Sentences with phrase «example rate changes»

Not exact matches

For example, varying assessments of risks involved will change the capitalization and discount rates.

Here's an example of how this works: if the Federal Reserve changes the federal funds rate from 0.75 % to 1.0 %, the banks may change their prime rate from 3.75 % to 4.0 %.

If you have a 3/1 ARM, for example, you'll need to understand that your interest rate will change once a year for the last 27 years of your loan term.

It is important to note that lenders aren't allowed to increase the origination fee reported in the Loan Estimate except in special circumstances — for example, if the borrower changes their loan type from an adjustable - rate to a fixed rate, or decreases their down payment.

For example, you may have been working at improving your credit score and now qualify for a new mortgage with a better discount, or you may want to stabilize your payments by changing from a variable rate mortgage to a fixed - rate.

This example is relevant to any price change, including currencies, interest rates, wages, etc..

For example, the year - over-year increases in corporate income taxes and GST revenues are well above the growth rates in their respective tax bases, which could be attributable to changes in the accrual adjustment ratios.

For example, people with lower incomes are likely to be sensitive to interest rate changes because of the potential effects on their employment income and their debt - service costs.

I have used a fall in exports to show how constrained Beijing's policy choices are, but I could just have easily done the same using as an example any change in the currency regime, the reform of the hukou system, the de-industrialization of the bankrupt northeast provinces, the development of the OBOR and Silk Road projects, changes in interest rates or minimum reserves, protecting the stock market from crashing, the provincial bond swaps, changes in the tax regime, improving energy and environmental policies, and so on.

«The information [the lender gives you] must include... the index and margin, how your rate will be calculated, how often your rate can change, limits on changes (or caps), an example of how high your monthly payment might go, and other ARM features...»

Then there were structural changes in the economy, for example the sinking saving ratios that have had an effect on consumption and growth rates.

The Federal Reserve adjourns from its FOMC meetings on every sixth Wednesday, for example, and when the Fed meets, mortgage rates can change in a hurry.

I'm always dismayed, for example, by how confidently analyts and economists talk about the relationship between monetary policy and economic outcomes, when the fact is that the level of interest rates, changes in interest rates, and changes in the monetary base provide very little additional forecasting power for GDP, over and above forecasts based on lagged changes in GDP itself.

For example, if your property taxes and insurance add up to $ 5,000 a year, you'll need to add approximately $ 417 to your mortgage payment, though these costs may fluctuate from year - to - year, particularly as tax rates change.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

If, for example, the initial exercise work rate is excessively high, it will produce physiological changes that result in the conscious RPE being greater than that which the central controller considers optimal for a particular stage during an exercise trial.

Consider for example, if something has happened 1/100 times, if you undercount by 15 good examples, the rate changes from.01 to only 0.0087.

For example, the change to the discount rate earlier this year when it dropped to its lowest in history, immediately doubled the cost of some claims.

Researchers can measure annual changes in how the melt rate occurs, for example, or the effects of a single pulse of warm deep - ocean water.

For example, he says, although the new study found no overall change in the rate of melting at Totten Glacier over the last couple of decades, the large variability in melting rate within those decades warrants a much closer look at the region's complex topography, among other factors, in order to anticipate how the system could actually change in the future.

Now comes a first rate example of how CRISPR is changing the pace of biomedical research by linking up with another cutting edge technology — human pluripotent stem cells (hPSCs).

While the effects of human activity on the seal population can be detrimental — for example through a high rate of fishing bycatch mortality as observed on Lake Saimaa — a novel conservation method can help the seal population to cope with climate change.

«As remarkable as it is that climate can change that quickly naturally, what is even more remarkable is that some of the rates of change we're experiencing today — increases in atmospheric carbon dioxide for example — are faster than anything we've been able to find in the past several million years of geologic history.

For example, if a child set a goal to complete 30 minutes of physical activity and met that goal, then the child would see a real time change in the pet's physical appearance and response rate and be able to teach the pet to sit or roll over.

«At the current rate of change, there is not much more room for the waters off the Oregon coast, for example, to absorb more CO2 without crossing the threshold,» Waldbusser says.

The immediate effects can be subtle — changes to an animals» heart rate, physiology, stress hormone levels and social behaviour, for example — ...

Whereas place cells in a rat brain may change their firing rates if their environment is altered even a little — for example by changing the colour of the walls — those of grid cells remain robustly unchanged.

For example, changes in Earth's atmospheric composition (especially the concentrations of greenhouse gases) may alter the climate, while climate change itself can change the atmospheric composition (for example by changing the rate at which weathering removes CO2).

