Sentences with phrase «so than rates»

Conventional loan rates are heavily based on credit score, more so than rates for FHA loans.

Not exact matches

So special tax rates for smaller companies hurt economic growth rather than enhance it.

«The difficulty is that the growth rate has been little more than the increase of supply, so we have growth... but very modest declines in the unemployment rate,» he said.

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.

The unemployment rate is a useful statistic but far from a perfect one, so I believe the caller was right to focus on employment rather than unemployment metrics.

But with the economy growing so much faster than projected, policy makers may well feel compelled to advance their plans to raise interest rates in order to keep up.

The down payment should always be large enough to make the purchaser feel like an owner rather than a renter, and the payments should be timed so that the item is paid off at a faster rate than it is likely to depreciate from use.

«First, because it's a very limited downgrade, only on two out of three banks, and especially since Moody's rates them better than the other two agencies (Standard & Poor's and Fitch), so, in reality, it put them at the same level or even slightly higher than the other agencies.»

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.

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.

These risks and uncertainties include, among others: the unfavorable outcome of litigation, including so - called «Paragraph IV» litigation and other patent litigation, related to any of our products or products using our proprietary technologies, which may lead to competition from generic drug manufacturers; data from clinical trials may be interpreted by the FDA in different ways than we interpret it; the FDA may not agree with our regulatory approval strategies or components of our filings for our products, including our clinical trial designs, conduct and methodologies and, for ALKS 5461, evidence of efficacy and adequacy of bridging to buprenorphine; clinical development activities may not be completed on time or at all; the results of our clinical development activities may not be positive, or predictive of real - world results or of results in subsequent clinical trials; regulatory submissions may not occur or be submitted in a timely manner; the company and its licensees may not be able to continue to successfully commercialize their products; there may be a reduction in payment rate or reimbursement for the company's products or an increase in the company's financial obligations to governmental payers; the FDA or regulatory authorities outside the U.S. may make adverse decisions regarding the company's products; the company's products may prove difficult to manufacture, be precluded from commercialization by the proprietary rights of third parties, or have unintended side effects, adverse reactions or incidents of misuse; and those risks and uncertainties described under the heading «Risk Factors» in the company's most recent Annual Report on Form 10 - K and in subsequent filings made by the company with the U.S. Securities and Exchange Commission («SEC»), which are available on the SEC's website at www.sec.gov.

«(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.»

However, rewards credit cards often carry higher interest rates and fees than traditional cards, so they don't make financial sense for everyone.

The Bank won't sit still for inflation over 2 %, so a rate rise is now more likely than ever.

In doing so, they have managed to maintain a success rate a lot higher than the average VC.»

Macron has said he hopes to pool liability for various kinds of debt: a completed banking union would ensure bailout costs for individual financial institutions would be distributed across the continent rather than borne by individual countries, and the so - called Eurobonds would allow national governments to borrow money against a joint continental credit rating.

«The startups in the tech incubator Y Combinator, whose acceptance rate is less than 3 percent, change products and markets so frequently that the idea they applied with is often irrelevant to the final product,» said Paul Graham of Y Combinator.

Since Europe is so small, when a cellphone user from one country enters another, rather than pay high roaming rates, they just slip in a SIM card from the new country and take advantage of local rates.

The company has also added more than 30,000 new customers in its DSS division so far this year, 42 % above the average growth rate, which will give revenue a boost.

Today's decision will be a judgment call more so than any of Poloz's decisions to date, with the possible exception of January's shock rate cut.

So for someone making more than $ 1 million, instead of paying 12 percent on their first $ 45,000, they would pay the top rate of 39.6 percent.

«We know that our system right now encourages the wealthiest Canadians to set up a private corporation so they can pay a lower tax rate than middle - class Canadians.

According to FiveThirtyEight, the dismal approval rating makes this plan the least popular tax bill in at least 30 years — even less so than two in the 1990s that increased some taxes.

We use happiness ratings at Wistia not to understand who's better than whom, but to learn from negative customer experiences so we can improve.

With interest rates so low, stocks are better than bonds, but the Canadian market, he says, should see mid-single-digit returns.

Even so, new projections released by the Fed show that officials expect three quarter - point rate hikes next year, one more than was forecast in the September projections.

