Sentences with phrase «periods in a typical year»

Not exact matches

We assess the value of dividends in various interest rate environments over an 88 - year period and discuss how to avoid typical «yield traps» in the design of high - dividend strategies.

It found that in the 17 - year period to December 2000, the S&P 500 returned an average of 16.29 % per year, while the typical equity investor achieved only 5.32 % for the same period — a startling 9 % difference!

Our typical holding period for an individual stock falls in the range of 3 - 5 years, which implies annual turnover rates of 20 - 33 %.

The lower interest rates and fees that credit counseling agencies can negotiate, along with the typical three - to five - year repayment period, often results in more money going toward paying down your debt and less money going toward interest payments.

They may have minor anxiety or low social skills but sometimes the exposure to new technology in which they're flooded with sexual images or sexual text stories, or the opportunity to be sexual in ways that they never could have imagined, sometimes the opportunity by itself can be addictive like we saw with crack cocaine many years ago, so people got addicted to crack cocaine who did not have a typical profile, just the exposure to the drug was enough to flood the brain and get people hooked in a very short period of time.

The hazard is expressed in terms of the probability of exceeding a certain level of shaking in 50 years — not only because the hazard in places like California is not expected to change much over that time period, but also because 50 years — the typical life span of a building — is a useful period of time for engineers.

The flints were typical of the Clovis period, a short archaeological period in North America lasting from 13,000 to 12,500 years ago.

In a typical urban area with a high level of background air pollution — for example, around 15 micrograms of fine particulate matter (PM2.5) per cubic metre, or a nitrogen dioxide concentration around 33 micrograms per cubic metre — an extra 300 trees per square kilometre was associated with around 50 fewer emergency asthma cases per 100,000 residents over the 15 year study period.

In a typical year during the 1990 - 91 to 1998 - 99 period, there were about 3,300 schools in Texas that enrolled 3rd graders; the size of the median cohort was about 80 studentIn a typical year during the 1990 - 91 to 1998 - 99 period, there were about 3,300 schools in Texas that enrolled 3rd graders; the size of the median cohort was about 80 studentin Texas that enrolled 3rd graders; the size of the median cohort was about 80 students.

These gains, which roughly equate to between one - third and one - half a year of typical instruction, are especially noteworthy given that they can only reflect the efforts of schools made between an inspection in the period from September to November and the tests administered in May, a maximum of eight months.

Don't expect to owe $ 10,000 in 54 months, after four years of school and the typical six - month grace period.

footnote ** Research from Vanguard and other retirement income experts has found that, by limiting spending to 4 % of a portfolio each year, retirees have a higher probability of maintaining a stable income stream — one that can be sustained over the typical retirement period of 20 — 30 years, even in a low - interest - rate environment.

To calculate the APY or EAR (the more typical term on credit cards), add 1 (which represents the principal) and take that number to the power of the number of compounding periods in a year; subtract 1 from the result to get the percentage -LCB-(1 + periodic rate) ^ #of periods -RCB-- 1.

John Bogle and other lumpers warn us that it's unlikely that a typical investor will stick with a strategy that doesn't work as expected for 10 years or longer, and that abandoning the bets on small - cap or value stocks after an extended period of underperformance will reduce the investor's long - term returns relative to simply investing in the total stock market.

In a typical proposal, you make one monthly payment over a period of no more than 5 years, and these funds are distributed amongst your creditors.

5This informational repayment example uses typical loan terms for a parent borrower who selects the Full Principal & Interest Repayment Option with a 10 - year repayment term, has a $ 10,000 loan that is disbursed in one disbursement and a 6.83 % fixed Annual Percentage Rate («APR»): 120 monthly payments of $ 114.82 while in the repayment period, for a total amount of payments of $ 13,778.89.

Is it any wonder that Dalbar's research over a 20 - year period showed why the typical investor only earned 2.3 % in a period when stocks earned 8.2 %?

Moreover the reports show that in a typical period of a year or more, indices outperform two out of three actively managed funds.

