5 Classroom Games for Test Prep

How Much House Can You Afford - 2581 Words

How Much House Can I Afford? If you re thinking about buying a house, there are a few things to factor in before you fall in love with your dream home. Using a home affordability calculator can help you not only determine how much of a mortgage you can afford, but help you narrow down your search which is important when dealing with the hot Silicon Valley real estate market. Using the calculator below will help to determine your potential mortgage based on your monthly expenses, income, and other factors like your projected property taxes, home owner s insurance and other payments. This can give you an idea of what you can afford and what will fit your budget. (INSERT HOME AFFORDABILITY CALCULATOR HERE†¦) Determining how much house can†¦show more content†¦They assess this to determine how much additional debt you can take on, i.e., the front end. Ideally, it shouldn t be more than .28 or 28%. Determining your back-end ratio This is the total of all the payments from your debt-to-income ratio and your front-end-ratio. These are added and then divided by your monthly salary to determine how much total you will be able to afford. Ideally, it shouldn t be more than .36 or 36%. These totals aren t set in stone and each case may be different depending on the type of work you do and your specific circumstances. You may have higher debts and still get approved if you have a proven and consistent payment history. Factoring in your credit report Another area that lenders will look at is your credit report and your history to see how consistent you are with bill payments. This will help to determine your interest rate. Ideally, your credit report from the 3 bureaus should come out about 740, but if it s higher, that s even better. Your down payment An additional factor that s looked at is your down payment as a larger down payment will give you a smaller loan to pay off and smaller monthly payments. For some potential home owners, this is good news if they want to put down more than 10%, which is the average. Putting down 20% may help with the type of home you can afford. There are loan types that allow for 3-5% as a down payment. This is definitely something to look into if you know you

Importance of Electronic Medical Records (Sample Solution)

Question: why it is important for healthcare professionals to use electronic health records? Answer: Importance of Electronic medical records Electronic medical records (EHR) are paperless, computerized system of maintaining patient medical records and history. These are designed to increase efficiency and to reduce documentation errors. Health records tell your health professional about your medical history. Electronic health records (EHR) can be easily be exchanged with other clinicians to provide better attention and prophylactic. An existing electronic health record would save time at the doctors office. EHR provides quick access to our records, contained information such as blood type, allergic condition, and medical history, which can be lifesaving in emergency decision making situations (Health IT.Gov.,2014). In the past, doctors received medical information by asking your medical history. Every time you visit a new doctor's office, you filled out forms about your history, surgeries, allergic conditions and drugs you took on a regular basis. Sometimes you forget to tell a bit of information, which might not seem useful to you, but can be a lifesaver in emergency situations. In recent times, the doctor prepares electronic health records (EHR) which can be shared, just by asking your name, date of birth and identifying marks. This complete EHR can be used anywhere and by doctors and patient itself. This could assist in minimizing preventable medical mistakes and avoiding duplication of treatment or operation. This will also avoid bulky storage of medical records. EHR provides opportunity to interact smoothly with affiliated hospitals, labs, doctors and pharmacies. It helps healthcare providers to improve productivity and work life balance so that they can meet their business goals (About he alth, 2015). References About health, 2015, The benefits of Electronic health records, https://patients.about.com/od/electronicpatientrecords/a/EMRbenefits.htm. Health IT. Gov.,2014, what are advantages of electronic health records?, https://www.healthit.gov/providers-professionals/faqs/what-are-advantages-electronic-health-records.

