New 5-cap Ratings Just Released

In a continuing effort to give parents, students and other college savers the information they need to make their college dreams financially possible, Savingforcollege.com has just released updated 5-Cap Ratings on 529 plans across the country. See 5-Cap Ratings chart here The latest ratings show 529 plans as a whole becoming more flexible and shedding investor-unfriendly fees. The state-run programs are moving toward operating more like mutual funds, with daily pricing and the ability to establish accounts, disperse funds and change account information online. The programs are also working to minimize college costs by investing in low-cost index funds and eliminating excessive account maintenance fees. Prepaid plans, which allow parents to pay future tuition costs in full at today's prices, haven't fared as well. Losses in the stock market, combined with rising college tuitions, have undermined the ability of plans in many states to keep pace with their obligations to students. Many have stopped accepting new applications, diminishing college savings choices in those states. Still, even with these challenges, 529 plans aren't going away. Moreover, while many 529s are adopting more consumer-friendly practices, key differences remain in investment performance, matching grants and fees, and 5-Cap Ratings are designed to measure these differences. Here are answers to some frequently asked questions about how the rating system works. How can the ratings help me select a 529 plan? Savingforcollege.com's 5-Cap Rating is a simple-to-use visual rating system that lets you quickly compare different plans just by glancing at how many graduation cap icons appear next to the plan's name. If you have identified plans you are interested in, these ratings can help you narrow down your choices. Plans with a 5-Cap rating are those we believe are the most flexible; demonstrate excellent performance and value; offer special incentives (such as state tax deductions); and have no significant weaknesses or restrictions. A 4-Cap rating means the plan may not be at the top of every category, but it remains a solid choice for most investors. A 3-Cap plan can still perform well, but you should be aware of limitations and concerns. A 2-Cap plan usually works best only for a specific type of investor, so make sure that is you. Finally, a 1-Cap plan has many limitations that make it uncompetitive against other available investment options, according to Savingforcollege.com's criteria. Should I rely on the 5-Cap Rating alone? You should know that the ratings represent Savingforcollege.com's opinions and do not necessarily reflect your own preferences and circumstances. You should not rely on a plan's 5-Cap Rating as the sole basis for your selection of a 529 plan. Instead, you should perform your own investigation and thoroughly read and understand a 529 plan's official disclosure statement before investing in the plan. Research the details of individual plans at Savingforcollege.com. You can compare plans side by side using Savingforcollege.com's Compare 529 Plans tool. Does Savingforcollege.com use a fixed formula to determine a plan's rating? No. It would be virtually impossible to consider and numerically weigh every difference among 529 plans using a fixed formula. A plan's 5-Cap Rating represents Savingforcollege.com's judgment of the overall usefulness of the plan, based on key criteria. Some of Savingforcollege.com's other plan comparison tools, such as the 529 Plan Performance Rankings and the 529 Fee Study, however, do use a fixed algorithm. What factors do you look at to determine the ratings? The criteria Savingforcollege.com uses to assign a 5-Cap Rating are spelled out on the Web site. It's useful to note that a plan's rating is influenced by plans in other states with the same or similar investments. For example, if State A and State B offer the same investment options with the same underlying mutual funds but State B charges higher fees, the 5-Cap Rating for State B will generally be lower than State A. Why are there separate "resident" and "nonresident" ratings? A few states operate resident-only 529 plans. Although most 529 plans are open to residents of any state, a number of those states provide their residents with special benefits for using the in-state 529 plan, such as a state income tax deduction for contributions or a break on account fees. In viewing the ratings, you should focus on the resident rating for the plans in your state and on the nonresident rating for every other plan. How often are the ratings updated? Savingforcollege.com strives to update the ratings on a quarterly basis, usually upon completion of the 529 Plan Performance Rankings. However, a plan's 5-Cap Rating can change at any time and without warning. That happens often after a plan undergoes a significant change (i.e., a change in plan manager). How much weight is given to a plan's historical investment performance? With the relatively recent introduction of the 529 Plan Performance Rankings, Savingforcollege.com now can consider historical investment performance in assigning ratings. This is appropriate for a couple of reasons. First, as 529 plans start to look more alike, there are fewer points of differentiation compared with a few years ago, and investment performance fills that void. Second, Savingforcollege.com users' primary goal is to find the 529 plan that provides them with the best return along with the fewest risks, and investment performance is a key factor. But remember: Past performance is not a guarantee of future returns, and many 529 plans have relatively short performance histories. If I see an adviser-sold 529 plan with a higher rating than a direct-sold 529 plan, does this mean you believe the adviser-sold plan is better? Not necessarily. Adviser-sold 529 plans generally have sales charges and other costs not found in direct-sold 529 plans. Your decision to use an adviser-sold plan should be based on your desire to work with an investment professional to make investment decisions. You must be willing to pay the higher cost associated with the services of the professional and his or her firm. For this reason, the 5-Cap Rating for every adviser-sold 529 plan is flagged with the label "Adviser Sold." Why do I sometimes see "NP" (means "new plan") for a plan that has been operating for months? Savingforcollege.com does not assign the 5-Cap Rating immediately when a new plan comes online, in order to see that the plan can deliver what it promises and that no major problems become apparent. It may be several months before the