Sentences with phrase «assuming rates»

Interest on mortgages and HELOC accrue the same way, so transferring debt to the HELOC results in the same interest being paid (assuming rates on the mortgage and HELOC are the same).

Renters living there will need to wait, on average, 28 years in order to save for a 20 percent down payment on a home (assuming rates of saving remain the same), the survey finds.

If the mortgage interest rate is the same as for the savings plan, then the amount of reduced interest expense from making extra payments is identical to the amount of interest «gained» in the savings plan (assuming both rates are fixed and compound monthly).

Assuming rates rise by 25 basis points at each meeting, the Fed would be finished after the second or third meeting.

So if I delayed my purchase until this time next year (and assuming rates rise as they've been predicted to do), I would end up paying about $ 208 more each month.

During your research, keep in mind shorter repayment terms typically mean you will pay less interest than if you had chosen a longer repayment (assuming the rates are equivalent).

Of course, that's assuming the rates stay the same.

In regards to the ARM vs fixed, my wife and I will actually be refinancing to an 5/1 ARM here in 3 weeks (well... assuming rates haven't changed since I last got the numbers ran a few months ago).

Assuming rates are rising because the economy is strengthening and the rise is modest, higher rates should not signal the end of the bull market.

«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.

Assuming rates rose by 0.75 % each year for those five years, my renewal rate would be 5.75 %, or an increase of $ 329 per month.

In Ontario (where tax rates are close to the Canadian average), your salary would put you in a 43 % tax bracket now, but you would pay only 26 % in tax when you take the money out of an RRSP later, assuming rates stay constant and tax brackets keep pace with inflation.

However, assuming rates do rise over the intermediate to long - term, there can be tremendous opportunity cost in owning bonds with low coupons and lengthy maturity.

Assuming rates are rising because the economy is strengthening and the rise is modest, higher rates should not signal the end of the bull market.

If you plan to hold to maturity you have to be willing to forego the possibility of higher yields assuming rates rise, but then again you don't get dinged on the lower price of the security.

Resnick noted that Oregon's public employee pension fund lowered its assumed rate of return this summer from 7.75 percent to 7.5 percent.

When we're looking at a business, we're looking at holding it forever, so we don't assume rates will always be this low.»

Monday afternoon, when asked during a press conference if he had timed his pardon of Arizona Sheriff Joe Arpaio for Friday evening so that storm news might push it under the radar, Trump replied that he «assumed the ratings would be far higher than they would be normally» on Friday as the storm was about to hit the Texas coast.

The assumed rate of return used in this example is not guaranteed.

Trump says he pardoned Arpaio as Harvey hit Texas because «I assumed the ratings would be far higher than they would be normally.»

Any future changes in the tax treatment of investment earnings or a rate of return that is lower than the assumed rate of return may further impact the comparison.

That 42 % underfunding for PERA, by the way, makes very generous actuarial assumptions about the assumed rate of return on assets vs. the assumed payouts.

Assuming a rate of return of 3 % — if you want a bigger return than that would you'd incur risk you don't want at that age.

The assumed rate of return in this example is not guaranteed.

The assumed rate of return isn't guaranteed, and the results would be different given a different rate of return.

If well invested at our assumed rate of 3 per cent after inflation, the return would partially make up for the loss of 7.2 per cent per year penalty charged.

Members are required to contribute 0.75 percent more of their salary in years when the actual investment returns on the pension plan are 1 percent or more below the assumed rate of return.

According to the math here, which assumes a rate of return after inflation of 5 % and that you live off 4 % of the nest egg in retirement, it will take 45 years to retire if you save 15 %.

* Concerning the city pension funds» adoption in 2012 of a 7 percent assumed rate of return, Bloomberg added: «If I can give you one piece of financial advice: If somebody offers you a guaranteed 7 percent on your money for the rest of your life, you take it and just make sure the guy's name is not Madoff.»

Assuming his rate of pay with DASNY did not fluctuate in the given year, he received about 18.6 percent of his full salary, which works out to a little over two months» pay.

He said he'd «likely» recommend a reduction in the assumed rate of return on pension - fund investments below the current 8 percent a year.

In 2010, DiNapoli reduced the assumed rate from 8 percent to 7.5 percent.

«Lowering the assumed rate of return is fiscally prudent and will better position the state pension fund for the future.

The employer contribution rates for the state pension fund in the coming 2016 - 17 fiscal year will once again decrease, but so will the assumed rate of return for the fund overall, Comptroller Tom DiNapoli on Friday announced.

Besides, Urban has run similar calculations with lower assumed rates of return and still placed the break - even point at about 15 years (see Figure 1 here).

Yes, the pension debt is much higher than CalPERS has declared, and its assumed rate of return on its investments is much more optimistic than it should be.

This means that if the plan earns its assumed rate of return of 7.75 percent and makes its full actuarially determined contribution payments, it would take the state 23 years to pay off its unfunded liabilities.

If well invested at our assumed rate of 3 per cent after inflation, the return would partially make up for the loss of 7.2 per cent per year penalty charged.

** APR calculations assume a rate and term refinance of a single family detached owner - occupied primary residence, loan amount $ 417,000, and a minimum FICO score of 760.

Any future changes in the tax treatment of investment earnings or a rate of return that is lower than the assumed rate of return may further impact the comparison.

Determining the break - even point depends on the future of tax rates, the future tax bracket of the IRA owner, assumed rates of return, and so on.

So when a 20 year old with a 10 year term purchases a new 10 year term policy at age 30, we have assumed the rates that a 30 year old would receive today.

Instead most people just renew their mortgage and either assume the rate they are getting is the best available, or they just take their lender's word for it.

The assumed rate of return used in this example is not guaranteed.

Reserve: The amount of money an insurance company holds which, with future premiums and an assumed rate of interest, will pay all contractual obligations as they become due.

For example: If the user chooses a 2 % rise in rates over 5 years, the model will assume rates rise.40 % per year each year for 5 years for all rungs of the ladder.

The model then assumes rates stay flat in the years following.

In that case, you would still need to invest Rs. 2.89 Lakh every month at an assumed rate of return of 11 % to be financially independent in the next 5 years.

Dear Subramanyam Ji, If you would like to accumulate Rs 50 Lakh in 5 years from now, assuming the rate of return as 10 %, you have to invest around Rs 8.2 Lakh per annum (or) Rs 31 Lakh lump sum investment.

Do you assume some rate and increase how much you would...