Applied Math 40S Slides May 10, 2007
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The Browns are considering whether to buy a home for $50,000 with a $5,000 down payment and 15-year, 7.5% mortgage of $45,000, or rent the home for $525 per month. If they buy, the home is expected to appreciate 2% annually while property taxes are 1.5% of the value. Rent will increase 3% annually. After 2 years of ownership, their equity in the home will be calculated. Annual costs of buying are compared to renting after 1 and 10 years. Reasons for renting instead of buying are explored, even if more expensive long-term. Net costs of owning for 10 years versus renting are calculated.
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Applied Math 40S Slides May 9, 2007 - Part 2
Afternoon class. Two review problems and a more involved one comparing the cost/benefit of buying vrs. renting.
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Applied Math 40S Slides May 9, 2007 - Part 2
Afternoon class. Two review problems and a more involved one comparing the cost/benefit of buying vrs. renting.
Applied Math 40S Slides May 11, 2007
Emily is considering two options for obtaining a new $18,752 car: 1) Putting $4,000 down and financing the rest at 2% interest compounded monthly over 3 years, or 2) Leasing the car with no down payment and paying $325 per month for 3 years, then purchasing it for $8,000. Option 1 results in lower monthly payments but higher total cost, while Option 2 has higher monthly payments but lower total cost, saving Emily approximately $500.
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The document advertises an investment property for sale in St. Louis that has already been rehabilitated and could provide monthly cash flow. The 3 bedroom, 1.75 bath single family home at 6142 Jefferson is listed for $79,500, and the owner is willing to finance the purchase with a 20% down payment of $15,900 and monthly loan payments of $433.86, leaving potential rental income of $775 per month that could generate cash flow for the investor.
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Page I 1 ( Compound value solvingor 11) How many year.docx
Page I
1 ( Compound value solving/or 11) How many years will the following take?
a. $500 to grow to $1,419.71 if invested at 11 percent compounded annually
b. $38 to grow to $65. 1 3 if invested at 8 percent compounded annually
c. $ 120 to grow to $523.62 if invested at 12 percent compounded annually
d. $51 to grow to $62.05 if invested at 4 percent compounded annually
a. How many years wil l it take for $500 to grow to $1,419.71 if invested at 11 percent compounded annually?
_ years (Round to the nearest whole number.)
b. How many years will it take for $38 to grow to $65.13 if invested at 8 percent compounded annually?
_ years (Round to the nearest whole number.)
c. How many years will it take for $ 120 to grow to $523.62 i f invested at 12 percent compounded annually?
_ years (Round to the nearest whole number.)
d. How many years will it take for $51 to grow to $62.05 if invested at 4 percent compounded annually?
_ years (Round to the nearest whole number.)
2 . (Present value) What is the present value of the following future amounts?
a. $600 to be received 9 years from now discounted back to the present at 9 percent.
b. $200 to be received 7 years from now discounted back to the present at 7 percent.
c. $1,200 to be received 12 years from now discounted back to the present at 5 percent.
d. $1,200 to be received 5 years from now discounted back to the present at 17 percent.
a. What is the present value of $600 to be received 9 years from now cliscounted back to the present at 9 percent?
$_ (Rou nd to the nearest cent.)
b. What is the present value of $200 to be received 7 years from now discounted back to the present at 7 percent?
$_ (Round to the nearest cent.)
c. What is the present value of $1,200 to be received 12 years from now discounted back to the present at 5 percent ?
$_ (Roun d to the nearest cent.)
d. What is the present value of $1,200 to be received 5 years from now discounted back to the present at 17 percent?
$_ (Rou nd to the nearest cent.)
Page 3
3 . (Future value) Sarah Wiggum would like to make a single lump-sum investment and have $ 1.9 million at the time of her retirement in 26
years. She has found a mutual fund that expects to earn 4 percent annually. How much must Sarah invest today? If Sarah earned an annual
return of 15 percent, how much must she invest today?
a. IfSarah can earn 4 percent annually for the next 26 years; how much will she have to invest today?
