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where were you when interest rates last went up?


the last time the bank of england put up interest rates was ten years ago, in july 2007. following its vote to hike rates from 0.25% to 0.5% on thursday, we take a look back on the past decade in monetary policy.video journalist greg brosnan






london loses out in business rates revamp


image copyrightgetty imagesthe revaluation of business rates next month will see london paying an extra £800m a year to support services in other parts of england, the institute for fiscal studies said. under the changes, london councils will see their incomes rise as business rates there jump, while northern councils will lose out as rates fall. as a result, london councils will have to pay more to "top up" other councils.the ifs said this reflected a "greater reliance" on the capital. neil amin-smith, one of the report's authors, said: "revaluation will mean rates bills will go up, and revenues become more concentrated in london. this is part of a more general trend of greater reliance on the capital for revenues." revenue neutralbusiness rates are in effect the commercial version of cou






london loses out in business rates revamp


image copyrightgetty imagesthe revaluation of business rates next month will see london paying an extra £800m a year to support services in other parts of england, the institute for fiscal studies said. under the changes, london councils will see their incomes rise as business rates there jump, while northern councils will lose out as rates fall. as a result, london councils will have to pay more to "top up" other councils.the ifs said this reflected a "greater reliance" on the capital. neil amin-smith, one of the report's authors, said: "revaluation will mean rates bills will go up, and revenues become more concentrated in london. this is part of a more general trend of greater reliance on the capital for revenues." revenue neutralbusiness rates are in effect the commercial version of cou






london loses out in business rates revamp


image copyrightgetty imagesthe revaluation of business rates next month will see london paying an extra £800m a year to support services in other parts of england, the institute for fiscal studies said. under the changes, london councils will see their incomes rise as business rates there jump, while northern councils will lose out as rates fall. as a result, london councils will have to pay more to "top up" other councils.the ifs said this reflected a "greater reliance" on the capital. neil amin-smith, one of the report's authors, said: "revaluation will mean rates bills will go up, and revenues become more concentrated in london. this is part of a more general trend of greater reliance on the capital for revenues." revenue neutralbusiness rates are in effect the commercial version of cou






will mortgage rates rise? what to know about fed rate hike


washington (ap) — are mortgage rates headed up? how about car loans? credit cards?how about those nearly invisible rates on bank cds — any chance of getting a few dollars more?if, as everyone expects, the federal reserve raises its benchmark interest rate wednesday afternoon and signals the likelihood of additional rate hikes later this year, consumers and businesses will feel it — maybe not immediately, but over time, especially if the fed raises rates multiple times in 2017.the fed’s thinking is that the economy is a lot stronger now than it was during the first few years after the great recession ended in 2009, when ultra-low rates were needed to sustain growth. with the job market in particular looking robust, the economy is seen as sturdy enough to withstand modestly higher loan rates






heading to college in the fall? here's why you'll need a bigger piggybank.


if you're heading off to college, prepare to dig a little deeper into your pockets. borrowing money to pay for higher education is becoming more expensive.in july, interest rates will climb on the federal loans students take on to pay for college this fall. rates on undergraduate stafford loans are jumping to 4.45 percent, from the current 3.76 percent. graduate students with stafford loans are going to face a rate of 6 percent, up from 5.31 percent. and parents and graduate students borrowing with federal plus loans will face an interest rate of 7 percent, instead of this year's 6.31 percent.while the bump in interest rates is not huge, students in college during the next few years are likely to face more increases. interest rates have been at historically low levels, and economists are e






nhs call for equality over private hospitals' tax break


image copyrightgetty imagesimage caption queen elizabeth hospital birmingham is among the nhs hospitals calling for business rates relief as it faces a rise of more than £2m nhs trusts are calling for equal treatment on business rates after research revealed private hospitals get discounts worth £52m over five years.a study suggests more than one in four private hospitals are charities, giving them an 80% rebate in business rates.but nhs trusts all have to pay in full, and will face a £300m increase in rates over the next five years.university hospitals birmingham trust, the worst hit, is appealing against a rate rise of more than £2m this year.a spokesman for the trust, which operates the queen elizabeth hospital, said: "the trust believes there is an anomaly in how nhs trusts are treated






