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formulae for calculating semi variance wth a worked example
Try this link--http://www.efunda.com/formulae/finance/apr_calculator.cfm It will allow you to put in your figures and see if it comes close to the APR on your paperwork. You can also call the Dept of Finance in your state and talk to someone there if you feel that you have been over-charged. They may ask you to fax your loan papers to look them over.
A HELOC usually shows on your credit report as a mortgage, although sometimes it can report as revolving. Sometimes the same loan can appear differentl for each of the three different credit bureau companies. Generally it will affect your revolving debt on your credit report just the same as it would a credit card if it appears as revolving to a particular bureau. If it appears as a mortgage, then it will of course affect your score as a mortgage. The differences are not too great, but can widen the range of a tri-merge report. It is impossible to say exactly how much any one thing will affect your score as the formulae used to determine your scores are kept as closely held trade screts by these companies. It is extremely complex mathematics though and it is unlikely that any one type of loan would significantly effect your score more than another since the bureaus look at the overall credit profile.
A budget is a figure of money with the purpose of spending or saving, determined by regular expenses and your source of income. Creating a budget for yourself can be an effective way of saving money or pinpointing the areas in which you would like to make changes to regarding your spending habit. Creating a budget can be very easy using standard spreadsheet formulae, although in serious financial difficulty of inexperience, it is highly recommended you see someone like a financial adviser or your local bank branch, as they are the people who are most knowledgeable and experienced in this area. A simple savings budget can be created by doing the following in a spreadsheet: 1 - Make a list of all the regular payments that have to be made, which usually include weekly, monthly and quarterly, although you may like to add other intervals for other costs. 2 - Group these by interval type, and in the cell next to them type the amount of money required to pay them. 3 - How often do you get paid? (Don't worry, that wasn't a direct question! Remember to keep your details entirely confidential unless sharing with a trusted family member or financial adviser). Turn this into a figure of the above intervals mentioned (weekly, monthly). 4 - Create a table with twelve columns, one for each month of the year. 5 - Calculate how much will be paid each month, by multiplying the weekly expenses by four or five (depending on whichever month you're in), and leave the monthly expenses as they are. Put expenses made every few months or so at their correct intervals throughout the year. 6 - By subtracting all the expenses made each month from your salary per month, you get a savings figure, which effectively you can use as your budget. By not spending more than this on other miscellaneous things, you are not cutting into the "essential" money. For example, if you have a salary of $48,000 per year, your monthly salary would be $48,000/12, which is $4,000 per month. You would subtract the necessary expenses from this figure. 7 - It may help to have a visual representation of your budget in the form of a graph. Once again I reiterate, even though this answer is correct by no means must this advice be relied upon as professional advice, but it will help if you are starting work as a teenager and want to get a small taste of what financial independence is like. If you are in serious trouble, I would advise you, once again, to see a professional specialist in this area. Happy Saving!
EOQ is Economic Order Quantity. It represents the optimum quantity of materials or inventory items to purchase each time. The quantity to order will be driven by several factors such as: price per unit, volume discount available from the suppliers, rate at which the units are used by the purchaser, lead time from purchase to delivery / frequency of purchasing, availability from supplier / seasonality of supply, purchaser's liquidity, purchaser's storage ability, purchaser's carrying costs per unit, purchasing cost per unit (what it costs to place an order, receive the goods and process and pay the supplier), perishability and obsolescence factors. There could be others but these cover most. Take a simple example: Brown's Furniture produces one type of chair. A component of the chair is glue which comes in jars. Brown's uses 5 jars of glue per week and the cost to place and process the order through to invoice payment is $10. The price to purchase a jar of glue is $20 per jar for up to 19 jars per order and $15 per jar for quantities above 19 per order. If Brown's purchases one jar every day, the cost is $20 for the jar plus order placement costs of $10 = $30 total cost per jar If Brown's purchases 5 jars once per week, the cost is $20 for each jar plus order placement costs of ($10/5=)$2 = $22 total cost per jar If Brown's purchases 20 jars every 4 weeks, the cost is $15 for each jar (volume step pricing advantage) plus order placement costs of ($10/20=)$0.50 = $15.50 total cost per jar In this example, the EOQ is 20 jars each time. Consider though the implications if each jar had a shelf life after purchase of only 2 weeks. EOQ would then become 10 units even at the $20 per unit price because if Brown's purchased 4 weeks' supply (20 jars), 10 jars would be useless after 2 weeks and would have to be thrown out. There are a number of EOQ calculators on the web but typically are too simplistic. They are OK for answering exam and study questions which are simply based on formulae but they don't handle qualitative issues such as the shelf life of the glue in the above example.
What are the conventional formulae?
Direct labor cost is the salaries and wages of all workers directly involved in manufacturing of goods.
There are thousands of mathematical formulae.
You will find several formulae in the Wikipedia article on "derivative".
There are different formulae for calculating different kinds of energy.There are different formulae for calculating different kinds of energy.There are different formulae for calculating different kinds of energy.There are different formulae for calculating different kinds of energy.
Different figures have different formulae; here you will find formulae for the areas of some figures: http://en.wikipedia.org/wiki/Area#Formulae
Mainly, many magnitudes are related through different kinds of formulae. In advanced science you may have to derive your own formulae, but in more basic science, you just use existing formulae.Mainly, many magnitudes are related through different kinds of formulae. In advanced science you may have to derive your own formulae, but in more basic science, you just use existing formulae.Mainly, many magnitudes are related through different kinds of formulae. In advanced science you may have to derive your own formulae, but in more basic science, you just use existing formulae.Mainly, many magnitudes are related through different kinds of formulae. In advanced science you may have to derive your own formulae, but in more basic science, you just use existing formulae.
If it isn't a whole number than theres a constant in the formulae
what is the molecular formulae for 2-hydroxybenzoic acid
o2
Helium: He
The answer will depend on the shape n question. There are different formulae for some simple shapes, more complicated formulae for complex shapes, and you probably have to estimate for really complicated shapes.The answer will depend on the shape n question. There are different formulae for some simple shapes, more complicated formulae for complex shapes, and you probably have to estimate for really complicated shapes.The answer will depend on the shape n question. There are different formulae for some simple shapes, more complicated formulae for complex shapes, and you probably have to estimate for really complicated shapes.The answer will depend on the shape n question. There are different formulae for some simple shapes, more complicated formulae for complex shapes, and you probably have to estimate for really complicated shapes.