$_ (Round to the nearest cent.)
b. If Sarah can earn 15 percent annually for the next 26 years, how much will she have to invest today?
$_ (Round to the nearest cent.)
4 . (Loan amortization ) Mr. Bill S. Preston, Esq., purchased a new house for $ 160,000. He paid $20,000 down and agreed to pay the rest over
the next 10 years in 10 equal end-of-year payments plus 7 percent compound interest on the unpaid balance. What will these equal
payments be?
The e.
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First view this videohttpswww.pbs.orgvideocolumbia-basin.docx
First view this video:
https://www.pbs.org/video/columbia-basin-badger-club-charter-schools-hype-or-hope/
Next, respond to the following questions:
1. List 3 contrasting views put forth by Katie and Mathew and then critically analyze them.
2. What sense did you make of the GW highway analogy that Mathew provides? What was he trying to say?
3. Was there a “weak link” in Mathew’s analogy for public schools?
4. What do you make of the element of “choice” that Katie discusses throughout the video.
5. What are some sources of tension particularly as it relates to funding sources and one other aspect (you may choose from equity, access, accessibility, populations served, teacher unions, accountability) that you could parse from this video.
6. Given what you have learned about this contentious issue in education, what role (if at all) might charter schools play in the landscape of a students’ educational experience?
In this video analysis, you will be viewing a discussion about the pros and cons of charter schools in WA state. You will be examining the topic of charter schools from multiple perspectives. Be sure to provide reasons and evidence to support your statements. Go deep, consider bringing in materials that you have learned from core courses:
(1) Education and Equity in the United States,
(2) Theories of Learning, Culture, and Identity,
(3) Teaching and Learning in a Multicultural Society,
(4) Research and Educational Knowledge
and also any relevant real-life experiences when discussing your responses to the questions listed below.
TIME VALUE OF MONEY: THE BUY VERSUS RENT DECISION
Sean Cleary and Stephen Foerster wrote this case solely to provide material for class discussion. The authors do not intend to illustrate either effective or ineffective handling of a managerial situation. The authors may have disguised certain names and other identifying information to protect confidentiality. This publication may not be transmitted, photocopied, digitized or otherwise reproduced in any form or by any means without the permission of the copyright holder. Reproduction of this material is not covered under authorization by any reproduction rights organization. To order copies or request permission to reproduce materials, contact Ivey Publishing, Ivey Business School, Western University, London, Ontario, Canada, N6G 0N1; (t) 519.661.3208; (e) [email protected]; www.iveycases.com. Copyright © 2014, Richard Ivey School of Business Foundation Version: 2015-06-
In May 2013, Rebecca Young completed her MBA and moved to Toronto for a new job in investment banking. There, she rented a spacious, two-bedroom condominium for $3,000 per month, which included parking but not utilities or cable television. In July 2014, the virtually identical unit next door became available for sale with an asking price of $620,000, and Young believed she could purchase it for $600,000. She realized she was facing the classic buy-versus-rent decision. It was time f.
Question 1. You can earn $40 in interest on a $1,000 deposit for.docx
Question 1.
You can earn $40 in interest on a $1,000 deposit for 8 months. If the EAR is the same regardless of the length of the investment, how much interest will you earn on a
$1,000 deposit for:
a. 2 months.
b. 1 year.
c. 1.5 years.
a. 2-months.
For a 2-month, $1,000 deposit you will earn
$. (Round to the nearest cent).
b. 1-year.
For a 1-year, $1,000 deposit you will earn
$. (Round to the nearest cent).
c. 1.5-years.
For a 1.5-year, $1,000 deposit you will earn
$. (Round to the nearest cent).
Question 2.
You have decided to refinance your mortgage. You plan to borrow whatever is outstanding on your current mortgage. The current monthly payment is $3,053 and you have made every payment on time. The original term of the mortgage was 30 years, and the mortgage is exactly four years and eight months old. You have just made your monthly payment. The mortgage interest rate is 5.798% (APR). How much do you owe on the mortgage today?
