In this lesson we're going to learn about best buys. Best buys is when the same items have different price, you have no idea which one is cheap or best value for your money.
Let me tell you that it's not always a largest product or smallest or medium sized item. It matters on each price of each item. To find the price of each amount, you have to divide the total amount to the number of items.
For example "5 for 45c, 4 for $1, 3 for 99c. Find the best buy."
To find the best buy, 5 for 45c
= 45/5 = 1 for 9c
4 for $1
= 100/4
= 25
=1 for 25c
3 for 99c
= 99/3
=33
= 1 for 33c.
Therefore the answer is 5 for 45c.
Saturday, October 9, 2010
Profit and loss
In this lesson we're going to learn profit and loss.
Profit = Selling price - cost price
Loss = cost price - selling price
For example "Larry bought a game console for $330 then 3 years later he sold for $375. Find his profit and also find the profit in percentages.
Profit = $375 - $330 = $45.
Profit in percentage = profit/cost price x 100
= $45/330 x 100
= 14%
Another example is "brad bought a new mobile phone for $500. 4 years later he sold it for $230. Find his loss and also in percentage."
Loss = $500 - $230
= $270
Loss in percentage = Loss/cost price x 100
= $270/$500 x 100
= 54%
Profit = Selling price - cost price
Loss = cost price - selling price
For example "Larry bought a game console for $330 then 3 years later he sold for $375. Find his profit and also find the profit in percentages.
Profit = $375 - $330 = $45.
Profit in percentage = profit/cost price x 100
= $45/330 x 100
= 14%
Another example is "brad bought a new mobile phone for $500. 4 years later he sold it for $230. Find his loss and also in percentage."
Loss = $500 - $230
= $270
Loss in percentage = Loss/cost price x 100
= $270/$500 x 100
= 54%
Friday, October 8, 2010
Depreciation
In this lesson we're going to learn about depreciation. Depreciation means when something loses value.
For example "Deuce bought a new calculator 4 years ago for $200.
If it has depreciated by 15% p.a, what is it worth now?"
Decreased by 15% = 85% = x 0.85
Present value = $200 x 0.85 x 0.85 x 0.85 x 0.85
For example "Deuce bought a new calculator 4 years ago for $200.
If it has depreciated by 15% p.a, what is it worth now?"
Decreased by 15% = 85% = x 0.85
Present value = $200 x 0.85 x 0.85 x 0.85 x 0.85
= $200 x 0.85⁴
= $104
Shares
In this lesson we're going to learn shares. Shares are issued by companies for raise the operating the fund.
Also in shares we're going to learn Dividends and yields. These will tell you how to find the profits, price as in the percentage of the shares.
Dividend yield = Dividend/market value x 100
1. Our first example is " A company distributes all after their tax profit is $67.5 million. There are 1342 million shares in the company."
What we need to do is find the price of each share. We see both are million so we erase 6 zeroes.
Therefore $67.5÷1342 = 0.050298053
= $0.05 (5 cents per share)
2. Second example is "Find the dividend yield if the shares have a current market value of $1.30.
Dividend yield = 0.05/1.30 x 100
= 3.846153846
= 3.8%
3. Third example is "What's my dividend if i own 35000 shares?"
35000 x 0.05 = $1750
Next one we're going to learn is the brokerage fees. Brokerage fees are charged on all share transaction account (I.e purchases and sales.)
4. Forth example is "I bought a share to the value of $72000.
The broker charges 1.5% on the first $10000, 1.3% on the next $10000 and 1.1% on the next $10000 and 1.2% in excess of $13000.
Then I sell my shares at $75000.
(A) Find the brokerage fees that I must pay for this purchase.
(B) Find the profits after the brokerage fees.
(A) (1.5% x 10000) + (1.1% x 10000) + (1.2% x 59000)
= $968
(B) (1.5% x 10000) + (1.1% x 10000) + (1.2% x 62000)
= $1004
Profit = ($75000 - $72000) - 968 - 1004
= $1028
Also in shares we're going to learn Dividends and yields. These will tell you how to find the profits, price as in the percentage of the shares.
Dividend yield = Dividend/market value x 100
1. Our first example is " A company distributes all after their tax profit is $67.5 million. There are 1342 million shares in the company."
What we need to do is find the price of each share. We see both are million so we erase 6 zeroes.
