How to calculate housing expense ratio?
To calculate the housing expense ratio, simply take the sum of all property expenses and divide it by a pretax income. What is the Total Housing Expense? Utilities Expense Utilities expense is the cost incurred by using utilities such as electricity, water, waste disposal, heating, and sewage. , and property management fees, etc.
How to calculate a golf handicap?
To get adjusted gross scores, use the USGA’s equitable stroke control. Use the ESC downwards while adjusting the individual 18-hole scores to create a golf handicap. According to ESC, you are restricted to the maximum number of strokes you can enter in a given hole. The maximum can be obtained from the table below
How do you calculate prize money in golf tournaments?
Divide the money among players who tie for a position. For example, if three players tie for third place in a $5 million event, add the percentages normally awarded for third through fifth places (6.8 + 4.8 + 4 = 15.6), then divide by the number of golfers who tied for the position (15.6/3 = 5.2).
How do I Choose my golf clubs?
Now as far as club selection goes, what you have to know is that there are two different distance factors: from the golf ball to your landing area is one distance, and then from your landing area to the hole is your second distance. A sand wedge is one to one ratio, meaning one part carry in the air one part roll on the ground.
How do you calculate NPK ratio?
To determine a fertilizer ratio for a recommendation of 1.5 lb of nitrogen, 0.5 lb of phosphate, and 0.5 lb of potash, divide the weight of each of the three nutrients (1.5 lb, 0.5 lb, 0.5 lb) by the nutrient with the lowest weight (0.5 lb). Thus, the fertilizer ratio that best fits this recommendation is 3-1-1.
How do I calculate how much fertilizer I need?
0:521:54How to Calculate Fertilizer Application Rates - YouTubeYouTubeStart of suggested clipEnd of suggested clipSo take one pound divided by 0.2 two and you get 4.5 4 pounds of 2200. Per thousand square feet. SoMoreSo take one pound divided by 0.2 two and you get 4.5 4 pounds of 2200. Per thousand square feet. So if we have 2500 square foot of lawn we'll multiply 4.5.
What is ideal NPK ratio?
According to the Fertiliser Association of India (FAI), the NPK ratio in the country has reached 6.5:2.9:1 in 2011-12. The ratio considered ideal stands at 4:2:1.
How do you calculate NPK for liquid fertilizers?
Calculations:Pounds of Nitrogen per gallon of fertilizer (E) = A x B.Gallons of fertilizer required to deliver desired amount of Nitrogen to one acre (F) = C / E.Number of gallons required to deliver desired amount of Nitrogen to entire field (G) = F x D.
How do you calculate fertilizer application rates per acre?
To do this, divide the amount of the nutrient wanted by the proportion of that nutrient in the fertilizer used. (Nutrient rate per acre ÷ fertilizer nutrient proportion = pounds of fertilizer needed to apply per acre.) 50 lb. N per A ÷ 0.46/lb.
How much fertilizer do I need for an acre?
Fertilizing an Acre of Lawn Multiply the number of bags you need for 1,000 square feet by this number to determine how many bags you need for an acre. For example, you need (1.1 x 43.56) = 48 bags of Dr. Earth and (0.25 X 43.56) = 11 bags of Pennington UltraGreen.
Is higher NPK better?
The higher the number, the more nitrogen the fertilizer provides. This is why most lawn fertilizers are high in nitrogen, with formulations like 24-4-12 or 20-2-6. Phosphorus (P) promotes root development, which helps to anchor and strengthen plants. It also increases bloom and fruit production.
What is the best NPK ratio for lawns?
Lawns want nutrients in a basic ratio of 4-1-2. (NOTE: 16-4-8 is a 4-1-2 ratio) This means four parts nitrogen to one part phosphorous to two parts potassium. Often referred to as the N-P-K Ratio.
What is the best NPK ratio for seedlings?
Seedlings tend to need a fertilizer that's high in phosphorous. Phosphorus stimulates root development and is a component of photosynthesis. Look for a 1-2-1 N-P-K (nitrogen-phosphorus-potassium) ratio on the fertilizer label.
How do you calculate fertilizer dilution?
