Description
App Information David Gray Project #6
- App NameDavid Gray Project #6
- Package Namecom.HRGincSoftware.David_Gray_Pee
- UpdatedNovember 5, 2014
- File SizeUndefined
- Requires AndroidAndroid 1.6 and up
- Version1
- DeveloperDavid Gray
- Installs100 - 500
- PriceFree
- CategoryHealth & Fitness
- 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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Shy Bladder Paruresis Pee Pipi 1.0 APK
Paruresis, also known as shy orbashfulbladder, is the inability or difficulty to urinate in thepresenceof other people, when under time pressure, or on vehiclessuchastrains or airplanes.The affected person can sometimes passurineonly at home and when there are no guests. It is thought to beverycommon, a phobic condition ranking second to the fear ofpublicspeaking. Paruresis may be due to some embarrassingincidentconnected with difficulty in urination, be it teasingbyschoolmates in the public urinal, or abuse as a child. Thisthencauses the person to anticipate the failure to void in apublicsetting, and somehow the fear becomes self-fulfilling. It isalsotermed psychogenic urinary retention, since the urinarysphincterresponds to stress and fear by constricting instead ofrelaxing.There is mounting emotional and mental stress whenever theneedarises to urinate without absolute privacy being possible.Thepeople affected are characteristically shy and sensitive toothers’disapproval or judgment. It is a form of performance anxietywhichturns into an active phobia. The symptoms are characteristic.Inmoderate to severe cases, they may include a compulsion toensuretotal privacy during the act of urination. Thus the affectedpersoncannot tolerate even the possibility of others hearing thesound ofurine hitting the urinal or the water in the toilet. Theperson hasa morbid conviction that he is unable to initiateurination infront of others.In order to avoid the possibility ofhaving to goto a toilet outside the home or visit a public urinal,the affectedperson will refuse to drink fluids if he has to go outshortly. Hemay reject all invitations to social events, and refuseto taketrips. In milder cases, the affected person will not be abletostart peeing when in proximity to someone else, as happensatpublic urinals. He will search for a vacant restroombeforetrusting himself to urinate.White Noise Music TherapyWhite noise contains all the frequencies your ear can hear,mashedup and played randomly together. Examples of white noiseinclude awaterfall, the hiss on a radio, the sound of the sea, andleavesrustling in the wind.The brain is capable of listening to several things at once,andpicking out one to focus on. However when you have thousandsofdifferent noises, even your powerful subconscious mind cannotpickthem all out. White noise helps distracting noises fade intotheother noises so that they no longer distract. They blend intotherest of the white noise sound. Then there are no sounds thatstandout and catch your attention.Many people believe that whitenoisecontains special therapeutic qualities because it is asimilarsound to what we hear in the womb. This makes sense as manyparentsnotice that their babies settle to the humming sound of acarengine, or even the noise of a vacuum cleaner. What does ithelpwith? White noise therapy helps filter distractingbackgroundnoises. This is why many people experience relaxation andpleasurefrom listening to heavy rain. White noise helps calm yourmind anddistract it from intruding sounds and thoughts. This is whypeopleoften use white noise therapy, either natural sounds or manmadewhite noise, to relax and meditate.Many people find that white noise helps them to get tosleep,concentrate when studying, ease stress, and help withmeditationand self hypnosis. Why is it called “white noise”? It iscalledwhite noise because of it’s relationship with light. Whitelight isa combination of all the colours in the spectrum. This iswhy arainbow is formed when the sunlight hits the rain, as thecoloursare split up. White noise is made up of all the soundscombinedtogether. Many people have alleviated considerablydisorders withWithe Noise Therapy. This app was created after anaccurate andimportant qualitative study of white noise, wereselected soundsmore effective to treat paruresis syndrome.
Baby Poop & Pee Assistant 1.6 APK
** When was your last time helping your littleone to pee/ to poop?** How was the potty training process?** How long does it take?This app is perfectly designed to assist busy parents to dopotty training / toilet training for babies and kids.WHY "Baby Potty Training Assistant"?**Simple one touch super cute user interface**Forget about lengthy wordings and complex series of functions, wemake it quick and easy that your little one can also start using itwithout your help during potty training time.**Background excitement color**We understand all the hard work and yes, potty training can be fun,it doesn't have to be bored or stressful. Our background changeeverytime you start your app.**Simulate real human, sound plays continuously every 2secs**Tired of unlocking your phone and keep pressing the re-play buttonagain and again? You can now forget them, completely.Our goal is to help you shorter the time needed, create funexperience while soothing your baby to ease the peeing and poopingprocess. We have experienced, played and repeated over hundreds ofdifferent sounds. We tried and tested them on real cases to selectand integrate only the two that work best.We hope our app can help during your most precious time.We'd love to hear from you, the team will continue to versioningbased on your feedback and comments. Thanks for all yoursupporting!
Help Me Pee! 1.1.3 APK
For when you really need to pee, this appisfor you! The bladder-inducing tinkle of a bathroom sink, orthesound of rushing water from a river will help get thejuicesflowing. For free!Sounds include:- Sink- River- Fire Hose- Fountain- Sprinkler- Ocean- WaterfallThis app is also great to produce ambient noise to helpyourelax...
Healthy Color Of Pee 1 APK
The pale gold pee color tells us that weneedto drink more water.Take this to the restroom: Urine is a byproduct ofbodilyfunctions. When there is a malfunction it contains clues totheproblem. The color of pee can often be a helpful indicator. Thatiswhy your doctor always wants a sample.Here we display the various different shades of pee andtheirmeaning, encouraging you to drink more water, less water orbeworried.