= $0.05 (5 cents per share)
2. Second example is "Find the dividend yield if the shares have a current market value of $1.30.
Dividend yield = 0.05/1.30 x 100
= 3.846153846
= 3.8%
3. Third example is "What's my dividend if i own 35000 shares?"
35000 x 0.05 = $1750
Next one we're going to learn is the brokerage fees. Brokerage fees are charged on all share transaction account (I.e purchases and sales.)
4. Forth example is "I bought a share to the value of $72000.
The broker charges 1.5% on the first $10000, 1.3% on the next $10000 and 1.1% on the next $10000 and 1.2% in excess of $13000.
Then I sell my shares at $75000.
(A) Find the brokerage fees that I must pay for this purchase.
(B) Find the profits after the brokerage fees.
(A) (1.5% x 10000) + (1.1% x 10000) + (1.2% x 59000)
= $968
(B) (1.5% x 10000) + (1.1% x 10000) + (1.2% x 62000)
= $1004
Profit = ($75000 - $72000) - 968 - 1004
= $1028
Future value and present value
In this lesson we're going to learn future value and present value. Future value is value later and present value is the current value.
To find the future value, you have to multiply the current value by (1 + r)^n. Therefore the formula is current value x (1 + r)^n. If we look at the formula, the formula looks same as the compound interest formula. The reason is the formula for compound interest formula is same as the formula we just learned, and FV = PV(1 + R)^n is the generalized form for the compound interest formula.
FV = PV(1 + R)^n
FV = Future value
PV = Present value
R = Rate
n = Number of years.
For example is "A person invests $500 at 8% paid half yearly. what's the future value after 7 years?"
Now we know the present value is $500 and only the concern is paid half yearly.
This is what we do. 8% is the annual rate so we divide into half.
= $657.96
Therefore the answer is $657.96.
To find the future value, you have to multiply the current value by (1 + r)^n. Therefore the formula is current value x (1 + r)^n. If we look at the formula, the formula looks same as the compound interest formula. The reason is the formula for compound interest formula is same as the formula we just learned, and FV = PV(1 + R)^n is the generalized form for the compound interest formula.
FV = PV(1 + R)^n
FV = Future value
PV = Present value
R = Rate
n = Number of years.
For example is "A person invests $500 at 8% paid half yearly. what's the future value after 7 years?"
Now we know the present value is $500 and only the concern is paid half yearly.
This is what we do. 8% is the annual rate so we divide into half.
500 x (1 + 0.04)⁷
= 500 x (1.04)⁷= $657.96
Therefore the answer is $657.96.
Wednesday, October 6, 2010
Compound interest
In this lesson we're going to learn about the compound interest. Compound interest is when you invest your money on bank etc, you get a interest from them for investing your money. Instead of simple interest is you have to give the bank a interest when you're borrowing money from them.
To find the compound interest, you have to add the principal by interest by the number of year OR
in easy and time consuming, you can do this:
A = P(1 + R)N
A = Total amount of interest.
P = Principal.
R = Rate.
N= number of years.
For example "Find the compound interest earned if $12000 is invested for 5 years at 14% p.a if interest is compounded yearly. Answer to the nearest cent."
First I'll show you the original way to find the compound interest.
$12000 + 14% x 12000
= $13680
$13680 + 14% x 13680
= $15595.20
$15595.20 + 14% x $15595.20
= $17778.53
$17778.53 + 14% x $17778.53
= $20267.52
$20267.52 + 14% x $20267.52
= $23104.97
I.e interest earned = $23104.97 - $12000
= $11104.97
OR
= $23104.97
I,e $23104.97 - 12000
= $11104.97
* The formula for compound interest can be used for inflation.
To find the compound interest, you have to add the principal by interest by the number of year OR
in easy and time consuming, you can do this:
A = P(1 + R)N
A = Total amount of interest.
P = Principal.
R = Rate.
N= number of years.
For example "Find the compound interest earned if $12000 is invested for 5 years at 14% p.a if interest is compounded yearly. Answer to the nearest cent."
First I'll show you the original way to find the compound interest.
