...the needed figures and find out the totals of taxes, interest, etc. One feature it also allows you to do is see totals with or without extra payments. (citigroup.com)Extra payments towards your loan's principal can substantially decrease the amount of interest you pay over the life of your loan. By paying extra amounts each month, you will be able to repay your loan much more quickly(2013). For a $225,000 home, the mortgage loan is $21,375. A term of 15 years with a 5% interest rate with no extra payments is going to be higher than having extra payments. With no extra payments added, it will take the whole term of 15 years to pay off the loan. Adding a $100 extra payment will take only eight years and two months. You save about $4364 in interest paid by adding an extra payment each month. Adding an extra payment a month, the taxes and insurance and the mortgage insurance would be the same if you did not have an extra payment. Taxes and insurance would run about $123 and the mortgage insurance $0. Between having an extra payment and not having one, the principal and interest is $100 difference. The principal and interest total is then $169 with no extra payment, $269 with an extra payment. Total payment with no extra payment is $292; with extra payment total is $392. The same home for $225,000 with the mortgage $21,375, calculating it with a term of 30 years is not too much of a difference in amounts. If there are no extra payments, it will take the 30 years...
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...Descriptive Statistics for Crimes Variable N N* Mean SE Mean StDev Minimum Median Maximum Range Mode CRIMES 50 0 4559 174 1232 2107 4366 7820 5713 5705.7 N for Variable Mode CRIMES 2 [pic] [pic] [pic] [pic] [pic] [pic] [pic] One-Sample Z The assumed standard deviation = 1232 N Mean SE Mean 95% CI 50 4559 174 (4218, 4900) One-Sample T N Mean StDev SE Mean 95% CI 50 4559 1232 174 (4209, 4909) [pic] [pic] Regression Analysis: CRIMES versus URBAN The regression equation is CRIMES = 737.0 + 57.18 URBAN S = 917.074 R-Sq = 45.7% R-Sq(adj) = 44.6% Analysis of Variance Source DF SS MS F P Regression 1 33997185 33997185 40.42 0.000 Error 48 40369214 841025 Total 49 74366399 Regression Analysis: CRIMES versus PINCOME The regression equation is CRIMES = 2650 + 0.124 PINCOME Predictor Coef SE Coef T P Constant 2649.8 964.0 2.75 0.008 PINCOME 0.12365 0.06146 2.01 0.050 S = 1195.33 R-Sq = 7.8% R-Sq(adj) = 5.9% Analysis of Variance Source DF SS MS F P Regression 1 5783269 5783269 4.05 0.050 Residual Error 48 68583130 1428815 Total 49 74366399 Unusual Observations Obs PINCOME CRIMES Fit SE Fit Residual St Resid 3 14887 6861 4491 172 2371...
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...8203 4962 5245 1749 3996 5143 1429 8091 9065 9250 9372 2169 6461 5157 0985 8387 4105 9788 5959 7729 7549 8930 1617 5392 8468 1382 6868 3868 9427 7415 5991 8559 2524 5953 9594 3104 9972 5246 8084 5987 2736 4469 5848 6538 3673 6222 6260 9912 4608 0512 4388 4390 4512 4413 6549 7627 8079 7715 6914 3599 7700 1296 1608 9441 6948 6855 5848 4063 5342 2072 2258 2848 8648 1584 5602 8506 0168 4273 9452 2674 6767 8895 2521 3852 2549 9546 6672 7823 9864 5659 6116 3548 8623 0577 4564 9803 5593 6345 6817 4324 1125 1507 6069 4794 5109 6596 0940 2522 8879 7108 9314 5669 1368 6722 8748 9405 6010 1503 3086 1792 8680 9208 7476 0917 8249 3858 9009 7149 0967 5985 2613 6554 9781 8931 2978 4821 6829 9894 8722 6588 0485 7564 0142 7047 7555 1323 7964 1451 5237 4623 4364 5428 5844 4795 2658 6782...
