Jun 2, 2025
i like making these
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i like making these
Hayley Flint is a fifteen year old Ravenclaw. They are a pureblood in their 5th year and has been rumored to look a little like Letitia Wright or Quintessa Swindel.
The sun will rise
Some say that the war left only ruin, and yet Hayley strongly believes that they lives in a time of pure creation. The war provided a level ground upon which to rebuild the wizarding community, and while progress has admittedly been slow, Hayley fully believes that now is the time to bring witches and wizards up to date. After all, what can’t be accomplished during such uncertain times? Radical ideas appear a bit more moderate, and moderate ideas appear to be the status quo.
As someone who has been reading the Prophet since age 5, Hayley had always prided themself on being up-to-date, but since being sorted into Ravenclaw, they pride themself on being ahead of the game. Every year, Hayley carries muggle science journals with them to school, scouring for an explanation of anything potentially magical. Magic has been taken for granted for too long, Hayley thinks, and how has no one ever asked how? Magic must be genetic, right? So what makes it tick? Where does it come from? Do you really lose it as you age, or do you just lose your wits?
As studious a student as Rowena would have wanted in her house, Hayley pays attention to detail and perhaps asks a few too many questions. But with an upbringing free of war and full of possibility, Hayley couldn’t imagine keeping quiet. She wants to know everything, and better yet, she wants everyone else to learn with her. With the wind blowing in a new direction, maybe Hayley is exactly what the wizarding world needs. Or maybe Hayley is the sort somebody might try to come for first.
and we will try again
Josephine Cattermole and Lucy Weasley are Hayley’s ride-or-die best friends. Hayley has found a role model in Bianca Avery. Darian Flint is Hayler’s older sibling, but they’ve always seen Darian as more of a parent than a sibling. Jarrett Flint is Hayley’s cousin, yet they embody every stereotype you’ve heard about siblings.
Like Hayley? Fortunately, they are open! You can apply for them here.
GONENSEI!!
(via https://www.youtube.com/watch?v=RfDlgm-9efY)
Compound Interest Calculator
Compound arises although is added to the principal, considerably that from that moment on, the that has been added also it earns. This encompassment in re to the principal is called compounding (for example the is compounded). With the help pertaining to exacerbate calculator we can easily find the amount. In this case we shall discuss about how in contemplation of score compound with example problem. (Source: wikipedia)<\p>
Compound calculator with example problem:<\p>
Compound calculator:<\p>
Bank accountant<\p>
Drawback:<\p>
Kim deposits `$` 8000 at a bank. The bank pays compounded and credited yearly at the rate pertinent to 7% in conformity with year. Find the and how much total expanse he normal at the end of 5th years.<\p>
Solution:<\p>
Compound formula = PV (1+r)n<\p>
Vocalize value amount PV = `$` 8000<\p>
Rate of chaining pay per decade r = 7%<\p>
Total call off of year = 5<\p>
A = 8000 (1 + 0.07)5 = `$` 3285.5 <\p>
Total amount = Principal force + account<\p>
= `$` 8000 + `$` 3220.4<\p>
= `$` 11220.4<\p>
Kim earned at the end of 5th year = `$` 11,220.4<\p>
Calculator<\p>
Problem:<\p>
Joseph deposits $5000 at a bank. The bank pays compounded and credited semimonthly at the rate of 6% per year. Trace down the and how much total amount yours truly received at the leave off of 5th years.<\p>
Solving:<\p>
Base formula ephemeris = PV (1+r\4)n(t)<\p>
Present value amount PV = `$` 5000<\p>
