Advanced Time Value of Money Problems Professor A. Spieler Question 1 (mortgage problem) (Try to work this question WITHOUT using Excel) You purchase a house that costs $625‚000 with an 8%‚ 30-year mortgage. You make a 20% down payment to avoid PMI insurance. 1. What is your monthly payment? 2. Amortize the first and second payments. 3. What is the mortgage balance after 5 years? 4. What percentage of the principal is paid off after 5 years? 5. Suppose after 5 years you refinance at 6%
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Academic freedom is the belief that the freedom of inquiry by faculty members is essential to the mission of the academy as well as the principles of academia‚ and that scholars should have freedom to teach or communicate ideas or facts (including those that are inconvenient to external political groups or to authorities) without being targeted for repression‚ job loss‚ or imprisonment. Academic freedom is a contested issue and‚ therefore‚ has limitations in practice. In the United States‚ for example
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COURSE: ADVANCED FISH NUTRITION (FIS 504) UNITS: 2 LECTURER: Dr. S.O. Obasa 1. Advanced principles of fish nutrition; i. Requirement for energy. *Sources of energy in fish feeds. *Differences in energy need between fish and other farm animals. *The implications of feeding fish with feed that has excess or deficient energy. ii. Protein requirement. *Functions of protein in fish. *Sources of protein in fish feeds. *Factors affecting protein requirement in fish. iii. Vitamins and minerals
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Free Expression and Freedom of the Press Acorrding to John Keane ‚ “A free press is the ally of happiness”‚ wrote in 1793 (Keane 65). This quote express the long held idea that the free press‚ or in other word‚ freedom of expression‚ should be considered as a basic human right. As Matthew Tindal‚ an eminent English deist author‚ claims “Restrictions on the press are un-Christian and contrary to natural right” (Keane‚ 2011). The “liberty of the press” functioned only as a “bold and infectious
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How effective are CCTV cameras as a proven crime control and prevention measure? Describe the crime control literature which attempts to assess their efficacy and evaluate the impact such studies have had on overall proliferation of these systems. Illustrate your answer by reference to both official reports and academic and NGO studies supporting or contradicting such claims. This essay will aim to critically discuss CCTV cameras as a proven method of crime control and prevention tool. In order
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this change in transportation‚ starting by highlighting what the innovations were and then explaining the impact that these innovations had on the people. By using the word ‘innovations’ we are insinuating the improvement and modernization of technology around 1900. These were many‚ as the industrial revolution left many doors to be opened; many improvements to be made in transport equally. One of the biggest examples of this is the transition from the ‘horse age’ and using horses to travel‚ to
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Explore the relationship between the body and technology in the work of Orlan and Stelarc A performer is essentially composed of two entities: the self and the representation of the self. The human body is the physical manifestation of this represented self and is interpreted by the observer depending on its gender‚ age‚ colour‚ attractiveness‚ adornment and perceived disabilities (these perceptions often being culture-bound as well). In addition to this‚ the performer uses make-up and costume
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Catherine Ashby COUN 635: Advanced Theories Dr. Geri Glover 7/25/09 Murray Bowen is one of the founding fathers of family systems theory. He even coined the term “family systems”. His career began at the Menninger Clinic working with families of people with schizophrenia. He was the first therapist to look at the individual’s development in the context of family relationships. Bowen believed that family members adopt certain behaviors and patterns for those behaviors based on their
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“Man is free at the moment he wishes to be”. His ideas influenced many people and the freedoms that people wanted than being treated as a normal person. He believed that every man has the freedom of speech‚ and religion. Voltaire also published more than 70 books of political‚ philosophy‚ and history. He even helped Isaac Newton’s ideas better and more accessible. Voltaire believed in freedom of speech and freedom of religion. It enables people to obtain information from a diversity of sources‚ make
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Counselling Brochure JEE (Advanced) 2013 Important Dates JEE(Advanced) Results 23 June 2013 Registration for Architecture Aptitude Test 24-26 June 2013 Register‚ fill choices and lock courses for IITs and ISM Dhanbad 24-30 June 2013 Architecture Aptitude Test 28 June 2013 Architecture Aptitude Test Results 2 July 2013 Release of 1st round of course allocation 4 July 2013 Candidate who got seat allotment in the first round of course 4-8 July 2013 allocation
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