Sentences with phrase «year decreasing term»

If you have a 30 year mortgage, your mortgage life insurance policy will be a 30 year decreasing term policy.

For example, many families choose a 20 or 30 - year decreasing term plan to provide protection for their family until the kids are grown and on their own.

The wise thing to do is to buy a 25 year decreasing term policy in the amount of $ 200,000.

For example, a person can purchase a 20 year decreasing term policy where the premiums are locked in for that time period.

Let's say you purchase a 5 - year decreasing term insurance policy with a payout of $ 10,000 during the first year.

If a client wanted to achieve the same potential benefits as a thirty year decreasing term life policy to assist in covering their 30 year fixed, no arm, mortgage - then they could either:

Not exact matches

Say you've had a certain credit card for 10 years; closing that account may decrease your overall average credit history and negatively impact your score, especially over the short term.

The sales goals for our performance share unit program are expressed in terms of a percentage increase or decrease as compared to our prior fiscal year performance.

Also look at decreasing your term, say from 30 years to 15 years.

In more technical terms, FCF is NOPAT minus this year's increase (or decrease) in Invested Capital.

In terms of profitability and revenue, as expected, both were down from previous years — 63 % of respondents reported that profitability decreased and 71 % of respondents noted that revenue decreased.

In terms of rationale for owning gold, Khaner cites that gold supply is decreasing as production is around 2,500 tons per year and consumption bests that at 4,000 tons.

While the oil industry waits for the worldwide petroleum glut to decrease — something the International Energy Agency believes might occur by the end of the year — frack sand investors can take comfort in the knowledge that 70 %, 88 %, and 87 % of US Silica's, Hi - Crush Partners», and Emerge Energy's respective current and medium - term production is protected by highly profitable contracts.

For the higher - income $ 100,000 per year spenders who rely on portfolio withdrawals for a bigger portion of their retirement, these distributions would also decrease in nominal terms over these two decades, assuming Social Security benefits were $ 40,000 with 2 percent inflation.

According to Child Trends Data Bank, 77 percent of men and 65 percent of women in 2012 said children sometimes need a «good, hard spanking,» a proportion that's been decreasing steadily over the past 20 years over a growing body of research showing that spanking and other physical punishment may be harmful in the long - term and doesn't actually work that well.

Another important change envisioned by Fontana is for senators to have their term decreased from 8 to 4 years.

«Years of decreasing, stagnant or slow economic growth have led local governments to cut vital services and tap their rainy day funds to balance budgets, a practice that is not sustainable in the long term,» the comptroller said.

It was designed to provide them with stable payments, and to decrease their payments in the short term, which would provide relief until pension costs subside in future years.

He contended that the policy helped decrease crime in the city over the years, a drop that mainly took place during Bratton's first term under former Mayor Rudy Giuliani.

Over the past four years, bank small business lending under $ 250,000 has decreased by 60 percent in number of loans and 48 percent in dollar terms.

The average decrease in real - term budgets was 11 % last year and will be at least 21 % this year.

«Three years into his first term as Governor, he's the most popular elected official in Florida's history because of his outstanding career as a no - nonsense attorney general, a progressive education commissioner, and a fiscally conservative chief executive who last year led Florida to its largest property - tax decrease ever.

«It's a bittersweet situation, I think we have a person that has poured themselves into the Syracuse City School District over the last five years and have helped us move forward in terms of improving graduation rates, decreasing drop - out rates and getting our schools off the receivership list,» Dorsey said.

The results suggest that use of pain medications increases in the year before hip - replacement surgery, with a further increase immediately afterward, followed by a long - term decrease.

«If climate change caused this year's water flow decreases, which I think it did, and then its impact [on rivers] will be a long term.

Long - term monitoring activities following the fate of phosphorus in lakes show that plants and animals don't recover for many years even if the phosphorus load is decreased.

«Our study suggests that follow - up with bariatric specialists more than 5 years after surgery, rather than with specialists with no bariatric expertise, can decrease long - term anemia risk.

The history of the Himalayas broadly fits the long - term decrease in Earth's average temperature since the mid-Eocene, 40 million years ago.

A second surgery, and long - term results One year later, Watson's snoring had decreased but hadn't disappeared, and signs of his sleep apnea were still around too.

I have been a vegan for about 2 years now, 16yo, 172 cm, 54 kg, I have lost a bit too much weight over these couple years and my strength has decreased, I was wondering if you could make a video on good practices in terms of diet when trying to gain weight and strength healthily?

The acquisition of muscle mass did not happen to me overnight so it kind of grew, over the months and years along with my continued practice of running and sprinting and as a result I never noticed any decrease in terms of speed or quickness or endurance.

Only in a prospective study from Lopez - Garcia et al., 69 who studied the effect of caffeine on long - term weight change in a cohort, it was found that people who increased the caffeine consumption over 12 years gained less weight than those who decreased the caffeine consumption.

Although he supposedly retired to Tasmania in the early 2000s, it is very difficult to see a substantial decrease in his level of engagement or activity, though it did give him more time to write for such outlets as Senses of Cinema and communicate his passion for film history, as well as contemporary cinema, in a series of lectures or talks (I'm sure he'd prefer the latter term) held over a ten - year - period at the State Cinema in Hobart.

They found that the benefits of SEL persist for several years — boosting academic success, decreasing disruptive behavior, and reducing emotional distress in the long term.

«Given that our class sizes were anything between 40 to 53 last year, we haven't had any issues in terms of the overall achievement of the students - there's been no decrease,» Loke comments.

Commit to embracing arts and arts integration as a long - term (3 + years) strategy to: decrease the achievement gap, increase standardized test scores, and improve school culture and academic improvement simultaneously.

Mercedes sold 5,122 E-Classes last month, which is second in terms of volume, but a 8.6 percent decrease compared to the same period last year.

The odds strongly favor a decrease in overall stock valuations in the intermediate - term (of 5 to 20 years or approximately 10 years).

The drop in debt from one graduating class to the successive class was a 1.50 percent decrease year over year in terms of average student debt per borrower.

The Company is in the process of evaluating the terms of the transaction, but believe that if the transaction had been completed at the beginning of the 2008 fiscal year, the cash received would have been recorded as revenue and would have increased the amount of financial assets and decreased each of the net loss and the accumulated deficit reported at September 30, 2008 by $ 7.0 million.

When the government of Canada increases its price on the long term bonds, an example is the 5 year term, the yields decreases.

For example, if short - term rates were to rise 1 %, you would lose about 2 % on a short - term bond fund (assuming a 2 year duration), and your total return over 1 year would be about 0 % (2 % interest minus 2 % decrease in value).

For the third consecutive year the proportion of total assets held in cash and term deposits decreased slightly (by 2 %).

However, if you purchased the home later in life, and you have several years left on the mortgage term, refinancing and extending repayment another 30 years decreases the monthly payment.

Long term debt has decreased every year since 2010.

Likewise, if a person receives no raise from work each year, they actually have received a pay decrease in real terms while still being paid the same amount in nominal terms (the dollar value you see on your paycheque)

However, between the ages of 75 and 90, the amount of fixed term life insurance may decrease each year.

One bad month can erase all of your monthly gains for your 12 month term, but your account will not decrease in value overall and your gains from prior years are locked in.

As an outcome, when Canada's government determines long - term prices of bonds, for instance a 5 year increase, the result would be a decrease in the yield.

You could have the term of your mortgage go from 30 years down to 15 or 20 years and in the process not only will you be cutting time off the loan but also decreasing your interest costs.