![Birth Certificate Decoder 1 Birth Certificate Decoder 1](https://cdn.apk-cloud.com/detail/image/com.HRGincSoftware.Birth_Certificate_Decoder-w130.png?r2)
Description
App Information Birth Certificate Decoder
- App NameBirth Certificate Decoder
- Package Namecom.HRGincSoftware.Birth_Certificate_Decoder
- UpdatedOctober 16, 2014
- File Size11M
- Requires AndroidAndroid 1.6 and up
- Version1
- DeveloperDavid Gray
- Installs1,000 - 5,000
- PriceFree
- CategoryBooks & Reference
- 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.
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..
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.
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.
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বিখ্যাত মনীষীদের জনপ্রিয় উক্তিনিয়েঅ্যাপটিতৈরিকরা হয়েছে।যাদের উক্তি নিয়ে অ্যাপটি তৈরি করা হয়েছে -আল হাদিস, হযরত আলী (রাঃ) ,বিল গেটস ,আব্রাহামলিংকন,অ্যালবার্টআইনস্টাইন, সক্রেটিস , এরিস্টটল, শেখ সাদি ,স্টিভজবস,উইলিয়ামশেক্সপিয়র ,স্বামী বিবেকানন্দ , শেখ মুজিবুর রহমান,হুমায়ূনআহমেদ,রবীন্দ্রনাথ ঠাকুর ,কাজী নজরুল ইসলাম, গৌতমবুদ্ধ,মহাত্মা গান্ধী , এ পি জে আব্দুল কালাম , লালন ।The app hasbeencreatedbythe great scholars of the popular saying.Quote of the app has been created -Al-hadith, Hazrat Ali (RA), Bill Gates,AbrahamLincoln,AlbertEinstein, Socrates, Aristotle, Sheikh Saadi,SteveJobs,WilliamShakespeare, Swami Vivekananda, SheikhMujiburRahman,HumayunAhmed, Rabindranath Tagore, Kazi NazrulIslam,GautamaBuddha,Mahatma Gandhi, APJ Abdul Kalam, cherish.
Tamil Bible (வேதாகமம்) 3.9 APK
Tamil Bible is the First everMaterialdesignTamil Bible in Android. Free Tamil bible has got allchapterof oldtestament and New testament in Tamil standard, withalegitimatereading . UI is designed for easynavigationcapabilities. Itprovides daily Tamil bible readingnotification andtracks all theread chapters. As a part of Bible orgwe are glad toreleaseandroid Tamil Bible app as a free service, tospread Jesuswords.We welcome any suggestions to improve yourself.Start yourday withTamil of the bible. Tamil bible download app isnot justanotherTamil bible Study app (Tamil Language). Its forTamil peopleofTamil Nadu. Our aim is to keep you inspired andnourishedeverydaywith god words .You will get automatic dailynotificationusingchristian tamil bible. Mark the Inspiring TamilBible verse!As achristian, we have verified the chapters of holybible readingwithinternational standard. Tamil bible online Liteapp, alwaystracksthe unread chapter for daily bible reading. Cleanfont, helpstoread letters easily. Our chosen daily bible readingarulvakku-Tamil Bible Online helps you to start your day thinkingaboutandthanking God for this wonderful life with prayers. booksoftamilbible, Free Tamil bible download study bible helpstoenlightenbefore confession and also a as bible study app orevenliturgy.The Bible - Sacred text will be very helpful duringdailyTamilChristian prayer.Bible in Tamil is for kids, Holy Bibleintamil isfor couples and Holy Tamil Bible for all Christiansacrossglobe.Tamil Bible follows the popular bible versions liketheCatholicTamil bible , Tamil Union Version Bible,TamilBible:Easy-to-ReadVersion (ERV-TA),kjv tamil bible. So this dailyTamilBible studydevotion app will be the best bible app free thatyouwill get foryour Android mobile phones. This Tamil bible,understand its rightmeaning and act wisely upon so as tobringhappiness upon onyourself and your fellow beings toenlightenfaith. bible storiesfor youth in tamil - Tamil bibledownload appcan also be usedduring Tamil audio bible reading. Markthe favoriteTamil biblequotes and chapter for future reference, setit asFavorites byclick. Tamil Divine app is also used as the bestTamildevotionalsfor women.The Daily devotional Tamil Bible app canbeused foryouthful praise or as youth ministry resources, becausewegave thebest Tamil bible gateway for Youth.FEATURE OF Tamil BIBLE ( Material design )- Material design UI- Ability to save favorite chapters or verses.- Enable/Disable Notification settings- Daily Tamil Bible Reading :Get on daily basis bible reading- Holy Bible Tamil with old testament and New testament- Compatible with all screen sizes- Get daily bible reading and track the read chapters.- Ease and simple to use.- Download latest design bible compatible with tablet- Always provide unread chapters for notification- Bible offline - Read bible even without network access.- Works well in android phone and tablet- Explore specific words in bible- Easily locate Book/Chapter/Verse- This is a free Lite app Tamil Bible .- Read, Remove, Share with ease.This app is successfully tested in samsung galaxyseries,LGnexus, HTC, Lenova smart phones. Its works well in tabletstooandall mobile phone which support android.
