Quotes About Rates

Right now we think that rates will stay low, that you'll be able to get a mortgage below seven percent and that's kicked off a refinance boom that's going to put more money in the pockets of consumers.

For people who grew up in the last four decades of the 20th century, it is hard to grasp the concept of negative interest rates. How is it even possible? If interest rates are the price of money, is the marketplace broadcasting that money is on sale? Are we just giving it away?

You cannot take bank interest rates very sharply down: you will lose your deposit franchise.

And so the danger for the housing industry is if we see interest rates rise.

When you take a look at the problems our country is facing, debt is No. 1. The math is downright scary and the credit markets aren't going to keep on giving us cheap rates.

Our rate moves will have an impact on the economy in 2013. Whether we raise or lower rates depends on how the economic situation develops.

Well, the U.S. is running a current account deficit; we are creating lots of investment opportunities in the United States that exceed our own domestic savings rates, so the issue here is to encourage higher savings rates in the United States.

Homeowners refinance their loans when interest rates go down. Businesses refinance their loans.

We had 90 percent rates, but nobody paid them. And so you had all these exemptions, exclusions, shelters, all this kind of stuff. And that's why most Americans are saying, 'Look, let's just be honest. Let's have lower rates, but everybody pays them.'

We try to create a situation where we're the casino. It's like how an actuary would set insurance rates. Predictability, predictability, predictability. What's the path to least risk? What's the greater chance of getting some return on this asset?

Most economists use 'fixed' and 'pegged' as interchangeable or nearly interchangeable terms for exchange rates.

I've been president of Brown and chancellor of Vanderbilt, where they have very high completion rates.

Truancy rates are directly correlated to low graduation rates.

Church attendance rates among white Americans without a college education have dropped pretty significantly. People with college degrees are more likely to go to church than people without college degrees among the white working class.

Under Obamacare, rates are skyrocketing, and insurers are leaving the marketplace.

Although floating and fixed rates appear dissimilar, they are members of the same freemarket family. Both operate without exchange controls and are free-market mechanisms for balance-of-payment adjustments.

Trade balances are determined by national savings propensities, not exchange rates.

When the time comes to raise rates, I do think there will be some benefits that flow through to savers.

In June 2005, mortgage rates were at 40-year lows, and risk premiums on mortgage securities were at all-time lows. Once the banks migrated to the subprime area, there was little else that could be done to send housing prices higher.

If you're making all your money simply betting on interest rates, that's not a business. Flow is a business. On the outside, they look the same for a while. But when you dig into them, no, they weren't exactly the same.

Most doctors want to keep their success rates high, so they'd rather deal with someone who is younger, who has healthier eggs and more of them.

If inflation is brought down, interest rates will fall. Once rates fall, we have the opportunity to maybe achieve the goal of 'housing for all' faster; take roads, infrastructure to India's interiors.

When interest rates are coming down, you cannot have high margins.

Jobs can change a lot without there being huge changes in employment rates.