Wells Fargo has formally disputed the audit report stating that its income calculation error rate is around 4.5%.

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Using this calculation, the rate is nearer 15%.

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The precise calculations can be done by combining this example calculation with this beer rate.

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And all this is a nice reminder that the rent-versus-own ratio and its divinely inspired cousin, the capitalization rate, is perhaps the most important calculation you should make in your financial life.

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For the American economy the calculation assumed an average annual growth rate of 2.5%.

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