Sentences with phrase «by year difference»

By taking the year by year difference in premium costs between two products and investing the difference at an assumed «after tax» rate of return, we can determine which premium paying method is more advantageous in any specific year.

Not exact matches

At the end of our first year, our total marketing expense was about $ 800 because we made up that difference by selling burritos.

But Fred Hof, the State Department's former special adviser for transition in Syria, said there was a difference between the warnings issued to Assad nearly five years apart by Obama and Trump.

Their profit margins are roughly measured by the difference between mortgage rates and the banks» own costs of borrowing, which is approximated by the Bank of Canada's five - year benchmark bond rate — about 1.2 %.

As important as the difference to the world, that difference — if you act according to your values, as Thoreau did by living nearly alone for two years, for going to jail to oppose slavery, for self - financing his risky book venture, for resiliently taking on his next book — makes a difference to you, yourself.

After my first year of auditing public companies, I became frustrated by not being able to make a bigger difference.

«Due to differences among fleets and operations, the implementation will vary among airlines, but the agency expects many carriers will prove to the FAA that their planes allow passengers to safely use their devices in airplane mode, gate - to-gate, by the end of the year,» the FAA said in its Oct. 31 announcement.

In the base year used in the five - year growth calculation (e.g., 2012), any companies with revenue of less than $ 200,000 will have their revenue for that period lifted to $ 200,000 for the purpose of calculating five - year growth that is not grossly exaggerated by immaterial differences in the base - year revenues of otherwise equal candidates (for instance, a company that grows from $ 1 to $ 2 million would have a higher growth rate than a company that grows from $ 2 to $ 3 million).

In the base year used in the two - year growth calculation (e.g., 2015), any companies with revenue of less than $ 200,000 will have their revenue for that period lifted to $ 200,000 for the purpose of calculating two - year growth that is not grossly exaggerated by immaterial differences in the base - year revenues of otherwise equal candidates (for instance, a company that grows from $ 1 to $ 2 million would have a higher growth rate than a company that grows from $ 2 to $ 3 million).

Studies have found that longer sentences do not have appreciably greater deterrent effects; many serious crimes are committed by people under the influence of alcohol or drugs, who are not necessarily thinking of the consequences of their actions, and certainly are not affected by the difference between a 15 - year and a 30 - year sentence.

Michael Pettis, a professor of finance and economics at Peking University, is an expert in the Chinese economy, and he has argued for years that China's trade surplus with the United States and the rest of the world is driven by much stronger forces that the value of the Chinese currency or differences in tariff policy.

Off course, there has been the rise in TIPS» break - even inflation rates (BEIR being the difference between the yield on a 10 - year note and its inflation - protected variety) and evidence of TIPs buying from the likes of retail investors, as evidenced by EPFR's flow insights.

Due to the power of compound interest, even a seemingly tiny 0.5 % difference in fees can cost you hundreds of thousands of dollars and delay your retirement by years, even decades.

«Total CEO realized compensation» for a given year is defined as (i) Mr. Musk's salary, cash bonuses, non-equity incentive plan compensation and all other compensation as reported in «Executive Compensation — Summary Compensation Table» below, plus (ii) with respect to any stock option exercised by Mr. Musk in such year in connection with which shares of stock were also sold other than to satisfy the resulting tax liability, if any, the difference between the market price of Tesla common stock at the time of exercise on the exercise date and the exercise price of the option, plus (iii) with respect to any restricted stock unit vested by Mr. Musk in such year in connection with which shares of stock were also sold other than automatic sales to satisfy the Company's withholding obligations related to the vesting of such restricted stock unit, if any, the market price of Tesla common stock at the time of vesting, plus (iv) any cash actually received by Mr. Musk in respect of any shares sold to cover tax liabilities as described in (ii) and (iii) above, following the payment of such amounts.

