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What does it mean whenit says this in math estimate the unit rateif a 26-mile marathon was completed in 5 hours?
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Rhoda Torphy
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How do companies determine wages for employees?
By the equilibrium between supply and demand for workers
How To Refinance Mortgage Rates?
In today's economy, you need to try to save money wherever you can, and refinancing your current mortgage is one great way to start. Depending on when you purchased or last refinanced your home, chances are that today's rates are substantially lower than what you are currently paying. You can easily check and compare by looking at your current mortgage payment stub, which should show your current rate. Take this rate and compare it to others online.How to shop for a lower interest rateIf your current rate is higher than today's market rates, consider refinancing. It can save you thousands of dollars over the life of your loan. Choosing a company to help you refinance requires care and plenty of research. The best place to begin your search is online. Google "interest rates" for a long list of possible choices that also give you additional information to help you pick a lender. If you prefer to deal with someone face to face, pick up your local phone book and look under "mortgage lenders" for a list of all the local lenders in the area.Do your research before you decide to use the services of a particular lender. Do not have one lender start working on your loan while you are still "shopping" as this is unfair to the lender and can hurt you in the end. The time is right to refinance your current loan, and reap the benefits of a lower interest rate. Not only can it save you thousands of dollars, it can also help you get out of debt faster. Do yourself a favor and check to see if you qualify to refinance your current loan, and take advantage of what the market is offering you today.
Which factors affect population size?
3 factors are: Water Natural environment Economic development/technology Water is the number one factor if a country doesn't have easy access to water it is more likely to not have a dense population like wise if it does it will be more populated. Natural environment is another contributing factor. If the land has infertitle soil, extreme climate, etc. then it is likely to not have many people. Countries with higher population densities are the opposite. Another factor is economic development/technology; industrialized means higher levels of technology; therefore have better health care, education, more job opportunity, etc. In dense population densities; less industrialized means large families to share jobs, therefore increases population faster.
Save on Ground Shipping Rates When Shopping Online?
Shipping charges can make or break an online order. Finding a good deal suddenly becomes moot if you get to the checkout and discover that the cost of shipping negates the money you thought you were saving. In order to get the best overall price on Internet orders, you must take shipping into consideration.By Weight vs. Flat RateIf you have a choice between a site offering flat rate shipping versus one that charges by weight, the best way to save money is to consider what you’re ordering. A single heavy item may cost less with a flat rate, whereas a handful of smaller items may ship more cheaply by weight. Often the best way to know for sure is to add what you want to your cart and begin the checkout process to calculate shipping charges to your area.Free Shipping DealsMany online retailers offer free shipping when you spend a certain amount. Sometimes this can equate to being able to purchase more items for less money. For example, if you spend $40 on a website that offers free shipping on orders over $50 and discover that shipping will make your order cost at least that much, you might as well spend another $10 to save the shipping cost. This way, you can get more for your money rather than wasting it on shipping charges.Shop AroundWhen searching for the best deal on an item on the Internet, be sure to use a search service such as Google Shopping that displays shipping charges in addition to item prices. These services allow you to search for what you want from a huge variety of online retailers and sort by total price, so that you’ll know exactly what you can expect to pay without having to visit site after site. This makes comparison shopping quick and easy.All it takes to get the best shipping price on your next online order is a little savvy shopping. By taking a little time to shop around, you can save yourself both money and hassle in the long run.
How To Save Money On A TV Package?
Because of the current financial situation, many families are cutting back on unnecessary expenses. One way that families can save money is by paying less for their TV package. Although canceling their TV service altogether would help families save the most money, many families find that because they are spending more time at home, they want to keep their TV service and cut back on other entertainment expenses. Here are a few ways you can save on your family's TV package while still enjoying the programming you love.Comparison Shop For A Lower RateOne of the easiest ways to save money on a TV package is to compare rates. If you have several cable providers in your area, call each one and ask for a quote. If your area is only serviced by one cable provider, you can look into satellite options. By exploring your options you will be able to determine which company offers the cheapest TV packages.Ask Your Cable Or Satellite Company For A Lower RateIf you do not want to change television service providers, call your current company and ask them for a lower rate. The company is probably eager to keep your business and might be willing to lower your rate in order to retain you as a customer. It does not cost any money to ask your current TV package provider to reduce your monthly rate, and you might just save a lot of money.Stop Paying For Channels You Do Not WatchConsider switching to a TV package with fewer channels. Generally, basic cable and satellite packages are cheaper than packages that come with many movie and specialty channels. If you primarily watch programming aired on the standard networks, you might be paying for many channels that you do not even watch.Consider AlternativesAnother way to save money on your television service is to look into alternatives. Some companies offer streaming content through the internet. These plans are usually much cheaper than traditional cable and satellite packages. Look into plans that let customers stream unlimited movies and television shows through the internet, and see if this type of package would be a good option for your family.
