Sentences with phrase «rate adjusted for»

The Next Season The Research Affiliates model uses a building - block approach to estimate global asset class expected returns.2 For commercial property, we estimate expected real return beginning with the anticipated capitalization rate adjusted for our assumptions about reserve requirements and the expected constant - quality price change.

The added bonus is that you can calculate your effective interest rate — your nominal, or quoted, interest rate adjusted for the loan term and compounding interest — so you can really see how much your paying for that mortgage.

My quick research says that on average the annualized rate adjusted for inflation runs about 1.23 % and can easily be negative for low income people and those who die early.

And that 2:1 ratio of today's earnings yield versus a triple - B bond rate adjusted for taxes is such a compelling argument that people have a hard time with the rationality of it.

Most people would accept that the relevant interest rate here should be a real interest rate — some nominal interest rate adjusted for the ex-ante expected inflation rate of the person making the decision.

Moreover, the current model will allow readers to borrow books based on a pre-determined time period, with the pay rate adjusting for the length of time.

Annual Percentage Rate adjusts for Adjustable Rate Mortgage loans based on a 12 month current LIBOR index plus a margin

Not exact matches

To find the wealthiest people in the world, Wealth - X looked at its database of dossiers on more than 110,000 ultra-high net - worth people and used a proprietary valuation model that takes into account each person's assets, then adjusts estimated net worth to account for currency - exchange rates, local taxes, savings rates, investment performance, and other factors.

Cities issued permits for multi-family dwellings at a seasonally adjusted annual rate of 169,600 in June, the fastest since October 2016.

In addition to the results provided in accordance with US Generally Accepted Accounting Principles («GAAP») in this press release, the Company provides measures adjusted for Special Items, which include Adjusted Operating Profit, Adjusted Diluted Earnings Per Common Share, Adjusted Effective Tax Rate and Adjusted EBITDA, which we define as net income including noncontrolling interests adjusted for income tax, interest income, depreciation, amortization and other items, including store impairment adjusted for Special Items, which include Adjusted Operating Profit, Adjusted Diluted Earnings Per Common Share, Adjusted Effective Tax Rate and Adjusted EBITDA, which we define as net income including noncontrolling interests adjusted for income tax, interest income, depreciation, amortization and other items, including store impairment Adjusted Operating Profit, Adjusted Diluted Earnings Per Common Share, Adjusted Effective Tax Rate and Adjusted EBITDA, which we define as net income including noncontrolling interests adjusted for income tax, interest income, depreciation, amortization and other items, including store impairment Adjusted Diluted Earnings Per Common Share, Adjusted Effective Tax Rate and Adjusted EBITDA, which we define as net income including noncontrolling interests adjusted for income tax, interest income, depreciation, amortization and other items, including store impairment Adjusted Effective Tax Rate and Adjusted EBITDA, which we define as net income including noncontrolling interests adjusted for income tax, interest income, depreciation, amortization and other items, including store impairment Adjusted EBITDA, which we define as net income including noncontrolling interests adjusted for income tax, interest income, depreciation, amortization and other items, including store impairment adjusted for income tax, interest income, depreciation, amortization and other items, including store impairment charges.

After adjusting for factors like smoking, they found that the death rate was 26 percent higher in the most polluted cities than in the cleanest ones.

Telematics can offer up business intelligence: Insurance companies like Desjardins, for instance, are offering to adjust rates for consumers who install car - monitoring devices that will analyze their driving habits.

Adjusted shareholders» equity is shareholders» equity excluding net unrealized investment gains (losses), net of tax, included in shareholders» equity, net realized investment gains (losses), net of tax, for the period presented, the effect of a change in tax laws and tax rates at enactment (excluding the portion related to net unrealized investment gains (losses)-RRB-, preferred stock and discontinued operations.

«The only decrease in age - adjusted death rates among the 10 leading causes of death was for cancer,» wrote the CDC.

The company's adjusted effective tax rate for first - quarter 2018 was 16.2 percent, compared with 16.9 percent in 2017.

