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a.Â Â Â Â As a point of comparison, assume a starting salary of $53,500 and 5.1% annual increases each year for the first 10 years of your career. Assume that you are in a defined benefit plan, that you change employers every 2 years and 11 months (total of 4 employers) and that you were never vested in any of the three plans. How much money do you have in total from these three retirement plans at the end of the first 10 years of your career? use excel spreadsheet Solution soln: .

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Analyzing and Visualizing Data Residency Session 10/4/2019 – 10/6/2019 Dr. Dexter Francis UC Residency Weekend Schedule Friday: Check In: 4PM Class: 5PM – 10PM *No Meal Breaks Saturday: Check In: 7AM Class: 8AM – 7:30PM *Lunch Break Sunday: Check In: 7AM Class: 8AM – 1PM *No Meal Breaks Agenda - Overall Friday Introductions Project Review Dataset Selection Group Planning Session (I will spend 10-15mins with each group) Group Work Q&A Session Saturday Group Work Q&A Session Sunday Group Presentations (15 - 20 mins) Q&A Session Wrap Up Residency Assessments Friday: Reflective Assessment – Data Scientist Resume Saturday: Reflective Assessment – Characteristics of A Data Whisperer Sunday: Reflective Assessment – Modern Data Scientist Example – Review the data scientist resume sample provided in this folder. Select and discuss 2 components of the data scientist resume that relates to your future or current job. Your reflective assessment paper should be at 100 words, double-spaced, and typed in an easy-to-read MS Word (other processors are fine to use but save it in MS Word format). Residency Assignment – Research: 5 Sections Example - Topic: The impact on student learning in small class sizes in the United States Dataset: dataset_Star.csv Resource File: R_The impact on student learning and small class sizes in the United States.pdf File Location: “Lesson 6” folder in iLearn **Must be APA formatted** Title Page Document body with citations Reference Page Residency Assignment – Research: 5 Sections Section 1: Discuss Topic Background (Citations are required) Section 2: Data Analysis (R Studio - R language - Library: mosaic) Describe the fields of the dataset. Create a summary of stats for the dataset. Discuss the Min, Max, Median, and Mean of the continuous fields. Discuss the Counts and Percentages of the categorical fields. Discuss any missing data elements. Residency Assignment – Research: 5 Sections Section 3: Data Visualizations (R Studio - R language - Library: ggplot2) Provided Graphs: Bar Plot, Box Plot, Scatter Plot, and Histogram Discuss: Plot, Breakout, Drilldown, and Position (only Bar Plot) Findings: What story is presented in the visualizations? Residency Assignment – Research: 5 Sections Section 4: Discuss Findings (Citations are required) Compare (Similar) Contrast (Difference) Articles that Support Information Conclusion of the findings Section 5: Reference List At least 8 References (4 must be scholarly peer-reviewed articles) Residency Assignment – Presentation Power Point Slides: Summarize research Data visualizations Findings Conclusion Time: 15 - 20 minutes Residency Assignment – Topics Research Topics A comparison of health insurance coverage and hours worked by wives in the United States Preferences for car choice in the United States The benefits of bio-feedback treatment for migraine headaches The change in demand for medical car.

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Samantha wants to buy a house for S225 000 She paid $25 000 down and the rest of the cost will be obtained from a mortgage The mortgage has a nominal interest rate of 12 percentage compounded monthly with a 25-year amortization period The term (maturity) of the mortgage is five years What will Samantha\'s monthly payments be in the first five years? If after the five- year term the mortgage nominal interest rate drops to 6 percentage compounded monthly, what will her monthly payment be thereafter? After 5 years, treat the unpaid amount as a new mortgage for the remaining amortization period Samantha obtams upfront another quote from a Credit Union for her total mortage for a 12-year total amortation period and an interest rate of 14 percentage compounded annually What will her annual payment be? TIPI Review close-up 3.2 about mortgages on Page 56 at the book TIP2: Use the appropriate formulae from Table 3.2 on Page 71 and the factor tables at the end of the book Solution Answer Answer (i) Present value = Annuity * [1 – {1/(1+r)n } /r ] Where r = Interest rate = 0.12/ 12 months = 0.01 n = No of instalments = 25 year *12 months = 300 Present value = $ 225,000 - $ 25000 = $ 200,000 Present value = Annuity * [1 – {1/(1+r)n } /r ] 200,000 = Annuity * [1 – {1/(1+0.01)300} /0.01 ] 200,000 = Annuity * [1 – {1/(1.01)300} /0.01 ] 200,000 = Annuity * [1 – {1/19.78846} /0.01 ] 200,000 = Annuity * [1 – 0.05053/0.01 ] 200,000 = Annuity * [0.949465/0.01 ] 200,000 = Annuity * [0.949465/0.01 ] 200,000 = Annuity * 94.946551 Annuity = 200,000 / 94.946551 Annuity = $ 2106.45 Answer : Samantha’s monthly payments in the first five years will be $ 126386.90 (i.e. $ 2106.45*5*12 months) Answer (ii) No of Instalments Opening balance Interest = 1% per month Annuity Principal Closing balance 1 2,00,000 2000 2106.45 106.45 1,99,893.55 2 1,99,893.55 1998.936 2106.45 107.51 1,99,786.04 3 1,99,786.04 1997.86 2106.45 108.59 1,99,677.45 4 1,99,677.45 1996.774 2106.45 109.68 1,99,567.77 5 1,99,567.77 1995.678 2106.45 110.77 1,99,457.00 6 1,99,457.00 1994.57 2106.45 111.88 1,99,345.12 7 1,99,345.12 1993.451 2106.45 113.00 1,99,232.12 8 1,99,232.12 1992.321 2106.45 114.13 1,99,117.99 9 1,99,117.99 1991.18 2106.45 115.27 1,99,002.72 10 1,99,002.72 1990.027 2106.45 116.42 1,98,886.30 11 1,98,886.30 1988.863 2106.45 117.59 1,98,768.71 12 1,98,768.71 1987.687 2106.45 118.76 1,98,649.95 13 1,98,649.95 1986.499 2106.45 119.95 1,98,530.00 14 1,98,530.00 1985.3 2106.45 121.15 1,98,408.85 15 1,98,408.85 1984.088 2106.45 122.36 1,98,286.49 16 1,98,286.49 1982.865 2106.45 123.59 1,98,162.90 17 1,98,162.90 1981.629 2106.45 124.82 1,98,038.08 18 1,98,038.08 1980.381 2106.45 126.07 1,97,912.01 19 1,97,912.01 1979.12 2106.45 127.33 1,97,784.68 20 1,97,784.68 1977.847 2106.45 128.60 1,97,656.08 21 1,97,656.08 1976.561 2106.45 129.89 1,97,526.19 22 1,97,526.19 1975.262 2106.45 131.19 1,97,395.00 23 1,97,395.00 1973.95 2106.45 132.50 1,97,262.50 24 1,97,262.50 1972.625 2106.45 133.83 1,97,128.67.

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