Sentences with phrase «years of declining interest»

After 30 years of declining interest rates, bond investors are beginning to worry that rates will go higher — especially after the events of May 2013.

Not exact matches

The decline is noteworthy because you'd think the stars were aligned for a boom in the construction of dream homes: the economy has been churning out jobs steadily for a year, real - estate prices are high, and interest rates are low.

Before policymakers and pundits conclude that the rise in student loans is the cause of the decline in rates of entrepreneurship among millennials — and decide that debt relief is the way to boost entrepreneurial activity among young people today — they should consider that waning interest in entrepreneurship predates the student loan crisis by many years.

A Federal Reserve working paper from last year found that at least three - quarters of the decline in new charters is attributable to the weak economy and low interest rates.

Progress in a few areas has been solid: slashing of bureaucratic red tape has led to a surge in new private businesses; full liberalization of interest rates seems likely following the introduction of bank deposit insurance in May; Rmb 2 trillion (US$ 325 billion) of local government debt is being sensibly restructured into long - term bonds; tighter environmental regulation and more stringent resource taxes have contributed to a surprising two - year decline in China's consumption of coal.

Treasuries extended declines from October, pushing 10 - year yields to a five - week high, as the probability of a Federal Reserve interest - rate increase by year - end hovered near 50 percent.

Its nine - month earnings before interest, taxes, depreciation and amortization have declined to $ 431 million at the end of September from $ 493 million a year earlier.

Therefore we expect the decline in interest rate futures, specifically the 10 - year Treasury Notes and 30 - year Treasury Bonds to be a temporary effect of speculative exuberance, and for interest rate futures to rally through the end of the month as the heavily short speculators are forced out of their positions.

What we have really seen over the past several years, in terms of the appreciation of markets and the decline of interest rates based on what the Fed has been doing, is a result which has eliminated the possibility of investors in bonds and stocks to earn an adequate return relative to their expected liabilities.

One of the interesting features of the employment picture is that, after hitting a record high last year, the percentage of Americans in the labor force has begun to decline.

We could take the $ 16 billion we have in cash earning 1.5 % and invest it in 20 - year bonds earning 5 % and increase our current earnings a lot, but we're betting that we can find a good place to invest this cash and don't want to take the risk of principal loss of long - term bonds [if interest rates rise, the value of 20 - year bonds will decline].»

If interest rate expectations many years forward have fallen, then expectations about the permanent level of interest income should have declined as well.

The principal of the bond would decline by 43 %, which would swamp the 14 % interest income received over five years, leaving a total loss of 29 %.

Suppose that over the first 10 years of your holding period, interest rates decline, and the yield - to - maturity on your bond falls to 7 %.

The IMF cited the rapid decline in the average coverage ratio over the past two years — the ability of current earnings to cover interest payments — as its primary evidence.

Over the first six weeks of the year, the Dow Jones Industrial Average declined 10 %, as the prospect of interest rate hikes by the Federal Reserve, a slump in oil prices, and concerns about economic conditions in Europe and China caused the long - running bull market to stumble.

The most recent and thorough of these, by Lukasz Rachel and Thomas Smith at the Bank of England, concluded that for the industrial world, neutral real interest rates have declined by about 4.5 percentage points over the last 30 years and are likely to stay low in the future.

Short term interest rates remain near zero, 10 - year bond yields have declined below 2 %, and our estimate of 10 - year S&P 500 total returns has declined to just 1.4 % (see Ockham's Razor and the Market Cycle for the arithmetic behind these historically - reliable estimates).

Why pay a higher rate when the average length of homeownership is 7 years and interest rates are in a structural decline?

The way that interest rates gradually turned upward over several years despite the relentless downward pressure applied by the central bank suggests that we are dealing with the end of a very long - term decline.

The increase over the past year has continued to be held down by declines in mortgage interest charges, the last of which occurred in the September quarter 1997.

The decline in world interest rates over the past few years has seen the servicing burden of foreign debt fall to around the levels of the early 1980s.

Because prospective 12 - year annual market returns have never failed to reach at least 8 % by the completion of a market cycle, regardless of the level of interest rates, we view a 40 % market decline as a rather minimal target over the completion of this market cycle.

Profits after interest have tended to decline over the past couple of years, reflecting the impact of the 1994 interest rate increases and a tendency for corporate leverage to increase, but they remain at high levels compared with historical averages; they can be expected to receive a further modest boost as interest - rate reductions in the second half of last year begin to feed through into profit results.

Many of these organizations, including religious organizations, have been experiencing declining interest in recent years.