interest rate rise: what you are saying


image caption the rise in oldham, greater manchester walk down any street in the uk you will get wildly different reactions to rising interest rates.bump into someone with savings and you are likely to get a smile, but perhaps also some grumbling about years of low interest rates. chat to a resident with a variable rate mortgage, though, and you might get a frown.while the latest move is small, and interest rates are at historically low levels, the prospect of further increases is worrying some.the bbc spoke to homeowners on the rise, a street in oldham, greater manchester. this is what they had to say:'i'm rubbing my hands together'image caption pensioner sabina tongue has been 'miffed' over low interest rates sabina tongue is a pensioner on the rise and she remembers in the 1970s getting






cd rates are still anemic, but these are the best now


with the federal reserve making its third rate hike in the last six months -- and the fourth since december 2015 -- it's clear that the u.s. is finally in a rising interest rate cycle. this is good news for savers who have money in savings accounts and certificates of deposit. however, banks haven't been in a hurry to raise deposit rates. average rates on savings accounts and cds are only inching up.but a more noticeable rise can be seen among the rate leaders. these are typically internet banks that are serious about raising their deposit levels. in the last six months, several of them have been increasing their cd rates. also, new internet banks are launching with top cd rates in an attempt grab market share away from the big players. this competition has resulted in cd rates reaching hi






aboki forex download


download download aboki forex provides daily updated currency exchange rates of the nigerian naira. aboki forex shows currency conversion rates for us dollars (usd), british pounds (gbp) and euro (eur). the latest version now includes a currency conversion calculator, easy to use, smooth and fastaboki forex provides breaking market forex news, so you know what's happening and predict the futureit requires internet connection to connect to the server to read currency rates for the last trading day. it provides lagos black market rates, central bank of nigeria (cbn) rates and western union rates for sending money abroad. the ios version is at: https://appsto. re/ng/muumeb. ithanks and enjoy.






will mortgage rates rise? what to know about fed rate hike


are mortgage rates headed up? how about car loans? credit cards? how about those nearly invisible rates on bank cds — any chance of getting a few dollars more? with the federal reserve having raised its benchmark interest rate wednesday and signaled the likelihood of additional rate hikes later this year, consumers and businesses will feel it — maybe not immediately, but over time. the fed's thinking is that the economy is a lot stronger now than it was during the first few years after the great recession ended in 2009, when ultra-low rates were needed to sustain growth. with the job market in particular looking robust, the economy is seen as sturdy enough to withstand modestly higher loan rates in the coming months and perhaps years. "we are in a rising interest rate environment," noted n






will mortgage rates rise? what to know about fed rate hike


washington — are mortgage rates headed up? how about car loans? credit cards?how about those nearly invisible rates on bank cds — any chance of getting a few dollars more?with the federal reserve having raised its benchmark interest rate wednesday and signaled the likelihood of additional rate hikes later this year, consumers and businesses will feel it — maybe not immediately, but over time.the fed's thinking is that the economy is a lot stronger now than it was during the first few years after the great recession ended in 2009, when ultra-low rates were needed to sustain growth. with the job market in particular looking robust, the economy is seen as sturdy enough to withstand modestly higher loan rates in the coming months and perhaps years."we are in a rising interest rate environment,






investing: should cds be back in your mix?


