FHA Loan?

Are you considering a home purchase in Kentucky ? If so, then a Kentucky FHA loan might be for you. This Kentucky FHA Mortgage guide will provide you with all the FHA loan information you need to buy a home in Kentucky using the FHA loan program

What Is A Kentucky FHA Loan?

If you’re looking to buy a home but have limited funds for a down payment or a lower credit score, then an Kentucky FHA loan might be a good option for you. This is a type of a Kentucky mortgage insured by the Federal Housing Administration (FHA), which allows Kentucky FHA lenders to be more flexible with their requirements for borrowers who may not meet traditional criteria.

How do Kentucky FHA loans work?

KEntucky FHA loans are a government-backed program which makes homeownership more accessible through more lenient lending requirements. With an FHA loan, a borrower could put down as little as 3.5% if their credit score is at least 580, or 10% if their credit score is at least 500. Nevertheless, there is a trade-off; regardless of the amount you put down, there is a requirement to pay for mortgage insurance upfront and monthly premiums and it is for life of loan
The FHA collects a one-time upfront mortgage insurance premium (UFMIP). This premium needs to be entirely financed into the mortgage or paid in full at closing. Additionally, there is an annual mortgage insurance premium, also called monthly MIP, which is collected in monthly installments.
The annual mortgage insurance amount depends on factors such as the loan-to-value ratio (LTV), down payment size, and mortgage term length. Lenders calculate the annual payment as a percentage of the base loan value.

Benefits Of Kentucky FHA Loan

There are several key benefits that make Kentucky FHA loans an attractive option. Here are a few of the benefits:

• Low to zero down Down Payments: FHA loans are designed to help borrowers with limited funds for down payments. Specifically, if your credit score is above 580, you could qualify for a down payment of 3.5%.
• Flexible Credit Requirements: FHA loans have lower credit score requirements compared to conventional loans. Even with a credit score as low as 500, you may qualify with a 10% down payment.
• Lower Debt-to-Income Ratio (DTI): Compared to conventional loans, FHA loans typically allow borrowers with higher levels of debt to still qualify by allowing a higher Debt-to-Income Ratio (DTI).
• Gift Funds and Grants: You could leverage gift funds and grants from family or approved organizations to contribute towards your down payment.

Kentucky FHA Loan Requirements

To be eligible for an Kentucky FHA loan there are some specific requirements you must meet. Here is an overview of these requirements:

FHA Loan Down Payment

The amount you’ll need to pay as a down payment on an FHA loan depends on your credit score. If your credit score is 580 or higher, then you could pay as little as 3.5% of the loan amount. However, if your credit score falls between 500 and 579, you’ll need to pay a larger down payment of 10%. If you’re short on funds, there are several DPA programs available which could help for Kentucky Homebuyers with zero down payments to get into a house.!

Kentucky FHA Mortgage Insurance Premiums

All FHA borrowers, no matter how much of a down payment they make, must purchase both upfront and annual mortgage insurance.

WHAT DOES KENTUCKY FHA MORTGAGE INSURANCE COVER ON YOUR HOME LOAN?

Kentucky FHA mortgage insurance protects lenders in case you, the borrower, default on your mortgage. This allows lenders to offer FHA loans with lower down payments and potentially less strict credit score requirements. Essentially, it mitigates the lender’s risk, making Kentucky FHA loans more accessible to first-time homebuyers or those with limited savings.

HOW MUCH IS FHA MORTGAGE INSURANCE?

FHA mortgage insurance has two components – an upfront premium and an annual premium. The upfront premium is a one-time payment that you need to make at the time of loan closing, and it amounts to 1.75% of the loan amount.
On the other hand, the annual premium is a recurring cost that you need to pay as a part of your monthly mortgage payment. The amount of the annual premium may vary depending on factors such as the loan term, loan amount, and loan-to-value ratio (LTV).
Oftentimes, with credit improvement and an increase in home equity (at least 80% loan-to-value), borrowers with FHA loans opt to refinance to a conventional loan program. This helps eliminate the monthly mortgage insurance premium portion of the monthly mortgage payment.

HOW TO CALCULATE KENTUCKY FHA MORTGAGE INSURANCE

To calculate your Kentucky FHA Mortgage Insurance, you can either use the HUD Calculator or follow these simple steps using your specific information:

1. Determine the amount of your loan.
2. Calculate your loan-to-value (LTV) ratio by dividing the loan amount by the appraised value of the home.
3. Find the annual MIP rate based on your LTV ratio and loan term. You can find this information on the HUD website
4. Multiply the loan amount by the annual MIP rate to get the annual MIP amount.
5. FHA Loan?

Are you considering a home purchase in Kentucky ? If so, then a Kentucky FHA loan might be for you. This Kentucky FHA Mortgage guide will provide you with all the FHA loan information you need to buy a home in Kentucky using the FHA loan program

What Is A Kentucky FHA Loan?

If you’re looking to buy a home but have limited funds for a down payment or a lower credit score, then an Kentucky FHA loan might be a good option for you. This is a type of a Kentucky mortgage insured by the Federal Housing Administration (FHA), which allows Kentucky FHA lenders to be more flexible with their requirements for borrowers who may not meet traditional criteria.

How do Kentucky FHA loans work?

KEntucky FHA loans are a government-backed program which makes homeownership more accessible through more lenient lending requirements. With an FHA loan, a borrower could put down as little as 3.5% if their credit score is at least 580, or 10% if their credit score is at least 500. Nevertheless, there is a trade-off; regardless of the amount you put down, there is a requirement to pay for mortgage insurance upfront and monthly premiums and it is for life of loan
The FHA collects a one-time upfront mortgage insurance premium (UFMIP). This premium needs to be entirely financed into the mortgage or paid in full at closing. Additionally, there is an annual mortgage insurance premium, also called monthly MIP, which is collected in monthly installments.
The annual mortgage insurance amount depends on factors such as the loan-to-value ratio (LTV), down payment size, and mortgage term length. Lenders calculate the annual payment as a percentage of the base loan value.

9.5 months since purchase.
10k miles. 72 MPG based on the car's calculations ( which doesnt account for electricity price).
Put premium gas only from Costco. Average since purchase: $3.6 per gallon. To compare, regular gas average is $3.1.
Price of "super off peak" electricity including taxes and a whole lot of fees Georgia Power shoves on me: $0.045 / Kwh.
Always start on EV mode and deplete battery.
Get 25.6 miles in gas only mode ( after full battery depletion). Mostly 50/50 city/hwy driving. Kept EV miles vs gas miles notes diligently between a tank fill and did the math.
Averaged 1.91 Miles/Kwh on EV. The Mazda calculation is off, and shows much higher, because it largely counts regen braking miles as EV miles ( even when the battery is depleted). I compare against EV miles driven divided by my Kwh draw in the night. Summer time, its closer to 2.4 ( with no AC). However, during last winter it dropped to 1.4 Mi/Kwh.
So true Miles per gallon ( including electricity cost, and premium gas extra cost) using the average gas prices above:
72 × 3.1 / (3.6 + (72-25.6)×.045/1.91)
= 47.56 Miles per gallon.
Usually carry 4 people but in winter carried 8 people for a few weeks.
Also, 2.5 more months in summer for a full year and it will only go up: unless we take a road trip which will bring it down a lot.
However road trips should be excluded as it is the second cheapest ( after EV road trip but dont want to burn an hour for every 3 driven) , and most convenient option for us for trips < 1500 miles.
I like driving the car. It feels hard on the butt sometimes during longer drives. And the front bushing creaking still shows on dry days. No issues otherwise.

Calculating percentages is simple: divide the part by the whole, then multiply by 100. For example, to find what percentage 5 is of 20, divide 5 by 20 (0.25) and multiply by 100, resulting in 25%. This fundamental concept applies across various scenarios, making percentage calculations a valuable skill in everyday life and academic pursuits.

