Patricia
M3_A1 Interest rates Discussion
General Education Mathematics
MAT109
Professor Mary Troy
Okay despite the great example provided by Professor Troy, I am still a bit apprehensive about my understanding of what is expected in this week’s discussion assignment, so I hope it is understandable and correct.
I. How is consumer debt different today than in the past?
According to a couple of different articles that I read, and the U.S. Federal reserve website U.S. Debt is at an all-time high. In the article posted on Time.com titled “Overall debt levels rose at the fastest rates seen since 2007, according to a new study by the Federal Reserve of New York” this article states that “within the last three months of 2013 U.S. debt had an increase of 2.1% this is said to be the highest rate of increase since 2011 and this debt includes mortgages, auto loans, student loans, and credit card debt” (Frizell, 2014). This information makes me wonder what is contributing to this rise in debt across America, is it due to an increase in unemployment, or a lack of financial common sense. Not that I am one to talk about others debt being that I have a car loan, a mortgage, and of course student loans, but I have taken pride in making certain that my debts have achievable end dates in fact my mortgage and car loan currently only have 3 ½ years left. I do admit I have a credit card, however it is for emergencies only and thankfully there have been no big emergencies that have required its use, I guess I just have a hard time understanding how our nation can possibly get so far into debt with little hope of paying it back. And I think I have got a bit off track here so let’s move on.
*After the references I have included the table that I found from the Federal Reserve.
II. What role do interest rates play in mounting consumer debt?
This is another are I am out of my depths in and so I am going to wing it a bit. I suppose that when a credit card company offers a consumer a credit card with and initial low interest rate it draws them in and once they end up in over their heads the interest rate increases making it difficult to pay back the amount that has been put onto the credit card. This I think puts the consumer in a place where they are getting deeper and deeper into debt, while the credit card companies make more income.
I suppose another way this could be said is that while interest rates are low people are more likely to take out loans because they will have less interest to pay back this can be very appealing to someone who is looking to purchase a home, a car, to get a student loan, or to get a credit card so that they can buy things that they otherwise couldn’t afford to buy. Unfortunately rates don’t always stay low and that is where the consumer tends to get into trouble.
So that bring me to the effect that all of this debt can have on the economy, when people borrow more and more from banks especially in times of poor ec.
The document provides tips for improving financial wellness and independence, including paying off debt. It discusses the average amount of debt Americans hold ($52,940), broken down by type and demographics. It recommends creating a repayment plan, prioritizing debts from highest to lowest interest rate, and considering debt consolidation or refinancing while interest rates are low to reduce costs and make progress paying off debt. Building an emergency fund and living debt-free are also presented as important steps toward financial independence.
This document provides information about credit scores and how to improve them. It discusses what factors affect credit scores, such as payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%) and types of credit used (10%). It recommends ways to boost your score, like always paying bills on time, keeping credit utilization low, paying balances in full each month, and maintaining a variety of older credit accounts. The document also addresses how credit counseling, inquiries and negative information impact credit scores over time.
Credit scores are a grade given to individuals based on how reliably they pay debts and borrowings. They are determined by factors like outstanding debts, payment history, income, and past borrowing behavior. Credit agencies like Equifax, TransUnion, and Experian collect individuals' credit transactions and payment records to calculate credit scores. Credit scores are important because they can determine if someone is approved or rejected for loans, mortgages, and other forms of borrowing.
This document provides tips for taking out a loan, beginning with definitions of loans and the types of loans available. It identifies four key tips: 1) Debt can be both good and bad, explaining the differences. 2) Consider carefully the purpose of the loan and your ability to repay it. 3) Understand how your credit score affects your ability to get a loan. 4) Check your credit score and report to ensure you are aware of your creditworthiness before applying for a loan. The document emphasizes understanding the costs and risks of loans to determine if borrowing money is justified.
This document provides an overview of credit scoring and its importance. It discusses the five factors that determine a credit score, including payment history, credit utilization, credit history length, credit mix, and number of inquiries. A low credit score can significantly increase interest rates on loans like mortgages, costing borrowers thousands over the life of the loan. It also outlines tips for improving credit scores, such as paying bills on time, keeping credit utilization low, and maintaining a mix of different credit types. The document emphasizes the importance of not making changes to credit reports or applying for new credit during the loan application process.
Mortgage rates beginner's_guide-maria arruaMaria A. Arrua
The document provides an overview of mortgages, including what a mortgage is, different types of mortgages and mortgage rates, how to find the best mortgage rates, what mortgage rate lock-in is, and how changing mortgage rates can affect homeowners. It serves as a beginner's guide to understanding mortgages and making informed decisions when taking out a home loan.
The document provides tips for improving financial wellness and independence, including paying off debt. It discusses the average amount of debt Americans hold ($52,940), broken down by type and demographics. It recommends creating a repayment plan, prioritizing debts from highest to lowest interest rate, and considering debt consolidation or refinancing while interest rates are low to reduce costs and make progress paying off debt. Building an emergency fund and living debt-free are also presented as important steps toward financial independence.
This document provides information about credit scores and how to improve them. It discusses what factors affect credit scores, such as payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%) and types of credit used (10%). It recommends ways to boost your score, like always paying bills on time, keeping credit utilization low, paying balances in full each month, and maintaining a variety of older credit accounts. The document also addresses how credit counseling, inquiries and negative information impact credit scores over time.
Credit scores are a grade given to individuals based on how reliably they pay debts and borrowings. They are determined by factors like outstanding debts, payment history, income, and past borrowing behavior. Credit agencies like Equifax, TransUnion, and Experian collect individuals' credit transactions and payment records to calculate credit scores. Credit scores are important because they can determine if someone is approved or rejected for loans, mortgages, and other forms of borrowing.
This document provides tips for taking out a loan, beginning with definitions of loans and the types of loans available. It identifies four key tips: 1) Debt can be both good and bad, explaining the differences. 2) Consider carefully the purpose of the loan and your ability to repay it. 3) Understand how your credit score affects your ability to get a loan. 4) Check your credit score and report to ensure you are aware of your creditworthiness before applying for a loan. The document emphasizes understanding the costs and risks of loans to determine if borrowing money is justified.
