Description
App Information David Gray Project #15
- App NameDavid Gray Project #15
- Package Namecom.HRGincSoftware.David_Gray_Scheduler
- UpdatedFebruary 17, 2015
- File Size4.1M
- Requires AndroidAndroid 1.6 and up
- Version
- DeveloperDavid Gray
- Installs50 - 100
- PriceFree
- CategoryBusiness
- Developer
- Google Play Link
David Gray Show More...
Real Estate Investment 1 APK
REAL ESTATE INVESTMENT STRATEGYBuy a million dollars worth of real estate on borrowed money.Rent it to break even. If the inflation rate is 13%, as it was in1980 you just made a $130,000. Write off the interest and wait fornext year. Remember the borrowed money is not taxable until yousell the real estate.What if you could see the future? Well you can! If newconstructions costs are rising, it’s time to buy existing propertyto take advantage of the projected inflationary increase invalue.During INFLATION, buy equities.During DEFLATION, buy debt.There is some unusual arithmetic relating to purchasing a home.The notion that the value of the land added to the value of thehouse equals the value of the property is a FALLACY.In this analysis, we look at real estate as a capitalist. Mostconventional appraisal methodologies use a quasi-socialistapproach. A capitalist sees property value differently.In theory, the value of a stock is the discounted present valueof its accumulated dividends forever. We can look at real estate insimilar manner. Rent can be thought of as stock dividends. Forowner occupied property homeowner costs can substitute forrent.As capitalist, we are concerned with our return on capital. Theratio of rent/down payment is our return on capital.In 1970 the Federal Reserve had pushed interest rates to 10%.So, the rent house that rents for $1,000 per month,($10,000 peryear after insurance and taxes) is worth $100,000 to a capitalist.That is, 10% of $100,000 is $10,000 per year or $1000 per month. Inthe early 1990's the Federal Reserve pushed the intersect rate downto 5%. Now $1,000 per month, $10,000 per is 5% of $200,000. Thatrent house became worth $200,000. If the Federal Reserve pushes theinterest to 1% then $1,000 per month, $10,000 per is year is 1% of$1,000,000 and if the interest rate goes to 0, divide by 0 isundefined and capitalism fails.ON OUR GRAPHSClick on "% Down Payment" button. Each button produces a graph.The RED line is the YIELD, the return on capital after selling theproperty adjusted for taxes and inflation.The BLUE line is the return of CASH FLOW adjusted for taxes.The YIELD can also be thought of as interest rates and comparedto what you would earn in a savings account or otherinvestments.PERCENT DOWN PAYMENT GRAPHThis is the most relevant graph. The buy point is where the CASHFLOW (blue line) becomes negative (goes below the middle line).This is the optimal DOWN PAYMENT percent as seen on the X axis(bottom line) to break even. The YIELD is the corresponding pointon the RED line. As long as CASH FLOW is positive you can buy moreproperty forever.Always do worst case analysis. If you can stand the worst caseit's probably a good investment.INFLATIONIn 1980 the inflation rate was 13.91%.Historically, Inflation has been the driving force behind therise in property values. Real estate agents mistakenly call thisAPPRECIATION. When lumber, nails, labor, steel, glass and concrete,etc.. cost more. When new homes cost, for instance, 10% more, anexisting homes value will rise 10%, because it would cost more torebuild it. There is a time lag, but it will catch up. This is howinflation works.CAPITAL GAINS TAXFederal income tax rates can have a drastic effect on propertyvalues. In 2013 the CAPITAL GAINS rate is 15%, before that 20%, 28%and 35%, in Australia in 2012 it's 50%.Capital assets like a house are given preferential taxtreatment. In theory, CAPITAL GAINS should not be taxed, because inan ideal economy the only way a property can rise in value would bebecause of devaluation of the currency, called inflation and therise in value would be nothing more than an adjustment to maintainthe purchasing of the dollar.In 2012 the tax rate for a married couple with $88,000 ofCAPITAL GAINS and qualified dividends (which also get special taxtreatment) is $0.00.
