FIN 502 – Personal Financial Planning Chapter 1 – Module 2 Time value of money * How to compare monetary amounts you pay or receive at different times * The arithmetic with which we convert money between periods‚ or calculate what rate of return is implied by a given set of cash flows Single Period – Rate of Return * N = amount of years * I% = x (what we’re trying to find) * PV = How much it’s worth today * FV = How much it’s worth at maturity date
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The last book I read was called „Asylum” written by Madeleine Roux. It is a story about a sixteen year old Dan Crawford who was accepted in the New Hampshire College Prep program. While attending the classes he‚ just like all students‚ stayed in the Brookline Dorm - formerly a psychiatric hospital. Our main character with his new friends start exploring the dark past of the asylum. And that’s when the strange things start happening. Daniel Crawford‚ our main character‚ was an orphan. He had been
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of immigration from neighbouring southeast Asian countries‚ Australia’s policies regarding the topic of asylum seekers are not nearly up to par with other countries. Australia‚ generally‚ treats the people who seek refuge in the country very poorly in comparison to other nations. It is important to note that seeking asylum is not‚ in fact‚ illegal. Human beings have the right to seek asylum in the event of political strife or fear of unjust persecution; this is outlined in the agreement set out
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Chapter 2 Auditing IT Governance Controls Review Questions 1. What is IT governance? Response: IT governance is a relatively new subset of corporate governance that focuses on the management and assessment of strategic IT resources. 2. What are the objectives of IT governance? Response: The key objectives of IT governance are to reduce risk and ensure that investments in IT resources add value to the corporation. 3. What is distributed data processing? Response: Distributed
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Erving Goffman defines dramaturgical analysis as a way to describe human social interactions throughout everyday life. He believed that human played roles like being on a theater stage acting he discusses that our activities that are displayed to the public are front stage‚ and also created the idea that the backstage is when individuals can be themselves away from the public and the role they play for others the way we dressed would be our costume and the objects we use or carry is our props. In
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r1- )2*P1+( r2- )2*P2+( r3- )2*P3+ etc then square rooted (-50% - 11.40%)2(0.1) + (-5% - 11.40%)2(0.2) + (16% - 11.40%)2(0.4) + (25% - 11.40%)2(0.2) + (60% - 11.40%)2(0.1) = 712.44 standard deviation = square root of 712.44 = 26.69% coefficient of variation= CV= σ/ = 26.69%/11.40% = 2.34 expected return = = P1r1+P2r2+P3r3 expected return market= .3*15%+.4*9%+.3*18%= 13.5% expected return stock j= .3*20%+.4*5%+.3*12%=11.6% standard deviation =( r1- )2*P1+( r2- )2*P2+( r3- )2*P3 then
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Exercise 2-1 (10 minutes) 1. The wages of employees who build the sailboats: direct labor cost. 2. The cost of advertising in the local newspapers: marketing and selling cost. 3. The cost of an aluminum mast installed in a sailboat: direct materials cost. 4. The wages of the assembly shop’s supervisor: manufacturing overhead cost. 5. Rent on the boathouse: a combination of manufacturing overhead‚ administrative‚ and marketing and selling cost. The rent would most likely be prorated
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Asylum (Dotted lines act like changes in perspective) Tyler sat in the car waiting‚ he was anticipating everything to go wrong at any given moment‚ that always happened. We will probably hit a moose or something‚ he thought as Tyler‚ and his dad were driving through the British Columbia rockies‚ driving to where they would eventually set up camp‚ in a forested area. Two of his friends were going to meet him there‚ as long as everything went according to plan‚ which it seemed to never do. But after
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Chapter II Review of Related Literature and Studies Review of Related Literature Parents Portal The Parents Portal gives the parent an opportunity to view their student’s schedules‚ performance‚ and statement of accounts. Parents also have access to review current contact information‚ which may be used to help the school maintain accurate contact data. Online Reporting is the innovative use of media and communication technologies such as emails‚ blogs‚ websites and text alerts in
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Over the last five years asylum seeker numbers‚ which include families with children‚ have been on the rise in Australia. The Australian Human Rights Commission [AHRC] (2014‚ p. 29) claims that Australia breaches International Human Rights Law‚ due to factors such as regional processing‚ lack of proper resources and mandatory detention with no set duration. The current management of asylum seekers in detention may be having a detrimental impact on children physically‚ emotionally and mentally. Australian
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