រូបមន្តខ្លះៗក្នុងការគណនា Excel/some of easy formula to calculate in Excel:
Sunday, August 2, 2015
Tuesday, July 21, 2015
ស្ថានភាពនៅក្នុងដែនសមុទ្រចិនខាងត្បូង កាន់តែមានភាពតានតឹង ដែលជាកម្រិតមួយដ៏គ្រោះថ្នាក់បំផុត
តើពិភពលោកនឹងទៅជាយ៉ាងណា បើមហាអំណាចនៅតែបន្តដាក់សម្ពាធដាក់គ្នាយ៉ាងនេះ? ចំណែកឯចិនបានពង្រឹងដែនឥទ្ធិពលរបស់ខ្លួនក្នុងដេនសមុទ្រចិនខាងត្បូង ដែលចិនតែងអះអាង ថាជាដែនទឹករបស់ខ្លួន។ ភាពតានតឹងក្នុងដែនសមុទ្រចិនខាងត្បូងត្រូវបានគេមើលឃើញថា បានឈានដល់កម្រិតមួយដ៏ គ្រោះថ្នាក់បំផុតដែលជាកើតចេញពីការប្រជែងគ្នារវាងមហា អំណាច របស់ពិភពលោកទាំងពីរគឺចិន និង អាមេរិក។
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ការបញ្ជូនយន្តហោះឈ្លបការណ៍របស់អាមេរិកដឹកនាំដោយលោកមេបញ្ជាការកងនាវាចរណ៍ប្រចាំតំបន់ប៉ាស៊ីហ្វិកលោក Admiral Scott Swift កាលពីថ្ងៃទី ១៨ កក្កដាកន្លងទៅនេះនៅលើតំបន់មានជ ម្លោះក្នុងដែនសមុទ្រចិនខាងត្បូង បានបង្កើនភាពតានតឹងបន្ថែមទៀតក្រោមការប្រឆាំងដាច់ខាតពីរ ដ្ឋាភិបាលទីក្រុងប៉េកាំង។
ជាការឆ្លើយតបទៅនឹងសកម្មភាព របស់រដ្ឋាភិបាលទីក្រុងវ៉ាស៊ីនតោនខាងលើក្រសួងការពារជាតិ ចិនបានបញ្ជាក់ថា ទង្វើរបស់អាមេរិកបានធ្វើឲ្យប៉ះពាល់យ៉ាងធ្ងន់ធ្ងរដល់ទំនាក់ទំនងរវាង រដ្ឋាភិ បាលប្រទេសទាំងពីរ និងបានធ្វើឲ្យប៉ះពាល់ដល់ផលប្រយោជន៍របស់ចិនផងដែរ។ ក្រសួងដដែល បានបន្ថែមទៀតថា សកម្មភាពនេះទំនងអាចបណ្ដាលឲ្យមានឧបទ្ទវហេតុប៉ះទង្គិច គ្នាណាមួយ តាមផ្លូវទឹក និង ដែនអាកាសនៅពេលខាងមុខ។
Thursday, July 16, 2015
How to calculate your loan interes.
Before you take out a bank loan, you have to know how your interest rate is calculated. There are numerous routines banks utilization to compute interest rates and every system will change the measure of interest you pay. On the off chance that you know how to compute interest rates, you will better comprehend your loan contract with your bank. You are likewise in a superior position to arrange your interest rate with your bank. Banks will cite you the compelling rate of interest. The compelling rate of interest is otherwise called the yearly rate (APR). The APR or compelling rate of interest is unique in relation to the expressed rate of interest. Banks additionally attach your interest rate to a benchmark, for the most part the prime rate of interest.
Sunday, June 7, 2015
Why do you need to buy "Vehicle INSURANCE"?
There are more than 6 million car accidents in the U.S. every year, all things considered, by from the National Highway Traffic Safety Administration. That is a geeky method for saying that accidents happen. Presently envision a world without car insurance. Every time you take the lavish machine out for a twist, you're basically taking a chance with your ledger and some or the majority of your advantages.
