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Compound interest can be your best friend or your worst enemy when it comes to your financial portfolio. When it comes to debts, compound interest increases the money you owe each month. When it comes to savings, compound interest is the secret to building significant wealth for your nest egg. Without compound interest, you must save a large amount of money. With compound interest, your money works and grows without your intervention.
Folding shelves are convenient and useful. Place them in the living room for knickknacks or books, or use them in the kitchen, bedroom, shop or garage for extra work or storage space. Modern hardware makes them simple to install. They don't have to be fancy, and you can make them from a variety of materials.
Financial analysts in corporate finance typically have a variety of different long term goals. Learn about the long term goals of a financial analyst in corporate finance with help from an accounting professional in this free video clip.
Certain ways of using cash value insurance are most definitely better than others. Find out about the absolute best ways to use cash value insurance with help from an insurance agent who specializes in life insurance, annuities and financial planning in this free video clip.
A number of different, important elements make up a standard tax transcript. Find out what is included in a tax transcript with help from a certified financial analyst in this free video clip.
The golden ratio is commonly calculated in a very important way. Learn about the golden ratio and how it is calculated with help from a longtime mathematics educator in this free video clip.
PL-259 connectors are also known as UHF or Amphenol connectors and were designed in the 1930s for use in video and radio applications. Similar to the coaxial connectors used for analog television, the PL 259 is widely used in CB, or citizen's band, and amateur radio applications. These connectors offer reduced performance compared to their successors, but remain popular due to their low cost and compatibility with high power-rating cables.
When attempting to use some of the newest display features in recent versions of the Windows operating system, you may occasionally receive an error message warning you that the Desktop Window Manager could not start because Windows Display Driver Model is not in use. You can remedy this issue by installing specific drivers for your computer's graphics card.
Net square feet and gross square feet are two different units of measurement with important distinctions. Learn about net square feet versus gross square feet with help from a high school math tutor in this free video clip.
Credits and debits affect a small business's inventory in a number of different ways. Find out whether or not credits or debits increase inventory with help from a small business owner and active advocate for the small business community in this free video clip.
Calculating 20 percent of annual profits can be accomplished through the use of a basic mathematical calculation. Calculate 20 percent of the annual profits with help from a mathematics educator in this free video clip.
Calculating a bifurcation ratio is something that must be completed in a very specific way. Calculate a bifurcation ratio with help from a mathematics educator in this free video clip.
Calculating the mole ratio between silver and copper will tell you some very important things about each element. Calculate the mole ratio between silver and copper with help from a teacher with over 20 years of experience in this free video clip.
Financial benchmarking has to do with comparing your business to the best in the industry. Find out about financial benchmarking techniques with help from a business consultant and marketing expert in this free video clip.
Retirement age and income is based on a few specific things. Find out what retirement is based on with help from a best-selling author and financial expert in this free video clip.
A net ton and a Metric ton are two different things and should be treated as such. Learn about net tons versus Metric tons with help from a certified math teacher in this free video clip.
You can't buy as much with the same amount of money this year as you could last year. This is because inflation raises the costs of goods and services over time. Economists use something called the consumer price index (CPI) to measure the relative value of money over different years by examining the prices of specifically selected goods. By creating a ratio, you can use the CPIs from a nominal year and a year of interest to see what the value of a specific amount of money in the nominal year would be worth in the year of interest.
In the realm of an S-Corp partnership, base salary and equity split are two very different things. Learn about base salary versus equity split in an S-Corp partnership with help from a business consultant and marketing expert in this free video clip.
When filling out a personal balance sheet, the appraisal of your home goes in a very specific place. Learn where the appraisal value of your home goes on a personal balance sheet with help from a business consultant and marketing expert in this free video clip.
A business can be funded by debt or equity, and each funding mechanism has an associated cost. One method of optimizing your capital funding is to understand the relationship between earnings per share (EPS) and earnings before interest and taxes (EBIT) under different scenarios. EPS-EBIT analysis is often used to decide between funding a project with a fixed source of funds or using the leverage afforded by increased external debt. By comparing the EBIT value at which both alternatives are equal, you can decide whether your expected returns will favor one plan or the other.
Apple's iPad and netbook models offer a compact alternative to full-sized laptops. Which computer type to choose will depend on your computing needs, as differences in the keyboards, browser capacity, storage and software functionality will affect their performance and their suitability to your tasks.