The amount you owe today is
$. (Round to the nearest dollar.)
Question 3.
Consider a project that requires an initial investment of $100,000 and will produce a single cash flow of
$150,000 in 5 years.
a. What is the NPV of this project if the 5-year interest rate is 5.0% (EAR)?
b. What is the NPV of this project if the 5-year interest rate is 10.0% (EAR)?
c. What is the highest 5-year interest rate such that this project is still profitable?
a. What is the NPV of this project if the 5-year interest rate is 5.0% (EAR)?
The NPV in this case (EAR equals 5.0 %) is $. (Round to the nearest dollar.)
b. What is the NPV of this project if the 5-year interest rate is 10.0% (EAR)?
The NPV in this case (EAR equals 10.0 %) is $. (Round to the nearest dollar.)
c. What is the highest 5-year interest rate such that this project is still profitable?
The highest EAR such that this project is still profitable is % (Round to two decimal places.)
Question 4.
In the summer of 2008, at Heathrow airport in London, Bestofthebest (BB), a private company, offered a lottery to win a Ferrari or 87,000 British pounds, equivalent at the time to about $174,000. Both the Ferrari and themoney, in 100 pound notes, were on display. If the U.K. interest rate was 4% per year, and the dollar interest rate was 2% per year (EARs), how much did it cost the company in dollars each month to keep the cash on display? That is, what was the opportunity cost of keeping it on display rather than in a bank account? (Ignore taxes.)Hint: Make sure to round all intermediate calculations to at least five decimal places.
The opportunity cost of keeping it on display rather than in a bank account is £ per month. (Round to two decimal places).
Question 5.
A 30-year bond with a face value of $1,000 has a coupon rate of 5.50%, with semiannual payments.
a. What is the coupon payment for this bond?
b. Enter the cash flows for the bond on a timeline
a. What is the coupon payment for this bond?
The coupon pay ...
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In two words, you remember the whole story: glass slipper, sour grapes, cold porridge. You remember more than facts, you recall relationships & deeper connections between characters. Some of the powerful ways we leverage digital for deeper learning includes challenging sources of information (fake news), exploring bias (developing empathy through multiple perspectives), and creating powerful feedback loops that foster deeper learning.
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Similar to Applied Math 40S Slides May 10, 2007
Rent vs buy question
The Walkers are deciding whether to buy a condo for $110,000 with a 6.5% interest rate over 20 years and a $14,000 down payment, which would result in monthly mortgage payments. Or they could rent an apartment for $700 per month and invest the $14,000 down payment in a 5% interest earning GIC. The document asks how much the monthly mortgage payment would be, the equity in the condo after 15 years, total mortgage payments over 15 years, and the net gain or loss of buying vs renting and investing over 15 years to help determine what the Walkers should do.
Applied Math 40S May 14, 2008
The Petri family is considering whether to buy or rent a home valued at $125,000. If they buy, their monthly mortgage payment would be $787.51 with a 25-year, 7.25% mortgage. In the first year of owning, 83.14% of their mortgage payments would go toward interest and 17.42% would reduce the principal. Renting the home for a year would cost $10,500, and the annual rental cost would increase 4% each year.
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This document contains 7 questions related to bond valuation and the efficient market hypothesis for a finance homework assignment. Question 1 asks which observation would contradict the weak form of the efficient market hypothesis. Question 2 asks whether to buy or sell a stock given management ratings. Question 3 asks to calculate the annual coupon rate of a bond given its price and yield to maturity. Question 4 asks how the price of a bond will change over a year given constant yield to maturity.
Page I 1 ( Compound value solvingor 11) How many year.docx
Page I
1 ( Compound value solving/or 11) How many years will the following take?
a. $500 to grow to $1,419.71 if invested at 11 percent compounded annually
b. $38 to grow to $65. 1 3 if invested at 8 percent compounded annually
c. $ 120 to grow to $523.62 if invested at 12 percent compounded annually
d. $51 to grow to $62.05 if invested at 4 percent compounded annually
a. How many years wil l it take for $500 to grow to $1,419.71 if invested at 11 percent compounded annually?