How did you guys work out the percentage of photons emitted per second? I found out the no. of photons emitted by dividing the power by the energy of the photons (using the wavelength). Then, I used the value of current to find charge and calculate the no. of photoelectrons emitted by dividing 0.41 by the charge of an electron. At last, I divided both answers to get 75%. But everyone else's saying its 85%?? Whered I go wrong

Even the students who've organized well and always scored inside the highest percentiles in all their mocks can get stumped by the non-MCQ questions in CAT 2024. Also known as TITA questions – ‘Type in The Answer’ – non-MCQ CAT questions are designed to be confusing. With no selections to pick from and lengthy answers, students can fast lose valuable minutes with out ever knowing in the event that they have an appropriate solution. TITA questions in CAT are acknowledged for their better difficulty tiers, poor accuracy, and time-eating nature. Get Started your CAT Exam Preparation with CAT Exam Online Coaching.
But these questions also include a hidden prize – not like the MCQs with stringent poor markings for wrong solutions, non-MCQ CAT questions haven't any negative marking in any respect. This makes them an engaging bet to attempt. With the proper method, college students can maximize their probabilities of bolstering their normal score with TITA CAT questions whilst saving time.

What are non-MCQ questions in CAT?

Non-MCQ or TITA questions had been delivered in the CAT examination by using IIM Ahmedabad in 2015. And ever due to the fact that then, they’ve been a ordinary feature in all CAT assessments. What separates them from the ordinary CAT questions is the lack of options. Unlike MCQ questions, which are observed by way of 4 choices – one of that's correct – TITA questions most effective have a textual content field. Students want to type in the answer the usage of the on-display screen keyboard.
Another thing to remember is that those questions don't have any bad marking. Candidates are provided three marks for correct solutions and lose none for wrong ones. This caveat makes it tempting for college students to attempt as many non-MCQ questions in CAT as possible. But those questions are framed to bleed time, i.E., they've a better issue stage and lower accuracy rate. Moreover, the absence of alternatives makes reverse deduction and guesswork obsolete. Students should remedy the entire question with the aid of hand to get to the solution. Even if they could come to be with the ideal one, there’s the danger of losing an excessive amount of treasured time on them and missing out on attempting other questions.

So, should you even attempt the TITA questions in CAT?

The trick lies in incorporating the non-MCQ questions inside your wellknown method for the paper in preference to searching at them one at a time. Your stop intention need to be to attain 45-60 marks on the general examination. If you may acquire that without the non-MCQ questions, then try this. If you sense some TITA questions will help you attain that focus on score, paintings with that.
Continue analyzing the weblog to apprehend the exact phase-clever approach for non-MCQ CAT questions.

How to address the non-MCQ questions in CAT 2024?

Just like you break down your strategy for MCQ questions primarily based at the kind of question and topic, you need to do the identical even for the non-MCQ CAT questions.

VARC TITA questions

You can count on everywhere between five-10 TITA questions within the Verbal Ability segment. These questions will commonly be divided into the subsequent classes:

• Para jumbles
• Para summary
• Odd sentence out/misfit

For VARC, the TITA questions largely observe the same format as the regular MCQ questions. This is one segment where trying TITA questions can prove to be exceptional. Para summaries and ordinary sentences may be solved speedy using the equal method you use for MCQs.
However, our mentors recommend that the TITA para jumbles have to handiest be attempted on the cease if spare time is to be had.

DILR TITA questions

With around 5-eight non-MCQ questions expected in DILR, this is the only section students have to be maximum wary of. It is straightforward to wander off in logical reasoning questions and lose tune of time. Moreover, finding the proper method to fixing the question can also take time. The equal applies to records interpretation. DI is usually calculation-heavy and can have answers strolling into a couple of decimal locations.
According to our mentors, TITA questions in DILR ought to handiest be attempted if you can right now visualize the perfect method to fixing it. Accuracy in those questions may be low, so basic mistakes should be averted. Another lure is using the on-display screen calculator. Punching numbers is likewise time-consuming, gobbling up precious seconds. Instead, attention on memorizing all numbers’ squares, cubes, and roots to store time.
Join the CAT Best Online Coaching to level up your CAT preparation.

QA TITA questions

The quant section may have the most TITA questions, numbering round eight-15. These questions can come from any subject matter inside the quant syllabus. To get a higher idea of the extraordinary subjects and the most essential ones, study our weblog on CAT syllabus.
Learn to perceive the core concepts being tested within the QA TITA questions. This will permit you to filter out the questions you can try quick and the ones you cannot based totally on the standards you’ve studied. With no opportunity to reverse engineer the answer from the options, getting to the precise answer can be complicated, even when you recognize the ideas. So, only attempt these questions ultimately when you have time to spare.
Non-MCQ questions in CAT want to be approached very judiciously. Instead of being tempted by way of the no poor marking clause, choose the TITA questions objectively. Remember, the accuracy stage of TITA questions is at the decrease quit. Solve as many TITA questions as you can from previous years’ papers. This will provide you with a better idea of what to expect. If you are nonetheless careworn, you may sign on for the IMS Mock CAT Test Series. With 18 SimCATs and the past 3 years’ papers with video answers, you’ll have access to a extensive variety of questions and approaches to remedy them. This will substantially give a boost to your method to non-MCQ questions in CAT 2024.

Labour Value is an invisible parallel economy that works on top of the visible economy. It's only function is to prove Marx's Hegelian dialectic materialism right. Otherwise it is completely unnecessary. There is nothing in Marxs observations that cannot be explained elsewhere.
LTV acts as a retreat for Marxists into which they can climb when all else fails. It's like jumping from one reality to the other. Marx uses an idea of “value” which in itself is an intangible ghost and divides this into other ghosts, all dancing to the tune of his pipe.
His thorough belief, influenced by the other economists of his time, is that value is an absolute, a definite. However value is simply a human expression of usefulness, something's value is as concrete as the user wishes it to be, which is changeable and intangible. The value of anything without humans is 0. It's an entirely social relation. However as a social relation valueis only one sided. It remains in the hands of the demander. Something Marx chooses to ignore focusing on the supplier for philosophical conscience.
Value can only be realised through exchange. Exchange requires a demander as it's common denominator. A supplier need not work or own or have madeve found, have been in the vicinity of the commodity to exchange it. The demander is the active participant in the exchange. The supplier is passive. He may set up shop, he may go door to door, but only by becoming a demander himself, he must forgoe his passivity and become an active demander to open shop or move himself from place to place. Demand is the active state.
Choice becomes dominant in this exchange afterwards. As the demander has, going into the exchange, a preference for that good. The supplier must then look at their own situation, seperate from their labour and their inputs as a demander to evaluate whether the trade should be made. This works in individuals as well as in aggregate. The value therefore is itself an expression of multiple and myriad individual factors that we group together as an easy expression of “Value.” Marx then takes this idea of “Value” itself a ghost or a spook, simply a notion for a phenomenon that is itself unreal, without a stable meaning or equal sum of parts from one exchange to the next, he takes this and divides it into the parts of his choosing: Labour value, use value etc.
This is done to suit the historical materialism that he has set out to prove as the driving force of nature. The value theory of Marx is itself unrefutable, however this is due to its place above the actual and tangible economy. The beauty of creating this ghost is that like any spectre we cannot hit it, for, self contained, it simply flits away into the air from whence it came. The Marxist idea of value presents itself as scientific but remains pseudoscience.
It might follow laws of logic, but not of empirical inquiry. Marx's theory of labour is etherial for this very reason. Marx as a philosopher is well aware of what he is doing. By proposing a theoretical model that sits on top (A superstructure if you will lol) of the processes of production and exchange, in which those processes can function as well without it as with it, he creates a spectre that can jump out at any stage in the process and shout “boo” announcing its presence and then disappearing again.
It, despite the attempts to formally calculate and realise it in reality, remains elusive. But that is a power granted to it by it's creation. It cannot be proven or disproven, you could replace the whole thing with ghosts and it wouldn't lose any logical reasoning. The labour value of Marx indeed acts as a ghost, an intangible and etherial force that work embues into commodities, a spirit that lives in that commodity and realises itself spontaneously when another person claims ownership of it.
The challenge that Marx gives to his acolytes is to find this transformation using his vague mathematical theories, that aggregate the economy, then divide and sub divide through further aggregates until you end up with a number that has absolutely no relevance to anything and has to be proven useful in predicting anything. The Value of Marx is therefore at once a concrete, self contained theory that follows strict laws of logic and is irrefutable in it's own theoretical state.
But it is also a ghost, it takes an intangible human construct and breathes a whole mysticism into it, which l, like any religious system is thoroughly logical in itself. Accept the idea of Kronos and nothing about the Roman pantheon makes sense. There is nothing about Marx's value theory that doesn't mimic in this regard.
It suffers the same fate as well, when science, medicine, economics etc are based on religious mysticism they suffer from the unrelenting forces of reality. Marxist theory suffers the same fate. Marx's observations were nothing new, simply taken from other economic theories of the time. His predictions are explainable with more robustness and accuracy with Austrian Economics for example, which does not need any ghosts to make it work.
His only contribution is the additional and contrived shoe horning in of his theory of value, itself a cheery picked combination of classical economic ideas. Marx wished for value to be a tangible force that can explain things as elegantly as electricity, but instead it remains a ghost, like the old aether that filled the void.
It comes from nothing than the mind, stays in the mind and dies there when it cannot be brought out into reality.

