Time value of money

Arbor's Oklahoma City Office Originates Nearly $30 Million in Loans Arbor Commercial Mortgage, LLC (“Arbor”), national direct commercial real estate lender, announced in November that it funded six loans totalling nearly $30 million. Under the Fannie Mae DUS Small Loan, Freddie Mac Small Balance Loan, and FHA 223(f) programs, the mortgage company was able to secure the funding across multiple cities in Michigan -- with Vice President Mike Jehle of Arbor’s Oklahoma City office originating the…

1. Identify at least two differences between these two definitions of poverty. 2. What do you think are the "necessities of human life?" Are there necessities of human life that are different than the necessities of, say, a dog's life? If so, what are they? 3. Work out how much it would cost to live on your own for a month. What would you need (or want) for this month and what would it cost? (Include essentials like rent, food, and medical and non-essentials like entertainment or going out to…

within the organization. - Identifies and eliminates wasteful and obsolete operations. - Zero-based budgeting helps in identifying areas of wasteful expenditure, and can also be used for proposing alternative courses of action. Disadvantages - More time-consuming than incremental budgeting. - Justifying every line item can be problematic for departments with intangible outputs. - Requires specific training, due to increased complexity vs. incremental…

evaluated. First, the projected cost of the machine is $300,000 which includes $40,000 of modification. The estimated life of the machine is seven years with a salvage value of $30,500. The cash outlay for the machine the first year will be $305,000 then depreciation of $32,786 for seven years ending with an after-tax salvage value of $18,300. Next, earnings are estimated to be $60,000 per year before interest, depreciation, and taxes (EBITDA). As indicated previously, depreciation is…

TEXTING WHILE DRIVING The minimal time to look at a text message is 5 seconds. Taking your eyes off the road for 5 seconds at 45 mph or above can be crucial. Driving while over 45 mph means that you are driving a football field distance in 10 minuets. Without looking at the road , you are putting your life and others lives in danger. You should always look at the road. Texting while driving should be a crime in the Missouri. People should care more about the lives of others and the…

is to consider zero-coupon bonds, which don't pay coupons but derive their value from the difference between the purchase price and the par value paid at maturity. ("Why do interest rates tend to have an inverse relationship with bond prices? | Investopedia," n.d.) For instance, if a zero-coupon bond is trading at $950 and has a par value of $1,000 (paid at maturity in one year), the bond's rate of return at the present time is approximately 5.26% ((1000-950) / 950 = 5.26%). ("Why do interest…

Telling Time in Spanish To ask for the time, you will usually say “¿Qué hora es?” To tell time, you use the feminine articles “la” and “las” and the verb “ser”. To say one o’clock, you use “es”, the third person singular form of “ser”. To express all other hours, you will use “son”, the third person plural form of “ser”. Thus: It is one o’oclock. Es la una. It is four o’cl0ck. Son las cuatro. It is eleven o’clock. Son las once. After passing an exact hour, the minutes can be expressed…

fourth intersection the integral is equals to area 3+ area 1-area 2-area4. Area 4 is equals to (240-210) * (0.7-0.6) = 3, therefore, the integral is equal to 12+6-6-3=9. Finally, at the last intersection area 5 (300-240) *(0.8-0.7) =6 is added to the value of the integral. for all has been verified and can conclude that investment 2 dominates investment 1 by…

1. Growth Vs. development: Growth • Growth is quantitative term, which is concerned with the material and financial aspect i.e. income of the individual. It is measured in per Capita income and GDP. • Growth is Natural term, by certain time it will happen without any forces. • Growth of an economy means increase in production for market or any institution. • Growth may lead to development. But is not necessary. • Growth is concerned with increase in the economy's output. Development •…

Fig.3 illustrates that the unsteadiness parameter reduces the dimensionless film thickness . Also, for critical value of the unsteadiness parameter the film thickness tends to zero. This implies the film thickness vanishes that this critical value and then the motion becomes impossible. One of the main objectives of this study is to discuss the surface tension effect, according to thermosolutal Marangoni convection effect, on the motion. The increase of the temperature surface tension…