This document provides an overview of credit scoring and its importance. It discusses the five factors that determine a credit score, including payment history, credit utilization, credit history length, credit mix, and number of inquiries. A low credit score can significantly increase interest rates on loans like mortgages, costing borrowers thousands over the life of the loan. It also outlines tips for improving credit scores, such as paying bills on time, keeping credit utilization low, and maintaining a mix of different credit types. The document emphasizes the importance of not making changes to credit reports or applying for new credit during the loan application process.
Mortgage rates beginner's_guide-maria arruaMaria A. Arrua
The document provides an overview of mortgages, including what a mortgage is, different types of mortgages and mortgage rates, how to find the best mortgage rates, what mortgage rate lock-in is, and how changing mortgage rates can affect homeowners. It serves as a beginner's guide to understanding mortgages and making informed decisions when taking out a home loan.
Write a 5-7 page paper describing the historical development of info.docxherbertwilson5999
Healthcare informatics has evolved over time with different types of systems emerging to manage health information. Properly handling personal health data requires ethical expertise. Today's integrated delivery systems rely on informatics to coordinate complex care across settings while protecting privacy.
Write a 5 paragraph essay related to the healthcare fieldthree.docxherbertwilson5999
Write a 5 paragraph essay related to the healthcare field/three major points are required
Use a variety of sentences
Use transitional words
Use in-text citations to avoid plagiarism
Remember to hand it in with a cover and a reference page
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Write at least a six-page paper, in which youIdentify the.docxherbertwilson5999
Write at least a six-page paper, in which you:
Identify the two LDCs (from the provided list), which you will compare and assess. Explain why you chose these two countries. (Congo and Philippines)
Analyze the features that the LDCs have in common using at least five of the following nine factors (clearly label the five factors using headings):
Geography.
Extractive institutions.
Governmental corruption.
Internal or external conflicts.
Shaky financial systems.
Unfair judicial systems.
Ethnic, racial, or tribal disparities.
Lack or misuse of natural resources.
Closed (statist) economies.
Use at least seven credible sources. Wikipedia, encyclopedias, dictionaries, and blogs do not qualify as reputable academic source work at the college level. Do not use sources that are older than seven years.
.
Write a 2 page paper analyzing the fact pattern scenario below. Plea.docxherbertwilson5999
Write a 2 page paper analyzing the fact pattern scenario below. Please use your own state law. Your analysis should include application of the topics covered during the past 7 weeks. For example, search and seizure, search warrant, execution of warrant, exclusionary rule, Miranda rights, and the right against self incrimination.
Make sure all citations are in APA or Blue book format.
Please see the attached grading rubric below. This grading rubric will be used to grade this assignment.
Leila is a police officer. She is out of uniform and knocked on Dan's front door of his house and asked if she could enter to enforce a warrant she had. The warrant was a search warrant issued by a magistrate at the Lawrence District Court. His name is Mark McCale, a retired police officer for the state police department in Lawrence. The warrant indicated that "the first floor of Dan's house will be searched for a gun used in connection with a robbery and some jewelry, which was stolen." While looking in Dan's house, Officer Leila smelled what she thought to be gun powder emanating from the second floor. Officer Leila immediately walked upstairs and found a gun at the tops of the stairs. She went to confiscate the gun and while doing so noticed a note attached to the gun with an address on it. Later that afternoon police officers went to the address of the house listed on the note of the gun. Jewelry was found at this address and collected by the police officers. The address was a known address for stolen jewelry to be pawned. While at Dan's house, Dan told Officer Leila that, "I do not know what you are here for, because I did not rob Terri Grubb's jewelry store." Officer Leila asked Dan to go to the police station and Dan agreed. As they walked into the police station, Magistrate McCale yelled, "is that the person who robbed Terri Grubb's jewelry store?!" Dan replied, "I told Officer Leila already, I did not rob Terri Grubb's jewelry store."
Supporting Materials
Week 8 Assignment Grading Rubric.docx
(14 KB)
.
Write a 2 page paper analyzing the fact pattern scenario below. .docxherbertwilson5999
Write a 2 page paper analyzing the fact pattern scenario below. Please use your own state law. Your analysis should include application of the topics covered during the past 7 weeks. For example, search and seizure, search warrant, execution of warrant, exclusionary rule, Miranda rights, and the right against self incrimination.
Make sure all citations are in APA or Blue book format.
Please see the attached grading rubric below. This grading rubric will be used to grade this assignment.
Leila is a police officer. She is out of uniform and knocked on Dan's front door of his house and asked is should could enter to enforce a warrant she had. The warrant was a search warrant issued by a magistrate at the Lawrence District Court. His name is Mark McCale, a retired police officer for the state police department in Lawrence. The warrant indicated that "the first floor of Dan's house will be searched for a gun used in connection with a robbery and some jewelry, which was stolen." While looking in Dan's house, Officer Leila smelled what she thought to be gun powder emanating from the second floor. Officer Leila immediately walked upstairs and found a gun at the tops of the stairs. She went to confiscate the gun and while doing so noticed a note attached to the gun with an address on it. Later that afternoon police officers went to the address of the house listed on the note of the gun. A bunch of jewelry was found at this address and collected by the police officers. The address was a known address for stolen jewelry to be pawned. While at Dan's house, Dan told Officer Leila that, "I do not know what you are here for, because I did not rob the Terri Grubb's jewelry store." Officer Leila asked Dan to go to the police station and Dan agreed. As they walked into the police station, Magistrate McCale yelled, "is that the person who robbed Terri Grubb's jewelry store?!" Dan replied, "I told Officer Leila already, I did not rob the Terri Grubb's jewelry store."
.
Write a 100-word response in Spanish that addresses both of .docxherbertwilson5999
Write a
100
-word response in
Spanish
that addresses both of the following questions:
1.
What are some of the distinctive characteristics that make Costa Rica a haven for naturalists and environmentalists?
2.
