FIN 101 Exam 1 Chapter 1 Commerce Bank Credit What does your credit card really cost you? APR- Annual Percentage Rate Prime 3.25% Amount: $51‚649 Rate: 4% Years: 4 = $60‚422.02 Time Value of Money- TVM Future Value FV=PV*(1+i)^n FV= future value PV= present value i= interest rate n= time The Rule of 72 If at 10%‚ it will take 7.2 to double (just divide 72 by 10) 72 DIVIDED BY ANY NUMBER is how long it will take to double Present value PV=FV/(1+i)^n
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DIRECTIONAL RESEARCH HYPOTHESIS Let’s consider a different situation—one involving a different alternative or research hypothesis. In this instance‚ let’s assume that we expect to discover that rural residents have higher religious participation scores than urban residents. Since we’re now hypothesizing (in the form of the research or alternative hypothesis) that the rural residents will have higher religious participation scores than the urban residents‚ we are specifying the direction of the
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According to the self-medication hypothesis (SMH; Khantzian‚1985). The individuals’ choice of a particular drug is not accidental or coincidental‚ but instead‚ a result of the individual’s psychological condition‚ as the drug of choice provides relief to the user specific to his or her condition. Specifically‚ addiction is hypothesized to function as a compensatory means to modulate effects and treat distressful psychological states‚ whereby individuals choose the drug that will most appropriately
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Unit 101 – health and safety in a business environment 1.1 state health and safety responsibilities of employers and 1.2 state their own responsibilities for health and safety in the business environment Everybody is entitled to a work environment that are safe for them to do so‚ and that customers‚ visitors and contractors can be protected from any risk to health and safety whilst they are on the premises. Your employer’s basic responsibility is to provide safe and healthy conditions and processes
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Art Timeline Alicia Hansen Art/101 2/13/2011 Art Timeline As curator of the museum I have been asked to develop an interactive timeline based on one art medium to improve the content of the museum website. I have chosen to do a time line based on paintings from the Chinese. I chose to do nature and landscape art work. The first art piece is known as Chinese landscape artist from the 11th century developed the Old Tree‚ Level Distance hand scroll using ink and color on silk
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What is Hypothesis Testing? A statistical hypothesis is an assumption about a population parameter. This assumption may or may not be true. Hypothesis testing refers to the formal procedures used by statisticians to accept or reject statistical hypotheses. Statistical Hypotheses Null hypothesis. The null hypothesis‚ denoted by H0‚ is usually the hypothesis that sample observations result purely from chance. Alternative hypothesis. The alternative hypothesis‚ denoted by H1 or Ha‚ is the hypothesis
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The Amish Culture Valerie Lewis ANT 101 Michael King 03/18/2013 The Amish Culture The Amish culture is one of fascination and attracts tourist. “The Amish family is the foundation of the Amish way of life. The family structure and traditions that seem to be taken from a page out of history have
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LABOUR STANDARDS AND THE “RACE TO THE BOTTOM”: RETHINKING GLOBALISATION AND WORKERS RIGHTS FROM DEVELOPMENTAL AND SOLIDARISTIC PERSPECTIVES ESRC Centre for Business Research‚ University of Cambridge Working Paper No. 279 By Professor Ajit Singh Faculty of Economics and Politics University of Cambridge Cambridge CB3 9DE Email: as14@econ.cam.ac.uk Tel: +44 1223 350434 Fax: +44 1223 740479 and Ann Zammit Independent Consultant currently with UN Research Institute for Social Development
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Introduction What is acne? Certainly‚ most of us know what it is‚ simply because we have had to experience it at one time or another in our lives. But‚ in case a definition is needed‚ here is a short one. Acne is a dermatological term that includes clogged pores‚ pimples and lumps or cysts that occur on the face‚ neck‚ chest‚ back‚ shoulders‚ and upper arms. Acne occurs most commonly in teenagers‚ but is not limited to any age group‚ afflicting even adults in their forties. This disease
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The dopamine hypothesis evolved from animal studies conducted in the 1960s showing that neuroleptic drugs blocked dopamine receptors in the brain. An article by van Rossum published in 1966 is often cited as the first expression of the dopamine theory of schizophrenia‚ but in fact‚ the article concerned only the mode of action of neuroleptic drugs. It stated: “The hypothesis is therefore put forward that dopamine receptor blockade is an important factor in themode of action of neuroleptic drugs
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