I am Sam
What’s eating Gilbert Grape
A beautiful Mind
for this paper you will write about 5 big ideas or learning opportunity’s from 5 movies that displayed people Essay
for this paper you will write about 5 big ideas or learning opportunity’s from 5 movies that displayed people with mental and physical disability’s. I ask that you take the big ideas from the movies listed below.
I am Sam
What’s eating Gilbert Grape
A beautiful Mind
Loan Project: Buying a House
Task 1: Find a description, asking price, and real estate taxes of a house for sale, and decide on a purchase price you would be willing to pay (assuming you have the means). Find a current market interest rate for a 30-year fixed-rate mortgage having a down payment of 20 percent of the purchase price. [By the end of Week 2, post your work on Task 1 as a main topic in the Loan Project conference.]
Task 2: Compute the down payment, amount financed, and the monthly mortgage payment (showing how to apply the appropriate financial formula and showing the calculations).
Task 3: Compute the monthly amount of real estate taxes and add to the monthly mortgage payment to get the total monthly amount paid. [Real estate taxes are typically assessed annually by the jurisdiction where the property is located. The taxes are usually collected by the mortgage lender along with the monthly mortgage payment.]
Task 4: Suppose that in order to qualify for the loan, the total monthly amount paid cannot exceed 30 percent of monthly income. What is theminimum monthly income needed to qualify for the loan? What is the minimum annual income needed? (Note: This is a simplified minimum income requirement calculation, for the purposes of this project, as it does not take into account other costs such as insurance or other loans or assets currently held. The idea is this: Before granting a mortgage, the lender wants to be reasonably sure that the borrower can afford the home, and a typical benchmark is that the total monthly amount paid, including real estate taxes, does not exceed 30% of monthly income.)
Task 5: Construct an amortization table for the mortgage(using spreadsheet software or online resources such ashttp://www.bankrate.com/calculators/mortgages/mortgage-calculator.aspx). Note that the monthly mortgage payment in the amortization table should match the value you calculated in task 2.
Task 6: Referring to your amortization table, state the month and year of the first payment. Find the date of the first month when the amount applied to the principal exceeds the amount of interest paid. How many of the 360 payments have been made at this point?
Task 7: Calculate the unpaid balance after 24 years, rounded to the nearest dollar (showing how to apply the appropriate financial formula and showing the calculations). What percentage of the amount financed is still unpaid? Note: You should check your answer for the unpaid balance by consulting your amortization table, but you must show how to calculate the value in your project.
Task 8: Assuming that the mortgage is held for the full 30 years, compute the total principal paid and the total interest paid.
Task 9: Conclusion: Write a summary describing the results, particularly those you found to be most interesting, and why.
Your project must include
•name of project and your name
•house’s description, asking price, and real estate taxes, the purchase price, and the current market interest rate (include references)
•computations and answers for tasks 2, 3, and 4, amortization table for task 5, answers for task 6, and computations and answers for tasks 7 and 8
•task 9 (conclusion)
The project is graded on the basis of 100 points.
EXTRA CREDIT (Optional, can earn up to 10 points)
For extra credit, work on one or two additional scenarios described below, carrying out (1), (2), and (3) —
Scenario: Smaller down payment. Suppose the down payment is just 10% of the purchase price rather than 20%.
(1) Show how to find the monthly payment (assuming a 30-year mortgage with the same interest rate as before).
Scenario: Shorter term. Suppose the loan is a 15-year fixed rate mortgage rather than 30 years.
(1) Show how to find the monthly payment (assuming a 20% down payment with the same interest rate as before).
(2) Make a table to compare the results of your scenario(s) with the results for your original loan calculation. (See the Sample Loan Project for details.)
(3) In your conclusion, be sure to describe in words what you find striking in comparing the results of the scenario(s) with the original loan results.
25 Elements – What Do Muslims Believe by Sarda
25 Religious Elements Step One: For each of the five books for this semester, you will submit a typed document of 25 different “religious elements” directly from the book. A religious element might be a particular belief – such as the belief in God (psycho-spiritual); another element might be a particular practice, such as yoga (practices); or a sacred text or story, such as the Bible in Christianity or the Ramayana in Hinduism (social); or individuals, events, places, etc… For each element, you should write a brief description from the book and the page number from the book that you found that element. Your list should include only religious elements. Step Two: I want you to highlight in color each of your 25 elements according to the types of religious elements – physical, social, psycho-spiritual and practices. Here is the color pattern with examples: Physical (symbols; objects; smells; places; food; etc…): RedSocial(people; groups; movements; books; sects; etc…): BluePsycho-Spiritual (beliefs; ideas; morals; stories; teachings): YellowPractices(prayer; meditation; festivals; rituals; etc…): GreenSome of your elements might overlap with two or more, which isok. Just include one of the colors. When you are done, submit your typed list into the D2L Assignments-Assessments folder by the due date. You will receive 1 point for each religious element successfully listed, referenced, highlighted and defined. The assignment is worth 25 points total (1 point for each element). Please follow the attached instructions and use KOBO with login credentials I provided
Mass Merchandising Industry
APA format (In-text as well as a Reference page)
Must use scholarly references (No wikepedia, about business,com, etc)
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