...Jamie Lyons Finance W2 4-1 Questions Annuity-A financial product sold by financial institutions that is designed to accept and grow funds from an individual and then, upon annuitization, pay out a stream of payments to the individual at a later point in time. Annuities are primarily used as a means of securing a steady cash flow for an individual during their retirement years. Lump-sum payment- A one-time payment for the total or partial value of an asset. Cash flow- A revenue or expense stream that changes a cash account over a given period Uneven cash flow stream- Any series of cash flows that doesn’t conform to the definition of an annuity is considered to be an uneven cash flow stream. 4-1 problem Solve for FV 10,000 × (1.10)5 power 10,000 × 1.6105 16,105.10 4-2 At = A0 * (1+r/100m)^mt At= 5000 A0 =? r= 7%, m = 1 t = 20 Answer =$1,292.10 4-3 (FV) = 1,000,000 (PV) = 250,000 (n) = 18 years (i) = ? 1,000,000 = 250,000 (1 + i)15 power = .801% 4-4 i = 6.5% n =? PV = 1000 FV =2000 1000 = 2000 / (1+0.065)n power (1.065)n power=2 I put 11 in for n 11.01 4-6 S = R(((1 + i)n - 1) / i) *(1 + i) $300(((1 + .07)n - 1)/.07) S = $1725.22 * 1.07 S = $1845.99 Each year – $1,725.22 Due- $1,845.99 4-8 Financial calculator used N = 60 I = 1 PV = -20000, FV = 0 PMT = $444.89 EAR formula = (1.01)12 – 1.0 = 12.68%. NOM% = 12 P/YR =12 EFF% = 12.6825% PMT= $444.89 EAR= 12.6825% ...
Words: 733 - Pages: 3
...Financial aid should not be given to people with heavy criminal records General Statement: The rate at which the criminal acts being perpetrated in the World today is unacceptable. Most criminals have found it very easy to go about continuing to commit such criminal act because they know that regardless of their records, they are still going to get what a non-criminal gets; financial aid. Financial aid should not be given to people with heavy criminal records due to wastage of resources, trust issue and difficulty to advance or grow. Topic Sentence 1 * Wastage of Resources * Lack of dedication and involvement after the rendering of such financial aid * They tend to spend it on drugs or other criminal activities which they enjoy or find interesting * Trust Issues * It is difficult to trust a criminal or an ex-criminal after all once a criminal forever likely to be a criminal * Fears of people with heavy criminal records disappearing or disappointing after being given such aid or aids * Difficult to Advance or Grow * Study Loan or Aid (they tend not to focus on their studies and are distracted based on their criminality) * Business Loan or Aid (their criminal record gives them a bad image outside which in turn affects their business, stales or stops their growth) Conclusion Although we cannot dispute the fact that some people with criminal records actually find a way to fight out of it and became law abiding...
Words: 294 - Pages: 2
...Personal Finance: Turning Money into Wealth, 5e (Keown) Chapter 2 Measuring Your Financial Health and Making a Plan 2.1 Using a Balance Sheet to Measure Your Wealth 1) Insolvency results from taking in more than you consume financially. Answer: FALSE Diff: 2 Topic: Net Worth 2) In some cases insolvency can lead to bankruptcy. Answer: TRUE Diff: 3 Topic: Net Worth 3) Having negative net income will not affect your net worth. Answer: FALSE Diff: 3 Topic: Net Worth 4) The house that you are leasing from the landlord is a good example of a tangible asset on your balance sheet. Answer: FALSE Diff: 2 Topic: Assets 5) Current liabilities are those that can typically be paid off in full within twelve months. Answer: TRUE Diff: 1 Topic: Liabilities 6) To determine your level of net worth, subtract your liabilities from your positive net equity. Answer: FALSE Diff: 2 Topic: Net Worth 7) Before you can hope to achieve your financial goals, you will need to first measure your current financial health and develop a plan and a budget. Answer: TRUE Diff: 1 Topic: Nothing Happens Without a Plan 8) When measuring your current financial condition it is important to create A) positive net worth. B) a personal balance sheet. C) an income statement. D) positive net income. E) both B and C are required. Answer: E Diff: 2 Topic: Balance Sheet 9) Assets that you purchase for the purpose of accumulating wealth to satisfy your...