_ years (Round to the nearest whole number.)
b. How many years will it take for $38 to grow to $65.13 if invested at 8 percent compounded annually?
_ years (Round to the nearest whole number.)
c. How many years will it take for $ 120 to grow to $523.62 i f invested at 12 percent compounded annually?
_ years (Round to the nearest whole number.)
d. How many years will it take for $51 to grow to $62.05 if invested at 4 percent compounded annually?
_ years (Round to the nearest whole number.)
2 . (Present value) What is the present value of the following future amounts?
a. $600 to be received 9 years from now discounted back to the present at 9 percent.
b. $200 to be received 7 years from now discounted back to the present at 7 percent.
c. $1,200 to be received 12 years from now discounted back to the present at 5 percent.
d. $1,200 to be received 5 years from now discounted back to the present at 17 percent.
a. What is the present value of $600 to be received 9 years from now cliscounted back to the present at 9 percent?
$_ (Rou nd to the nearest cent.)
b. What is the present value of $200 to be received 7 years from now discounted back to the present at 7 percent?
$_ (Round to the nearest cent.)
c. What is the present value of $1,200 to be received 12 years from now discounted back to the present at 5 percent ?
$_ (Roun d to the nearest cent.)
d. What is the present value of $1,200 to be received 5 years from now discounted back to the present at 17 percent?
$_ (Rou nd to the nearest cent.)
Page 3
3 . (Future value) Sarah Wiggum would like to make a single lump-sum investment and have $ 1.9 million at the time of her retirement in 26
years. She has found a mutual fund that expects to earn 4 percent annually. How much must Sarah invest today? If Sarah earned an annual
return of 15 percent, how much must she invest today?
a. IfSarah can earn 4 percent annually for the next 26 years; how much will she have to invest today?
$_ (Round to the nearest cent.)
b. If Sarah can earn 15 percent annually for the next 26 years, how much will she have to invest today?
$_ (Round to the nearest cent.)
4 . (Loan amortization ) Mr. Bill S. Preston, Esq., purchased a new house for $ 160,000. He paid $20,000 down and agreed to pay the rest over
the next 10 years in 10 equal end-of-year payments plus 7 percent compound interest on the unpaid balance. What will these equal
payments be?
The e.
Applied Math 40S May 13, 2008
The document discusses the costs and considerations for a family deciding whether to buy or rent a home. It provides details on mortgage rates and costs for buying a specific $125,000 home versus renting a comparable property for $875 per month. Calculations show that after 10 years of owning the home, the property value would reach $185,030 but renting costs would be $1,295 per month. The family would have $6,000 equity after buying and over $11,000 after 3 years of mortgage payments.
First view this videohttpswww.pbs.orgvideocolumbia-basin.docx
First view this video:
https://www.pbs.org/video/columbia-basin-badger-club-charter-schools-hype-or-hope/
Next, respond to the following questions:
1. List 3 contrasting views put forth by Katie and Mathew and then critically analyze them.
2. What sense did you make of the GW highway analogy that Mathew provides? What was he trying to say?
3. Was there a “weak link” in Mathew’s analogy for public schools?
4. What do you make of the element of “choice” that Katie discusses throughout the video.
5. What are some sources of tension particularly as it relates to funding sources and one other aspect (you may choose from equity, access, accessibility, populations served, teacher unions, accountability) that you could parse from this video.
6. Given what you have learned about this contentious issue in education, what role (if at all) might charter schools play in the landscape of a students’ educational experience?
In this video analysis, you will be viewing a discussion about the pros and cons of charter schools in WA state. You will be examining the topic of charter schools from multiple perspectives. Be sure to provide reasons and evidence to support your statements. Go deep, consider bringing in materials that you have learned from core courses:
(1) Education and Equity in the United States,
(2) Theories of Learning, Culture, and Identity,
(3) Teaching and Learning in a Multicultural Society,
(4) Research and Educational Knowledge
and also any relevant real-life experiences when discussing your responses to the questions listed below.
