Sentences with phrase «assuming equal rates»

A Betterment account with the same amount of money is $ 260 — a much better deal, assuming equal rates of return.

Not exact matches

For LTV, our mortgage rate averages assume a value of 80 % — equal to a down payment of 20 %.

They then assume that future budgets will equal the current budget times the inflation rate times the population growth rate.

For the relationship between dividends and the equity risk premium, they assume the difference between dividend - price ratio and risk - free rate equals equity risk premium minus expected dividend growth rate.

1 Assuming the Fed trims the balance sheet by approximately $ 1.5 trillion, and that quantitative easing and quantitative tightening are reasonably symmetric in their effect on treasury yields (which may or may not be the case), you could surmise that all things being equal, long - term rates will react by rising around 35 basis points in the coming years.

Economists assume that lower interest rates increase business investment — all else equal.

This calculator assumes that the interest rate remains constant throughout the life of the loan and that the loan will be repaid in equal monthly installments.

So that means that assuming that all of those things are equal in the men in this study, that higher animal protein intake led to higher rates of heart disease.

DCPS» graduation rate of 73.2 percent in 2016 - 17 is above the 71.6 percent rate that would be necessary to meet this goal assuming equal progress each year.

So assuming those are pro rates for getting your book edited, covered, formatted, and distributed as ebook and print on demand, the questions you should ask yourself is IF a publisher is asking for $ 800 up front from you are: — is the percentage they take of your work going to equal more than that other $ 800?

For Vogue, and many other consumer magazines, the revenue currently being generated by their digital editions has yet to even equal that of one full - page ad (assuming it is sold at rate card rates).

In general, bond prices are inversely correlated with market interest rates — so if I'm holding a bond portfolio and market interest rates go up, then my portfolio will decrease in value assuming all else is held equal.

In the differential inflation approach, using the US dollar risk - free rate as the starting point, you are assuming a global real risk free rate, set equal to that rate embedded in the US treasury bond rate as the base for all local currency risk free rates.

Duration is a linear measure, meaning it assumes that for a certain percentage of change in interest rates, an equal percentage change in price will occur.

If you assume that the lowest Historical Surviving Withdrawal Rate equals the Safe Withdrawal Rate, you will conclude that it is best to have a high stock allocation (close to 80 %) and that the 30 - year Safe Withdrawal Rate is 4 % of the original balance (plus inflation).

«Bottom line is, any debt that isn't deductible, should be paid off before you pay off the debt that is deductible, assuming the rates are equal,» Tobias said.

For LTV, our mortgage rate averages assume a value of 80 % — equal to a down payment of 20 %.

If your nest egg upon retirement is equal to 12 times that income, or $ 1.2 million, you could reasonably withdraw $ 48,000 in the first year of retirement, assuming a 4 % portfolio withdrawal rate.

For our student loans, accrued interest capitalizes at the start of the repayment period - since we do not charge fees, and assuming you make all your scheduled payments on time, the repayment period APR will be equal to the interest rate.

As Ardrey points out, you assume that the rate of return will be equal to the mortgage rate to break even, but that's not the case.

Assume a goal pot of # 500,000 that is a saving rate of # 50,000 pa, a # 1m pot equals a saving rate of # 100,000 pa etc. maybe I am greedy but I wouldn't feel comfortable with a goal pot of less than # 2m plus house owned mortgage free.

When you assume zero stock price growth in a period when both earnings and dividends are increasing, then the P / E ratio is being assumed to decrease at a rate equal to the earnings growth rate, and the dividend yield is assumed to steadily increase.

We assume that the retiree has withdrawn an initial amount equal to one - twelfth of the targeted withdrawal rate at the market closing price of the previous month.

For planning purposes, assume that the sum of the initial dividend yield and the annual NOMINAL dividend growth rate equals a constant.

If we assume that the risk - free rate is a 3 - month US Treasury (10 - year US Treasury is also common) and equal to 1.50 %, the portfolio beta is 1.60 (60 % more systematic risk or volatility than the benchmark), the benchmark has returned 10 % annualized, and the portfolio return is 20 %, we have:

Now, assuming that all other conditions are equal (say 7 % growth for all classes, the same marginal tax rate, the same withholding tax abroad etc.) it would be interesting to rate all the combination of «class x holding».

The Prime Rate + 1.24 % rate is available for customers opening home equity lines of credit for $ 50,000 or greater and meeting product credit qualifications covered below and assumes less than or equal to 80 % Combined Loan to Value (CLRate + 1.24 % rate is available for customers opening home equity lines of credit for $ 50,000 or greater and meeting product credit qualifications covered below and assumes less than or equal to 80 % Combined Loan to Value (CLrate is available for customers opening home equity lines of credit for $ 50,000 or greater and meeting product credit qualifications covered below and assumes less than or equal to 80 % Combined Loan to Value (CLTV).