Words: 5350 - Pages: 22
...Chapter 12 Macroeconomic and Industry Analysis 1. A top-down approach to security valuation begins with an analysis of the global and domestic economy. Analysts who follow a top-down approach then narrow their attention to an industry or sector likely to perform well, given the expected performance of the broader economy. Finally, the analysis focuses on specific companies within an industry or sector that has been identified as likely to perform well. A bottom-up approach typically emphasizes fundamental analysis of individual company stocks, and is largely based on the belief that undervalued stocks will perform well regardless of the prospects for the industry or the broader economy. The major advantage of the top-down approach is that it provides a structured approach to incorporating the impact of economic and financial variables, at every level, in to analysis of a company’s stock. One would expect, for example, that prospects for a particular industry are highly dependent on broader economic variables. Similarly, the performance of an individual company’s stock is likely to be greatly affected by the prospects for the industry in which the company operates. 2. The yield curve, by definition, incorporates future interest rates. As such, it reflects future expectations and is a leading indicator. 3. Stalwarts. They tend to be in noncyclical industries that are relatively unaffected by recessions. 4. A supply shock 5. Financial leverage...
Words: 2530 - Pages: 11
...Business essays you write, no matter whether it is on Finance, Management, Marketing, sustainability, E-Business, employee management or any other topic, must be good enough to get you grades as well as be an asset to your portfolio. At VivaEssays, we offer excellent business essays writing service. Backed by our team of highly professional, expert writers, we assure you of the best quality. Our writers have enough experience writing business essays for colleges and organizations. Before writing well structured, compelling and insightful business essays, it is necessary to follow certain guidelines. One of the most important aspects of writing good essays is to include relevant content and to substantiate your arguments with references. You must also use the right language, presentation and layout. The simplest way to do this is to break up business essays into stages. Before you start writing the essay, do a thorough research on the essay question. Find out what exactly does the topic question requires you to address. If you are allowed to choose your own topics, choose one that interests you. Conduct a good research on the internet and library taking care to choose authentic resources. You can take the help of interviews and surveys to get directly relevant content. Include sources such as case studies and articles from books written by noted scholars or from official journals. After making an outline plan, start writing your business essays in precise language...
Words: 412 - Pages: 2
...MBA Admissions Essay Powerful Tips for Improving Your Odds of Gaining Admission to the MBA Program of Your Choice Admissions essays are easily the most challenging part of the MBA application process, and it’s no wonder. Most people don’t like to write, and even those of us who do enjoy writing can come up blank when called upon to write about ourselves, especially when so much is at stake. The fact remains: If you want to go to business school, you have to be able to generate one or two thousand carefully chosen words that sum up your background and experience, your career goals, your reasons for seeking the MBA, and why you’ve chosen the program to which you’re applying. Step one: Relax. Writing admissions essays is stressful—it’s supposed to be stressful— but that doesn’t mean it’s impossible. Everyone who has ever applied to business school has written admissions essays, and so can you. All you have to do is submit essays that are a little bit better than most of the others, and if you follow the advice we’ll cover in the following pages, it will be a lot less painful. How to Write a Successful Most MBA essays are mediocre The good news is that most MBA admissions essays are mediocre at best. If you can at least come up with a marginally compelling narrative, and if you can spell and punctuate everything correctly—or know someone who can—you’ll automatically have an advantage over much of the competition. This guide is designed to help you get started (the hardest...
Words: 5885 - Pages: 24
...re-examine in particular the retail aspects of their operations seeking to remain competitive on the high street and also making cuts where necessary. In this current financial climate, banks are unwilling to finance each other, with the UK market on the verge a projected severe recession any of the retailing factors that may influence Barclays competitiveness on the high street depends largely on how the Bank of England and the Treasury seek to regenerate and reinforce the flagging confidence of the stock markets which as we have seen in other financial institutes the sharp fall in market value and speculation can lead to disastrous consequences. Related Pages: * HUMAN RESOURCES ESSAY * FREE SCOTTISH POWER ESSAY * FREE BUSINESS ESSAYS: * SYSTEMS INTERVENTION STRATEGY * MULTI NATIONAL ENTERPRISES ESSAY Order NowInstant Price Business Essay Resources: * ------------------------------------------------- Free Business Essays * ------------------------------------------------- Business Resources * ------------------------------------------------- Business Operations * ------------------------------------------------- How to Write a Business Essay * ------------------------------------------------- Accounting & Finance Essays *...
