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2. Say goodbye to the 20% down payment. Zillow says you ... - AOL

   www.aol.com/finance/goodbye-20-down-payment...

   There’s only 10 out of 50 major metropolitan areas where a household earning the median income can put less than 20% down and still have an “affordable” payment on the typical home, Zillow ...

3. Free public transport - Wikipedia

   en.wikipedia.org/wiki/Free_public_transport

   In 2020, Luxembourg became the first country to provide free public transport across its entire territory. [1] Free public transport, often called fare-free public transit or zero-fare public transport, is public transport which is fully funded by means other than collecting fares from passengers. It may be funded by national, regional or local ...

4. Original issue discount - Wikipedia

   en.wikipedia.org/wiki/Original_issue_discount

   Original issue discount. Original Issue Discount ( OID) is a type of interest that is not payable as it accrues. OID is normally created when a debt, usually a bond, is issued at a discount. In effect, selling a bond at a discount converts stated principal into a return on investment, or interest. The accurate determination of principal and ...

5. Hyperbolic discounting - Wikipedia

   en.wikipedia.org/wiki/Hyperbolic_discounting

   Hyperbolic discounting is mathematically described as. where g ( D) is the discount factor that multiplies the value of the reward, D is the delay in the reward, and k is a parameter governing the degree of discounting (for example, the interest rate ). This is compared with the formula for exponential discounting:

6. Discount rate - Wikipedia

   en.wikipedia.org/wiki/Discount_rate

   Discount rate may refer to: Social discount rate (of consumption), the rate at which the weight given to future consumption decreases in economic models. Pure time preference, or utility discount rate, the rate at which the weight given to future utility decreases in economic models. Annual effective discount rate, an alternative measure of ...

7. A Few Years From Now, You'll Wish You'd Bought This ... - AOL

   www.aol.com/few-years-now-youll-wish-113000100.html

   Workday has over 20% market share of the human capital management (HCM) industry -- or human resources. This places the cloud software business alongside giants like ADP (NASDAQ: ADP) and Oracle ...