jcd11235

It's an excellent practice for exactly that reason. Math tutoring available. Only $6! per hour! First lesson: Factorials!

How did you reach that conclusion? Math tutoring available. Only $6! per hour! First lesson: Factorials!

"JAWS" will also do this and it's sharware Do you mean that Microsoft still hasn't seen fit to make this functionality a standard feature of the operating system? Wow. Unbelievable. Math tutoring available. Only $6! per hour! First lesson: Factorials!

It's been a while since you took a chemistry class, hasn't it. . You are right, It's been a while since my last chemistry class...but the quantum physics class I am taking right now isnt distant at all. Quantum mechanics does not allow for molecules of individual physical object to ever touch. Try again.. So perhaps you can explain how the nuclear force causes intermolecular repulsion. Math tutoring available. Only $6! per hour! First lesson: Factorials!

Same here, but I don't think we are typical in that respect. Edit to add: I don't own a television of any size. Whereas most smart phones strike me as phones that do some computer stuff, the iPhone strikes me as a mini-computer that does phone stuff. It is the mini-computer aspect that appeals to me. Still, right now it's not a priority, because I usually have my laptop with me, anyway. Math tutoring available. Only $6! per hour! First lesson: Factorials!

As mentioned already, your scanning software may have a save as PDF option. Alternately. you could scan them as jpg files, then print those files to PDF. Alternately you could convert them from jpg to PDF with the viewing software. by saving as PDF or exporting to PDF. Math tutoring available. Only $6! per hour! First lesson: Factorials!

Not many, but then no one has ever accused the typical American of being financially savvy. We do things like buy big screen televisions on credit at 15-20% or higher interest rates at a time when our own money can't even earn 5% in a savings account. Agreed. Personally, I think $40 per month is way too much to spend for my phone needs. I have full intentions of getting an iPhone, but not until I can use it easily as a Skype (or similar) phone on Wi-Fi with a pay as you go cellular plan. That would reduce the monthly charges to about $10 or less for me, since I almost always have a Wi-Fi signal available. Math tutoring available. Only $6! per hour! First lesson: Factorials!

Yep, $74 each month is $74 each month. And, $200 now is $200 now. But, we're not really considering $74. We're considering the value of $200 now or twenty-four monthly payments of $15, the difference between $74 and $59. That comparison is not as straightforward as $15*24 > $200. One doesn't need to open an account with enough money to cover all of the costs for the whole two years. One only needs to put the $200 plus the difference in the present values in the account. Then, they can withdrawal the $15 dollar difference each month for the duration of the contract. If they can't afford to do that, then they are likely limited to the 3G phone anyway, due to its lower cost of entry. There's no need for any accounting degree. This is all lower lever undergrad stuff, probably even taught in some high schools. Math tutoring available. Only $6! per hour! First lesson: Factorials!

Yes, it means your answer was incorrect. I did not calculate how much more or less AT&T's present value for the iPhone 3G is compared to previous models. I don't know what their hurdle rate is for their subsidization expenses and their payments. Considering that they likely have enough cash to justify receiving a higher interest rate than the average individual, they may, in fact, be making less money for the iPhone 3G. No, you weren't. You were considering $74 paid in 23 months to be equal to $74 paid today. That is not a valid method of comparison. Money in the future is not worth as much as the same amount of money paid today. For a meaningful comparison of apples to apples, one has to discount the value of future payments to their present value. Math tutoring available. Only $6! per hour! First lesson: Factorials!

It appears that while NYPD cops can use their badge as an excuse to commit murder, in Chicago, the cops can't even use theirs to get free coffee. Math tutoring available. Only $6! per hour! First lesson: Factorials!

He has 4 months and 22 days remaining to serve, according to one article I read. According to an article I read yesterday, he also has excellent grounds for appeal, since, among other reasons, the crimes he ended up being convicted of were not war crimes, and thus outside the jurisdiction of the military tribunal. Assuming no appeal, it will be interesting to see what happens when his sentence is up. If he is detained, it sends a message to the rest of the world that our justice system lacks justice. If he is released, it's another (much needed, IMO) blow to executive power. Math tutoring available. Only $6! per hour! First lesson: Factorials!