Words: 276 - Pages: 2
...CLRC Writing Center Writing a Compare/Contrast Essay As always, the instructor and the assignment sheet provide the definitive expectations and requirements for any essay. Here is some general information about the organization for this type of essay: • A comparison essay notes either similarities, or similarities and differences. • A contrast essay notes only differences. • The comparison or contrast should make a point or serve a purpose. Often such essays do one of the following: Clarify something unknown or not well understood. Lead to a fresh insight or new way of viewing something. Bring one or both of the subjects into sharper focus. Show that one subject is better than the other. • The thesis can present the subjects and indicate whether they will be compared, contrasted, or both. • The same points should be discussed for both subjects; it is not necessary, however to give both subjects the same degree of development. • Some common organizational structures include: (see note below) Block method (subject by subject) Point by point Comparisons followed by contrasts (or the reverse) • Use detailed topic sentences and the following connecting words to make the relationship between your subjects clear to your reader: Connectors That Show Comparison (Similarities) In additon Correspondingly Compared to Similarly Just as As well as Likewise Same as At the same time Connectors That Show Contrast...
Words: 1376 - Pages: 6
...org/Postgraduate MSc, MA & MBA Distance Learning In Business, Management & Finance! College Essay Essay Editor College Application Form KLE Medical College Essay Writing Ads Uk colleges www.click-courses.com/uk_colleges Apply Online Today. 100s of courses in UK for International Students. Tips for the Personal Essay Options on the Common Application Avoid Pitfalls and Make the Most of Your Personal Essay By Allen Grove Important Note: The Common Application is changing on August 1st, 2013! The tips and sample essays below will still provide useful guidance for the new Common Application, but be sure also to check out these Tips for the 5 New Common Application Essay Prompts. The first step to writing a stellar personal essay on your college application is to understand your options. Below is a discussion of the six essay options from the Common Application. Also be sure to check out these 5 Application Essay Tips. Option #1. Evaluate a significant experience, achievement, risk you have taken, or ethical dilemma you have faced and its impact on you. Note the key word here: evaluate. You aren't just describing something; the best essays will explore the complexity of the issue. When you examine the "impact on you," you need to show the depth of your critical thinking abilities. Introspection, self-awareness and self-analysis are all important here. And be careful with essays about the winning touchdown or tie-breaking goal. These sometimes have an off-putting...
Words: 296 - Pages: 2
...prizes awarded for the best essays and such awards could help to support your University Application as evidence of outstanding academic work and independent effort. How long and of what nature should my essay be? Your essay should be between 2,000 and 2,500 words (excluding notes and bibliography) and represent original and independent work. There may be a case for writing a slightly shorter essay if one of your universities requires a shorter sample essay. Supplying an accurate word count is in any case crucial. Your essay should aim to be quite a focused piece and be a work of analysis and interpretation rather than just description. You may need to seek advice on the planning, structuring and the title of your essay. Some modifications may be necessary for scientific submissions. Where will inspiration for my essay come from? Your essay may, or may not be, a further development of normal subject work (e.g. Physics Research and Analysis, English Phillimore, History Gibbon Prize etc); it may be on subjects which have no existing prizes; it may be on a subject which is not on the curriculum (e.g. Anthropology) or which is cross-curricular (e.g. English and History of Art); or it may have emerged from Cultural perspectives lessons, the Cultural Perspectives timed essay which you take at the end of this term, be inspired by Critical Thinking work or be a ‘further developed’ praebendum essay. You should state in a covering note how and why the essay came about. Of course,...
Words: 1271 - Pages: 6
...GEOGRAPHY OF THE MIDDLE EAST & NORTH AFRICA Geog 209 - Fall 2014 T-Th 12:00-1:20 Plus Discussion Section and evening films McKenzie 240A Prof. Shaul Cohen Condon 107G Tel. 346-4500 Office Hours Tuesday 12:00-1:00 OBA scohen@uoregon.edu GTFs Ashley Wall Jennings Office Hours M 1:00-2:00 ajenning@uoregon.edu Christine Carolan ccarolan@uoregon.edu Purpose: This course explores the geography of the Middle East with an emphasis on politics, culture, and regional cohesion. Through a variety of sources including modern literature, film, images of landscape, traditional academic texts and the daily news, we will pursue an understanding of those elements that characterize the region, as well as those features that are distinct and mark different peoples and places. We will examine local, sub-national, national, and international issues relating to identity and status, history, environment, economy and other topics, in an attempt to create a portrait of daily life in the many venues of the region, whether they be urban or rural, coastal or desert, North African or Asian, Muslim, Christian, Jewish, Arab, Israeli, Turkish, Iranian, and so on. Our goal will be to use the information available to us to discern patterns in the region that allow us to grasp its richness and complexity, to gain a sense of its past, contextualize current changes, and to anticipate future directions. Resources: For this course we will work from a number of selected writings, and...
