Sentences with phrase «than the interest rates associated»

Not exact matches

According to Aitken, borro's rates — 2.99 to 3.99 percent in monthly interest, plus 5 to 7 percent in setup fees — are often lower than the cost associated with selling personal assets by auction.

An APR takes any fees associated with the loan (like origination fees) and wraps them up into a (higher) percentage rate than the interest rate you may see quoted.

The lower risk associated with a secured loan often results in a lower interest rate than an unsecured personal loan would carry.

The disadvantages associated with these lots are higher - than - average interest rates, a limited selection of vehicles to choose from and possibly having to make payments on a weekly or biweekly basis.

While the costs associated with the issuance of bonds are important, a sound transaction: one which lowers the overall interest rate on the bonds will return a far greater savings to an issuer than the costs of bonding.

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.

Due to the increased risk associated with fluctuating payments, 5/1 ARMS usually have lower introductory interest rates than traditional 30 - year fixed - rate mortgages.

Rates are typically slightly higher than those associated with a Signature Loan, and you pay only for the amount you borrowed plus interest based on the outstanding balance.

Those with lower credit scores might find themselves with a higher interest rate, but if you have decent creditworthiness, the interest on the Discover it ® card will be much lower than the one - size - fits - all rate associated with the Express Next card.

Investments in real estate investment trusts (REITS) involve special risks associated with an investment in real estate, such as limited liquidity and interest rate risks, and may be more volatile than other securities.

A measure of the cost to you for borrowing money, the APR includes your interest rate, points, fees and other charges associated with your loan — that's why it's usually higher than your interest rate.

In order to lessen the level of risk associated with this type of deal, bad credit lenders charge higher interest rates than other lenders.

Under the new commission - free plan, ECN fees are charged on the trade and the interest rate associated with trades in this account are 1.5 % points higher than the standard margin rates.

Neil Gross of FAIR Canada is concerned that with interest rates so low, it's easier than ever to make a compelling pitch for borrowing and investors may not realize the inherent conflict of interest associated with this practice.

Interest rates associated with a 15 - year mortgage are usually 1/4 - 1/2 % lower than a 30 - year mortgage.

These borrowers are associated with a higher risk of defaulting on their loan payments or on the loan as a whole, and to offset that risk they will be charged much higher interest rates than traditional mortgages.

The interest rate will be reflection of your creditworthiness as well as prevalent market rates but will almost always be less than the APR associated with credit cards.

Generally, the interest rate on an unsecured loan will be higher than a secured loan because there is greater risk involved (no collateral associated with the loan).

«When you elect to modify a loan, there can be no changes other than the rate of interest associated with the loan,» says Pasqualini.

Remember that while interest rates may be lower than through a traditional lender, there may be associated fees with a P2P loan that you'll need to take into consideration.

The interest rates associated with subprime mortgages have been higher than those associated with prime loans.

This, they do by charging higher interest rates than banks and leaving fees associated with the mortgage to the clients.

Used cars tend to have higher interest rates than new vehicles due to their lower resale values and the higher risk associated with financing a car that's potentially less reliable.

Due to the high risk associated with the bad credit mortgages, private lenders tend to charge higher interest rates and fees than banks.

Interest rates on commercial loans are also generally higher than residential loans, and there can be penalties or fees associated with paying off a loan early.

Meaning, no matter how low the Prime Rate drops, the interest rate associated with the account will not go any lower than the predetermined minimum cRate drops, the interest rate associated with the account will not go any lower than the predetermined minimum crate associated with the account will not go any lower than the predetermined minimum caps.

The lender will likely provide the loan at a higher than average interest rate to cover the potential risks associated with a lower credit score.

The lower risk associated with a secured loan often results in a lower interest rate than an unsecured personal loan would carry.

Online lenders will often have better deals than banks, as the lack of overhead (no costs associated with opening branches all over the country) means they can charge lower fees and interest rates.

Although they suggested different means of implementing this approach (e.g., averaging the interest rate for the years in which the students in the cohort period received loans, or using the interest rates associated with the median length of time it took for students to complete the program), the commenters argued that determining an average interest rate based on the length of a program would provide more accurate calculations than using a six - year average interest rate for all GE programs.

Interest rates associated with home equity loans are typically much lower than credit card rates.

The annual percentage rate, usually shown next to the advertised and called «APR», or nominal, interest rate, is always higher than the actual, or effective, loan interest rate because it annualizes the fees and costs associated with the loan.

Alternatively, one lender could offer a higher interest rate with lower costs, possibly making it a better loan than one with a lower advertised interest rate and higher associated costs.

Interest rates associated with unsecured personal loans are typically higher than other types of loans.

Since the lender has the car as collateral in the event that the loan is defaulted on, interest rates for car loans are lower than those associated with personal loans.

Moreover, a number of factors associated with economic, political, and regulatory uncertainty result in much higher real interest rates in developing countries than in the developed world.

In the interest of coming in at a lower overall fee, the partner could overweight the matter with partner time, in the belief that even at their higher billing rates the partners will be sufficiently more efficient that they will do the work more cheaply than the associates.

In many cases, even the guaranteed interest rate that is associated with a basic whole life insurance plan is generally more than that of a bank savings account.

«We also have seen a tremendous amount of our clients who are willing to pay off loans early and take pre-payment penalties or defeasance costs associated with these prepayments because they are able to roll into a lower interest rate loan today than they had eight or 10 years ago,» he says.

The APR takes into account the various fees associated with the loan, which is why it is often higher than the interest rate.

Interest rate hikes are associated with a strong economy, and recent data shows that the U.S. economy is stronger than it has been since before the Recession.