An accident is more than a disservice. All things considered, the normal property harm expense of a car accident in 2012, as per the National Safety Council, was $8,900. What's more, that is excluding accidents that cause handicapping wounds, which arrived at the midpoint of out to $72,700 per crash.
A car insurance strategy shields your funds from these cosmic (and sudden) costs. Beside helping you with the expense of an accident, your car safety net provider can help secure you (and your benefits) from obligation claims through your arrangement's risk scope.
An arrangement that incorporates risk scope with high breaking points, exhaustive and impact scope for your car, and therapeutic installments scope for you and your travelers can spare you thousands after an accident (which was, as it would turn out, an accident).
2. sparing time and hindrance when accidents happen
In the event that you have car insurance, your safety net provider's aptitude will help you through the unsavory post-accident procedure, such as living up to expectations with another driver's guarantor, strolling you through the cases procedure, helping you locate an extraordinary repair shop, and getting your case settled rapidly and reasonably. What's more, on the off chance that you hit a famous obstruction (like getting into an accident with a uninsured driver), your insurance organization can help you recoup costs through your approach's uninsured driver scope.
Accidents are sufficiently hard without needing to go only it.
3. peace of brain for you, a driving stud
There is a decent amount of driving duds out there, as well. Also, car insurance offers money related security from the driving oversights of others.
Possibly you're a regarded researcher of activity law. Perhaps you have stellar dexterity. Perhaps you've never been in a car accident and are ostensibly the best driver on the planet. By definition, that would imply that every single other driver are more awful. Furthermore, there are a considerable measure of drivers out there. A dependable car insurance approach shields you from the red-light texter, the neglectful garage leaver, the make-up-applying quick leaner, and the end-of-the-rope street ranger.
Since drivers are so capricious, you just never know when an unavoidable accident could happen. Insurance exists to shield you from that situation.
4. car insurance can supplement your well being insurance
In case you're harmed in a car accident and have lacking well being insurance (or none by any means), car insurance can offer assistance. Most guarantors offer scopes that cover wounds you support as a driver or traveler (and in a few states, individual damage assurance scope is needed).
Regardless of the fact that you do have well being insurance, car insurance can help pay for things your restorative scope may not — potentially including care for accident-related wounds, dental work, burial service expenses, or broadened nursing care amid your recovery.
Discover all the more about medicinal related scopes.
5. its commonly the law
What's more, contravening the law is awful. Most states oblige its drivers to carry a base measure of car insurance as obligation scope or budgetary obligation bonds. Indeed, even New Hampshire obliges you to post a bond that demonstrates your capacity to pay for potential post-accident costs.
Furthermore, since insurance is generally legitimately obliged, driving without it can be punished with fines and the suspension of driving benefits. A few states may even seize your ride. So unless you're a cheerful cyclist preparing for the Tour de France, a suspended permit might truly toss a wrench into your day by day drive.
What is "Vehicle INSURANCE"?
Vehicle insurance (otherwise called, GAP insurance, auto insurance, or engine insurance) will be insurance bought for autos, trucks, motorcycles, and other street vehicles. Its essential utilization is to give monetary insurance against physical harm and/or substantial damage coming about because of car accidents and against obligation that could likewise emerge there from the particular terms of vehicle insurance change with lawful regulations in every locale. To a lesser degree vehicle insurance might furthermore offer money related insurance against robbery of the vehicle and potentially harm to the vehicle, maintained from things other than car accidents
An arrangement acquired by vehicle owners to moderate expenses connected with getting into a car crash. As opposed to paying out of pocket for car crashes, individuals pay yearly premiums to a collision protection organization; the organization then pays all or the vast majority of the expenses connected with a car crash or other vehicle harm.
Saturday, June 6, 2015
The benefit of HEALTH INSURANCE
Indeed, even healthy individuals need health insurance. Having a health arrangement aides look after – and may even enhance – the health and wellbeing of you and your gang. Furthermore, it may help in the occasion of a mischance or sickness.
