Sentences with phrase «hypothetical rates for»

Figure out whether you're in a high - or low - cost state for car insurance, and check your state's insurance department website for hypothetical rates for customers with similar circumstances.

Here are hypothetical rates for $ 5,000 monthly benefit policy for a software engineer in New York at ages 30, 40, and 50, showing how disability insurance rates can vary by age and carrier.

Not exact matches

If that hypothetical student borrowed using a federal direct loan for graduate school, which had a rate of 5.84 percent last academic year, she would have accrued $ 1,682 in interest during the grace period.

I did the math, and to be comparing apples with apples I took my hypothetical income after California taxes (I am paying higher rent for at least a part of my tax benefit after all) and I get to a post - tax / personal savings rate (excl.

footnote † † † This hypothetical example assumes a 6 % rate of return, a 4 % inflation rate, that expense ratios are cut from 0.80 % to 0.30 %, that withdrawals are adjusted for inflation, and that the entire portfolio is liquidated over 35 years.

For those age 50 or older, one $ 6,500 yearly contribution could grow to more than $ 69,000 in 35 years.5 We used a hypothetical 7 % long - term compounded annual rate of return and assumed the money stays invested the entire time.

This hypothetical illustration assumes the investor met the holding requirement for long - term capital gains tax rates (longer than one year), the gains were taxed at the current maximum federal rate of 23.8 %, and the loss was not disallowed for tax purposes due to a wash sale, related party sale, or other reason.

The quoted interest rate was actually higher for the conforming loan, but this was due to the fact that the lender assumed that our hypothetical borrower would agree to preauthorize monthly payment transfers.

The return assumptions are based on hypothetical rates of return of securities indices, which serve as proxies for the asset classes.

In Figure 1, we break down an estimate of the peak annual sales revenues for a hypothetical biotech drug in a competitive market with a potential market size of 1 million patients, an estimated sales price of $ 20,000 per year and a royalty rate of 10 %.

Poloz's main argument for leaving interest rates low is that the obvious damage from an extended period of weak economic growth outweighs the hypothetical risk of a housing bust.

While studies find the president's job approval ratings on a downward curve, a just - released poll by the Marist College Institute for Public Opinion finds that Obama would decisively defeat Palin in a hypothetical race between the two and independent New York City mayor Michael Bloomberg.

A new study reports that, when faculty members rated hypothetical candidates for a tenure - track faculty position, a highly qualified woman is twice as likely to be hired as an equally qualified man.

The researchers found in a multivariate statistical analysis that those who rated intimacy highly as a reason why they sometimes engage in condomless sex also were 55 percent more likely to say they would adopt PrEP if it were available for free (likely a hypothetical condition for many, but not necessarily all, recipients).

Over the years I have found that it's helpful for people to study some tables of numbers that show hypothetical investment returns and withdrawal rates.

This hypothetical example assumes the following: a starting annual gross salary of $ 60,000 with a salary increase of 4 % (2.5 % inflation + 1.5 % real salary growth rate) each year; pre-tax contributions of 15 % of salary annually (that 15 % includes any contribution you may get from your employer) at the end of the year for 42 and 32 years, respectively; and an annual rate of return of 5.5 %.

Plugging in some hypothetical numbers into the tool (50 yr old; $ 600K inside an individual IRA; Modest expected annual rate of return = 4 %) provides RMD for his / her age 70.5.

As with all hypotheticals, this example does not represent the performance of any specific investment and the earnings would be subject to taxation upon withdrawal at then - current rates and subject to penalties for early withdrawal.

To get some insight, I ran some hypothetical scenarios to see how things might shake down if rates all along the yield curve climbed 100 basis points (1 %) annually for the next three years.

This means that, for a share class that doesn't have a 1, 3 -, 5, or 10 - year performance history, the rating shown is a hypothetical Morningstar Rating based first on the oldest active surviving share class of the fund and then any dormant or liquidated share clrating shown is a hypothetical Morningstar Rating based first on the oldest active surviving share class of the fund and then any dormant or liquidated share clRating based first on the oldest active surviving share class of the fund and then any dormant or liquidated share classes.

You may keep asking your lenders for mortgage rates but note that those rates are hypothetical.

Assuming a hypothetical annual rate of return of 3 %, an investment of $ 5,000 each year and adjusting for inflation and annual compounding, the 22 year old will reap $ 458,599, whereas the 35 year old who waited 13 years will end up with $ 257,514, approximately $ 200,000 less.1 As you can see, with investment planning, the cost of waiting can be expensive over the long run.