I knew the night before mediation that she was up to no good. I was provided a copy of her financial affidavit two weeks after it was filed with the court. It was supposed to be provided to myself and my attorney at the same time as filing with the court.
STBEX populated her affidavit with grossly inaccurate figures, in every case these inaccuracies provided benefit to herself. When asked where she got these wildly different numbers compared to my filing, she said she used the information I gave her. I forwarded the sole email in which I provided her with screenshots and PDF files from the various online portals to both attorneys and the mediator. The mediator pressed, now asking her why she blamed me when her figures were nowhere to be found in the information I provided. When asked why she lied about it being my fault, and where did she actually get her figures, she refused to talk.
It also came out that she failed to disclose $15k of income that occurred just two months prior.
I came to learn almost accidentally that her Mother purchased a $500k house for her a month prior to mediation. It’s in her mom’s name, but, I’ve learned that she will be living in a newly built-out basement apartment and will be renting out the main living space. In our town, that would likely provide $3-4k/mo of income, while she lives for free downstairs.
I am now reflecting on all of this, as well as how I was refused alimony despite the court calculator saying otherwise, and her “child support” payments to me don’t even cover one half of our kids’ portion of my health insurance.
Specifically about the house purchased for her to live in and collect rental income from, was this a significant issue, that she didn’t disclose this?
I had been advised to not even discuss the possibility of purchasing a multi-unit after the divorce was finalized until the divorce was finalized, because she could easily be entitled to a portion of my profits, and it would also hurt me in calculations while dividing assets.
Her financial affidavit doesn’t mention anything about anticipated rental income, housing with no cost, etc. In fact, it is populated with grossly large numbers describing her cost of housing, which impacted many aspects of the settlement.
I suspect that she provided figures reflecting the cost her mother is paying on the house, to make her cost of living higher, while omitting the substantial income the property would provide her. Plus a free place to live.
Is there a legal issue with these failures to disclose and filing an affidavit under penalty of perjury that contained more the 12 examples of falsified amounts?
While far, far less than many stories I’ve read, I did get the shit end of the stick in this process. She came out around $30k over me in the balance sheet. It put me in bad shape financially, while she’s enjoying significant upgrades to her financial standing.
Is this something a family court would take seriously and hold her accountable to at least rectify the harmful effects caused by her acts of perjury? Is this worth addressing and revisiting the settlement agreement to provide an honest, transparent representation of her finances and costs?

By my count, there are 15 T5 ships available for just dilithium or a level 40 token, which someone might want a starter build for to help them finish off the episode missions and start the reputation grind. My Strict Budget Build covers the three science vessels, the Baby Step series covers the three cruisers with tactical ensigns, Quick Looks 1 and 2 cover the Hegh'ta Bird of Prey and the Jem'hadar Escort, and there's definitely an argument to be made that some are just bad choices. But there was one more I wanted to take a look at here. This series will not be as thoroughly researched as those previous series, and it will not feature optimized skill builds (there are many resources for that), but the builds will be proven in the Badlands Battlezone and in solo Defense of Starbase One Advanced, as well as extensively parsed in the Wanted (Argala System) patrol with comparisons to similar builds. That should adequately demonstrate that they can get you whatever reputation marks you need, using only mission, basic (generally Mk XII uncommon) Exchange, and Phoenix Store items. Each build will be allowed one Mk XV item to maintain parity with the Strict Budget Build, usually a forward weapon. It's also easy enough to put these together that I could be persuaded to do more if there's a ship that deserves it.
So, why the Vo'Quv? Well it's in the name, it's a carrier. Hangar bays are expensive to boost in this game, but that means they have to be balanced to have pretty good base damage. In this case the two hangars did more than half the damage of most of the other builds in this series with hardly any support for them. The downside to carriers is that they often sacrifice a lot for those hangars. Not so for Flight Deck Carriers, which are pretty much full cruisers, or any of the single hangar types, but the science carriers like the Vo'Quv don't really have an obvious path to getting ship damage, especially on this budget. Their turn rate is terrible, which is a problem for most things, they have only 6 weapons so getting a lot from energy weapons is out, and they don't have a secondary deflector, which did do more on my science vessel build than the hangars did here.
So where did I end up, then? Well, with 6 science ability slots and not a ton of options I couldn't see not using them for some direct exotic damage. And since that required me to face forward, and the turn rate was terrible and I couldn't do much about it, I concluded that I'd have to use turrets in the rear with either beam arrays or single cannons forward, the two widest arc weapon combinations possible apart from pure turrets, although their damage potential is limited. The Chronometric set also seemed like a must have, providing a large amount of EPG and some Polaron cat1 from the tac console, and a bit of aux power from the 2 piece, but I wasn't sure whether I'd want the Morphogenic set or not, since it would mean sacrificing a cannon. Then, I went to the TRINITY DPS Calculator from STO BETTER and started plugging in some rough options. Single cannons outperformed beam arrays even with the Chronometric 3 piece, so that settled that, and getting the crtd from the Morphogenic 3 piece and Cannon Scatter Volley was well worth losing a forward cannon for the torp. Attack Pattern Beta proved a bigger contributor than expected thanks to boosting the exotic damage as well, which is why that's at 2 and CSV is at 1, and easily outperformed including a Torpedo Spread as well. Finally I switched the power settings away from a balanced configuration toward weapons over aux and aux over weapons, and the high aux version did best. So that was the build.
How did it perform? Well it was sluggish, obviously, I expected that. But the DPS was pretty impressive and was reflected in how quickly it got kills. And the survivability was pretty good, with a lot of hull and pretty good healing I really couldn't complain, except that it was so sluggish it was hard to run out of range and heal if I needed to. On the other hand when I did withdraw the fighters kept fighting, contributing to the highest Wanted Elite DPS of any of the builds in the table with only one attempt needed to survive the whole mission (the science vessel could do better by charging in and dying a couple of times, but needed to play cautiously and sacrifice its CPB to survive). They were even powerful enough to handle the Birds of Prey in Starbase One Advanced without any help from the mothership, potentially even without player input, which could be convenient.