$12000 + 14% x 12000
= $13680
$13680 + 14% x 13680
= $15595.20
$15595.20 + 14% x $15595.20
= $17778.53
$17778.53 + 14% x $17778.53
= $20267.52
$20267.52 + 14% x $20267.52
= $23104.97
I.e interest earned = $23104.97 - $12000
= $11104.97
OR
$12000 x ( 1 + 14%)⁵
= 12000 x ( 1.14)⁵= $23104.97
I,e $23104.97 - 12000
= $11104.97
* The formula for compound interest can be used for inflation.
Puchasing by installment
In this lesson we're going to learn purchasing by installment or buying on terms. This lesson will tell you how to pay the bill divided equally to pay every month. Everyday every person uses the monthly payment such as credit card bill, bank mortgage etc.
To find the monthly payment, first is you have to find the deposit.
Second is find the balance owing.
Third is use the formula I = P x R x N / 100
to find the interest on the balance.
Forth is find the total amount still owing. I.e Balance + interest.
Fifth is Divide the total amount owing by the number of months over it is repaid.
Also there are terms you guys must know.
1. Cash price: Amount of stuff is worth if it is paid immediately.
2. Deposit: Paying the part of the whole amount owing.
3. Balance: Amount of debt still owing after paying the part of it.
4. Monthly installment: Paying the part of the debt equally every month.
For example "Roebuck bought a new car which the price is $35649. Roebuck pays a deposit 20% and agrees to pay the balance over 6 years at 22% p.a. What is his monthly installment?"
We're going to do it by steps because we need to find the deposit, balance and interest on the balance.
1) Find the deposit.
20% x $35649
= 20/100 x $35649
= $7129.80
2) Find the balance.
$35649 - 7129.80
= $28519.20
3) Find the interest in the balance.
Interest = $35649 x 22% x 6 /100
= $470.57
4) Find the total amount still owing.
[Balance + interest]
Total amount = $28519.20 + $470.57
= $28989.77
5) Divide the total amount owing by number of months.
Monthly installment = $28989.77 / 72
= $402.64
* Monthly installment could be known as loans.
To find the monthly payment, first is you have to find the deposit.
Second is find the balance owing.
Third is use the formula I = P x R x N / 100
to find the interest on the balance.
Forth is find the total amount still owing. I.e Balance + interest.
Fifth is Divide the total amount owing by the number of months over it is repaid.
Also there are terms you guys must know.
1. Cash price: Amount of stuff is worth if it is paid immediately.
2. Deposit: Paying the part of the whole amount owing.
3. Balance: Amount of debt still owing after paying the part of it.
4. Monthly installment: Paying the part of the debt equally every month.
For example "Roebuck bought a new car which the price is $35649. Roebuck pays a deposit 20% and agrees to pay the balance over 6 years at 22% p.a. What is his monthly installment?"
We're going to do it by steps because we need to find the deposit, balance and interest on the balance.
1) Find the deposit.
20% x $35649
= 20/100 x $35649
= $7129.80
2) Find the balance.
$35649 - 7129.80
= $28519.20
3) Find the interest in the balance.
Interest = $35649 x 22% x 6 /100
= $470.57
4) Find the total amount still owing.
[Balance + interest]
Total amount = $28519.20 + $470.57
= $28989.77
5) Divide the total amount owing by number of months.
Monthly installment = $28989.77 / 72
= $402.64
* Monthly installment could be known as loans.
Tuesday, October 5, 2010
Piecework
In this lesson we're going to learn about piecework. Piecework is similar to the commission we learned previously. The meaning of piecework is payment for the amount of the work completed, instead of number of hours worked.
For example "A worker gets 55 cents for making a ring. Find the worker's weekly wage if makes 2134 rings."
$1 = 100c
i.e = 55c = 0.55
0.55 x 2134
= $1173.7
For example "A worker gets 55 cents for making a ring. Find the worker's weekly wage if makes 2134 rings."
$1 = 100c
i.e = 55c = 0.55
0.55 x 2134
= $1173.7
Paying/calculating the tax
In this lesson we're going to learn about taxation. Taxation is when you're an adult, you have to pay the money to the government, we call it tax. Tax is when end the end of the year or halfway through the year, the government collects taxes from each one of us. All those money that government collected it goes to hospitals, schools, military, economy, etc.
When you're paying the tax, there's a table for you. It's a table that how much tax you have to pay.
For example " I earned $56789 this year. I have the other incomes from investments, and bank interest of $6723. My total tax deductive is $1450. Find my taxable income, total income and tax payable in taxable income.