Comparisons of hypothetical taxpayers generally indicate a significantly higher after - tax rate of return for any form of gold held in a traditional IRA than in a brokerage account and slightly higher than in a Roth IRA.

We also checked rates for our hypothetical home buyer in several of the biggest cities, including Miami and Tampa.

If our two hypothetical consumers have identical credit reports except for their utilization rates, Consumer B has a higher credit score.

The second line of the tables provides information about hypothetical account values and hypothetical expenses based on each Fund's actual expense ratio and an assumed rate of return of 5 % per year before expenses, which are not the Funds» actual returns for the period presented.

The hypothetical 6 % rate of return is equivalent to a 5.74 % net annual rate of return for the low - cost tax - deferred variable annuity, and a 4.66 % net annual rate of return for the national industry average tax - deferred variable annuity.

The assumed rate of return in the hypothetical example has been provided solely for illustrative purposes and is not guaranteed.

This means that, for a share class that doesn't have a 1 -, 3 -, 5 -, or 10 - year performance history, the rating shown is a hypothetical Morningstar Rating based first on the oldest active surviving share class of the fund and then any dormant or liquidated share clrating shown is a hypothetical Morningstar Rating based first on the oldest active surviving share class of the fund and then any dormant or liquidated share clRating based first on the oldest active surviving share class of the fund and then any dormant or liquidated share classes.

For example, you have $ 1,000 in a hypothetical bank account and the interest rate is 5 %.

This hypothetical example assumes the following (1) $ 5,500 annual IRA contributions on January 1 of each year for the age ranges shown, (2) an annual rate of return of 7 % and (3) no taxes on any earnings within the IRA.

Given the slow rate of temperature changes for large bodies of water and the tiny hypothetical effect of a cooler sun, I doubt that rates of ocean acidification would be affected much, but there would be some effect.

Since it is impossible to know which elements, if any, of these models are correct, we used an average of all 13 scenarios to approximate growth rates for the various energy types as a means to estimate trends to 2040 indicative of hypothetical 2oC pathways.

Justice Phelan noted that the United States Court of Appeal for the Federal Circuit had «destroyed this 25 % rule» when it had stated «This court now holds as a matter of Federal Circuit law that the 25 percent rule of thumb is a fundamentally flawed tool for determining a baseline royalty rate in a hypothetical negotiation.»

While the rate at which the hypothetical new charter was arranged on repudiation of the original one was for good reasons taken to be fixed at the time when the injured party could go into the market to negotiate a replacement, the same considerations did not apply to determination of the duration.

Bankrate's survey found that while one insurer's rates for a 30 - year - old woman varied by nearly 20 percent between neighboring ZIP codes in New York, another insurer's quotes for the same hypothetical customer differed by less than 1 percent at the two addresses.

For example, a hypothetical 40 - year - old married male driver with a clean driving record is quoted at rates ranging from $ 1,045 to $ 3,048 for Stockdale, Texas, 781For example, a hypothetical 40 - year - old married male driver with a clean driving record is quoted at rates ranging from $ 1,045 to $ 3,048 for Stockdale, Texas, 781for Stockdale, Texas, 78160.

Assuming a hypothetical annual rate of return of 3 %, an investment of $ 5,000 each year and adjusting for inflation and annual compounding, the 22 year old will reap $ 458,599, whereas the 35 year old who waited 13 years will end up with $ 257,514, approximately $ 200,000 less.1 As you can see, with investment planning, the cost of waiting can be expensive over the long run.

Our analysis showed that while the average annual cost was around $ 1,338 for our driver's hypothetical circumstances, rates could range by as much as 43 % between the most expensive place (East Point, GA) and the most affordable (Valdosta, GA).

Participants also rated their endorsement of communal and agentic goals and strategies for managing hypothetical conflicts presented in the «Peer Conflict Management Questionnaire.»

The federation says the for - sale - by - owner company's ad campaigns during the past 18 months have been misleading «both in terms of their rates and the hypothetical savings that are promised to consumers».

The tax estimates were evaluated for a hypothetical family of three and for the average tax rate at household incomes of $ 25,000, $ 50,000, $ 75,000, $ 100,000 and $ 150,000.

If the prevailing cap rates for a particular asset class show a hypothetical range between 6.5 per cent and 8.5 per cent, more thorough analysis will be required to determine what rate should be applied to the subject property.

For the last of our hypothetical scenarios, we'll evaluate 5/1 adjustable rate mortgages.