The number of percentage points (for example, 2.75) the lender adds to the index rate to calculate the ARM interest
rate at each adjustment.
The percentage amount added to the Index value to establish the new interest
rate at each adjustment.
Margin The number of percentage points the lender adds to the index rate to calculate the ARM interest
rate at each adjustment.
The new
rate at the adjustment period is determined by the index and a fixed margin that was established at the beginning of the mortgage loan.
Not exact matches
«I can
at most venture a personal judgment, based on some examination of the historical evidence, that the initial effects [on employment] of a higher and unanticipated
rate of inflation last for something like two to five years; that this initial effect then begins to be reversed; and that a full
adjustment to the new
rate of inflation takes about as long for employment as for interest
rates, say, a couple of decades.»
The ECRI is looking
at year - over-year growth
rates (not impacted by seasonal -
adjustment formulas) and seeing a much weaker picture of the U.S. economy.
«I will be looking closely
at the evolution of inflation before making a determination about further
adjustments to the federal funds
rate,» she said.
Note 1: The Non-GAAP
adjustments are tax effected
at the applicable statutory
rates and the difference between the GAAP and Non-GAAP tax
rates.
After accounting for the impacts of measures and
adjustments, the Sales Tax revenue base is projected to grow
at an average annual
rate of 4.3 per cent over the forecast period, roughly consistent with the average annual growth in nominal consumption of 4.0 per cent over this period.
At July 28, 2012, borrowings under the Asset - Based Revolving Credit Facility bore interest at a rate per annum equal to, at NMG's option, either (a) a base rate determined by reference to the highest of (i) a defined prime rate, (ii) the federal funds effective rate plus 1/2 of 1.00 % or (iii) a one - month LIBOR rate plus 1.00 % or (b) a LIBOR rate, subject to certain adjustments, in each case plus an applicable margi
At July 28, 2012, borrowings under the Asset - Based Revolving Credit Facility bore interest
at a rate per annum equal to, at NMG's option, either (a) a base rate determined by reference to the highest of (i) a defined prime rate, (ii) the federal funds effective rate plus 1/2 of 1.00 % or (iii) a one - month LIBOR rate plus 1.00 % or (b) a LIBOR rate, subject to certain adjustments, in each case plus an applicable margi
at a
rate per annum equal to,
at NMG's option, either (a) a base rate determined by reference to the highest of (i) a defined prime rate, (ii) the federal funds effective rate plus 1/2 of 1.00 % or (iii) a one - month LIBOR rate plus 1.00 % or (b) a LIBOR rate, subject to certain adjustments, in each case plus an applicable margi
at NMG's option, either (a) a base
rate determined by reference to the highest of (i) a defined prime
rate, (ii) the federal funds effective
rate plus 1/2 of 1.00 % or (iii) a one - month LIBOR
rate plus 1.00 % or (b) a LIBOR
rate, subject to certain
adjustments, in each case plus an applicable margin.
At April 27, 2013, borrowings under the Asset - Based Revolving Credit Facility bore interest at a rate per annum equal to, at NMG's option, either (a) a base rate determined by reference to the highest of (i) a defined prime rate, (ii) the federal funds effective rate plus 1/2 of 1.00 % or (iii) a one - month LIBOR rate plus 1.00 % or (b) a LIBOR rate, subject to certain adjustments, in each case plus an applicable margi
At April 27, 2013, borrowings under the Asset - Based Revolving Credit Facility bore interest
at a rate per annum equal to, at NMG's option, either (a) a base rate determined by reference to the highest of (i) a defined prime rate, (ii) the federal funds effective rate plus 1/2 of 1.00 % or (iii) a one - month LIBOR rate plus 1.00 % or (b) a LIBOR rate, subject to certain adjustments, in each case plus an applicable margi
at a
rate per annum equal to,
at NMG's option, either (a) a base rate determined by reference to the highest of (i) a defined prime rate, (ii) the federal funds effective rate plus 1/2 of 1.00 % or (iii) a one - month LIBOR rate plus 1.00 % or (b) a LIBOR rate, subject to certain adjustments, in each case plus an applicable margi
at NMG's option, either (a) a base
rate determined by reference to the highest of (i) a defined prime
rate, (ii) the federal funds effective
rate plus 1/2 of 1.00 % or (iii) a one - month LIBOR
rate plus 1.00 % or (b) a LIBOR
rate, subject to certain
adjustments, in each case plus an applicable margin.