rating is assigned. In a continuing effort to give parents, students and other college savers the information they need to make their college dreams financially possible, Savingforcollege.com has just released updated 5-Cap Ratings on 529 plans across the country. See 5-Cap Ratings chart here The latest ratings show 529 plans as a whole becoming more flexible and shedding investor-unfriendly fees. The state-run programs are moving toward operating more like mutual funds, with daily pricing and the ability to establish accounts, disperse funds and change account information online. The programs are also working to minimize college costs by investing in low-cost index funds and eliminating excessive account maintenance fees. Prepaid plans, which allow parents to pay future tuition costs in full at today's prices, haven't fared as well. Losses in the stock market, combined with rising college tuitions, have undermined the ability of plans in many states to keep pace with their obligations to students. Many have stopped accepting new applications, diminishing college savings choices in those states. Still, even with these challenges, 529 plans aren't going away. Moreover, while many 529s are adopting more consumer-friendly practices, key differences remain in investment performance, matching grants and fees, and 5-Cap Ratings are designed to measure these differences. Here are answers to some frequently asked questions about how the rating system works. How can the ratings help me select a 529 plan? Savingforcollege.com's 5-Cap Rating is a simple-to-use visual rating system that lets you quickly compare different plans just by glancing at how many graduation cap icons appear next to the plan's name. If you have identified plans you are interested in, these ratings can help you narrow down your choices. Plans with a 5-Cap rating are those we believe are the most flexible; demonstrate excellent performance and value; offer special incentives (such as state tax deductions); and have no significant weaknesses or restrictions. A 4-Cap rating means the plan may not be at the top of every category, but it remains a solid choice for most investors. A 3-Cap plan can still perform well, but you should be aware of limitations and concerns. A 2-Cap plan usually works best only for a specific type of investor, so make sure that is you. Finally, a 1-Cap plan has many limitations that make it uncompetitive against other available investment options, according to Savingforcollege.com's criteria. Should I rely on the 5-Cap Rating alone? You should know that the ratings represent Savingforcollege.com's opinions and do not necessarily reflect your own preferences and circumstances. You should not rely on a plan's 5-Cap Rating as the sole basis for your selection of a 529 plan. Instead, you should perform your own investigation and thoroughly read and understand a 529 plan's official disclosure statement before investing in the plan. Research the details of individual plans at Savingforcollege.com. You can compare plans side by side using Savingforcollege.com's Compare 529 Plans tool. Does Savingforcollege.com use a fixed formula to determine a plan's rating? No. It would be virtually impossible to consider and numerically weigh every difference among 529 plans using a fixed formula. A plan's 5-Cap Rating represents Savingforcollege.com's judgment of the overall usefulness of the plan, based on key criteria. Some of Savingforcollege.com's other plan comparison tools, such as the 529 Plan Performance Rankings and the 529 Fee Study, however, do use a fixed algorithm. What factors do you look at to determine the ratings? The criteria Savingforcollege.com uses to assign a 5-Cap Rating are spelled out on the Web site. It's useful to note that a plan's rating is influenced by plans in other states with the same or similar investments. For example, if State A and State B offer the same investment options with the same underlying mutual funds but State B charges higher fees, the 5-Cap Rating for State B will generally be lower than State A. Why are there separate "resident" and "nonresident" ratings? A few states operate resident-only 529 plans. Although most 529 plans are open to residents of any state, a number of those states provide their residents with special benefits for using the in-state 529 plan, such as a state income tax deduction for contributions or a break on account fees. In viewing the ratings, you should focus on the resident rating for the plans in your state and on the nonresident rating for every other plan. How often are the ratings updated? Savingforcollege.com strives to update the ratings on a quarterly basis, usually upon completion of the 529 Plan Performance Rankings. However, a plan's 5-Cap Rating can change at any time and without warning. That happens often after a plan undergoes a significant change (i.e., a change in plan manager). How much weight is given to a plan's historical investment performance? With the relatively recent introduction of the 529 Plan Performance Rankings, Savingforcollege.com now can consider historical investment performance in assigning ratings. This is appropriate for a couple of reasons. First, as 529 plans start to look more alike, there are fewer points of differentiation compared with a few years ago, and investment performance fills that void. Second, Savingforcollege.com users' primary goal is to find the 529 plan that provides them with the best return along with the fewest risks, and investment performance is a key factor. But remember: Past performance is not a guarantee of future returns, and many 529 plans have relatively short performance histories. If I see an adviser-sold 529 plan with a higher rating than a direct-sold 529 plan, does this mean you believe the adviser-sold plan is better? Not necessarily. Adviser-sold 529 plans generally have sales charges and other costs not found in direct-sold 529 plans. Your decision to use an adviser-sold plan should be based on your desire to work with an investment professional to make investment decisions. You must be willing to pay the higher cost associated with the services of the professional and his or her firm. For this reason, the 5-Cap Rating for every adviser-sold 529 plan is flagged with the label "Adviser Sold." Why do I sometimes see "NP" (means "new plan") for a plan that has been operating for months? Savingforcollege.com does not assign the 5-Cap Rating immediately when a new plan comes online, in order to see that the plan can deliver what it promises and that no major problems become apparent. It may be several months before the rating is