What is is one of the first symptoms of hypothermia?
One of the first symptoms of hypothermia is clumsiness and lack of coordination. Other symptoms include shivering that stops, slurred speech, confusion, and drowsiness.
Figure A Loan Amortization Schedule?
Amortization is the mathematical process used to calculate steady payment amounts for a loan. If a customer is financing a car, boat or piece of real estate the loan will carry an annual percentage rate. The annuity formula is used to create a flat payment amount for each month the loan is in effect. Each successive year the loan payments will remain the same, however the ratio of interest to principal will change.Based On Annual Percentage RateIf an individual is purchasing an automobile and finances a total of $15,000 at 10 percent interest for a period of five year, he or she will make 60 monthly payments. Each year the borrower must pay 10 percent of the remaining loan balance in the form of interest. This means the interest paid over the first 12 months will be $1,500.The borrower will pay more than $1,500 over the first 12 months because he or she will be paying down the balance to some degree. Approximately $3,824 will be paid in total each and every year the loan is in effect, or about $319 per month. This also means the principal is reduced by $2,324 during the first year of the loan. After 12 months the loan balance will be approximately $12,675. During the second year 10 percent of this total must be paid as interest. Over the life of the loan the total amount paid will be about $19,140. This means approximately $4,140 was paid in interest. The amount of the monthly payment never changes and remains at $319.Online Loan CalculatorsThese are useful tools for comparing different monthly payment amounts based on the interest rate and loan term. Some lenders will offer several different loan periods for an automobile purchase, ranging from 48-72 months. The customer can calculate how much interest will be paid overall during the life of the loan. This can also come in handy for those considering a refinance loan. Refinance lenders often make different interest rates available depending on the loan period.Simple Interest Loans And Adjustable RatesThe amortization formula can be used to create loan calculators for many different types of financing. Some mortgages are fixed-rate while others have a sliding scale, intended to work as an equity building tool. If a homeowner has an adjustable rate mortgage and the future interest rate has been estimated, loan calculators can quickly show what the new interest fee total will be.
What Determines a Car Insurance Rate?
Car insurance is required for anyone with a driver’s license wishing to operate a motor vehicle in the United States and most westernized countries. When car insurance rate is determined, there are several factors companies will take into consideration include driving record, credit history and length of uninterrupted time covered by auto insurance.Driving Record and Car Insurance RateWhen applying for car insurance, rate will be dependent upon previous driving record. This includes length of time the driver has been licensed to operate a vehicle, age when license was issued and violations – both moving and accident. Operators with longer good driving histories tend to earn a lower car insurance rate. Older drivers also typically qualify for lower prices. If a driver has a history of moving violations or accidents, car insurance rate can be significantly higher and driver’s can be placed in the high risk category.Credit History and Car Insurance RateRecently, insurance companies have started using credit scores to weed through car insurance applications. Applicants with higher credit scores tend to be more apt to pay bills on time and have a better control on finances which could equate to more control on the road. Bad credit scores may raise car insurance rate amounts or disqualify a driver from coverage.Length of Time Covered by Uninterrupted Auto InsuranceIf a driver has kept continuous auto insurance without any lapses in coverage, the car insurance rate will most likely reflect this as a lower rate. Lapses in auto insurance coverage could mean the driver chose to operate a motor vehicle without coverage which is against the law. Insurance companies have access to all previous insurance policies approved for a given driver’s license or applicant and thus lying on the car insurance application could lead to higher rates or refusal for coverage.Lowering a High Car Insurance RateIf drivers wish to lower a car insurance rate, they will need to work on the problem that caused the higher rate in the first place. If the rate is higher due to credit problems, fixing those problems and raising credit score could impact car insurance rate. If violations or accidents are the reason, over time these will disappear from driver records and no longer be an issue when a car insurance rate is figured.
How do you find compound interest?
The formula for compound interest is:A = P * ( 1 + ( R / N ) )^( N * T )whereA = amount of money accumulated after n years, including interest.P = principal amount (the initial amount you borrow or deposit)R = annual rate of interest (as a decimal)N = number of times the interest is compounded per yearT = number of years the amount is deposited or borrowed for.Example:"John Doe invests $100 in an account earning interest at a rate 4% every 6 months. Calculate the value of his investment a the end of 4 years." ...A = amount of money accumulated after n years, including interest.P = 100R = 4 / 100 = 0.04N = 2T = 4so...A = P * ( 1 + ( R / N ) )^( N * T )A = 100 * ( 1 + ( 0.04 / 2 ) )^( 2 * 4 )A = 100 * 1.02^8A = 100 * 1.171659381A = 117.17So the answer is $117.17Compound interest formula is A = P (1 + r/n)nt. P is principal, r is annual rate of interest, t stands for number of years, A is the amount, including interest, that accumulates over x amount of years, and n is the number of compounding per year.