the federal reserve has raised its benchmark interest rate for the fourth time since the 2008 financial crisis, but rates on certificates of deposit, or cds, remain super low.savers have waited — and perhaps prayed. investors have looked for ways to bump up their returns without taking on more risk than they can sleep with at night.cds, which return all of your principal, plus a certain rate of interest at the end of a specified term, can make sense in some situations even if rates are on the rise.should you buy a cd before the fed raises rates again?the answer depends on more than the uncertain rates climate.you also should consider your objectives, time horizon and risk tolerance, said dana twight, founder and principal of twight financial education in seattle.when to ladder cds with sho






colorectal cancer rates rising in gen x and millennials, study finds


colorectal cancer rates have been declining overall in the united states since the mid-1980s, but certain age groups are seeing a concerning rise in cases, according to new research.the study, led by scientists from the american cancer society, highlights a “curious” increase colorectal cancer rates in millennials and generation xers, including people in their early 50s.compared to people born around 1950, those born in 1990 have double the risk of colon cancer and quadruple the risk of rectal cancer, according to findings published in journal of the national cancer institute.“we’ve known for some time that there’s been a lot of progress against colorectal cancer,” lead researcher rebecca siegel of the american cancer society told cbs news. “this is largely driven by rates in older people






where were you when interest rates last rose?


the last time the bank of england put up interest rates was ten years ago, in july 2007. as the bank of england prepares to vote on what may be the first rate hike since then, we take a look back on the past decade in monetary policy.video journalist greg brosnan






university of georgia reporting record graduation rates


athens, ga. (ap) — the university of georgia says student graduate rates have risen to record levels.a new report from the university says nearly two-thirds of freshmen now earn their undergraduate degrees within four years, while 85 percent graduate within six years of enrolling.the athens banner-herald reports that puts uga students well ahead of the six-year graduation rate for southeastern conference schools, which is 71 percent. the six-year rate for universities the state board of regents has designated as “peer” schools for uga is 75 percent.uga’s successes follow years of efforts to boost the school’s retention and graduation rates.most read storiesunlimited digital access. $1 for 4 weeks.___information from: athens banner-herald, http://www.onlineathens.com






if your bank's deposit rates haven't budged, do this


deposit rates at banks have been slow to respond to the recent federal reserve interest rate hikes, though competition for deposits is now motivating a few banks to increase what they pay on deposits. but before savers chase after the highest rates, it's useful to understand the sneaky techniques some banks use to attract deposits. by understanding the games banks play and by taking the time to do your homework, you can get a higher rate on your checking or savings account.here are a few tips to help you get a higher rate that will last over the long run.check to see if your bank is advertising higher rates on a new account than on your existing account. instead of raising rates for all savers, some banks have been creating new accounts that offer top rates that are aimed at attracting new






us home prices rose in january by most in 2 ½ years


washington (ap) — u.s. home prices jumped in january from a year earlier at the fastest pace in nearly 2 ½ years, as a tight supply of houses for sale spurred bidding wars in many cities.the standard & poor’s corelogic case-shiller 20-city home price index increased 5.7 percent in january, the most since july 2014.americans stepped up home buying in january, even as mortgage rates rose. many buyers likely sought to close their deals before rates increased further. the federal reserve implemented its third rate hike in two years march 15, but economists at s&p dow jones indices say higher rates won’t slow sales until later this year.the biggest price gains were in seattle, portland and denver, which have topped the other cities in the index for months.most read stories3-course dinners for $






rising new mexico crime rates propelled by albuquerque


albuquerque, n.m. (ap) — the fbi is reporting rising rates of property and violent crime in new mexico that is largely propelled by increases in the state’s most populous city albuquerque.the agency’s crime in the united states report released on monday shows that violent crime and property crime increased by 6.8 percent and 6.2 percent across the state between 2015 and 2016.albuquerque saw violent crime increase by 15.5 percent and property crime rise by 13.3 percent.although crime rates for new mexico are lower than they were decades ago, the crime spike in albuquerque comes on the heels of four consecutive years of rising violent crime.most read storiesunlimited digital access. $1 for 4 weeks.the fbi estimates that the rates of both violent crime and property crime dropped in rural and






is now the time to raise interest rates?


