Lender A is using 30/360, lender B is using Actual/365, and lender C is using Actual/360. The actual interest rate and total payments are shown for each lender below: As the table shows, Lender A has the most favorable terms for a borrower and Lender C has the least favorable. The next section will explain these calculations using our example above. Down at the bottom of this post is a Watch Me Build video and downloadable file where you can follow along and build the amortization tables in these examples with me. 30/360 30/360 is calculated by taking the annual interest rate proposed in the loan (4%) and dividing it by 360 to get the daily interest rate (4%/360 = 0. 0111%). Then, take the daily interest rate and multiply it by 30 to get the monthly interest rate (0. 333%). This loan calculation assumes that there are 360 days a year and 30 days in each month. This interest calculation method returns a true 4% interest rate. Another way to look at this is by simply taking the 4% interest rate and multiplying it by (30/360).
If you know you want to become an RN, but can't commit to a degree program just yet, working as CNA is a great way to get your foot in the door. CNAs often work with nurses and doctors, giving them valuable insight into the profession. Over the past decade, nurses have taken on new and expanded roles in the healthcare industry. Nurse practitioners especially have seen an enormous increase in the amount of responsibilities. Having more autonomy to make decisions as a nurse is exciting, and is reason enough to venture beyond familiar territory. When researching nursing programs, the same rules apply. Accreditation is key! You'll also want to verify your state's requirements for becoming AND working as a nurse. Each state is different, and in fact, each state also has its own regulatory board for licensing nurses. The Bureau of Labor Statistics also has a very strong job outlook for RNs. Employment of registered nurses is projected to grow 15 percent from 2016 to 2026, much faster than the average for all occupations.
Another factor to consider is a language's general complexity. Some languages are well-structured and designed in a way that makes them easier to grasp — think obvious patterns and sensible rules that aren't frequently broken (I'm looking at you, English). The 5 easiest languages to learn Based partly on the Foreign Service Institute (FSI) of the U. S. Department of State's language efficiency data, there are several languages that are considered quite easy to learn for those who are already fluent in English: 1. Swedish The Swedish language has many similarities to English, including syntax and vocabulary; telephone is 'telefon, ' for example. Boom. You're now on your way to learning Swedish! Okay, it's not that easy, but these similarities definitely go a long way when you're trying to learn. Verb conjugations in Swedish also follow the same pattern as English, with "I [verb]" being "jag [verb]" and so on, which makes shifting from English to Swedish simple. Plus, Swedish is also known for being a very rhythmic, musical language, so it follows a sort of melodic pattern that makes it easy to grasp.
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