Without the greenhouse gases, the average surface temperature of the Earth would be very cold, as low as 0 degrees Fahrenheit.
What is Temperature?This refers to the degree of hotness or coldness of a place at a given time due to several factors.
Hence, we can see that due to the presence of greenhouse gases, the average surface temperature of the Earth is warm and mild which is good for humans and plants, but without it, it would go from warm to very cold.
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If you begin investing at age 45 instead of age 40, how much more do you need to invest per month to have $1M at retirement?
Answer:
There are three extremely important elements when it comes to investing your money: the amount you contribute each month, the rate of return and how long you have to reach your goal. Keeping this in mind can help you invest your way to financial independence, regardless of how that looks for you — even if it means having $1 million.
Select previously asked Brian Stivers, a Financial Advisor and Founder of Stivers Financial Services, to help us calculate how much money 40-year-olds should invest each month to have $1 million by age 65. He also crunched the numbers to help us figure out how much people would have to contribute each month to become a millionaire if they waited just five years after turning 40 to invest. Here's what we found:
How much a 45-year-old needs to invest to become a millionaire
When making calculations, Stivers accounted for three different return rates: 3% (a conservative portfolio of mostly bonds), 6% (a combination of stocks and bonds) and 9% (a portfolio that's stock-heavy or contains index or mutual funds yielding around 9% on average). And, he used a retirement age of 65, which would give 45-year-olds just 20 years to save. Here's how much 45-year-olds would need to invest each month to become a millionaire by the traditional retirement age:
If making investments that yield a 3% yearly return, a 45-year-old would have to invest $3,100 per month to reach $1 million by age 65.
If they instead contribute to investments that give a 6% yearly return, they would have to invest $2,200 per month for 20 years to end up with $1 million.
But if they choose investments that yield a 9% yearly return, which is comparably more aggressive, they would need to invest $1,600 per month for 20 years to reach $1 million.
If you were to start investing for a 9% yearly return just five years earlier at age 40, you would need to contribute $950 per month to reach $1 million by age 65. That means contributing $650 less per month than you'd have to contribute if you wait until age 45.
The earlier you start investing the less money you have to contribute to your investments to reach $1 million. This is because compound interest is most powerful when it has a longer amount of time to grow your money.
Depending on your circumstances, making such aggressive contributions may feel like a squeeze. Especially since as you get older you may take on expenses that you didn't have when you were younger, like raising a child, caring for aging parents, making life insurance payments, or even paying tuition for children who are ready to head to college.
All these costs can make it difficult to simultaneously make aggressive contributions to your investments. However, keep in mind that even making smaller contributions can grow and potentially have a profound impact on your financial situation over time. Starting with something is more impactful and puts you in a better position than if you were to not invest at all.
So even if you can't afford to invest $1,600 a month, the sooner you start investing what you can, the more time compound interest has to work its magic.
If you're very new to investing or your income varies so you don't know how much you can comfortably afford to invest, you might consider an app like Acorns, which allows users to invest the "spare change" they accrue from making everyday purchases like coffee, textbooks and clothing. In other words, you're investing using the change from purchases you were going to have to make anyway.
And if you have some money to invest but can't afford a full share of the companies you're interested in, other apps like Robinhood allow you to invest in fractional shares. A fractional share is a portion of a stock's share based on the amount of money you want to invest rather than the number of shares you want to purchase — with as little as $1. This way, you can still get some skin in the game.
But if you're more comfortable with a hands-off approach, some apps, like Wealthfront and Betterment, use robo-advisors to help you determine which investments make sense for you based on your risk tolerance, goals and retirement date. Robo-advisors also take on the task of automatically rebalancing your portfolio as you get closer to the target date for your goals (be it retirement or buying a house). This way, you don't have to worry about adjusting the allocation yourself.
It's also important to note that when investing in stocks, you shouldn't just throw your money at random individual stocks. A tried and true strategy is to invest in index funds or ETFs that track the stock market as a whole, like the S&P 500. According to Investopedia, the S&P 500 has historically returned an average of 10% to 11% annually, so you might expect a fund tracking this index to produce similar returns. Also note that past returns do not guarantee future success.
Which country has the biggest land size in south america?.