The same is true, the authors maintain, for quarter - over-quarter inflation, where adjusting for seasonality drops the rate from 5.6 % to 3.8 %.

Adjusting for population, rates of net international migration ranged from 0.55 per 1,000 Montana residents in 2015 to 6.14 per 1,000 Washington, DC residents.

And it turns out EPS expands at just half that rate, or around 1.5 %, adjusted for inflation.

Adjusted EPS for 1Q18 was affected by the same factors impacting Adjusted pretax income, as well as a lower number of shares and lower tax rate used to compute EPS as discussed above.

This discount (cash adjusted) becomes even more compelling given our confidence that Apple will grow earnings per share at a rate well in excess of the S&P 500 for the foreseeable future.

Scaling the damage rates relative to warhead weight can adjust for these differences.

If you adjust the projections to account for the rising employment rate of people like Levitt, the drop - off in retirees» spending as they age, and the value of fourth - pillar assets, Canadians may well be over-saving for retirement, Vettese adds.

Take a look at the top 10 highest - grossing R - rated movies of all time adjusted for inflation (to keep things on an even playing field):

The inflation - adjusted U.S. savings rate could soon go to zero, creating a long - term concern for the economy, a Yale economist said.

The study examined median incomes (adjusted for inflation) and unemployment rates for U.S. adults under the age of 65 with a bachelor's degree in 173 different majors.

Considering its strategic orientation of growing through acquisition, ACT has some latitude at the rating for periodically elevated leverage, but we believe that negative rating pressure would emerge if a transaction caused fully adjusted debt to EBITDA to exceed 3.5 x with risky prospects for a return to below 3.0 x. Moreover, the rating would be under pressure if increased competition caused weaker earnings, particularly from merchandise and services, keeping debt to EBITDA above 3x.

For a couple of decades, the industry rule of thumb has been that a 4 percent annual withdrawal rate, adjusted yearly for inflation, provides the best chance of not outliving your savinFor a couple of decades, the industry rule of thumb has been that a 4 percent annual withdrawal rate, adjusted yearly for inflation, provides the best chance of not outliving your savinfor inflation, provides the best chance of not outliving your savings.

The Federal Open Markets Committee said Wednesday that it will be «patient» in deciding when to adjust monetary policy, switching from its previous language that the group would maintain low rates for a «considerable time.»

The results showed that an initial 4 percent withdrawal rate, adjusted for inflation, could be sustained for 30 years with a 90 percent chance of not outliving your savings.

Operating income, income before taxes, net income, earnings per share, and the effective tax rate are all measures for which 3M provides the reported GAAP measure and an adjusted measure.

This tool uses the present value of bond portfolios, adjusted for interest rate and inflation expectations, to show current retirees how much in retirement savings they need today to account for every $ 1 they need in the future, assuming they hold a portfolio made up entirely of investment - grade bonds and longer - term Treasurys.

Looking at the past, Vanguard found that those who retired at market peaks with $ 100,000 (adjusted for inflation) in 1928 and 1972 would still have had money in their portfolio at age 100, assuming a 50 - 50 stock - to - bond mix and a 4 % withdrawal rate.

Adjusted for the similar tax effects, SBC expense and also for deferred tax asset valuation allowances provided on operations of our newly acquired Uber and Foodfox businesses, our effective tax rate for Q1 2018 was 23.5 %, compared with 23.8 % for Q1 2017.

While it is not directly related to replacement rates per se, the authors use pairs of cross sectional data from the GSS and from Statistics Canada's 1992 Family Expenditure Surveys and the 1998 Survey of Household Spending to illustrate that both real family income and real family consumption adjusted for household size tend to be hump - shaped with respect to age and peak in the 50s, while general satisfaction with life tends to stay relatively constant through different ages.

Unadjusted career average earnings will result in a smaller denominator than career average earnings that are adjusted to reflect wage growth, as in the C / QPP benefit rate calculation, and both are likely to be lower than a measure of best average earnings for people whose earnings are high relative to average earnings for limited periods of time.

The interest rate for the loan will be adjusted with each change in the Wells Fargo Prime Rrate for the loan will be adjusted with each change in the Wells Fargo Prime RateRate.

