How much interest you will have paid at the end of 5 years for each loan? What the balance will be in 5 years for each loan? How much interest you will have paid at the end of 5 years for each loan?

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Mortgage Practice Problems

must show all your work to receive full points. Show your work on Word doc

Question 1
You are in the process of purchasing a new home. You intend to live there for 5-10 years. You have an accepted offer of $364,000, which is just under the asking price of $364,900. The appraisal your lender obtains values the home at $358,000.

 

Your lender has quoted you loans with the following terms:

 

Loan 1 Loan 2 Loan 3
6.75% interest rate

30-year amortization

Monthly compounding

75% loan-to-value (LTV) ratio

 

 6.20% interest rate

15-year amortization

Monthly compounding

80% loan-to-value (LTV) ratio

 

 7.85% interest rate

30-year amortization

Monthly compounding

92.5% loan-to-value (LTV) ratio

 

 

Determine the following:

1a. The principal for each loan (maximum amount you can borrow).

1b. The down payment for each loan.

1c. The monthly payment for each loan.

1d. What the balance will be in 5 years for each loan.

1e. How much interest you will have paid at the end of 5 years for each loan?

1f. What the balance will be in 5 years for each loan?

1g. How much interest you will have paid at the end of 5 years for each loan?

 
Your answer:

  Loan 1 Loan 2 Loan 3
Principal  

 

    
Down Payment  

 

    
Monthly Payment  

 

    
Balance at end of 5 years      
Interest Paid at end of 5 years      
Balance at end of 10 years      
Interest Paid at end of 10 years      

Question 2
You are in the process of building a new home. The home will cost $547,000 to construct, and the appraisal your lender obtained indicates a prospective value upon completion of $565,000.

Your lender has presented you with the following three loan options:

Loan A Loan B Loan C
7.25% interest rate

25-year amortization

Monthly compounding

70% LTV ratio

1% loan origination fee

 

 7.05% interest rate

15-year amortization

Monthly compounding

80% LTV ratio

2 points

 7.00% interest rate

30-year amortization

Monthly compounding

75% LTV ratio

1.5% loan origination fee and 2 points

Determine the following:

2a. The principal amount for each loan.

2b. The monthly payment for each loan.

2c. The amount of the loan fees for each loan.

2d. The net disbursement for each loan.

2e. The effective borrowing cost for each loan. (Don’t forget to annualize the rate.)
 

  Loan A Loan B Loan C
Principal  

 

    
Monthly Payment  

 

    
Points/Loan Fees  

 

    
Net Disbursement  

 

    
Effective Borrowing Cost      

 

Question 3
You have recently purchased a 64-unit apartment building with year 1 NOI of $11,250 per unit per year. You purchased the property based on a 9% cap rate. The appraisal your lender obtained indicated a value of $7,650,000.

 

Your lender has quoted you the following terms:

6.85% interest rate

30-year amortization

Monthly compounding

65% LTV ratio

 

Determine the following:

3a. The purchase price you are paying based on the year 1 NOI and cap rate given.

3b. The principal amount for the loan (max loan amount).

3c. The equity contribution/down payment for the purchase.

3d. The annual debt service for the loan

3e. The debt coverage ratio based on the year 1 NOI.

3f. The debt yield based on the year 1 NOI.

3g. The before-tax cash flow for year 1.

3h. The equity dividend rate for year 1.

 
 

 

Question 4
You own an 18,000 SF office building with current NOI of $31.20 per SF per year. You are refinancing the property, and the current market indicates a 10.25% cap rate. The appraisal your lender obtained indicated a value based on this NOI and cap rate.

 

Your lender has quoted you the following terms:

8.95% interest rate

20-year amortization

Monthly compounding

55% LTV ratio

1.55x debt coverage ratio

Prepayment penalty equal to 2% of loan balance at time of prepayment

 

Determine the following:

4a. The value indicated in the lender’s appraisal.

4b. The maximum amount for the loan based on the LTV ratio.

4c. The maximum amount for the loan based on maximum ADS indicated by the debt coverage ratio.

