A spot transaction is an agreement to buy or sell currency at the current market exchange rate. A forward rate is an agreement to buy or sell currency at a delivery date in the future. A forward rate will either sell at a premium or discount to the spot rate based on a calculation involving the interest rate differential of the country's involved.

Both buttons "re-package" a selected message so that it can be re-sent. The 'Reply' button also addresses the message back to who sent it - the 'Forward' button leaves filling in the address up to you.

The interest rate is the rate at which you repay the mortgage loan. It determines the principal and interest component of your monthly mortgage payment. The APR is the actual cost of borrowing in the form of an annual percentage rate. It includes the interest rate, points, mortgage insurance, and other finance charges associated with the loan. Because of these charges, the APR is often higher than the interest rate.

Spot removal is soiling that can most likely be removed with regular cleaning methods. A stain (usually deemed permanent) requires other means of removal and may not always be possible. For spot removal tips click here.

When you are dealing in Yen or CHF in the futures market, you are buying a currency contract based on a forward date, dealing in standardised contracts made and traded on an exchange that is chartered and licensed to serve as a trading arena in specific futures contracts. Spot trading in the Forex market is different. A forward market is one in which people agree to trade a commodity at a fixed price at some future date. In the Spot market, the price in question is that for immediate delivery i.

In daily newspapers, one can read quotations for the spot rate, forward rate, and options on currencies. At the spot rate, currencies can be exchanged for delivery in 2 days, i.e. on the spot. The word market is a misnomer in the context of FOREX trading, since there is no central location where trading takes place. The bulk of forex trading is between approximately 300 large international banks, which process transactions for large companies and governments.

Carry forward refers to the amount of unused benefit from the current year that you can add to the next year's benefit limit. For example, if you were given $5,000 for 2006, but used only $4,000, that unused $1,000 can be carried forward to your benefit limit for the 2007 plan year. Carry over refers to approved expenses that exceeded your benefit limit in the current year. For example, in 2006 your benefit limit was $5,000, but your year-end expenses were $5,750.

Alias is an email address at your domain (alias@yourdomain.com), which automatically forwards any mail received to some other real (with POP/IMAP access) mailbox under the same domain that you specify. Email forward is the same as alias, but any external POP/IMAP mailbox (under a different domain) can be used.

A forward contract is an obligation to buy or sell currency at a future date and is commonly used for known exposures. An option costs a premium up front and is most often used for hedging contingent assets or liabilities.

Resend is available on Outgoing faxes that have been Rejected. You may change a limited set of fields when you resend a fax, but you are dealing with a fax that is already on the server. Forward is also available for Outgoing faxes, but it simply downloads the fax attachments and loads them into a Composer for you to finish composing the fax. When you Send it, a completely new fax will exist on the server, but it will be based on the attachments you selected to forward.

The teen birth rate is lower than the teen pregnancy rate because birth rates only include those pregnancies that end in a live birth (57% of all teen pregnancies in 2000). The pregnancy rate, on the other hand, includes all pregnancies - those ending in live births, abortions, and miscarriages. It's likely that both are correct, they just come from different data sets. This could be for one of two reasons.

With a fixed rate mortgage, you may pay a higher interest rate initially, but you are guaranteed this rate for the life of the loan. An adjustable-rate mortgage (ARM), on the other hand, will have a variable interest rate. Initially, though, an ARM might be able to offer lower interest rates on your quick home mortgage loan. If you can no longer manage your debt on your own, consider debt management. Let professionals help you.

Process colours are made up of the 4 additive colours CMYK, whereas a spot colour is a single ink. For example...Reflex Blue is made up of 100%C 73%M 0%Y 2%K resulting in 3 inks laid on top of one another to produce the desired colour...the spot Reflex Blue is one ink only resulting in one pass of the press as opposed to three.

Occasionally the permanent tooth begins to erupt before the baby tooth falls out. Encourage your child to wiggle out the baby tooth. If the permanent tooth is more than half way in, the child may need help in getting the tooth out. Please call our office for an appointment.

Space heating refers to the warming of an entire room or building for comfort or to avoid freezing. Spot heating refers to the warming of an area within a much larger unheated structure, such as the spectator stands in an ice arena, a shipper’s station in an unheated warehouse, work stations in a courier depot, or a restaurant patio.

I recommend the vanishing formula, which is basically a white cream that vanishes into the skin. The tinted formula does not vanish, but rather looks like foundation make-up and leaves your face with an orange/brown tint, helping to mask acne. I have not tried the tinted formula because I do not wish to appear that I am wearing make-up. Most people on the message boards seem to prefer the vanishing formula. As always, do the regimen precisely as outlined until you are clear.

Dodgers sway from side to side or waggle, but don't rotate. Hot Spot flashers are designed to rotate and will impart much more action to lures, especially bait and hoochies.

When we print something that is full color, it's actually printing in only 4 colors of ink---Cyan, Magenta, Yellow and Black (CMYK).You get the entire color spectrum by using these four colors in different combinations as small dots on paper. Since you're using 4 different ink colors, and four different press plates, this process can be expensive. If you're looking for a more cost-effective process, spot color is the way to go. It has more punch than just black and white.

A frequency is an actual count of the number of cases. Percentage is the occurrence of an event expressed per 100 cases. For example, 25% refers to 25 out of 100 cases. Rate is the occurrence of an event expressed per unit of size of the population, which it is observed. For instance, death or mortality rates are usually expressed per 100,000, over a given period, usually 1 year.

Mortgage rates can change from day to day or even more often. If you are concerned that interest rates may rise during the time your loan is being processed, you can 'lock in' the current rate for a short time, usually 60 days or less. The benefit is the security of knowing the interest rate is locked if interest rates should increase. However, if you are locked in and rates decrease, you may not necessarily get the benefit of the decrease in interest rates.