Calculate Fertilizer AmountsList all the variables: Desired concentration = 150 ppm. Injector ratio = 1:200; dilution factor = 200. Fertilizer analysis = 17-5-24 (17-percent nitrogen) ... Perform calculation: X = 150-ppm nitrogen x 200 ÷ 17-percent nitrogen X 75 =30,000 = 1,275 =23.53 or roughly 23 1/2 oz. per gal.Answer:
How do you calculate nutrient in liquid fertilizer?
If you can measure the weight of your fertilizer solution, you can easily determine the weight of actual nitrogen in that particular volume of fertilizer -- simply divide the N percentage by 100 and multiply this decimal by the total weight of liquid.
How to change gross score to adjusted total score?
To get adjusted gross scores, use the USGA’s equitable stroke control. Use the ESC downwards while adjusting the individual 18-hole scores to create a golf handicap .
How to calculate golf handicap 2020?
If you have never played golf, your golf handicap does not exist. When you are ready to create your golf handicap, start by tracking your 9 and 18-hole scores. The scores should be recorded in a scorecard and must be signed by two people: you and the partner accompanying you to the golf game.
How many strokes over par for a six handicap?
Your friend, with a golf handicap of six, is expected to play 78 strokes, or six over par. While you and your twelve handicap are expected to hit 84 strokes, 12 more over par. Your handicap, in short, is the number of strokes over par you should take in the course of the 18-hole round. In this scenario, let’s say you shoot a 82 ...
What is handicap used for?
Now, your handicap is used to gauge your skill level based on your score compared to a course’s par round. Handicaps are used in tournaments large and small. From a scramble with friends to club championships.
What does a 5 handicap mean in golf?
Essentially, the lower your golf handicap, the more skilled you are. A player with a handicap of 5 means that the average of this player’s previous rounds was 5 over par (criteria changed from 5 rounds to 3 rounds starting in 2020). Handicaps are often used to judge how a player performed compared to their average level ...
What is a golf handicap?
Golf handicaps are a number that represents the golfer’s ability based on their previous golf round’s scores. It serves the purpose of comparing your performances with other golf players. For men, your golf handicap is generally between zero and twenty-eight, and, for women, between zero and thirty-six. Knowing your handicap is a must ...
What is the maximum handicap for women?
USGA states that the default maximum number from any handicap index in a golf match should be 40.4 for women and 36.4 for men if played on an 18-hole course. On the 9-hole course, it should be 18.2 for men and 20.2 for women.
How does DSR work?
The DSR uses a number of statistics to draw its conclusion. The DSR algorithm isolates each statistic so that a single anomaly in any one statistic can't spill over to significantly affect the overall DSR score. Also, each statistic considered by the DSR is given a reasonable limit.
What is a high DSR market?
Simply, a high DSR market is one in which demand exceeds supply. If that is termed "hot", then yes the DSR identifies markets that are "already hot". This is preferred to buying in "cold" markets, where supply exceeds demand, or in markets where supply and demand are unknown.
What is the DSR in real estate?
What is the DSR? DSR stands for Demand to Supply Ratio. The DSR is a score out of 100 for the ratio of demand to supply for a property market. The higher the DSR, the more demand exceeds supply. One of the most fundamental laws of economics is that prices rise when demand exceeds supply.
What is a property expert guru?
A property expert/guru is claiming a certain market is hot. Check the DSR. The DSR can be used to short-list markets with potential. Instead of wasting hours of time researching a market only to conclude it is not that special, why not instead start with those markets that have a high DSR.
Why is DSR+ important?
The DSR+ includes more than double the statistics of the basic DSR. And more are added each year, improving its reliability at picking growth markets. Poor markets are more clearly identified by the DSR+ because of the larger number of stats used in its calculation. The DSR+ also finds good markets more accurately.
Is DSR enough to guarantee capital growth?
Although eight statistics are actually more than many property investors examine before buying, the DSR is not nearly enough to guarantee exceptional capital growth. The DSR is just a quick figure to gauge the ball-park health of a property market. A far more comprehensive statistic is the DSR+ .
Is there a correlation between DSR and price growth?