Words: 2186 - Pages: 9
...Post your essay. Get expert feedback. For free. We're trying to help students improve their writing the hard way. Do you know students who want critical essay reviews from a professor of English Literature? Click like to share. Click here to sign up and post your own essay. We offer no paid services. All reviews are completely free. Online Education Vs.Traditional Education - With A Free Essay Review Online Education Vs. Traditional Education; University Of Phoenix; Composition One; B. White While Online Education and Traditional Education have similar curriculum, they differ in flexibility, tuition, and being a visual learner to those who are not. There are similarities in the both and that is no matter which one you would choose whether it be online education or traditional education you are achieving your goals that you have set for yourself. While having Online Education, there is more flexibility than traditional classroom because you can do your coursework any time of the day or night without having a set schedule when you have to do your coursework. There are so many people that are choosing to further their education by taking online courses instead of traditional classroom because of their busy work schedules. Professors teaching online education have set hours that they are on to answer any questions that you may have just like they do in a traditional classroom With cost of tuition on the rise it is still cheaper to furthering your education by taking...
Words: 1411 - Pages: 6
...Sample MBA Essay - Stanford Graduate School of Business - Ben | MBA ... Page 1 of 3 « Back to Sample Essays for Top Business Schools Print Ben Below is one of Ben's essays for his Stanford application. We present the essay in its original form, with just cosmetic changes made to protect the author's identity. We then provide comments and suggestions, based on the advice available in Your MBA Game Plan. The question that he answers in this essay is: What are your short-term and long-term career aspirations? How will an MBA education further your development? Why does the academic experience offered at the Stanford GSB appeal to you? (Unlimited length) I work at the Information Technology industry since 1993, when I was recruited to the classified electronic surveillance unit of Israel Defense Force (IDF). Since I've advanced to management positions in a very early stage of my professional career (at the age of 19 I've already finished the IDF Technical Officers course and was positioned as a Team Leader commanding 8-10 network professionals and computer technicians), it was a natural step to continue my career on management positions in the industry after my release from the active duty at 1997. I started my civilian career as an Information Systems Manager at Mobile Solutions Ltd., a dynamic Ireland-based start-up company developing various hardware devices for mobile satellite antenna’s technology. During my military service I've come to realization that in order to...
Words: 2709 - Pages: 11
...Names Professor’s Name Course Number Date How Children Succeed, by Paul Tough Paul Tough disputes that those characters that mater most have more to do with the behaviors of an individuals. Proficiencies like determination, inquisitiveness, and self-control have all been seen to have an impact on a person’s behavior. Consequently, this paper is going to provide a mini essay concerning Toughs major claims and supporting claims in how children succeed as from page 165-181. The paper will also end with an essay three thesis that highlights on what has been learnt from Toughs main claims. According to Tough on college conundrum, it is seen that the majority of the children from poor families do struggle in getting education as compared to those in the rich families. It is clear that “over the past few decades, it has become evident that the United States does not so much have an issue of restricted as well as uneven college admittance. It has a challenge of incomplete and lopsided college achievement (Tough, p. 150).” Concerning this it is clear that the United States does not concentrate on one background when it comes to ones college admission. They say that the most challenging fact presently is the non-fulfilling college accomplishment. Therefore, it can be pointed out that the college conundrum as stated means that the majority of the grades tend to show more than the mystery content. They say that this discloses characters of motivation...
Words: 1313 - Pages: 6
...identify how to write a business essay with subjects like Finance, Marketing, Management and others, certain guidelines may help you in developing the essay which is perceptive, coherent and credible. The most significant considerations about how to write a business essay are that it provides related content as well as its opinions being supported with qualified examples or references. Some other important factors about how to write a business essay include management, design and usage of the suitable language. Breaking the procedure of how to write a business essay into different phases makes it less daunting and ensures that you cover all the angles. Prior to writing you business essay, you should: 1. Study the Essay Question: Determine exactly what the title or essay question is requesting you to deal with. Examine any particular wording for exercises and the approach that you need to take. The keywords that appear often in the business questions incorporate ‘analyse’, ‘illustrate’, ‘discuss’, ‘describe’, ‘compare’, ‘interpret’, ‘criticise’, ‘examine’, ‘review’, or ‘explain’. The question like ‘observe how use of the Internet could impact on the Marketing Mix for the organization’ might engage an exhaustive presentation of issues as well as an investigation for its implications. The topic implies ‘discussing’, so you will need to review the key arguments and provide reasons for as well as against. In this case, compose your individual essay question; choose a topic that...
Words: 1116 - Pages: 5