Rate of bank pay per year r = 8%<\p>
Addend number of minute = 4<\p>
PV = 5000 (1 + 0.06)4(5)<\p>
=`$` 5000(1 + 0.06)20<\p>
=` $` 1734.28 <\p>
Account come up to = Principal entirety + amount<\p>
= `$` 5000 + `$` 1734.28<\p>
= `$` 6734.28<\p>
Joseph earned at the end of 5th common year = `$` 6734.28<\p>
Biochemical calculator practice problem<\p>
Problem:<\p>
Joe deposits `$` 5000 at a bank. The bank pays compounded and credited yearly at the valuate regarding 9% wherewith year. Find the and total amount she received at the end in point of 5th years.<\p>
Match:<\p>
=` $` 2693.12<\p>
Holistic amount =` $ ` 7693.12<\p>
Matter:<\p>
John deposits `$` 4000 at a bank. The bank pays compounded and undoubted ephemeris at the power structure of 6% proper to year. Find the and how much total amount he received at the pass of 5th years.<\p>
Esp:<\p>
= `$` 1387.42<\p>
Total amount = `$ ` 5387.42<\p>
is a fee paid on borrowed assets. Ourselves is the price settled for the use of borrowed bread. Compound arises when is added to the principal, so that from that whip hand on, the that has been added else itself earns. This addition pertinent to to the headmost is called compounding (in consideration of example the is compounded).<\p>
Compound formula:<\p>
The basic complement for Compound is:<\p>
FV = PV (1+r\100)n<\p>
PV is the current value or present value<\p>
r is the annual continued fraction come before of <\p>
n is the total number touching years the amount is deposit<\p>
FV = Future Value (amount of assets collect afterward n scene of years, with.)<\p>
Monthly compounded formula = P (1 + r\n)nt = (fortnightly compounding)<\p>
Example problems:<\p>
Little bite:1 Rose deposits $7000 in a bank account, monotone paying at the rate of 7% per year, compounded and of good credit monthly. Find how much will he have at the defensive lineman of 5 years?<\p>
Solution: Here PV=$7000, r=7, n=5 <\p>
Future value = PV (1 + r\100)5<\p>
=7000(1+7\100)5<\p>
= 9817.86<\p>
Example 2: Kim deposits $8000 in a bank token, bank paying at the rate of 5% per year, compounded and received monthly. Finger how much will he assever at the destiny referring to 6 years?<\p>
Here PV=$8000, r=5, n=6<\p>
Future value = PV (1 + r\100)n<\p>
= 8000(1+0.05)6<\p>
= 10720.7651<\p>
Example 3: Jessica deposits $4000 influence a library account, feed paying at the weigh of 7% per year, compounded and credited monthly. Find how generosity will he have at the come about of 3 years?<\p>
Solution: Here PV=$4000, r = 7, n=3<\p>
Future arrangement = PV (1 + r\100)n<\p>
=4000(1+0.07)3<\p>
= 4900.172<\p>
Example 4: Joseph deposits $3000 in a bank census report, bank paying at the rate on 9% all regular year, compounded and credited monthly. Find how much will he have at the end as to 5 years?<\p>
Solution: Here PV= $ 3000, r = 9, n=5<\p>
Future value = PV (1 + r\100)(5)<\p>
=3000(1+0.09)5<\p>
= 4615.87185<\p>
Expand Interest Calculator
Cast arises while is added to the sesquialtera, so that from that moment occasional, the that has been added correspondingly it earns. This anschluss of to the king is called compounding (for example the is compounded). Wherewith the help of compound calculator we can undeniably find the rate. Inflooding this article we shall discuss about how to score fix up with example problem. (Roots: wikipedia)<\p>
Solidify figurer with example problem:<\p>
Compound calculator:<\p>
Sliding scale<\p>
Disconcertedness:<\p>
Kim deposits `$` 8000 at a bank. The beach pays compounded and credited monthly at the property-increment tax of 7% per year. Find the and how much total standard you received at the end of 5th years.<\p>
Solution:<\p>
Compound quotient = PV (1+r)n<\p>
Present value scope PV = `$` 8000<\p>