TIME VALUE OF MONEY: THE BUY VERSUS RENT DECISION
Sean Cleary and Stephen Foerster wrote this case solely to provide material for class discussion. The authors do not intend to illustrate either effective or ineffective handling of a managerial situation. The authors may have disguised certain names and other identifying information to protect confidentiality. This publication may not be transmitted, photocopied, digitized or otherwise reproduced in any form or by any means without the permission of the copyright holder. Reproduction of this material is not covered under authorization by any reproduction rights organization. To order copies or request permission to reproduce materials, contact Ivey Publishing, Ivey Business School, Western University, London, Ontario, Canada, N6G 0N1; (t) 519.661.3208; (e) [email protected]; www.iveycases.com. Copyright © 2014, Richard Ivey School of Business Foundation Version: 2015-06-
In May 2013, Rebecca Young completed her MBA and moved to Toronto for a new job in investment banking. There, she rented a spacious, two-bedroom condominium for $3,000 per month, which included parking but not utilities or cable television. In July 2014, the virtually identical unit next door became available for sale with an asking price of $620,000, and Young believed she could purchase it for $600,000. She realized she was facing the classic buy-versus-rent decision. It was time f.
Question 1. You can earn $40 in interest on a $1,000 deposit for.docx
Question 1.
You can earn $40 in interest on a $1,000 deposit for 8 months. If the EAR is the same regardless of the length of the investment, how much interest will you earn on a
$1,000 deposit for:
a. 2 months.
b. 1 year.
c. 1.5 years.
a. 2-months.
For a 2-month, $1,000 deposit you will earn
$. (Round to the nearest cent).
b. 1-year.
For a 1-year, $1,000 deposit you will earn
$. (Round to the nearest cent).
c. 1.5-years.
For a 1.5-year, $1,000 deposit you will earn
$. (Round to the nearest cent).
Question 2.
You have decided to refinance your mortgage. You plan to borrow whatever is outstanding on your current mortgage. The current monthly payment is $3,053 and you have made every payment on time. The original term of the mortgage was 30 years, and the mortgage is exactly four years and eight months old. You have just made your monthly payment. The mortgage interest rate is 5.798% (APR). How much do you owe on the mortgage today?
The amount you owe today is
$. (Round to the nearest dollar.)
Question 3.
Consider a project that requires an initial investment of $100,000 and will produce a single cash flow of
$150,000 in 5 years.
a. What is the NPV of this project if the 5-year interest rate is 5.0% (EAR)?
b. What is the NPV of this project if the 5-year interest rate is 10.0% (EAR)?
c. What is the highest 5-year interest rate such that this project is still profitable?
a. What is the NPV of this project if the 5-year interest rate is 5.0% (EAR)?
The NPV in this case (EAR equals 5.0 %) is $. (Round to the nearest dollar.)
b. What is the NPV of this project if the 5-year interest rate is 10.0% (EAR)?
The NPV in this case (EAR equals 10.0 %) is $. (Round to the nearest dollar.)
c. What is the highest 5-year interest rate such that this project is still profitable?
The highest EAR such that this project is still profitable is % (Round to two decimal places.)
Question 4.
In the summer of 2008, at Heathrow airport in London, Bestofthebest (BB), a private company, offered a lottery to win a Ferrari or 87,000 British pounds, equivalent at the time to about $174,000. Both the Ferrari and themoney, in 100 pound notes, were on display. If the U.K. interest rate was 4% per year, and the dollar interest rate was 2% per year (EARs), how much did it cost the company in dollars each month to keep the cash on display? That is, what was the opportunity cost of keeping it on display rather than in a bank account? (Ignore taxes.)Hint: Make sure to round all intermediate calculations to at least five decimal places.
The opportunity cost of keeping it on display rather than in a bank account is £ per month. (Round to two decimal places).