Captain Details

Captain Name	Stilt
Captain Career	Science
Captain Faction	Federation
Captain Race	Vulcan
Primary Specialization	Temporal	The best specialization for exotic builds, as well as for ground builds and a good generalist option, it provides debuffs, damage boosts, EPG, and survivability

Space Skill Tree

Rank	Engineering		Science		Tactical
Lieutenant		Advanced Hull Capacity			Advanced Energy Weapon Training	Advanced Projectile Weapon Training
Lt. Commander	Improved Electro-Plasma System Flow	Impulse Expertise	Improved Control Expertise	Drain Expertise	Targeting Expertise	Defensive Maneuvering
			Control Amplification	Drain Infection
Commander	Hull Plating				Advanced Weapon Amplification	Advanced Weapon Specialization
Captain	Defensive Subsystem Tuning		Advanced Exotic Particle Generator	Advanced Long Range Targeting Sensors	Advanced Hull Penetration	Advanced Shield Weakening
Admiral					Coordination Protocols	Advanced Tactical Readiness
					Defensive Coordination
					Offensive Coordination
1 Points Left	8		11		26

Space Skill Unlocks

Purchases	Engineering	Science	Tactical
2	Hazard Emitters III	Science Team III	Tachyon Beam III
5	Battery Expertise	Sector Space Travel Speed
7	Feedback Pulse III	Photonic Shockwave III	Jam Sensors III
10		Maximum Shield Capacity
12			Tractor Beam III
15		Control Resistance
17			Viral Matrix III
20		Shield Drain Resistance
24 (Ultimate)			Focused Frenzy
25 (1st Ultimate Enhancer)			Frenzied Assault
26 (2nd Ultimate Enhancer)			Team Frenzy

This skill tree is my generalist one from Strict Budget Build part 2, and it pretty much needs to be. This build relies on both energy weapon and exotic damage, so it can't afford to neglect either one. There are other generalist skill trees, of course, but that is what you'll need to be looking for, any single purpose tree isn't going to get the job done.

Ship Loadout: Vo'Quv Carrier

Slot	Item	Notes
Fore Weapon 1	Polaron Cannon	The one Mk XV, single cannons are usually a poor choice, but they will outperform beam arrays forward/turrets aft and provide 180 degrees of firing arc
Fore Weapon 2	Polaron Cannon	The Vo'Quv suffers from terrible turn rate so it doesn't want weapons with narrow arcs, but it needs to face forward for the exotic damage
Fore Weapon 3	Morphogenic Polaron Energy Torpedo Launcher	Here for the 3 piece set bonus providing 30% crtd to the whole ship
Aft Weapon 1	Heavy Chronometric Polaron Turret	Mostly need a turret, 2 piece provides some aux
Aft Weapon 2	Morphogenic Polaron Energy Weapon	Another turret, and contributes to the 3 piece
Aft Weapon 3	Polaron Turret	Just a turret
Deflector	Solanae Deflector Array Mk XII Very Rare	Provides more EPG out of the box than any other mission reward
Impulse Engines	Sol Defense Impulse Engines Mk XII Very Rare	With the bonus from getting hit this does just provide the best total turn rate out of the mission rewards at 14.7 degrees/s, replace with Fortified Competitive rep engines
Warp Core	Obelisk Subspace Rift Warp Core	This build only hits 122 aux so this doesn't actually help, could consider Deuterium-Stabilized but the benefit is minimal
Shields	Sol Defense Covariant Shield Array Mk XII Very Rare	2 piece is nice for survivability, alternative would be Jem'Hadar 2 piece for a bit of Polaron cat1.
Devices	Exotic Particle Flood	Crafted in Science R&D. I do have to admit that the materials are a little hard to come by, and Admiralty (with account unlocked ships) is the best source I've found.
	Deuterium Surplus	Evasive Maneuvers in battery form, and you can collect 4 per day from the Alhena system.
	Delta Alliance Reinforcements Beacon	Handy damage boost
3 Engineering Consoles	Console - Engineering - Trellium-D Plating Mk XII Very Rare	Good survivability console, could use a Neutronium instead
	Console - Engineering - Polaric Modulator Mk XII Very Rare	Boosts Inertia, which is rare, as well as turn rate, and slipstream turn rate at warp
	Console - Engineering - House Martok Defensive Configuration Mk XII Very Rare	Boosts turn rate and provides some survivability, an RCS would work too
4 Science Consoles	Console - Science - Temporal Disentanglement Suite Mk XII Very Rare	Nice crit and durability boost, plus some power.
	Console - Science - Temporally Shielded Datacore Mk XII Very Rare	Slightly less EPG than Particle Generators but it makes up for it with the CtrlX
	Console - Science - Particle Generator Mk XII Uncommon	Just need EPG
	Console - Science - Particle Generator Mk XII Common
2 Tactical Consoles	Console - Tactical - Morphogenic Matrix Controller Mk XII Very Rare	For the 3 piece and some polaron cat1
	Console - Tactical - Chronometric Capacitor Mk XII Very Rare	Good EPG, some aux from the 2 piece, and some Polaron cat1, and this build uses all of it
2 Hangar Bays	Hangar - To'Duj Fighters	These provide more DPS than any other hangar that's available by default, and they come with the ship, they will die in heavy AoE content, otherwise use two
	Hangar - Delta Flyers	These have slightly less DPS than To'duj but almost never die in any content, but do require a level 65 KDF character for Cross Faction Flying. Could substitute B'rels for more DPS loss

Officer Details

Bridge Officers
Lt. Commander Tactical	Tactical Team I	Shield distribution and debuff clear, may cause firing cycle problems but I haven't seen it
	Cannon: Scatter Volley I	Excellent weapon damage buff and also spreads APB to up to 3 targets
	Attack Pattern Beta II	Unusual to slot this above the firing mode, but it boosts every damage source and weapon damage is only ~1/4 of the total
Lt. Commander Engineering	Emergency Power to Engines I	More than doubles speed and provides +2 turn rate, essential mobility for any build
	Auxiliary to Structural I	Excellent heal and damage resist, and on a very short cooldown
	Emergency Power to Weapons III	Major energy weapon damage boost
Commander Science	Hazard Emitters I	Good hull heal and debuff clear
	Destabilizing Resonance Beam I	Good exotic damage, used with GW
	Photonic Officer II	Cooldown reduction
	Gravity Well III	Good exotic damage and control
Lieutenant Science	Science Team I	Shield heal and debuff clear
	Tyken's Rift I	Exotic damage, alternate with GW

Traits & Duty Officers

Trait	Name	Description	Notes
Personal Traits	Astrophysicist		A little bit of EPG
	Cannon Training		A little more cannon damage
	Conservation of Energy		Significant exotic damage while solo, but stacks don't last long
	Deft Cannoneer		Boosts turn rate by 1, on this build we need it, from Cannons R&D
	Fleet Coordinator		One of the best traits in the game when on a team
	Give Your All		Excellent hull damage resistance, from Engineering R&D
	Operative		Some extra crit
	Particle Manipulator		The most powerful trait for exotic damage, +50%/+29.6% crth/crtd on this build, from Science R&D
	Photonic Capacitor		Extra Photonic Fleet is nice to have
Starship Traits	None		Unconventional Tactics from completing Strategist is definitely worth slotting here, but I kept it cheap.
Space Reputation Traits	None		You'll start picking these up very quickly, Precision and Advanced Targeting Systems are top picks.
Duty Officers	Projectile Weapons Officer		"Law" from A Fistful of Gorn, a bit of a pain to get there, but worth having
	Projectile Weapons Officer		A common included in my first duty officer pack
	Astrometrics Scientist		Uncommon, also in my first pack, handy to have set
	Conn Officer		From Phoenix, a must have for mobility in any build

This table shows all damage sources in one Wanted Advanced run, with multiple lines from the same source summed together.