At that time, the Bank used daily
adjustments in the level of settlement balances to set a «target level» for the overnight
rate within the operating band.
Nevertheless, Canada has been able to control inflation and has been a successful inflation targeter since 1991, influencing economic activity and aggregate prices through
adjustments in interest
rates at the short end of the yield curve.
If the state funds these unproductive workers by borrowing
at repressed
rates from households, or by otherwise raising direct or hidden household taxes, this way of managing unemployment will indeed serve simply to prevent or even reverse the
adjustment process.
An
adjustment for the impact of currency exchange
rate fluctuations, which was also mandated
at the time goals were established.
The Series A, Series A-1, Series B, Series C, Series D, Series E, and Series F convert to Class B common stock
at the then effective conversion
rate subject to
adjustment in the event of stock - splits, stock dividends, and certain anti-dilutive issuances of shares of our common stock.
In addition, the risk of fiscal slippage has also diminished given the government's large fiscal
adjustment over 2015 - 2016, suggesting a transition to the B3
rating level in coming years is unlikely
at this point.
We expect salaries, wages and benefit expense to grow
at a faster
rate than our capacity as market and tenure - related
adjustments continue.
Some significant pay equityÂ
adjustments took place in public administration during that period of time, and the workforce in public administration has been aging
at a more rapid
rate than average.
The
adjustment in interest
rates in the United States from 1.5 % to 1.75 %
at today's meeting has been expected by the market for several months already.
To screen for «dividend growth» shares that may have lower starting yields but have more potential to grow future payouts
at high
rates, we simply need to make a few
adjustments to our screening parameters.
Most ARMs allow for a multi-year period in which the mortgage
rate is locked, and
rate adjustments — when they do occur — take place
at preset yearly intervals, delaying the effect of a
rate hike.
The annual
rate of retirement health care costs is growing (5.47 percent)
at double the annual growth
rate of Social Security cost - of - living
adjustments, a new study finds.
It is also important to note that
at the beginning of the current boom, the unemployment
rate was around 6 per cent, suggesting that there was some excess capacity in the labour market
at the outset of the
adjustment to the mining investment boom (this is another point of departure from the theory presented in Section 2, which assumes that the economy is in equilibrium prior to the boom).
In the case of financial prices, such as the exchange
rate, bond yields, commodity prices and share prices, of course, the
adjustments occur
at once, as market participants can immediately adjust prices to reflect their expectations of what is to come.
-- One cap restricts the amount the interest
rate can change
at the first
adjustment, the second restricts the amount the interest
rate can change every
adjustment period after the first
adjustment period, and the third cap restricts the maximum interest
rate you can pay for as long as you have the mortgage.
As a result,
at the appropriate time, the (Fed) will be able to return to conducting monetary policy primarily through
adjustments in the short - term policy
rate.
And by doing that, they would make small incremental
adjustments to the effective Fed funds
rate or the Fed funds target
rate at that point in time and actually, because it wasn't posted on Bloomberg or wasn't said
at that point in time, in the late 70s, early 80s you wouldn't actually know that the Fed was actually targeting or adjusting interest
rates until you actually saw those processes or felt them in the marketplace occurring in the short - term markets.
The paper concludes: «Irrespective of either the matching or the
adjustment procedure, we are unable to find evidence that schemes allowing emergency birth control leads to reductions in teenage pregnancy
rates» — in other words, whichever way we looked
at the data, there was no evidence that confidential pharmacy EBC schemes lead to reductions in teenage pregnancy
rates.
Results Mothers delivering in accredited maternity units were more likely to start breastfeeding than those delivering in units with neither award [adjusted
rate ratio: 1.10, 95 % confidence interval (CI) 1.05 — 1.15], but were not more likely to breastfeed
at 1 month (0.96, 95 % CI 0.84 — 1.09), after
adjustment for social, demographic, and obstetric factors.
The purpose of our study was to determine whether breastfeeding
rates in the UK were higher among mothers delivering in Baby Friendly accredited maternity units, using data from the Millennium Cohort Study.18 Specifically we assessed breastfeeding initiation and the prevalence of any breastfeeding
at 1 month after
adjustment for maternal factors known to influence a mother's decision to breastfeed.