Question 5.
A 30-year bond with a face value of $1,000 has a coupon rate of 5.50%, with semiannual payments.
a. What is the coupon payment for this bond?
b. Enter the cash flows for the bond on a timeline
a. What is the coupon payment for this bond?
The coupon pay ...
Seminar topik bagaimana sewa atau beli rumah di amerika
1. Ronny Budiutama presented on options for renting or buying homes in America, outlining tips for international students applying to rentals, documents needed, finding rentals online, average rental costs, and landlord questions.
2. He also discussed reasons for investing in US real estate now, comparing renting vs buying, loans for foreigners, and the 2012 California housing market update and 2013 forecast.
3. The presentation provided information on rental tips, documents, websites to search, average costs, landlord questions, reasons to invest, rent vs buy comparisons, foreigner loans, and the state market outlook.
Power point
The document summarizes housing market trends in early 2012. It shows that existing home sales remain strong with over 12,500 homes sold daily. Pending home sales and monthly inventory levels are improving. Mortgage rates are near all-time lows and home prices are expected to continue declining in 2012 as the large shadow inventory of distressed homes works through the system, pushing up short sales and foreclosures. However, projections call for a gradual, steady recovery in the housing market supported by job growth and low interest rates.
Applied 40S May 14, 2009
The document discusses calculating the maximum affordable mortgage amount based on income. It provides an example of a woman calculating how much she can afford to spend on a condo based on her annual income of $44,000 and monthly expenses. Using the gross debt service ratio formula of spending no more than 32% of gross income on housing, it is determined she can afford a condo priced at $127,696.49.
Similar to Applied Math 40S Slides May 10, 2007 (10)
Page I 1 ( Compound value solvingor 11) How many year.docx
Page I 1 ( Compound value solvingor 11) How many year.docx
First view this videohttpswww.pbs.orgvideocolumbia-basin.docx
First view this videohttpswww.pbs.orgvideocolumbia-basin.docx
Question 1. You can earn $40 in interest on a $1,000 deposit for.docx
Question 1. You can earn $40 in interest on a $1,000 deposit for.docx
Seminar topik bagaimana sewa atau beli rumah di amerika
Seminar topik bagaimana sewa atau beli rumah di amerika
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学校原件一模一样【微信：741003700 】《(美国Fordham毕业证书)福德汉姆大学毕业证学历证书》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
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一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
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6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Economic Risk Factor Update: June 2024 [SlideShare]
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
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【本科硕士】皇家墨尔本理工大学皇家墨尔本理工大学本科学位证成绩单（GPA修改）；学历认证（教育部认证）；大学Offer录取通知书留信认证使馆认证；雅思语言证书等高仿类证书。
办理流程：
1客户提供办理皇家墨尔本理工大学皇家墨尔本理工大学本科学位证成绩单信息：姓名生日专业学位毕业时间等（如信息不确定可以咨询顾问：我们有专业老师帮你查询）；
2开始安排制作毕业证成绩单电子图；
3毕业证成绩单电子版做好以后发送给您确认；
4毕业证成绩单电子版您确认信息无误之后安排制作成品；
5成品做好拍照或者视频给您确认；
6快递给客户（国内顺丰国外DHLUPS等快读邮寄）
真实网上可查的证明材料
1教育部学历学位认证留服官网真实存档可查永久存档。
2留学回国人员证明（使馆认证）使馆网站真实存档可查。
我们对海外大学及学院的毕业证成绩单所使用的材料尺寸大小防伪结构（包括：皇家墨尔本理工大学皇家墨尔本理工大学本科学位证成绩单隐形水印阴影底纹钢印LOGO烫金烫银LOGO烫金烫银复合重叠。文字图案浮雕激光镭射紫外荧光温感复印防伪）都有原版本文凭对照。质量得到了广大海外客户群体的认可同时和海外学校留学中介做到与时俱进及时掌握各大院校的（毕业证成绩单资格证结业证录取通知书在读证明等相关材料）的版本更新信息能够在第一时间掌握最新的海外学历文凭的样版尺寸大小纸张材质防伪技术等等并在第一时间收集到原版实物以求达到客户的需求。
本公司还可以按照客户原版印刷制作且能够达到客户理想的要求。有需要办理证件的客户请联系我们在线客服中心微信：95270640 或咨询在线父亲的家很狭小除了一张单人床和一张小方桌几乎没有多余的空间山娃一下子就联想起学校的男小便处山娃很想笑却怎么也笑不出来山娃很迷惑父亲的家除了一扇小铁门连窗户也没有墓穴一般阴森森有些骇人父亲的城也便成了山娃的城父亲的家也便成了山娃的家父亲让山娃呆在屋里做作业看电视最多只能在门口透透气不能跟陌生人搭腔更不能乱跑一怕迷路二怕拐子拐人山娃很惊惧去年村里的田鸡就因为跟父亲进城一不小心被人拐跑了至今不见踪影害不
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办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
Fabular Frames and the Four Ratio Problem