Source	DPS
To'Duj Fighters	6594
Delta Flyers	4504
Gravity Well	3571
Photonic Fleet	3170
Polaron Cannons	2889
Destabilizing Resonance Beam	1728
Chronometric Turret	1156
Polaron Turret	1001
Morphogenic Turret	994
Morphogenic Torpedo	855
Tyken's Rift	839
Drain Infection	708
Entropic Rider	144

^{Table formatting brought to you by ExcelToReddit}
Now, let's talk keybinds. In STO on PC you're going to want to learn keybinding eventually, and most of it's not too hard and can be done through the chat window (although it is arguably better to create a separate text file with your binds, that's more complicated). The first thing I always do is to set up a secondary fire weapons button through settings, usually V, just in case I screw up and my intended fire keybind doesn't work. While I'm there I usually set Distribute Shields to Left Shift, it's a pretty good survivability boost, although a lot of people do say it can mess up firing cycles, but personally I've never noticed a problem. Then, the commands you'll want to know are "FirePhasers" or "FireAll", "+power_exec Distribute_Shields", and "+TrayExecByTray # #", where # is a number. Note that the list of commands needs quotation marks around it, and commands should be separated by "$$". So if you typed the following into the chat: /bind y "+TrayExecByTray 0 0 $$ +TrayExecByTray 0 1 $$ +TrayExecByTray 1 2 $$ +TrayExecByTray 1 3" That would create a keybind so that y would activate the first and second abilities in the row labeled 1, and the third and fourth abilities in the row labeled 2 (0 in a keybind means 1 in the UI, 1 means 2, 2 means 3, etc., that's just how it works), starting with the fourth ability in 2 and then proceeding backwards. From there on in it's personal preference, put things where they feel natural to you, where you're used to them being. What I use has evolved naturally over time, I make no claims that it's efficient, just that I'm used to it, and I use it on everything. For fire weapons, distribute shields, Emergency Power abilities, cooldown reduction, often Aux to Structural, and anything else I just want to keep active I use spacebar, like this: /bind space "FireAll $$ +power_exec Distribute_Shields $$ +TrayExecByTray 6 0 $$ +TrayExecByTray 6 1 $$ +TrayExecByTray 6 2 $$ +TrayExecByTray 6 3 $$ +TrayExecByTray 6 4" That's the first 5 slots in row 7, which is usually enough. Then for my firing modes, Attack Pattern Beta, and so on, things with short cooldowns I activate as I attack, I use the 7 key, no good reason for that it just happened, and the first 4 slots in row 3: /bind 7 "+TrayExecByTray 2 0 $$ +TrayExecByTray 2 1 $$ +TrayExecByTray 2 2 $$ +TrayExecByTray 2 3" And finally for my exotic builds I always put Gravity Well and Destabilizing Resonance beam on 2, using the next two slots in row 3, although it is true that the usual logic behind that doesn't apply here, I just did it out of habit: /bind 2 "+TrayExecByTray 2 4 $$ +TrayExecByTray 2 5" That's all the keybinds I use, everything else I activate manually, one at a time, but it does compress 13 keys I might want to be pressing down to 3, which helps a lot.
Now, the difficult thing about this build is that I really don't know how to suggest upgrading it, apart from the obvious necessity of some Competitive Reputation engines to get their Overcharge to improve turn rate, I made sure to use Aux to Structural to pair with the Fortified version of those. The damage is very divided between different types, with about 40% from hangars, 25% from exotics, and 21% from energy weapons, and it's not getting a lot out of any of them, but I'll provide my own ideas and the STO BETTER Basics links for all three. Currently the biggest damage source is the hangars, but trying to improve those would be expensive. Ideally you'd like to pick up Superior Area Denial from the Mirror Strike Wing Escort lockbox ship, or at least the Independent Wingmate space trait, but those are very expensive compared to this build. Even the more minor and less powerful Advanced Engineering – Hangar Craft Power Transmission consoles are starting at 1 million energy credits each on PC for either a Mk XII with a useless mod or a Mk II with an [EPG] mod, or 5 million for a Mk II with [Polaron], while Swarmer Matrix is going for 7 million. If you wanted to work on exotic damage you could of course pick up the Temporal reputation two piece, and then you might want Subspace Vortex or Very Cold in Space to replace the heals with some more damage, but those will cost you 9 million each, and really you'd want to pair them with Spore Infused Anomalies from the Somerville or Batlh C-store ships for a truly potent source of exotic damage. You might be able to get good exotic damage out of the Gravimetric Photon and Particle Emission Plasma torpedoes after picking up the Competitive engines, and those aren't as expensive, but they do give you a much narrower arc. And if you wanted to improve the energy weapons, of course there are reputation items you can pick up starting with the Discovery reputation shield, but you're pretty limited by the combination of poor turn rate and forward firing exotics. You could try to switch to dual (heavy) cannons, probably moving the torpedo to the rear and dropping the plain turret, but I don't think I'm a good enough pilot to pull that off even with Competitive engines, which would leave you with single cannons which have underwhelming base damage and very few set items to support them. I just don't know what direction to go in to make a really impactful improvement in this build.
Finally, here's the table of DPS testing in the Wanted patrol for all five equivalent budget builds. The Luna used the original, unaltered Strict Budget Build, using the mentioned swap of Emergency Power to Shields instead of Aux to Structural for better survivability against non-Borg. The Vor'cha sat somewhere between parts one and two of the Baby Step series, meaning it had exactly the same consoles as the Hegh'ta BoP and similar ones to the Jem Escort, and the beam equivalents of the phaser weapons, with exactly the abilities and personal traits in the Baby Step posts. It must also be said that the Vor'cha and Vo'quv were the only builds to never die on elite difficulty, and the Vor'cha was definitely the toughest, although all the builds took about 20 minutes to get through the mission so using them at that difficulty is a bad idea. The Hegh'ta of course used the Quick Looks 1 build, and the Jem Escort used the Quick Looks 2 build.

	Elite (DPS thousands)	Advanced 1 (DPS thousands)	Advanced 2	Advanced 3	Advanced 4	Advanced Average
Hegh'ta Heavy BoP	20.0	20.1	21.5	22.5	23.2	21.8
Jem'hadar Escort	19.3	23.4	20.6	21.8	19.7	21.4
Vo'quV Carrier	27.3	26.3	28.2	26.6	25.2	26.6
Luna Science Vessel	24.8	31.4	28.3	27.9	27.0	28.6
Vor'cha Battlecruiser	15.1	15.0	14.1	14.8	14.6	14.6

^{Table formatting brought to you by ExcelToReddit}

Churn rate can be calculated by dividing the number of customers lost during a period by the total number of customers at the start of that period, then multiplying by 100 to get a percentage.

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If we wanted to calculate the odds of winning 3 times then losing 2 times and the odds of winning were 3/4 and losing were 1/4 we would just do 3/4³ x 1/4² and multiply that by the 5 choose 2, this makes sense because we have 5 choose 2 ways in terms of order of wins or losses, but in a hypergeometric distribution why don’t we do this? For example what are the probability of picking up 7 balls without replacement and 3 of them being blue and 4 being red if at the start there are 12 blue balls and 8 red balls the probability would be ((12 choose 3) x (8 choose 4) )/(20 choose 7) but why do we not need to take into account the order we get these balls? Because I understand that this represents the total combinations but it doesn’t take into account the order we pick up the balls as opposed to the first binomial distribution problem

Bounce rate is a term used in Google Analytics. It measures the percentage of visitors who enter a site and then leave without viewing other pages. Each visit like this is called a "bounce."
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I’m pretty new when it comes to excel and have so far figured out for what I need. However I’m stuck on calculating duration. I have to keep track of my supervision hours for my job which then is added to my monthly hours which is then divided by eachother to get my total percentage. What I’m running into is how to calculate the duration of my supervision. For instance : I have a column of my supervised hours in duration. For example I’d have multiple times ranging from 30 minutes up to 3 hours. I want to get the TOTAL duration of hours. I know it’s simple math but when I have times like 1 hour + 30 minutes + 2 hours 45 minutes it gets confusing. I know I’ll be told to use =sum + the whole column which I did but it gives it to me in the time format (hh:ss). However this doesn’t work for what I need as I have another column already made to calculate the division for my percentage and this doesn’t work because it’s using the hh:ss format… I hope this wasn’t too confusing of a question. I can provide a visual if needed. Please help. Thanks

I applied for EI when I lost my job about a month ago and am starting a new position this week, mid-week. With my severance and vacation payout, I'll technically only be eligible for a couple of days worth of EI but I figure I may as well claim for those couple of days since I have the application open.
The challenge is, the position is salaried and I have no clue how to calculate my "earnings" on a per-day basis for the purpose of an EI report? Is it net or gross? Do I divide salary by 365 days, or however many days in the year are weekdays? Or do I exclude the 3 weeks of PTO as well? I don't want to f this up and find myself in a pickle but I also don't know how the heck I am supposed to do this when I don't work an hourly position.