As shown in the prior graph, there is a striking correlation between the DSR and imminent price growth. It is objective. The DSR has no bias for a suburb in which a developer or real estate agent is promoting their stock, or for a suburb in which an investor used to live.
What does a course rating tell you?
A golf course rating tells you what a scratch golfer would be expected to shoot from the tees they're playing on a particular course under normal conditions. The rating is different for men and women.
How many yards can a scratch golfer hit?
A male scratch golfer, for rating purposes, can hit tee shots an average of 250 yards and can reach a 470-yard hole in two shots.". A scratch woman can "can hit tee shots an average of 210 yards and can reach a 400-yard hole in two shots at sea level.".
What is slope in golf?
The golf course slope is a measure of a course's difficulty, but it is not considered the better of the two measurements. Golf course slope is actually derived from the golf course rating. Slope is a measure of a golf course's difficulty in a relative comparison of a scratch golfer to a bogey golfer (someone who shoots around 90 for 18 holes).
What is the difference between a sand wedge and a pitching wedge?
A sand wedge is one to one ratio, meaning one part carry in the air one part roll on the ground. A pitching wedge is a one-to-two ratio, 9-iron is one-to-three, 8-iron is one-to-four and all the way up. So all you have to know is from the golf ball to your landing area, that distance, and then from the landing area to the hole as your second ...
How many steps are there in a pitching wedge?
Now from my landing area to the hole you have eight steps, so if you divide four into eight you have a one to two ratio, and a one to two ratio is a pitching wedge.
How to remember what golf club to use?
A good way to remember what club to use, always subtract the ratio from the number twelve and it will give you the right golf club. If you have a one to five ration, five from twelve would be a 7-iron.
How to calculate housing expense ratio?
To calculate the housing expense ratio, lenders sum up all the housing expense obligations of a borrower, such as operating expenses like future mortgage principal and interest expenses. Interest Expense Interest expense arises out of a company that finances through debt or capital leases. Interest is found in the income statement, but can also. ...
What is a mortgage loan?
In other words, lenders, such as banks, use the ratio during due diligence while qualifying a borrower for a loan. Mortgage A mortgage is a loan – provided by a mortgage lender or a bank – that enables an individual to purchase a home.
How to calculate total house expense?
To calculate the housing expense ratio, simply take the sum of all property expenses and divide it by a pretax income.
What is LTV ratio?
The LTV ratio is an important metric that assesses the lending risk that a lender carries by providing the loan to a borrower. is low and/or the borrower demonstrates an excellent credit history. Keeping monthly housing expenses to 28% of the borrower’s gross income assists in estimating how much the debtor can afford to pay monthly on a mortgage.
What is the debt to income ratio?
To put it another way, the debt-to-income ratio is a percent of gross income used to settle debt obligations. The DTI formula is as follows:
What is credit analysis?
Credit Analysis Credit analysis is the process of determining the ability of a company or person to repay their debt obligations. In other words, it is a process that determines a potential borrower's credit risk or default risk. It incorporates both qualitative and quantitative factors.
What is credit score?
Credit Score A credit score is a number representative of an individual's financial and credit standing and ability to obtain financial assistance from lenders. Lenders use the credit score to assess a prospective borrower’s qualification for a loan and the specific terms of the loan. Personal Finance.
What is reserve ratio?
Reserve Ratio refers to the portion of total deposits that the commercial banks are obligated to maintain with the central bank in the form of cash reserve, and it will not be available for any commercial lending. The requirement for the reserve ratio is decided by the central bank of the country, such as the Federal Reserve in the case ...
Why is reserve ratio important?
From the perspective of banking economics, it is important to understand the concept of reserve ratio because it is used to maintain the reserve to prevent any shortage of funds in case a large number of depositors decide to withdraw their deposits, popularly known as a bank run . The amount of reserve to be maintained is determined by the central banks of each region on the basis of their past experience regarding cash demand during a bank run. In fact, the central bank uses the reserve ratio to manage the money supply in the economy.
What is reserve requirement?
Reserve Requirement Reserve Requirement is the minimum liquid cash amount in a proportion of its total deposit that is required to be kept either in the bank or deposited in the central bank, in such a way that the bank cannot access it for any business or economic activity. read more. ...
