Problem 1. Villarente Company issued 5-year $200‚000 face value bonds at 95 on January 1‚ 2012. The stated interest rate on these bonds is 9%‚ and the effective interest rate is 10.33%. Use the effective interest rate method to complete the amortization schedule below. Cash Payment Interest Expense Discount Amortization Carrying Value January 1‚ 2012 December 31‚ 2012 18‚000 19‚627 1627 191‚627 December 31‚ 2013 18‚000 19‚795.07 1796.07 193‚422.07 December 31‚ 2014 18‚000 19
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Unit 205: Evidence covered: Outcome 5 5.1‚ 5.2 1. Write a short assignment describing why schools have policies and procedures. Policies and procedures are a legal requirement within all organisations and this includes schools. All schools must meet all current legislation which provides clear guidelines to governors‚ all school staff‚ parents and all other individuals who are involved with running the school. These policies and procedures should regularly be reviewed and updated as and when
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1. Estimate of the risk-free rate pf interest ("U.S. 10-year Treasury" bond rate = 4.78%. Assumed Market Risk Premium = 7.5%. 2. IBM Stock Information a. IBM’s Beta = 1.64 b. IBM’s current annual dividend = $0.80 c. IBM’s 3-year dividend growth rate (g) = 8.2% d. Industry P/E = 23.2 e. IBM’s EPS = $4.87 3. With the information you have‚ use the CAPM to calculate IBM’s required rate of return or ks. CAPM: ks = RF +{ (kM Krf) x Beta} = ks = 4.78% + {7.5% x 1.64) = 17.08% ks
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BIOLOGY NOTES TERM 1 2003 MICROSCOPY Ocular - lens used for magnification (usually x10) Objectives - lenses used for magnification Lower powerx4 Medium powerx10 High powerx40 Course adjustment - focuses image‚ moves focus quickly Fine adjustment - focuses image‚ moves focus slowly Stage - specimens are placed here Condenser - focuses light Iris diaphragm - controls amount of light passing through the specimen TOTAL MAGNIFICATION = OCULAR MAGNIFICATION X OBJECTIVE MAGNIFICATION CLASSIFICATION
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Positive and Negative Advances in Biotechnology Biotechnology and the research associated with it have become an issue in which people either support‚ or are against. Technological advances in this day and age have given scientists the ability to do things that were only dreamed about in the past. Research has given them the ability to find cures for diseases‚ to allow people to live longer with new medications‚ and also to solve crimes that may have been unsolved due to a lack in technology. Biotechnology
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Words: 893 Recently‚ one of my good friend has inherited ￡20‚000 and wants to invest this amount of money in financial market‚ in other words‚ she is planning to buy some financial products such as equities‚ bonds and currencies. She has asked me for some guidance. In my opinion‚ I think diversifying portfolio would be the best way to get a higher return. In this essay‚ I will explain the concept and benefits of diversification in financial markets. However‚ even with a diversified portfolio of
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alternative assets‚ such as bonds. 2. Draw a money demand curve and explain how changes in other variables may lead to shifts in the money demand curve. 3. Illustrate and explain the notion of equilibrium in the money market. 4. Use graphs to explain how changes in money demand or money supply are related to changes in the bond market‚ in interest rates‚ in aggregate demand‚ and in real GDP and the price level. In this section we will explore the link between money markets‚ bond markets‚ and interest
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Questions 1. Does offering covered bonds hold the answer to credit rationing (credit crunch) in a financial crisis or does it just offer banks the opportunity to increase their margin? Discuss critically. (25%) In 2008‚ due to the global financial crisis took place in America‚ which made a bad influence all over the world in term of the financial market‚ banks decided to improve lending standards by providing higher interest rate than the market interest rate conditions for loans‚ which leads
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the Rhone in France. Venice Italy: canals Warmer temp nit in the mountains Along the coast- Mediterranean climate Northern temp decrease- moving away from the equator Much of Europe has changed to human interactions on the environment Once covered in forests and naturel vegetation today much of Europe has been urbanized Half the size of the US yet it has 375million people Some places have some of the highest pop. Densities in the world Two areas which are extremely dense: England and France
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1.0 Introduction The global financial crisis of 2007 transmitted shock waves worldwide urging international governments to prepare defensive measures to combat this economic turmoil. Hence‚ on 12th October 2008‚ the Australian and New Zealand governments introduced analogous schemes to guarantee liabilities issued by a wide range of financial institutions whereby prior to this phenomenon‚ neither nation had deposit insurance arrangements in place‚ a distinctive characteristic common in other developed
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