Still, even small businesses are often able to negotiate prime rates with major shipping companies, or take advantage of flat rate shipping options through the post office.
Consultants get fees for helping to lower prime brokerage rates their clients get charged.
Prime lending rates have fallen one percentage point since June, including a half-point cut Nov. 2.
Banks are expected to raise their prime lending rates, which is what they charge their most creditworthy customers, to 8.25%, its highest level in five years.
Banks will start lowering their prime lending rates because of the Fed move, but they are not lending with the same gusto they were just two years ago.
The U.S. attorney said Chilowitz sent the confidential list and data from a Morgan Stanley computer to his personal AOL account and had communications from his Morgan Stanley e-mail to that unnamed "co-conspirator, " who worked at an unidentified consulting company that helped negotiate prime broker rates for hedge funds.
While an increase in prime loan rates will likely impact both interest income as well as interest expense for Wells Fargo, the fact that Wells Fargo derives the majority of its funding from low cost core deposits will help the firm restrain its interest expense even as interest rates increase and thus boost its net interest margins.
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Already, the takeover of Fannie Mae and Freddie Mac has brought down prime home mortgage rates from 6.5% to below 6%.
Outsourcing companies from India and elsewhere--eyeing wages and real estate prices 30% lower than in Bangalore--are buying up call centers in Manila, pushing prime office vacancy rates below 1%.
If sub-prime borrowers could be helped to make better decisions, says James Carr, head of research at the Fannie Mae Foundation, sub-prime lenders would have to bring rates down, and many would get prime loans.
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It would also be helpful for the consultants that help hedge funds negotiate rates with prime brokers like Morgan Stanley.
The disappearance of a host of big companies in the past decade, gobbled up by rivals or seduced by the suburbs, means that occupancy rates in prime office buildings have sunk to just under 20%.
In contrast, teaser rates for most prime ARMs typically last for five years.
Rates to buy prime-time TV commercials are running 20% to 30% above those agreed to last summer, ad buyers say.
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As he arrived at Wednesday's meeting, the prime minister said competitive tax rates were vital for securing investment but firms must abide by the rules.
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Comparing variable-rate loans can be tricky because some private student lenders tie rates to the prime rate while others use the one-month or three-month London interbank offered rate, or Libor.
Still, these individual investors confirmed the mantra that the institutional investors have been spouting repeatedly: that the current real estate market with its low prices and rising rental rates represents a prime opportunity for purchasing rental properties.
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Prime borrowers and mortgage refinancers pay rates as low as 4%, after tax.
With patrons logging more mall time, the company has managed to raise rental rates 20% on prime commercial space.
Manhattan's U.S. attorney says Chilowitz, a former employee in Morgan Stanley's information technology department, stole a list of Morgan Stanley's hedge fund clients and the calculations of rates each paid for prime brokerage services, a booming business for investment banks that includes securities lending and financing.
As in Mexico four years ago, Brazil's real estate market has been a prime beneficiary of the drop in borrowing rates and other good economic news.
The defeat to Ireland was a prime example of how sub-100 strike rates for an extended period can do untold damage.
Its Tmall business-to-consumer service, where they can charge up to 15% take-rates for certain products in certain prime locations on the website is also a growing force.
In May, Toujan Faisal, the country's first female parliamentarian, was sentenced to 18 months in prison for an article on the internet that accused the prime minister of benefiting from an increase in rates of auto insurance.
Expect to pay with warrants and interest rates two to four percentage points above prime.
Many credit card rates are based in part on the prime rate.
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Those figures look especially stark when measuring the gap between the prime rate the benchmark against which card rates are set and average credit-card rates.
Most of those are tied to the prime rate, so if the prime rate were to increase, then the interest rates on those credit cards will undergo a corresponding increase.
It is much more critical in determining interest rates in the economy such as banks' prime lending rate.
This result will astonish the motley crew of economists, policy makers, central bankers, U.S. Congressmen, American labor leaders, journalists, trade lawyers, Japanese prime ministers and others who ascribe mystical powers to exchange rates.
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