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...To: Margaret Weston From: Bernard Ingles (Alex Lafond, Kenneth Harper, Mitchell McMahon) Subject: Theoretical Overview of Multiple Hurdle Rates Date: Executive Summary: Teletech Corporation’s needs to determine hurdle rates for each of the business’s two main segments: services and products and systems (P&S). Victor Yossarian has made valid points in regards to our misuse of company resources as well as our unsubstantial returns. In order to obtain enough capital for the upcoming years projects (roughly $2 billion), Teletech must re-evaluate current strategies in both segments and consider a spin-off of the Products & Systems segment. The company’s current 9.30% corporate-wide hurdle rate needs to be reconfigured in order to analyze potential project undertakings. Teletech should use hurdle rates that better represent the risks associated in each segment. The current hurdle rate is not maximizing shareholder and economic value due to the misallocation of company capital. In this case it is presumed that the firm is transparent and the value of the whole enterprise is simply the sum of its parts (MVdebt + MVequity). Analysis: Teletech must apply two different hurdle rates to accommodate for the risk in each segment. The WACC for the Services segment is 8.47% and the WACC for the Products and System segment is 11.40% (Exhibit 1). To estimate beta and capital structure weighting for the calculation of WACC, we used a comparable analysis for companies...
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...SOC 100 June 5, 2013 Efua Akoma Defiance and its Consequences The Boston Marathon Bombing At 2:49pm on April 15, 2013 in Boston, Massachusetts it was as if the first plane had hit the first tower all over again. 9/11/2001 is a date that will forever stick out in the minds of Americans; it is the date that changed my concept of freedom. We no longer live in a safe world there are evils all around us waiting for their chance to pounce. “The war is here now. It’s in our neighborhoods, and in our streets. We have to be united; because (the terrorist) are united in attacking us” (Halres, P. 2013). Terrorism is the most defiant behavior I can describe. Terrorists are bullies on a grander scale; they promote hatred against anyone who is not like them. The victims come from all age and societal groups. Bullying affects us all whether we are the intended victims or innocent bystanders like those of the Boston Marathon Bombing. What goes through someone’s brain that makes them think it is okay to cause harm and danger to another being? How can they turn off their emotions to justify what is wrong to be right? Just like the unsuspecting victims of the Columbine High School Massacre in 1999 and those of the Colorado Theater Massacre in 2012 there are evil people whom do not care about the well-being of others and wish to do great harm. The actions of the two men (Dzhokhar and Tamerlan Tsarnaev) who decided to set bombs off on innocent victims have their own supporters...
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...Locate the case with the docket number 08-10-00295-CV What is the name of this case? In the Matters of C.E.S a Juvenile Briefly describe the nature of this case. C.E.S, a juvenile was appealing the conviction of delinquent conduct of aggravated sexual assault of a child. C.E.S, raised three issues and the court overruled all three issues. What was the decision? The court affirmed the judgment. Acess Google Scholar and search for cases relating to the permissibility of prayers offered at high school graduations. What is the first case to which you are directed? Lee v. Weisman How many cases have cited this case 5594 Give all parallel citations for this case. 505 U.S. 577 (1992 112 S. Ct. 2649 120 L. Ed. 2d 467 1992 U.S. LEXIS 4364 Briefly, were the prayers offered in this case constitutionally permissible? No, the Supreme Court decided that allowing the inclusion of prayers in a high school ceremony creates a state sponsored event in which students must participate in. ...
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...0268 .0336 .0418 .0516 .0630 .0764 .0918 .1093 .1292 .1515 .1762 .2033 .2327 .2643 .2981 .3336 .3707 .4090 .4483 .4880 .04 .0003 .0004 .0006 .0008 .0012 .0016 .0023 .0031 .0041 .0055 .0073 .0096 .0125 .0162 .0207 .0262 .0329 .0409 .0505 .0618 .0749 .0901 .1075 .1271 .1492 .1736 .2005 .2296 .2611 .2946 .3300 .3669 .4052 .4443 .4840 .05 .0003 .0004 .0006 .0008 .0011 .0016 .0022 .0030 .0040 .0054 .0071 .0094 .0122 .0158 .0202 .0256 .0322 .0401 .0495 .0606 .0735 .0885 .1056 .1251 .1469 .1711 .1977 .2266 .2578 .2912 .3264 .3632 .4013 .4404 .4801 .06 .0003 .0004 .0006 .0008 .0011 .0015 .0021 .0029 .0039 .0052 .0069 .0091 .0119 .0154 .0197 .0250 .0314 .0392 .0485 .0594 .0721 .0869 .1038 .1230 .1446 .1685 .1949 .2236 .2546 .2877 .3228 .3594 .3974 .4364 .4761 .07 .0003 .0004 .0005 .0008 .0011 .0015 .0021 .0028 .0038...