assigned. New 5-cap Ratings Just Released In a continuing effort to give parents, students and other college savers the information they need to make their college dreams financially possible, Savingforcollege.com has just released updated 5-Cap Ratings on 529 plans across the country. See 5-Cap Ratings chart here The latest ratings show 529 plans as a whole becoming more flexible and shedding investor-unfriendly fees. The state-run programs are moving toward operating more like mutual funds, with daily pricing and the ability to establish accounts, disperse funds and change account information online. The programs are also working to minimize college costs by investing in low-cost index funds and eliminating excessive account maintenance fees. Prepaid plans, which allow parents to pay future tuition costs in full at today's prices, haven't fared as well. Losses in the stock market, combined with rising college tuitions, have undermined the ability of plans in many states to keep pace with their obligations to students. Many have stopped accepting new applications, diminishing college savings choices in those states. Still, even with these challenges, 529 plans aren't going away. Moreover, while many 529s are adopting more consumer-friendly practices, key differences remain in investment performance, matching grants and fees, and 5-Cap Ratings are designed to measure these differences. Here are answers to some frequently asked questions about how the rating system works. How can the ratings help me select a 529 plan? Savingforcollege.com's 5-Cap Rating is a simple-to-use visual rating system that lets you quickly compare different plans just by glancing at how many graduation cap icons appear next to the plan's name. If you have identified plans you are interested in, these ratings can help you narrow down your choices. Plans with a 5-Cap rating are those we believe are the most flexible; demonstrate excellent performance and value; offer special incentives (such as state tax deductions); and have no significant weaknesses or restrictions. A 4-Cap rating means the plan may not be at the top of every category, but it remains a solid choice for most investors. A 3-Cap plan can still perform well, but you should be aware of limitations and concerns. A 2-Cap plan usually works best only for a specific type of investor, so make sure that is you. Finally, a 1-Cap plan has many limitations that make it uncompetitive against other available investment options, according to Savingforcollege.com's criteria. Should I rely on the 5-Cap Rating alone? You should know that the ratings represent Savingforcollege.com's opinions and do not necessarily reflect your own preferences and circumstances. You should not rely on a plan's 5-Cap Rating as the sole basis for your selection of a 529 plan. Instead, you should perform your own investigation and thoroughly read and understand a 529 plan's official disclosure statement before investing in the plan. Research the details of individual plans at Savingforcollege.com. You can compare plans side by side using Savingforcollege.com's Compare 529 Plans tool. Does Savingforcollege.com use a fixed formula to determine a plan's rating? No. It would be virtually impossible to consider and numerically weigh every difference among 529 plans using a fixed formula. A plan's 5-Cap Rating represents Savingforcollege.com's judgment of the overall usefulness of the plan, based on key criteria. Some of Savingforcollege.com's other plan comparison tools, such as the 529 Plan Performance Rankings and the 529 Fee Study, do use a fixed algorithm. What factors do you look at to determine the ratings? The criteria Savingforcollege.com uses to assign a 5-Cap Rating are spelled out on the Web site. It's useful to note that a plan's rating is influenced by plans in other states with the same or similar investments. For example, if State A and State B offer the same investment options with the same underlying mutual funds but State B charges higher fees, the 5-Cap Rating for State B will generally be lower than State A. Why are there separate "resident" and "nonresident" ratings? A few states operate resident-only 529 plans. Although most 529 plans are open to residents of any state, a number of those states provide their residents with special benefits for using the in-state 529 plan, such as a state income tax deduction for contributions or a break on account fees. In viewing the ratings, you should focus on the resident rating for the plans in your state and on the nonresident rating for every other plan. How often are the ratings updated? Savingforcollege.com strives to update the ratings on a quarterly basis, usually upon completion of the 529 Plan Performance Rankings. However, a plan's 5-Cap Rating can change at any time and without warning. That happens often after a plan undergoes a significant change (i.e., a change in plan manager). How much weight is given to a plan's historical investment performance? With the relatively recent introduction of the 529 Plan Performance Rankings, Savingforcollege.com now can consider historical investment performance in assigning ratings. This is appropriate for a couple of reasons. First, as 529 plans start to look more alike, there are fewer points of differentiation compared with a few years ago, and investment performance fills that void. Second, Savingforcollege.com users' primary goal is to find the 529 plan that provides them with the best return along with the fewest risks, and investment performance is a key factor. But remember: Past performance is not a guarantee of future returns, and many 529 plans have relatively short performance histories. If I see an adviser-sold 529 plan with a higher rating than a direct-sold 529 plan, does this mean you believe the adviser-sold plan is better? Not necessarily. Adviser-sold 529 plans generally have sales charges and other costs not found in direct-sold 529 plans. Your decision to use an adviser-sold plan should be based on your desire to work with an investment professional to make investment decisions. You must be willing to pay the higher cost associated with the services of the professional and his or her firm. For this reason, the 5-Cap Rating for every adviser-sold 529 plan is flagged with the label "Adviser Sold." Why do I sometimes see "NP" (means "new plan") for a plan that has been operating for months? Savingforcollege.com does not assign the 5-Cap Rating immediately when a new plan comes online, in order to see that the plan can deliver what it promises and that no major problems become apparent. It may be several months before the