image copyrightafpimage caption is the economy moving fast enough to bear a rate rise? it's been 10 years since the uk last saw interest rates rise.back then, the iphone had only just been unveiled, twitter was a one-year old mystery and instagram didn't even exist. hard to imagine life without these things now, but interest rates of 5.75% and gordon brown as prime minister seem strangely alien.after that 0.25% rise, the world of monetary policy went into a tailspin, with central banks imposing a rapid series of interest rate cuts as it attempted to outrun the credit crunch. finally, in march 2009 they hit a record low of 0.5% until being cut again to 0.25% in august 2016 in the aftermath of the shock brexit vote.it will certainly be an unfamiliar feeling to see rates rise, although discus






is now the time to raise interest rates?


image copyrightafpimage caption is the economy moving fast enough to bear a rate rise? it's been 10 years since the uk last saw interest rates rise.back then, the iphone had only just been unveiled, twitter was a one-year old mystery and instagram didn't even exist. hard to imagine life without these things now, but interest rates of 5.75% and gordon brown as prime minister seem strangely alien.after that 0.25% rise, the world of monetary policy went into a tailspin, with central banks imposing a rapid series of interest rate cuts as it attempted to outrun the credit crunch. finally, in march 2009 they hit a record low of 0.5% until being cut again to 0.25% in august 2016 in the aftermath of the shock brexit vote.it will certainly be an unfamiliar feeling to see rates rise, although discus






is now the time to raise interest rates?


image copyrightafpimage caption is the economy moving fast enough to bear a rate rise? it's been 10 years since the uk last saw interest rates rise.back then, the iphone had only just been unveiled, twitter was a one-year old mystery and instagram didn't even exist. hard to imagine life without these things now, but interest rates of 5.75% and gordon brown as prime minister seem strangely alien.after that 0.25% rise, the world of monetary policy went into a tailspin, with central banks imposing a rapid series of interest rate cuts as it attempted to outrun the credit crunch. finally, in march 2009 they hit a record low of 0.5% until being cut again to 0.25% in august 2016 in the aftermath of the shock brexit vote.it will certainly be an unfamiliar feeling to see rates rise, although discus






some savers 'worse off' as banks fail to pass on rate rise


image copyrightgetty imagesseven days after the rise in base rates, just 15 out of 150 providers have passed on improved returns to their savers.the bank of england raised rates by 0.25% to 0.5% last thursday, the first rise in a decade.many banks are still considering whether to pass on the benefits.but even if their provider does choose to increase rates in full, some savers will still find themselves worse off than when rates were last at 0.5%. virgin money actually cut savings rates on one of its isas on the same day that the bank of england was raising rates.those with virgin's isa saver saw rates reduced to 0.75% last thursday.that compares to an interest rate of 1.3% when base rates were last at 0.5% in august 2016, leaving savers worse off."some people could be worse off than befor






interest rates: what will the rise mean for you?


image copyrightgetty imagesthe rise in base rates will produce both winners and losers.the winners will include 45 million savers, who are likely to see higher returns from savings accounts. a number of providers have already announced they will be increasing savings rates in line with the rise.those planning on buying an annuity to finance their retirement will also benefit. but for at least four million households with variable rate mortgages, monthly payments are set to rise immediately.so how will you be affected?variable rate mortgagesacross the uk, 9.2 million households have a mortgage.of these, around half are on a standard variable rate (svr) or a tracker rate, amounting to between four and five million households. these are the people who will be most affected, as their monthly p






interest rates: what will the rise mean for you?


image copyrightgetty imagesthe rise in base rates will produce both winners and losers.the winners will include 45 million savers, who are likely to see higher returns from savings accounts. a number of providers have already announced they will be increasing savings rates in line with the rise.those planning on buying an annuity to finance their retirement will also benefit. but for at least four million households with variable rate mortgages, monthly payments are set to rise immediately.so how will you be affected?variable rate mortgagesacross the uk, 9.2 million households have a mortgage.of these, around half are on a standard variable rate (svr) or a tracker rate, amounting to between four and five million households. these are the people who will be most affected, as their monthly p






interest rates: what will the rise mean for you?


