respectively. Her monthly payment on an automobile loan is $375. What is Louise’s debt payments-to-income ratio? Is Louise living within her means? (LO 5.3) Louise’s Gross Income = $3‚000 Less: Income taxes = -700 Less: Social Security Tax = -250 Less: IRA contribution = -100 Net take-home pay = $1‚950 Her monthly payments on VISA‚ MasterCard‚ and a car loan add up to $500 per month. Louise’s debt payments to income ratio is 500 to 1‚950‚ or 25.6 percent. This ratio exceeds
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Reviews of Generation Debt Generation Debt argues that student loans‚ credit card debt‚ the changing job market‚ and fiscal irresponsibility imperil the future economic prospects of the current generation‚ which is the first American generation not to do better financially than their parents.[2] Some critics of Generation Debt have held that Kamenetz is not critical enough of her own perspective. A writer at Slate wrote‚ "it’s not that the author misdiagnose[s] ills that affect our society. It’s
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Guatemala and the U.N. Security Council The history of Guatemala in the United Nations began on November 21‚ 1945 (UN). There is not much history written about Guatemala in the United Nations‚ but it entered the U.N. shortly after its formation. The issue of Guatemala’s policy towards other nations is also pertinent to its role as a member of the United Nations. One of Guatemala’s key points when it comes to their foreign policy‚ is its insistence that it “maintain and foster links of cooperation
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increase in the average temperature of the Earth ’s atmosphere and its oceans‚ a change that is believed to be permanently changing the Earth’s climate. Some people do not believe that these are caused by human activities. They think it is all political and falsehood intended to cause panic among humans‚ some call it a hoax. (Dauncy & Patrick‚ 2001). But climate scientists looking at the data and facts agree the planet is warming. While many view the effects of global warming to be more substantial and
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Corporation “UNDERWATER ISLAND RESORT” A great place to stay in and a great place to enjoy and relax! Here at Underwater Island Resort which is located at the beautiful island of Bantayan in Cebu City‚ you will enjoy the great scenery and you will have a different vacation than ever! Underwater Island Resort that was being establish by Ms. Lovina M. Mercader last April 29‚ 2010 which offers a variety of services and treats for every guest who will be visiting the said resort. With Ms. Mercader’s
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macroeconomic stability of the country‚ promote economic growth‚ and develop a mechanism for equitable distribution of income. The main tools to achieve these objectives are variation in public revenue‚ variation in public expenditure‚ and management of public debt. These are reflected in the budgetary operations of the government‚ prepared and implemented on year-on-year basis. In the initial years of independence‚ the government of Bangladesh had to spend a large amount of its resources in reconstruction and
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Support during labor is highly recommended a. What is a doula? What do they do during the birth? What qualifications do they usually have? A doula is a professional trained in childbirth who provides emotional‚ physical and informational support to the mother who is expecting‚ is experiencing labor‚ or has recently given birth. The doula’s purpose is to help women have a safe‚ memorable and empowering birthing experience because she recognizes birth as a key experience the mother will remember all
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dis-coordination • Non-unionized environment can cause certain expectation or suggestion unnoticed • Customized benefit & compensation can cause high innefficiency in operation • Targeted system interview that is focused on the value of the company‚ that in effect aiming labour from outside of the industry can cause several problem start from inexperience‚ unmatch cultural fit‚ and certain competency unfulfilled Alternative • Periodict training and equipment update – meaning at planned time • New
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Operating Systems Name: Deyong Xu ID: 103816 PREFACE This article is just an introduction of Unix operating system to people who don’t any knowledge about Unix operating system . Generally speaking ‚ people don’t need to understand too much about the details about a software or a system ‚ the most important thing is people should know how to use these software or systems as a user . So what I’m going to do is to offer a little help to people who know nothing about Unix system and try
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Why do entities choose the type of investment or source of funds that they do? Are there any other choices? Do these other choices exist? Why do they exist? Funds may travel from surplus entities to deficit entities‚ but why does this happen‚ and how. Surplus entities choose the type of investment to financially benefit themselves‚ as do deficit entities‚ choose the best finance of funds available to them with the lowest penalty. Not always is this choice available. Most of the types of investment
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