With your financial calculator, plug in $ 10,000 for payment, 20 years for period, and use 5 % (4.5 % to 6.5 % are typical discount rates) as the interest rate, and then press PV for present value.

3This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8 - year repayment term, has a $ 10,000 loan that is disbursed in one disbursement and a 6.5 % variable Annual Percentage Rate («APR»): 54 monthly payments of $ 25 while in school, followed by 96 monthly payments of $ 154.95 while in the repayment period, for a total amount of payments of $ 16,224.78.

The rolling returns comparison is useful in determining the relative performance of a fund over typical holding periods that are not necessarily aligned with calendar years.

A typical concentrated portfolio might have 20 stocks, and a typical holding period of 3 - 5 years, so in any year, only 5 stocks provide data points.

The typical strategy in this case is to lengthen the amortization period, for instance to break a 25 - year mortgage and get a 35 - year one.

Consider the holding period for mutual funds and index funds to be indefinite, and then consider three types of stock investor: (i) AAII Model Portfolio, currently with 27 stocks; (ii) A typical investor as cited in the related Steven Sears article holding 27 stocks for an average 3.27 - year holding period (turnover ratio 30.58 %); and (iii) An investor who holds 27 stocks for the five - year average typical of a market cycle (20 % turnover ratio).

Under a typical payment plan, borrowers either make equal monthly payments to retire their debt over a set period of time, typically 10 years, or they follow an escalating payment schedule in which the amount they owe gradually increases at a set rate over time.

This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with an 8 - year repayment term, has a $ 10,000 loan that is disbursed in one disbursement and a 7 % variable Annual Percentage Rate («APR»): 96 monthly payments of $ 179.28 while in the repayment period, for a total amount of payments of $ 17,211.20.

In the one year period leading up to a rate hike cycle, the S&P 500 has done significantly better than the typical 12 - month rolling period, with an average return of 18.11 % versus 11.6 %.

«Such episodes are fairly typical for dogs with laryngeal paralysis, particularly in the warmer / hotter period of the year.»

The typical incubation period is three to eight weeks, but it can be as little as nine days or as long as several years in some rare cases.

He appears more interested in reporting combined trend lines for a period of 50 years than breaking down the results for individual sites or at least providing typical examples.

Right now, we are in the Holocene Age — a period of recently above average temperatures — a typical interglacial period of 15 - 25,000 years, which have occurred around a dozen times in the past 2.6 million years of the Pleistocene Age.,

If we assume that fossil fuel emissions increase by 3 % per year, typical of the past decade and of the entire period since 1950, cumulative fossil fuel emissions will reach 10000 Gt C in 118 years.

Coal additions in 2010 were larger than has been typical during the 2005 - 2009 period; while for natural gas, there was no great departure from activity over the prior five years.

A very short hand version of a typical visitation order (assuming both spouses reside within 100 miles) is as follows: the 1st, 3rd, and 5th Friday of every month from Friday (beginning at either school dismissal or 6:00 p.m.) until the following Sunday at 6:00 p.m., every Thursday beginning at either school dismissal or 6:00 p.m. and ending either at 8:00 p.m. that night or when school resumes the following morning), as well as 30 days in the Summer, and additional visitation periods for Spring Break, Thanksgiving, and Christmas, depending on whether it an odd or even numbered year.

This allows many self - banking policies cash value to be accessed in just a short period of time, compared with many years on a typical whole life policy where the main perk is the death benefit.

Typical CEU options *; a max of 14 hrs per two year period may be recognized for: teaching courses or supervision; a max of 15 hrs per two year period may be recognized for clinical readings, internet or distance learning courses directly related to practice as a mental health therapist; a max of two hours per two year period may be for continuing education from the Division of Occupational and Professional Licensing; Specifics found in R156 - 60b - 304.»

According to the National Association of REALTORS ® and its 2015 Home Buyer and Seller Generational Trends Report, the typical under - 40 home buyer expects to live in their home for a period of 10 years.

NAR also reported that in November the typical time on the market increased to 65 days, compared to 63 days in October, 56 days in September, 53 days in August and 56 days during the same period a year ago.