Sentences with phrase «with substantial rate»

Drivers can quite often see a substantial drop in prices within the first few years if they have a good driving record, with substantial rate reductions after age 25.

Not exact matches

Such rates will generally be higher than what home buyers currently pay, not only because banks now offer substantial discounts from posted rates, but also because many buyers (40 % according to a July 2011 TD Bank report) take mortgages with variable rates, which are lower than fixed rates at least 85 % of the time.

Golf has dealt with declining television ratings in recent years, but a healthy, well - performing Woods has already led to a substantial spike in viewers.

Lyons contrasted the previous government's approach to that of the Bank of England, which prepared substantial contingency plans to deal with any market fallout from the initial shock of the referendum outcome, and then quickly implemented a sweeping programme of new monetary easing, cutting interest rates to a record low of 0.25 %, and extending quantitative easing.

Many married couples will see a substantial reduction, as will wealthy taxpayers, with the top rate dropping from 39.6 % to 33 %.

Conclusion The substantial increase in e-cigarette use among US adult smokers was associated with a statistically significant increase in the smoking cessation rate at the population level.

Workers expect their earnings to keep pace with inflation, and a more substantial rate will likely lead to demands for ever higher wages.

Even when compared to other loans with few borrower requirements, we found rates with iLoan to be the highest by a substantial margin, especially in regards to the minimum loan rate lenders typically quote.

While the assumptions about the future unemployment rate may be affected by policy, the fact is that slower U.S. population growth, coupled with an aging population, place substantial limits on labor force growth, which will leave U.S. GDP growth almost entirely dependent on changes in productivity.

Second, the actual exchange rate is quite volatile, with periods of substantial appreciation in the late 1980s and throughout the 2000s, and a decade of depreciation during the 1990s.

I continue to expect that we will gradually increase our exposure to inflation - protected securities and commodities on substantial weakness in these areas, but as inflation pressures are most likely still several years away, our primary concern here is with fresh credit weakness, and that concern still translates into a moderate exposure to interest rate fluctuations.

As usual, I don't place too much emphasis on this sort of forecast, but to the extent that I make any comments at all about the outlook for 2006, the bottom line is this: 1) we can't rule out modest potential for stock appreciation, which would require the maintenance or expansion of already high price / peak earnings multiples; 2) we also should recognize an uncomfortably large potential for market losses, particularly given that the current bull market has now outlived the median and average bull, yet at higher valuations than most bulls have achieved, a flat yield curve with rising interest rate pressures, an extended period of internal divergence as measured by breadth and other market action, and complacency at best and excessive bullishness at worst, as measured by various sentiment indicators; 3) there is a moderate but still not compelling risk of an oncoming recession, which would become more of a factor if we observe a substantial widening of credit spreads and weakness in the ISM Purchasing Managers Index in the months ahead, and; 4) there remains substantial potential for U.S. dollar weakness coupled with «unexpectedly» persistent inflation pressures, particularly if we do observe economic weakness.

Takeaways include features of the Berkshire System from the shareholders» viewpoint: (1) Berkshire is unusually congenial to taxable shareholders, enhancing compounding rates considerably; (2) Berkshire's internal cultural features such as autonomy, decentralization, and permanence help attract sellers of high - quality companies to selll to Berkshire at reasonable prices with managers who stay on and become substantial shareholders; and (3) There is a close symbiotic connection between features (1) and (2) that reinforces Berkshire's high compounding rate and long time horizon.

With interest rates still hovering near the lowest levels they've ever been in 5,000 + years of recorded human history, it's very difficult to achieve a significant investment return without taking on substantial risk.

Takeaways include features of the Berkshire System from the shareholders» viewpoint: (1) Berkshire is unusually congenial to taxable shareholders, enhancing compounding rates considerably; (2) Berkshire's internal cultural features such as autonomy, decentralization, and permanence help attract sellers of high - quality companies to sell to Berkshire at reasonable prices with managers who stay on and become substantial shareholders; and (3) There is a close symbiotic connection between features (1) and (2) that reinforces Berkshire's high compounding rate and long time horizon.

They expect you to have reviewed a substantial number of random files to confirm that all documents have been properly prepared, signed and filed and that you have also considered other factors, including whether your firm deals with properties that are close to the U.S. border, whether your agents are part - time or full - time and the general crime rate in your own area.

New facilities included «honeymoon» loans, a wider range of fixed - rate loans and the introduction of «basic» loans at substantial discounts to the standard variable - rate home loan, with similar conditions to those offered by mortgage managers.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

Prosecutors argued that Darlie, described as a pampered and materialistic woman, with substantial debt, plummeting credit ratings, and little money in the bank, feared that her middle class lifestyle was about to end and killed two of her children to rid herself of a financial burden.

One frequently cited bar graph has been used to suggest, for the decade 1965 - 75, a severe diminution of seven mainline Protestant bodies by contrast both with their gains in the preceding ten years and with the continuing growth of selected conservative churches (see Jackson W. Carroll et al., Religion in America, 1950 to the Present [Harper & Row, 19791, p. 15) The gap in growth rates for 1965 - 75, as shown on that graph, is more than 29 percentage points (an average loss in the oldline denominations of 8.9 per cent against average gains among the conservatives of 20.5 per cent) This is indeed a substantial difference, but it does not approach the difference in growth rates recorded for the same religious groups in the 1930s, when the discrepancy amounted to 62 percentage points.

The example of postwar Kenya, where the total fertility rate apparently rose from about six to nearly eight during a generation of substantial improvements in health, and despite nearly twenty years of family planning efforts, should make it clear that increasing parents» freedom to choose will serve the purposes of parents, whether or not these are in accordance with the preference or ideology of the government and its advisers.