Figure 3: MIS 5e as an example for establishing trends and rate of change for the interglacial period segments.

For example, you'll receive a better exchange rate if you change large values of money.

«For example,» Wallace told Education World, «without impinging on anybody's free speech, one could simply require Web addresses to include a content code, embedded in the URL If the content rating was «Violence,» «Nudity,» «Adult theme» the URL would change from today's http://www.sleazy.com to http://www.sleazy.com/VNA."

Typing f (x) = 50sin (x) will produce an example that clearly does not change at a constant rate.

Even where changes have occurred over time (for example, in the relative performances of males and females, or in Indigenous participation rates), it is not clear that group - based educational solutions rather than broader societal changes have been the cause.

Students look at examples of graphs and are guided through calculating and estimating the rate of change of a function.

Included in the PowerPoint: Macroeconomic Objectives (AS Level) a) Aggregate Demand (AD) and Aggregate Supply (AS) analysis - the shape and determinants of AD and AS curves; AD = C+I+G + (X-M)- the distinction between a movement along and a shift in AD and AS - the interaction of AD and AS and the determination of the level of output, prices and employment b) Inflation - the definition of inflation; degrees of inflation and the measurement of inflation; deflation and disinflation - the distinction between money values and real data - the cause of inflation (cost - push and demand - pull inflation)- the consequences of inflation c) Balance of payments - the components of the balance of payments accounts (using the IMF / OECD definition): current account; capital and financial account; balancing item - meaning of balance of payments equilibrium and disequilibrium - causes of balance of payments disequilibrium in each component of the accounts - consequences of balance of payments disequilibrium on domestic and external economy d) Exchange rates - definitions and measurement of exchange rates - nominal, real, trade - weighted exchange rates - the determination of exchange rates - floating, fixed, managed float - the factors underlying changes in exchange rates - the effects of changing exchange rates on the domestic and external economy using AD, Marshall - Lerner and J curve analysis - depreciation / appreciation - devaluation / revaluation e) The Terms of Trade - the measurement of the terms of trade - causes of the changes in the terms of trade - the impact of changes in the terms of trade f) Principles of Absolute and comparative advantage - the distinction between absolute and comparative advantage - free trade area, customs union, monetary union, full economic union - trade creation and trade diversion - the benefits of free trade, including the trading possibility curve g) Protectionism - the meaning of protectionism in the context of international trade - different methods of protection and their impact, for example, tariffs, import duties and quotas, export subsidies, embargoes, voluntary export restraints (VERs) and excessive administrative burdens («red tape»)- the arguments in favor of protectionism This PowerPoint is best used when using worksheets and activities to help reinforce the ideas talked about.

This calculus packet includes detailed examples, plus a 6 question practice test containing related rates of change questions.

Most of the examples in this article have featured data tables for analyzing functions, but of course, graphs are another effective means of representing input - output situations, including changes over time (whether the rate of change is constant or varying).

The new maths GCSE places greater emphasis on mathematical reasoning, and includes new content to improve progression to the A level - on, for example, rates of change and quadratic functions.

This would mean a change of 84 percentage points in the population that is African American, for example, which is larger than the average difference between the most in - boundary neighborhoods with the highest boundary participation rates and others.

For example, the ratings may change if a different test is used.

I say «might be» because, in modelling this situation, one can not get away from the dependence on multiple factors, such as the 5 listed above So if (for example) the natural rates of deceleration after downshifting and in neutral are the same, that doesn't mean it would take the same force of stepping on the brakes in both cases to further change the deceleration by the required amount.

For example, when the GT - R begins moving from a standstill at a slow rate of acceleration, the gearshift change to second from first gear is now much smoother than before.

However, the sixth year of our example sees a rate change that requires new calculation.

For example, if your 3/1 ARM has a 3 percent margin and the interest rate index is 5.4 percent when the interest rate is scheduled to change, the new rate would be 8.4 percent.

For example, maturity helps gauge how much the price of a bond (or bond ETF) will go up or down when interest rates change.

For example, if you start with a 50:50 equity: debt allocation, and if you leave your portfolio untouched for a year, it is possible that by the end of the year, the allocation could have changed to 60:40 based on the rate of appreciation of the funds.

Instead, it changes over time according to a formula - typically, a base interest rate (index) plus a certain percent (margin)(for example, Libor plus 3 percent).

We used a 15 - year bond in the above example, and long - term bonds like this are more sensitive to changes in interest rates.

For example, a manager must approve any manual entries, and changes to pay rates, employee types, or a manager or human resources must document schedules in writing.

For example, a 5/1 FHA ARM will give you a lower initial interest rate that's fixed for five years, then changes annually after that.