A one percentage point rise from current rates means an extra $61 in monthly payments on a $100,000, 30-year loan. Still, consider locking in your rate once you have set your closing date. For credit cards and home-equity loans, 2014 could be the last hurrah for low rates, says McBride.
1 In a vacuum, all electromagnetic waves travel at approximately 3 x 10 8 m/s-the fastest speed possible. 2  When electromagnetic waves travel through matter (for example, light through air or glass), they travel a bit slower than this but rarely less than half as fast as in a vacuum.
Electromagnetic radiation (which includes radio waves, light, cosmic rays, etc.) moves through empty space at the speed of 299,792 km per second. Sunshine is a familiar example of electromagnetic radiation that is naturally emitted by the Sun. Starlight is the same thing from Suns that are much farther away. Electromagnetic radiation travels in waves that vibrate at different frequencies. Radio waves are in the range of about 10 kHz (or ten thousand waves per second) to 100 GHz (which is one hundred million vibrations per second).