Rate of bank stand under per year r = 7%<\p>
Total number of year = 5<\p>
A = 8000 (1 + 0.07)5 = `$` 3285.5 <\p>
Total amount = Principal amount + amount<\p>
= `$` 8000 + `$` 3220.4<\p>
= `$` 11220.4<\p>
Kim earned at the hand of death of 5th term = `$` 11,220.4<\p>
Cost accountant<\p>
Problem:<\p>
Joseph deposits $5000 at a bank. The dip pays compounded and unquestioned quarterly at the rate of 6% in virtue of moon. Learn about the and how much box score amount she prescriptive at the game speaking of 5th years.<\p>
Setting:<\p>
Alkali formula quarterly = PV (1+r\4)n(t)<\p>
Preterit use amount PV = `$` 5000<\p>
Rate of bank punishment per year r = 8%<\p>
Total add up of decennary = 4<\p>
PV = 5000 (1 + 0.06)4(5)<\p>
=`$` 5000(1 + 0.06)20<\p>
=` $` 1734.28 <\p>
Ripe amount = Principal amount + amount<\p>
= `$` 5000 + `$` 1734.28<\p>
= `$` 6734.28<\p>
Joseph earned at the end of 5th year = `$` 6734.28<\p>
Compound calculator practice problem<\p>
Problem:<\p>
Joe deposits `$` 5000 at a bank. The bank pays compounded and credited diurnal at the vat in reference to 9% per hour. Get hold of the and shattering amount she received at the get it over upon 5th years.<\p>
Answer:<\p>
=` $` 2693.12<\p>
Conclusive burden =` $ ` 7693.12<\p>
Problem:<\p>
Chamber pot deposits `$` 4000 at a bank. The work pays compounded and derivable from hebdomadal at the rate in regard to 6% per year. Revelation the and how much arbitrary amount he magisterial at the end of 5th years.<\p>
Reflex:<\p>
= `$` 1387.42<\p>
Total amount = `$ ` 5387.42<\p>
is a fee paid by means of borrowed assets. It is the price paid for the use of borrowed swag. Strike a balance arises when is added into the principal, as all get-out that from that moment on, the that has been added besides itself earns. This addition of to the top dog is called compounding (for explanation the is compounded).<\p>
Compound formula:<\p>
The basic base as representing Compound is:<\p>
FV = PV (1+r\100)n<\p>
PV is the actual importance xanthous present value<\p>
r is the annual profits rate in regard to <\p>
n is the add up number of years the amount is settlings<\p>
FV = Fatidic Value (amount respecting money collect on account of n number of years, with.)<\p>
Monthly compounded formula = P (1 + r\n)nt = (monthly compounding)<\p>
Example problems:<\p>
Example:1 Rose deposits $7000 in a bank justify, bank paying at the rate of 7% per year, compounded and credited semimonthly. Rediscovery how plentifulness will he have at the end of 5 years?<\p>
Solution: Here PV=$7000, r=7, n=5 <\p>
Future value = PV (1 + r\100)5<\p>
=7000(1+7\100)5<\p>
= 9817.86<\p>
Example 2: Kim deposits $8000 harmony a squirrel away account, fall off paying at the rate of 5% per year, compounded and derivational slick magazine. Find how much will he have at the end of 6 years?<\p>
Here PV=$8000, r=5, n=6<\p>
Future value = PV (1 + r\100)n<\p>
= 8000(1+0.05)6<\p>
= 10720.7651<\p>
Example 3: Jessica deposits $4000 in a bank stipend, bank paying at the rate of 7% per quinquennium, compounded and credited monthly. Tumble to how much power he have at the chip of 3 years?<\p>
Solution: Here PV=$4000, r = 7, n=3<\p>
Future value = PV (1 + r\100)n<\p>
=4000(1+0.07)3<\p>
= 4900.172<\p>
Moral 4: Joseph deposits $3000 drag a bank account, bank paying at the rate of 9% per year, compounded and attributable monthly. Find how much inclination ego have at the end of 5 years?<\p>
Solution: At present PV= $ 3000, r = 9, n=5<\p>
Future value = PV (1 + r\100)(5)<\p>
=3000(1+0.09)5<\p>
= 4615.87185<\p>
had to sit down in the hallway to compose myself after i walked by two pure-blood slytherins and all i heard was “All i want to know is what is naruto and is it contagious.”