If You're struggling to handle your Online Exams, Assignments or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
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HOW TO CONTACT ME:
Paid Help from Hiraedu: If You're struggling to handle your Online Exams, Assignments or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641

• I take my work as a tutor very seriously, and I always aim to do my best to help my students excel in school. I have a solid and sincere passion for academic achievement, and with my help, I am positive that I can help students obtain very high grades with minimal stress and effort.
• Please feel free to contact me if you're interested in my services and would like to learn more. I'm available 24/7 via phone call, email, and text. Again, thank you for taking the time to read my Reddit tutoring ad, and I hope to hear from you soon!

My contact details:
WhatsApp: +1 (213) 594-5657
Call: +1 727 456 9641
Website: hiraedu. com
Email: [info@hiraedu](mailto:info@hiraedu). com
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First of all, these are the contact details to reach us for help any type of academic task of any subject:
MY CONTACT INFO:
WhatsApp: +1 (213) 594-5657
Call: +1 727 456 9641
Website: hiraedu. com
Email: [info@hiraedu](mailto:info@hiraedu). com
ASSESSMENTS I CAN COMPLETE:

• Online Courses (1 - 20 Weeks Long)
• Homework Assignments
• Exams Quizzes Tests
• Excel Projects
• Discussion Forum Posts
• Research Papers Term Papers Essays
• Employment Assessments

MY MATH SUBJECTS OF EXPERTISE:
I am very knowledgeable and proficient in assisting students in a wide range of mathematics classes. I can help students complete their homework assignments and other projects get an A on quizzes, tests, and exams (including proctored assessments) answer online discussion posts write essays & papers in MLA APA Chicago format and provide general overall academic help in each math course listed below:

• Advanced Placement Honors High School Level Math
• AP Calculus AB A.P. Calculus BC
• AP Statistics
• Biostatistics Bio-Statistics
• College Algebra Intermediate Algebra
• Business Calculus
• Business Statistics
• Business Math
• Calculus I Calculus II Calculus III (Calc)
• Geometry
• International Baccalaureate (IB) Maths
• Liberal Arts Math
• Logic & Reasoning
• Multivariable Calculus Multi variable Calculus
• Precalculus Pre-calculus
• Probability & Statistics
• Psychology Statistics Psych Stats
• Quantitative Reasoning Quantitative Methods Quantitative Literacy (Quant)
• Statistics (Stats)
• Statistics for Social Sciences
• Trigonometry (Trig)

STATISTICS HELP (MY BEST SUBJECT):

• I have a master's degree in Applied Statistics from a university in New Jersey, USA. As a result, I am very proficient in helping students with various types of Statistics courses including Biostatistics Business Statistics Elementary Statistics Probability & Statistics Psychology Statistics.
• I have extensive knowledge and skill with helping students get through various statistical concepts including all of the following in alphabetical order:
• ANOVA Bar Graph, Boxplot, Dot Plot, Histogram, Pie Chart Bias Binomial, Exponential, Poisson, Gamma, Uniform Distribution Central Limit Theorem Chi-Square Test Coefficient of Determination (R^2) Conditional & Relative Probability Confidence Interval Correlation Coefficient (r) Critical Region Critical Value Descriptive & Inferential Statistics Effect Size Expected Value Experiment vs Observation Goodness of Fit Test Hypothesis Testing Interpolation & Extrapolation Interquartile Range (IQR) Kurtosis Left, Negative, Right, Positive Skewed Distribution Logistic Regression Mean, Median, Mode, Midrange Multiple Regression Nominal, Ordinal, Interval, Ratio I Population Parameter Normal, Symmetric & Bell Shaped Distribution Null & Alternate Hypothesis One & Two Sample T-Test One & Two Sample Z-Test Ordinary Least Squares Outliers P-Value Pooled Variance (Equal Variances) Proportion R^2 Range Regression Regression Line Reject & Fail to Reject Ho Relative & Cumulative Frequency Distributions Relativity & Reliability Right, Left, One, Two Tailed Tailed Hypothesis Test Sample Statistics Sampling Methods (Convenience, Stratified, Simple, Cluster, Systematic) Significance Level (1%, 5%, 10%) Skewness Standard Deviation& Variance T-Score Test Statistic Time Series Type I & Type II Errors Unbiased Estimators Z-Score

ALGEBRA HELP:

• I am well-versed in helping students do well in Algebra 1 & 2 College Algebra Intermediate Algebra Pre-Algebra and I am very knowledgeable and proficient in the following algebra topics in alphabetical order:
• Absolute Values Circle Equation Domain Exponents Graphing Horizontal & Vertical Asymptotes Inequalities, Equations & Functions Inverse Functions Linear, Exponential, Logarithmic, Quadratic Equations Logarithms Maximum & Minimum Values of a Graph Number Lines One-to-One Functions Parallel & Perpendicular Lines Plotting Points & Ordered Pairs Point-Slope Form Polynomial Division Polynomials Radicals Range Rational & Irrational Expressions Rational Functions Real Roots Real Zeros Relations & Functions Slope Slope-Intercept Form Square Roots Standard Form of a Line System of Equations System of Inequalities Variables X and Y Intercepts

CALCULUS HELP:

• I am well-versed in helping students do well in Calculus I, II & III, Calculus 1, 2 & 3, Business Calculus, Multivariable Calculus, Vector Calculus and I am very knowledgeable and proficient in the following calculus topics in alphabetical order:
• Absolute & Local Maximum and Minimum Antiderivative Area & Volume Chain Rule Concavity Continuity Convergence Test Critical Points Curvature Curve of Rotation Curve Sketching Derivatives Divergence Test First & Second Derivative Test Fourier Series Implicit Differentiation Increasing / Decreasing Functions Infinite Series Integrals Integration by Parts Jacobian Matrix Limits L’Hopital’s Rule Maclaurin Series Mean Value Theorem Partial Derivative Product & Quotient Rule Reiman Sum Related Rates Simpson’s Rule Solid of Revolution Substitution Rule Taylor Series

ATTRIBUTES THAT SET ME APART FROM OTHER TUTORS:

• I firmly believe that I have many attributes and skills that set me apart from other tutors. Below is a list of qualities that makes me an ideal fit to help you master your coursework:

I CAN AID STUDENTS TAKING PROCTORED ASSESSMENTS:

• Proficient in CollegeBoard AP Calculus AB, AP Calculus BC & AP Statistics exams.
• Skilled with International Baccalaureate Math Exams: IB Maths HL & IB Maths SL
• Can intentionally answer a few problems incorrectly at the student's request.
• Can text solutions to the student while they are taking a proctored exam.
• Upon request, can purposely obtain grades below an A (ex: B+, B, C+, C-).
• I can stretch out the time to a plausible length for timed exams and assignments before submitting them.
• Have reliable software that can change my IP address to match the closest major city near the student.
• I have exceptional multiple-choice exam-taking skills. I have mastered the various techniques to make calculated guesses for the correct option in standardized exams such as the SAT & GRE.