Mr Murphy said his position in the coming financial year depended upon the decline in the price of other variables, including grain and fertilisers, as well as lowered bank interest on the farm mortgage.

«The American Millstone» series in The Tribune is very interesting but nothing very new for one who had lived in the Garfield Park area a good number of years and watched its decline and fall.

Interest rates in the eighties tended to be much higher than over the past decade, although it's worth remembering, when Labour boasts of kickstarting interest - rate stability, that the trend of decline from double - digit rates started in 1992, four - and - a-half years before the party came tInterest rates in the eighties tended to be much higher than over the past decade, although it's worth remembering, when Labour boasts of kickstarting interest - rate stability, that the trend of decline from double - digit rates started in 1992, four - and - a-half years before the party came tinterest - rate stability, that the trend of decline from double - digit rates started in 1992, four - and - a-half years before the party came to power.

According to the agency, the number of Japanese in their twenties with an interest in science has been declining in recent years, and the proportion of school leavers applying to study science and engineering at university has been falling since the late 1980s.

There's something like 80 million people in the U.S. according the recent surveys that are interested in birds in one way or another, you know, feed birds or watch birds, take their kids to a wildlife refuge and yet we keep hearing about more and more reports of declines in birds, you know, doubling of the extinction rates in birds globally in the last 50 years and right now we are on the verge of what I call the third renaissance of bird conservation, first being the Audubon movement at the turn of the century, the second being the Rachel Carson movement of the»60s and third we are on the verge of it right now.

Overall, vitamin and mineral content of American fruits and vegetables has declined significantly during the last fifty years.4 The revival of interest in compost and natural fertilizers, rich in minerals including trace minerals, is due in part to the realization that healthy soil is the basis of health for all life forms.

Aided by the palettes of cinematographer Dick Pope, Leigh crafts an environment that conveys the ebb and flow of Turner's life, from his most successful period in the 1830s through the decline of public interest in the years leading up to his death in 1851.

Five years ago, ICT lacked support and interest at Rendcombe, with the number of pupils taking the subject in decline.

Winner: Rendcomb College Five years ago, ICT lacked support and interest at Rendcombe, with the number of pupils taking the subject in decline.

Unfortunately, over the past 20 years, there has been a significant decline in the percentage of high school students who find school to be meaningful and interesting and in the percentage who view school learning as important to their future lives.

The google trend graph for instructional design, the term and field of study, would seem to indicate that interest has declined steadily over the last 12 years.

The decline in the number of students interested in an education career is even more striking given the fact that the total number of ACT - tested graduates has increased substantially — up by 18 percent — during the same four - year period.

As the professional staff of the Census Bureau indicates, the «decline since 1965 in the cumulative fertility of women 25 to 29 is of special interest because women of that age are far enough along in their childbearing to conclude that women currently of this age most likely will reach age 45 or the end of childbearing with fewer children than the women who were 35 - 39 years old in 1969.»

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.

Another interesting note: total adult print sales declined by $ 44.3 M from last year, while e-books made up most of the difference, increasing $ 38.0 M.

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.

All else equal, annuity payments are smaller when interest rates are low as is the case today (which no doubt accounts for the fact that immediate annuity sales have been declining lately, falling almost 20 % the first half of this year).

Take Advantage of Lower Rates With FHA Streamline Refinance While the streamline refinance has been available for many years, the recent decline in mortgage rates has sparked the interest of many existing homeowners.

The principal of the bond would decline by 43 %, which would swamp the 14 % interest income received over five years, leaving a total loss of 29 %.

And second question — how do you protect against the possibility, yes its still a possibility that should at least be acknowledged, that interest rates will continue downwards and continue the decades long trend of interest rates declining (some might even say its a much longer trend if you look at historical interest rates over 100 + years).

Despite the relatively positive returns for many asset classes in recent years, the decline in interest rates has proven to be a large impediment to restoring the funded status of pension plans to pre-crisis levels.»

Dividends of mortgage REITs have declined substantially over the last two years as companies adjusted their dividend payouts in light of higher interest rate volatility and lower earnings forecasts.

However, if the homeowner pays one additional monthly payment per year, the total interest paid declines to $ 249,000, a difference of $ 70,000.

Return of the Stockpickers The primary distinguishing economic trend of the past 30 years is, of course, a steady decline in interest rates, until the federal - funds rate sank to about zero — and stayed there for five years.

If we look at UTV's recent history, they went on an acquisition spree about 5 - 6 years ago, and are still paying the price... EPS declined from GBP 23.08 p in 2006 to the most recent FY of 16.7 p — reflecting an increased interest bill plus a painfully dilutive rights issue, rather than significantly poorer performance.