An earlier study reported no significant difference in
rates of lower respiratory illness and associated hospital admissions between those never breast fed to those breast fed for three months or more after
adjustment for maternal smoking.6 However in this study, the breast feeding data were collected retrospectively and categorically
at five years (never breast fed, < 1 month, 1 — 2 months, 3 + months), and the true effect may have been obscured.
At all ages, control infants were breastfed at higher rates than SIDS victims, and the protective effect of partial or exclusive breastfeeding remained statistically significant after adjustment for confounders.244 A recent meta - analysis that included 18 case - control studies revealed an unadjusted summary OR for any breastfeeding of 0.40 (95 % CI: 0.35 — 0.44
At all ages, control infants were breastfed
at higher rates than SIDS victims, and the protective effect of partial or exclusive breastfeeding remained statistically significant after adjustment for confounders.244 A recent meta - analysis that included 18 case - control studies revealed an unadjusted summary OR for any breastfeeding of 0.40 (95 % CI: 0.35 — 0.44
at higher
rates than SIDS victims, and the protective effect of partial or exclusive breastfeeding remained statistically significant after
adjustment for confounders.244 A recent meta - analysis that included 18 case - control studies revealed an unadjusted summary OR for any breastfeeding of 0.40 (95 % CI: 0.35 — 0.44).
The tax cap, enacted in 2011, forces school districts and local governments to keep tax increases
at 2 percent or the
rate of inflation (with other factors built in for
adjustments)-- unless approved by a 60 percent «supermajority.»
Both candidates support an
adjustment in federal reimbursement
rates to local hospitals, which currently favor Dutchess County
at the expense of Ulster.
So I think it's very realistic, if we want to look
at the
adjustment to that big disequilibrium then that we have generated, to look
at those sort of
rates of change that we will eventually achieve; and maybe not this century, we'll be working our way up to that, but certainly in the next century, we need to think about that as the
rate of sea - level rise.
This finding was even more pronounced in men (likelihood ratio test P = 0.007), such that
rates of non-affective psychotic disorder were elevated in refugees compared with migrants from all regions of origin, except sub-Saharan Africa (hazard ratio 0.68, 0.40 to 1.16), after
adjustment for age
at risk, sex, disposable income, and population density (table 3 ⇓).
MacLean
at the University of Colorado describes this general metabolic behavior: «[When we eat less] metabolic
adjustments occur... [which] contribute to a large potential energy imbalance that, when the forcible control of energy intake is relieved... results in an exceptionally high
rate of weight regain.»
Finally, sensitivity analyses were performed by excluding individuals who might have made dietary
adjustments and / or lifestyle changes because of chronic disease
at baseline (i.e., hypertension, hyperlipidemia, myocardial infarction, and / or stroke) and by excluding misreports of energy according to Goldberg criterion categories, defined as «under - reporters» with a ratio of energy intake to basal metabolic
rate < 1.14 and «over-reporters» with a ratio of > 2.1 (29).
Hispanic and Asian children, however, still participate
at lower
rates than whites with these
adjustments.
The NAEP
adjustment relies on 2015 math and reading proficiency
rates on the National Assessment of Educational Progress (NAEP)
at the state / subgroup / grade level.
The only difference is the size of the
adjustments, the type of
adjustments, and the
rate at which he proceeds through the curriculum.
Impressively, there's 30 bump and rebound settings to trim the car's handling balance to our liking, and ride height
adjustment is set independently of the spring
rate, so as not to compromise the tune the guys
at Pedders work so hard to tailor.
Initial Cap: the maximum limit on the first
rate adjustment at the end of the fixed -
rate period.
Plus the option to make one additional deposit
at the time of the
rate adjustment.
An ARM usually offers a lower initial interest
rate, someone choosing an ARM generally wants to take advantage of the initially low interest
rate but intends to refinance
at the end of the fixed period, or if they think
rates will drop further they will take advantage of the
rate adjustments while
rates decline.
The
adjustment cap limits the extent that your interest
rate can change, up or down,
at any single
adjustment, while the lifetime cap limits the maximum interest
rate you can pay.
If the ARM loan has a teaser
rate, the interest
rate will almost certainly increase
at the first
adjustment or two.
A form of Adjustable
Rate Mortgage with a one - time rate adjustment at the end of either five of seven ye
Rate Mortgage with a one - time
rate adjustment at the end of either five of seven ye
rate adjustment at the end of either five of seven years.
The
adjustment cap limits the
rate adjustment so that the borrower doesn't get hit with a huge payment increase all
at once.