Mental Age of Dementia Adults 1 APK
Persons with dementia regresses. In additionto loss of memory, motor, language and thinking skills they exhibitchild like behavior.If we can measure the adult child age, we can constructappropriate activities. The also gives us a hint as to time left.Five year olds go to kindergarten, and play with other kids theirown age.Often they live completely in the NOW. like in Buddhism beingone with the environment. But, living in fear with sense ofparanoia without awareness of time or location and everything isunfamiliar, even though they have been there many times before.They can't read, write or do arithmetic or even carry on anintelligent conversation. For a 2 year old we want to hug cuddlethem and have stupid disconnected conversations. A 4 year will berebellious want to assert independence. The child age gives a clueas to how to related them as we send them off into the sunset oflive.Note: In the case of Alzheimer's, as the brain becomes filledwith plaque bodily functions decline. We also see this in cancerpatients with Glioma brain tumors having a similar effect.Check the relevant checkboxes. There are over 200 observationsto select from. Press Compute to calculate their child age. This isuseful to segregate patients into age groups. Much like we do withchildren.
Room Lighting Design APK
By the time you reach 75 years old, you willneed four times as much light as a 20 year old, in order to seesatisfactorily.INCANDESCENT, full spectrum is the most desirable type oflight. It can be achieved with energy efficient “T” seriesFLUORESCENT bulbs with a high color rendering index (CRI)90-100.For bulb selection1. you need to know the dimensions of the room;2. how BRIGHT you want room lighted as measured in LUX;3. the COLOR of light in KELVIN;4. and the QUALITY of the light measured by the color rendering(CRI) index.5. select the appropriate bulb and note how many LUMENS of light itwill produce.Then calculate the number of florescent bulbs with the your CRIrating as necessary to accomplish the task and with powerconsumption in mind (WATTS), select the type of fixture.LUX (Lx) BRIGHTNESS IN LUXOne Lux - is one lumen per square meter.3.4 lux - twilight50 lux - living room80 lux - office hallway100 lux - overcast day350-500 lux - office lighting400 lux - sunrise1000 lux - overcast day10,000-25,000 - daylight32,000-130,000 - sunlightKELVIN (K) is the COLOR of the LIGHTcalled COLOR TEMPERATURE3000K – warm white4200K – cool white5000K - daylight2700 K - residential lighting (Incandescent light)3000-3500 K - neutral-white4100 K - cool-white in offices5000-6500 K - blueish-whiteCRI is the QUALITY of the lightcalled the COLOR RENDERING INDEXand is a measure of how well colors can be perceived.100 CRI - incandescent lamp50-100 CRI - fluorescent tubes82-100 CRI - natural color (full spectrum)POWER CONSUMPTIONas measured in Watts. Incandescent lights are full spectrum but areenergy hogs. Florescent lighting is more energy efficient.The high efficiency bulbs are labeled with “T” - T12, T8, T5etc..."T" is the diameter of the tube in the lamp. Typicallynarrower the lamp diameter the more efficient it will be.T12’s have not bee manufactured since 2012.Seniors - Printed materials are not as clear as before, in partbecause the lens in your eye becomes less flexible with time.Changes within the lens in your eye cause light entering the eye tobe scattered rather than focused precisely on the retina, thuscreating more glare. The normally clear lens located inside youreye may start to discolor making it harder to see and distinguishbetween certain shades of colors. The tear glands in your eyes willproduce fewer tears.Increasing the the amount of light, brightness called LUX canimprove vision.Bright Light Therapy - is used to gradually shift sleeping patternsto what we consider normal. For treatment, the timing of lightexposure uses a full-spectrum light (90-100 CRI) usually 10,000 LUXin intensity, for 30-90 minutes.Blue wavelengths -- boost attention, reaction times, and moodare about 5000 degrees Kelvin.As published in the The Journal of the American Medical Associationresearchers learned that bright light resulted in a modestimprovement in dementia symptoms. Specifically, the use of brightdaytime lighting:· Reduced cognitive decline on a mental status exam by a relative5%.· Cut depression symptoms by a relative 19%.· Calmed slow increases in functional limitations by slightly morethan half (53%).Dementia and Alzheimer's - For these people shadows in adarkened room can become something else, often menacing, and canlead to confusion and depression. A dark rug in a dimly lightedroom before a door may become a deep well.I installed 800 LUX of light – when I throw the light switch, Ifeel a burst of energy like I am waking up and my mind becomingclear.
