# Interest

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Last seen on: Jonesin’ – Jun 30 2020

### Random information on the term “Interest”:

Actuarial notation is a shorthand method to allow actuaries to record mathematical formulas that deal with interest rates and life tables.

Traditional notation uses a halo system where symbols are placed as superscript or subscript before or after the main letter. Example notation using the halo system can be seen below.

Various proposals have been made to adopt a linear system where all the notation would be on a single line without the use of superscripts or subscripts. Such a method would be useful for computing where representation of the halo system can be extremely difficult. However, a standard linear system has yet to emerge.

i {\displaystyle \,i} is the annual effective interest rate, which is the “true” rate of interest over a year. Thus if the annual interest rate is 12% then i = 0.12 {\displaystyle \,i=0.12} .

i ( m ) {\displaystyle \,i^{(m)}} (pronounced “i upper m”) is the nominal interest rate convertible m {\displaystyle m} times a year, and is numerically equal to m {\displaystyle m} times the effective rate of interest over one m {\displaystyle m} th of a year. For example, i ( 2 ) {\displaystyle \,i^{(2)}} is the nominal rate of interest convertible semiannually. If the effective annual rate of interest is 12%, then i ( 2 ) / 2 {\displaystyle \,i^{(2)}/2} represents the effective interest rate every six months. Since ( 1.0583 ) 2 = 1.12 {\displaystyle \,(1.0583)^{2}=1.12} , we have i ( 2 ) / 2 = 0.0583 {\displaystyle \,i^{(2)}/2=0.0583} and hence i ( 2 ) = 0.1166 {\displaystyle \,i^{(2)}=0.1166} . The “(m)” appearing in the symbol i ( m ) {\displaystyle \,i^{(m)}} is not an “exponent.” It merely represents the number of interest conversions, or compounding times, per year. Semi-annual compounding, (or converting interest every six months), is frequently used in valuing bonds (see also fixed income securities) and similar monetary financial liability instruments, whereas home mortgages frequently convert interest monthly. Following the above example again where i = 0.12 {\displaystyle \,i=0.12} , we have i ( 12 ) = 0.1139 {\displaystyle \,i^{(12)}=0.1139} since ( 1 + 0.1139 12 ) 12 = 1.12 {\displaystyle \,\left(1+{\frac {0.1139}{12}}\right)^{12}=1.12} .

### Random information on the term “GRAB”:

The Committee on Space Research (COSPAR) was established by the International Council for Science (ICSU) in 1958.

Among COSPAR’s objectives are the promotion of scientific research in space on an international level, with emphasis on the free exchange of results, information, and opinions, and providing a forum, open to all scientists, for the discussion of problems that may affect space research. These objectives are achieved through the organization of symposia, publication, and other means.COSPAR has created a number of research programmes on different topics, a few in cooperation with other scientific Unions. The long-term project COSPAR international reference atmosphere started in 1960; since then it has produced several editions of the high-atmosphere code CIRA. The code “IRI” of the URSI-COSPAR working group on the International Reference Ionosphere was first edited in 1978 and is yearly updated.

Every second year, COSPAR calls for a General Assembly (also called Scientific Assembly). These are conferences currently gathering more than a thousand participating space researchers. The most recent assemblies are listed in the table below. The 41st General Assembly in Istanbul was cancelled due to the 2016 Turkish coup d’état attempt.