What are some of the steps that the government, private sector and individuals are doing to maintain the balance between man and nature?
.
Write a Request for Proposal (approx. 3 - 4 pages in a word doc.docxherbertwilson5999
The document provides guidance on creating a Request for Proposal (RFP) that is approximately 3-4 pages. It lists 9 key elements that should be included in an effective RFP: 1) a clear statement of work with deliverables, 2) a timeline for proposal submission, 3) how questions will be handled, 4) information for vendors to develop a cost proposal, 5) a project timeline and milestones, 6) the type of contract, 7) evaluation criteria, 8) an outline and format for proposals, and 9) a scheduled award date. Submitters are asked to write an RFP that incorporates these elements and submit the PMP template for Section 8.
Write a 5 paragraph essay related to Physical Therapy Assistant th.docxherbertwilson5999
Write a 5 paragraph essay related to Physical Therapy Assistant /three major points are required
Use a variety of sentences
Use transitional words
Use in-text citations to avoid plagiarism
Include a cover and a reference page
Minimal of three sources
.
Write a 5 page paper with at-least three images that represent.docxherbertwilson5999
Write a 5 page paper with at-least three images that represent the African American Visual Arts Movement (discuss artists, art, historical information . Give background information, characteristics and style. Analyze each work of art. Do not forget to list at-least three sources used to assist in writing paper, APA format guidelines. Place appropriate captions under each image.
Fragments of African American Art
Contemporary Art
Surrealism
Realism
OR
After reviewing the videos below and researching , write a two page paper on the
challenges of
African American VISUAL Artists
and other professional minority visual artists through out history and up to the present day
. Use a minimum of 5 references that will assist you in writing your paper.
https://www.youtube.com/watch?v=u8kg8xzJNt8
.
Write a 5 paragraph essay related to the healthcare fieldthree maj.docxherbertwilson5999
Write a 5 paragraph essay related to the healthcare field/three major points are required
Use a variety of sentences
Use transitional words
Use in-text citations to avoid plagiarism
Remember to hand it in with a cover and a reference page
.
Write at least Ten sentences on your discussion. Compare and con.docxherbertwilson5999
Write at least Ten sentences on your discussion.
Compare and contrast the California economy of the Great Depression and the California economy of World War II. Which industries were prevalent during the war and why was California's location/geography so important?
.
Write at least a three-page analysis using the case study on pages.docxherbertwilson5999
This document provides instructions and examples for students to write posts discussing similarities and differences between the current COVID-19 pandemic and past pandemics like the 1918 influenza pandemic and 2009 H1N1 pandemic. Students are asked to write three original posts making comparisons and commenting on five other student posts. The examples provided compare transmission methods and case numbers between COVID-19 and H1N1. References must be included. The document also provides questions for students to respond to in writing assignments on global leadership and managing corporations internationally while considering cultural differences.
Write at least a six-page paper, in which you Identify th.docxherbertwilson5999
Write at least a six-page paper, in which you:
Identify the two LDCs (from the list above), which you will compare and assess. Explain why you chose these two countries.
Analyze the features that the LDCs have in common using
at least five of the following nine factors
(clearly label the five factors using headings):
geography
extractive institutions
governmental corruption
internal or external conflicts
shaky financial systems
unfair judicial systems
ethnic, racial or tribal disparities
lack or misuse of natural resources
closed (statist) economies
Use
at least seven credible sources
. Wikipedia, encyclopedias, dictionaries, blogs and other material that does not qualify as reputable academic source work at the college level. Do not use sources that are older than seven years.
.
Write at least a paragraph for each.1) What is your understand.docxherbertwilson5999
Write at least a paragraph for each.
1) What is your understanding of how a 401(k) plan works? What are the advantages/disadvantages for an employer/employee?
2) What three major types of benefits do contributions to Social Security pay for?
3) What are the employee benefits required by law?
*Use APA format please! and cite accordingly!
.
Write at least 500 words analyzing a subject you find in this .docxherbertwilson5999
Write at least 500 words analyzing a subject you find in this
article
related to a threat to confidentiality, integrity, or availability of data. Use an example from the news.
Include at least one quote from 3 articles, place them in quotation marks and cite in-line (as all work copied from another should be handled).
Cite your sources in a reference list at the end. Do not copy without providing proper attribution (quotation marks and in-line citations). Write in essay format not in bulleted, numbered or other list format
.
Write at least 750 words paper on Why is vulnerability assessme.docxherbertwilson5999
Write at least 750 words paper on “Why is vulnerability assessment critical for data security?” And also prepare twelve minutes or more presentations on this topic by adding notes under each slide. with a separate reference list of at least 3 academically appropriate sources. Provide appropriate attribution. It is important that you use your own words, that you cite your sources, that you comply with the instructions regarding the length of your post. Do not use spinbot or other word replacement software. It usually results in nonsense and is not a good way to learn anything.
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Write As if You Are Writing in Your Journal (1st Person)Your T.docxherbertwilson5999
**Write As if You Are Writing in Your Journal (1st Person)
Your Thoughts And Intentions.
What challenges do you face (i.e., bad habits, weaknesses, etc.) that you need to address to move forward as a leader? How can you begin to address them? (Be sure to make personal application and make it practical).
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Write an original, Scholarly Paper, addressing a topic relevant to t.docxherbertwilson5999
Write an original, Scholarly Paper, addressing a topic relevant to the course. A scholarly paper should demonstrate a standard of critical thinking at levels of analysis, evaluation, and synthesis. Be sure to use and cite references that meet the standard for scholarship.
.
Write an observation essay that explains the unique significance.docxherbertwilson5999
Write an
observation essay
that explains the unique significance of a particular person or place within a larger community. Describe the person or place through vivid description, narration, dialogue and sensory details. Help others outside of your community understand why the person or place is important to the community.
Assignment
Observation
, as the CEL describes it, requires writers to "study their subjects and learn something by seeing them in a particular way" (93). Observation essays do more than just report facts: they also "find the hidden meaning, the significant issues, and the important aspects of a particular subject" (93).
