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Question: Develop a spreadsheet model to determine how much a person or a couple can afford to spend on a house.7 Lender guidelines suggest that the allowable monthly housing expenditure should be no more than 28% of monthly gross income. From this, you must subtract total nonmortgage housing expenses, which would include insurance and property taxes and any other additional expenses. This defines the affordable monthly mortgage payment. In addition, guidelines also suggest that total affordable monthly debt payments, including housing expenses, should not exceed 36% of gross monthly income. This is calculated by subtracting total nonmortgage housing expenses and any other installment debt, such as car loans, student loans, credit-card debt, and so on, from 36% of total monthly gross income. The smaller of the affordable monthly mortgage payment and the total affordable monthly debt payments is the affordable monthly mortgage. To calculate the maximum that can be borrowed, find the monthly payment per $1,000 mortgage based on the current interest rate and duration of the loan. Divide the affordable monthly mortgage amount by this monthly payment to find the affordable mortgage. Assuming a 20% down payment, the maximum price of a house would be the affordable mortgage divided by 0.8. Use the following data to test your model: total monthly gross income = $6,500; nonmortgage housing expenses = $350; monthly installment debt = $500; monthly payment per $1,000 mortgage = $7.25.
Calculate the curvature of the helix. Does there exist a point of maximum or minimum curvature? If so, where? Find a parameterization that covers the portion of the cylinder with x
Solve the integer programming model for the below problem. For this problem, solve the integer programming model by using QM for Windows.
Use the Crank-Nicolson procedure to solve the following partial differential equation
Compute the Gaussian curvature at each point of S. What are the principal curvatures? Describe the Gauss map of the surface (x + y + z)2 - 2(x2 + x2 + z2) = 0. What aspects of hyperbolic geometry can you illustrate using the following Escher drawing,..
Solve the nonlinear system of equations with the fixed-point iteration method using the iteration functions from part (a). Use the following initial values: Th = Tc = 298 K, Jc = 3000 W/m2, and Jh = 5000 W/m2
Consider two-dimensional potential flow into a step contraction as in Fig. The inlet velocity U1 = 7 m/s, and the outlet velocity U2 is uniform. The nodes (i, j) are labelled in the figure. Set up the complete finite-difference algebraic relation ..
Set up a Markov chain to help you learn about the proportion of time that he runs barefoot. Give the states and the transition probabilities. Determine the long-run proportion of days that he runs barefoot
Using a uniform prior distribution, find the posterior distribution of θ, the fraction of students in special education classes who have the disability. Find the posterior mean, mode and standard deviation of θ, and plot the posterior density
Go to the online library and find a recent (no older than 3 years) article reporting the results of a nursing or health research study in which an ANOVA or Kruskall-Wallis test is used (try using health research and ANOVA or Kruskall-Wallis test a..
Just build the payoff matrix model in each caseb.)compute a regret (opportunity loss) matrix.HINT:Your payoff matrix should have six strategies and nine states of nature.
Calculate the principal components of the first two flowers - If we wish to keep at least 85% of the total variance, how many principal components do we need to keep?
Assume the overall utility of the current favorite cereal for children 1-4 is 70, and the overall utility of the current favorite cereal for children 5-7 is 80. Modify the linear programming model used to determine the product design that will max..
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