1) To find the total income:
$56789 + $6723 = $63512
2) To find the taxable income, total income - tax deduction
= $63512 - $1450 = $62062
3) To find the tax payable in taxable income, you have to use the table. The taxable income is $62062 so it's between $52001 and $62500.
The excess is $62062 - $52000 = $10062
Therefore $11772 + 42/100 x $10062
= $15998.04
Therefore the answer is $15998.04.
When you're paying the tax, there's a table for you. It's a table that how much tax you have to pay.
| Tax income From To | Income tax | ||
| $1 | $6000 | Nil. | |
| $6001 | $21600 | 17c for each $1 over $6000. | |
| $21601 | $52000 | $2652 plus 30c for each $1 over $21600. | |
| $52001 | $62500 | $11772 plus 42c for each $1 each over $52000. | |
| Over $62500 | $16182 plus 47c for each over $62500. | ||
For example " I earned $56789 this year. I have the other incomes from investments, and bank interest of $6723. My total tax deductive is $1450. Find my taxable income, total income and tax payable in taxable income.
1) To find the total income:
$56789 + $6723 = $63512
2) To find the taxable income, total income - tax deduction
= $63512 - $1450 = $62062
3) To find the tax payable in taxable income, you have to use the table. The taxable income is $62062 so it's between $52001 and $62500.
The excess is $62062 - $52000 = $10062
Therefore $11772 + 42/100 x $10062
= $15998.04
Therefore the answer is $15998.04.
Monday, October 4, 2010
Increasing and decreasing quantity by percentages
In this lesson we're going to learn increasing and decreasing quantities in percentage.
The way we're doing it is we add the amount for example 13%, and we add to 100%.
Way of decreasing the quantity is we subtract the amount we want for example 13%, from 100%.
1. Our first example is "Increase $560 by 13%.
[100% + 13% = 113%]
113% x $560
= 113/100 x 560
= 63280/100
= $632.80
Therefore the answer is $632.80.
2. Second example is "Decrease $78 by 14%.
[100% - 14% = 86%]
$78 x 86%
= 86/100 x $78
= 6708/100
= $67.08
3. Third example is "$900 is to be increased by 15% each month for the next 6 months. What will be the final amount?"
Firstly we add 12% to 100%. We just don't do it once in this question it says for 6 months so we add 12% to 100% 6 times.
Secondly we multiply 112% to $900.
(100 + 12) x 6
= 112% 112% x 112% x 112% x 112% x 112% x $900
= $1776.440417
= $1176
4. Forth and last example is "Decrease $300 by 12%, then increase the amount by 24%.
(100% - 12% = 88%)
(100% + 24% = 124%)
1) 88% x $300
= 88/100 x 300
= 26400/100
= $264
2) 124% x $264
= 124/100 x 264
= 32736/100
= $327.36
Therefore the answer is $327.36
The way we're doing it is we add the amount for example 13%, and we add to 100%.
Way of decreasing the quantity is we subtract the amount we want for example 13%, from 100%.
1. Our first example is "Increase $560 by 13%.
[100% + 13% = 113%]
113% x $560
= 113/100 x 560
= 63280/100
= $632.80
Therefore the answer is $632.80.
2. Second example is "Decrease $78 by 14%.
[100% - 14% = 86%]
$78 x 86%
= 86/100 x $78
= 6708/100
= $67.08
3. Third example is "$900 is to be increased by 15% each month for the next 6 months. What will be the final amount?"
Firstly we add 12% to 100%. We just don't do it once in this question it says for 6 months so we add 12% to 100% 6 times.
Secondly we multiply 112% to $900.
(100 + 12) x 6
= 112% 112% x 112% x 112% x 112% x 112% x $900
= $1776.440417
= $1176
4. Forth and last example is "Decrease $300 by 12%, then increase the amount by 24%.
(100% - 12% = 88%)
(100% + 24% = 124%)
1) 88% x $300
= 88/100 x 300
= 26400/100
= $264
2) 124% x $264
= 124/100 x 264
= 32736/100
= $327.36
Therefore the answer is $327.36
Holiday loadings
In this lesson we're going to learn about the holiday loadings. Have you ever thought someone is working on holidays? Have you ever thought is their pay's going to be same as the normal day pay?
