Given the adjustable rate mortgage with the following characteristics:

At the time the issuer takes out the mortgage, LIBOR=2%. A year later on a mortgage re-set date
LIBOR=3%.

1.What is the original monthly payment on the mortgage?

2.What is the monthly payment on the mortgage after the rate changes and the mortgage is recast (i.e. in month 13)?

QUESTION 1

Continuous changing of the economic, technological and political conditions caused the Human Resource Managers of the future facing more problems in the management of labor. The Human Resource Managers of today may find themselves outdated in the future due to changes in the environment if they do not update themselves some of the important challenges. If you are the Human Resource Manager, detail out the threats or challenges that would arise and suggest strategies to overcome those challenges.  

Respond to the following in a minimum of 175 words:

• Discuss non-monetary benefits open trade has contributed to the world since the end of WWII. Provide at least 2 examples. Why do you think these are important?
• How have changes to US trade and tariff policies affected US trade with other nations? Consider recent (less than 2 years old) credible news sources to support your response.

Provide an analysis why the following warning signs of Potential Credit and Collection Problems?

1. Numerous inquiries about one of your accounts.

2. Customer switches banks frequently.

3. Client asking for clarification or proof of service more frequently.

4. Changes in client payment patterns.

5. Partial payments rather than payment in full.

6. Problems in the client’s geographical area.

7. Problems in the client’s industry.

Question 4

In capillary beds, there is mass movement of fluids and molecules into and out of capillary beds. For movement of fluids, simple diffusion is not sufficient and two pressure-based mechanisms are utilized.

1. Describe the action of the competing forces driving filtration of fluids in a capillary bed.
2. Describe the action of the competing forces driving reabsorption of fluids in a capillary bed.
3. Predict how physiological changes in the capillary beds in response to an increase in body temperature restores homeostasis.

Sketch the graph of a function f(x) that satisfies all the given conditions. Clearly label any asymptotes, extreme values and points of inflection.

f(x) is only discontinuous at x = −4.

f(x) has a global minimum but no global maximum.

f'(x) > 0 only on the intervals (−∞, −4) and (1, 3).

f(x) only changes concavity at x = −1 and x = 4.

limx→∞ f(x) = 4.

In words, but making use of equations where appropriate, explain how the Principal of Conservation of Linear Momentum is a demonstration of Newton’s third law of motion. In particular, consider a simple collision between two objects. The collision may be either elastic or inelastic. It may be head-on or oblique. State how the changes in motion as a result of this collision relate to Newton’s Third Law. Finally expand your reasoning to cover a many particle system.

What features of DNA replication cause each new DNA molecule to be exactly like the original? (1pt)

C. Why is replication an important cell process? (1pt)

Point Mutation

A. How does the point mutation that you made change the DNA code on your molecule? (2pts)

B. Referring to your textbook, explain how mutations can occur in cells and how such changes might affect an organism with the mutation. (2pts)

Draw 1000 samples of size 10, 25, 40 from exponential distribution with mean 10 and threshold 0 and calculate mean for each sample. Now produce histogram for sample mean.

a. What do you notice in the shape of the distribution of sample mean as sample size increases? Also, what changes in the standard error of the sample mean?

b. As the sample size increases , the sample mean goes to what number?