Sentences with phrase «than the market rate of»

4.81 % is quite a bit higher than the market rate of just under 4 %.

While it is generally less than the market rate of interest would be for a commercial or personal loan, you will end up paying back more than you borrow, or the dividend that you might otherwise receive (in the case of a mutual company) may be less to account for the interest on the loan.

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.

Whether it is stricter regulations, negative interest rates, or fragile confidence, banks and other market participants are less than keen these days to hold large piles of risky assets.

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.

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.

According to Tom Porcelli, chief U.S. economist at RBC Capital Markets, market prices imply the odds that interest rates will be higher at the end of the year are less than 50 %.

Software and Internet companies, desperate to get to market even faster than other high - tech companies, have median burn rates of 5 % and 8 %, respectively.

Whether you capture data from website analytics, webforms, email marketing with open rates or social media stats, you now have more visibility into the behavior of a prospect than ever before.

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.

Reasons for the disparities could include an «unconscious bias during the interview process that determine a candidate's salary based on what he or she was previously making, rather than the market rate for that individual's skills and years of experience,» one study notes.

Jestin says that one reason why some people were expecting a rate hike sooner than later was because of our housing market.

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.

Over the next year, the number of marketing volunteers climbed to more than 100,000 and Firefox was being downloaded at an average rate of 250,000 times per day.

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.

Jack Groetzinger and Russ D'Souza, both avid concertgoers and sports enthusiasts, were fed up with the unpredictability of the secondary ticket market — reseller pricing that can swing from significantly higher than face value to cut - rate, depending on an event's popularity.

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.

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).

Stein expects Nvidia's revenue from the server market, which more than doubled to $ 830 million last year, to increase at an average rate of 61 % annually through 2020.

«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.

This week's survey showed money - market accounts, which are savings accounts that often pay higher rates than conventional savings accounts and come with limited check writing privileges, are currently paying an average of 0.14 percent interest.

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.

On top of that, a typical conversion rate via content marketing is less than 1 % and PPC (pay per click) and SEO don't grow new product demand — they largely just harvest existing market demand, Kim said.

That said, the Bank of Canada is clearly concerned about the real estate market if another financial crisis hits or inflation concerns force mortgage rates up faster than consumers can handle.

The new interest rate can be lower or higher than the weighted average of the old loans and can be fixed (the interest rate won't ever change) or variable (the rate changes based on the market conditions).

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.

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..

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.

A study says the percentage of car loans made to buyers with the poorest credit ratings is growing faster than the rest of the auto finance market.

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...

This would sharply enhance growth rates during the expansion phase, much like margin borrowing enhances returns when market prices are rising faster than the debt servicing costs, but at the expense of sub-par performance once conditions reverse.

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.

Cash alternatives, such as money market funds, typically offer lower rates of return than longer - term equity or fixed - income securities and may not keep pace with inflation over extended periods of time.