The Margin
For an adjustable-rate mortgage, the index is a benchmark interest rate that reflects general market conditions and the margin is a number set by your lender when you apply for your loan. The index and margin are added together to become your interest rate when your initial rate expires.
The Margin
The margin is the number of percentage points added to the index by the mortgage lender to set your interest rate on an adjustable-rate mortgage (ARM) after the initial rate period ends. The margin is set in your loan agreement and won't change after closing. The margin amount depends on the particular lender and loan.
In Word, each page automatically has a one-inch margin. You can customize or choose predefined margin settings, set margins for facing pages, allow extra margin space to allow for document binding, and change how margins are measured.
Change the margins for only a section of a document by selecting the text and entering the new margins in the Page Setup dialog box. In the Apply to box, click Selected text. Microsoft Word automatically inserts section breaks before and after the text with new margin settings.
Most printers require a minimum width for margin settings. If your settings are too narrow, Microsoft Word displays the message One or more margins are set outside the printable area of the page. Click Fix to automatically increase the margin width. If you ignore the message, Word will display another message asking whether you want to continue.
Use mirror margins to set up facing pages for double-sided documents, such as books or magazines. When you choose mirror margins, the margins of the left page are a mirror image of those on the right page. The inside margins are the same width, and the outside margins are the same width.
Add margins for binding A gutter margin adds extra space to the side margin, top margin, or inside margins of a document that you plan to bind to help ensure that text isn't obscured by binding.
Set margins for facing pages Use mirror margins to set up facing pages for double-sided documents, such as books or magazines. In this case, the margins of the left page are a mirror image of those of the right page. The inside margins are the same width, and the outside margins are the same width.
Most printers require a minimum width for margin settings. If you try to set margins that are too narrow, Microsoft Word displays the message One or more margins are set outside the printable area of the page. Click Fix to automatically increase the margin width. If you ignore the message, Word will display another message asking whether you want to continue.
To change the default margins, click Margins after you select a new margin, and then click Custom Margins. In the Page Setup dialog box, click the Default button, and then click Yes. The new default settings are saved in the template on which the document is based. Each new document based on that template automatically uses the new margin settings.
To restore the original margin settings, click Margins and then click Custom Margins. Change the margins for Top, Bottom, Left, and Right to 1". Then click the Default button and click Yes.
To change the margins for part of a document, select the text, and then set the margins that you want by entering the new margins in the Page Setup dialog box. In the Apply to box, click Selected text. Microsoft Word automatically inserts section breaks before and after the text that has the new margin settings. If your document is already divided into sections, you can click in a section or select multiple sections and then change the margins.
In Poll B, which also has a 3-point margin of error for each individual candidate and a 6-point margin for the difference, the Republican lead of 8 percentage points is large enough that it is unlikely to be due to sampling error alone.
Even when we do see large swings in support from one poll to the next, one should exercise caution in accepting them at face value. From Jan. 1, 2012, through the election in November, Huffpost Pollster listed 590 national polls on the presidential contest between Barack Obama and Mitt Romney. Using the traditional 95% threshold, we would expect 5% (about 30) of those polls to produce estimates that differ from the true population value by more than the margin of error. Some of these might be quite far from the truth.
It is also important to bear in mind that the sampling variability described by the margin of error is only one of many possible sources of error that can affect survey estimates. Different survey firms use different procedures or question wording that can affect the results. Certain kinds of respondents may be less likely to be sampled or respond to some surveys (for instance, people without internet access cannot take online surveys). Respondents might not be candid about controversial opinions when talking to an interviewer on the phone, or might answer in ways that present themselves in a favorable light (such as claiming to be registered to vote when they are not).
The truth is exactly the reverse. Having known war, you are in the forefront of those who know that peace is not obtained or preserved by wishing and weakness. You have consistently urged maintenance of a defense capability that provides a margin of safety for America. Today, that margin is disappearing.
About 10 days ago, our new Secretary of State addressed a gathering on the West Coast. He took me to task about American military strength. Indeed, he denounced the Republican Party for pledging to restore that margin of safety which the Carter Administration had allowed to evaporate. Actually, Ive called for whatever it takes to be strong enough that no other nation will dare violate the peace. This is what we mean by superioritynothing more, nothing less. The American people expect that the nation will remain secure; they have a right to security and we have an obligation to provide it. But Mr. Muskie was downright angry. He charged that such a policy would lead to an all-out arms race. Well, I have a message for him-one which he ignored for years as a Senator when he consistently voted against a strong national defense-were already in an arms race, but only the Soviets are racing. They are outspending us in the military field by 50 percent and more than double, sometimes triple, on their strategic forces.
Shouldnt it be obvious to even the staunchest believer in unilateral disarmament as the sure road to peace that peace never more certain than in the years following World War II when we had a margin of safety in our military power which was so unmistakable that others would not dare to challenge us?
When John F. Kennedy demanded the withdrawal of Soviet missiles from Cuba and the tension mounted in 1962, it was Nikita Khrushchev who backed down, and there was no war. It was because our strategic superiority over the Soviets was so decisive, by about a margin of 8 to 1.
There is an alternative path for America which offers a more realistic hope for peace, one which takes us on the course of restoring that vital margin of safety. For thirty years since the end of World War II, our strategy has been to preserve peace through strength. It is steadiness and the vision of men like Dwight Eisenhower that we have to thank for policies that made America strong and credible.
Our program to restore the margin of safety must be prudent and measured. We must take a stand against terrorism in the world and combat it with firmness, for it is a most cowardly and savage violation of peace. We must regain that margin of safety I spoke of both in conventional arms and the deployment of troops. And we must allow no weakness in our strategic deterrent.
I think continued negotiation with the Soviet Union is essential. We need never be afraid to negotiate as long as we remain true to our goalsthe preservation of peace and freedomand dont seek agreement just for the sake of having an agreement. It is important, also, that the Soviets know we are going about the business of restoring our margin of safety pending an agreement by both sides to limit various kinds of weapons.
The Soviets want peace and victory. We must understand this and what it means to us. They seek a superiority in military strength that, in the event of a confrontation, would leave us with an unacceptable choice between submission or conflict. Submission would give us peace alrightthe peace of a Czechoslovakia or and Afghanistan. But if we have the will and the determination to restore the margin of safety which this Administration seems bent on losing, we can have real peace because we will never be faced with an ultimatum from anyone.
This margin calculator will be your best friend if you want to find out an item's revenue, assuming you know its cost and your desired profit margin percentage. That's not all though, you can calculate any of the main variables in the sales process - cost of goods sold (how much you paid for the stuff that you sell), profit margin, revenue (how much you sell it for) and profit - from any of the other values. In general, your profit margin determines how healthy your company is - with low margins, you're dancing on thin ice, and any change for the worse may result in big trouble. High-profit margins mean there's a lot of room for errors and bad luck. Keep reading to find out how to find your profit margin and what is the gross margin formula.
All the terms (margin, profit margin, gross margin, gross profit margin) are a bit blurry and everyone uses them in slightly different contexts. For example, costs may or may not include expenses other than COGS - usually, they don't. In this calculator, we are using these terms interchangeably and forgive us if they're not in line with some definitions. To us, what's more important is what these terms mean to most people, and for this simple calculation the differences don't really matter. Luckily, it's likely that you already know what you need and how to treat this data. This tool will work as gross margin calculator or a profit margin calculator. 041b061a72