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...Integre Technical Publishing Co., Inc. T-2 • Moore/McCabe November 16, 2007 1:29 p.m. moore page T-2 Tables Probability Table entry for z is the area under the standard normal curve to the left of z. z TABLE A Standard normal probabilities z .00 .01 .02 .03 .04 .05 .06 .07 .08 .09 −3.4 −3.3 −3.2 −3.1 −3.0 −2.9 −2.8 −2.7 −2.6 −2.5 −2.4 −2.3 −2.2 −2.1 −2.0 −1.9 −1.8 −1.7 −1.6 −1.5 −1.4 −1.3 −1.2 −1.1 −1.0 −0.9 −0.8 −0.7 −0.6 −0.5 −0.4 −0.3 −0.2 −0.1 0.0 .0003 .0005 .0007 .0010 .0013 .0019 .0026 .0035 .0047 .0062 .0082 .0107 .0139 .0179 .0228 .0287 .0359 .0446 .0548 .0668 .0808 .0968 .1151 .1357 .1587 .1841 .2119 .2420 .2743 .3085 .3446 .3821 .4207 .4602 .5000 .0003 .0005 .0007 .0009 .0013 .0018 .0025 .0034 .0045 .0060 .0080 .0104 .0136 .0174 .0222 .0281 .0351 .0436 .0537 .0655 .0793 .0951 .1131 .1335 .1562 .1814 .2090 .2389 .2709 .3050 .3409 .3783 .4168 .4562 .4960 .0003 .0005 .0006 .0009 .0013 .0018 .0024 .0033 .0044 .0059 .0078 .0102 .0132 .0170 .0217 .0274 .0344 .0427 .0526 .0643 .0778 .0934 .1112 .1314 .1539 .1788 .2061 .2358 .2676 .3015 .3372 .3745 .4129 .4522 .4920 .0003 .0004 .0006 .0009 .0012 .0017 .0023 .0032 .0043 .0057 .0075 .0099 .0129 .0166 .0212 .0268 .0336 .0418 .0516 .0630 .0764 .0918 .1093 .1292 .1515 .1762 .2033 .2327 ...
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...GENERAL MOTORS COMPANY (GM) History of the Company In 1900 New York held an Auto Show where there was a surprise turnout and it showed just how much interest the United States citizens had with automobiles. This enticed many different companies into entering the automobile history to try and meet the growing demand. On September 16, 1908, William “Billy” Durant founded General Motors Company (GM) who at one time was a leading manufacturer of horse-drawn vehicles in Flint, Michigan. Initially, GM consisted of only the Buick Motor Company but took only a number of years to acquire more than twenty different companies. Some of these companies include Oldsmobile, Cadillac, and Pontiac. Opel, a brand that was recognized worldwide, became General Motor’s first international acquisition (http://www.gm.com). The major recession that came about in 2008 dried up private sources of capital and had the United Sates Treasury give GM a bridge loan to aide in the restructuring of its operations. Furthermore, it is evident that sales of motor vehicles have increased since the rescue of the auto industry each year since 2009 (http://www.treasury.gov/resource-center/). The economy is finally recovering and we will soon see if GM is in a place to again thrive. In the 80’s and 90’s GM encountered its largest single production expansion outside of North America in Spain. Furthermore, since GM had joint ventures in both China and India, they were able to provide a variety of automobiles...