Secure your health and plan for the unforeseen
You never know when a disease or mishap may happen. That is the reason, under the health change law, practically everybody needs to have health insurance, or pay a punishment.
When you have health insurance, your arrangement may pay some of your therapeutic expenses. Also you're urged to look for routine preventive consideration which may help you abstain from adding to a disease or health condition, or discover it at a prior stage when its frequently more treatable.
Health insurance costs cash – however not having it could cost a considerable measure more. Unforeseen therapeutic needs, consolidated with high health consideration expenses, could abandon you with hospital expenses in case you're not safeguarded. Having health insurance scope can help lessen sudden restorative expenses.
It's difficult to know the amount you'll spend on health mind every year. In any case, having health insurance helps pay for sudden, costly medicinal expenses. It additionally helps you pay for regular administrations like yearly registration, suggested health screenings and preventive consideration administrations.
Under the health change law, it may cost you cash on the off chance that you don't have health insurance. In 2015, the punishment is 2% of your wage or $325 per individual in your family (greatest of $975), whichever is higher.*
Health and health instruments and assets
Numerous health insurance arranges likewise offer benefits, assets and instruments to help you and your family get and stay healthy. Make certain to audit your arrangement materials and exploit all the instruments and projects adver
Friday, June 5, 2015
Why do you need to buy Health INSURANCE?
Unless you've been living under a stone, you realize that President Barack Obama has marked a health-consideration charge that contains a few historic point changes to the country's health insurance framework. A few sections of the Affordable Care Act sound incredible: Insurers will never again have the capacity to deny scope for previous conditions, and youthful grown-ups will be permitted to remain focused folks' health arranges until the age of 26.
Others sound less great. Uninsured individuals will need to purchase health insurance—a strategy known as the "individual command"—or pay a fine. Some of those individuals will meet all requirements for Medicaid (which will be extended under the new law), and some may decide to get tied up with their superintendents health-consideration arranges. Most, in any case, will need to choose a private insurance arrange through new, state-run insurance commercial centers (known as trades).
Q. Why is the prerequisite to buy insurance a vital element of health change?
The individual order goes live in 2014 (open enlistment begins in October 2013), and it has created a few genuine debate. More than twelve state lawyers general have tested it as illegal and an infringement on state sway, and a few individuals have proposed that the fines—which are as low as $95 in the first year—won't induce individuals to purchase an insurance arrange for that may be much more extravagant.
What will the individual command mean for you? Will it really work?
To figure out, we asked Michael Doonan, PhD, a collaborator teacher at the Heller School for Social Policy and Management at Brandeis University, in Waltham, Mass., and creator of American Federalism in Practice: The Formulation and Implementation of Contemporary Health Policy. The purchase insurance-or-pay arrangement is firmly displayed on the particular case that produced results in Massachusetts in 2006 as a component of the states health-consideration change. Doonan has concentrated on the individual order in his home state broadly, and has recommended that the involvement in Massachusetts holds numerous lessons for the national form.
Q. Why is the prerequisite to buy insurance a vital element of health change?
An: Ending previous condition avoidances and obliging health insurance organizations to give insurance to all takers would be troublesome without the command. On the off chance that individuals knew they could get scope for a disease at whatever time, they may very well hold up until they were debilitated to sign up. Having a noteworthy number of individuals paying premiums just when theyre wiped out would bring about health-care premiums to spike and would be a fiasco for the American health-care framework.
The command will prompt more healthy individuals being secured, and adding these individuals to the health insurance "danger pool" will hypothetically bring down the per-individual expense of insurance. Who's purchasing individual health insurance strategies at this moment? Individuals who believe they're going to need health insurance. Subsequently, expenses are super high. Thus in the event that you say, "Okay, healthy individuals, you have to hop into that pool," then those expenses will be brought down.
Previous Massachusetts senator Mitt Romney made the contention [for a mandate] taking into account the idea of individual obligation. For instance, on the off chance that somebody is uninsured, however gets into an auto crash, despite everything they get care. What's more, on the off chance that they can't pay, the expenses are gone along in higher premiums to everybody who is