What hurdle rate are you using in your calculations in order to reach that conclusion? No hurdle rate, simple math: First gen iPhone: Unit price: $399 Cheapest Plan: $39 (450 min) Data Plan: $20 (200 SMS included) Two Year Contract Total: $1815 3G iPhone (8GB): Unit price: $199 Cheapest Plan: $39 (450) Data plan: $30 SMS Plan: $5 Two Year Contract Total: $1975 Ahh … Simple math -- often the quickest method to arrive at an incorrect answer. Let's us the formula: Present_Value = Price_of_phone + Monthly_subscription_payment * [(1+i)^0 + (1+i)^-1 + (1+i)^-2 + … + (1+i)^-23] where i is the hurdle (interest) rate per payment period. Ignoring sales and other taxes, let's use a hurdle rate of 3%, since ING Direct offers personal savings accounts at that rate. With a three percent hurdle rate along with the iPhone models and plans you mentioned, the 1st generation iPhone has a present value of $1428.18, and the iPhone 3G has a present value of $1489.83, a difference of only $61.66, a difference almost $100 less than your simple math yielded. For that $61.66 difference, the customer gets 3G network capability, real GPS, plus any other features available on the iPhone 3G that aren't available on previous generation iPhones. If interest rates increase over the next two years, that price difference decreases. If they decrease, the price difference increases. If the customer has no need for SMS texting, and excludes that from their monthly plan (assuming AT&T allows), the present value of the iPhone 3G and two year plan is reduced to $1402.61, $25.56 cheaper than the previous generation. (All results rounded up to nearest penny post calculation.) For those unaware, the present value of the iPhone and plan is the amount of money that would need to be deposited into an account now earning an interest rate equal to the hurdle rate in order for the initial price of the phone (purchased immediately) and all 24 AT&T service plan payments to be payable from the account with no further contributions (in this case, only contributions equal to taxes). Math tutoring available. Only $6! per hour! First lesson: Factorials!

I think it was one of his personalities that misspelled oops a few days ago (spelled it opps). Math tutoring available. Only $6! per hour! First lesson: Factorials!

It's been a while since you took a chemistry class, hasn't it. Your statement is not true. I'll leave it as an exercise for the reader to do the research to understand why. Even if it were, why should physical contact be necessary in order to exert force (e.g. stimulate our sense of touch)? I fall towards the earth before contacting the earth. Electricity can arc over gaps. Magnets can repel one another. We see things as solid despite atoms being mostly empty space for the same reason a hollow chocolate easter rabbit appears solid (at least until one starts eating it). The empty space is surrounded by a shell, and that shell reflects light. With the rabbit, that shell is chocolate. With an atom, that shell is the electron shell. Math tutoring available. Only $6! per hour! First lesson: Factorials!

Use Safari's (or, alternately, Demeter's if you're on a Mac) Private Browsing feature, and none of that stuff is even saved. It's not bulletproof against knowledgeable people actively searching for your browsing history, but it works quite well for the purpose you described. Math tutoring available. Only $6! per hour! First lesson: Factorials!

What hurdle rate are you using in your calculations in order to reach that conclusion? Math tutoring available. Only $6! per hour! First lesson: Factorials!

LOL Do you even know what Allah means? You have clearly demonstrated that you know nothing about Islam. Are you so insecure in your own beliefs that you cannot handle the knowledge that Islam, everything about which you have proclaimed to hate, is a religion in which its practitioners worship the same god as the Jews? Math tutoring available. Only $6! per hour! First lesson: Factorials!

Jews worship YHWH, not Jehovah. Unless, of course, you think that both names might actually reference the same god, in much the same way that YHVH and Allah do. You would do well to learn something about Islam before making such foolish statements about it. Math tutoring available. Only $6! per hour! First lesson: Factorials!

Muslims worship the exact same god that Jews worship. Buddhists don't worship any god. Math tutoring available. Only $6! per hour! First lesson: Factorials!

Therein lies the problem. (At least in America) Cops are like political candidates. Those worthy of the job rarely want it, so those that get the job generally aren't well suited for it. Math tutoring available. Only $6! per hour! First lesson: Factorials!

Surprisingly enough, some people might fail to see the humor in being awoken from their slumber to small explosions, third degree burns and burning beds. Math tutoring available. Only $6! per hour! First lesson: Factorials!

Everybody knows a hemp nettle is just a regular nettle that's more interested in getting stoned than getting laid. It's not really a different species. Math tutoring available. Only $6! per hour! First lesson: Factorials!

No, that's why I asked you to explain the difference. A reptile losing it's legs would be micro. A reptile becoming a mammal would be macro. Those are anecdotal examples. Please, explain the difference. What are the definitive characteristics that make macro-evolution different from micro-evolution? Micro evolution occurs within a species. Macro evolution occurs when a species becomes a completely different species (that is incapable of interbreeding). Could you please point out which reptile species has both legged and legless versions? Math tutoring available. Only $6! per hour! First lesson: Factorials!

No, that's why I asked you to explain the difference. A reptile losing it's legs would be micro. A reptile becoming a mammal would be macro. Those are anecdotal examples. Please, explain the difference. What are the definitive characteristics that make macro-evolution different from micro-evolution? Math tutoring available. Only $6! per hour! First lesson: Factorials!

No, that's why I asked you to explain the difference. Math tutoring available. Only $6! per hour! First lesson: Factorials!