Which are considered two of the special properties that are used to identify certain minerals?.
Answer:
hardness and luster.
Explanation:
why are wetlands important
Answer:
Wetlands, far from being useless, disease-ridden areas, give benefits that no other ecosystem can match. Natural water quality improvement, flood protection, coastline erosion prevention, recreational and aesthetic opportunities, and free natural products are just a few of them.
Answer:
Wetlands are far from being useless.
Explanation:
Wetland are important because if it wasn't for wetlands we wouldn't have water to drink, water to cool off with, and wetland helps use grow plant's so we can eat and breath.
It's science but I don't see the category for it
Answer:
The answer is All of these.
Explanation:
Those all are harmful ways cause by the use of fossil fuels.
Three people hiked to the top of the hill represented by the following topographic map. Each hiker started at the same elevation but at different locations around the hill.
8. which elevation ( in feet ) did each hiker begin their hike?
9. which hiker would have the easiest hike up the hill?
10: what was the total change in elevation for hiker A once he reached the top of the hill?
Based on the map given, the following are true:
Each hiker began at 180 feet. The hiker with the easiest path was Hiker C. The total change in elevation was 84 meters. What does the map show?Hikers A, B, and C all started at the contour line denoting 180 feet so they all started at a height of 180 feet.
Hiker C had the easiest path up the hill because the spacing of the contour lines shows that their path was not as steep as the paths taken by Hikers A and B.
The change in elevation for Hiker A is:
= Height of mountain - Original height
= 264 - 180
= 84 meters
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Which of the following does not affect a population's size? a. birth rate c. death rate b. exchange rate d. migration rate please select the best answer from the choices provided a b c d
Answer:
B.) Exchange Rate
Explanation:
A.) is incorrect because birth rate affects population size. If all other factors are the same, a higher birth rate will increase a population size because more individuals are being introduced into a population. A lower birth rate usually results in the decrease of a population size.
B.) is correct because exchange rate does not affect population size. The rate of exchange between countries has little to no impact on how many individuals live in a particular area.
C.) is incorrect because death rate affects population size. If a death rate is high enough, it can decrease a populaton size. If the death rate is low, fewer individuals are being removed from a polulation, thus keeping the population size relatively stable or increasing (usually).
D.) is incorrect because migration rate affects population size. If the migration rate leans towards more emmigration, more individuals are leaving a population than coming in, thus causing a decrease in the population size. Should a population have have high rates of immigration, the population size usually increases with the influx of individuals.
All of the wrong choices directly describe the flow of individuals in or out of a population. While the correct choice can indirectly affect population size, it is the least significant.
Answer:
B. exchange rate
Explanation:
I just did it
The economy of Romania suffered in the 1990s because of
Answer:
Ineffective government.
Explanation:
In Romania, the communist government was still in power. The reforms and oppositions destabalized the nation.
.
.
.
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Find the distance between the points (-6,-4) and (-6,18)??
As per the given units, the distance between the points (-6, -4) and (-6, 18) is 22 units.
What is distance formula?The distance formula is a mathematical formula used to find the distance between two points in a two- or three-dimensional coordinate system.
To find the distance between two points, we can use the distance formula:
d = √[(x2 - x1)² + (y2 - y1)²]
where (x1, y1) and (x2, y2) are the coordinates of the two points, and d is the distance between them.
In this case, the two points are (-6, -4) and (-6, 18). So we have:
x1 = -6
y1 = -4
x2 = -6
y2 = 18
Plugging these values into the distance formula, we get:
d = √[(-6 - (-6))² + (18 - (-4))²]
= √[0² + 22²]
= √484
= 22
Therefore, the distance between the points (-6, -4) and (-6, 18) is 22 units.
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Normal faulting is most often associated with mountain building along ___________ boundaries, whereas reverse faulting is generally observed at ______
Answer:
divergent, convergent
Explanation:
these are the two answer for your questions.
which of the following statements is true of all countries in Central Asia
Answer:
Central Asia is bordered by large lakes and they all have vast amounts of Arabic land.
Explanation:
hope this helps
Greyfields are __________ in decaying suburbs.