According to American Debt Advisor, as of the date of publication of this article, the average amount of American debt was approximately $129,000. This debt included student loans, mortgages and past due credit card bills. While most financial institutions would prefer to get all of the money they loaned to investors back in their pockets, they recognize this is not realistic. Gross and net charge, sometimes called gross charge-off and net-charge-off, are financial terms used by banks and other financial institutions to account for this type of bad debt.
A DirecTV satellite signal can be lost in certain situations, some within your control to rectify, some outside of your control. The first step you should take in this situation is to check all of the wires and cables connected to your DirecTV receiver and TV to ensure a loose wire or connector isn’t the cause of the problem. If everything is connected the way it should be, explore other reasons why your receiver cannot find a signal.
It's no overstatement to say that there's a lot of pressure -- both economic and emotional -- placed on proper retirement planning. The issues that surround preparing for and living your retirement can be very complex, and many people seek assistance from a financial planner to help them sort everything out. Financial advisers practice under a variety of names -- financial planners, investment advisers, trust fiduciaries and retirement specialists -- and they may play a number of different roles in your life both before and during your retirement. There are a few things to consider in deciding whether to request…
Salary and commission are two very different forms of compensation that some positions may offer. Find out the difference between salary and commission with help from an executive recruiter and career counselor in this free video clip.
Divorces can be complicated and painful for all involved. Get suggestions for dividing a house during a divorce with help from a licensed attorney who specializes in financial information in this free video clip.
"Lessee" and "Lessor" are two terms that are very clearly defined. Find out the definitions of lessee and lessor with help from a licensed attorney who specializes in financial information in this free video clip.
Businesses frequently allow customers to pay for goods and services over time without specifically stating any interest charges. However, when you accept periodic payments, the Internal Revenue Service assumes that the contract price reflects the time value of money, meaning the price includes interest charges for the payment delays. The IRS refers to these types of transactions as installment contracts and requires you to calculate the imputed interest on them using federal interest rates and present value computations.
The Ruby programming language, like languages such as PHP, Perl and Python, is a general purpose Web scripting language. Ruby excels at providing tools for developers to create dynamic Web pages and interactive forms. As part of an academic project, some programmers decided to map Ruby onto the .NET Microsoft framework. This project, called Ruby.NET, served as the basis for IronRuby. The evolution and implementation of these projects illustrates some of their differences.
Internal rate of return, abbreviated IRR, is a calculation often used to compare investments such as real estate and insurance policies. In simple terms, the IRR defines the growth of your investment as a percentage. The number is calculated from the value of the investment at the end of a time period, as opposed to the initial capital and any payments made during the period. Often IRR is calculated on a one-month term, and must be extrapolated into an annualized return for accounting purposes. Multiplying by 12 gives an approximate figure, but accurate calculations use a more complex equation.
Advanced math courses are often described by students as some of the most difficult classes in their curriculum. Many students find more concrete subjects easier to grasp and may shy away from opportunities to enroll in high-level math classes. To ensure that your students maintain their interest in your advanced math classes, you'll need to find out what engages them and how to keep them focused on the material.
A mortgage buyout can take several forms, depending on the circumstances of the borrower. A lender seeking to foreclose on a delinquent borrower may field offers for a foreclosure buyout to avoid a costly legal proceeding. A divorcing couple may also seek a mortgage buyout to cleanly divide property bought over the life of a marriage. Each circumstance requires approval either from a court or from the mortgage lender.
Rarely used toilets are perfect environments for mold growth. Water in the bowl might lead to mold growth at the water line, resulting in sooty black lines. The cool porcelain exterior might also cause condensation, or moisture buildup, if the basement air is warm and humid. Regular cleaning will keep mold growth to a minimum.
Achieving a high tangible net worth is an important feat for individuals and business owners because it's a sign of their financial success. A high tangible net worth also has its disadvantages, perhaps forcing the person or business to take steps to reduce it. In making the decision to reduce net worth, much thought must be given to the legal and moral reasons.
The Whirlpool Duet washing machine uses water in a variety of wash temperatures, specific wash cycles such as hand washables or heavy-duty cleaning, and extra rinse. However, water can appear in the washing machine tub when not in use because of a few possible problems with the Whirlpool Duet.
A company may use many financing methods to fund its business operation. Some companies take out notes, which include money borrowed from a bank or other type of creditor. In most cases, a company must pay interest on the money borrowed. A company must accrue interest on its accounting books for notes due in the future. An organization must understand how to calculate interest expense and accrued interest to get an accurate picture of its financial position.
