Sentences with phrase «term rates»

Investing in equities when the ratio is high has increased investment risk and provided lower long term rates of return than passive strategies.

What if the investment portfolio tanks, or has a lower / higher long term rate of return.

For policyholders of return of premium policies, constant payment is essential for the first five to six years to avoid loss of premium or declined term rates in the meantime.

That pace would put short - term rates at about 1 % by the end of 2016.

Over the past few years they have watched the shorter term rates for 5 year term mortgages continue to drop to under 3 % and they feel they may have made a poor decision.

The premiums you pay for term insurance are lower at the earlier ages as compared with the premiums you pay for permanent insurance, but term rates rise as you grow older.

It also plans to keep a key short - term rate near zero until unemployment drops below 6.5 per cent.

The «usual shape» of the yield curve is positive; that is, with short term rates lower than long term.

We should embrace short - term rate increases when growth is strengthening and the long rates are also moving higher.

Any unexpected effects could disrupt equity markets and potentially put near - term rate hikes on hold.

Hence they are trying to mitigate the future risks by keeping long term rates high.

But it's likely you'll see at least modest increases, starting with longer terms this year, followed by shorter - term rates as well.

It's also subjected to a yearly renewable term rate for up to three years with benefit amounts as low as $ 100,000.

They raise short - term rates with the objective of making that new capacity more expensive and less likely to be built.

I was surprised that longer - term rates didn't just rise a little — they fell altogether.

Meanwhile, long - term rate locks while cost higher percentages, but offer a better security blanket should the loan process take longer than expected.

See, sample 10 - year level term rate chart to get a rough idea of what a basic policy will cost.

Long - term rates fall in anticipation of the beginnings of a cycle of reductions in the fed funds rate, and the cycle comes full circle.

In 2012, 13 % of mortgage requests were for 10 - year fixed term rates; in 2015 this had dropped to just 1 %.

We currently work with 40 + insurance companies and are only loyalty to them is the one that offers you the cheapest term rate possible.

Moreover, the cost of the insurance can fluctuate as it depends on the current term rates which may increase or decrease.

The average term rate has dropped by an average of 5 % every year for the last ten years.

If term rates continue to fall, then you can purchase a new policy for the entire amount.

If it acts too aggressively to curb inflation by forcing short - term rates too high, it could choke off home sales.

Higher long - term rates drove a rotation within equities during the second half of 2016.

For example, many companies quote term rates without asking health questions, which may result in higher rates to the insured.

With long term rates dropping from 14 % in 1985 to 5 % in 2003, the amount that can be bought for the same monthly payment rises dramatically as rates fall.

It's probably smart to have some cash on hand... to be prepared for credit markets to tighten unexpectedly... and to lock in long - term rates where you can.

We have seen the spread between the short and long term rates become slim which creates the opportunity for discussion.

This annually increasing renewal premium scale differs from Annual Renewable & Convertible Term rates in that the premiums are much larger.

Buying life insurance with short term rate guarantees is the most affordable option and provides peace of mind in these tough economic times.

By comparing term rates we can help you save a significant amount of money.

Kind of funny timing since they just increased their regular term rates.

Term rates tend to be constant for the life of the policy — 5 to 30 years — but coverage is like a lease: it expires when the policy does.

This short - term rate helps determine money market rates, checking account rates, short - term CD rates, and even egregious credit card rates.

He checked local tidal gauges, revealing that seas in the region were rising nearly 10 times faster than the long - term rate recorded in that region.

But other economists say that the very low short - term rates made adjustable - rate subprime mortgages, those with the worst default rates, more attractive than they otherwise would have been.

The investment holders of the underlying mortgage loans and the lower shorter - term rates paid directly to the known investors.

They may be able to raise short - term rates less than they otherwise would because now they have this second dial to tighten monetary policy.

Such low long - term rates suggest that markets currently expect both low inflation and low real interest rates to continue for many years.

An increase in the spread between short - term and long - term rates therefore benefits banks.

They don't pay that rate but it is a metric used to qualify for access to the variable or short term rate products.

In other words, they expect intermediate term rates will climb in 2015, and yet, the projections merely approximate where 2013 ended.

We regularly receive short - term rate promotions that are not posted online, which means our rates change frequently.

We currently work with 40 + insurance companies and are only loyalty to them is the one that offers you the cheapest term rate possible.