I CAN VERIFY MY ACADEMIC KNOWLEDGE & SKILLS:

• I have no problem with requests to solve sample problems upfront to prove my knowledge & proficiency of the course concepts.
• I can provide glowing references & strong examples of work done for past clients to verify my academic skills.
• I can also provide, upon request, complete detailed calculations with explanations for solutions to the problems worked on.
• I am quite skilled and adept in using multiple modernized educational platforms and software, including but not limited to: Brightspace MyStatLab D2L WebAssign Canvas MyMathLab Blackboard ALEKS
• Can format term papers and discussion posts in APA MLA Harvard Chicago Vancouver OSCOLA IEEE format.

I HAVE PAID ACCESS TO OVER 15 STUDY-HELP WEBSITES AND MATHEMATICAL SOFTWARE:

• I have multiple paid subscriptions to a wide range of academic tutoring resources, including Chegg, Quizlet, CourseHero, Brainly, Grammarly, Study. com, Bartleby, Slader, Transtutors, Slideshare, StudocU, Turnitin, Academia, SymboLab, WolframAlpha, and Scribd to help guide to solve exam & homework questions that I may not immediately know.
• However, I am smart enough not to blatantly plagiarize solutions online but instead write them in my own unique words, formatting, & mathematical terminology.
• I have access to a very sophisticated graphing calculator and various mathematical software that provides step-by-step solutions to complex mathematical problems within seconds, allowing me to provide exact solutions to the student in a timely manner.
• I have impeccable handwriting and a high-quality mobile scanner app that allows me to scan written solutions in very legible high-definition JPG, PNG, or PDF formats.

I ALWAYS ACCEPT CALLS:

• I have no problem speaking with potential clients on the phone.
• I have an authentic suburban upper-middle-class American accent, similar to the actor: Ben Stein.
• However, be wary of so-called “tutors” who refuse to accept any phone calls or have a strict “text / email only” policy.
• These “text-only” / “email-only” tutors are usually located outside the U.S. and are afraid their foreign accent will expose their true nationality.

I WRITE LIKE A PROFESSIONAL:

• Approximately 98% of the time, I write all my texts & emails in grammatically correct U.S. English with proper punctuation and occasional typo.
• Unlike some alleged “U.S.-based tutors,” I do NOT write using broken English or grammatically incorrect texting shorthand (example: "wut u need help wit??").
• I write my ad in proper American English, the same way I always text and email people.
• I can guide students on formatting & writing term papers, essays, and discussion posts in APA MLA Chicago Harvard format.
• If the tutor you’re checking out consistently writes using egregiously horrendous grammar, do you honestly think it’s a good idea to trust them to help you do well in your class?

MY EDUCATIONAL SOFTWARE OF EXPERTISE:

• I am very knowledgeable and well-versed in a wide range of educational software to tutor students in including but not limited to: Acellus ALEKS APEX Learning Aplia Blackboard Brightspace Canvas Cengage CengageNow Connect ConnectMath Connexus CPM D2L Discord Edmentum Eviews Examity Excel Hawkes Learning Honorlock Khan Academy Knewton LimeSpring Lumen Maple MasteringChemistry MasteringPhysics MathXL (XL) MATLAB McGraw-Hill Microsoft Word Minitab Moodle MyAccountingLab MyEconLab MyITLab MyLab My Lab MyMathLab My Math Lab MyOpenMath MyPsychLab MySocLab MyStatLab My Stat Lab NCSS Open Source Software Pearson PERT PlatoWeb PowerPoint Prezi R Respondus Lockdown Browser with Webcam Sapling SPSS Stata StraighterLine Straighter Line WebAssign Web Assign Webex (Cisco) WebWork Wiley WileyPlus Wonderlic Zoom

SCHOOLS FROM WHICH I'VE HELPED STUDENTS IN :
As of 2021, I have tutored and helped students enrolled at the following U.S. universities community colleges county & city colleges schools for-profit institutions listed below in alphabetical order:

• A - C: American Public University System (APUS) Arizona State Ashford Brigham Young Brown Broward California State (Fullerton) Capella Chamberlain (Illinois) Colorado Technical Columbia Columbia Southern Cornell
• D - K: Dallas College Dartmouth DeVry Excelsior College Florida International Florida State Full Sail Georgia State Grand Canyon Harvard Houston Community College Ivy Tech Community College Kaplan Kennesaw State Kent State
• L - T: Liberty Lone Star College System Kaplan Miami Dade Michigan State CUNY State University of New York (SUNY) Northern Virginia Ohio State University of Phoenix (UOP) Penn State Princeton Purdue (Davenport) San Diego State San Francisco State San Jose State Southern New Hampshire Southern Nevada Stanford St. Petersburg Strayer Texas Tech
• UNIVERSITY OF: Alabama Arizona California (UC) Central Florida Chicago Cincinnati Florida Houston Illinois (Urbana-Champaign) Iowa Maryland Minnesota Michigan North Texas Pennsylvania Southern Florida Texas Toronto
• U - Z: UCLA Extension Utah State Utah Valley Valencia Walden U Wake Technical Western Governors Wilmington Yale

I OFFER FLEXIBLE PAYMENT PLANS:

• I offer several unique payment plans, including a weekly plan, a discounted monthly plan, a discounted half-now / half-later plan, and highly discounted up-front rates.
• I can accept the following payment methods for my services: PayPal Debit Cards Square Cash Credit Cards Cash App Venmo.
• Only people located in North America have access to Venmo Cash App Zelle.
• This is an excellent way to determine if the person you're dealing with is from the United States.
• Within reason, I offer a partial or full money-Back guarantee if the student is very unsatisfied with my academic services.

HELP AVAILABLE FOR OTHER SUBJECTS:

• For other subjects, you can reach out to me, and I can connect you with one of my tutoring partners who can provide general academic assistance for the following subjects:
• Art & Design: Art History Design Film Studies
• Business: Accounting (Acc) Biz Courses Business Administration (Biz Admn) Business Calculus Business Law Business Statistics Corporate Finance Economics (Econ) Finance (Fin) Financial Accounting Intermediate Accounting Intermediate Microeconomics (Micro) Macroeconomics (Macro) Management (Mgmt) Managerial Accounting Marketing MBA
• Computer Science: C C++ Computer Programming (Comp) Java Python R (Introduction & Intermediate Level Only)
• Humanities: Communications (Comm) English Literature Essay & Term Paper Writing, Editing, Proofreading Essays History Papers Philosophy (Phil) Religious Studies Theology (Theo)
• Mathematics: A.P. Calculus AB & BC Psychology Statistics AP Statistics Bio statistics Calculus I (1) Calculus II (2) Calculus III (3) College Algebra Differential Equations Discrete Math Finite Math Functions General Math Geometry Liberal Arts Math Linear Algebra Multi-variable Calculus Partial Differential Equations Precalculus Probability Quantitative Reasoning Real Analysis Statistics Trigonometry (Trig) Vector Calculus
• Science & Medicine: Anatomy & Physiology (A & P) Biochemistry Biology (Bio) Biostatistics Earth Science Environmental Science General Chemistry (Chem) Healthcare Medicine Nursing Nutrition Organic Chemistry Physics (Phys)
• Social Sciences: Anthropology Economics (Econ) Geology Law & Justice Liberal Arts Liberal Studies Political Science Psychology Sociology

THE OBLIGATORY "IS THIS A SCAM?" QUESTION:
Considering the fact that you found my contact information online, it’s understandable to be skeptical regarding the legitimacy of my services. Therefore, I’m willing to do all of the following to help you feel more secure in trusting me with your academic needs:

• 1) Speak with you on the phone and answer any questions you may have so that you have the opportunity to assess and analyze my tone, articulation, accent, diction, dialect, regionalisms, pitch, vocabulary, word choice, intonations, and inflections.
• NOTE: I’m a New Jersey-born Irish/Italian-American, but I have been told that I speak in an erudite & articulate suburban American accent with a “professor style” voice somewhat resembling the voice of actor: Ben Stein.
• 2) Agree to do some homework questions of yours upfront with the work fully shown in real-time to prove my mastery of the course content.
• 3) Send you screenshots of at least five past scores I attained from completing exams & homework assignments for other students in the same type of class you need help with.
• 4) Send you full screenshots of written exam solutions I wrote up by hand for students in the past in the same course that you need help with so that you can see my neat handwriting.
• 5) Provide you with the contact information of students who have utilized my services in the past who would be more than willing to vouch for my skills.