Answer:
Vacant commercial spaces and empty shopping malls
Explanation:
an engineer has been asked to give advice about a wave pool at a local water park. The park guest thinks that the waves in the pool are too close together. The engineer knows that the wave speed in the pool is constant. Explain why the engineer suggests reducing the frequency of the wave generator.
By reducing the frequency of the wave generator, the waves mimic the waves that are generated by natural water bodies that are under the influence of a current.
What is a wave generator?A wave generator is a device that is used to create artificial waves in an artificial pool of water.
The higher the frequency of the waves the faster and close the waves appear in proximity to one another.
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Most often cited as the causative factor for acid deposition.
Answer: Sulfur dioxide
Describe the most significant restriction on access to potable water around the world.
Potable Water is tested and treated industrially. Thus, Potable Water is expensive. Therefore, Access to potable water is very limited by money.
What is potable water?Potable water is the water, that is tested and safe for drinking and cooking arrangements. Water is tested and treated industrially.
Thus, Potable water is expensive.
Therefore, Access to Potable water is very limited by money.
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Answer:
The most significant restriction on access to potable water around the world is due to money. Because it takes so much money to clean water and add chemicals, the process becomes very expensive, leading to a little amount of water being shipped out for people to use.
Explanation: This is correct :)
what is the relationship between gdp and the hdi??
Answer:
HDI and GDP have a negative relationship in the long term while poverty rate and GDP has a positive relationship with the GDP. Meanwhile in the short term, HDI and GDP have no
Explanation:
7. Piloting a ship by moonlight is most difficult during
which phase?
a. First quarter moon
b. Full moon
c. Third quarter moon
d. New moon
Answer:
D. New moon
Explanation:
It is most difficult during the New Moon as there is no moonlight.
What type of plate boundary is the rocky mountains.
Answer:
continental convergences subduction zones
Explanation:
Geologists call such oceanic-continental convergences subduction zones; the plate that possesses oceanic crust is denser than the continental plate, so it dives, or subducts, deep into Earth's mantle (the layer below the Earth's crust).
4: How did World War I impact the growth of Authoritarian
Answer:
They were small new countries without capitol t develop industry.
Explanation:
Authoritarian states rose in Eastern Europe because they were small new countries without capitol t develop industry. Haves and Have-nots and most did not have experience with democracy.
How is groundwater replenished? a. precipitation b. streams c. rivers d. all of the above please select the best answer from the choices provided a b c d
The groundwater replenished by the precipitation, streams, and rivers. Option D is correct.
What is groundwater replenished?The technique by which surface water travels from the covering land surface into the groundwater basement is known as groundwater recharge (or replenishment).
Surface water can be replenished by flowing through the dirt and groundwater, or by injecting water rapidly into the groundwater through wellheads.
This process of recharge is getting done by precipitation, streams, and rivers
Therefore, option D is correct.
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What affect does global warming have on sea levels?.
Answer:
Global warming melts the ice caps, which increase sea level.
Answer:
With increasing global warming, the water in the ocean heats up which heats the air around it creating hurricanes. Rising sea level. The melting of polar ice caps and less water evaporating into the atmosphere are causing sea levels to rise.
Question 2 of 15
Which are often considered part of Oceania?
Check all that apply
Answer:
Australia, New Zeland , Melanesia, Micronesia and Polynesia
What did the dutch build in the cities they controlled in asia?.
Explanation:
The Dutch colonial empire (Dutch: Nederlandse koloniale rijk) comprised the overseas territories and trading posts controlled and administered by Dutch chartered companies—mainly the Dutch West India Company and the Dutch East India Company—and subsequently by the Dutch Republic (1581–1795), and by the modern Kingdom of the Netherlands after 1815.[1] It was initially a trade-based system which derived most of its influence from merchant enterprise and from Dutch control of international maritime shipping routes through strategically placed outposts, rather than from expansive territorial ventures.[2][1] The Dutch were among the earliest empire-builders of Europe, following Spain and Portugal.
Hey can you please help me do this please
Answer:
It showed "spokes" forming in saturn's rings
What scientist presented the theory of continental drift?.
Answer: ...
Explanation:
Answer: Alfred Wegener.
Explanation: He actually made a theory of continental drift and is most associated with the scientist.