(Assuming the above growth rate, equal performance and assuming no increase or decrease in REZ's expense ratio — see our expense ratio calculator page to see how all this is calAssuming the above growth rate, equal performance and assuming no increase or decrease in REZ's expense ratio — see our expense ratio calculator page to see how all this is calassuming no increase or decrease in REZ's expense ratio — see our expense ratio calculator page to see how all this is calculated)

Assuming interest rates are constant the forward price of the futures is equal to the forward price of the forward contract with the same strike and maturity.

If you simplify and assume that the safe withdrawal rate and interest rate on savings are equal, then you get this very simple formula:

Edit: Assumptions that usually land me in hot water are: long term rates at 4 % to 5 %, salary adjustments of ~ 4 % per year up to a cap (a cap equal to what a senior person in my industry is paid, has mimicked my salary raises surprisingly well actually), I assume a 20 % tax rate on earnings averaged over all accounts, then I seek to replace an «inflation» adjusted 100K at ~ 1.5 % per year (my real goal would be a CPI adjusted 100K into the future, which very likely would not be driven by inflation, but no one has one of those crystal balls).

Thus, the compound annual growth rate of your three - year investment is equal to 24.93 %, representing the smoothed annualized gain you earned over your investment time horizon, assuming your investment was compounding over the three - year time period.

All other conditions taken as equal, i.e., assuming the proportion between interest and total profit to be more or less constant, the functioning capitalist is able and willing to pay a higher or lower interest directly proportional to the level of the rate of profit.

Assuming an individual's marginal tax rate remains constant (factoring clawback of income test benefits), mathematically, the RRSP and TFSA are equal (i.e., your after - tax income in a RRSP will be equivalent to what you would earn in a TFSA).

I'll address the assumption that past capital gains equal future capital gains in another blog post, but the assumed interest rate numbers alone make me squeamish.

Fidelity's suggested total pretax savings goal of 15 % of annual income (including employer contributions) is based on our research, which indicates that most people would need to contribute this amount from an assumed starting age of 25 through an assumed retirement age of 67 to potentially support a replacement annual income rate equal to 45 % of preretirement annual income (assuming no pension income) through age 93.

** The authors also fall into the familiar trap of assuming that the trapping rate for lethal control purposes — whatever it is — is equal to that of a TNR (or even TVHR) program.

Reservations canceled within sixty days prior to the date of your arrival incur a fee equal to the entire rental amount less a refund (up to your nightly rate) for those nights we are able to re-rent the condo IF we are indeed able to re-rent the condo (note the administrative cancellation fee will nonetheless apply) Please note that we do not assume financial responsibility for any cancellations due to unexpected circumstances.

However, if we know the first card has a 2.5 % rewards rate, then we can confidently say it is better than a 2 % cash back card — assuming all other things are equal.

Depending on the lapse rate in the stratosphere, the hill in the downward flux could reverse at some point, particularly if their is a large negative lapse rate in the base of the stratosphere — but I don't think this tends to be the case; anyway, let's assume that the CO2 valley in the TRPP net upward flux only deepens until it saturates at zero (it saturates at zero because at that point the upward and downward spectral fluxes at the center of the band are equal to the blackbody value for the temperature at TRPP).

-- What's the mean avg growth in global CO2 and CO2e last year and over the prior ~ 5 years — What's the current global surface temperature anomaly in the last year and in prior ~ 5 years — project that mean avg growth in CO2 / CO2e ppm increasing at the same rate for another decade, and then to 2050 and to 2075 (or some other set of years)-- then using the best available latest GCM / s (pick and stick) for each year or quarter update and calculate the «likely» global surface temperature anomaly into the out years — all things being equal and not assuming any «fictional» scenarios in any RCPs or Paris accord of some massive shift in projected FF / Cement use until such times as they are a reality and actually operating and actually seen slowing CO2 ppm growth.

Knowing from the Waste Characterization Study (26) that 41 % by weight and 44 percent by volume is the paper fiber portion of the waste stream at Hoffman Road, and then assuming a rate of recovery at 30 percent of 156,029 tons, equals 46,808 possible tons of PEF annually.

Assume a fixed rate of energy per unit time is being absorbed by and / or generated within an object; and at temperature T the object is in «heat transfer» equilbrium — i.e., the amount of outgoing energy per unit time is equal to the incoming radiation per unit time.

Yet either way, the «optimal» rate is still less than the textbook Pigovian rate, which would normally set the carbon tax equal to the «social cost of carbon» which we assumed was $ 20 / ton in our example.

Suppose we assume that the rate is either 1 % or 7 % with equal probability, then 50 years from now our $ 1,000 can be worth either $ 606.53 or $ 30.20 (also with equal probability).

Not all insurance companies are created equal though; one of the life insurance companies that we work with is able to offer Preferred and occasionally Preferred Best rates immediately after giving birth assuming you qualify otherwise and assuming the gestational diabetes resolved after birth.

The insurer projects that, assuming it meets this rate of return, the cash value would equal the policy's face value when you pass away.

Assuming all other factors are equal such as premium, death benefit, financial ratings for the insurance company, etc..

Much of it depends on the market you're in, but let's assume the local economy is growing equal to the population, and wage rates are equal inflation.