and wherever applicable‚ youth who are identified at the preschool‚ elementary or secondary level as possessing demonstrated or potential abilities that give evidence of high performance capability in areas such as intellectual‚ creative‚ specific academic or leadership ability‚ or in performing and visual arts and who by reason thereof require services or activities not ordinarily provided by the school. What is Howard Gardner’s overall definition of gifted and talented? Howard Gardner—says
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PROBLEMS (p. 180) 1. A few years ago‚ Simon Powell purchased a home for $150‚000. Today‚ the home is worth $250‚000. His remaining mortgage balance is $100‚000. Assuming that Simon can borrow up to 75 percent of the market value‚ what is the maximum amount he can borrow? (LO 5.2) Present market value of Simon’s home = $250‚000. Simon can borrow up to 75 percent of the market value‚ or $187‚500. Simon still owes $100‚000 mortgage on his home. Therefore‚ he can borrow an additional $87‚500. 2. Louise
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“How to Take Control of Your Credit Cards”‚ Orman says that it is only a matter of choice whether or not you learn to take control of your credit cards. Orman states‚ when you’re paying high interest rates on credit cards you have maxed out‚ you could be paying ridiculous amounts of money just in interest. And it could take you years to pay it off. People often overspend on there credit cards‚ charging anything and everything they purchase on them. Which leads them to being broke either by choice
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that is inevitably gave up. For example‚ if a person invests in equity and get 3% return over a period of time then by investing his/her money on stock that person gave up the opportunity of another investment. Opportunity cost rate is used as an interest rate (discounting factor) to calculate present value of future cash flow. To compute present value‚ future value is divided by (1 + r) in each year. Therefore‚ in time line opportunity cost is shown in between two cash flows. No the opportunity
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the money supply‚ other things held constant‚ short-term interest rates will be pushed upward‚ and this increase probably will be greater than the increase in rates in the long-term market. 3. The fact that a percentage of the interest income received by one corporation is excluded from taxable income has encouraged firms to use more debt financing relative to equity financing. 4. If the tax laws stated that $0.50 out of every $1.00 of interest paid by a corporation was allowed as a taxdeductible expense
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CASE: PADGETT PAPER PRODUCTS COMPANY As result of inflation and the acquisition of its competitor‚ Tri-State Tablet Company in 1996‚ Padgett’s financial needs have been risen to a permanent level rather than being merely seasonal in nature. The Company exceeded its bank credit line of USD 5 million to USD 7.2 million. So Padgett Paper requested their bank‚ the Calson Trust Company for a higher credit limit of USD 8 million. The request was granted under internal guidance line of USD 8 million at
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the management of Student Educational Loan Fund (SELF). SELF was established in 1961 to fund loans to HBS. Traditionally‚ HBS student loans required the borrower to pay semi-annually with variable interest rate policy. Under the new plan‚ the students would receive monthly paid plus fixed-rate interest. With this new plan the management believed that it will reduce the rate of delinquency among the students. Basically in 1996‚ the tuition fee for two-year MBA program at HBS was $42‚000. The cost
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Exchange Traded Bonds and Sukuk (ETBS) Bonds/Sukuk have always been seen as an asset class to hedge when markets are bearish and a means to develop a steady income over many years. But in the past the bonds/sukuk market was accessible only to high net worth and institutional investors. Now with ETBS‚ all investors can have access to the bond/sukuk market with ease‚ via the stock market. What are ETBS ETBS are fixed income securities‚ also known as bonds or sukuk*‚ that are listed and traded
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the interest rates on loans. Elizabeth Warren argues that we should we should return to using these laws. Both Consequentialism and the social contract theory can provide similar viewpoints on this issue. Each one provides strengths and weaknesses in regards to these laws. Usury laws are regulations governing the amount of interest that can be charged on a loan. They specifically target the practice of charging excessively high rates on loans by setting caps on the maximum amount of interest that
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four step process. The first step is the “Evaluation and Analysis” which determines the applicant’s qualifications to determine whether they are qualified and have the ability to repay. The next step is the “Interest Rate Determination” which reviews the files and determines the interest rate for each application. The third step is the “Loan Terms” which determines and defines the specific terms of each loan application. The fourth and final step is the “Final Issuing” which prepares the loan
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