Annuities Practice Problems Prepared by Pamela Peterson Drake 0. 0. Congrats! You just won the $64 million Florida lottery. Now the Surely Company is offering you $30 million in exchange for the 20 installments on your winnings. If your opportunity cost of funds is 8%‚ should you agree to this deal? 0. Given: CF = $64‚000‚000 / 20 = $3‚200‚000 N = 20 i = 8% Annuity due PV = $33‚931‚517.44 No: the annuity is worth almost $34 million to you‚ but Surely is offering only $30.
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Learning English: Vietnamese have wide knowledge‚ but they are too shy to speak VietNamNet Bridge – The outdated teaching methods explain why Vietnamese people‚ despite spending a lot of time and money‚ still cannot speak English well. Learning English has become a norm in Vietnam. Everyone thinks that they must speak fluent English in order to get good jobs in this period of globalization. English language centres have been mushrooming in the past few years to satisfy the increasingly high
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S. A Novel about the Balkans‚ by Slavenka Drakulic‚ is a story about a Bosnian woman‚ named S.‚ who was tortured by the hands of brutal soldiers during the Bosnia war. The novel mainly centers on a series of S.’s flashbacks‚ as she recounts the horrific ill-treatment she endured throughout this time period. Through telling S’s story‚ the author creates a vivid image of how deep and dark human nature is during wartime. The story is a revelation of the terrifying aspects of war‚ which include torture
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Jean Piaget Jean Piaget was born on 9 August 1896 in Switzerland. From an early age‚ Mr. Piaget displayed a strong interest in biology and the natural world. His interests in zoology lead him to publishing several articles on mollusks by the age of 15. Mr. Piaget studied at the University of Neuchatel where in 1918 he received his doctorate degree. In the 1920s‚ Mr. Piaget developed as a psychologist and believed that young children’s cognitive processes are inherently different from those of adults
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study Why do schools have district websites? The benefits include the following: linking schools in the district‚ developing communication in classes‚ grade levels‚ and cultures‚ encouraging parental involvement‚ presenting information to visitors about the school and acquisition of technology skills (Miller‚ Adsit & Miller‚ 2005). The digital divide holds with it a social justice goal to ensure that students regardless of socioeconomic status have equal access to new technologies both in the
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SUMMARY Piaget was born in Neuchâtel‚ in the Francophone region of Switzerland. He was born on August 9‚ 1896 and he died on September 16‚ 1980 at the age of 84. He was also known as constructivism‚ theory of cognitive development‚ object permanence‚ egocentrism and also a genetic epistemology‚ which is the study of knowledge. Piaget was a precocious child who developed an interest in biology and the natural world. In the 1920s Piaget observed children reasoning and understanding differently‚ depending
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A Review of “Allocative Efficiency of Markets with Zero-Intelligence Traders: Market as a PartialSubstitute for Individual Rationality” Dhananjay K. Gode and Shyam Sunder Through this paper the authors Dhananjay Gode and Shyam Sunder try to understand the effect of various elements such as institutional structure‚ market environment‚ and agent behaviour which effect the performance of an economy on the allocative efficiency of a double auction. Through their experiment they prove that a double
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In comparison to Piaget stages‚ Freud says if a child fails through stages based upon a particular erogenous zone for example‚ if child receives pressure from parents or other whilst the anal stage; it can result in excessive need for order or cleanliness later in life‚ this can make children fixated to that stage. Freud’s genital stage was the final stage in his development that children go through at eleven years and onwards‚ they begin to develop a strong interest in opposite and go through puberty
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Review of “Rethinking Everything We Thought About Addiction” By: David Smack‚ M.D. Addiction is a growing problem that affects many individuals and families around the world. In fact‚ the number of alcoholics and drug addicts continues to rise every year. This article addresses the lack of advance in medical treatment for substance abuse‚ as well as the benefit of a 12-step program. The author talks about the parts of the brain that are affected by one time and repeated substance use/abuse
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Rizal Sired Hitler By: Ambeth R. Ocampo Philippines Daily Inquirer Lifestyle (C3) Monday‚ June 19‚ 1995 EVERYWHERE I lecture on Rizal‚ one question never fail to arise in the open forum—"Is it true that Adolf Hitler is the son of Rizal? This is absolutely absurd‚ but since some fairly educated people actually want to believe it‚ I write this column.The argument is that Rizal had a German connection‚ he studied in Heildelberg‚ and being the Pinoy Don Juan he probably sired a son (why not a
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