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...An Analysis of the Securities Scam -Highlighting Harshad Mehta Synopsis Securities Scam, as it is called, is a name given to the diversion of funds from the banking system to a set of individual stockbrokers through a series of transactions. The duration of the scam was around 11 months, from May 1991 to April 1992. The report primarily describes: * The basic difference between capital market and money market * Why was their room for the scam to happen * How the scam got originated * Who were the key players * What system flaws turned a plan to a scam * How the plan got exposed * Response of the government * Impact of the scam * Policies required Starting with the basic explanation of capital markets and money markets, let us try to understand the points of difference between the two. Point of Difference | Securities Market | Stock Market | Key Players | * Banks * Financial institutions | * Individuals * Companies | Intermediaries | Around a dozen brokers approved by the Reserve bank of India | About 500 brokers approved by Bombay Stock Exchange | Capitalization | Rs 100000 crores | Rs 250000 crores | Finance | Formal money market | Informal money market (Badla market) | Cost of Finance | 18-20% | 35-40% | Number of Transactions | 250 per day | 50000 per day | Trading Volume | Rs 3000-4000 Crores per day | Rs 50-200 Crores per day | We can observe from the table that there is a great difference between...
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...www.afm-journal.de www.MaterialsViews.com FULL PAPER A Core-Shell Nanoporous Pt-Cu Catalyst with Tunable Composition and High Catalytic Activity Xingbo Ge, Luyang Chen, Jianli Kang, Takeshi Fujita, Akihiko Hirata, Wei Zhang, Jianhua Jiang, and Mingwei Chen* Pt catalyst loading.[1] It has been found that alloying Pt with transition metals (such as Ni, Co, Rh, Fe, etc) can effectively decrease the Pt loading by enhancing both the catalytic activity and utilization of Pt.[2–15] Experimental and theoretical investigations have suggested that Ptbased bimetallic catalysts with a thin Ptskin surface (even a Pt monolayer[16]) and a Pt-M (M = Ni, Co, Fe, etc.) core is an ideal structure for ORR because the modification of the d-band center of surface Pt atoms, caused by the underneath alloying effect, can enhance the catalysis.[17,18] Dealloying has been proved to be an effective approach for fabricating the core-shell structured bimetallic catalysts in the form of nanoparticles because the selective etching can remove the less-noble transition metals and naturally form a Pt passivated surface.[19–22] Compared to extensive studies of Pt-Ni,[13–15] Pt-Co,[6,12] Pt-Fe[9] bimetallic catalysts, the Pt-Cu system has not been paid too much attention, particularly, for the application as an advanced catalyst for ORR. Machado et al. first studied the ORR activity of Pt with sub-monolayer Cu ad-atoms on surface. The Cu ad-atoms were found to show a strong inhibition on ORR of Pt in acid media...
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...Appendix B: Tables TABLE 1 CUMULATIVE PROBABILITIES FOR THE STANDARD NORMAL DISTRIBUTION Entries in the table give the area under the curve to the left of the z value. For example, for z = –.85, the cumulative probability is .1977. Cumulative probability z 0 z .00 .01 .02 .03 .04 .05 .06 .07 .08 .09 Ϫ3.0 .0013 .0013 .0013 .0012 .0012 .0011 .0011 .0011 .0010 .0010 Ϫ2.9 Ϫ2.8 Ϫ2.7 Ϫ2.6 Ϫ2.5 .0019 .0026 .0035 .0047 .0062 .0018 .0025 .0034 .0045 .0060 .0018 .0024 .0033 .0044 .0059 .0017 .0023 .0032 .0043 .0057 .0016 .0023 .0031 .0041 .0055 .0016 .0022 .0030 .0040 .0054 .0015 .0021 .0029 .0039 .0052 .0015 .0021 .0028 .0038 .0051 .0014 .0020 .0027 .0037 .0049 .0014 .0019 .0026 .0036 .0048 Ϫ2.4 Ϫ2.3 Ϫ2.2 Ϫ2.1 Ϫ2.0 .0082 .0107 .0139 .0179 .0228 .0080 .0104 .0136 .0174 .0222 .0078 .0102 .0132 .0170 .0217 .0075 .0099 .0129 .0166 .0212 .0073 .0096 .0125 .0162 .0207 .0071 .0094 .0122 .0158 .0202 .0069 .0091 .0119 .0154 .0197 .0068 .0089 .0116 .0150 .0192 .0066 .0087 .0113 .0146 .0188 .0064 .0084 .0110 .0143 .0183 Ϫ1.9 Ϫ1.8 Ϫ1.7 Ϫ1.6 Ϫ1.5 .0287 .0359 .0446 .0548 .0668 .0281 .0351 .0436 .0537 .0655 .0274 .0344 .0427 .0526 .0643 .0268 .0336 .0418 .0516 .0630 .0262 .0329 .0409 .0505 .0618 .0256 .0322 .0401 ...