Financial Calculator - Lite APK
Getting a loan? Compute and manipulate thenumbers to your advantage.The interest rate here has a name, it's called the APR (annualpercentage rate), this reflects the real time value of money.Many reputable lenders cheat, they use a method, which prior to1940, was only used by loan sharks, called the rule of 78's.The rule of 78s is different way of calculating interest in eachpayment. This method is called front loading. Meaning you pay moreinterest at the beginning of the loan than the time value of moneywould require. Why is this a rip-off?Here is a thought experiment. If all the first payments areinterest and you payoff the loan early, you will pay the fullamount you borrowed plus interest that never accrued.Here is an example: You borrow 10,000 and your payment is $200.Normally based on the time value of money a part of each payment isinterest. At first a little over half the payment is interest ($100approx.) declining over 7 years of the loan to the last paymentwhere the interest component is $0. The reason that the interestcost declines is that as you make payments the amount borrowedbecomes less making the interest owed less.What if the beginning payments were all interest until all theinterest was paid after which you started paying off the amount youborrowed? At the end of 3 year you have paid off all the interestnow you can start paying of the loan. But what if you now paid offthe loan. You would have paid $6,800 interest plus the original$10,000 loan for a total of $16,800 instead of $4,000 interest(based on the time value of money) plus the original $10.000 or$14,000. You would have paid $2,000 extra.Now the rule of 78’s in not this extreme, but you get theidea.Mortgage lenders who make long-term loans (20-30 years) are moreup-front about it. The charge what are called points up-front,which is really just prepaid interest. Again if you pay off early,you paid too much. They count of this.When we get married we think it will be forever. For car andhouse loans people change their mind every 3 to 5 years. Formarriages it's a little longer. So avoid the rule of 78’s andup-front “points”. Ask for a amortizing loan based on the timevalue of money with 0 points.Double check what the lender tells you. What should the paymentbe vs. what they quote? What is wrong with their numbers? Let seewhat they are really doing. Enter the length of the loan, interestrate, and loan amount and compute what the payment should be. Putin their payment, press % to see what interest they are reallycharging you. This is powerful tool for manipulating the numbers toyour advantage.Buy a house.PV = 300,000% = 3.75N = 30 yearsPress Pmt - to see the required monthly payment.But what if you want a lower payment?Enter the new payment (Pmt)Press % - to see the required interestorPress N - to see the see the required yearsWhat if you want to make the payments yearly, press the"Monthly" button several times to get to "Yearly", the payment willrecalculate.The interest rate (%) and years on loan (N) are alwaysyearly/annual numbers.The Pmt is Yearly, Monthly etc. Depending on the setting.About the author: Having been a real estate broker for 40 years.I have seen all sorts of slimy lending practices. Armed with a toollike this is your best defense again getting robbed..
