Well, he is really ignorant. But basing what he is saying, he might be right. But he should still keep that kind of stuff to himself. There is no offense. Black people come from a country from which most of the recources were taken away therefore there isn't as much opportunities for them to develop as well. But I am not talking about all black people. Some are really smart depending on the way their parents taught them. I know I sound like a racist, but that's the way it is and you should also tell him to shut up because Koreans and Chinese hate those kinds of people.
You are not alone. It's ok if you get it a week later. My birthday is on July 4th, and I still didn't get any presents for it. The Christmas is on 25th, and I still didn't get any presents. Why? Because m dad keeps returning them. But now, I don't give a care about my presents and I am fine.
you mean multiply the amount by 1.2199. Yes, so then multiply the next amount 1.2199 and the next one, and the next one? But I sorta did it with an option like, if he gives some money back, the interest would be lower, so like "amount = money given back and multiply by 1.2199" ?
That's per year. And no, I am not worried about percentage being high because he told me that by himself. There are several amounts, $100 or $300 and such. What are compounds? Ok.
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