4d. The annual debt service for the lower of the loan amounts from 4b and 4c.

4e. The loan balance in year 4.

4f. The prepayment penalty if the loan is prepaid in year 4.

Bonus question
You purchased a 614,000 SF warehouse building 8 years ago for $35,110,000. You are considering refinancing.

Currently, rental rates average $5.75/SF. Market vacancies are 3.50%. The subject OER is stable around 12%. Market cap rates are now 7.5%.

Your lender has proposed refinancing based on a current valuation. Below are the original loan terms from 8 years ago and the new proposed loan terms.

 

ORIGINAL LOAN (OLD) NEW LOAN
8.50% interest rate

30-year amortization

Monthly compounding

70% LTV ratio

Minimum 1.35 DCR

2% prepayment penalty (2% of loan balance at time of prepayment)

 6.50% interest rate

25-year amortization

Monthly compounding

75% LTV ratio

Minimum 1.25 DCR

 

Determine the following:

B1. The current NOI based on the current market terms.

B2. The current market value based on the current NOI and current market cap rate.

B3. The maximum amount you can borrow with the new loan.

B4. The new annual debt service (ADS) based on the new loan terms.

B5. The balance of the original loan at the end of year 10.

B6. The prepayment penalty for the original loan.

B7. The net disbursement for the new loan considering the prepayment penalty for the old loan.

B8. The effective borrowing cost for the new loan.

B9. The DCR for the new loan based on the current NOI.

B10. Does the property qualify for this new loan based on its current income? Why or why not?

 

Describe what happens to a deep-water wave as it approaches a beach and enters shallow water. How does it change as it begins to interact with the ocean floor, becoming a transitional wave then a shallow-water wave? What conditions would have to be met for the wave to break?

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Earth and Space Exploration Question

Describe what happens to a deep-water wave as it approaches a beach and enters shallow water. How does it change as it begins to interact with the ocean floor, becoming a transitional wave then a shallow-water wave? What conditions would have to be met for the wave to break?

Explain what each variable in Newton’s Law of Gravitational Attraction means. Further, describe how this equation explains the differences between the sun and the moon’s contribution to tide-generating forces.

Compose a Security Blueprint that contains at least 3 areas that you will be addressing. Describe at least two security education or awareness actions you would implement and what they would contain.

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Company hiring a New CISO

Introduction

A well-known company (you select the industry or the company that will help you design the plan) has suffered a breach and is concluding its return to normal operation after hiring a forensic firm. As a result of the intrusion, the CISO was terminated. The CEO and CFO are hiring you to be the new company CISO.

They have asked you to create a 90-day plan for the company that will address the issues of the breach and will implement a comprehensive security program. The CEO and CFO want a five (5) to ten (10) minute presentation of your plan that will be at the quarterly company board meeting. You must be able to submit your security program to the board-of-directors before the meeting.

At a minimum your security plan should cover recommendation regarding corrective measures and activities that will improve the company (you may make assumptions regarding the cause of the breach and the weaknesses of the organization, but, you must explain those assumptions):

  1. Create a 90 day plan (suggest use of a timeline) that includes the following components:
    1. Reference at least 3 CIS controls and the reason you need the control, how you would use the control and what the expected benefit will be to implement them and mitigate the weakness you identify (3 pages; one page per control maximum).
    2. Identify 3 Risks that might impact the company and your proposed mitigation plan (what are the 3 risks and what will happen to the company if they are not mitigated; remember they may not mitigated completely). (1 -2 pages maximum)
    3. Compose a Security Blueprint that contains at least 3 areas that you will be addressing. (any format you choose)
    4. Describe at least two security education or awareness actions you would implement and what they would contain. (1-2 pages)
  2. Prepare a 5 minute presentation to be presented in addition to the written document.

Create a class called ”Illegal Roman Numeral Exception” that extends ”Illegal Argument Exception” as shown in lecture.