FinCalc 1 APK
Getting a loan? Compute and manipulatethenumbers to your advantage.The interest rate here has a name, it's called the APR(annualpercentage rate), this reflects the real time value ofmoney.Many reputable lenders cheat, they use a method, which priorto1940, was only used by loan sharks, called the rule of 78's.The rule of 78s is different way of calculating interest ineachpayment. This method is called front loading. Meaning you paymoreinterest at the beginning of the loan than the time value ofmoneywould require. Why is this a rip-off?Here is a thought experiment. If all the first paymentsareinterest and you payoff the loan early, you will pay thefullamount you borrowed plus interest that never accrued.Here is an example: You borrow 10,000 and your payment is$200.Normally based on the time value of money a part of eachpayment isinterest. At first a little over half the payment isinterest ($100approx.) declining over 7 years of the loan to thelast paymentwhere the interest component is $0. The reason that theinterestcost declines is that as you make payments the amountborrowedbecomes less making the interest owed less.What if the beginning payments were all interest until alltheinterest was paid after which you started paying off the amountyouborrowed? At the end of 3 year you have paid off all theinterestnow you can start paying of the loan. But what if you nowpaid offthe loan. You would have paid $6,800 interest plus theoriginal$10,000 loan for a total of $16,800 instead of $4,000interest(based on the time value of money) plus the original$10.000 or$14,000. You would have paid $2,000 extra.Now the rule of 78’s in not this extreme, but you gettheidea.Mortgage lenders who make long-term loans (20-30 years) aremoreup-front about it. The charge what are called pointsup-front,which is really just prepaid interest. Again if you payoff early,you paid too much. They count of this.When we get married we think it will be forever. For carandhouse loans people change their mind every 3 to 5 years.Formarriages it's a little longer. So avoid the rule of 78’sandup-front “points”. Ask for a amortizing loan based on thetimevalue of money with 0 points.Double check what the lender tells you. What should thepaymentbe vs. what they quote? What is wrong with their numbers?Let seewhat they are really doing. Enter the length of the loan,interestrate, and loan amount and compute what the payment shouldbe. Putin their payment, press % to see what interest they arereallycharging you. This is powerful tool for manipulating thenumbers toyour advantage.Buy a house.PV = 300,000% = 3.75N = 30 yearsPress Pmt - to see the required monthly payment.But what if you want a lower payment?Enter the new payment (Pmt)Press % - to see the required interestorPress N - to see the see the required yearsWhat if you want to make the payments yearly, press the"Monthly"button several times to get to "Yearly", the paymentwillrecalculate.The interest rate (%) and years on loan (N) arealwaysyearly/annual numbers.The Pmt is Yearly, Monthly etc. Depending on the setting.About the author: Having been a real estate broker for 40years.I have seen all sorts of slimy lending practices. Armed witha toollike this is your best defense again getting robbed.
David Gray Project #10 1 APK
Credit Card ValidationFrom the card number it is possible to derive the issuer andwhether the card is valid.The following cards are covered:JCBVisaLaserMaestroDiscoverMaster CardDiners ClubInstaPaymentVisa ElectronAmerican ExpressDiners Club InternationalDiners Club - USA & CanadaNote: This is not necessarily the active status of the card.
Business Top Show More...
NAB Investor Relations 1.3.3 APK
NAB’s Investor Relations app is designed tokeep shareholders and analysts informed about the company’s latestdevelopments, financial disclosures and media announcements.Stay informed on NAB with access to the latest share priceinformation and corporate news, read annual reports and resultsannouncements, listen to webcasts and watch videos both online andoffline.The NAB Investor Relations App is available for iPhone, iPad andAndroid.Features included:• NAB’s latest and historical financial and regulatorydisclosures• Share price information for all NAB listed securities, includinghybrids, in chart format with zoom functionality• Latest corporate news and press releases• Company profile• Dividend information• Document library with download management facility• Multimedia library with download management facility• Financial calendarThe NAB IR App is regularly updated and available to view bothonline and offline. You can also find this content published on thenab.com.au website along with NAB’s privacy policy.To discover more, download now for free from the App store.
