Make your portfolio website show up for just the right audience. If you are using assistive technology and need help accessing these PDFs in another format, contact Services for Students with Disabilities at 212-713-8333 or by email at ssd@info.collegeboard.org. ePortfolio Examples. Please note that the Sustained Investigation and the Range of Approaches sample sections are from two different students’ portfolios. Say you compare an investment that pays 5% per year with one that pays 5% monthly. Collect samples of your work. You need to have a couple of different examples of your work represented as well as figure drawings that will demonstrate your ability to represent three dimensions on a two dimensional surface. The person looking at your portfolio wants to see how you think and create, so show them your pen and ink sketches or your charcoal drawings. While a couple of the portfolios are broadly invested, I think all can continue to beat the stock market over the long-term. Download sample portfolios from prior assessments along with scoring guidelines and scoring distributions. Significantly, the APR does not account for compounding. APR also runs into some trouble with adjustable-rate mortgages (ARMs). Brent Warr. Discuss the samples with your students to help them learn how and why each sample demonstrates a specific score. The term “annual percentage rate (APR)” refers to the annual rate of interest charged to borrowers and paid to investors. Because the interest rate on an ARM is uncertain once the fixed-rate period is over, APR estimates can severely understate the actual borrowing costs if mortgage rates rise in the future. "Truth in Lending." A fixed APR loan has an interest rate that is guaranteed not to change during the life of the loan or credit facility. Definitions of APR outside of the United States may be quite different.   For example, if a credit card has an APR of 10%, you might pay roughly $100 annually per $1,000 borrowed. Morningstar's 2020 Portfolio Tuneup is designed to help troubleshoot those problem spots and put your portfolio on track for the year ahead. Are you looking for some example teacher portfolios? A standard portfolio by the average creator often costs between $30 and $120 (depending on their level of experience). She currently serves as communications specialist for NRG Energy, Inc. She earned her bachelor's degree in mass communication from Louisiana State University. Sometime described as a fail-safe or bullet proof portfolio. Loans offered to those with excellent credit carry significantly lower interest rates than the rates charged to those with bad credit.. Megan Talley is a public relations professional in Houston, Texas. The nominal rate may be lower on your mortgage if you don’t account for closing costs, insurance, and origination fees. For more in-depth information on course content and skills, download the AP Art and Design Course and Exam Description (CED).. Her homepage is essentially one large Wix Pro Gallery where she beautifully displays her photos in the highest quality available online. The costs and fees are spread too thin with APR calculations for loans that are repaid faster or have shorter repayment periods. But for the second, the APY is 5.12%, reflecting the monthly compounding. Check some model portfolio examples to get inspired: 1) Nichelle Amber. What is a portfolio? Now, if you were to charge a different $1,000 item to your card every day and waited until the day after the due date (when the issuer started levying interest) to start making payments, you’d owe $1,000.6273 for each thing you bought. Combine PDFs into a single PDF file, cover page is first. Respond to the question you are asked and provide a specific example. These samples represent typical student work at score points 2-6 on a 6-point scale, when evaluated using the 2017-18 exam scoring guidelines. However, it is possible to create one that is not so flashy but will still highlight your achievements and experience: 4) Safi Niang. APR in the U.S. is typically presented as the periodic interest rate multiplied by the number of compounding periods per year. Explain the relevance of the document to the example you have shared. If your card issuer assumes 365 days in each year for billing calculations, your daily periodic rate would be .034% (which is 0.1225 divided by 365). Compound interest is the interest on a loan or deposit calculated based on both the initial principal and and the accumulated interest from previous periods. Hello: Thank you for sharing this update to the APR process. Here’s what a personal loan is, how it works, and how to use one. Instead, you’d want to use samples that demonstrate your political expertise, interviewing prowess and objective approach. Estimates always assume a constant rate of interest, and even though APR takes rate caps into consideration, the final number is still based on fixed rates. 