image copyrightgetty imagesthe rise in base rates will produce both winners and losers.the winners will include 45 million savers, who are likely to see higher returns from savings accounts. a number of providers have already announced they will be increasing savings rates in line with the rise.those planning on buying an annuity to finance their retirement will also benefit. but for at least four million households with variable rate mortgages, monthly payments are set to rise immediately.so how will you be affected?variable rate mortgagesacross the uk, 9.2 million households have a mortgage.of these, around half are on a standard variable rate (svr) or a tracker rate, amounting to between four and five million households. these are the people who will be most affected, as their monthly p






interest rates: what will the rise mean for you?


image copyrightgetty imagesthe rise in base rates will produce both winners and losers.the winners will include 45 million savers, who are likely to see higher returns from savings accounts. a number of providers have already announced they will be increasing savings rates in line with the rise.those planning on buying an annuity to finance their retirement will also benefit. but for at least four million households with variable rate mortgages, monthly payments are set to rise immediately.so how will you be affected?variable rate mortgagesacross the uk, 9.2 million households have a mortgage.of these, around half are on a standard variable rate (svr) or a tracker rate, amounting to between four and five million households. these are the people who will be most affected, as their monthly p






interest rates: what will the rise mean for you?


image copyrightgetty imagesthe rise in base rates will produce both winners and losers.the winners will include 45 million savers, who are likely to see higher returns from savings accounts. a number of providers have already announced they will be increasing savings rates in line with the rise.those planning on buying an annuity to finance their retirement will also benefit. but for at least four million households with variable rate mortgages, monthly payments are set to rise immediately.so how will you be affected?variable rate mortgagesacross the uk, 9.2 million households have a mortgage.of these, around half are on a standard variable rate (svr) or a tracker rate, amounting to between four and five million households. these are the people who will be most affected, as their monthly p






home prices surge nationally with denver near top


washington — u.s. home prices jumped in january from a year earlier at the fastest pace in nearly 2 ½ years, as a tight supply of houses for sale spurred bidding wars in many cities.the standard & poor’s corelogic case-shiller 20-city home price index, released tuesday, increased 5.7 percent in january, the most since july 2014.americans stepped up home buying in january, even as mortgage rates rose. many buyers likely sought to close their deals before rates increased further. the federal reserve implemented its third rate hike in two years march 15, but economists at s&p dow jones indices say higher rates won’t slow sales until later this year.the biggest price gains were in seattle, portland and denver, which have topped the other cities in the index for months.mark fleming, chief econo






forget ecb’s taper, investors want to know when rates go up


investors are preparing for the european central bank to give them all the complex details of how it will end its massive bond-buying program. but there is one crucial piece of information they truly care about: when will interest rates start going up? ecb policy makers have repeatedly said they won’t start raising rates until “well past” the point when purchases have stopped—even if inflation were to suddenly jump. that means divining the date of the last purchase is a big focus for money managers across the world....






low-income, minority and bilingual students graduating at high rates in franklin


after a stinging wake-up call on its high school graduation rates, a high-poverty district south of tacoma focused attention on difficult kids. now their rates at better than the state average for all students.high-school graduation rates are widely understood as a measure of success. numbers in the 90-percent range suggest a district that propels young people toward promise; sagging rates suggest a future of underemployment, poverty and worse.so 10 years ago, when bob balfanz at johns hopkins university coined the term “drop-out factory” to describe the 1,700 american high schools where 40 percent of freshmen failed to graduate, it cut deep. washington high, in the franklin pierce school district south of tacoma, was on the list. only 57 percent of ninth-graders there walked across the gr






