Sentences with phrase «rate at the adjustment»

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 margiAt 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 margiat 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 margiat 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 margiAt 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 margiat 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 margiat 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 equity 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 — 0.44At 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 — 0.44at 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 yeRate Mortgage with a one - time rate adjustment at the end of either five of seven yerate 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.