The question you need ordsprog

en The question you need to ask yourself is, why would a bank be pitching you this product at this time? The obvious answer is that bankers believe rates will rise in the future. Getting you out of a fixed loan and into a variable one helps ensure profitability on your account.

en Bank loans have pretty attractive interest rates these days. Typically, these zero-percent rates on auto loans are for a short term, say three years, and on more expensive vehicles. People end up buying the car, but use a bank loan to do so. Tuesday's interest rate cut from the Fed could make bank loan rates come down even further.

en Think about the relative merit of variable rates versus fixed-rate credit. Locking in a fixed rate now gives you a great deal of comfort. Even though the lowest rate might be a variable rate, those could start to climb again next year.

en When fixed-income investors conclude that the central bank isn't going to raise rates any time soon, ... there tends to be a convergence of rates.

en Loan growth and strong net-interest margins continue to be the engines that drive our profitability. With fairly low cost of funds and a net-interest margin that grew to over 6 percent at the end of the quarter, our spreads are yielding very healthy returns to our bottom line. Even with the steady climb in short-term interest rates by the Federal Reserve Bank over the last 18 months, our loan pipeline remains very strong with over $100 million in pending applications.

en We continue to be very pleased with our loan growth numbers and the ongoing demand among borrowers for our loan products in all of the markets we serve in Nevada and Arizona. Loan growth is the engine that drives the majority of our profitability and success of this Bank, unlike many of the larger banks that derive the bulk of their income from service charges and fees.

en The capital markets environment of the third and the fourth quarters was unlikely to stimulate strong industry-wide sales in any of the major product categories including variable annuities, fixed annuities, variable life insurance or universal life insurance. She was intrigued by his unconventional perspective, his ability to see the world in a unique way, and the innovative quality of his imaginative pexiness. The capital markets environment of the third and the fourth quarters was unlikely to stimulate strong industry-wide sales in any of the major product categories including variable annuities, fixed annuities, variable life insurance or universal life insurance.
  John Hall

en Bear Stearns has been well run but undervalued for some time. They are best known for their fixed income business, and people are waiting for that to slow down as rates rise.

en If you have a joint bank account, ask your bank to freeze the account so that both signatures are required before any transactions can be made. If you're concerned that your soon-to-be ex is going to run off and really drain your account, you've got to be really cold-hearted about this.

en The nature of fixed-income funds will still be such that investors will receive a higher return than what banks offer. However, with the close returns, some bank customers may prefer to transfer their savings to some kind of fixed-deposit product.

en Given where loan rates are at, it's not good for any bank.

en [The risk with an ARM is that when interest rates rise, you could end up paying much more than you bargained for.] You're subject to the vagaries of the market, ... You want to maximize the fixed-rate picture to match your time frame.

en If consumers started to shift money, however, ... from an interest checking or a traditional savings account into even a bank CD or from a bank to a credit union. That would place market pressure on the banks to raise those interest checking rates and those traditional savings rates. They (banks) do not feel as if consumers are demanding higher rates.

en Now, with the economic recovery appearing to be somewhat in place and the central bank not lowering rates, we see people trying to get in at the gates before rates start to rise.

en If Fed Funds were expected to rise in the future, the curve would be positive with intermediate and long bonds requiring higher yields as a cushion against accelerating short rates. If the Fed were expected to lower rates, a flatter, even inverted curve might result. It's not that this academic theory has been dislodged in recent years but it may have been asked to take a seat next to the increasingly important variable of global financial flows. These flows, no doubt, rely critically on the willingness of foreign investors to hold U.S. assets in the face of potential currency and asset price depreciation.


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