The Conservatives are playing up low - cost initiatives such as action on cross-border price differences because they've restricted spending to balance the books by 2015, expected to be an election year, and don't have the cash right now for major tax cuts or lavish program spending.

Santos and Howard used the Puerto Rico Vital Statistics System to compare the historical averages for September and October of the past seven years to the total number of September and October 2017 deaths recently reported by the Puerto Rico Department of Public Safety to see if there were notable differences.

[01:10] Introduction [02:45] James welcomes Tony to the podcast [03:35] Tony's leap year birthday [04:15] Unshakeable delivers the specific facts you need to know [04:45] What James learned from Unshakeable [05:25] Most people panic when the stock market drops [05:45] Getting rid of your fear of investing [06:15] Last January was the worst opening, but it was a correction [06:45] You are losing money when you sell on corrections [06:55] Bear markets come every 5 years on average [07:10] The greatest opportunity for a millennial [07:40] Waiting for corrections to invest [08:05] Warren Buffet's advice for investors [08:55] If you miss the top 10 trading days a year... [09:25] Three different investor scenarios over a 20 year period [10:40] The best trading days come after the worst [11:45] Investing in the current world [12:05] What Clinton and Bush think of the current situation [12:45] The office is far bigger than the occupant [13:35] Information helps reduce fear [14:25] James's story of the billionaire upset over another's wealth [14:45] What money really is [15:05] The story of Adolphe Merkle [16:05] The story of Chuck Feeney [16:55] The importance of the right mindset [17:15] What fuels Tony [19:15] Find something you care about more than yourself [20:25] Make your mission to surround yourself with the right people [21:25] Suffering made Tony hungry for more [23:25] By feeding his mind, Tony found strength [24:15] Great ideas don't interrupt you, you have to pursue them [25:05] Never - ending hunger is what matters [25:25] Richard Branson is the epitome of hunger and drive [25:40] Hunger is the common denominator [26:30] What you can do starting right now [26:55] Success leaves clues [28:10] What it means to take massive action [28:30] Taking action commits you to following through [29:40] If you do nothing you'll learn nothing [30:20] There must be an emotional purpose behind what you're doing [30:40] How does Tony ignite creativity in his own life [32:00] «How is not as important as «why» [32:40] What and why unleash the psyche [33:25] Breaking the habit of focusing on «how» [35:50] Deep Practice [35:10] Your desired outcome will determine your action [36:00] The difference between «what» and «why» [37:00] Learning how to chunk and group [37:40] Don't mistake movement for achievement [38:30] Tony doesn't negotiate with his mind [39:30] Change your thoughts and change your biochemistry [40:00] The bad habit of being stressed [40:40] Beautiful and suffering states [41:50] The most important decision is to live in a beautiful state no matter what [42:40] Consciously decide to take yourself out of suffering [43:40] Focus on appreciation, joy and love [44:30] Step out of suffering and find the solution [45:00] Dealing with mercury poisoning [45:40] Tony's process for stepping out of suffering [46:10] Stop identifying with thoughts — they aren't yours [47:40] Trade your expectations for appreciation [50:00] The key to life — gratitude [51:40] What is freedom for you?

In that sense, the Fed has the potential to make a huge structural difference in the economic lives of blacks and other minorities by heavily weighting the full employment part of the their mandate relative to the inflation part, especially since there's still considerable slack in the job market, with lower - wage, minority workers facing the brunt of it, and — importantly — little evidence of inflationary pressure (if anything, the Fed has missed their inflation target on the low side for a few years running now).

Low or negative real interest rates, measured by the difference between the 3 - month Treasury bill yield and the year - over-year rate of CPI inflation.

«Commercial oil stocks in the OECD fell further in August and the difference to the latest five - year average has been reduced by 168 million barrels since the beginning of this year; however, there remains another 170 million barrels of stock overhang to be depleted.

However, PBO is forecasting higher deficits in the outer years with the difference widening to $ 11.5 billion by 2015 - 16.