rating is assigned. In a continuing effort to give parents, students and other college savers the information they need to make their college dreams financially possible, Savingforcollege.com has just released updated 5-Cap Ratings on 529 plans across the country. See 5-Cap Ratings chart here The latest ratings show 529 plans as a whole becoming more flexible and shedding investor-unfriendly fees. The state-run programs are moving toward operating more like mutual funds, with daily pricing and the ability to establish accounts, disperse funds and change account information online. The programs are also working to minimize college costs by investing in low-cost index funds and eliminating excessive account maintenance fees. Prepaid plans, which allow parents to pay future tuition costs in full at today's prices, haven't fared as well. Losses in the stock market, combined with rising college tuitions, have undermined the ability of plans in many states to keep pace with their obligations to students. Many have stopped accepting new applications, diminishing college savings choices in those states. Still, even with these challenges, 529 plans aren't going away. Moreover, while many 529s are adopting more consumer-friendly practices, key differences remain in investment performance, matching grants and fees, and 5-Cap Ratings are designed to measure these differences. Here are answers to some frequently asked questions about how the rating system works. How can the ratings help me select a 529 plan? Savingforcollege.com's 5-Cap Rating is a simple-to-use visual rating system that lets you quickly compare different plans just by glancing at how many graduation cap icons appear next to the plan's name. If you have identified plans you are interested in, these ratings can help you narrow down your choices. Plans with a 5-Cap rating are those we believe are the most flexible; demonstrate excellent performance and value; offer special incentives (such as state tax deductions); and have no significant weaknesses or restrictions. A 4-Cap rating means the plan may not be at the top of every category, but it remains a solid choice for most investors. A 3-Cap plan can still perform well, but you should be aware of limitations and concerns. A 2-Cap plan usually works best only for a specific type of investor, so make sure that is you. Finally, a 1-Cap plan has many limitations that make it uncompetitive against other available investment options, according to Savingforcollege.com's criteria. Should I rely on the 5-Cap Rating alone? You should know that the ratings represent Savingforcollege.com's opinions and do not necessarily reflect your own preferences and circumstances. You should not rely on a plan's 5-Cap Rating as the sole basis for your selection of a 529 plan. Instead, you should perform your own investigation and thoroughly read and understand a 529 plan's official disclosure statement before investing in the plan. Research the details of individual plans at Savingforcollege.com. You can compare plans side by side using Savingforcollege.com's Compare 529 Plans tool. Does Savingforcollege.com use a fixed formula to determine a plan's rating? No. It would be virtually impossible to consider and numerically weigh every difference among 529 plans using a fixed formula. A plan's 5-Cap Rating represents Savingforcollege.com's judgment of the overall usefulness of the plan, based on key criteria. Some of Savingforcollege.com's other plan comparison tools, such as the 529 Plan Performance Rankings and the 529 Fee Study, do use a fixed algorithm. What factors do you look at to determine the ratings? The criteria Savingforcollege.com uses to assign a 5-Cap Rating are spelled out on the Web site. It's useful to note that a plan's rating is influenced by plans in other states with the same or similar investments. For example, if State A and State B offer the same investment options with the same underlying mutual funds but State B charges higher fees, the 5-Cap Rating for State B will generally be lower than State A. Why are there separate "resident" and "nonresident" ratings? A few states operate resident-only 529 plans. Although most 529 plans are open to residents of any state, a number of those states provide their residents with special benefits for using the in-state 529 plan, such as a state income tax deduction for contributions or a break on account fees. In viewing the ratings, you should focus on the resident rating for the plans in your state and on the nonresident rating for every other plan. How often are the ratings updated? Savingforcollege.com strives to update the ratings on a quarterly basis, usually upon completion of the 529 Plan Performance Rankings. However, a plan's 5-Cap Rating can change at any time and without warning. That happens often after a plan undergoes a significant change (i.e., a change in plan manager). How much weight is given to a plan's historical investment performance? With the relatively recent introduction of the 529 Plan Performance Rankings, Savingforcollege.com now can consider historical investment performance in assigning ratings. This is appropriate for a couple of reasons. First, as 529 plans start to look more alike, there are fewer points of differentiation compared with a few years ago, and investment performance fills that void. Second, Savingforcollege.com users' primary goal is to find the 529 plan that provides them with the best return along with the fewest risks, and investment performance is a key factor. But remember: Past performance is not a guarantee of future returns, and many 529 plans have relatively short performance histories. If I see an adviser-sold 529 plan with a higher rating than a direct-sold 529 plan, does this mean you believe the adviser-sold plan is better? Not necessarily. Adviser-sold 529 plans generally have sales charges and other costs not found in direct-sold 529 plans. Your decision to use an adviser-sold plan should be based on your desire to work with an investment professional to make investment decisions. You must be willing to pay the higher cost associated with the services of the professional and his or her firm. For this reason, the 5-Cap Rating for every adviser-sold 529 plan is flagged with the label "Adviser Sold." Why do I sometimes see "NP" (means "new plan") for a plan that has been operating for months? Savingforcollege.com does not assign the 5-Cap Rating immediately when a new plan comes online, in order to see that the plan can deliver what it promises and that no major problems become apparent. It may be several months before the rating is assigned.