The Northeast Corridor of the United States, an area covering some 450 miles from north of Boston to south of Washington, D.C., has 56 million people. Why is this area referred to as a conurbation
Answer:
It is an agglomeration of towns and cities into an unbroken urban environment.
Explanation:
How climate influence the type of hill found in a region
Answer:
How do mountains affect temperature? The temperature gets colder the higher up the mountain you go. This is because as the altitude increases, the air becomes thinner and is less able to absorb and retain heat. The cooler the temperature the less evaporation there is, so there is more moisture in the air too.
Explanation:
hope this helps
Which of the following are the two primary gasses found in the Earth's atmosphere?
A.
nitrogen and oxygen
B.
nitrogen and carbon
C.
hydrogen and carbon
D.
carbon and helium
Answer: A) nitrogen and oxygen
Explanation:
Together they actually make 99% of the Earth's air.
Where does the heat come from for geothermal energy?.
Answer:
That depends on the basic principles of the sun rising every day and generating some degree of heat. When the sun sets, that heat source disappears. That concept is easy to understand because you can see the process.
Explanation:
Reflect on the following passages. In no less than 250 words, explain how the Prophets provided hope for Israel and the nations, and how the fulfillment of this prophetic promise concerning Jesus impacts your life today.
Isaiah 7:14 and Matthew 1:21-22.
Isaiah 9:6-7 and Luke 1:31-33.
Micah 5:2 and Matthew 2:1-6
PLEASE HELP I NEED TO FINISH THIS FAST!!!
Answer:
Hope:
The kings of Israel weren't able to be perfect kings. They couldn't stop the idolatry or rebellion, they weren't able to lead their people in a way that followed the Lord's word correctly and as a consequence, they were unable to reap the covenant blessings of fruitful living in the land under God’s presence and protection. So, when the Lord provided prophets to the people and those prophets began to preach about a king coming who could rule the Land perfectly and eternally of course they were filled with hope. They wouldn't have to worry about the consequences of the sins of their leaders, they wouldn't have to worry about being led astray, and they could enjoy His perfect, eternal kingdom.
Fulfillment:
This is entirely up to your own interpretation. The Lord sent his son to save you and he gave you the chance at joining his perfect kingdom. Just write about how that affected you.
Explanation:
"The Prophets provided hope to Israel by announcing God's promise of a future King who, unlike previous kings, would rule eternally and perfectly and restore Israel, Judah, and establish righteousness over the earth.
Isaiah 7:14 -
Matthew 1:21 -
Isaiah 9:6 For unto us a Child is born,
Unto us a Son is given;
And the government will be upon His shoulder.
And His name will be called
Wonderful, Counselor, Mighty God,
Everlasting Father, Prince of Peace.
7 Of the increase of His government and peace
There will be no end,
Upon the throne of David and over His kingdom,
To order it and establish it with judgment and justice
From that time forward, even forever.
The zeal of the Lord of hosts will perform this.
Luke 1:31 -
Micah 5:2 -
Mathew 2 - 6 ‘But you, Bethlehem, in the land of Judah,
Are not the least among the rulers of Judah;
For out of you shall come a Ruler
Who will shepherd My people Israel.’ ”
Because Israel's monarchs were incapable of being perfect kings, the Prophets brought hope for Israel and the nations. They couldn't put a stop to the idolatry or rebellion, they couldn't lead their people correctly according to the Lord's word, and as a result, they couldn't harvest the covenant blessings of fruitful life in the country under God's presence and protection.
Who is a Prophet?A prophet or prophetess is a person who is supposed to be in contact with a divine being and to speak on its behalf, acting as a mediator between humanity and the supernatural source by imparting messages or teachings to others.
When the Lord sent prophets to the people, and those prophets began to teach about a future king who would rule the Land completely and eternally, the people were thrilled with joy. They wouldn't have to worry about the repercussions of their leaders' sins, they wouldn't have to worry about being misled, and they would be able to enjoy His perfect, eternal reign.
As a result, the Prophets gave Israel hope by declaring God's promise of a future King who, unlike previous monarchs, would govern eternally and perfectly, restoring Israel, Judah, and establishing righteousness over the planet.
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