Your purpose in this Observation Essay is to
convey the significance of a particular person or place in your community through details that show how the subject "fits" within the community's priorities and values
. Your descriptions and details should make it easy for someone unfamiliar with your community to understand why the person or place you chose is relevant and significant to the community.
*Note: although this essay is intended to be based in recent, firsthand observations, you may write from recent memories instead if you are restricted in travel and mobility during the COVID pandemic. If you are writing from memories, try to recreate scenes and descriptions as though you are seeing them again for the first time.
In order to achieve this purpose, you need to:
Observe and Take field notes. Begin with observing the person or place and writing down notes about what you see, hear, and sense. Plan to observe this person or place 2-3 times. In your notes, record specific actions that you notice, dialogue you overhear, interactions you have with other people, and any important details about the scene that might help you SHOW its significance through vivid detail and narration.
Describe the person or place through actions, details, and dialogue that offer
insight
into why this person or place has unique
significance
as an important part of the community.
Explain context and background that shows how the person or place matters within the larger community. Context might include history, factual information, anecdotes, geographical information, or other details that help an audience understand the person or place as part of something bigger than themselves/itself.
Follow a carefully planned organizational structure that gives priority to specific details, themes, and values. Your final draft should be organized to show the significance of the person or place and should not simply list details in the order you observed them.
Offer a strong introduction that hooks readers with vivid details or action and focuses attention on the significance of the subject. Provide a strong conclusion that
As you look back over your observations and notes, remember that your essay should do more than simply relate details without any larger significance. Your observation of the person or place should .
Write an introduction in APA format in about 2 pages to describe.docxherbertwilson5999
Write an introduction in APA format in about 2 pages to describe any bank organization – its background etc. Then explain how data science and big data is useful for the back.
Also explain the IT team dynamics in the organization I.e. all the positions that are in the IT team of the bank developers, project managers etc.
Also explain how the company uses the agile model in the workflow for the data science projects.
Explain what is structured and unstructured data. What the sources of structured and unstructured data in a bank and what are the sources of these data.
Please provide at least 3-4 in text citation and references.
.
Write a 5-7 page paper describing the historical development of info.docxherbertwilson5999
Healthcare informatics has evolved over time with different types of systems emerging to manage health information. Properly handling personal health data requires ethical expertise. Today's integrated delivery systems rely on informatics to coordinate complex care across settings while protecting privacy.
Write a 5 paragraph essay related to the healthcare fieldthree.docxherbertwilson5999
Write a 5 paragraph essay related to the healthcare field/three major points are required
Use a variety of sentences
Use transitional words
Use in-text citations to avoid plagiarism
Remember to hand it in with a cover and a reference page
.
Write at least a six-page paper, in which youIdentify the.docxherbertwilson5999
Write at least a six-page paper, in which you:
Identify the two LDCs (from the provided list), which you will compare and assess. Explain why you chose these two countries. (Congo and Philippines)
Analyze the features that the LDCs have in common using at least five of the following nine factors (clearly label the five factors using headings):
Geography.
Extractive institutions.
Governmental corruption.
Internal or external conflicts.
Shaky financial systems.
Unfair judicial systems.
Ethnic, racial, or tribal disparities.
Lack or misuse of natural resources.
Closed (statist) economies.
Use at least seven credible sources. Wikipedia, encyclopedias, dictionaries, and blogs do not qualify as reputable academic source work at the college level. Do not use sources that are older than seven years.
.
Write a 2 page paper analyzing the fact pattern scenario below. Plea.docxherbertwilson5999
Write a 2 page paper analyzing the fact pattern scenario below. Please use your own state law. Your analysis should include application of the topics covered during the past 7 weeks. For example, search and seizure, search warrant, execution of warrant, exclusionary rule, Miranda rights, and the right against self incrimination.
Make sure all citations are in APA or Blue book format.
Please see the attached grading rubric below. This grading rubric will be used to grade this assignment.
Leila is a police officer. She is out of uniform and knocked on Dan's front door of his house and asked if she could enter to enforce a warrant she had. The warrant was a search warrant issued by a magistrate at the Lawrence District Court. His name is Mark McCale, a retired police officer for the state police department in Lawrence. The warrant indicated that "the first floor of Dan's house will be searched for a gun used in connection with a robbery and some jewelry, which was stolen." While looking in Dan's house, Officer Leila smelled what she thought to be gun powder emanating from the second floor. Officer Leila immediately walked upstairs and found a gun at the tops of the stairs. She went to confiscate the gun and while doing so noticed a note attached to the gun with an address on it. Later that afternoon police officers went to the address of the house listed on the note of the gun. Jewelry was found at this address and collected by the police officers. The address was a known address for stolen jewelry to be pawned. While at Dan's house, Dan told Officer Leila that, "I do not know what you are here for, because I did not rob Terri Grubb's jewelry store." Officer Leila asked Dan to go to the police station and Dan agreed. As they walked into the police station, Magistrate McCale yelled, "is that the person who robbed Terri Grubb's jewelry store?!" Dan replied, "I told Officer Leila already, I did not rob Terri Grubb's jewelry store."
Supporting Materials
Week 8 Assignment Grading Rubric.docx
(14 KB)
.
Write a 2 page paper analyzing the fact pattern scenario below. .docxherbertwilson5999
Write a 2 page paper analyzing the fact pattern scenario below. Please use your own state law. Your analysis should include application of the topics covered during the past 7 weeks. For example, search and seizure, search warrant, execution of warrant, exclusionary rule, Miranda rights, and the right against self incrimination.
Make sure all citations are in APA or Blue book format.
Please see the attached grading rubric below. This grading rubric will be used to grade this assignment.