Oedipus The King By Sophocles - 1022 Words

Fahad Khan Prof: Ian Moore CPL 210-101 Due date: 10/20/2014 Oedipus the King The affairs in Oedipus the King, authored by Sophocles, show a relentless desire to discover the truth around Laius’ murder and the question neighboring his own birth, force him to the awful realization of his dreadful deeds. Oedipus’s pride depicts the distrust in the gods and the expedition for the truth, leave the king restless. The idea of fate and free-will which the Greeks believed to guide everything in creation to a balanced direction. The choices a manmade was simply accountable for his own actions. The concept of both fate and free-will play a extensive role in Oedipus’s destruction. Even Though, Oedipus was the sufferer of his fate, his intentions were†¦show more content†¦Ã¢â‚¬Å"Upon the murderer I invoke this curse- whether he is one man and all unknown, or one of many- may he wear out his life in misery or doom! If with my knowledge he lives at my hearth, I pray that I myself may feel my curse,† (pg. 438; lines 266-27 1). While he curses the killer, he decides to curse himself too. This hubris act showed how much pride he had in himself and his free-will allowed him unknowingly to curse himself twice within that statement. However his act was sincere regarding the former king but these characteristics is what leads him to his doom. Oedipus constantly tries to flee his fate and avoid the prophecy, if he had not been so determined to challenge the Gods, his fate could have been different. Perhaps, he was cursed and had to achieve the prophecy because he was trying to escape his destiny. He plays god throughout the play he curses himself without knowing and tries to run away from reality of knowing that he might not get far. Oedipus pushes his free-will to the next level by accusing Tiresias of treason, Oedipus and Jocasta are doubtful of his prophecy. Jocasta tells Oedipus that a previous prophecy that Tiresias revealed didn’t come true and what he was saying is false. They have made the God s angry with them at that point because of the distrust they had for the almighty. When Oedipus learns the truth about his fate he gouges his eyes out, this act would be a curse from Tiresias because he was blind

