Sentences with phrase «essentially use any rate»

Not exact matches

Almost all of the processes that used to require a mail response are completely online now, and the USPS today is essentially one big junk mail courier for companies wanting to advertise at a 1.4 percent conversion rate on average.

Some investment analysts have more rating categories and use different names, but they are essentially giving you this information.

Then the housing crash happened and the Fed cut interest rates to actual zero, keep them there for 7 years and does something like 3 trillion dollars in quantitative easing, which is basically printing money and then using that new money to buy assets from the banks which is the kind of backdoor bailout essentially the Fed doing a kind of cash for trash for the Wall Street banks.

It's essentially renting out your money for either people to use, and the rent you charge is known as the interest rate.

All sorts of hilarious errors — using one type of data (ICD10 code data from «white healthy women» and essentially comparing the best possible data from one set of hospital data related to low - risk births to the worst possible single set of data related to high - risk at - home births)-- if you use the writer's same data source for hospital births but include all comers in 2007 - 2010 (not just low - risk healthy white women), the infant death rate is actually 6.14 per 1000, which is «300 % higher death rate than at - home births!»

Democrats want to use $ 35 million in bond premiums — essentially money generated by borrowing more than needed at higher interest rates — and cutting police overtime by reopening two closed police precincts and reducing the use of outside counsel.

MYCN and its kin are «transcription factors,» proteins that bind to DNA and influence the rate at which genetic information is used by the cell — essentially serving as brightener / dimmer switches for gene activity.

Add this poor absorption rate to the use of synthetic ingredients, toxic binders, and excipients in most of the tableted supplements and what results is essentially expensive urine.

The energy you burn completing these life - sustaining functions is referred to as your basal metabolic rate (BMR)-- essentially it is the amount of energy you use to maintain your body weight if you didn't move all day.

You've got patients reading all kinds of bias information on the internet & essentially risking their own lives, when they have qualified doctors who could be helping these patients test the treatments more safely & then use any beneficial treatments to help other patients, but it seems most doctors are more afraid of risking their own careers than actually helping patients, so they just prescribe the «Standard of Care» treatments, which we all know has a very low survival rate.

There's no magic sauce of pension plans, but the NPPC report tries to bury that fact by using wildly different contribution rates, and then assuming a much lower rate of return in defined contribution plans, despite recent data suggesting essentially no difference across different types of plans.

The requirements are essentially the same for high schools, except that states must use graduation rates as their third academic indicator, rather than choosing their own.

You may recall that the Bolt, which uses the exact same powertrain and is essentially the same car, is EPA rated at 238 miles.

In Syracuse, the observed rate of headset use was essentially unchanged, while observed headset use decreased in the comparison community.

Employing a pair of hydraulic swivel motors (incorporated into each axle assembly), the DCC uses fluid pressure to essentially turn the Cayenne's sway bars into a pair of variable - rate longitudinal dampers.

Essentially, Bengen tested a variety of withdrawal rates on several different allocations of stocks and bonds using inflation data and investment returns going back to 1926.

Using margin excessively is essentially the same thing (albeit likely at a lower interest rate).

The death benefit is essentially a «target» using an assumption of cash value performance, such as a 4 % annual rate of return.

The Roofstock Neighborhood Rating uses a novel hierarchical machine learning framework, essentially developing a constant quality standard of living normalization that addresses both of these issues.

It essentially is a mechanism to determine your risk of default, and therefore, this system can also be used to set the terms that will set a rate you will pay for a car, house, or bank loan.

Another thing to be aware of that's essentially unique to renters insurance companies in Texas is called «file and use» rates.

Essentially, if you use your card for a health care expense that's not covered, you're going to be stuck paying the interest rate until it's paid off.

These points function similarly to cash - back rewards, in that they are used to essentially receive a reduced rate on Allegiant travel bookings.

The APR, or annual percentage rate, is the rate at which interest is charged on the credit you use — it is essentially the cost of borrowing money from the card issuer.

Some investment analysts have more rating categories and use different names, but they are essentially giving you this information.