Leila is a police officer. She is out of uniform and knocked on Dan's front door of his house and asked is should could enter to enforce a warrant she had. The warrant was a search warrant issued by a magistrate at the Lawrence District Court. His name is Mark McCale, a retired police officer for the state police department in Lawrence. The warrant indicated that "the first floor of Dan's house will be searched for a gun used in connection with a robbery and some jewelry, which was stolen." While looking in Dan's house, Officer Leila smelled what she thought to be gun powder emanating from the second floor. Officer Leila immediately walked upstairs and found a gun at the tops of the stairs. She went to confiscate the gun and while doing so noticed a note attached to the gun with an address on it. Later that afternoon police officers went to the address of the house listed on the note of the gun. A bunch of jewelry was found at this address and collected by the police officers. The address was a known address for stolen jewelry to be pawned. While at Dan's house, Dan told Officer Leila that, "I do not know what you are here for, because I did not rob the Terri Grubb's jewelry store." Officer Leila asked Dan to go to the police station and Dan agreed. As they walked into the police station, Magistrate McCale yelled, "is that the person who robbed Terri Grubb's jewelry store?!" Dan replied, "I told Officer Leila already, I did not rob the Terri Grubb's jewelry store."
.
Write a 100-word response in Spanish that addresses both of .docxherbertwilson5999
Write a
100
-word response in
Spanish
that addresses both of the following questions:
1.
What are some of the distinctive characteristics that make Costa Rica a haven for naturalists and environmentalists?
2.
What are some of the steps that the government, private sector and individuals are doing to maintain the balance between man and nature?
.
Write a Request for Proposal (approx. 3 - 4 pages in a word doc.docxherbertwilson5999
The document provides guidance on creating a Request for Proposal (RFP) that is approximately 3-4 pages. It lists 9 key elements that should be included in an effective RFP: 1) a clear statement of work with deliverables, 2) a timeline for proposal submission, 3) how questions will be handled, 4) information for vendors to develop a cost proposal, 5) a project timeline and milestones, 6) the type of contract, 7) evaluation criteria, 8) an outline and format for proposals, and 9) a scheduled award date. Submitters are asked to write an RFP that incorporates these elements and submit the PMP template for Section 8.
Write a 5 paragraph essay related to Physical Therapy Assistant th.docxherbertwilson5999
Write a 5 paragraph essay related to Physical Therapy Assistant /three major points are required
Use a variety of sentences
Use transitional words
Use in-text citations to avoid plagiarism
Include a cover and a reference page
Minimal of three sources
.
Write a 5 page paper with at-least three images that represent.docxherbertwilson5999
Write a 5 page paper with at-least three images that represent the African American Visual Arts Movement (discuss artists, art, historical information . Give background information, characteristics and style. Analyze each work of art. Do not forget to list at-least three sources used to assist in writing paper, APA format guidelines. Place appropriate captions under each image.
Fragments of African American Art
Contemporary Art
Surrealism
Realism
OR
After reviewing the videos below and researching , write a two page paper on the
challenges of
African American VISUAL Artists
and other professional minority visual artists through out history and up to the present day
. Use a minimum of 5 references that will assist you in writing your paper.
https://www.youtube.com/watch?v=u8kg8xzJNt8
.
Write a 5 paragraph essay related to the healthcare fieldthree maj.docxherbertwilson5999
Write a 5 paragraph essay related to the healthcare field/three major points are required
Use a variety of sentences
Use transitional words
Use in-text citations to avoid plagiarism
Remember to hand it in with a cover and a reference page
.
Write at least Ten sentences on your discussion. Compare and con.docxherbertwilson5999
Write at least Ten sentences on your discussion.
Compare and contrast the California economy of the Great Depression and the California economy of World War II. Which industries were prevalent during the war and why was California's location/geography so important?
.
Write at least a three-page analysis using the case study on pages.docxherbertwilson5999
This document provides instructions and examples for students to write posts discussing similarities and differences between the current COVID-19 pandemic and past pandemics like the 1918 influenza pandemic and 2009 H1N1 pandemic. Students are asked to write three original posts making comparisons and commenting on five other student posts. The examples provided compare transmission methods and case numbers between COVID-19 and H1N1. References must be included. The document also provides questions for students to respond to in writing assignments on global leadership and managing corporations internationally while considering cultural differences.
Write at least a six-page paper, in which you Identify th.docxherbertwilson5999
Write at least a six-page paper, in which you:
Identify the two LDCs (from the list above), which you will compare and assess. Explain why you chose these two countries.
Analyze the features that the LDCs have in common using
at least five of the following nine factors
(clearly label the five factors using headings):
geography
extractive institutions
governmental corruption
internal or external conflicts
shaky financial systems
unfair judicial systems
ethnic, racial or tribal disparities
lack or misuse of natural resources
closed (statist) economies
Use
at least seven credible sources
. Wikipedia, encyclopedias, dictionaries, blogs and other material that does not qualify as reputable academic source work at the college level. Do not use sources that are older than seven years.
.
Write at least a paragraph for each.1) What is your understand.docxherbertwilson5999
Write at least a paragraph for each.
1) What is your understanding of how a 401(k) plan works? What are the advantages/disadvantages for an employer/employee?
2) What three major types of benefits do contributions to Social Security pay for?
3) What are the employee benefits required by law?
*Use APA format please! and cite accordingly!
.
Write at least 500 words analyzing a subject you find in this .docxherbertwilson5999
Write at least 500 words analyzing a subject you find in this
article
related to a threat to confidentiality, integrity, or availability of data. Use an example from the news.
Include at least one quote from 3 articles, place them in quotation marks and cite in-line (as all work copied from another should be handled).
Cite your sources in a reference list at the end. Do not copy without providing proper attribution (quotation marks and in-line citations). Write in essay format not in bulleted, numbered or other list format
.
Write at least 750 words paper on Why is vulnerability assessme.docxherbertwilson5999
Write at least 750 words paper on “Why is vulnerability assessment critical for data security?” And also prepare twelve minutes or more presentations on this topic by adding notes under each slide. with a separate reference list of at least 3 academically appropriate sources. Provide appropriate attribution. It is important that you use your own words, that you cite your sources, that you comply with the instructions regarding the length of your post. Do not use spinbot or other word replacement software. It usually results in nonsense and is not a good way to learn anything.
.
Write As if You Are Writing in Your Journal (1st Person)Your T.docxherbertwilson5999
**Write As if You Are Writing in Your Journal (1st Person)
Your Thoughts And Intentions.