Environmental Issues Of Obesity And Obesity - 1022 Words

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Obesity occurs over time from eating more calories than you use. Gene tics also play a role in obesity, with the help of environmental factors. Polymorphisms in various genes that controls appetite and metabolism are predispose to obesity. Children are predisposing to obesity if the parents are. Family influences can cause obesity. How the family is cooking to buying fresh or processed foods. A person’s work schedule can cause obesity. An erratic work times completely interrupts cycles of activities. People remain awake the whole night and then theyShow MoreRelatedIs Obesity Predominantly An Individual Problem?. The Rate1089 Words   |  5 PagesIs obesity predominantly an individual problem? The rate of obesity is increasing globally and is a serious public health issue. It no longer only affects developed countries but is also having implications on developing countries. 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Eight years later the same survey was done and 17.4% were considered overweight (Iannelli). â€Å"Childhood obesity epidemic in America is now a confirmed fact since the number of overweight or obese children has more than tripled during the last 30 years† (Childhood Obesity Epidemic). â€Å"Over the last 20 years, the prevalence of obesity in childrenRead MoreThe Obesity Epidemic Essay1182 Words   |  5 Pages Obesity rates are soaring throughout North America (What Is Obesity?, 2013). With obesity reaching almost epidemic proportions in the United States, and the threat of a global epidemic, we must watch this alarming increase carefully ( Health Risks of Obesity, 2013). Obesity is defined as: †¦an excess of adipose tissue†¦ (A Report of the Surgeon General, 2014). The two most common measures of obesity are Body Mass Index (BMI is a ratio of weight to height) and relative weight index, such as

Annuity And Sinking Fund - Solution is Just a Click Away

Question: Discuss about the Annuity and Sinking Fund? Answer: The plan is to expand Vinyl Fence Company within the future emulated by the purchase of a new facility of the warehouse for attaining the goal. The insurance company offers two options of the attractive investment i.e. an ordinary annuity and an annuity that is due, which compounds quarterly and pays 8 percent interest on an annual basis within a five year period. The five year budget would incorporate a savings of up to $2500.00 per quarterly basis. It is further realized that there would be a need to replace a fence post i.e. a molding machinery which would be selling for $45000. I have estimated that I will to purchase this machine within 3 years and Im planning on saving for such purchase utilizing a sinking fund compounding on a semiannual basis and hence have a earning of around 12 percent annual rate. Annuities are a series of fixed payments to be paid to a person, business or an individual and a business over a certain time frame. Commonly, these payments are made bi-annually, yearly, quarterly or on a month-to-month basis. Future value of an ordinary annuity: $60,742.50 Future value of annuity due: $65,601.90 The annuity due option would be a better choice, annuity due accumulates interest one more period more than the ordinary annuity, but has the same number of payments (Cleaves, et.al, 2014, p. 504). A sinking fund is a fund that is set up by a party to use for a specific purpose at a future date. In this case the sinking fund is for a fence post molding machine. Calculation of sinking fund: PMT = FV(R/1+R)^n-1) R = 12%/2 = 0.06 periodic interest rate N = 3(2) = 6 FV = 45,000 = 45,000 x (0.06/1+0.06)^6-1) =$6451.32 The longer-term warehouse annuity option chosen gives the business savings of $4859.40 from the other option. Compared to the short-term timeframe ad higher interest rate of the sinking fund, the remaining savings can be channeled to a savings fund in anticipation of a savings fund to be made in the long term from the annuity method chosen. The expansion of a building will mean that more revenue streams will be generated for the company. There is also likely of reaching new markets and diversifying the portfolio of the business. But with the expansion, efficiency and being able to meet the needs of the expanded market reach will be crucial for the thriving of the business. For the moment, the fence post -molding machine is still functional but will reach its useful lifespan in the near future. It will be wise foe the business to focus on what will make it better when it expands like saving for a new machine and acquiring extra warehouse space. In order to prioritize the purchases a plan is important. The business will need to identify the kind of revenues it will expect to generate after expansion to see if it can be able to raise the required payments for the machine can be purchased through help in financing and the extra revenues generated from the expansion of the business subjected towards the semi-annual payments. Reference Cleaves, C, Hobbs, M, Noble, J (2014) Business Math. 10th Ed. Pearson