Apparently the pay is different when you're working on holidays. Reason is there is another paying options for the workers who works on the holidays. It's called the holiday loadings, holiday loading is another paying method when the worker works on the holidays.
It's not like finding a normal pay times twice. Way to find the holiday loading is multiply the amount you earned on the normal week and multiply the percentage of wage then number of weeks worked.
1. Our first example is "Sam gets $456 per week. Find his holiday loading if he works for 5 weeks with his holiday loading with 17 1/2% loading?"
$456 x 17 1/2 /100 x 5 = $399
Therefore the answer is $399.
* Just in case if the question wants you to find the holiday loading and non-holiday loading, all you need to do is add the amount of the holiday loading and non-holiday loading.
Apparently the pay is different when you're working on holidays. Reason is there is another paying options for the workers who works on the holidays. It's called the holiday loadings, holiday loading is another paying method when the worker works on the holidays.
It's not like finding a normal pay times twice. Way to find the holiday loading is multiply the amount you earned on the normal week and multiply the percentage of wage then number of weeks worked.
1. Our first example is "Sam gets $456 per week. Find his holiday loading if he works for 5 weeks with his holiday loading with 17 1/2% loading?"
$456 x 17 1/2 /100 x 5 = $399
Therefore the answer is $399.
* Just in case if the question wants you to find the holiday loading and non-holiday loading, all you need to do is add the amount of the holiday loading and non-holiday loading.
Saturday, October 2, 2010
salary and wages
In this lesson we're going to learn salary and wages. Salaries and wages are same but they have a different definition. That means is similar but is different. Salary means fixed amount of money you earned per year.
Wage means amount of money you earned weekly.
A structure of salary or wage is like this. When you're working, there are normal wages, time and a half and double time.
Normal wage is rate of pay per hour multiplied by regular hours,
Time and a half is rate of pay per hour multiplied by overtime hours x 1.5.
Double time is rate of pay per hour x overtime hours x 2.
For example "I worked 48 hours per week I get $34 per hour. Calculate my wage if the time and a half is 6 hours, double time is 8 hours and regular hour is 34 hour.
Normal wage = $34 x 34 = $1156.
Time and a half = $34 x 6 x 1.5 = $306
Double time = $34 x 8 x 2 = $544
i.e 1156 + $306 + $544 = $2006.
In normal wage, we multiply the normal hour by the rate of pay.
On time and a half, we multiply the rate of pay, number of hours of the time and a half and 1.5.
Lastly on double time, we multiply the rate of pay, number of hours of the double time and 2.
Wage means amount of money you earned weekly.
A structure of salary or wage is like this. When you're working, there are normal wages, time and a half and double time.
Normal wage is rate of pay per hour multiplied by regular hours,
Time and a half is rate of pay per hour multiplied by overtime hours x 1.5.
Double time is rate of pay per hour x overtime hours x 2.
For example "I worked 48 hours per week I get $34 per hour. Calculate my wage if the time and a half is 6 hours, double time is 8 hours and regular hour is 34 hour.
Normal wage = $34 x 34 = $1156.
Time and a half = $34 x 6 x 1.5 = $306
Double time = $34 x 8 x 2 = $544
i.e 1156 + $306 + $544 = $2006.
In normal wage, we multiply the normal hour by the rate of pay.
On time and a half, we multiply the rate of pay, number of hours of the time and a half and 1.5.
Lastly on double time, we multiply the rate of pay, number of hours of the double time and 2.
Discount and commission
In this lesson we're going to learn discount and commission. The meaning of discount is when they drop the price from the usual price. The meaning of commission is when the salespeople who sells cars, houses, etc they get a pay from the percentage how much they sold.
Discount is mostly shown in percentages. When you're calculating the discount price, then you have to subtract from the normal price. To find the commission, you just have to multiply the percentage from amount it's sold.
1. Our first example is "A pizza shop offers a discount of 45% on all pizzas at end of winter. How much do you have to pay for a pizza which it normally sells at $25?"
First is we have to find the 45% of $25.
45/100 x $25 = $11.25
Second is we're going to subtract $11.25 from $25.
$25 - $11.25 = $13.75.
Therefore the answer is $13.75.
2. Second example is " A car salesperson receives 12% commission on the amount of car he sells. In one sale, he sells a car that the price is $95000. How much commission will he get paid?"
In this question we just have to percentage multiplied by $95000.