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Use a GUI to open the file for displaying the Roman numerals

Modify your Roman Numeral GUI so that it will be a complete JFrame with a menu bar and menus.
There should be two menus: one called File and another called Convert. The File menu should have the menu items Open and Quit. The Convert menu should have one menu item that says “Roman to Arabic”. When chosen, a dialog box should be displayed asking the user to type in a Roman numeral. After receiving the Roman numeral, another dialog box should display the Arabic value. If the Roman numeral is not valid (see below) a dialog box should say so.

You will need a handler for the File menu, and another handler for the Convert menu. As mentioned in lecture, be sure when opening a file with the file menu handler that your ask for the absolute path to the file rather than just its file name (getAbsolutePath() rather than getName()).

Create an exception for illegal Roman numerals
Create a class called ”Illegal Roman Numeral Exception” that extends ”Illegal Argument Exception” as shown in lecture. This exception should be thrown by the constructor of a ”Roman Numeral” if there is an invalid the console, not placed in the GUI. This exception may be thrown when constructing a Roman numeral read from the file, or when trying to convert from Roman to Arabic.

Read in the training data, construct an ANN, train the network, and then evaluate it on the testing data.

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Task – Feed forward Neural Networks

You will implement a feedforward artificial neural network (ANN) within Python (using Keras) for the purposes of solving a binary classification task as a mini-research project. For this network, you will be provided a dataset from the finance sector. A description of the dataset is provided in the Data Fields section of this document below.

You are expected to appropriately read in the training data, construct an ANN, train the network, and then evaluate it on the testing data.

For this you should consider aspects of the network architecture, such as how many hidden layers and nodes are required, for an ‘optimal’ solution. When constructing your network you should only consider changing this parameter, leaving others stationary, and the solver as ‘SGD’. Largely the data has already been transformed ready for the task; however, you should consider how many inputs you wish to provide to the network, both feature-wise, and number of examples.

Alongside the Python code, you will write a small report (1500 words maximum) with references (Harvard style) outlining your solution, the architecture chosen, any processing of the dataset, as well as evaluative results. For the purposes of this report, you should carefully consider experimental design, showing comparisons between various different architectures you’ve tried, using evaluative metrics to demonstrate an overall good solution to the task.

Design a Leaf-Spine network with a Leaf in L rack connecting to M Spine switches and Spine switch connect with N Super Spine? Also count the total no of connection between Leaf, Spine and Super Spine?

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Leaf spine Network

Question 1: Design a Leaf-Spine network with a Leaf in L rack connecting to M Spine switches and Spine switch connect with N Super Spine? Also count the total no of connection between Leaf, Spine and Super Spine?

(Note: L= (Roll Number mod 10)+ 20, M = (Roll Number mod 5) + 5, N = (Roll Number mod 3) + 2)

Explain how the material learned in this course, based upon the objectives, will be applicable to the professional application.

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MSW 501 WEEK 16 Discussion

Respond to the following questions based upon these course objectives:

  1. Apply and communicate understanding of the importance of diversity and difference in shaping life experiences in practice at the micro, mezzo, and macro levels
  2. Present themselves as learners and engage clients and constituencies as experts of their own experiences
  3. Apply self-awareness and self-regulation to manage the influence of personal biases and values in working with diverse clients and constituencies
  4. Apply their understanding of social, economic, and environmental justice to advocate for human rights at the individual and system levels
  5. Engage in practices that advance social, economic, and environmental justice
  6. Apply knowledge of human behavior and the social environment, person-in-environment, and other multidisciplinary theoretical frameworks to engage with clients and constituencies; and use empathy, reflection, and interpersonal skills to effectively engage diverse clients and constituencies

Answer the following questions with supporting examples and full explanations.

  1. For each of the learning objectives, provide an analysis of how the course supported each objective.
  2. Explain how the material learned in this course, based upon the objectives, will be applicable to the professional application.

Provide evidence (citations and references) to support your statements and opinions. Your responses to these questions are due by Tuesday at noon. There are no peer responses required for this discussion.

All references and citations should in APA format.

Which of the following represents a sample? Fifty mouses were chosen from a shelter containing 500 animals to test a new What is the sample?

