Short rates represent a penalty for terminating a policy at other than the company's request. For example if the company were to cancel a policy at its request the prorate refund would be .507 of the annual premium at day 180 (1/2 year) The short rate refund on the same premium would be .400 at day 180. As you can see it is about 10% penalty. Example: on a $1000 premium you would get $507 back prorate but only $400 back on short rate. Hope that helps.
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An ideal range to aim for when exercising, calculated using the maximum heart rate formula
Title insurance rates vary from state to state and market to market. In some states, the fees are set by the AGENT, and are market competitive -- they may be negotiated by the Agent. In other states, the rates and fees are regulated by that state's Department of Insurance and the fees may not be negotiated - higher or lower than the regulated fees. In both cases, the premium fees are calculated on a per $1000 rate. That rate is then based on whether the transaction is a "basic" rate, "re-issue" rate, "refinance" rate or "new construction" rate. Basic rate covers a policy issued on a Purchase transaction and usually calculated on the Purchase Price and the Mortgage Amount. Re-Issue rate covers a policy issued on a Purchase transaction and whether or not the Sellers can provide backtitle to the Buyers. The back title criteria is typically based on how old the Sellers' Owner's Policy is. (Usually a lower per $1000 rate than basic) Refinance rate covers a policy issued to the current owner on a Mortgage loan. Depending on the state, the previous mortgage amount may have a bearing on how the rate is calculated.(Usually a lower per $1000 rate than basic) New construction rates covers the builder during the construction of the property, before the construction is complete. (Usually a significantly lower rate than basic since the property is not a fully finished home/building during the time of coverage.) New construction rates do NOT cover a buyer purchasing a completed home from the builder, only the time the home is BEING constructed and covering the builder.
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= (heart rate at excercise - heart rate 1 minute after stopping the excercise)/10 rate condition <2 poor 2-2,9 fair 3-3,9 good 4-5,9 excellent >6 outstanding
the calculated pulse is not accurate as you have only measured it fo 15 seconds. then multiplied it by four. Now as pulse is measured in BPM (Beats Per Minute) The accurate way is to actually time it for a minute and you will have an accurate answer.