HOW TO CONTACT ME:

• If you are interested in my services and would like to learn more info, please feel free to reach out to me.
• Text messages and email are the fastest and easiest ways to get in touch with me. However, I gladly accept phone calls.
• If I don't respond right away, I am most likely helping a student at the time and not currently available to speak on the phone. But I always make a solid effort to reply to texts, emails, and phone calls within an hour.

CONCLUSION:

• I take my work as a tutor very seriously, and I always aim to do my best to help my students excel in school. I have a solid and sincere passion for academic achievement, and with my help, I am positive that I can help students obtain very high grades with minimal stress and effort.
• Please feel free to contact me if you're interested in my services and would like to learn more. I'm available 24/7 via phone call, email, and text. Again, thank you for taking the time to read my Reddit tutoring ad, and I hope to hear from you soon!

OCT 2021 UPDATE: I am currently offering discount deals for requests for assistance with completing a student's entire course for the Fall 2024 semester (14 - 20 week courses acceptable), as well as discounts for students seeking help with multiple exams and/or multiple classes for Fall 2024. My availability for the Autumn 2024 / Fall 2024 semester will likely become limited very quickly as I receive more and more academic requests. Therefore it would be very advantageous to reach out to me for academic assistance before my schedule becomes too full.
MY CONTACT INFO:
WhatsApp: +1 (213) 594-5657
Call: +1 727 456 9641
Website: hiraedu. com
Email: [info@hiraedu](mailto:info@hiraedu). com

I have always been 1.72m, and have a little spreadsheet with my weights since the beginning of the year when I restarted trying to lose weight. I've lost 28lbs, all good. But on this spreadsheet I have a column that calculates my BMI with every weigh in (weight in kg divided by height in metres squared).
Today I went to the doctors office and saw a height measurement apparatus stuck to the wall. I saw a few weeks ago that after the age of 30 the average person shrinks 1cm every 10 years. I measured my height and am gutted to be 1cm shorter than I thought. (Slightly more actually but I'm ignoring that). So I had to change the formula on my spreadsheet and my BMI has bumped up a little. I know it's silly and means nothing but knowing it's only going to keep getting worse is a bit gutting!
Check your heights people!!

So this is a bit different as I have a college degree in math and have done college physics and can't exactly figure out my highschooler sister-in-law's homework. It's obviously using a shortcut, and I want to know if the shortcut is valid and I simply don't know it or if the book is simply wrong.
Question:
A tape was attached to a moving trolley. The trolley was moving progressively slower due to a constant frictional force.
Chart: (Apologies for the bad formatting)
Interval, Displacement in mm, Time in s:
1, 36, .6
2, 30, .6
3, 24, .6
4, 18, .6
5, 12, .6
​
3.1 Calculate the magnitude of the average velocity of the trolley during the second interval
(It will be 30/.6 = 50 mm/s)
3.2 Calculate the magnitude of the average velocity of the trolley during the fifth interval
(It will be 12/.6 = 20 mm/s)
3.3 Calculate the average acceleration of the trolley
Here's where I get stuck. Looking at the level of the course she is in, it seems fairly obvious that they want her to take the change in velocity and divide by the time. But the velocities that she has calculated are *average* velocities. And she hasn't exactly learned calculus or has a chart to give her the instantaneous velocities.
I think the book wants her to take the previous two answers and get the average acceleration from those. That would give a change of -30 mm/s in velocity over 1.8 seconds, so about -16.67 mm/s^2.
You seem to be able to do the same thing by realizing that the difference between each section is -6mm, so that would be a change of -10mm/s in velocity each section, and since each section is .6 seconds, that also gives you -16.67 mm/s^2.
So it's fairly obvious to me that that is the number the book expects from her. But I know enough calculus and physics that I'm very hesitant to try to get the average acceleration from average velocities, as I'm pretty sure that doesn't work. My question is, is there a built in assumption here (like constant acceleration) that makes this shortcut correct, or is the book flat out wrong? Trying to explain the math to her is much harder when I'm not even sure if the book is correct!

Online Statistics Help: A Step-by-Step Guide to Solving Statistics Problems Online

If you are unable to Pass your Stat Exams, Quizzes, Tests or Unable to Handle Homework Assignments or full course online, Get paid help from Online Helpers at Hiraedu!
Contact Details for Hiraedu Helper:
WhatsApp: +1 (213) 594-5657
Call: +1 727 456 9641
Website: hiraedu. com
Email: info@hiraedu. com
Statistics can be a daunting subject, especially when it comes to solving problems online. With the abundance of resources available, it's easy to feel overwhelmed. In this blog, we'll provide a comprehensive guide on how to solve statistics problems online, covering the best resources, tools, and techniques to help you succeed.
Section 1: Understanding Statistics Basics Before diving into online resources, it's essential to have a solid grasp of statistics fundamentals. Brush up on concepts like:

• Descriptive statistics (mean, median, mode, range)
• Inferential statistics (hypothesis testing, confidence intervals)
• Data visualization (charts, graphs, plots)
• Probability distributions (normal, binomial, Poisson)

Section 2: Online Resources Utilize these online resources to solve statistics problems:

• Khan Academy
• Stat Trek
• Wolfram Alpha
• Symbolab
• Mathway
• Statistics Calculator

Section 3: Tools and Software Familiarize yourself with these tools and software:

• R Studio
• Python libraries (NumPy, Pandas, Scipy)
• Excel (Microsoft)
• Google Sheets (Google)
• SPSS (IBM)

Section 4: Techniques for Solving Statistics Problems Follow these steps to solve statistics problems online:

1. Read and understand the problem statement
2. Identify the type of problem (hypothesis testing, confidence intervals, etc.)
3. Choose the appropriate tool or software
4. Enter the data or parameters
5. Interpret the results
6. Verify the solution using alternative methods (when possible)

Section 5: Tips and Best Practices

• Practice regularly to build your statistics skills
• Use online resources to supplement your learning
• Join online communities (Reddit, Stack Exchange) for support
• Take online courses or tutorials to deepen your understanding
• Use visualization tools to explore data

Solving statistics problems online requires a combination of knowledge, resources, and practice. By mastering the basics, utilizing online tools and software, and following the techniques outlined in this guide, you'll become proficient in solving statistics problems online. Embrace the wealth of resources available and take your statistics skills to the next level!

My wife (F33) and I (M34) were using mint, now using Simplifi to track our monthly income (net paycheck) and expenses (cash out of accounts). Using more of a cash basis method. Then I transfer this into a spreadsheet, for a rough income and loss statement. As well have a balance sheet listing all of assets and debts, making a sorta net worth statement.
This net worth statement is more of a true accrual statement since it is showing the fluctuations of unrealized gains and losses in our investment and retirement accounts. I included a sub section that lists our retirement accounts. This subsection is what has me and her in disagreement of whether a certain type of an account should be included. Due to this not being a 403b/457/IRA, we have always left it out of the retirement section.
My wife is a school teacher (in NYS), so she has a great pension that she is a part of. This will guarantee payments to her once she retires. There are age restrictions, and other considerations, but based on her current salary and years of service, she would receive about $17k per year, if she was to stop working today and collect on the pension when she turned 63. Dividing by 4%, puts a value on it of about $425k. But if she was to pass away, our family would only get a death benefit of $285k. Which is why I have never included it.
This is just our own calculation that we enjoy watching build. So including it, would give more enjoyment seeing that pension grow as year of service keep building.
What is everyone thoughts on including the higher value / death benefit / no value of something like this for our internal statements of worth and accounts?