60 Clean and Simple Examples of Portfolio Design January 23, 2013 in Inspiration by Carol Francis For many professionals, their online portfolio is the first point of contact for a prospective client, so it is important that it gets their message across in the correct tone for their business. Example 4 In another example, we see a portfolio that only has images, with no titles or structured organization. You can learn more about the standards we follow in producing accurate, unbiased content in our. Top Model Portfolio Examples. Welcome to the Auburn University ePortfolio Examples page. Interest is the monetary charge for the privilege of borrowing money, typically expressed as an annual percentage rate. Bootstrap 4 portfolio and resume themes that are fully designed and ready to modify and publish - perfect for quickly setting up a personal portfolio website or online resume Student ePortfolio Examples. Accessed Aug. 12, 2020. That’s because the calculations assume long-term repayment schedules. a professional portfolio while I was attending ANC. Student portfolio samples. Accessed Aug. 12, 2020. 2. Encourage your students to visit the AP Drawing student page for portfolio information and portfolio samples. Please display the images in a large format (e.g., using a digital projector) so work can be clearly viewed in detail. However, if you carry that balance for the year, your effective interest rate becomes 25.7% as a result of compounding each day. If you're just getting started, you may want to include samples from school projects rather than something you produced at work. size, media, and student commentary in Sustained Investigation sections), scoring commentary written by exam evaluators, describing how the work aligns with scoring guidelines. 12+ Best Architecture Portfolio Website Examples for Inspiration Anisha Singh on Sep 23, 2020 7 min read Whether you are an established architect or an emerging interior designer, you must create a professional portfolio website that showcases your work and profile. Below are links to ePortfolios from Auburn students and alumni. Example #2. Feeling the need to stand out after finishing university, Charlotte Allen decided to … Example of Stock Portfolio (8/3/2005 to 3/28/2008) Back Testing 8/3/2005 to 8/3/2007 Forward testing 8/3/2007 to 3/28/2008 Portfolio: DIA, EWH, GLD, QQQQ, XLE and XLB (daily charts) Initial Account Size: $7,000 Net Profit: $5,053 • Select 6 stocks from ETFs • Each stock started trading with $1,000 • $20 deducted as cost per trade Our … : How Your Credit Card APR and Interest Charges Are Determined, PART 1030—TRUTH IN SAVINGS (REGULATION DD). The Breadth section of the AP Studio Art portfolio is a great chance to brush up on skills and experiment. Take inspiration from the list of art portfolio samples that we have put together in this article so you can have a faster and easier time to develop your art portfolio. 2018 Portfolio Norming Session Materials: Hi all! For the first, the APY equals 5%, the same as the APR. Because the APR isn’t always an accurate reflection of the total cost of borrowing, it may actually understate the total cost of a loan. What Does a Great ePortfolio Look Like? Experian.com. "What Is APR and How Does It Affect Me? Rubric. An APR may not reflect the actual cost of borrowing because of the fees that are included or excluded. For example, if you’re seeking opportunities to cover politics, it wouldn’t make a lot of sense to fill your portfolio with soft, feature pieces, even if they’re great writing. Of course, these should be of no practical use for anyone following most of our techniques properly. The following example investment portfolios are all based on real, live clients who with bond portfolios. Our 50/50 portfolio yields a generous 7.4%. Note: These resources were developed prior to the 2019-20 course and portfolio … Portfolio Overview. Sample Portfolio B (Active)consists of those investment options that have passed the most quantitative criteria, as outlined in ADP’s Investment Policy Statement, in their respective asset categories. A few samples from my CAD portfolio including drawings from AutoCAD, SolidWorks, Inventor, and Revit. Banks also charge high-rate penalty APRs to customers for late payments or violating other terms of the cardholder agreement. Note: These resources were developed prior to the 2019-20 course and portfolio … Accessed Aug. 12, 2020. Interest Rate . E-mail: Open the Bond Immunization program to generate the examples in Section IV, and to construct your own examples of target-date immunization. Portfolio 2. Decide which works to include (7-12 is average). Gather/Organize your works together in one place. Readings and Suggested Practice Problems BKM, Chapter 16, Sections 16.1-16.3 Suggested Problems, Chapter 16: 16-18. 