However, it might still make sense to do cash prepayments if you normally use CPF to service your loan, since you're essentially sacrificing a 2.5 % CPF interest rate to service a loan with a lower interest rate.

I don't know about that... If I were in the 20 % tax bracket, using an RRSP would still reduce my taxable income and thereby provide a 20 % return in tax credits... Assuming that when I'm retired, my earned income would go to zero and I can withdraw my RSP money at a rate which is below my basic exemption and thereby get it essentially tax - free... So, in effect, that would be like getting an immediate 20 % investment return on that cash up front, plus whatever the future investment gain might be.

This alternative would essentially make the Freedom cards (both regular and Unlimited) pure cash back cards since the points earned could not be combined with those on annual fee cards and transferred to partners or used to book travel at preferential rates.

Arrival Miles can be used for statement credits at a rate of 1.0 cents / Arrival mile so, essentially, this card earns a 2 % rebate on all purchases.

The reason why Marriott Flight and Hotel packages are often cited as a great use of Marriott Rewards points is because, essentially, they allow you to purchase airline miles at a ratio of 1 Marriott Rewards point to 1 airline mile / point... and that's a very good exchange rate.

Category 2 - 6 hotels are a particularly good deal when booking Points + Cash awards because you're essentially buying the other half of the points at a discounted rate using the cash co-pay.

Your utilization rate is essentially the ratio of your total credit card balances — what you use — and your total available credit — what you have.

Here you're essentially using 20,000 points and $ 396.47 to purchase a room costing, at best, $ 502.20 so you're getting 0.53 cents of value out of every point that you bought for 0.4 cents — and the points & cash rate is refundable.

To put it another way, if you use a credit card, you're essentially paying 1.89 cents each for those Delta miles — just about half what the airline would charge you for them if you were just to buy them directly at the usual rate of 3.5 cents each plus fees.

Auto Low - Latency Mode is now triggered automatically on certain TVs — this essentially automatically shifts the TV to «game mode» — while computer displays using FreeSync and FreeSync 2 enable variable refresh rate support.

The Witcher uses its mature rating to the fullest by giving you a hand drawn image of every woman Geralt sleeps with, usually at least half naked, which made me laugh because it seems like they're essentially high fantasy versions of the risqué cell phone pictures you don't want your friends to mistakenly stumble upon while they're swiping through the pictures of your new puppy.

Christy and McNider found the rate of warming has been 0.096 degrees Celsius per decade after «the removal of volcanic cooling in the early part of the record,» which «is essentially the same value we determined in 1994... using only 15 years of data.»

Using the 7 percent discount rate as recommended by the OMB results in an estimated SCC averaging to essentially zero dollars.

There they present a derivation that must be essentially the same as that used in textbooks to derive the moist adiabatic lapse rate (I haven't worked out the details).

Uranium enough to last more than 500 years, and thorium for about a millennium — and these last two used in breeder reactors could provide energy essentially forever at current rates of use.

The company is essentially using smart grid technologies and a proprietary «swarm algorithm» to make sure that energy use stays at a steady, and cheap, rate when things like air conditioners and heaters need to kick on.

Thus, the Court used the «reliability» factor which is at the heart of the gatekeeping process, but its decision was based essentially on the lack of reliability of the factual foundation of the testimony, rather than the Daubert factors such as testability, publication, error rate or general acceptance.

For decades, firms used essentially the same model: charging increasingly higher rates for relatively routine work done by junior associates, whose entry - level salaries in major markets have now been bid up to $ 160,000 (plus bonus, of course), a sum reported by the big law schools.

The death benefit is essentially a «target» using an assumption of cash value performance, such as a 4 % annual rate of return.

As shown in Figure 4.3, planners also can use the equal outlay method to compare two or more fixed - premium policies, or to compare a term policy to a whole life policy, in the following manner: Hypothetically, «invest» the differences in net annual outlay in a side fund at some reasonable after - tax rate of return that essentially keeps the two alternatives equal in annual outlay.

Essentially, the firm created its own rating system similar to that which the ratings agencies use to valuate company credit.