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2pointslow

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I do drugs all the time. This one time when I didnt have drugs I asked a friend for some. He was kind of passed out so I just acted like he said yes and grabbed his drugs. Im not 100% sure what they were but I think my drugs were better. The one thing I found strange about his drugs are they made me horny. Since he was passed out I lubed up his armpit in hopes of rubbing one out. His arm pits were so hairy though that it didnt slide right. Since I was in his house I didnt know where the razors were so I cut his pit hair with the scissors on my swiss army knife. At this point I was more intrigued by the hair cutting so I started trimming random body parts. I would say I clipped at his hair for at least 3 hours before falling asleep. When I woke up in the morning I told him what happend. Then we looked at each other and chuckled at another fabulous night of doing drugs.
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Thank you for being a friend...

Travel down the road and back again...

Your heart is true; you're a pal and a confidant.

And if you threw a party...

i-i-i-invited everyone you knew...

You would see the biggest gift would be from me...

And the card attached would say:

 

"THANK YOU FOR BEING A FRIEND"

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Future value is the value of an asset at a specific date. It measures the nominal future sum of money that a given sum of money is "worth" at a specified time in the future assuming a certain interest rate, or more generally, rate of return; it is the present value multiplied by the accumulation function. The value does not include corrections for inflation or other factors that affect the true value of money in the future. This is used in time value of money calculations.

 

 

OverviewMoney value fluctuates over time: $100 today is not worth $100 in five years. This is because one can invest $100 today in a bank account or any other investment, and that money will grow/shrink due to interest. Also, if $100 today allows the purchase of an item, it is possible that $100 will not be enough to purchase the same item in five years, because of inflation (increase in purchase price).

 

An investor who has some money has two options: to spend it right now or to invest it. The financial compensation for saving it (and not spending it) is that the money value will accrue through the interests that he will receive from a borrower (the bank account on which he has the money deposited).

 

Therefore, to evaluate the real worthiness of an amount of money today after a given period of time, economic agents compound the amount of money at a given interest rate. Most actuarial calculations use the risk-free interest rate which corresponds the minimum guaranteed rate provided the bank's saving account, for example. If one wants to compare their change in purchasing power, then they should use the real interest rate (nominal interest rate minus inflation rate).

 

The operation of evaluating a present value into the future value is called a capitalization (how much will $100 today be worth in 5 years?). The reverse operation which consists in evaluating the present value of a future amount of money is called a discounting (how much $100 that will be received in 5 years- at a lottery, for example -are worth today?).

 

It follows that if one has to choose between receiving $100 today and $100 in one year, the rational decision is to cash the $100 today. If the money is to be received in one year and assuming the savings account interest rate is 5%, the person has to be offered at least $105 in one year so that two options are equivalent (either receiving $100 today or receiving $105 in one year). This is because if you cash $100 today and deposit in your savings account, you will have $105 in one year.

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Future value is the value of an asset at a specific date. It measures the nominal future sum of money that a given sum of money is "worth" at a specified time in the future assuming a certain interest rate, or more generally, rate of return; it is the present value multiplied by the accumulation function. The value does not include corrections for inflation or other factors that affect the true value of money in the future. This is used in time value of money calculations.

 

 

OverviewMoney value fluctuates over time: $100 today is not worth $100 in five years. This is because one can invest $100 today in a bank account or any other investment, and that money will grow/shrink due to interest. Also, if $100 today allows the purchase of an item, it is possible that $100 will not be enough to purchase the same item in five years, because of inflation (increase in purchase price).

 

An investor who has some money has two options: to spend it right now or to invest it. The financial compensation for saving it (and not spending it) is that the money value will accrue through the interests that he will receive from a borrower (the bank account on which he has the money deposited).

 

Therefore, to evaluate the real worthiness of an amount of money today after a given period of time, economic agents compound the amount of money at a given interest rate. Most actuarial calculations use the risk-free interest rate which corresponds the minimum guaranteed rate provided the bank's saving account, for example. If one wants to compare their change in purchasing power, then they should use the real interest rate (nominal interest rate minus inflation rate).

 

The operation of evaluating a present value into the future value is called a capitalization (how much will $100 today be worth in 5 years?). The reverse operation which consists in evaluating the present value of a future amount of money is called a discounting (how much $100 that will be received in 5 years- at a lottery, for example -are worth today?).

 

It follows that if one has to choose between receiving $100 today and $100 in one year, the rational decision is to cash the $100 today. If the money is to be received in one year and assuming the savings account interest rate is 5%, the person has to be offered at least $105 in one year so that two options are equivalent (either receiving $100 today or receiving $105 in one year). This is because if you cash $100 today and deposit in your savings account, you will have $105 in one year.

Mind asplode

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Dark matter's existence is inferred from gravitational effects on visible matter and gravitational lensing of background radiation, and was originally hypothesized to account for discrepancies between calculations of the mass of galaxies, clusters of galaxies and the entire universe made through dynamical and general relativistic means, and calculations based on the mass of the visible "luminous" matter these objects contain: stars and the gas and dust of the interstellar and intergalactic medium. The most widely accepted explanation for these phenomena is that dark matter exists and that it is most likely composed of heavy particles that interact only through gravity and possibly the weak force; however, alternate explanations have been proposed, and there is not yet sufficient experimental evidence to determine which is correct. Many experiments to detect proposed dark matter particles through non-gravitational means are underway.

 

According to observations of structures larger than solar systems, as well as Big Bang cosmology interpreted under the Friedmann equations and the FLRW metric, dark matter accounts for 23% of the mass-energy content of the observable universe. In comparison, ordinary matter accounts for only 4.6% of the mass-energy content of the observable universe, with the remainder being attributable to dark energy. From these figures, dark matter constitutes 83%, (23/(23+4.6)), of the matter in the universe, whereas ordinary matter makes up only 17%.

 

Dark matter plays a central role in state-of-the-art modeling of structure formation and galaxy evolution, and has measurable effects on the anisotropies observed in the cosmic microwave background. All these lines of evidence suggest that galaxies, clusters of galaxies, and the universe as a whole contain far more matter than that which interacts with electromagnetic radiation. The largest part of dark matter, which by definition does not interact with electromagnetic radiation, is not only "dark" but also, by definition, utterly transparent.

 

As important as dark matter is thought to be in the cosmos, direct evidence of its existence and a concrete understanding of its nature have remained elusive. Though the theory of dark matter remains the most widely accepted theory to explain the anomalies in observed galactic rotation, some alternative theoretical approaches have been developed which broadly fall into the categories of modified gravitational laws and quantum gravitational laws.

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