In order to access or use certain components of OLG.ca, it may be necessary for a Prospective Player or a Player to download software (for example, certain casino games may require a flash player or an up-to-date web browser.). A Player may close his or her Player Account at any time by contacting Player Support (“Closed Account”). All Players who are at least 18 years of age are eligible to play Draw-Based Lottery Games Played Online; the Intending Player must reside in Ontario; the Intending Player must be physically located in the Province of Ontario each time the Player plays any of the Games (including when signing up for  Future Game Transactions); the Intending Player must not be an Excluded Individual; the Intending Player must be an individual who is acting on his or her own behalf. A Prospective Player or a Player may contact the AGCO regarding any aspect of OLG.ca as follows: Alcohol and Gaming Commission of Ontario terms, and the absolute sensitivity is often referred to as dollar (euro) duration, DV01, BPV, or delta (δ or Δ) risk). There are also tax deductions for points, which can be spread across the life of your loan to reduce your annual tax liabilities. Current tickets may not be exactly as shown. P As with a conventional cash-out refi everything depends upon the equity you have built up in your property. If that debit results in a negative balance of Unutilized Funds in the Player Account, the amount of the negative balance will constitute a debt owed by the Player to OLG, and OLG reserves the right to recover such amount from the Player; Deactivate the Player Account and exclude the Player from playing Games on OLG.ca (i.e., deem the individual to thereafter be an Excluded Individual); or. Each Player is prohibited from engaging in, and is required to immediately notify OLG upon becoming aware that another Player is or may be engaging in, any form of collusion, cheating, fraud or criminal activity or otherwise exploiting an unfair advantage involving any Game or other component of OLG.ca, including in connection with the registration of a Player Account, the deposit of funds with OLG to the credit of the notional balance of a Player Account or the withdrawal of Unutilized Funds. Any scheduled wagers, bets or purchases (including for Future Game Transactions) that have not been completed prior to the Closure or Deactivation will be cancelled; the Player will not be entitled to receive any offers for new Bonus Funds, and any existing Bonus Funds associated with the Player Account will be cancelled and the Player will not be entitled to receive any compensation in respect of the cancelled Bonus Funds; and. Without limiting the foregoing, when a Player Account is a Closed Account or a Deactivated Account: Prospective Players, Intending Players, and Players are solely responsible for supplying and maintaining all equipment, technology and services that they require to access and use OLG.ca. A savvy agent knows how to unbundle these factors in a comparative way for you to consider. For example, a 5-year fixed-rate interest-only bond would have a Weighted Average Life of 5, and a Macaulay duration that should be very close. D The differences between the two are as follows: In contrast to Macaulay duration, modified duration (sometimes abbreviated MD) is a price sensitivity measure, defined as the percentage derivative of price with respect to yield (the logarithmic derivative of bond price with respect to yield). A Player will not be obligated to accept Bonus Funds. that the Player has completed the Future Game Transactions with adequate time (as determined by OLG) to allow OLG to process and record such transaction. where OLG misstates any Lottery Game Rules, Pay-to-Play Game Rules or Bonus Funds Terms, in each case as a result of an obvious error or omission in inputting the information, or as a result of a computer malfunction; where OLG credits a Player Account, thereby increasing the amount of Unutilized Funds, as a result of a manual or computer input error; or. Remember that there is no consistent formula between companies when it comes to what part of the year they credit their dividends with interest. It really depends on your situation and if you have a family or not. This means that if yields go up from 5% to 5.01% (a rise of 1bp) the price should fall by roughly 0.0976% or a change in price from $61.0271 per $100 notional to roughly $60.968. {\displaystyle (t_{1},...,t_{n})} r If OLG is unable to contact the player within 24-months of the Player Account becoming a Dormant Account, Unutilized Funds may be forfeited to OLG. Also, please take a few moments and review the rules for posting at Lottery Post. Note that convexity can be positive or negative. Tel: 1 (416) 326 8700 or 1 (800) 522 2876 (toll free in Ontario). The above calculator tab offers a caulator to quickly figure common Loan-to-Value (LTV) amounts based on the value of your home & how much you owe on the existing loan. All rights reserved. is commonly used for value-at-risk (VaR) calculation. 90 Sheppard Avenue East, Suite 200 The VA will only guarantee 25% of the refi amount, and most lenders cap the loan-to-value limits on cash-out refinancing at 90%. {\displaystyle t_{1}} RedFlagDeals for iOS and Android makes it easy to stay on top of the latest Canadian deals, flyers and freebies from wherever you are! Of course, as with any financial transaction, things are rarely as simple as they may seem on the surface, and there are a few key points that need to be considered. {\displaystyle PV(i)} We have blurred out the different company names to avoid legal hassles, but this gives you a visual example of how you can compare different companies’ relative movement and Whole Life insurance dividend history. A Player is only entitled to have one Player Account. The Queen v. Rumack (92 DTC 6142), where Ms. Rumack won $1,000 a month for life. † Prize Payout is the theoretical payout percentage based on the dollar amount of all cash prizes (excluding the value of free tickets) offered within an INSTANT Lottery Game at the time that the Game is launched, and assuming all tickets for that Game are purchased (excluding free ticket prizes used for purchases) and all cash prizes are claimed.

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