Sentences with phrase «than the market rate in»

At its very simplest, an immediate annuity (IA) is purchased and you receive a rate that's higher than the market rate in exchange for your money.

Not exact matches

It can mask weakness in the market if there are large numbers of discouraged workers, as in the U.S. which now has a lower jobless rate than Canada despite a poor job creation record.

In a client note on Thursday titled «Yanking down the yields,» the interest - rates strategist projected that bond yields would be much lower than the markets expected because central banks including the Federal Reserve were reluctant to raise interest rates.

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

The more complex debt market has worked wonders in the past few years allowing somewhat riskier companies like Valeant amass more debt, at lower rates, than they would have been able to past.

That's exactly what sparked the stock market correction last month: a higher - than - expected average hourly earnings number in January's jobs report ignited fears that inflation might finally be coming to life, and in response the Federal Reserve may look to hike rates more aggressively than the three projected increases for this year.

He identified three obstacles that could affect any possible recovery in the global employment rate: «Over the fore ¬ seeable future, the world economy will probably grow less than was the case before the global crisis,» complicating «the task of generating the over 42 million jobs that are needed every year in order to meet the growing number of new entrants in the labor market.»

The market's going to have to start to digest a faster pace of interest - rate hikes in 2017 than what we have gotten used to, as the economy grows.

«Our data suggests the younger Gen Y population is adopting motorcycling at a far lower rate than prior generations,» AB analyst David Beckel said in a July note downgrading its rating of Harley - Davidson shares from «outperform» to «market perform.»

«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.

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.

Comment: Despite some macro slowdown and stock market gyrations in China, we remain confident in our $ 625 million forecast for FY 2016 even at current exchange rates and optimistic on the prospects for this market over the long - term as the drivers we've consistently mentioned are more relevant than ever,» said CEO Victor Luis.

It's got all this stuff in the news, with ghost cities and real estate markets crashing, but when we think about it, if the U.S. economy is forecast to grow somewhere between 2.75 % and 3 % for 2015, and China is growing at 6.5 % or 7 %, we're still looking at essentially twice the U.S. [growth rate] on a much bigger base than 10 years ago,» she says.

The four critical factors are: (a) businesses with recurring revenue bases — like a renewable subscription — are far better than ones dependent on constantly securing new customers; renewals are much easier and less expensive to secure than new sales; (b) customer retention is absolutely critical — all customers are very costly to acquire and very easy to lose in a world of almost infinite choices; (c) businesses based on products that require constant replacement or renewal (the «razor blade» model) are much more attractive than durable goods businesses (like selling refrigerators) where the products have very long repurchase or replacement life cycles and where the market could even fairly quickly reach saturation points; and (d) businesses that offer products or services that had a predictably high rate of obsolescence were much more attractive than those where the products had long, useful lives.

Close to 8 - in - 10 agree that rates will get lower and service will get better with more foreign competition in the Canadian market (78 %) and well more than half agree strongly with this view (57 %).

The research shows that in order to recruit or retain A players in your organization, you need to pay them about 20 % more than the going market rate.

LONDON, March 19 - Gold touched its lowest in more than two weeks on Monday as markets remained nervous ahead of a U.S. central bank meeting that could raise interest rates and signal three more increases this year.

Earlier in the session, markets were confident about rate hikes in the coming months and digested euro zone inflation data showing the slowdown was lesser - than - expected.

On Wall Street, stocks rose on Friday after job growth surged more - than - expected in June, reaffirming labor market strength that could keep the Federal Reserve on track for a third interest rate hike this year.