The upside: San Diego's seasonally adjusted unemployment rate was 3.1 percent in March, said Lynn Reaser, chief economist for...

It is straightforward to translate this increase in unemployment duration into an effect on the unemployment rate, based on their proportional relationship and adjusted for the share of job losers in overall unemployment, which was about 67 % in December 2009.

Figure 1 shows estimates of the inflation - adjusted natural rate for four major economies: the United States, Canada, the euro area, and the United Kingdom (Holston, Laubach, and Williams 2016).

Both agencies include in the baseline system provisions that allow tax rates to vary by income, that adjust for family size and composition in determining taxable income, and that allow for a separate tax on corporate income.

Lipper Leader ratings for Consistent Return reflect funds» historic returns, adjusted for volatility, relative to peers.

For those who prefer simpler methods, a third measure, which just takes out volatile food items and petrol, and adjusts for the recent change to the child care rebate, shows essentially the same trend over the past couple of years, though at a slightly lower rate (Graph 1For those who prefer simpler methods, a third measure, which just takes out volatile food items and petrol, and adjusts for the recent change to the child care rebate, shows essentially the same trend over the past couple of years, though at a slightly lower rate (Graph 1for the recent change to the child care rebate, shows essentially the same trend over the past couple of years, though at a slightly lower rate (Graph 15).

Loans under the new credit facility bear interest, at our option, at (i) a base rate based on the highest of the prime rate, the federal funds rate plus 0.50 % and an adjusted LIBOR rate for a one - month interest period in each case plus a margin ranging from 0.00 % to 1.00 %, or (ii) an adjusted LIBOR rate plus a margin ranging from 1.00 % to 2.00 %.

Another factor potentially muting the response of consumption to interest rate changes relates to banks» processes for adjusting scheduled mortgage repayments following changes in lending rates.

§ The Bloomberg Barclays Capital U.S. TIPS (Treasury Inflation Protected Securities) Index measures the performance of fixed income securities with fixed - rate coupon payments that adjust for inflation, as measured by the Consumer Price Index for All Urban Consumers.

Loans under the new credit facility bear interest, at the Company's option, at (i) a base rate based on the highest of the prime rate, the federal funds rate plus 0.50 % and an adjusted LIBOR rate for a one - month interest period in each case plus a margin ranging from 0.00 % to 1.00 %, or (ii) an adjusted LIBOR rate plus a margin ranging from 1.00 % to 2.00 %.

Forward - looking statements may include, among others, statements concerning our projected adjusted income (loss) from operations outlook for 2018, on both a consolidated and segment basis; projected total revenue growth and global medical customer growth, each over year end 2017; projected growth beyond 2018; projected medical care and operating expense ratios and medical cost trends; our projected consolidated adjusted tax rate; future financial or operating performance, including our ability to deliver personalized and innovative solutions for our customers and clients; future growth, business strategy, strategic or operational initiatives; economic, regulatory or competitive environments, particularly with respect to the pace and extent of change in these areas; financing or capital deployment plans and amounts available for future deployment; our prospects for growth in the coming years; the proposed merger (the «Merger») with Express Scripts Holding Company («Express Scripts») and other statements regarding Cigna's future beliefs, expectations, plans, intentions, financial condition or performance.

Borrowings under the credit facility bear interest, at our option, at (i) a base rate based on the highest of the prime rate, the federal funds rate plus 0.50 %, and an adjusted LIBOR rate for a one - month interest period plus 1.00 %, in each case plus a margin ranging from 0.00 % to 0.75 %; or (ii) an adjusted LIBOR rate plus a margin ranging from 1.00 % to 1.75 %.

Loans under the credit facility bear interest, at the Company's option, at (i) a base rate based on the highest of the prime rate, the federal funds rate plus 0.50 % and an adjusted LIBOR rate for a one - month interest period plus 1.00 %, in each case plus a margin ranging from 0.00 % to 0.75 % or (ii) an adjusted LIBOR rate plus a margin ranging from 1.00 % to 1.75 %.

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.