What challenges do you face (i.e., bad habits, weaknesses, etc.) that you need to address to move forward as a leader? How can you begin to address them? (Be sure to make personal application and make it practical).
.
Write an original, Scholarly Paper, addressing a topic relevant to t.docxherbertwilson5999
Write an original, Scholarly Paper, addressing a topic relevant to the course. A scholarly paper should demonstrate a standard of critical thinking at levels of analysis, evaluation, and synthesis. Be sure to use and cite references that meet the standard for scholarship.
.
Write an observation essay that explains the unique significance.docxherbertwilson5999
Write an
observation essay
that explains the unique significance of a particular person or place within a larger community. Describe the person or place through vivid description, narration, dialogue and sensory details. Help others outside of your community understand why the person or place is important to the community.
Assignment
Observation
, as the CEL describes it, requires writers to "study their subjects and learn something by seeing them in a particular way" (93). Observation essays do more than just report facts: they also "find the hidden meaning, the significant issues, and the important aspects of a particular subject" (93).
Your purpose in this Observation Essay is to
convey the significance of a particular person or place in your community through details that show how the subject "fits" within the community's priorities and values
. Your descriptions and details should make it easy for someone unfamiliar with your community to understand why the person or place you chose is relevant and significant to the community.
*Note: although this essay is intended to be based in recent, firsthand observations, you may write from recent memories instead if you are restricted in travel and mobility during the COVID pandemic. If you are writing from memories, try to recreate scenes and descriptions as though you are seeing them again for the first time.
In order to achieve this purpose, you need to:
Observe and Take field notes. Begin with observing the person or place and writing down notes about what you see, hear, and sense. Plan to observe this person or place 2-3 times. In your notes, record specific actions that you notice, dialogue you overhear, interactions you have with other people, and any important details about the scene that might help you SHOW its significance through vivid detail and narration.
Describe the person or place through actions, details, and dialogue that offer
insight
into why this person or place has unique
significance
as an important part of the community.
Explain context and background that shows how the person or place matters within the larger community. Context might include history, factual information, anecdotes, geographical information, or other details that help an audience understand the person or place as part of something bigger than themselves/itself.
Follow a carefully planned organizational structure that gives priority to specific details, themes, and values. Your final draft should be organized to show the significance of the person or place and should not simply list details in the order you observed them.
Offer a strong introduction that hooks readers with vivid details or action and focuses attention on the significance of the subject. Provide a strong conclusion that
As you look back over your observations and notes, remember that your essay should do more than simply relate details without any larger significance. Your observation of the person or place should .
Write an introduction in APA format in about 2 pages to describe.docxherbertwilson5999
Write an introduction in APA format in about 2 pages to describe any bank organization – its background etc. Then explain how data science and big data is useful for the back.
Also explain the IT team dynamics in the organization I.e. all the positions that are in the IT team of the bank developers, project managers etc.
Also explain how the company uses the agile model in the workflow for the data science projects.
Explain what is structured and unstructured data. What the sources of structured and unstructured data in a bank and what are the sources of these data.
Please provide at least 3-4 in text citation and references.
.
A Visual Guide to 1 Samuel | A Tale of Two HeartsSteve Thomason
These slides walk through the story of 1 Samuel. Samuel is the last judge of Israel. The people reject God and want a king. Saul is anointed as the first king, but he is not a good king. David, the shepherd boy is anointed and Saul is envious of him. David shows honor while Saul continues to self destruct.
Temple of Asclepius in Thrace. Excavation resultsKrassimira Luka
The temple and the sanctuary around were dedicated to Asklepios Zmidrenus. This name has been known since 1875 when an inscription dedicated to him was discovered in Rome. The inscription is dated in 227 AD and was left by soldiers originating from the city of Philippopolis (modern Plovdiv).
Level 3 NCEA - NZ: A Nation In the Making 1872 - 1900 SML.pptHenry Hollis
The History of NZ 1870-1900.
Making of a Nation.
From the NZ Wars to Liberals,
Richard Seddon, George Grey,
Social Laboratory, New Zealand,
Confiscations, Kotahitanga, Kingitanga, Parliament, Suffrage, Repudiation, Economic Change, Agriculture, Gold Mining, Timber, Flax, Sheep, Dairying,
LAND USE LAND COVER AND NDVI OF MIRZAPUR DISTRICT, UPRAHUL
This Dissertation explores the particular circumstances of Mirzapur, a region located in the
core of India. Mirzapur, with its varied terrains and abundant biodiversity, offers an optimal
environment for investigating the changes in vegetation cover dynamics. Our study utilizes
advanced technologies such as GIS (Geographic Information Systems) and Remote sensing to
analyze the transformations that have taken place over the course of a decade.
The complex relationship between human activities and the environment has been the focus
of extensive research and worry. As the global community grapples with swift urbanization,
population expansion, and economic progress, the effects on natural ecosystems are becoming
more evident. A crucial element of this impact is the alteration of vegetation cover, which plays a
significant role in maintaining the ecological equilibrium of our planet.Land serves as the foundation for all human activities and provides the necessary materials for
these activities. As the most crucial natural resource, its utilization by humans results in different
'Land uses,' which are determined by both human activities and the physical characteristics of the
land.
The utilization of land is impacted by human needs and environmental factors. In countries
like India, rapid population growth and the emphasis on extensive resource exploitation can lead
to significant land degradation, adversely affecting the region's land cover.
Therefore, human intervention has significantly influenced land use patterns over many
centuries, evolving its structure over time and space. In the present era, these changes have
accelerated due to factors such as agriculture and urbanization. Information regarding land use and
cover is essential for various planning and management tasks related to the Earth's surface,
providing crucial environmental data for scientific, resource management, policy purposes, and
diverse human activities.