SpyMaster SpyMaster APK
View your devices on our NEW Android App,features include- Save login
- Search device list
- View all on map at same time (click to select)
- Battery, Charging icons
- GPS Status
- Flight mode/battery mode next wakeup time
- History/Report Mode (with StartStop/Detailed Filter)
- Commands- Add Safety Zone (Circular/Polygon)- Edit Existing Zone contacts, Alert parameters- Delete Zones
AirWatch Agent 7.1.4.151 APK
The AirWatch® MDM Agent allows you toauthenticate and enroll your device in AirWatch. The intuitiveenrollment process will prompt you to authenticate, accept a Termsof Use agreement and to install the applications, content andprofiles set by your IT administrator. From the AirWatch MDM Agent,you can view device details, read messages from IT, verify yourcompliance status and request support from your IT administrator.The AirWatch MDM Agent will report device details and compliancestatus to the admin console.Note: AirWatch MDM Agent works in conjunction with and is managedthrough configurable system settings within the admin console.AirWatch MDM Agent will not operate without the required AirWatchinfrastructure. Please contact your IT administrator beforeinstalling AirWatch MDM Agent.AirWatch MDM Agent Key FeaturesEnrollment• Easy user authentication• Intuitive, prompted device enrollment over-the-airAccess to Corporate Resources• Automatic access to apps, content and resources configured byyour IT administrator• Single sign on for all AirWatch applicationsSelf-Management• View device details, such as free memory, current compliancestatus and telecom usage• Receive messages when out of compliance• Contact support for additional assistanceInstructions for ActivationStep 1: Download and install the AirWatch MDM Agent on your devicefrom Google Play StoreStep 2: Enter your corporate email addressStep 3: When prompted, enter your credentials and accept the Termsof UseStep 4: The apps, content and profiles configured by your ITadministrator will prompt you to install automatically
When I Work Scheduling APK
When I Work is the easiest way to schedule,manage attendance, and communicate with your staff from yourAndroid device and PC. Notify your staff instantly about their workschedule via text, email, and web notifications.Free forever, no credit card required!KEY FEATURES FOR BUSINESSES✔ Send email and mobile alerts about the work schedule✔ Fill open shifts in seconds with email and mobile alerts to yourstaff✔ Create, update, cancel, and publish shifts✔ Monitor shift trades and time-off requests✔ View employee time sheets✔ View the entire business's schedule from your phone✔ Google Maps integration to direct staff to their work sitesKEY FEATURES FOR STAFF✔ View the work schedule anytime from anywhere✔ Clock in and out for shifts✔ View and accept available open shifts✔ Request shift trades or pick up shifts from othercolleagues✔ Get directions to work sites✔ View colleagues’ contact information✔ Request time off
DMCA 1.3 APK
Dubai Maritime City Authority Application DMCAFounded in 2007, Dubai Maritime City Authority (DMCA) hasbrought about a radical change in the local maritime sector throughan extensive range of industry initiatives and regulations whichsupport its ambitious approach to creating a safe investmentenvironment for industry leaders from all over the world, whilereaffirming Dubai’s position as a first-class internationalmaritime hub. Established to monitor, develop and promote maritimeactivities, DMCA provides a platform of excellence and quality asit develops world-class regulations and guidelines to raise the baron the maritime industry and boost its infrastructure, operationsand logistics services while offering investment opportunities toboost Dubai’s competitiveness at the regional and internationallevels.DMCA aims to build effective and strategic partnerships withrelevant government agencies, private businesses and stakeholdersin line with its vision to create a safe and vibrant maritimesector and therefore drive economic sustainability and growth inthe emirate. The Authority is keen on expanding its scope of workand laying down effective policies under the highest standards ofmaritime safety and best environmental practices, in adherence withthe local and international laws to develop a safe maritimeenvironment for maritime operations and businesses.