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Data Analytics Question

 

Program:

  

 

 Course name and No.: Data Analytics for Decision Making
Assessment title: Assessment One (30%) Type: Multiple Choice Questions
Faculty:   Deadline  

 Problem 1 (5%)

Indicate whether the following statements are true or false:

  1. A sample size should not exceed 100 observations, otherwise it will be called a
    1. True
    2. False
  2. The difference between the midpoints of two consecutive classes is equal to the number of classes.
    1. True
    2. False
  3. The line segments in a cumulative frequency polygon can be either increasing or decreasing depending on the given data.
    1. True
    2. False
  4. The variance is considered the most accurate measure of dispersion for distribution comparison because it is calculated using the squared values.
    1. True
    2. False
  5. In a group of 70 scores, if the largest score is increased by 20 points the mean of the scores will increase by 3.5 points.
    1. True
    2. False

Problem 2 (15%)

Choose the best answer:

  1. Which of the following represents a sample?
    1. Number of cups of coffee served at Starbucks Marbella
    2. Total registered voters in Spain
    3. All the Colombians working abroad
    4. None of the above
  1. Fifty mouses were chosen from a shelter containing 500 animals to test a new What is the sample?
    1. The 50 selected mouses
    2. The 500 animals in the shelter
    3. The 550 animals
    4. All the mouses in the shelter
  1. Which of the following is a discrete variable?
    1. Depth of the pool measured in meters
    2. Numbers of newborn kittens
    3. Number of hours spent on social media
    4. None of the above
  1. The amount of “dollars” stuck in non-US banks is a:
    1. Quantitative discrete variable
    2. Qualitative discrete variable
    3. Quantitative continuous variable
    4. Qualitative continuous variable
  1. Identify the scale of measurement for the following categorization of clothing: hat, shirt, shoes, pants.
    1. Nominal level of data
    2. Ordinal level of data
    3. Ratio level of data
    4. Interval level of data
  1. As part of a test preparation course, students are asked to take a practice version of the Graduate Record Examination (GRE). This is a standardized test, and scores can range from 200 to 800. The appropriate scale of measurement is:
    1. Nominal
    2. Ordinal
    3. Interval
    4. Ratio
  1. Children in elementary school are evaluated and classified as non-readers (0), beginning readers (1), grade level readers (2), or advanced readers (3). The classification is done to place them in reading groups.
    1. Ratio
    2. Nominal
    3. Interval
    4. Ordinal

 

Problem 3 (25%)

A sample of 20 women were asked about the symptoms they felt after taking the COVID19 vaccine. Below are their responses:

Headaches Stroke Fever Nausea Tiredness Nausea
Headaches Tiredness Cough Fever Tiredness Cough
Skin Rash Tiredness Cough Fever Nausea Tiredness
Cough Headaches        

 

  1. The “Symptoms” is a variable, thus it should be organized into a        .
  1. Qualitative, frequency distribution
  2. Qualitative, frequency table
  3. Quantitative, frequency distribution
  4. Quantitative, frequency table

 

  1. Based on the above data, the relative frequency of “tiredness” is:
    1. 4
    2. 5
    3. 2
    4. 25
  1. If two more women were added to the survey and if they both had a stroke after taking the vaccine, the relative frequency of this symptom would be:
    1. 1
    2. 15
    3. 136
    4. 09
  1. Based on the above data, the angle that corresponds to the “Fever” category is:
    1. 15
    2. 54
    3. 8
    4. 58
  2. The best graphical presentation for this data is:
    1. Bar Graph
    2. Histogram
    3. Frequency polygon
    4. Cumulative histogram or cumulative frequency polygon

 

Problem 4 (25%)

The raw data below represents the rate per hour of a sample of doctors in Paris. This data needs to be represented in a frequency distribution.

