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discount patio

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1) "Discount" -- As to discount patio 1dis·count Pronunciation: 'dis-"kaunt Function: noun 1 : a reduction made from the gross amount or value of something: as a (1) : a reduction made from a regular or list price (2) : a proportionate deduction from a debt account usually made for cash or prompt payment b : a deduction made for interest in advancing money upon or purchasing a bill or note not due 2 : the act or practice of discounting 3 : a deduction taken or allowance made Pronunciation Symbols See also Discounts and allowances. For the band, see Discount. In finance and economics, discounting is the process of finding the present value of an amount of cash at some future date, and along with compounding cash forms the basis of time value of money calculations. The discounted value of a cash flow is determined by reducing its value by the appropriate discount rate for each unit of time between the time when the cashflow is to be valued to the time of the cash flow. Most often the discount rate is expressed as an annual rate. To calculate the net present value of a single cash flow, it is divided by one plus the interest rate for each period of time that will pass. This is expressed mathematically as raising the divisor to the power of the number of units of time. As an example, suppose an individual wants to find the net present value of $100 that will be received in five years time. There is a question of how much is it worth presently, and what amount of money, if one lets it grow at the discount rate, would equal $100 in five years. Let one assume a 12% per year discount rate. NPV = 100 dollars divided by 1 plus 12% (0.12) divided by 1 plus 12% (0.12), etc. Since 1.125 is about 1.762, the net present value is about $56.74. So, an economy where money loses 12% of its value/purchasing power every year, how will it "feel" like having 100 $ in five years? Well, it will "feel" like having $56.74 now. So the interest rate you be charged at the bank will be very high to compensate for this fact. The following link has a tutorial on discount mathematics: Tutorial on discount mathematics 1 Discount rate 2 Discount factor 3 Other discounts 2) "Patio" -- As to discount patio pa·tio Pronunciation: 'pa-tE-"O also 'pä- Function: noun Inflected Form(s): plural pa·ti·os Etymology: Spanish 1 : COURTYARD; especially : an inner court open to the sky 2 : a recreation area that adjoins a dwelling, is often paved, and is adapted especially to outdoor dining Pronunciation Symbols A patio of the Livadia Palace in Crimea. A paved patio with brick-built barbecue A patio garden (From the Spanish: patio meaning "back garden" or "backyard") is an outdoor garden space generally used for dining or recreation that often adjoins a residence and is typically paved. Specifically, it may refer to a roofless inner courtyard of the sort found in Spanish-style dwellings. Patios are typically made of concrete or stone slabs laid over a firm base. This base is often formed of a layer of compacted hardcore (stone chips), a layer of sharp sand, and a layer of cement mortar. The firmness and stability of the base is essential to the robustness of the top layer of slabs - an infirm base will typically result in cracked slabs. Patios that hold a lot of weight, such as driveways, require stronger foundations than those that are designed for light use. Patio gardening is often based around the use of large clay pots. ..." 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