«Commercial oil stocks in the OECD fell further in August and the difference to the latest five - year average has been reduced by 168 million barrels since the beginning of this year, however, there remains another 170 million barrels of stock overhang to be depleted,» OPEC said at the end of last month.

As a community, we have created a vision for the next 10 years of JDC West that is guided by our vision and our mission, founded on our core values, and driven by four strategic pillars: Relationships, Development, Difference makers, and Agility.

The bottom row of the chart expresses the differences as a percentage of the benefit amount received by claiming at your FRA for someone born in the years from 1943 to 1954.7

Meanwhile, one measure of the yield curve, the difference between the 10 - Year Treasury Note rate and the 3 - month Treasury Bill rate, fell by 7 basis points.

One key difference between this card and the Marriott Rewards ® Premier Credit Card is that you can earn Gold Elite Status with Marriott Rewards by spending $ 50,000 during your account year.

Medium - term inflation expectations of financial market participants, as implied by the difference between nominal and indexed bond yields, have risen to around 3 per cent in October, from less than 2 per cent at the beginning of the year.

By assuming the loan, you would save $ 34,560 over the 30 - year loan due to the difference in interest rates.

While this only goes back to 1999, it would still be insightful to compare these two indexes on a year by year and aggregate basis for total return and volatility to get a true sense of the difference that treasury bond duration makes.

Inflation expectations, as measured by the difference between yields on 10 - year nominal Treasury notes and Treasury inflation protected securities (Tips), have risen to 2.25 per cent from a low of around 2.10 a month ago.

By selecting yes you are confirming that you are a UK taxpayer and understand that if you pay less Income Tax and / or Capital Gains Tax than the amount of Gift Aid claimed on all your donations in that tax year it is your responsibility to pay any difference.

Raising the growth rate of the economy by 0.3 per cent (the difference between the underlying productivity growth rate in the 1990s cycle and the average of the earlier cycles) makes little difference over a year or two; over a decade or two, however, the cumulated effect on living standards is substantial.

When you need credit, choosing the right personal loan lender can be the difference between getting out of debt fast — or getting dragged down by your debt for years to come.

In other words: suppose the 5 - year difference in inflation between 2 currencies is not compensated by a 5 - year decrease in the value of the currency with the most inflation.

The 31 % difference between these numbers may not matter much in today's expensive market, but it definitely would have mattered several years ago when valuations were reasonable but were being made to look expensive by the distortions.

Expectations of inflation, as measured by the difference between nominal and indexed 10 - year bond yields, remain at around 2.3 per cent.

A ten year old girl while being punched in the face by Vin Diesel could explain the difference between write and right.

Catholics attended religious services an average of 18 days per year more than mainline Protestants in 1972, but by the first few years of the 21st century, the difference had dropped to about six days per year.

Europe went through the Hundred Years War which was driven by religious differences and they never want to see religion in the public square again.

But in the meantime, Dan put his own frustration to work and created this handy «Year of Biblical Womanhood Genre Cheat Sheet» for those who may be confused by literary genres and do not know the difference between, say, satire and biblical exegesis.

Its results agree in most cases with scholarly works by Finegan and Fotheringham, with the occasional difference being just that it allows the Hebrew year to begin a half day or so earlier.

There are hopeful signs of an attempt to bridge the differences between the sects by means similar to those encouraged by the Society for the Reconciliation of Muslim Sects which was established a few years ago in Cairo.

Gay «No» campaigners Keith Mills and Paddy Manning pointed out that such was perfectly possible without undermining family structures completely since extensive Civil Partnership legislation was already in place, and they did make a difference, but the softening up of the electorate by years of sob - stories would have taken far more time and effort to overcome.