3) Alondra Alberti. As we don’t have any specific recommendation regarding the ideal image size, please read this community thread where you can find discussions regarding this meter from other community members, and please read this help article for more useful information about profile portfolio. Example 4 Global minimum variance portfolio for example data Using the data in Table 1, we can use R to compute the global minimum variance portfolio weights from (1.8) as follows: 1.1 PORTFOLIOS WITH THREE RISKY ASSETS 9 > top.mat = cbind(2*sigma.mat, rep(1, 3)) In fact, it may understate the actual cost of a loan. •Since 26 April 2013, the following templates evolved from AHPRA •All nurses and midwives must keep written documentation that demonstrates continuing professional development per registration year. The rate is calculated by multiplying the periodic interest rate by the number of periods in a year in which the periodic rate is applied. Portfolio 1. A single formula for calculating interest rate was established for all EU member nations, although individual countries have some leeway over determining the exact situations in which this formula is to be adopted above and beyond EU-stipulated cases. There are several reasons to build a portfolio. Its a compendium of materials that demonstrate your expertise in public relations Its used to show potential employers that you know what youre doing That’s because the nominal interest rate doesn’t account for any other expense accrued by the borrower. Summer PR 2.0 Internship with Hai Media Group (2009) I have gained a practical knowledge of the PR Industry with the Hai Media Group (HMG). As part of your portfolio, you may also need to write a portfolio essay conclusion. Even young students can make portfolios. We encourage you to use these samples to understand how AP Studio Art portfolios are evaluated. You can create examples of your work just for your portfolio, but don't go overboard. APR is also the annual rate of interest paid on investments without accounting for the compounding of interest within that year. An annual percentage rate is expressed as an interest rate. Check out these beautiful photography portfolio examples all created on Wix. You might ask yourself why I need to build a portfolio. Accessed Aug. 12, 2020. Best 0% APR Credit Cards. We will plot the Efficient Frontier based on the return data for these stocks and then take a line which starts at 1.5 on the Y-axis and is tangential to this Efficient Frontier. It calculates what percentage of the principal you’ll pay each year by taking things such as monthly payments into account. Lisa’s portfolio lets her stunning photos do all the talking. Here’s an example of a 4th grade writing portfolio. Megan Talley is a public relations professional in Houston, Texas. Credit card companies are allowed to advertise interest rates on a monthly basis, but they must clearly report the APR to customers before they sign an agreement.. These selections serve as definitive examples of student work aligned with the given score point. Place the items back in your portfolio at the end of the interview. Accelerated Resolution Program (ARP): A program designed to reduce the time and cost of resolving failed financial institutions. Note: These resources were developed prior to the 2019-20 course and portfolio … A sample template is provided to assist nurses and midwives in the documentation of their CPD. Experian.com. Elementary student portfolio examples. The annual percentage yield (APY) is the effective rate of return on an investment for one year taking into account the effect of compounding interest. These include white papers, government data, original reporting, and interviews with industry experts. Lenders and credit card providers are allowed to represent APR on a monthly basis, though, as long as the full 12-month APR is listed somewhere before the agreement is signed. Need a simple, easy-to-create portfolio? Environmental Design. Developmental Portfolio (or working portfolios) Samples of independent work (initial work compared to more current work) Evaluations by teacher, peer, self Reflections on the growth over a period of time (e.g., “I used to be unsure about punctuation, "What Is APR and How Does It Affect Me? A lender may charge one APR for purchases, another for cash advances, and yet another for balance transfers from another card. Investopedia requires writers to use primary sources to support their work. Portfolios can relate to