What are benefit's of market?
THE BENEFITSIt is no exaggeration to describe e-marketing as a revolution for the marketing industry. For the first time, it gives businesses of any size access to the mass market at an affordable price and, unlike TV or print advertising, it allows truly personalised marketing. Specific benefits of e-marketing include:GLOBAL REACHIf you build a website you can reach anyone, anywhere in the world, provided they have internet access. This allows you to tap new markets and compete globally with only a small investment. This can be particularly useful for niche providers, companies whose products can be posted easily, or businesses who are looking to expand geographically but cannot afford to invest in new offices or businesses.LOWER COSTA properly planned and effectively targeted e-marketing campaign can reach the right customers at a much lower cost than traditional marketing methods. You can build a website for as little as a few hundred pounds or send e-mail for a fraction of a penny.TRACKABLE, MEASURABLE RESULTSMarketing by e-mail or banner advertising makes it easier to establish how effective your campaign has been. If someone clicks on a banner advert, or a link in an e-mail or on a website, you can see how they arrived at your website. This detailed information about customers' responses to your advertising allows you to assess the effectiveness of different campaigns.24-HOUR MARKETINGWith a website your customers can find out about your products even if your office is closed.SHORTER LEAD TIMESIf you have a website or an e-mail template, you can react to events much more quickly - giving your marketing a much more contemporary feel. If one of your products is in the news or something important happens in your industry, you can capitalise on it without having to print or post anything.A LEVEL PLAYING FIELDWith a well-designed website, you can show yourself to be as professional and credible as your larger competitors.PERSONALISATIONIf your customer database is linked to your website, then whenever someone visits the site, you can greet them with targeted offers. The more they buy from you, the more you can refine your customer profile and market effectively to them. A great example of this is Amazon's website which suggests products based on your and other people's previous purchases.ONE-TO-ONE MARKETINGE-marketing lets you reach people who want to know about your products and services instantly - you don't have to wait until they come home from work and switch on the TV or open their mail. People have a different, more personal relationship with most new technologies. For example, many people take mobile phones and PDAs wherever they go, and a surprising number feel lost without their e-mail. Combine this with the personalised aspect of e-marketing, and you can create very powerful and targeted campaigns.MORE INTERESTING CAMPAIGNSE-marketing lets you create interactive campaigns using music, graphics and videos. You could send your customers a game or a quiz - whatever you think will interest them. One of the great successes of e-marketing has been film companies letting people download trailers for forthcoming movies. Other small companies have picked up this idea - a radio controlled car company sends customers designs or photos of new products in development while clothingcompanies send out sneak previews of the new season's range.BETTER CONVERSION RATEIf you have got a website, then your customers are only ever a few clicks away from completing a purchase. Unlike other media which require people to get up and make a phone call, post a letter or go to a shop, e-marketing is seamless. The change from reading an e-mail to buying on a website is negligible - no special effort is required, meaning that your call to action can be much more direct. Together, all of these aspects of e-marketing add up to one thing:more sales.
What are market benefits?