Accurate understanding of land use and cover is imperative for the development planning
of any area. Consequently, a wide range of professionals, including earth system scientists, land
and water managers, and urban planners, are interested in obtaining data on land use and cover
changes, conversion trends, and other related patterns. The spatial dimensions of land use and
cover support policymakers and scientists in making well-informed decisions, as alterations in
these patterns indicate shifts in economic and social conditions. Monitoring such changes with the
help of Advanced technologies like Remote Sensing and Geographic Information Systems is
crucial for coordinated efforts across different administrative levels. Advanced technologies like
Remote Sensing and Geographic Information Systems
9
Changes in vegetation cover refer to variations in the distribution, composition, and overall
structure of plant communities across different temporal and spatial scales. These changes can
occur natural.
This presentation was provided by Rebecca Benner, Ph.D., of the American Society of Anesthesiologists, for the second session of NISO's 2024 Training Series "DEIA in the Scholarly Landscape." Session Two: 'Expanding Pathways to Publishing Careers,' was held June 13, 2024.
1. Patricia
M3_A1 Interest rates Discussion
General Education Mathematics
MAT109
Professor Mary Troy
Okay despite the great example provided by Professor
Troy, I am still a bit apprehensive about my understanding of
what is expected in this week’s discussion assignment, so I hope
it is understandable and correct.
I. How is consumer debt different today than in the past?
According to a couple of different articles that I read, and
the U.S. Federal reserve website U.S. Debt is at an all-time
high. In the article posted on Time.com titled “Overall debt
levels rose at the fastest rates seen since 2007, according to a
new study by the Federal Reserve of New York” this article
states that “within the last three months of 2013 U.S. debt had
an increase of 2.1% this is said to be the highest rate of increase
since 2011 and this debt includes mortgages, auto loans, student
loans, and credit card debt” (Frizell, 2014). This information
makes me wonder what is contributing to this rise in debt across
America, is it due to an increase in unemployment, or a lack of
financial common sense. Not that I am one to talk about others
debt being that I have a car loan, a mortgage, and of course
student loans, but I have taken pride in making certain that my
debts have achievable end dates in fact my mortgage and car
loan currently only have 3 ½ years left. I do admit I have a
credit card, however it is for emergencies only and thankfully
there have been no big emergencies that have required its use, I
guess I just have a hard time understanding how our nation can
possibly get so far into debt with little hope of paying it back.
And I think I have got a bit off track here so let’s move on.
*After the references I have included the table that I found from
the Federal Reserve.
II. What role do interest rates play in mounting consumer debt?
2. This is another are I am out of my depths in and so I am
going to wing it a bit. I suppose that when a credit card
company offers a consumer a credit card with and initial low
interest rate it draws them in and once they end up in over their
heads the interest rate increases making it difficult to pay back
the amount that has been put onto the credit card. This I think
puts the consumer in a place where they are getting deeper and
deeper into debt, while the credit card companies make more
income.
I suppose another way this could be said is that while
interest rates are low people are more likely to take out loans
because they will have less interest to pay back this can be very
appealing to someone who is looking to purchase a home, a car,
to get a student loan, or to get a credit card so that they can buy
things that they otherwise couldn’t afford to buy. Unfortunately
rates don’t always stay low and that is where the consumer
tends to get into trouble.
So that bring me to the effect that all of this debt can have
on the economy, when people borrow more and more from
banks especially in times of poor economic conditions this can
put a strain on the financial standing of the bank, and even
though the consumer often makes payment on said debts we
can’t always foresee potential hazards such as job loss which
makes paying back our loans difficult if not impossible. When
backs are holding loans which are in default they are losing
money, and when banks are losing money it makes giving loans
to others less likely thus restricting new business opportunities
and so forth.
III. What are the typical interest rates applied to credit cards
mortgages, and other debt?
In the case of interest rates it generally varies depending on
the type of loan, whether it is a fixed rate, a variable rate, who
is holding the loan etc. so let’s start looking at the various
rates.
Credit card rates- (CreditCards.com)
Business credit cards- *
3. Card company
Intro rate/time
Average rate
Credit requirements
Capital One
0% for 6 months
12.9% - 22.9%
Excellent credit/ Fair
American Express
0% for 9 months
12.24% - 19.24%
Excellent credit
Bank of America
0% for 9 months
11.24% - 17.99% Variable
Excellent credit
Chase
0% for 12 months
13.24% - 15.24% Variable
Excellent credit
Citibank
0% for 6 months
15.24% Variable
Excellent credit
Student credit cards- *
Card company
Intro rate/time
Average rate
Credit requirements
Discover
0% for 6 months
12.99% - 21.99 % Variable
Fair
Citi
0% for 7 months
4. 13.99% - 23.99% Variable
Good
Capital one
N/A
19.8% Variable
Average
Bank of America
0% for 15 months
10.99% - 20.99% Variable
Good
UPromise
0% for 12 months
12.99% - 20.99% Variable
Good
Travel/ Airline-*
Card company
Intro rate/time
Average rate
Credit requirements
Capital One
0% for 12 months
11.9% - 20.9%
Excellent / good
Bank of America
0% for 12 Months
14.99% - 22.99%
Excellent
Chase
N/A
15.99% Variable
Excellent
Citi
N/A
13.99% - 21.99% Variable
Excellent
5. Barclay
0% for 12 months
14.99% - 18.99% Variable
Excellent
Visa
0% for 12 months
14.99% Variable
Excellent
American Express
N/A
15.24% - 19.24% Variable
Excellent
The Carnival
0% for 12 Months
13.99% - 20.99% Variable
Excellent
*these figures are an accumulation of each company and vary
depending on card type
Mortgage Rates- These rates vary depending on location,
duration, down payment, credit score and type of loan. For this
I used my location, with a loan amount of $165,000 with 20%
down and a FICO of 740+.
Fixed
10 Year
3.0%- 3.76% APR
15 Year
3.24%- 4.11% APR
20 Year
3.97%- 4.39% APR
30 Year
4.20% - 4.69% APR
Arm
3/1
6. 2.77% - 2.89%
5/1
2.72% - 3.04%
7/1
2.92% - 3.16%
10/1
3.32% - 3.58%
Auto Loans-
New Car
Used car
36 Months
2.34% - 4.99%
1.49% - 6.74%
48 Months
1.49%- 4.99%
1.99% - 4.30%
60 Months
1.99% - 5.24%
2.49% - 3.90%
72 Months
2.24%
N/A
There are a number of factors that can affect what kind of
percentage rate one is able to get, so I guess I should go over
those as well.