During the calculation, if you want to simplify easier later, you can erase two zeroes from 100 and $95000.
12/100 x 95000 = 12/1 x 950 = $11400.
Therefore the answer is $11400.
Discount is mostly shown in percentages. When you're calculating the discount price, then you have to subtract from the normal price. To find the commission, you just have to multiply the percentage from amount it's sold.
1. Our first example is "A pizza shop offers a discount of 45% on all pizzas at end of winter. How much do you have to pay for a pizza which it normally sells at $25?"
First is we have to find the 45% of $25.
45/100 x $25 = $11.25
Second is we're going to subtract $11.25 from $25.
$25 - $11.25 = $13.75.
Therefore the answer is $13.75.
2. Second example is " A car salesperson receives 12% commission on the amount of car he sells. In one sale, he sells a car that the price is $95000. How much commission will he get paid?"
In this question we just have to percentage multiplied by $95000.
During the calculation, if you want to simplify easier later, you can erase two zeroes from 100 and $95000.
12/100 x 95000 = 12/1 x 950 = $11400.
Therefore the answer is $11400.
Friday, October 1, 2010
Finding a quantity when given in percentage of it
In this lesson we're going to learn finding a quantity when given in percentage. In some question, you need to find the original quantity in percentage that's one we're going to have a look today. Also this also called the unitary method.
1. Our first example is "If 7% of an amount is $56, what is the total amount?"
7% of an amount = $56 We divide by 7 equally.
1% if an amount = $8. Then we multiply by 100 equally.
100% = $800
2. Second example is "Jake spend 25% of his total savings on a new game console which it cost $360. What was his original saving?"
25% = $360 We divide by 25 equally.
1% = 14.4 Then multiply it by 100 equally.
100% = $1440
1. Our first example is "If 7% of an amount is $56, what is the total amount?"
7% of an amount = $56 We divide by 7 equally.
1% if an amount = $8. Then we multiply by 100 equally.
100% = $800
2. Second example is "Jake spend 25% of his total savings on a new game console which it cost $360. What was his original saving?"
25% = $360 We divide by 25 equally.
1% = 14.4 Then multiply it by 100 equally.
100% = $1440
Simple interest
In this lesson we're going to learn how find the simple interest. When you're finding a simple interest, you need to know the amount you're borrowing, the interest rate and the time you have to pay. The use of simple interest is when you invest money in the bank savings account or when you borrowed money from the bank.
When you're finding an interest, there's a formula for finding an interest.
I = PRT
I = Interest
P = Principal
R = Rate
T = Years
1. Our first example is "Miller borrowed $600 from bank. How much does he have to pay the interest if he has to pay for 5 years and the rate is 15%?"
Now we use the formula: 600 x 15/100 x 5
= 600 x 15/100 x 5
= $450
Therefore the answer is $450.
2. Second example is " Sullivan deposits $3000 in his bank savings account which pays interest at 34%.
How much interest will he get after 7 months?"
In this case, 7 month is 7/12, reason we're doing like this is we can't just times 1 year, we have to be very accurate so we put 7 month on the numerator and 12 months equals to 1 year so we put 12 on the denominator.
i.e 3000 x 34% (34/100) x 7/12
= $595
* When the amount of time is in months like in example 2, put the number of the months on numerator which is given in the question and put 12 months in denominator. Just letting you know if you're changing to the other unit, it needs to be equal.
When you're finding an interest, there's a formula for finding an interest.
I = PRT
I = Interest
P = Principal
R = Rate
T = Years
1. Our first example is "Miller borrowed $600 from bank. How much does he have to pay the interest if he has to pay for 5 years and the rate is 15%?"
Now we use the formula: 600 x 15/100 x 5
= 600 x 15/100 x 5
= $450
Therefore the answer is $450.
2. Second example is " Sullivan deposits $3000 in his bank savings account which pays interest at 34%.
How much interest will he get after 7 months?"
In this case, 7 month is 7/12, reason we're doing like this is we can't just times 1 year, we have to be very accurate so we put 7 month on the numerator and 12 months equals to 1 year so we put 12 on the denominator.
i.e 3000 x 34% (34/100) x 7/12
= $595
* When the amount of time is in months like in example 2, put the number of the months on numerator which is given in the question and put 12 months in denominator. Just letting you know if you're changing to the other unit, it needs to be equal.
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