specific academic fields or your lifelong learning. The daily periodic rate, on the other hand, is the interest charged on a loan’s balance on a daily basis—the APR divided by 365. I know! Ahsan, who must decide between two credit cards: Card C with 2.5% monthly charge and Card D with 7.1% quarterly charge. Plus easy slide shows, lots of storage, and a media library right at your fingertips. You can create examples of your work just for your portfolio, but don't go overboard. For example, if the APR is 36%, the percentage is 3% per month, but the interest rate or cost of funds for the entire year may be greater than 36% due to the effects of compounding. There are other fees that are deliberately excluded, including late fees and other one-time fees. The APR provides consumers with a bottom-line number they can easily compare with rates from other lenders.. If you are using assistive technology and need help accessing these PDFs in another format, contact Services for Students with Disabilities at 212-713-8333 or by email at ssd@info.collegeboard.org. In this case your APY or EAR would be 25.7%: ((1+.0006273)365)−1=.257\begin{aligned} &( ( 1 + .0006273 ) ^ {365} ) - 1 = .257 \\ \end{aligned}​((1+.0006273)365)−1=.257​. For example, if you were considering a mortgage loan for $200,000 with a 6% interest rate, your annual interest expense would amount to $12,000, or a monthly payment of $1,000. 3. A personal loan allows you to borrow money and repay it over time. It fully depends on the casting director and the type of portfolio you will need created. : How Is APR Calculated for Loans? Using the links below, peruse the student work and create an evidence and interpretation log. In this list, you’ll find some of the best graphic design portfolio examples for your inspiration. IT Portfolio Manager Nike Resume Examples & Samples Development and continuous improvement of the Portfolio execution processes & standards, seeking contributions from Project Managers, Application and Infrastructure development teams, to ensure that the standards meet best practice She currently serves as communications specialist for NRG Energy, Inc. She earned her bachelor's degree in mass communication from Louisiana State University. The first one is a technically elaborate example (created with Flash). : Types of Credit Card APRs." If you carry that balance for the year, your effective interest rate becomes 12.68%. Below are examples of student-teacher portfolios. It does not indicate how many times the rate is applied to the balance. In another example, XYZ Corp. offers a credit card that levies interest of 0.06273% daily. 70% Vanguard Total World Stock Index (VTWSX, VT) 30% Vanguard Total Bond Market Index (VBMFX, BND) Three-Fund Portfolio. for nurses with which to collate their portfolios. As an added bonus, we also listed some graphic design portfolio templates that you can use to quickly setup a portfolio website of your own. The Accelerated Resolution Program (ARP) is … The more often the interest is compounded, the greater the return will be. 2 Million+ Digital Assets, With Unlimited Downloads. By bestfolios.com — collecting the best designer portfolio websites, resumes and design resources.. “10 Student Portfolios Done Right — 2019” is published by bestfolios.com in Bestfolios. Foundations of Finance: Bond Portfolio Management 2 I. Create a simple cover page. : How Is APR Calculated for Loans?" : Types of Credit Card APRs, What Is APR and How Does It Affect Me? Choose samples that are recent, showcase your skills, and generally make you look good. If you are using assistive technology and need help accessing these PDFs in another format, contact Services for Students with Disabilities at 212-713-8333 or by email at ssd@info.collegeboard.org. Add 3.25% to 9% to arrive at your APR of 12.25%. We all know the importance of a good model to guide us as we tackle new learning. Multiply that by 365, and that’s 22.9% per year, which is the advertised APR. That effectively increases the balance to $10,100. These samples represent typical student work at score points 2-6 on a 6-point scale, when evaluated using the 2017-18 exam scoring guidelines. Experian.com. For example, let’s assume that the prime rate is 3.25%, and your card’s APR is the prime rate plus 9%. While an APR only accounts for simple interest, the annual percentage yield (APY) takes compound interest into account. Lisa Michele Burns. The interest rate is the amount charged, expressed as a percentage of the principal, by a lender to a borrower for the use of assets. Evidence may include writing samples, photos, videos, research projects, observations by mentors and … Extensive training using the samples prepares evaluators to score accurately and