113      189      186      174      103       125      41       81        47        156      37        89

90        141       126     28        58         172     75        61

  1. What interval for each class do you suggest?
    1. 5
    2. 30
    3. 33
    4. 32
  2. The relative frequency of doctors who earn between 160 USD and 193 USD per hour is:
    1. 2
    2. 20%
    3. 1
    4. 25
  1. The percentage of doctors who earn less than 127 USD per hour is:
    1. 10%
    2. 20%
    3. 70%
    4. 80%
  1. The percentage of workers who earn more than 160 USD per hour is:
    1. 80%
    2. 20%
    3. 10%
    4. 16
  1. The first point of a cumulative frequency polygon that represents this data is:
    1. X = 61 and Y = 5
    2. X = 28 and Y = 5
    3. X = 28 and Y = 0
    4. X = 5 and Y = 0

 

Problem 5 (30%)

 The numbers that follow represent the number of paint gallons (in thousands) produced each month by a sample of 10 companies.

7         20        10         4         18        12        7          14        6          22

  1. The mean number of paint gallons is:
    1. 7
    2. 12
    3. 120
    4. 33
  1. The mode of this distribution is:
    1. 15
    2. 2
    3. 7
    4. There is no
  1. The median of this distribution is:
    1. 10
    2. 11
    3. 12
    4. 15
  1. The distribution of data for the number of paint gallons produced is:
    1. Positively
    2. Negatively
    3. Symmetrical
    4. Cannot be
  1. The range is:
    1. 26
    2. 18
    3. 15
    4. 29
  1. The variance of this distribution is:
    1. 8
    2. 98
    3. 78
    4. 31
  1. The standard deviation of this distribution is:
    1. 8
    2. 98
    3. 78
    4. 31
  1. Which of the dispersion measures is considered the most accurate for distribution comparison?
    1. The range because it is the simplest
    2. The standard deviation because it includes all
    3. The variance because it is calculated using the squared
    4. All measures are equally

Describe the entrepreneur and the business Why did they start the business? What made them think the business would be feasible / successful? What personal tradeoffs did the entrepreneur have to make to start the business?

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Entrepreneurship

The best way to learn about entrepreneurship is to learn from the experiences of people who have started businesses.

Your assignment is to interview an entrepreneur who has either succeeded or failed and find out the key lessons their experience can teach you.

You should select an entrepreneur who started a business and obtained some form of outside financing (not self-financed / bootstrapped). Ideally, you select an entrepreneur that grew the business to at least $500k in annual revenue. You may interview Georgia Tech alumni, but students and direct family members are not permitted.

You will prepare an article from your interview for upload. Use what you have learned in this class as a framework for perspectives and insights – and focus on the early years of the business. You will be graded on the quality of the article, insights, and key learnings. Some of the questions you’ll be looking to answer in your interview and blog might include:

  • Describe the entrepreneur and the business
  • Why did they start the business?
  • What made them think the business would be feasible / successful?
  • What personal tradeoffs did the entrepreneur have to make to start the business?
  • How was the business financed?
  • Describe the growth and scale of the business
  • What were the biggest obstacles the entrepreneur faced?
  • What was the outcome? What were the key factors for success or failure?
  • What would they have done differently?
  • Describe the key lessons you learned in the interview

Select one (1) technology that is either currently in use or is in development to be used that can positively impact a firm’s supply chain management and operations. Research the capabilities and impacts of this technology and write a 2–3-page white paper.

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Supply chain management and operations

Question 1.

Technology is an important enabler of a company’s ability to manage its supply chain and optimize performance.

Select one (1) technology that is either currently in use or is in development to be used that can positively impact a firm’s supply chain management and operations. Research the capabilities and impacts of this technology and write a 2–3-page white paper that:

  • Provides an overview of the technology.
  • Describes a key issue/opportunity in Supply Chain Management that can be addressed using this technology.
  • Describes how the use of this technology addresses that issue/opportunity.
  • Provides a compelling reason why a Supply Chain Manager should take advantage of this opportunity.

Note: Assume the White Paper is going to be read by busy Supply Chain Managers. These busy managers (like some professors) are not looking for lots of words and filler – they want to know all the critical facts and ideas presented in a clear, readable, and compelling manner.

Question 2.

4-page summary/explanation/discussion of the supply chain and related U.S. Port issues. You must use at least three references.