That was so much better than hearing through the grapevine that the air - conditioning was second - rate.

At the same time, the rate of self - employment has barely budged so it seems clear that much of this big shift has been tax - motivated rather than reflecting changes in actual economic activity.

So if you're rethinking your own company's level of LGBT policies and activism in the wake of the Nike - Pacquiao news, keep in mind that your culture's openness to LGBT employees is more than just a rating in an index, or a public stance against a celebrity's remarks.

There seems to be an unwritten code of entrepreneurship that suggests every available penny be invested in building and expanding your business, so the emergency savings rate for business owners could be even worse than that of the general public.

In Venezuela, for example, the government has not consistently released homicide data (though it did this year), so to find the rate for Caracas, the Council made an estimate based on entries at the Bello Monte morgue — though, as the Council admits, that morgue receives bodies from an area much larger than Caracas itself.

Sonnet aims to bring small companies better rates by «aggregating all of our buyers» requests so that we can go to market as a bigger player than they can,» explains Dan Carmel, a Sonnet vice-president.

Carney was quick and decisive in slashing rates during the crisis, more so than other central bankers, but the sustained period of low rates has led to a record amount of household debt and other problems.

Anyone who ever had a significant other knows that women rate Valentine's Day higher than Christmas, and men think so little of it that they have to remind each other the day is nearing.

New York's top local rate is 3.648 % (so, the top marginal tax rate for a New York City resident isn't 43.97 %, but 47.618 %, higher than Ontario's and almost as bad as Quebec's).

So 3.8 million global members is still likely less than a 4 % penetration rate.

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.

This is why the deal makes so much sense: AOL provides the technology to target individuals instead of content, and Verizon the ability to track those individuals — at least the over 100 million customers they already have — at arguably a deeper level than anyone else in digital advertising (for non-Verizon customers, AOL's ad platform is still useful, albeit not as targeted; rates would be commensurately lower).

Anbang has been a leader among insurers when it comes to using so - called wealth management products, a class of lightly regulated investments that promise higher rates of return than conventional investments, but that also carry higher risks that may or may not be disclosed.

I have ignored reasons that might justify lower discount rates or higher GDP adjustments for China mainly because the purpose of this essay is to explain why the U.S. multiple is so much higher than China's, and of course these reasons exist, but I think whatever the correct ratio should be, there is no question that advanced economies always justify higher multiples than developing economies because they tend to be economically more diversified and politically more stable, and they usually have institutions, including clearer legal and regulatory frameworks, more sophisticated capital allocation processes, less rigid financial systems, and smaller state sectors (which make smooth adjustment, one of the most valuable and undervalued components of long - term growth, more likely).

Seems to me that this is the very worst time to increase rates, and doing so would cause more damage to our economy; but I believe this administration would do anything to make us believe things are better than they really are, at the expense of everyone's financial security.

So long as you hold onto these stocks, they will hopefully grow at a faster compounded rate than non growth stocks and cause no tax liability.

This is a bit faster than our current estimate of trend growth in the Australian economy, so we expect to see a gradual decline in the unemployment rate.

So Apple would need to invest in moonshots at more than 10 times Alphabet's rate just to stop its cash pile from growing.

So far, however, Fed officials have treated the stronger economic news as a reason to carry out their plans for gradual rate hikes, rather than as a reason to start raising rates more quickly.

Pass - throughs will counter that in many cases, people who own stock through 401 (k) s and IRAs don't have to pay capital gains or dividend taxes, and so their profits are only taxed at the corporate rate, which is lower than the top individual rate (and would be much lower under this plan), putting pass - throughs at a potential disadvantage.

So yes, interest rates fell during that period, but stock yields fell far more than can be attributed to the decline in interest rates alone.

So it's better to think about changes in commodity prices in terms of the terms of trade than on the exchange rate.

Well, it will certainly lift the rate of return investors expect from stocks, but bulls insists that with earnings growing 20 percent this year, the expected return may be sufficiently high, so that there will not be any shift out of equities, that corporations are going to make enough money to more than compensate for higher rates.

So if investors expect short - term rates to be zero for another 4 years, it would be reasonable for stocks and bonds to be about 16 % higher than historical valuation norms.