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...DESTEP Formule & Factsheet Branche: Media Specifiek: Uitgeverij (Tijdschrift) Bedrijf: Sanoma Media B.V. INHOUD VERSLAG: Inleiding DESTEP Formulier Factsheet. Inleiding Naar aanleiding van de gegeven informatie en door het maken van de opdrachten heb ik van mezelf geleerd, dat ik niet van nature tech-savvy ben. Het heeft mij enig tijd gekost om de databases te begrijpen en gebruiken. Eenmaal onder de knie vond ik het echter heel leuk om te doen, vooral het Lexisnexis krantenbak was handig en ik zie het nut er van. Ik heb niet zoveel tijd in de bronnen gestoken als waarschijnlijk de bedoeling was omdat ik ermee worstelde, maar het resultaat mag er hopenlijk zijn. Stap 1: Bepaal de branche Bepaal hier de omgeving waarin de organisatie die je gekozen hebt thuishoort. Soms is dat rechtstreeks uit de REACH-classificatiecode af te leiden. REACH gebruikt SBI (SBI staat voor Standaard Bedrijfsindeling 2008 (voorheen BIK) en is opgesteld door het Centraal Bureau voor de Statistiek (CBS). Zij gebruiken dit om bedrijven in te delen naar hun hoofdactiviteiten), en die code wordt ook door de KvK en REACH gebruikt. Handig voor je onderzoek, dus! Voorbeeld: Stichting buurtzorg Nederland is een middelgrote onderneming in SBI 88101 Branchecode jouw organisatie | SBI 5814 | Stap 2: Stel onderzoeksvragen op Invulschema: Wie | Zijn de concurrentenIs het doelgroep voor rapportIs onze minister(ie)Zijn deskundigen bij branche & bij Sanoma | Wat | Is...
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...August 31, 2007 Dear Potential Offeror, You are invited to submit a proposal in accordance with the requirements set forth in the attached Request for Proposal, (RFP 154:7-061) using Best Value Acquisition procedures. This RFP is being issued by the Virginia Department of Motor Vehicles (DMV) for the purpose of seeking solutions to address the requirements of the DMV CSI Systems Redesign effort as identified in the attached RFP. An original proposal, signed by your contractually binding authority, with 7 full copies and 2 redacted copies, must be received by DMV Contracts and Procurement Department no later than 3:00 p.m. local time on Tuesday, December 4, 2007. An optional pre-proposal conference will be held at DMV Headquarters, 2300 West Broad Street, Richmond, Virginia, Room 702, on Tuesday, October 2, 2007 at 10:00 a.m. local time. Please refer to RFP Section VII for additional information. All questions or inquiries regarding this RFP must be received by Wednesday, October 31, 2007 at 5:00 p.m. local time and must be submitted in writing exclusively to: Nancy M. Davis, CPPB, CPPO, VCO Contracts and Procurement Manager Department of Motor Vehicles Room 319 2300 West Broad Street Richmond, VA 23220 E-mail: nancy.davis@dmv.virginia.gov Fax: (804) 367-0046 All inquiries must be submitted electronically as indicated in the RFP. Please refer to RFP Section VII for additional information. No verbal inquiries will be accepted. From the date of issuance of this RFP until the...
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...STA1610/101/3/2016 Tutorial Letter 101/3/2016 Introduction to Statistics STA1610 Semesters 1 & 2 Department of Statistics IMPORTANT INFORMATION: This tutorial letter contains important information about your module and includes the assignment questions for both semesters. BAR CODE Learn without limits. university of south africa CONTENTS Page 1 INTRODUCTION ..................................................................................................................4 1.1 Tutorial matter.......................................................................................................................4 2 PURPOSE OF AND OUTCOMES FOR THE MODULE ..........................................................5 2.1 Purpose ...............................................................................................................................5 2.2 Outcomes.............................................................................................................................5 3 LECTURER(S) AND CONTACT DETAILS .............................................................................6 3.1 Lecturer(s)............................................................................................................................6 3.2 Department ..........................................................................................................................6 3.3 University ........................................................................
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