One frequently cited bar graph has been used to suggest, for the decade 1965 - 75, a severe diminution of seven mainline Protestant bodies by contrast both with their gains in the preceding ten years and with the continuing growth of selected conservative churches (see Jackson W. Carroll et al., Religion in America, 1950 to the Present [Harper & Row, 19791, p. 15) The gap in growth rates for 1965 - 75, as shown on that graph, is more than 29 percentage points (an average loss in the oldline denominations of 8.9 per cent against average gains among the conservatives of 20.5 per cent) This is indeed a substantial difference, but it does not approach the difference in growth rates recorded for the same religious groups in the 1930s, when the discrepancy amounted to 62 percentage points.

Edgar S. Brightman, who had himself been working for many years on the development of a nontraditional view of God, rejected Hartshorne's panentheism but praised other aspects of his view of God.35 Reinhold Niebuhr wrote a brief but very sympathetic review, 36 and John Bennett claimed that Hartshorne's was perhaps the best hypothesis about God available to contemporary theology.37 D. C. Macintosh found the book «exceptionally penetrating, stimulating, and instructive,» but by accusing Hartshorne of being too rationalistic he touched on what has been one of the major differences between Hartshorne and most other Whiteheadian theologians.38

My humble advise to you is to go and study the history that how, when and who wrote these chapters and what type of time it went through and then say that if there is any statement in this book is the real time statements of Jesus PBUH... please be honest with yourself... and don't do anything to please others but only you... and make sure you are convince with this study... whats the difference btwn what is in this book and what was written in a book last year when a Hindu claim himself as God and millions believed in him and still they believe even after his death by being ill... no one asks if I take a human as my God then how could he be ill or eventually be dead?

And as the years go by, each person in the group comes to understand the differences, to accept them, and to delight in them.

Tim i found it liberating to just do what the Lord wants you to do i work within his boundarys and yes i attend church and enjoy it.I love the people and i love hearing the word and worshipping the Lord even if others are still bound up with traditions thats not my walk thats theres.My focus is to do what the Lord wants me to do.There have been times i have said no to the pastor he does nt understand why i choose not to lead the worship.i query him as well regarding the idea that its not just performing a function because there is a need our hearts have to be in the right place so that the Lord can use us but he did nt understand where i was coming from and thats okay because of that i just said no until my heart is right i am better not being involved in leading.But i am happy to be an encouragement to others in the worship team i havent wanted to be the leader i have done that in the past.So my focus has been just the singing and being part of different worship teams i think the Lord has other plans as the groups i am in seem to be changing at the same time i am aware that i do nt to worry about change as the Lord knows whats best.I used to be quite comfortable leading the music but that was before when i was operating in my own self confidence and pride.The Lord did such a huge change in my life that i lost my self confidence and that is not a bad thing at all as my spiritual growth has been incredible.The big change was my identity moved from me and what i could do to knowing who i was in Christ and that he is my strength and confidence.Now i know that without him i can do nothing in fact i am dependent on his empowerment through his holy spirit all the time in everything.In the weekend i was asked to lead the music at another church i attend multiple churchs although i attend two regularly one has services in the morning and one has services in the evening so the two do nt really clash.In the weekend i was asked to lead the music its been two years since i did that and i was worried on how i would go.All i can say is that it went really well and because i stepped out in Faith the Lord really blessed the morning to the congregation.The difference is knowing that i serve the Lord with the gifts he has given me but my heart has to be right and when i do it in his way it builds up the body and it brings glory to him.May the Lord continue to show you what he wants you to do even though others may not understand your reasons i just want you to know that you do nt have to pull away completely just work within the boundarys that the Lord gives you and do nt feel pressured by others expectations to do anything that feel uncomfortable.Be involved just as you feel lead by the holy spirit even if it is in a very minor way take small steps.regards brentnz

Mr. Bond has, over his many years, done his bit to get rid of gender and religion, even as he has made his living by race, the difference that, one might suggest, should make the least difference.

However, attitudes about proper roles for men and women were further complicated for any theologian in the early years of Christianity by differences in Gentile and Jewish attitudes about the human body.