Pee Starter 1.02 APK
Shy bladder (paruresis)? Having problemspeeing in public places? Have no fear, Pee Starter is here!Press the button to play one of 5 built-in pee-in-a-toiletsounds that might just get your wee going all over the place.Or, you can just turn it on when you're in the bathroom and youdon't want anyone to come in!
iUrinal - Shy Bladder App 1.1 APK
iUrinal - Shy Bladder App is the number oneappcreated to help men overcome their shy bladder syndrome, alsoknownas paruresis.If you are reading this then more than likely you suffer fromabashful bladder and know how difficult and frustrating it istourinate in a public restroom. (Note: it has been reported that1out of 10 men have some symptoms of a bashful bladder orparuresisso you are not alone.)What iUrinal – Shy Bladder App does is take the pressure offtheperson that is trying to pee in a public bathroom by makingthepeeing sound through your phone’s speakers to mimic the sound asifyou were actually going. Those around you, either very close orfaraway, will think you are actually urinating.Many people suffering from peeing stage fright have been abletourinate while using this app because anyone around the personwiththe bashful bladder will think they are actually going; thustakingoff the mental pressure from the person who suffers from thistypeof stage fright.In this customized app you are able to choose 4 peeingsoundsfrom the most commonly used urinals and toilet. 1: thewaterlessurinal 2: the urinal with mid-level amount of water 3: thelongurinal and 4: the standard toilet. So no matter where you areyoucan find the sound that fits the toilet you are using.The custom controls allow you to stop the peeing sound atanytimemaking it a seamless transfer over from your phone’sspeakers makingthe sound to you actually “going.” No one in thebathroom will everknow you were first using iUrinal- Shy BladderApp to make theurination sound.We are proud to help men all over the world go pee inpublicrestrooms again!
Upper Pee Dee YMCA 8.3.0 APK
Upper Pee Dee YMCASearch exercise schedules, get new program information, seefacility closings and more!Upper Pee Dee YMCA - EXERCISE SCHEDULES* Have a class in mind? Search class times based on your classname. Find a list of classes, instructors, descriptions, andlocations.* Daily class schedules.Upper Pee Dee YMCA - AQUATICS SCHEDULES* Search water aerobics schedules based on class name, dates andmore.Upper Pee Dee YMCA - PROGRAMS & EVENTS* See upcoming YMCA programs such as sports registrations, newclasses, new videos and more.* Share this info via email with your friends and family.Upper Pee Dee YMCA - FACILITY STATUS* Need to know if a sports practice or game is canceled? Thefacility status service gives you up to the minute statusinfo.* Pool closed? Snow closures? We can tell you.* Get Push Notifications of practice and game cancellations.Our focus is to strengthen communities and we are committed tonurturing the potential in kids, promoting healthy living, andfostering a sense of social responsibility in all that we do.
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adidas train & run 4.7.2.30.42432e5 APK
Get fitter, leaner and stronger withadidasTrain & Run – our free fitness and running app withexpertreal-time voice coaching. This free training app turns your smart phone into yourpersonaltrainer, providing real-time coaching, voice feedback andfreecardio and strength training plans. adidas Train & Runlet’syou track your heart rate, pace, speed, routes, calories andyouractivity when paired with a FitSmart. View your workouthistory,heart rate curves and route maps with your training heartrate zonedisplay. Whatever your goal, be it to get off the couch, lose weight,shapeand tone, build strength, get faster, improve endurance,complete a5k or run a marathon, this fitness app will help youachieve yourgoals faster. Train & Run keeps you inspired and inthe know,helping you work out more efficiently and to stay activeeventhrough the rough times. The App allows you to construct a routine made just for you.Weeklygoals let you track your progress and set new goals eachweek.Longer-term training plans provide a complete coached work outsoyou can reach your best. Share your progress and achievementswithyour friends and inspire others to get active too. Download the Train & Run App today to get moving andstarttracking your workouts. Key app features and benefits: - Track every element of your life with daily activitytrackingcapabilities tracking steps taken, calories burned anddistancecovered when paired with your Fit Smart.- Get training tips, motivation and inspiration from weeklyblogupdates.- Keep your routine fresh and new with access to 100s offreecardio, strength and flexibility training plans.- Let your friends know how your training is going bysharingworkouts and photos to Facebook, Twitter, Instagram, otherfitnessplatforms and more.- Keep track of all your workouts and training schedules to seeallthe hard work you’re putting in!- Listen to your favorite music during runs or strengthandconditioning workouts.- Set personalized weekly goals to help you stay motivated andontrack.- Let your routine work around your schedule, by adjusting goalsandplans.- Tap and go for a fresh new run by mapping workout routesinreal-time with GPS tracking.- Improve faster with the help of real-time voice coaching.- Check just how much effort you put in by analyzing yourzonetraining post-run through colored route tracking.- Have your own personal trainer with coached workouts givingyoumore insights on your activity.- Try sample workouts or create your own favoritecoachedworkouts.- Explore the app while setting weekly goals or addingtrainingplans.- Integrate with other fitness platforms including MyfitnesspalandStrava.- Sync up with your Fit Smart via Wireless Bluetooth™syncing. Want more? Log in to adidas.com/micoach to dive deeper intoyourworkout stats and engage with like-minded people in thecommunityfor training tips and fitness inspiration.
Hamal Guide (Pregnancy Book) 2.0 APK
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Mardana Kamzori Ka Ilaj/Wazifa 1.2 APK
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Calorie Counter -FDDB Ext. Pro 1.6 APK
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Change4Life Sugar Smart 2.1.0 APK
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