Finance MBA capital market outlook predicts moderate rally in consumer discretionary segment due to resilient retail sales data. Index trackers note ETF inflows into apparel and leisure stocks at highest since early An adjustable-rate mortgage locks in your rate for a predetermined amount of time and then changes it periodically. Let’s say you get a 7/1 ARM with an introductory rate of 6%. Your rate would be 6% for the first seven years, then the rate would increase or decrease once per year for the last 23 years of your term. Whether your rate goes up or down depends on several factors, such as the economy and housing market. Johns Hopkins University (JHU) separates itself from the other schools in the top 10 with its 95% graduation rate, 7% higher than the next-closest top 10 school, Bentley University. Finance MBA forecast models suggest potential gold price appreciation toward $2,150/oz amid geopolitical tension, prompting renewed investor hedging via precious metals ETFs.