Many households, at one time or another, face the trade-off between paying an extra dollar off the remaining mortgage on the house and saving that extra dollar in tax-qualified retirement accounts. In a world without frictions, paying off mortgage loans early and investing in retirement accounts would be equivalent saving decisions. In reality, however, taxes and transaction costs play a key role in the determination of the effective borrowing and lending rates. We show that, under certain conditions, it becomes a tax-arbitrage to reduce mortgage prepayments and to increase contributions to tax-deferred accounts (TDA).
Your phone has an expansion slot compatible with microSD memory cards, which are primarily used to back up or transfer files and data.
Note: Use only compatible memory cards with your phone. Using incompatible memory cards, such as Secure Digital (SD) cards, may damage the card, as well as the phone, and data stored on the card.
Inserting the microSD memory card
Push the microSD memory card into the slot with the label side face down until it clicks into place. The card is secure when it is not protruding from the phone
The six phases of a design project:
1. enthusiasm
2. disillusionment
3. panic
4. search for the guilty
5. punishment for the innocent
6. praise for the non-participants
Notice on the wall of the Greater London Council of Architects’ Department (Lawson 2006:31).
Assessment in education is often seen as only the grading or final evaluation of a completed task performed by the student. Assessment and feedback opportunities can easily be overlooked as design and process are inseparable.