IBM Verse 12.0.9.0 202204010021 APK
****IBM Notes Traveler is now IBM Verse! You're ready for the future.IBM Verse replaces Notes Traveler and will continue to work withyour existing Traveler servers.****Get ready for mail that understands you, for less clutter and moreclarity, for connecting you to the people who matter to you most.Cloud-enabled, designed for mobile devices, and powered by IBM'sanalytics and advanced search, IBM Verse works for you, not theother way around.With IBM Verse for Android devices, you can:•See mail from people important to you•Set people you interact with often as Important•Mark mail as Needs Action•Manage items that need follow up•Track who owes you a response and when•Work with your calendar seamlessly•Interact with all of your contactsThis app is compatible with IBM Traveler server version 8.5.3.3 andlater fixpacks, as well as 8.5.3 Upgrade Pack 1, 8.5.3 Upgrade Pack2, and 9.x. To get started, contact your administrator for youraccount and company configuration information.If you're interested in using this application with IBM SmartCloud,see this URL http://www.ibm.com/cloud-computing/social/us/en/ forfurther information.If you do not have IBM Traveler deployed in your company, but wantto try it out for free, register an account on IBM Greenhouse, afree IBM product trial site: http://greenhouse.lotus.com, thenfollow the instructions to configure your IBM Traveler account:https://greenhouse.lotus.com/wpsgh/wcm/connect/ghcontent/lotus+greenhouse+next+site/home/products/ibm+notes+traveler.It is that simple to get started!If you are an end user and experiencing a problem, please contactyour company IT help desk. If you are an IBM Traveler administratorexperiencing a problem, please open a PMR with your IBM customernumber. In addition to rating the app, you can tell us what we havedone right or what we can do better by emailing IBM mobile softwareengineering directly at heyibm@us.ibm.com.For more information about IBM Verse go to the official productwebsite:http://www.ibm.com/social-business/us/en/newway/
Package Disabler Pro (All Android) 10.8 APK
It may not work on Android 7 devices thathas new samsung update. You will need to make package disabler aowner APP in that caseORIGINAL PACKAGE DISABLER PRO ( CHECK no. of DOWNLOADS) - NOROOT REQUIRED**Supports rooted devices and all Android 5.0 + devices that hasenabled owner app functionality for package disabler procheck how to make owner APP :http://www.packagedisabler.com/owner-app/PDP plugin app is required for samsung devices.This app uses theDevice Administrator permission.5 Day refund means , if the app does not meet your expectation, youcan send us your google invoice within 5 days to get refund within24 hours.Thanks to all our supporters who help develop this amazing APP .Buying Original software helps the entire ecosystem. This willencourage developers to bring new innovative products. Packagedisabler with over 500000 downloads and 2 years of existence is aguarantee in itself.Package Disabler Pro lets you identify and disable allunwanted packages/apps that come pre-installed with your phone. Wehave one click option to disable all BLOATWARES. Disabledapplication / package will not be updated using google play or anyother means. So this app can be used for blocking apps (e.g.Parental Controls) or business use cases, you could even disablegoogle play store etc… without rooting the phone. This app alsoprovides password / uninstall protection to avoid misuse.Package Disabler provides an export/ import functionality tobackup all disabled packages on your external storage which you canrestore at any time.USES– Every mobile user use wants to improve the performance of theirmobile device can use Package Disabler– Businesses who want to control the APPS on the Employees devicescan benefit from Package Disabler– Parents use Package Disabler to control application used byKIDS– Package Disabler is used in trade shows to clean up the launcherscreen when used for demonstrationsRemember, though: ALWAYS have a backup of your phone. Importantfeatures might break when disabling system apps.KEY FEATURES:* Disabling and enabling any packages /apps* Package Disabler Helps to Identify 100+ Bloatware's on most ofSamsung Handsets. New bloatware list for other android devices willbe available soon* One click bloatware removal to quickly improve device perfomanceand save battery* Export your disabled list to the external storage to import themlater* Batch operation to enable all disabled packages* Filter to show all disabled packages* Password protection* Filter to show all installed apps* Filter to show all system packages* Quickly find apps using the search functionality* Use Google cardboard APPS on Gear VR ( disable packagecom.samsung.android.hmt.vrsvc )Notes* If you have issues uninstalling apps, try Settings –> Security–> Device administrators, uncheck "package disableradmin".* Be aware that in order to update your version of Android, youmight need all original apps in place. It is advised to always havea backup of disabled packages so you can restore them later.Disclaimer* We cannot be held responsible for any damage you may cause bydisabling packages that are not bloatwares* Removing critical packages can cause your phone tomalfunction.* Always have backups of your device.* If you have any questions regarding using Package Disabler,you're advised to contact packagedisabler@gmail.com.If you have any other suggestions, questions or issues, feel freeto contact us and I'll do my best to respond asap. Please don't usereviews for complaints as we will be unable to respond to yourissue.NOTE: owner APP is removed only by factory resetif you need any customizations to package disabler / consultancy orany comments/ feedback please contactpackagedisabler@gmail.com