1.) Credit score and history, if you have a good credit score
then you present less of a risk to banks which makes them more
willing to lend to you with a lower rate and higher if your credit
score is blemished. Things that can give you a bad score is if
you have a tendency to pay bills late, bankruptcy, or you have
no history at all.
2.) Down Payment, the more that you put down means you need
to borrow less which leads to a lower interest rate.
7. 3.) Loan time frame, the less time that you have to borrow the
money can give you a lower rate, plus less interest that you
have to pay.
4.) Type of interest rate, fixed or variable makes a difference in
the rate you receive. If you have a fixed rate then your rate
stays the same, however if it is a variable rate then it is subject
to change depending on the current market.
5.) Income, unfortunately the type of job that one has and how
much money they make tends to be a determining factor in what
type of interest rates that they may qualify for.
There are other types of loans as well such as student loans and
business loans which have varying interest rates depending on
the type of loan as well as the current economic conditions.
IV. Many of today’s interest rates are variable rather than fixed.
What difference does that make to pension plans, housing loans,
and other personal finances?
In the case of variable versus fixed many choose the variable
rate for loans because of the potential it has for lower interest
rates, of course that also means that amount of your payments
can vary. The way that a variable rate works is when the Prime
rate drops so do the interest rates and vice versa. In the case of
a fixed rate you have one set rat for the duration of your loan,
and if you are lucky like I was you will find someone offering a
lower rate.
How a variable interest rate can affect pensions actually
depends on whether you choose lifetime payment or lump sum
payments when it comes time to retire as well as your age at the
time of retirement. A pension plan is an investment which you
pay into while working so that when you retire you are not
broke. I think that the way a variable rate affects this is that
when rates are low less is being credited to the pension plan and
when they are high the more money gets credited. Of course I
think that the interest rate also effect what you get out of your
pension as well, however, I am probably way off on this
subject.
8. References
Amadeo, K. (2014). Average Consumer Debt Statistics and How
It Affects the Economy. Retrieved March 26, 2014, from
9. http://useconomy.about.com/od/demand/a/Average-Consumer-
Debt-Statistics.htm?p=1
Bankrate (n.d.). Auto Loan Rates in Portland, OR by Bankrate.
Retrieved March 26, 2014, from
http://www.bankrate.com/funnel/auto/auto-
results.aspx?zip=97220&prods=73
CreditCards.com (n.d.). Airline Credit Cards & Frequent Flyer
Miles - CreditCards.com. Retrieved March 26, 2014, from
http://www.creditcards.com/airline-miles-page-2.php
Federal Reserve (n.d.). FRB: G.19 Release-- Consumer Credit.
Retrieved March 26, 2014, from
http://www.federalreserve.gov/releases/g19/current/
FinAid (n.d.). FinAid | Loans | Private Student Loans.
Retrieved March 26, 2014, from
http://www.finaid.org/loans/privatestudentloans.phtml
Franklin, M. B. (2008, March). Pension Payouts Are Shrinking-
Kiplinger. Retrieved March 26, 2014, from
http://www.kiplinger.com/article/retirement/T037-C000-S002-
pension-payouts-are-shrinking.html
Frizell, S. (2014, February 19). Americans? Personal Debt
Levels Increasing At Rapid Rate: Fed Reserve - TIME.
Retrieved March 26, 2014, from http://time.com/8740/federal-
reserve-debt-bankrate-consumers-credit-card/
Fuscaldo, D. (2011, December 21). Adjustable Rate Mortgages:
Do They Ever Make Sense? | Fox Business. Retrieved March 26,
2014, from http://www.foxbusiness.com/personal-
finance/2011/12/21/adjustable-rate-mortgages-do-ever-make-
sense/
Hewitt, J. (n.d.). About Pension Annuity Rates | eHow.
Retrieved March 26, 2014, from
http://www.ehow.com/about_4622940_pension-annuity-
rates.html
Investopedia (n.d.). Variable Interest Rate Definition |
Investopedia. Retrieved March 26, 2014, from
http://www.investopedia.com/terms/v/variableinterestrate.asp
Money Economics (n.d.). Beginner?s Guide to Debt Interest
10. Rates - Money Economics. Retrieved March 26, 2014, from
http://www.moneyeconomics.com/financial-guides/debt-
management/beginners-guide-to-debt-interest-rates/
Pimco (n.d.). PIMCO | In Depth - The Upside of Low Interest
Rates for Pension Plans: Issuing Debt to Fund Pension
Liabilities. Retrieved March 26, 2014, from
http://www.pimco.com/EN/Insights/Pages/The-Upside-of-Low-
Interest-Rates-for-Pension-Plans-Issuing-Debt-to-Fund-Pension-
Liabilities.aspx
Singer, M. C. (2012, December 7). U.S. Consumer Debt Hits
All-Time High: Borrowing Rises To $2.7 Trillion.
Retrieved March 26, 2014, from
http://www.huffingtonpost.com/2012/12/07/us-consumer-debt-
record_n_2260457.html?view=print&comm_ref=false
Stern, D. (2014, February 19). Consumer Credit Advantages and
Disadvantages | LIVESTRONG.COM. Retrieved March 26,
2014, from http://www.livestrong.com/article/68036-consumer-
credit-advantages-disadvantages/
Figure 1: Table from
http://www.federalreserve.gov/releases/g19/current/ showing
11. the debt trends of American’s from 2009 to present.
consumer Credit Outstanding (Levels) 1
(Billions of dollars)
Not seasonally adjusted
Year
Quarter
Month
2012
2013
2014
2009
2010
2011
2012
2013r
Q4
Q1
Q2
Q3
Q4r
Novr
Decr
Janp
Total
2,553.5
2,648.1
2,757.0
2,924.3
3,098.6
2,924.3
2,924.4
2,967.7
3,038.8