Among the factors that could cause actual results to differ materially are the following: (1) worldwide economic, political, and capital markets conditions and other factors beyond the Company's control, including natural and other disasters or climate change affecting the operations of the Company or its customers and suppliers; (2) the Company's credit ratings and its cost of capital; (3) competitive conditions and customer preferences; (4) foreign currency exchange rates and fluctuations in those rates; (5) the timing and market acceptance of new product offerings; (6) the availability and cost of purchased components, compounds, raw materials and energy (including oil and natural gas and their derivatives) due to shortages, increased demand or supply interruptions (including those caused by natural and other disasters and other events); (7) the impact of acquisitions, strategic alliances, divestitures, and other unusual events resulting from portfolio management actions and other evolving business strategies, and possible organizational restructuring; (8) generating fewer productivity improvements than estimated; (9) unanticipated problems or delays with the phased implementation of a global enterprise resource planning (ERP) system, or security breaches and other disruptions to the Company's information technology infrastructure; (10) financial market risks that may affect the Company's funding obligations under defined benefit pension and postretirement plans; and (11) legal proceedings, including significant developments that could occur in the legal and regulatory proceedings described in the Company's Annual Report on Form 10 - K for the year ended Dec. 31, 2017, and any subsequent quarterly reports on Form 10 - Q (the «Reports»).

«Additionally,» it says, «these markets are continuing to draw interest from a younger crowd, as the older millennial age group is viewing property listings at a rate 1.2 times greater than the share of older millennials already living in the area, indicating strong interest from others wanting to move into these neighborhoods.»

Because of how the Bank of Canada has incorporated federal fiscal projections in its forecasts, there's a risk markets might over-read any tension over rates and interpret the government «as having more influence on the governor than it would past Bank of Canada governors,» he said.

At the end of last year, the company was already providing delivery services in over 50 markets with a run rate of more than $ 200 million in gross food sales.

The Federal Open Market Committee last enacted a rate rise in December — the first one in more than nine years.

If you sell a quality product, accurately described in your marketing, at a price that's fair in relationship to its value, your return rate will be low — probably less than 5 percent.

When Bernanke's taper talk caused long - term interest rates to rise much faster than the Fed intended, one of the ways in which the central banks sought to allay market fears was to stress that it would keep short - term rates steady until the jobless rate had reached at least 6.5 %.

«The extent and speed of the rally in gold prices is somewhat surprising as there are few pressing reasons to be bullish, indeed there are more headwinds than tailwinds,» ScotiaMocatta said in a monthly note, citing rising U.S. equity markets as well as higher U.S. interest rates.

In Asia, the Reserve Bank of India (RBI) cut its key repo rate by 25 basis points to 7.75 percent on January 15, more than two weeks before its scheduled meeting, catching markets by surprise.

These risks and uncertainties include: Gilead's ability to achieve its anticipated full year 2018 financial results; Gilead's ability to sustain growth in revenues for its antiviral and other programs; the risk that private and public payers may be reluctant to provide, or continue to provide, coverage or reimbursement for new products, including Vosevi, Yescarta, Epclusa, Harvoni, Genvoya, Odefsey, Descovy, Biktarvy and Vemlidy ®; austerity measures in European countries that may increase the amount of discount required on Gilead's products; an increase in discounts, chargebacks and rebates due to ongoing contracts and future negotiations with commercial and government payers; a larger than anticipated shift in payer mix to more highly discounted payer segments and geographic regions and decreases in treatment duration; availability of funding for state AIDS Drug Assistance Programs (ADAPs); continued fluctuations in ADAP purchases driven by federal and state grant cycles which may not mirror patient demand and may cause fluctuations in Gilead's earnings; market share and price erosion caused by the introduction of generic versions of Viread and Truvada, an uncertain global macroeconomic environment; and potential amendments to the Affordable Care Act or other government action that could have the effect of lowering prices or reducing the number of insured patients; the possibility of unfavorable results from clinical trials involving investigational compounds; Gilead's ability to initiate clinical trials in its currently anticipated timeframes; the levels of inventory held by wholesalers and retailers which may cause fluctuations in Gilead's earnings; Kite's ability to develop and commercialize cell therapies utilizing the zinc finger nuclease technology platform and realize the benefits of the Sangamo partnership; Gilead's ability to submit new drug applications for new product candidates in the timelines currently anticipated; Gilead's ability to receive regulatory approvals in a timely manner or at all, for new and current products, including Biktarvy; Gilead's ability to successfully commercialize its products, including Biktarvy; the risk that physicians and patients may not see advantages of these products over other therapies and may therefore be reluctant to prescribe the products; Gilead's ability to successfully develop its hematology / oncology and inflammation / respiratory programs; safety and efficacy data from clinical studies may not warrant further development of Gilead's product candidates, including GS - 9620 and Yescarta in combination with Pfizer's utomilumab; Gilead's ability to pay dividends or complete its share repurchase program due to changes in its stock price, corporate or other market conditions; fluctuations in the foreign exchange rate of the U.S. dollar that may cause an unfavorable foreign currency exchange impact on Gilead's future revenues and pre-tax earnings; and other risks identified from time to time in Gilead's reports filed with the U.S. Securities and Exchange Commission (the SEC).