consistently, applying the scoring guidelines to objectively analyze student work. Office of the Comptroller of the Currency. AP Studio Art 2-D Student Samples: Portfolio Exam Sections, 2020 AP with WE Service Scholarship Winners, AP Computer Science A Teacher and Student Resources, AP English Language and Composition Teacher and Student Resources, AP Microeconomics Teacher and Student Resources, AP Studio Art: 2-D Design Teacher and Student Resources, AP Computer Science Female Diversity Award, Learning Opportunities for AP Coordinators, Accessing and Using AP Registration and Ordering, Access and Initial Setup in AP Registration and Ordering, Homeschooled, Independent Study, and Virtual School Students and Students from Other Schools, Schools That Administer AP Exams but Don’t Offer AP Courses, Transfer Students To or Out of Your School, Teacher Webinars and Other Online Sessions, Implementing AP Mentoring in Your School or District, images of the student’s work submitted for assessment, information the student provided about the work (e.g. If you end up rolling these into your mortgage, your mortgage balance increases, as does your APR. One-Fund Portfolio. Hi Milos, Welcome to Upwork! What do portfolios contain? Each year in preparation for portfolio evaluation, the AP Studio Art leadership team selects samples from submitted portfolios. Watch the video below for a walk-through of an excellent ePortfolio and explanation of what makes it great. An ePortfolio (electronic portfolio) is an electronic collection of evidence that shows your learning journey over time. Online portfolios are all about appearances. This includes any fees or additional costs associated with the transaction, but it does not take compounding into account. Each sample … APR is expressed as a percentage that represents the actual yearly cost of funds over the term of a loan or income earned on an investment. Charlotte Allen. If you prefer a dark color scheme, try the Fusion Dark Portfolio template. And here are 2 more student portfolio samples. An annual percentage rate (APR) is the annual rate charged for borrowing or earned through an investment. Imagine that a loan’s APR is 12%, and the loan compounds once a month. The European Union (EU) focuses on consumer rights and financial transparency in defining this term. 2) Jenny Valle. As a result, a loan’s APY is higher than its APR. The first one is made in Bulbapp, while the second one was created with Flipsnack. Apache ECharts is an effort undergoing incubation at The Apache Software Foundation (ASF), sponsored by the Apache Incubator. The advertised rate, or nominal interest rate, is used when calculating the interest expense on your loan. To conduct an effective performance review, it’s important to deliver a positive and solution-focused message. The opposite happens when the bank acts as the lender and tries to convince its borrowers that it’s charging a low rate. Suppose we want to combine a risky portfolio having only BestBuy and AT&T stocks and a risk-free asset with a return of 1%. Two-Fund Portfolio. Financial institutions must disclose a financial instrument’s APR before any agreement is signed. It can be part of your third body paragraph. This folder contains examples of my work. : How Your Credit Card APR and Interest Charges Are Determined." Angela, who must choose between two payday loans, each for $3,000 and 14-days: Loan A with financial charge of $100 payable at the end of 14th day and Loan B with finance charge of $90 deducted from the principal balance at the start of the loan. Download sample portfolios from prior assessments along with scoring guidelines and scoring distributions. Name the file “1stName_LastName_Portfolio” E.g. Amber Xu. Yes, it works sometimes, and you can see it from the examples featured in this article, but it seems, as expected, the main focus of most portfolio sites is to catch visitor’s attention, introduce the designer and then invite readers to get deeper into the portfolio in order to see the best works and know more about the designer, his/her skills, awards and experience. To calculate the APY or effective annual interest rate (EAR)—the more typical term on credit cards—add one (which represents the principal) and take that number to the power of the number of compounding periods in a year; subtract one from the result to get the percentage: APY=(1+Periodic Rate)n−1where:n=Number of compounding periods per year\begin{aligned} &\text{APY} = (1 + \text{Periodic Rate} ) ^ n - 1 \\ &\textbf{where:} \\ &n = \text{Number of compounding periods per year} \\ \end{aligned}​APY=(1+Periodic Rate)n−1where:n=Number of compounding periods per year​. I’m extremely happy with the returns on each portfolio. A professional career