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
Using Online job postings and survey data to understand labour market trends
Using Online job postings and survey data to understand labour market trendsLabour Market Information Council | Conseil de l’information sur le marché du travail
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.What's a worker’s market? Job quality and labour market tightness
What's a worker’s market? Job quality and labour market tightnessLabour Market Information Council | Conseil de l’information sur le marché du travail
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.Does teamwork really matter? Looking beyond the job posting to understand lab...
Does teamwork really matter? Looking beyond the job posting to understand lab...Labour Market Information Council | Conseil de l’information sur le marché du travail
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdf
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
1比1复刻(ksu毕业证书)美国堪萨斯州立大学毕业证本科文凭证书原版一模一样
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【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信bwp0011】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信bwp0011】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
Machine Learning in Business - A power point presentation.pptx
Power point presentation on machine learning.
How to Use Payment Vouchers in Odoo 18.
Every business, big or small, deals with outgoing payments. Whether it’s to suppliers for inventory, to employees for salaries, or to vendors for services rendered, keeping track of these expenses is crucial. This is where payment vouchers come in – the unsung heroes of the accounting world.
Who Is Abhay Bhutada, MD of Poonawalla Fincorp
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
falcon-invoice-discounting-a-premier-investment-platform-for-superior-returns...
falcon-invoice-discounting-a-premier-investment-platform-for-superior-returns...Falcon Invoice Discounting
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.在线办理(UMASS毕业证书)马萨诸塞大学阿默斯特分校毕业证完成信一模一样
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四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
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◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
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Applied Math 40S Slides May 10, 2007
- 1. Rent or Buy? A Case Study ... The Browns have an opportunity to buy a home valued at $50 000 with a down payment of $5000 and a mortgage of $45 000, or rent the home for $525 per month. If they buy, they will get a 15-year mortgage at 7.5%. Annual property taxes are approximately 1.5% of the market value (i.e. the sale price) of the home. They expect their home to appreciate in value by about 2% per year. (That is, it will become 2% MORE VALUABLE each year. If it is worth $100 this year, next year it will be worth $102 and the year after that it would be worth $104.04.) If they rent, their rental payments will increase by 3% each year, and they expect to get a 7% annual return on their investment of the $5000 they did not use as a down payment.
- 4. (a) What is the size of the monthly mortgage payment?
- 5. (b) What will their equity be in the home after two years of ownership?
- 6. (c) After one year, how does the cost of payments plus property taxes compare with the cost of rental payments?
- 7. (d) After 10 years, how does the annual cost of payments plus property taxes compare with the annual cost of rental payments?
- 8. (d) After 10 years, how does the annual cost of payments plus property taxes compare with the annual cost of rental payments?
- 9. (d) After 10 years, how does the annual cost of payments plus property taxes compare with the annual cost of rental payments? (e) What might be some reasons for the Brown family to rent instead of buy - even though renting seems to be more expensive in the long run? (f) What is the net cost of owning the home for 10 years? Of renting for 10 years?