THE BENEFITSIt is no exaggeration to describe e-marketing as a revolution for the marketing industry. For the first time, it gives businesses of any size access to the mass market at an affordable price and, unlike TV or print advertising, it allows truly personalised marketing. Specific benefits of e-marketing include:GLOBAL REACHIf you build a website you can reach anyone, anywhere in the world, provided they have internet access. This allows you to tap new markets and compete globally with only a small investment. This can be particularly useful for niche providers, companies whose products can be posted easily, or businesses who are looking to expand geographically but cannot afford to invest in new offices or businesses.LOWER COSTA properly planned and effectively targeted e-marketing campaign can reach the right customers at a much lower cost than traditional marketing methods. You can build a website for as little as a few hundred pounds or send e-mail for a fraction of a penny.TRACKABLE, MEASURABLE RESULTSMarketing by e-mail or banner advertising makes it easier to establish how effective your campaign has been. If someone clicks on a banner advert, or a link in an e-mail or on a website, you can see how they arrived at your website. This detailed information about customers' responses to your advertising allows you to assess the effectiveness of different campaigns.24-HOUR MARKETINGWith a website your customers can find out about your products even if your office is closed.SHORTER LEAD TIMESIf you have a website or an e-mail template, you can react to events much more quickly - giving your marketing a much more contemporary feel. If one of your products is in the news or something important happens in your industry, you can capitalise on it without having to print or post anything.A LEVEL PLAYING FIELDWith a well-designed website, you can show yourself to be as professional and credible as your larger competitors.PERSONALISATIONIf your customer database is linked to your website, then whenever someone visits the site, you can greet them with targeted offers. The more they buy from you, the more you can refine your customer profile and market effectively to them. A great example of this is Amazon's website which suggests products based on your and other people's previous purchases.ONE-TO-ONE MARKETINGE-marketing lets you reach people who want to know about your products and services instantly - you don't have to wait until they come home from work and switch on the TV or open their mail. People have a different, more personal relationship with most new technologies. For example, many people take mobile phones and PDAs wherever they go, and a surprising number feel lost without their e-mail. Combine this with the personalised aspect of e-marketing, and you can create very powerful and targeted campaigns.MORE INTERESTING CAMPAIGNSE-marketing lets you create interactive campaigns using music, graphics and videos. You could send your customers a game or a quiz - whatever you think will interest them. One of the great successes of e-marketing has been film companies letting people download trailers for forthcoming movies. Other small companies have picked up this idea - a radio controlled car company sends customers designs or photos of new products in development while clothingcompanies send out sneak previews of the new season's range.BETTER CONVERSION RATEIf you have got a website, then your customers are only ever a few clicks away from completing a purchase. Unlike other media which require people to get up and make a phone call, post a letter or go to a shop, e-marketing is seamless. The change from reading an e-mail to buying on a website is negligible - no special effort is required, meaning that your call to action can be much more direct. Together, all of these aspects of e-marketing add up to one thing:more sales.
What are the benefits of emarketing?
THE BENEFITSIt is no exaggeration to describe e-marketing as a revolution for the marketing industry. For the first time, it gives businesses of any size access to the mass market at an affordable price and, unlike TV or print advertising, it allows truly personalised marketing. Specific benefits of e-marketing include:GLOBAL REACHIf you build a website you can reach anyone, anywhere in the world, provided they have internet access. This allows you to tap new markets and compete globally with only a small investment. This can be particularly useful for niche providers, companies whose products can be posted easily, or businesses who are looking to expand geographically but cannot afford to invest in new offices or businesses.LOWER COSTA properly planned and effectively targeted e-marketing campaign can reach the right customers at a much lower cost than traditional marketing methods. You can build a website for as little as a few hundred pounds or send e-mail for a fraction of a penny.TRACKABLE, MEASURABLE RESULTSMarketing by e-mail or banner advertising makes it easier to establish how effective your campaign has been. If someone clicks on a banner advert, or a link in an e-mail or on a website, you can see how they arrived at your website. This detailed information about customers' responses to your advertising allows you to assess the effectiveness of different campaigns.24-HOUR MARKETINGWith a website your customers can find out about your products even if your office is closed.SHORTER LEAD TIMESIf you have a website or an e-mail template, you can react to events much more quickly - giving your marketing a much more contemporary feel. If one of your products is in the news or something important happens in your industry, you can capitalise on it without having to print or post anything.A LEVEL PLAYING FIELDWith a well-designed website, you can show yourself to be as professional and credible as your larger competitors.PERSONALISATIONIf your customer database is linked to your website, then whenever someone visits the site, you can greet them with targeted offers. The more they buy from you, the more you can refine your customer profile and market effectively to them. A great example of this is Amazon's website which suggests products based on your and other people's previous purchases.ONE-TO-ONE MARKETINGE-marketing lets you reach people who want to know about your products and services instantly - you don't have to wait until they come home from work and switch on the TV or open their mail. People have a different, more personal relationship with most new technologies. For example, many people take mobile phones and PDAs wherever they go, and a surprising number feel lost without their e-mail. Combine this with the personalised aspect of e-marketing, and you can create very powerful and targeted campaigns.MORE INTERESTING CAMPAIGNSE-marketing lets you create interactive campaigns using music, graphics and videos. You could send your customers a game or a quiz - whatever you think will interest them. One of the great successes of e-marketing has been film companies letting people download trailers for forthcoming movies. Other small companies have picked up this idea - a radio controlled car company sends customers designs or photos of new products in development while clothingcompanies send out sneak previews of the new season's range.BETTER CONVERSION RATEIf you have got a website, then your customers are only ever a few clicks away from completing a purchase. Unlike other media which require people to get up and make a phone call, post a letter or go to a shop, e-marketing is seamless. The change from reading an e-mail to buying on a website is negligible - no special effort is required, meaning that your call to action can be much more direct. Together, all of these aspects of e-marketing add up to one thing:more sales.