Composite parts generate a significant amount of heat during the curing process. The ramp rate effect occurs when this heat raises to a level that damages the structural integrity of a part. Larger parts are susceptible to this effect because they require more epoxy resin. Controlling this effect is done by placing the part into a large oven and allowing the part to cure in a controlled environment. This prevents microcracking and allows the part to reach its peak strength.
Figuring out how much of your salary to put into retirement can be overwhelming. Often, people just put off starting their retirement savings plan for another day. This is risky business. The longer you wait to start saving, the more money in interest you miss out on, so developing an action plan as soon as possible is important.
The Cub Cadet 7275 tractor was made between 1995 and 1997 and has a diesel engine with a three-cylinder engine. The tractor has open-type hydraulics and a fuel tank capacity of almost eight gallons. The overall weight of the tractor is more than 2,600 pounds, and the unit comes with a CAT hitch. This allows the tractor to be attached to a backhoe as needed.
The HP 3070, developed by Altera, is a device used to test in-system programming as well as motherboard-level testing. For these boards, a sensitive fixture probe pin, also called a fixture interface pin, is used to test individual circuits on a board. If you wish to cover one of these pins and maintain its optimal effect, you should cover the pin as a last step in a simple cleaning process.
If a product requires repair or replacement and the issue with the product is covered under a warranty, the policy requires that the company incur this expense. Generally accepted accounting principles require that this warranty expense be matched with revenues received for the sale of the warrantied product. In order to do so, the company estimates future warranty expenses, recognizes the estimated warranty expenses in the period of the sale, and amortizes the expense to reflect actual warrantied repair costs over the life of the warranty.
As part of the accounting cycle, you must create various trial balances. After initially posting all transactions for the period to the general ledger, you need to prepare an unadjusted trial balance. You must create an adjusted trial balance after posting adjusting journal entries. Finally, after preparing financial statements and entering closing journal entries, you should prepare a post-closing trial balance. Each of these trial balances must contain matching debits and credits; otherwise, it is out of balance and must be corrected. If this happens, there are certain steps you can take to correct your trial balance.
Default ratio, also referred to as the "break-even ratio," indicates a property's vulnerability to defaulting on debt if its operating or rental income declines. This ratio indicates whether a property can earn enough investment returns to avoid liquidation. The lower the default ratio, the higher the chances an investor can earn operating income on the property. Lenders often use this ratio when considering whether to underwrite a loan for a real estate investment property. The break-even ratio is calculated using three variables: debt service, operating expenses and gross operating income. The maximum default ratio a property can reach without creating…
GAAP stands for generally accepted accounting principles. These principles are the guidelines for how financial statements are prepared by accountants and cover all facets of a business operation. Capital improvements are made in the course of operating a business and are an important financial consideration, as a company depreciates and recovers that investment for accounting purposes.
There are a number of ways that an organization or business can secure capital to run or to expand. Many choose to raise capital by offering stock to the public. Some organizations, however, choose to offer memberships as a way to raise operating expenses. When the members' equity shows as a deficit on the financial statement for the year, it is often a good indication that the organization is in financial trouble.
If you are running a business, it is not uncommon to sustain a loss of revenue in your first few years of operation. Losses are tracked through income statements generated by your accounting department. The two types of loss that could affect your business are net loss and gross loss. Understanding the types of financial loss and where you are sinking money into your business could help you turn things around and make a profit in the future.
When researching or studying firearms, the ability to predict the trajectory of a bullet is a major asset. There are many factors that impact the ability of a bullet to move through the air, such as the type of bullet, weight of the bullet and barrel twist. Environmental conditions, such as temperature, altitude and humidity also impact the path of a bullet. Calculating the trajectory of a bullet is so complex that the best way to approach the problem is to use a computer program to calculate the trajectory for you.
The federal government through the treasury charges banks when they borrow. Get prime rate interest tips with help from host Alexis Guerreros in this free video clip.
Whether you receive a salary or not is crucial to your pay and benefits, but usually the determination if you can be paid salary is left to federal law. In general, salaried workers tend to be better paid and receive more benefits, but salaried workers can receive the same fringe benefits and potentially earn much more. Depending on the details of the position, sometimes an hourly position is a much better choice.
An MBA is an expensive resume booster; whether you're looking to move up in your company or stay productive after a layoff, getting the extra letters might cost you more than you're able to recoup. Getting a well-paying job after graduation is never guaranteed, and if you have the security of a good job you might not want to leave it for the risky prospect of higher education. However, statistics show that most MBA graduates raise their incomes after getting the degree; whether it's worth it is a personal decision.