Using Topics About Science For Essay

Using Topics About Science For EssayTopics about science for essay can be a great way to add a little more variety to your writing. A lot of people find that they have a ton of knowledge on a specific subject, but that it is hard to explain in a clear and concise manner. By using topics about science for the essay, you can easily summarize what is being taught in a subject in such a way that students will understand what is being presented.Many times the information provided about scientific basics can be very confusing. Students may find that they are too confused to put together the basic concepts of their education. By having easy to understand explanations, you can help your students to focus on the larger lesson that you are trying to teach them. You will have less headaches down the road from students who are struggling to follow what you are trying to convey.Additionally, if you take time to go over these topics with your students, you will be able to find out exactly what que stions they are having. This way, you can provide more answers to those questions than if you had just casually tossed them into the class. You can then choose which ones you want to highlight in your discussion. By asking questions in your discussion groups, you will be able to better understand what types of topics you should include in your essays.Before you begin writing your essay, it is important to determine exactly what types of topics you will be covering. It will also help to have a structure to your essay before you begin to write. By creating a structure, you will be able to better organize your thoughts and ideas.Create a topic that will help you cover a different type of topic. For example, you can create a topic around fossils to create a topic about biology. You can also use topics about science for essay to help you cover topics about the history of science, and anything else that relates to that. You should start by figuring out what type of topic you will be cover ing, as well as the specific field that you are writing about. Once you have done this, you can begin looking for examples. Remember that writing can be a lot of fun, so the more you are able to duplicate what others have written, the better.One of the best things about topics about science for essay is that you can include multiple perspectives to get a better understanding of different aspects of the topic. One example would be to look at how different fields have done experiments. You could also use this in a discussion to look at various theories about how it would be difficult to do experiments.Keep in mind that by using topics about science for the essay, you will be able to include different perspectives to help give you a better understanding of your topic. It will help to write an essay using different perspectives so that your readers feel like they are getting more than just one point of view. Try to come up with as many different perspectives as possible so that you can get a good idea of the various approaches to the subject.

Writing an Essay Topic For Your Senior Year Application

Writing an Essay Topic For Your Senior Year ApplicationIf you're considering writing an Oedipus Rex essay topic for college admissions, you've come to the right place. You may have gone to school long ago, or maybe you're just reading this on the Internet and have a little more time on your hands. In either case, keep in mind the basics when writing.One important thing to remember is that your essay should stand alone. One word, one paragraph, and then you can start over. This rule is especially important if you're writing for a test or even just an essay requirement. When it comes to essay topics, the more one has to do, the better.In order to write an essay, there's a major difference between knowledge and understanding. On the other hand, you need both. So, while writing an essay on the topic of the Oedipus and the Minotaur, you need to have a little knowledge and understanding as well. This makes things much easier.The most important thing to remember is to write about a particul ar topic. While this might sound obvious, we've all had problems with essays that are too general. A good rule to follow is to be specific with your subject. Make sure you have a topic that's pertinent to your essay's topic.As far as style goes, it's also an important aspect. There's no such thing as a bad style, but there are some bad habits that can ruin a great essay. The biggest rule to follow is this: keep it to the point. Unless it's a complex topic, it doesn't need to be rambling. Simply say what you want, with as little fluff as possible.Now, depending on the type of essay, there may be some additional or more important aspects to the essay that should be included. These can include punctuation, bullet points, and whatever else may be required.In the end, it's up to you how to decide on an original topic. For example, for something like sports, or business, you might think of a topic that pertains to sports and how it relates to your particular field of interest.

The Battle Over Writing Help and How to Win It

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