best time to buy bonds and how to evaluation roa


bond timingq: when is it a good time to buy bonds?a: first, understand that bond prices tend to fall as interest rates rise, because when new bonds are issued at higher rates, older bonds with lower rates will be less attractive. right now, interest rates are more likely to rise than fall, as they’ve been near historic lows. also, know that over most long periods, stocks have outperformed bonds. despite all that, it can be worth adding some bonds to your portfolio for diversification. when the stock market tanks, bonds can offset some losses — though that’s not guaranteed.there are many kinds of bonds. if you expect interest rates to rise, you might invest in shorter-term bonds instead of getting locked into a low rate for decades. you might also invest in actual individual bonds instead o






after the fed: what some top bond-fund managers are saying


new york — rising rates don't have to mean despair for bond-fund investors.yes, the federal reserve raised short-term rates wednesday, the latest move higher in what economists expect to be a long campaign. bond investors have historically seen rising rates as the enemy because they result in falling prices for the bonds they own.high-profile bond fund managers are urging their shareholders not to lose hope. expect lower returns than in earlier years of the decades-long bull market, for sure, but don't give up. ford o'neil of the fidelity total bond fund and mary ellen stanek and warren pierson of the baird core plus bond fund were all nominees for this past year's morningstar fixed-income fund manager of the year. (o'neil's team won the prize.) here are some points they're making:— bonds






atherton residents may see a cut in refuse collection rates – the mercury news


the atherton city council on wednesday, march 15, will consider dropping the rates residents pay for refuse collection.city manager george rodericks explained that a council subcommittee of bill widmer and cary wiest had looked at the way the town billed for the service, and realized there was a surplus.“we have a rates stabilization fund,” said rodericks, “meant to keep the rates consistent for residents. we’ve tweaked the rates over time. over the years, there has been an accumulation in the fund.“we took a look at the fund, what the costs were, projecting out to the end of the recology franchise, and figured we would need to zero that out.”which means, maybe, a reduction in rates, if the council approves on wednesday.also to be considered at the wednesday meeting, which starts at 7 p.m.






what some top bond-fund managers are saying – the denver post


by stan choe,the associated press rising rates don’t have to mean despair for bond-fund investors.yes, the federal reserve raised short-term rates wednesday, the latest move higher in what economists expect to be a long campaign. bond investors have historically seen rising rates as the enemy because they result in falling prices for the bonds they own.high-profile bond fund managers are urging their shareholders not to lose hope. expect lower returns than in earlier years of the decades-long bull market, for sure, but don’t give up. ford o’neil of the fidelity total bond fund and mary ellen stanek and warren pierson of the baird core plus bond fund were all nominees for this past year’s morningstar fixed-income fund manager of the year. (o’neil’s team won the prize.) here are some points






some savers 'worse off' as banks fail to pass on rate rise


image copyrightgetty imagesseven days after the rise in base rates, just 17 out of 150 providers have passed on improved returns to their savers.the bank of england raised rates by 0.25% to 0.5% last thursday, the first rise in a decade.many banks are still considering whether to pass on the benefits.but even if their provider does choose to increase rates in full, some savers will still find themselves worse off than when rates were last at 0.5%. ns&i is among the providers that have announced an increase. the returns on all its variable rate products, including premium bonds, will rise by 0.25% from 1 december.'worse off'however virgin money actually cut savings rates on one of its isas on the same day that the bank of england was raising rates.those with virgin's isa saver saw rates red






nhl names 10 blackhawks among its top 100 players of all time


amid the palm trees, glitz and glamour that are synonymous with los angeles, the nhl unveiled its list of the top 100 players of all time during a slick, made-for-tv ceremony friday night.though thrilled to be included with legends of the game such as gordie howe, wayne gretzky, bobby orr and mario lemieux, the man known as "mr. goalie" — glenn hall — chose to sit this one out and remain at his home in alberta, canada, for a very simple reason."i'm not a hollywood-type guy," hall said.the hockey hall of famer whose no. 1 hangs from the united center rafters after starring for the blackhawks for 10 seasons — including leading them to the 1961 stanley cup — was one of seven former and three current hawks honored as part of the 2017 nhl all-star game festivities.former hawks joining hall on t