Pixelmon MOD MCPE 0.15.0 2.0 APK
Pixelmon Mod for Minecraft PE ofmanythingsfrom the show, including Pokemon, gym badges, andbattling.This Pixelmon Mod for Minecraft PE can only beappliedwithBlockLauncher application and you need install the fullversionofMCPE and BlockLauncher in your smartphone or tablet.This is an unofficial application for Minecraft PocketEdition.Thisapplication is not affiliated in any way with MojangAB.TheMinecraft Name, the Minecraft Brand and the MinecraftAssetsareall property of Mojang AB or their respectful owner.Allrightsreserved. Inaccordancewithhttp://account.mojang.com/documents/brand_guidelinesPixelmon Mod for Minecraft PE is pack of mod it have manymodinthis appEvery mod has title, description , screenshot anddownloadbutton.Search any mods for mcpe you want just browsefavourite modandpress DOWNLOAD ... Done!A fun feature of Pixelmon Mod for Minecraft PE is thatyoucancatch Pokemon in a 3D poke ball, and even see yourPokemon'suniqueattributes which consist of habits,damage, armor and aggression. This isnt just a cosmeticmodthatgives facelifts to models already existing in thegamePixelmonactually includes an attack system ripped rightfromPixelmon Modfor Minecraft PE, with over 500 individual attackmovesand evenstatus ailments, to make it play and feel much likethehandheldPokemon games. This Pixelmon Mod for Minecraft PEevenafunctioning pokedex for keeping track of what monsterstheplayerhas caught!
Yasin Dan Tahlil "LENGKAP" 5.0 APK
Surat Yasin Dan Bacaan TahlilBesertaTerjemahanTeks Arab Dan Teks Latinnya Lengkap DenganBahasaIndonesianyaUpdate Versi 5.0 :- Penambahan Audio Di Setiap Surat- Memperbaiki Semua Bacaan Yasin Baik ArabTulisanMaupunTerjemahannya- Penambahan Doa Tahlil- Penambahan Doa Selamat- Penambahan Doa Ayat Kursi- Penambahan Doa Ziarah Kubur- Penambahan Doa Khusus Mayit- Penambahan Surat Al-Fatihah- Penambahan Surat Al-Ikhlas- Penambahan Surat Al-Falaq- Penambahan Surat An-Nas- Penambahan Surat Al-Baqarah : Ayat 1 - 5- Penambahan Doa Selamat- Bug Fix Error DLL------------------------------------------------------------- Tulisan Font Arab Besar Dan Juga Dapat DiZoomSesuaiKeinginan- 100% Aplikasi SUPER RINGAN- Aplikasi 100% Bisa Dibaca TanpaMenggunakanKoneksiInternet.- 100% Insya Allah Bermanfaat :)Surah YasinandTahlilReading Text Translation Along with Arab and LatinTextCompleteWith Indonesian languageUpdate Version 5.0:- Addition Audio On Any Letter- Improve Reading Yasin Good All Posts Nor Arabic translation- Addition of Prayer Tahlil- Addition of Prayer Welcome- Addition of Prayer Ayat Kursi- Addition of Prayer Pilgrimage Kubur- Addition of Special Prayer Mayit- Addition of Surat Al-Fatihah- Addition of Surat Al-Ikhlas- Addition of Surat Al-Falaq- Addition of Surat An-Nas- Addition of Surat Al-Baqarah: Verse 1-5- Addition of Prayer Welcome- Bug Fix DLL Error------------------------------------------------------------- Writing Arabic Font Large And Can Also Be In ZoomInaccordanceDesire- 100% Applications SUPER LIGHTWEIGHT- 100% Applications Can Read WithoutUsingInternetConnection.- 100% Inshallah Helpful :)