The Economic Effects of the Olympics free essay sample

The Olympic Games is a sporting event that attracts worldwide attention. People travel from different parts of the world to participate in the Games, or to watch and support. Countries that are hosting the Games have to prepare to welcome this great number of visitors. They also have to set up all the equipments that would be needed. Hosting the Olympics is an expensive project, and it always leaves an effect on the host country. These effects may or may not be associated to the Games, and there are positive and negative effects. The area most affected by the event is the economics of the hosting country, as well as that of participating countries. The government and environment are other strongly affected areas. Determining whether the effects are advantageous or disadvantageous depends on the perspective of the viewer. Throughout the history of the Olympics, each hosting country has experienced a different effect. We will write a custom essay sample on The Economic Effects of the Olympics or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Regardless of some disasters linked to hosting the Games, countries still continue to desire to be hosts. Hosting the Olympics, in other words, is throwing the world’s largest party—and paying for it. As amusing as this may sound on the surface, financially, it does not sound especially attractive. However, there are different reasons to why a country would want to host the Olympics. Nowadays hosting the Games is like a business investment. It is a country’s way of putting itself â€Å"out there. † Some cities use the Olympics as a way to push through fast new infrastructure projects, such as airports and subways. It is an opportunity for them to be lifted from a backwards state of economy into â€Å"a new city of the future. † Barcelona in 1992 is an example of a city that was able to successfully take advantage of this event. For most political leaders, hosting the Olympics is about creating a legacy that will be remembered for generations. For others it is a way to promote transportation systems, decrease the rate of unemployment in their country, and lead economic trends. The Beijing games were intended to show off China’s spending and organisational power. On the other hand, the London Games was a means of bringing to life a poor part of the capital, East London, speedily. Tokyo hopes to boost Japans economy in the 2020 games. Whatever a country’s reasons may be, they have to give a lot in order to get. The government of the host countries invests in the Games expecting to â€Å"make money back. † However, not all the funds come from the country’s government. The International Olympic Committee (IOC) contributes funds to the hosting country. The primary source of revenue comes from the biddings. IOC sets up distribution of tickets, and most importantly, they take bids on where the Games will be hosted. There are other organizations such as NBC who help fund. In 2008, they paid $2. 2 billion for the distribution of the water games of 2010 in Vancouver, and to the Summer Games of 2012 in London. When they fund, they expect to make their money back—and they do, all the time. Another way the games are funded is through donations. Those in high class who are passionate about a certain sport might choose to provide the facilities needed for the game. Money from advertisers also contributes to help fund the games. When a country hosts the Olympic Games, there is always loss is one area, and gain in another. Some of the effects are immediate and ephemeral, while others come gradually, but last longer. Something might be an advantage to a group and a disadvantage to another group at the same time. The effects cannot be strictly classified as positive or negative. The Olympics is a powerful marketing tool. It creates a lot of business opportunities. The brand name â€Å"Olympic Games† attracts outward and inward investors. The Logo is used for souvenirs, sports equipments, clothing, and other creative things. Media exposure promotes the city as somewhere suitable for world class sport event, conventions and leisure travel. Spectators, visitors, sponsors, broadcasters, Olympic families, athletes and officials who come into the country boost the tourism business. There are new job opportunities in hotels, malls, restaurants, and entertainment areas. The country receives direct income from selling tickets. Through building the â€Å"Olympic Village,† and other locations, there is a boost in the construction department because new construction projects are created. The infrastructure of the country upgrades, and the facilities and constructions promote the city as world class. Also by having those facilities in place, the country has a greater chance of hosting other world-class sporting events. In addition, the Olympics generates national and international recognition for the country that is hosting. It creates a more competitive economic attitude, which has long-term positive effects. There is relatively permanent increase in trade. According to Rose and Mark Spiegel (Vice President at the Federal Reserve Bank of San Francisco), there is about thirty percent increase in hosting countries. However, Spiegel mentioned that there is also remarkable progress seen in countries with â€Å"unsuccessful† bids. The Games promotes the host country’s image as a whole. As long as the city was a successful host, its reputation increases, and this is a long-term advantage. The stock market loves the Olympics. It benefits most from the hidden profits in the world’s most celebrated sporting events. Host countries receive exposure, and therefore their markets profit from that. The events create a lot of opportunities, and some of these opportunities even have no connection to the Olympics. Host countries generally experience rise on their markets similar to the performance of American markets. There are exceptions though, for example the 2000 Games in Sydney, Australia, and the Beijing Games of 2008. Stock markets react favourably to Summer Olympic Games because it lasts longer and is bigger than the Winter Games. The negative effects in hosting the Olympic Games are mostly seen in the budgets. The host country spends large sums of money, and usually the event costs more that it returns directly. The bidding process alone can overweigh the costs. The gain seen in one sector is in the expense of another. Resources are spent on equipping high class facilities, and on greening the country. Although this might be advantageous in upgrading the country, the accelerated development often disrupts long-term city planning. Tourism might help offset the costs, but this is not guaranteed. To some, hosting the Olympics is financial recklessness because countries spend hundreds of millions of dollars on sports venues; money that could be used on much-needed infrastructure. To support their agreement, many of the venues are useless after the Games. It is true that former Olympic cites become popular and world-centred, however they start collecting dust once the games are over. China’s Eagle Nest is memorable, and a place for tourism, but mostly it is an enormous structure that China does not know what to do with. Athens’s Olympic Park is not like a ghost town. Some of Greece’s costly stadiums now look run-down, and have few visitors. Los Angeles is one developed host city that did not spend too much on infrastructure because they used some already existing venues. Unlike some host cities, London has a plan to transform its Olympic Village into apartments. Hosting the Olympics can attract negative attention. Some countries have had to deal with people coming into the country illegally. Because there are so many guests coming in at the same time, it is hard to control what and who comes in and out. Security is also an issue. Usually security is tight where the games are centred. However, this security is sometimes provided while other places are deprived of it. Controlling illegal drinking, drugs, fight, and youth wildness are problems the host country has to deal with too. In some host countries, there have been protests against the government for its â€Å"waste. † Politicians can be left looking ridiculous. The 1968 Olympics in Mexico is much remembered for the mass of students who protested against the government ten days before the Games. This was a problem because in the seven years between the bidding and the event, the Politicians who led the bidding were no longer in power. The Olympics is a high-risk game. So, when a leader decides to bid to be host, following leaders will have to follow through and deal with whatever problem arises. Someone else will have to take the credit—or the blame. Participating countries have to pay their athletes. They also have to transport them and supporters, but that is not enough to put a dent in their economy. Every year the media tells us what athlete to fall in love with. A participating country can be positively affected if it is well represented by its athletes. If a country is constantly receiving medals, it stands out and attention is drawn to it. When a country is getting positive attention, its economy is sure to benefit from it in some way. In conclusion, it is not easy to throw the world’s largest party. It has significant lasting effects it has on the host country or city. The government of different hosting countries have reasons to why they want to host. They fund the Games expecting a return to their city. Exposure and media attention benefits both host countries and participating countries. For this reason, I think that the next Games should be hosted in a less developed country, such as Cameroon (or any country with the same level of development). The world knows that Cameroon is not able to fund the Games on its own, so IOC should support them. Ideally, this would be a better way to use resources for much-needed infrastructure. On the other hand, it would also be a good idea to host the event where it has already been done before. That way, the facilities can be used again. It would be better than having lots of useless game cites all over the world.