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2. You don't plan to live in the home beyond the ARM term. If your plans for the home you're buying are short-term, it may make sense to use an ARM for financing. If you put the house on the market in five years, it won't matter what your new interest rate will be. Therefore, it makes sense to pay as little in interest as possible to create as much equity as possible for when you do sell. Even if you're not certain you will move, many experts advise doctors just starting in a new practice to consider an ARM because of the possibility you may relocate in five to 10 years. 3. You can potentially pay down your principal faster. One home financing strategy is to use an ARM to take advantage of the lower upfront interest rate to build home equity faster. First, determine the principal and interest payment you could afford on a 30-year fixed. (This applies to both standard mortgage and physician mortgage programs. ) Then instead of getting the fixed-rate mortgage, finance your home with an ARM.
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Commercial drivers are entrusted with responsibilities for which everyday drivers are not equipped. Because they must know how to operate heavy and expensive semi-trucks safely and carefully, they are expected to study, test, and apply for a commercial drivers license before they are hired on by over-the-road hauling companies. When you want to acquire or maintain this license, you may wonder Can You Get a CDL with a DUI on your record. You may be able to start or continue driving a truck after a DUI depending on the state in which you plan to work or the company at which you apply for employment. CDL Overview What is a commercial drivers license and how does it differ from a license that you get to drive your personal vehicle? A CDL is a special license that allows you to drive not only big rigs or semi-trucks but also may be required for driving a limo or driving for Uber. Many states require this special class of license for driving any vehicle that is longer or heavier than a personal vehicle like a sedan or pickup truck or any vehicle that is used for a commercial purpose like public transport.
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"Our analysis shows that the raw material needs of EV batteries pale in comparison to the fuel burned by fossil fuel cars, which, unlike batteries cannot be recycled. " In the fossil engine/battery calculations, "we excluded the raw material needed to produce the electricity and the [fossil] fuel because this is contingent on factors such as national electricity mixes and fuel extraction efficiency. In our analysis of upstream energy use [producing the electricity and making the solar panels and turbines used to produce that electricity], we have shown that it would only make a 5% to 10% difference in total energy consumption" for electric vehicles powered by renewable energy. On other aspects of the two vehicle types, the Brussels-based campaign group said battery electric vehicles were superior to their petrol and diesel counterparts across raw material demand, energy efficiency or cost – as well as eliminating exhaust emissions of carbon dioxide and other harmful gases. The accelerating move to electric vehicles will entail environmental costs.
Participating Degree Programs: Department of Psychology, Faculty of Arts & Science: Master of Arts (MA), PhD Department of Civil & Mineral Engineering (CivMin), Faculty of Applied Science & Engineering Master of Applied Science (MASc), PhD Department of Electrical & Computer Engineering (ECE), Faculty of Applied Science & Engineering Department of Mechanical & Industrial Engineering (MIE), Faculty of Applied Science & Engineering How does the research work? The PsychEng Collaborative Specialization serves graduate students who are interested in the intersection of psychology and engineering by providing access to learning experiences that otherwise do not exist at the University of Toronto. Students will gain improved capacity to pursue, understand, discuss, and apply engineering to research in psychology, and to apply psychology to research in engineering. Psychology students may discover practical engineering applications to which to apply their work while engineering students can utilize psychological principles towards solving real-world problems.