m& Practice Questions: Time Value of Money (TVM) & Its Applications in Investments 1. Jose now has $500. How much would he have after 6 years if he leaves it invested at 5.5% with annual compounding? a. $591.09 b. $622.20 c. $654.95 d. $689.42 e. $723.89 N 6 I/YR 5.5% PV $500 PMT $0 FV $689.42 2. How much would $5‚000 due in 25 years be worth today if the discount rate were 5.5%? a. $1‚067.95 b. $1‚124.16 c. $1‚183.33 d. $1‚245.61 e. $1‚311.17
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I’m Not Scared “I’m Not Scared” by Niccolo Ammaniti is a dramatic thriller in which the author portrays the contrasting themes of loyalty and betrayal with the use of symbolism and characterisation. “I’m Not Scared” is a dramatic tale set in a small Italian hamlet written in first person narrative. The protagonist in this novel is Michele‚ a 9 year old boy who accidentally stumbles upon a young boy who is being held ransom. Throughout the novel Michele visits and as the story progresses Michele
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M&A Acquisition of Alico by Metlife Strategic Management Nicolas Lo Bianco Table of content I. MetLife & Alico insight ll. MetLife Environment & Organization Financial results Environment : Swot analysis / Benchmarking / Competitors Competitive advantages Metlife Business Model lll. The strategy : Acquisition of ALICO by METLIFE Motivations Results Risks Similar competitor´s strategies • It is an american insurance company operating in over 60 countries and has over 90
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Response Paper #11: Mikhail M. Bakhtin Three important points on the biography of the critic include: 1). According to Wikipedia: Bakhtin was a Russian philosopher‚ literary critic‚ semiotician‚ and scholar who worked on literary theory‚ ethics‚ and the philosopher of language (n.p). 2). According to Biography.com: In 1929 he was exiled from Vitsyebsk to Kazakhstan. Known for Problems of Dostoevsky ’s Poetics‚ his ideas influenced Western thinking in cultural history‚ linguistics‚ literary
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km/h 30’+60’ = 90’=5400s=1.5h 40km+40km=80km vavg= 80000m/5400s=13.168724279835390946502057613169 m/s = 48 km/h 2. The coordinate of an object is given as a function of time by x = 7t – 3t2‚ where x is in meters and t is in seconds. Its average velocity over the interval from t = 0 to t = 2 s is: A) 5 m/s B) –5 m/s C) 11 m/s D) –11 m/s E) –14.5 m/s vt= 7-6t = 7-12=-5 m/s 3. The coordinate of a particle in meters is given by x(t) = 16t – 3.0t3‚ where the time t is in seconds
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2. Individual Level M-PESA’s initial individual level business model focused on the person-to-person transfers‚ but it has grown to include person-to-business and business to business transactions. The former transaction‚ person to person‚ is for facilitating individual’s access to financial services like mobile money transfer and the latter is for mobile payment involving business. Person to Business (P2B) and Business to Business (B2B) M-PESA has evolved into a payment platform that lets businesses
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Three main strategic goals for H&M for the next five years would be linked with profitability‚ competition and technological leadership. H&M has reported a rise in sales and profits and sales for the three months to 31st of August. Net profit for the third quarter of 2009 rose 4.1% to 3.46bn Swedish crowns from 3.33bn crowns last year. Sales‚ excluding sales tax‚ increased by 13% to 23.6bn crowns. So first LTO is to maintain financial stability H&M has achieved. H&M plans to increase sales revenues
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Tangibles (Physical appearance) At the first glance‚ H&M has a simple and clear design. (Appendix A) In the shop‚ different products are classified into different categories and there are clear directional signs which are easy for customers to find out what they need. (Appendix B) Also‚ the price tags are explicit and detailed for customers to understand. (Appendix C) Besides‚ the fitting rooms are located next to the cashiers which bring convenience to customers allowing them to pay right away
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on its understanding of customer‚ a company develops its marketing mix. Marketing creation of customer interest and retention of customers if this can be done at a profit. H&M spends a hefty 4 percent of revenue on marketing as valuable investment. At current sale level‚ the chain is the largest apparel retailer in Europe. H&M is not just a store chain; it is a money-making machine. The marketing orientation vs production orientation Marketing orientation companies focus on customer needs like
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Ruth M. Owades Ruth Owades was working as the Director of Marketing at Avion‚ a group of mail order companies‚ when she felt the need to start her own business. Indeed‚ in late October 1978‚ she had wanted to leave her job and fully commit to starting her own mail order company. Thecompany would be Gardener’s Eden‚ which would offer unusual‚ practical and rare tools by catalog to affluent home garderners. She first presented her venture to her company‚ Avion‚ which‚ whereas a quite enthusiasm
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