Sentences with phrase «year term level»

For example, if you have a 15 - year term level life insurance policy, your premium will never change for 15 years.

Term Insurance is most commonly offered in 5 - year increments, ranging from 5 - 30 year term levels.

Not exact matches

Either way, his comments follow a trend of famous figures — from entertainers to sports figures — taking a hard stance against their children playing football at any level, especially in light of the revelations about long - term effects from football concussions that have surfaced in recent years.

Private equity returns remained strong but were lower than the prior year quarter, while income from our fixed income investment portfolio increased due to a higher average level of fixed maturity investments and higher short - term interest rates.

CEO Randy Eresman noted in the Calgary - based company's 2011 year - end results: «For the industry as a whole, near - term natural gas prices are at levels below what it costs to add most new production, and in some places, may even be below what it costs to produce from existing wells.»

The life - savers are pension funds, whose demand for long - term fixed income assets could reach record levels this year - and, counterintuitively, it's the surge in world equity markets that will play a large part in fuelling this appetite.

The S&P 500 Index should still produce healthy gains for the full year, though political uncertainty has introduced a level of volatility in the near term, says Calvasina.

Jack Lew was appointed U.S. Secretary of the Treasury last year and, the Journal item noted, «The terms of Mr. Lew's original employment contract with Citigroup included a bonus guarantee if he left the bank for a high level position with the United States government or regulatory body.»

The two - year Treasury yield hit its highest level in nearly a decade Monday morning, leaving investors questioning what this could signal for America's economy in the longer term.

The benchmark 10 - year U.S. note yield rose to a four - year high last week, while the short - term two - year yield reached its highest level since 2008 on Tuesday.

The hikes ultimately will return the central bank's key short - term rate, called the federal funds rate, to about 4 percent over the next two years, which economists generally consider more a sustainable level.

«Many years ago, I began to use the term «intersectionality» to deal with the fact that many of our social justice problems like racism and sexism are often overlapping, creating multiple levels of social injustice,» Crenshaw says.

Short - term yields turned positive, with the two - year note yield near its highest level of the year after comments from the Fed's Stanley Fischer.

Even in nominal terms — ignoring inflation — IRS funding this year is $ 900 million or 8 percent below its 2010 level.

Lowest rates shown require application with a cosigner, are for eligible, creditworthy applicants with a graduate level degree, require a 5 - year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures.

With the U.S. economy having grown at only a 2.1 percent annual rate over the past seven years, it has become harder to sustain the view that the neutral real short - term interest rate is close to, or will soon be close to, its historical level of around 2 percent.

Targets are set for both the annual and long - term incentive programs at aggressive levels each year.

Prices rose in response, with Australia's terms of trade reaching the highest level in at least 150 years (Graph 1).

So while there could be one or even five year periods where longer maturity bonds perform fairly well from these yield levels, over the long - term they're likely to be a poor investment in terms of earning a decent return over the rate of inflation.

And we believe, over this year, we should reach those normalized level, that we go to a more normalized situation in terms of labor lawsuits.

Most notable so far has been the boom in the resource sector, with commodity prices and hence Australia's terms of trade rising to historically high levels over a number of years.

The Australian dollar has remained in a relatively steady range over the past couple of years, at levels that are a little above average against the US dollar and about 10 per cent above average in trade - weighted terms.

The dividend income in the first couple of years will be on a very low level but investing in dividend stocks is all about the long term.

For each of the last two years, our NEOs» annual and long - term incentive payouts have been significantly below target levels.

These facilities could be impacted by long - term (> 100 years) rising sea levels; however, the range of currently estimated short - term rise in sea levels suggest that neither facility would be impacted within the current lifespan of the projects (< 20 years),» the company said in March 2017.

For much of the past two years, the discounts offered by automakers have remained at levels that industry analysts say are unsustainable and unhealthy in the long term... Sales are expected to drop further in 2018 as interest rates rise and more late - model used cars return to dealer lots to compete with new ones.

Meanwhile, in the short - term, the differential between Brent and WTI has widened to its largest extent in two years at about $ 6.50 per barrel, a level that has many analysts predicting a coming surge in U.S. crude exports.