«The recent behavior of both nominal and real wages point to weaker labor market conditions than would be indicated by the current unemployment rate,» Yellen said in a speech to central bankers last week.

11 There seems to be more diversity in interest rate investing than in corporate credit investing, which makes the worries about Treasury market liquidity seem a bit smaller, even though the market is of course much larger.

Dignity is in dispute with Beyond, a British comparison site, which last year claimed it was charging customers far more than the market rate.

While it's still not known when interest rates will go up and by how much, what we do know is that the bond market is at greater risk to rising interest rates than at any time in recent history.

Poloz revealed the stimulus discussion in his opening statement to reporters more than an hour after publication of the rate decision, wrong footing financial markets that were not expecting the dovish shift.

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.

In that scenario, I would expect no more than one Fed policy rate hike this year, as labor market strength has been the highlight of recent economic performance.

Also, bills have typically traded below other money market rates during tightening cycles, as they do now; periods where bills trade at or above other rates have been the exception and not the rule.36 Thus, the smaller increase in bill yields than in rates on other term instruments is not surprising, and I do not read it as undermining the general conclusion that the policy rate increase was effective in firming money market conditions.37

FLIA will invest in fixed - and floating - rate bonds from the full range of governmental and corporate issuers representing developed markets other than the U.S..

In a zero - interest rate world (Figure 7), these provide yields that are much higher than those found in more conventional investments like U.S. Treasury bonds or money market accountIn a zero - interest rate world (Figure 7), these provide yields that are much higher than those found in more conventional investments like U.S. Treasury bonds or money market accountin more conventional investments like U.S. Treasury bonds or money market accounts.

DR's simulations assume that last dot climbs in time to give the Fed some height to drop from when the next downturn hits (importantly, he stresses that the neutral funds rate is very likely lower than it used to be), but, as I argue in the piece, with some evidence from market expectations of the funds rate, I'm skeptical.

At one level, most of these businesses appear to be success stories: On average, these companies grew profits in their developing market subsidiaries by 15 % a year from 2005 to 2010, more than twice the profit growth rate in the rest of the business.

The US export sector is getting the benefit of a lower dollar; there's a significant fiscal package in the pipeline, which will add more than 1 per cent of GDP to private spending power; and sharp cuts have been made in US official interest rates, with financial markets expecting more to come.

Ryan Avent pointed out that even if we enacted Trump's massive tax cuts and spending increaes, adding $ 34 trillion in new debt over the next two decades, our ratio of debt to GDP two decades from now would still be 30 percentage points less than Japan's government debt ratio is right now... and the market is still buying their negative interest rate long term debt...

That would add to my confidence on inflation in the short term, but might also spur the Fed to raise rates faster than the market has priced in.

The online small business lending market in Australia is growing at a faster rate than the US market did at a similar stage of development, the CEO of OnDeck Global has said.

It was also lower than Wednesday's close and comes after China adopted a more market - oriented method of calculating the currency rate in a move widely seen as a devaluation.

«Currently, the market penetration rate of the entire catering industry is 30 %, the whole industry accounts for less than 5 % of the Chinese food and beverage industry, «said Zhang in an interview for PEdaily (in Chinese).

The fifth, and most recent, factor is the US Federal Reserve's signals that it might end its policy of quantitative easing earlier than expected, and its hints of an eventual exit from zero interest rates, both of which have caused turbulence in emerging economies» financial markets.

Definition: Money market accounts pay competitive interest rates (higher than savings accounts) in exchange for the use of your money.Advice: Money market accounts pay higher interest rates because they usually demand that you keep a higher balance.

Even though their effectiveness rating is higher than those we've seen in North America and Australia, UK marketers rated themselves less effective at content marketing versus last year (48 % vs. this year's 42 %).