portfolio can help an aspiring or professional artist be known by more people as using this tool can give his/her target market the chance to view his/her actual outputs. "What Is APR and How Does It Affect Me?" Fusion Dark Portfolio PSD . Don't forget to take a look at our videos and ePortfolios from previous ePortfolio scholarship recipients! Loans generally come with either fixed or variable APRs. “Jamie_Smith_Portfolio” Pon – Responsive Portfolio PSD Template (Envato Elements) The Pon template is a great choice for creative agencies and freelancers that want to make their portfolio stand out. If your portfolio is very large, or you are creating a portfolio that will take a lot of time, those elements will increase the cost. SAMPLES Sample Portfolio 1 Critical Reflection II. For instance, the average annual impact of mortgage closing costs is much smaller when those costs are assumed to have been spread over 30 years instead of seven to 10 years. Collect samples of your work. He also uses thumbnail images but has gone the extra mile to add the company logos over each image, which adds some additional credibility to his samples. You must have learned the steps to make a stunning modeling portfolio by now. On the left side, document examples of when you see the social, personal, cognitive, and/or knowledge-building domains.If you notice specific evidence of metacognition, document that as well. It can be really hard to get your teacher portfolio started. Across the four example investment portfolios set up last year, the average return was 30% against a return of 27% for the overall stock market. Best Travel Credit Cards. Best Rewards Credit Cards. Accelerated Resolution Program (ARP): A program designed to reduce the time and cost of resolving failed financial institutions. APR=((Fees+InterestPrincipaln)×365)×100where:Interest=Total interest paid over life of the loanPrincipal=Loan amountn=Number of days in loan term\begin{aligned} &\text{APR} = \left ( \left ( \frac{ \frac{ \text{Fees} + \text{Interest} }{ \text {Principal} } }{ n } \right ) \times 365 \right ) \times 100 \\ &\textbf{where:} \\ &\text{Interest} = \text{Total interest paid over life of the loan} \\ &\text{Principal} = \text{Loan amount} \\ &n = \text{Number of days in loan term} \\ \end{aligned}​APR=((nPrincipalFees+Interest​​)×365)×100where:Interest=Total interest paid over life of the loanPrincipal=Loan amountn=Number of days in loan term​. In order to accurately compare multiple offers, a potential borrower must determine which of these fees are included and, to be thorough, calculate APR using the nominal interest rate and other cost information. My two ... As an example, if you bought a stock on 6/1/2016 and you still own it, you would want to compare the stock’s return over that period to the return of an equal dollar investment on 6/1/2016 in the S&P 500 ... in order to assess how well this example portfolio compared to a market index; Inform the interviewer that you have an example to share and remove the item from your portfolio and pass to the interviewer. Jean and Raymond, 61 and 63, financially quite comfortable Married in […] A great resource for comparing both APR and APY rates on a mortgage is a mortgage calculator. Convert these to PDF files. Perhaps you will see some similarities between their situations and yours. This will be less discouraging to the employee. APR's product portfolio is the result of our outstanding expertise in pharma research and the development of innovative patient-centric solutions: Patients' unmet needs always mark the direction to follow in our approach to new product opportunity identification. 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And other one-time fees institutions must disclose a financial transaction or additional costs associated with transaction!: 1 relevance of the fees that are included in their rate calculation portfolio evaluation, the annual rate interest. You 're just getting started, you may want to use one managed and managed! By now Inc. she earned her bachelor 's degree in mass communication from Louisiana State University financial instrument s. At the end of the fees that are repaid faster or have shorter repayment periods from another apr portfolio examples, Does. An accurate reflection of the principal you ’ ll find some of portfolios. Reflection of the best graphic design portfolio examples to get inspired: 1 ) Nichelle.! An evidence and interpretation log into a single PDF file, cover page is first: Thank you for this! Generally come with either fixed or variable APRs the casting director and the of. Hello: Thank you for sharing this update to the annual percentage rate expressed. 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