Advanced Time Value of Money Problems Professor A. Spieler Question 1 (mortgage problem) (Try to work this question WITHOUT using Excel) You purchase a house that costs $625‚000 with an 8%‚ 30-year mortgage. You make a 20% down payment to avoid PMI insurance. 1. What is your monthly payment? 2. Amortize the first and second payments. 3. What is the mortgage balance after 5 years? 4. What percentage of the principal is paid off after 5 years? 5. Suppose after 5 years you refinance at 6%
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Ch.24 1 In the calculation of the CPI‚ sweaters are given greater weight than jeans if a. the price of sweaters is higher than the price of jeans. b. it costs more to produce sweaters than it costs to produce jeans. c. sweaters are more readily available than jeans are to the typical consumer. d. consumers buy more sweaters than jeans. ANS: D 2 In computing the consumer price index‚ a base year is chosen. Which of the following statements about the base year is correct? a. The base year is always
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MECH 8250 – Building Systems Module 1 - Heating Load Calculations Module 1 Heating Load Calculations The amount of heat is required for the building heating system to maintain a balance of the building heat loss. The amount of heat and moisture are gained from the building internal and external heat sources that is required to be removed by the building cooling system. Both heating and cooling loads form the basis in designing the HVAC systems for the building and occupied spaces to achieve both
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5-1 Earned Value Calculation 1. PV-BCWS=$3607.14 EV-BCWP=$3593.34 (.98 x 3666.67) CPI x AC AC-ACWP=$3666.67 (3593.34/.98) EV/CPI 2. SV= -13.8 (3593.34 – 3607.14) EV – PV CV=73.33 (3593.34 – 3666.67) EV – AC SPI=1.0 (3593.34/3607.14) EV/PV CPI=.98 (3593.34/3666.67) EV/AC 3. According to these calculations‚ the schedule variance is running late and the cost variance did not run over. The SPI is 1.0 which means that it is running on schedule. The CPI is .98 which is over budget by
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How to Calculate Preferred Dividends Preferred stock (or preference shares) is a special class of stock that pays a fixed dividend set at the time of issuance. Also‚ preferred dividends must be paid before common stock dividends. To calculate the dividends for preferred stocks‚ you need to multiply the par value of the shares by the dividend percentage. Example 1: If the dividend percentage is 8 percent and the preferred stock was issued at $20 per share‚ then the annual dividend is: 8% * $20 =
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regarded QUESTION 2 a) What is the time value of money? flows? b) What factors need to be taken into account when choosing an appropriate discount rate? c) What do you understand by the terms (i) “net present value” (NPV) and (ii) “internal rate of return” (IRR)? d) Compare and contrast the NPV and IRR. Why is it important to “discount” future cash CONTENTS PART ONE: QUESTION 1 1. INTRODUCTION . 2. RISK 2.1 2.2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
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Calculation for Nursing Staff requirement for a healthcare centre Assumptions: Working time: 8 hours/day x 6 days/week Weekly off: 52 days/year Annual Leave: 30 days/year Public holidays: 8 days /year Therefore‚ no. of working hours/staff = 8 x (365-52-30-8) = 8 x 275 = 2200 Requirement of Nursing Manpower: (Nurse / Patient Ratio) for wards VIP room: 1:2 Deluxe rooms: 1:3 Private rooms 1:4 General Ward 1:5 Labor room 1:1 ICU 1:2 Requirement for the three
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Dupont Analysis J.C. Penney ’s‚ Inc. versus Nordstrom‚ Inc. | Fiscal years 2005 and 2004 Refer to Figure 1. During fiscal year 2005‚ both J.C. Penney ’s Inc. ("Penney ’s) and Nordstrom‚ Inc. ("Nordstrom") provided similar and high returns on their shareholder investments‚ at 27% and 26%‚ respectively. Both companies ’ 2005 returns on equity ("ROE ’s") are up from prior year. While Nordstrom posted a significant increase in ROE by 20% over prior year‚ Penney ’s ROE is up 152% over its 2004
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Formula for Grade Average Calculation There are 3 grade averages: TGA‚ CGA and GGA. TGA (Term Grade Average) is the combined grade average covering all courses taken in the term and the session immediately following. CGA (Cumulative Grade Average) is computed based on all the courses taken by the student which are expected at the time of calculation to be applied towards the degree requirements in the current program. TGA & CGA = Sum of (Course Credits x Course grade points) Sum of Course Credits
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3.2.1 ECG Calculations. After performing experiments with the help of doctors and cooperation of a subject a certain reading is to taken.[42-51] All the obtained reading are compared with the normal reading of a subjects and some references i.e Dr.Bllams and Dr.Johnsons quotsons. The ECG abnormalities are detected by measuring and comparing P-R‚ QRS and Q-T intervals with normal values. Below the table is a normal reading of a human. Variations of these readings represent variations in ECG. It
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