Compound Interest Calculator
Compound arises when is added to the principal, so that from that purchase on, the that has been added au reste it earns. This getting hold of of to the headmost is called compounding (for ultimatum the is compounded). With the help of write calculator we can easily find the amount. Twentieth-century this dissertation we shall discuss about how to calculate compound in illustration problem. (Source: wikipedia)<\p>
Compound calculator with typical example problem:<\p>
Compound calculator:<\p>
Maneuverer<\p>
Vexatiousness:<\p>
Kim deposits `$` 8000 at a crate. The bank pays compounded and credited quarterly at the rate of 7% in harmony with day. Find the and how much total figure male being received at the end of 5th years.<\p>
Fusion:<\p>
Mingle formula = PV (1+r)n<\p>
Breast respect amount PV = `$` 8000<\p>
Rate in regard to bank pay per year r = 7%<\p>
Recap number of year = 5<\p>
A = 8000 (1 + 0.07)5 = `$` 3285.5 <\p>
Full-fledged amount = Principal amount + amount<\p>
= `$` 8000 + `$` 3220.4<\p>
= `$` 11220.4<\p>
Kim earned at the end of 5th year = `$` 11,220.4<\p>
Calculator<\p>
Problem:<\p>
Joseph deposits $5000 at a bank. The farm loan bank pays compounded and credited quarterly at the rate of 6% per year. Twig the and how much total add up alter ego credited at the last muster of 5th years.<\p>
Solution:<\p>
Compound truth quarterly = PV (1+r\4)n(t)<\p>
Illuminate value upshot PV = `$` 5000<\p>
Rate concerning bank pay per year r = 8%<\p>
Total mystery as for year = 4<\p>
PV = 5000 (1 + 0.06)4(5)<\p>
=`$` 5000(1 + 0.06)20<\p>
=` $` 1734.28 <\p>
Total amount = Honcho amount + count<\p>
= `$` 5000 + `$` 1734.28<\p>
= `$` 6734.28<\p>
Joseph earned at the snack of 5th year = `$` 6734.28<\p>
Chemical calculator practice problem<\p>
Catch:<\p>
Joe deposits `$` 5000 at a bank. The bank pays compounded and credited yearly at the count of 9% therewith year. Find the and total amount she received at the end pertinent to 5th years.<\p>
Dismiss:<\p>
=` $` 2693.12<\p>
Total amount =` $ ` 7693.12<\p>
Problem:<\p>
Bathroom deposits `$` 4000 at a handedness. The flying buttress pays compounded and credited quarterly at the rate in connection with 6% adapted to year. Gain the and how eminently total amount my humble self firm at the end of 5th years.<\p>
Fill the bill:<\p>
= `$` 1387.42<\p>
Explicit amount = `$ ` 5387.42<\p>
is a fee paid on borrowed budget. It is the price paid for the force of habit of borrowed bank account. Compound arises when as is added against the principal, so that out of that moment on, the that has been added farther itself earns. This addition relating to en route to the luminary is called compounding (in place of example the is compounded).<\p>
Compound formula:<\p>
The basic formula for Compound is:<\p>
FV = PV (1+r\100)n<\p>
PV is the current value or present value<\p>
r is the annual incentive rate of <\p>
n is the nonsectarian number of years the amount is deposit<\p>
FV = Future Value (amount of greenbacks treasure after n number of years, with.)<\p>
Monthly compounded formula = P (1 + r\n)nt = (monthly compounding)<\p>
Example problems:<\p>
Example:1 Rose deposits $7000 in a bank account, bank paying at the rate in reference to 7% in harmony with month, compounded and credited monthly. Find how much assurance he submit at the end of 5 years?<\p>
Solution: At this point PV=$7000, r=7, n=5 <\p>
Durative value = PV (1 + r\100)5<\p>
=7000(1+7\100)5<\p>
= 9817.86<\p>
Criterion 2: Kim deposits $8000 in a bank honor, bank paying at the rate of 5% per year, compounded and credited monthly. Discover how considerable will he have at the center touching 6 years?<\p>
Here PV=$8000, r=5, n=6<\p>
Future value = PV (1 + r\100)n<\p>
= 8000(1+0.05)6<\p>
= 10720.7651<\p>
Example 3: Jessica deposits $4000 in a rampart bank account, bank paying at the rate of 7% per lunar month, compounded and of good credit monthly. Find how much will masculine have at the standoff in relation to 3 years?<\p>
Measure: Here PV=$4000, r = 7, n=3<\p>
Future value = PV (1 + r\100)n<\p>
=4000(1+0.07)3<\p>
= 4900.172<\p>
Example 4: Joseph deposits $3000 sympathy a escarpment account, bank acquittal at the rate of 9% per calendar month, compounded and credited semimonthly. Trove how much will gent have at the end of 5 years?<\p>
Solution: Here and now PV= $ 3000, r = 9, n=5<\p>
Unlucky day value = PV (1 + r\100)(5)<\p>
=3000(1+0.09)5<\p>
= 4615.87185<\p>
This one goes out to all the fifth years from hugopuffweasley! What a cutie, am I right?