatively unusual combination of overbought, overbullish conditions, inflation pressures, and the like, I once again staggered our put option strikes, which results in a lower «implied interest rate» earned on our hedges, in return for tighter protection in the event of an abrupt market selloff.

Profile # 2: Consumer with 621 to 699 Credit Score, Home Value of $ 198,000 and 10 % Down Payment Lowering the credit score in the second profile resulted in higher interest rates and APRs.

Having your loan tied to a part of your home's value usually results in lower interest rates, Drake says, but someone with a good income and a high credit score may be able to get a low rate on a personal loan or peer - to - peer loan.

The European Central Bank's ultra-low key interest rate, while appropriate for the ailing PIIGS nations, is too low for faster - growing Germany resulting in negative real interest rates and fears of inflation.

In addition, terms and conditions in the leveraged - loan market, which provides credit to lower - rated companies, have eased significantly, reportedly as a result of a «reach for yield» in the face of persistently low interest rates.

An end of QE would likely result in higher long - term interest rates, which have been pushed to historic lows on account of the Fed's massive bond - buying program.

The resulting high level of interest rates in the wholesale money market, the main source of funds for lenders such as mortgage managers, made it difficult for potential new lenders to compete with banks, who had access to low - cost retail funding.

Third, on - going (and possibly higher) structural deficits are acceptable provided they are the result of investments to strengthen economic growth, financed by long - term interest rates low enough to make them affordable.

The effects on the US share market, on the other hand, have been mixed: there have been some benefits from lower interest rates but the profit results of US companies are increasingly showing signs of adverse impacts from Asian competition.

As a result, we believe the Fed's ultimate target for interest rates when normalizing monetary policy could remain relatively low, unless pricing pressures that are more typical of previous late - cycle economic expansions start to emerge.

One interesting idea raised in the paper is the proposal that night owls have a higher morbidity rate due to greater exposure to artificial light and, as a result, lower levels of melatonin.

These results are especially interesting as soy proponents often claim that Asians have lower rates of colorectal cancer because they eat more soy.

TIFIA interest rates are lower, which will result in financing cost savings of approximately $ 100 million, and TIFIA - secured loans have allowed LACMTA to maximize debt capacity.

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.

After 20 years have passed, Mary and Joe will have preserved an extra $ 75,577 in home equity as a result of lower MIP and interest rates.

The refinance results in a lowering of the borrower's monthly principal and interest payments, or, under certain circumstances, the conversion of an adjustable rate mortgage (ARM) to a fixed - rate mortgage.

By combining several private student loans from a number of creditors, a private student loan consolidation plan can lower interest rates, extend payment terms and result in lower monthly payments.

The interest rate reduction for authorizing our servicer to automatically deduct monthly payments from a savings or checking account will not reduce the monthly payment, but will reduce the monthly finance charge, resulting in a lower total cost of loan.

«However, for low - to - moderate UPB borrowers taking out larger amounts of equity — again narrowing the scope to borrowers that will continue to itemize — the post-tax math may now favor cash - out refinances instead, even if it results in a slight increase to first - lien interest rates.»

Auto loan rates are at historically low levels as a result of an overall low interest rate environment.

When you pay extra on an adjustable - rate mortgage, you trim the loan balance faster than scheduled, and that should result in lower monthly payments when your rate next adjusts — unless the interest rate adjusts higher and that swamps the impact of your extra principal payments.

As a result, interest rates are rather low and the borrowers have the advantage of shopping for the best rates, terms, and conditions.

In most cases, an VA streamline refinance must result in a lower interest rate — that's a fundamental rule (and benefit) of these types of VA loans.

As a result, scores of 760 and above are considered to be in the best range from a mortgage lender's perspective — meaning you'd qualify for the best (meaning lowest) interest rates, says Richard Redmond, mortgage broker at All California Mortgage in Larkspur and author of «Mortgages: The Insider's Guide.»

In order to improve the overall economy, the government believes that these lower interest rates will result in a larger number of young college grads, which will then lead to more jobs and an improved economy.

A lower interest rate will result in a higher calculation of the principal limit at the beginning of the loan.

As a result of events around the globe, interest rates have been low over the last few years.

This type of loan gives you the benefit of paying lower interest rate on balloon loans than 30 - and 15 - year fixed mortgages, resulting in lower monthly payments, asking for very little capital outlay during the life of the loan.

This is a result of the ultra-low interest rate and quantitative easing (QE) policies that have spread low interest rates across the curve.

Apartment renters also moved out to take advantage of the first - time home buyers» credit, lower interest rates and better housing deals that came as a result of the recession, according to The Columbus Dispatch website.

If you have a great deal of high interest rate debt, increasing the size of your fixed rate mortgage with a refinancing (even if you end up with a slightly higher mortgage rate than what you currently have) may result in lower overall interest costs.

If the Germans had decided to issue bonds to striking workers instead of money, bond prices would have been driven to ridiculously low levels, driving interest rates to extremely high levels, creating an unwillingness to hold currency (which does not bear interest), resulting in a rapid deterioration in the value of money, and hyperinflation just the same.

While the interest rates it advertises online tend to be lower than most banks or direct lenders, a quick look at the underlying assumptions shows that these rates are the result of factoring in mortgage discount points, which must be paid for upfront as an extra item in your mortgage closing costs.

However, the extra interest paid could be considered an investment in building a great credit history, and paying the loan off will usually result in lower rates of interest on subsequent loans that you might take out from the same lender.

As a rule of thumb, higher FICO scores result in lower interest rates and more favorable terms.