This equity financing is in addition to the term sheet it secured for an umbrella $ 10 million, 40 - year term debt as project level financing.

I rarely have much of a short - term expectation for the market, but I strongly believe that investors will be able to look out at some point 5 - 10 years from now and see the major indices below current levels.

Over the course of 20 years, that means you're paying $ 15,120 more than if you found a level term policy for $ 119 per month.

It's important to distinguish between the level of valuations, which has indeed become breathtakingly extreme in recent years, and the mapping between valuations and longer - term market returns (which we observe as a correspondence, where rich valuations are followed by poor returns and depressed valuations are followed by elevated returns).

Over the longer - term, we do not expect the Fund to have such a strong tilt towards economically sensitive sectors or exhibit the level of pro-cyclical volatility that we saw during this fiscal year.

1) The start of the 11 - quarter bull market 2) The RSI indicator moves to its highest levels in 3 years 3) Gold is 2 quarters into a long - term bull market

We allow that short - term interest rates may be pegged well below historical norms for several more years, and we know that for every year that short - term interest rates are held at zero (rather than a historically normal level of 4 %), one can «justify» equity valuations about 4 % above historical norms — a premium that removes that same 4 % from prospective future stock returns.

This is reflected in the price of bitcoin which is testing the $ 400 short - term resistance level and could help boost trader confidence over the final three weeks of the year.

We have already seen significant flows of global assets into US Treasuries this year, and in doing so, the level of long - term interest rates is being held down.

With the VIX having dropped to record low levels (Figure 1), shorting the VIX has produced a handsome return so far this year (up 70 % based on the ProShares Short VIX Short - Term Futures ETF (SVXY)-RRB-.

As a result, Australia's terms of trade has increased by 6.4 per cent over the past year, to its highest level in over 27 years (Graph 50).

Commodity prices have changed little on average over recent months and remain at high levels; the RBA Index of Commodity Prices fell by 0.8 per cent in SDR terms over the three months to January to be 10.2 per cent higher over the year.

In a report the bank assigned a 25 % probability to a near - term (less than six months) currency devaluation change, increasing to 40 % if oil stays at current levels throughout 2016, rising to 60 % if oil stays sub - $ 50 per barrel for the next two years.

Despite the exchange rate appreciation, prices in Australian dollar terms have also increased significantly over the year to be well above the average level of the past decade.

The Federal Reserve's monetary policy has helped spur the U.S. housing market in recent years, because it has indirectly held long - term mortgage rates near record - low levels.

In fact, the CBOE Volatility Index (VIX) traded at its lowest level in decades for much of the year.1 Known as the fear gauge, the VIX reflects the market's short - term outlook for stock price volatility.

So, if you're paying $ 25 per month for your 30 - year $ 500,000 level term policy, you will only pay $ 25 per month each of those 30 years.

However, during this time frame, your premiums will be assessed each year and will increase as you get older, unlike level term life insurance.

This is slightly higher than investing when stocks are richly priced and with no concern for the level of interest rates, but it is still significantly less than the long - term average seven year - return.

For example, if a «normal» level of short - term interest rates is 4 % and investors expect 3 - 4 more years of zero interest rate policy, it's reasonable for stock prices to be valued today at levels that are about 12 - 16 % above historically normal valuations (3 - 4 years x 4 %).

Measured in real terms, variable loan rates are as much as 1 percentage point below their average level over the past five years, and up to 2 1/4 percentage points below their average since the early 1990s (Graph 65).

Engineering construction has risen by 50 per cent over the past year, to reach very high levels, and is set to expand further in the near term, driven by a considerable stock of resource and infrastructure work in the pipeline.

So there are lots of those long - term factors, demographics, aging population, global competition that mean that long - term interest rates may not rise at the same level, but one can't help but feel that we have seen six, seven years and in some cases, 10 years now post global financial crisis of near - zero interest rates and it's just, I suspect, there are a lot of market practitioners have gotten used to that idea and haven't really gotten their heads around the fact that we are still seeing Fed governors suggesting we have got one more rate increase this year and potentially two or three coming out next year.