In spite of these parameters, it should be noted that many of the sustaining - time programs were of high quality and dealt with substantial issues at a deeper level of analysis than was possible in programs forced to maintain ratings.

«For example, early in the recession, our team recognized that other sources were available to help us with advertising, a key activity in a recession, and we found a vendor who provided substantial financial support for advertising; Additionally, lease rates were out - of - line with our financial model, [and] our finance manager led the charge very early on to re-negotiate rates and keep stores going.»

The extent of medicalisation in Spain is reflected in some of the highest caesarean section rates in Europe (26.4 % in Catalonia with a 40 % increase over five years); obstetricians have been criticised for not allowing women to participate in decisions about their maternity care.11 Long term morbidity after childbirth can be substantial, 12 and this is particularly related to instrumental and caesarean delivery.

We investigated substantial heterogeneity for all four outcomes with subgroup analyses for the following covariates: who delivered care, type of support, timing of support, background breastfeeding rate and number of postnatal contacts.

The substantial increase in risk occurs at 42 week onwards with a stillbirth rate of 1 in 1000 (Decker 2016).

While his performance may not have seen substantial elevations in his or Labour's poll ratings, he has emerged from the scandal with a visibly more confident demeanour and the backing of his MPs.

With the rate of employers» and employees» NICs rising from April the top will have an effective «tax» rate of 65.8 % of NIC and income tax: a substantial and significant cost to any business.

Twelve states currently offer online registration, with an additional two on the way; a number of them report substantial increases in registration rates.

In the current low - interest rate environment, this issuance provides an opportunity to refund higher - interest bonds and replace them with lower - cost debt, generating substantial future savings to the State of New York.

Prevalence rates exhibited substantial variation across age, sex, and countries, with rates below 5 percent for women in some African countries to more than 50 percent for men in countries such as Indonesia, Armenia, Laos, Papua New Guinea and Russia.

General practices prescribing fewer antibiotics may have slightly higher rates of pneumonia and peritonsillar abscess but even a substantial reduction in antibiotic prescribing may be associated with only a small increase in the numbers of cases observed.

Those with remitted ADHD had relatively higher obesity rates than the persistent - ADHD men, although the small number of men with persistent ADHD makes it difficult to draw any substantial conclusions about this difference.

The analysis also found that the chance of pregnancy was reduced in all age groups, with substantial variations between different cancer diagnoses — notably, reduced pregnancy rates in women with cervical cancer, breast cancer and leukemia.

By comparing 93 LEED certified U.S. hotels with a competitive set of non-certified hotels, the study found substantial increases in average daily rates and revenue per available room for the LEED hotels.

Analysis showed the average county - level age - adjusted drug - related mortality rate was 16.6 deaths per 100,000 population, but there were substantial geographic differences with drug - related deaths reaching over 100 per 100,000 in some counties.

«This study has shown that the main advantage of cfDNA testing, compared with the combined test, is the substantial reduction in false positive rate.

Lead author Melissa Danielson, MSPH, a statistician with the CDC's National Center on Birth Defects and Developmental Disabilities, said findings that children in foster care experience high rates of ADHD along with other, simultaneous behavioral disorders as compared to their peers in Medicaid shows a substantial need for medical and behavioral services within this group.

Table 1 also reports the percentage of spouses who died within a year after their own hospitalization; as expected, the diseases show substantial variation in lethality, with one - year death rates varying from 7.3 percent (for women with psychiatric disease) to 82.0 percent (for men with pancreatic cancer).

However, if degassing is more dependent on seafloor pressure and regassing mainly dependent on mantle temperature, the degassing rate is relatively large at late times and a steady - state between degassing and regassing is reached with a substantial surface water fraction.

Although the magnitude of potential climate change may be comparable to variability experienced in the past, the rate of that change is anticipated to be significantly greater (Diffenbaugh and Field 2013), with substantial implications for Montana's forests.

Despite 5 - year survival rates approaching 90 %, a substantial number of breast cancer patients relapse - and many more experience late treatment effects or are diagnosed with a second cancer.

With survival rates that haven't changed significantly for decades, cancers of the brain, lung, oesophagus and pancreas are notoriously difficult to treat and remain diseases of substantial unmet need.

Thus, an overall picture emerges, consistent with suggestions for other enzymes [e.g., 31,104 — 106], in which KSI achieves its substantial rate enhancement through a combination of several modest catalytic contributions.

In an early study, Backman et al. (1995) found substantial inter-individual variability in an isometric time - to - exhaustion test, particularly with changes in age, as well as differences in rating of perceived exertion (RPE) between the subjects.

In the unlikely event you do enjoy this, you should be pleased with Sony's Blu - ray 3D combo, which serves up first - rate picture and sound as well as plenty of substantial bonus features.

Overlooking the lack of deleted scenes and trailers, Warner's Blu - ray combo pack should meet everyone's expectations with its first - rate feature presentation and robust collection of substantial extras.

The state also invested substantial support for early readers and focused on retaining 3rd graders who fail to read at grade level; state law allows for, but does not require, those students to be held back, which both Skandera and Martinez criticized as insufficient in a state with exceptionally low rates of adult literacy.

While Ofsted recognised that «substantial progress had been made», inspectors maintained that the chain's schools are still not good enough, with more than half not providing a good enough standard of education and five rated as inadequate.

Within a state's accountability plan, «substantial weight» would have to be given to quantitative measures, such as graduation rates and performance on state tests, with much less weight allotted to subjective measures, such as school climate and educator engagement.