...essential for proper financial planning. The following exercises will assist you in understanding the concept of time value of money. Download and complete this worksheet for problem 2 below which is taken from the Do the Math exercises on pages 30-31 of your textbook. Do the Math Problem #2: Present and Future Values. Rachael Berry, a freshman horticulture major at the University of Minnesota, has some financial questions for the next three years of school and beyond. (a) If Rachael’s tuition, fees, and expenditures for books this year total $12,000, what will they be during her senior year (three years from now), assuming costs rise 4 percent annually? Use Appendix A-1 on page A-4 of your textbook. (b) Rachael is applying for a scholarship currently valued at $5000. If she is awarded it at the end of the next year, how much is the scholarship worth in today's dollars, assuming inflation of 3 percent? Use Appendix A-2 on page A-6 of your textbook. (c) Rachael is already looking ahead to graduation and a job, and she wants to buy a new car not long after her graduation. If after graduation she begins an investment program of $2,400 per year in an investment yielding 6 percent, what will be the value of the fund after three years? Use Appendix A-3 on page A-8 of your textbook. (d) Rachael’s Aunt Karroll told her that she would give Rachael $1,000 at the end of each year for the next three years to help with her college expenses. Assuming an annual interest rate of 2 percent...
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...in Mathematics University of Minnesota – Twin Cities Major in Mathematics (specialization in Actuarial Science) Cumulative GPA: 3.70/4.0 Expected Graduation Date: 12/2011 08/2008 – 12/2009 EXPERIENCE Member, Actuarial Club in New York University 01/2010 – Present Director Assistant, Canadian Chamber of Commerce in Shanghai 06/2009 – 08/2009 • Designed 2010 Expo Guide for Canadians in Shanghai. • Coordinated events on Canada’s Day and assisted Administrative Director with related projects • Located and entered data into several databases; made phone calls, and ensured timely mail processing. • Assisted administrative team members with clerical function. Dining Service Associate, University of Minnesota – Twin Cities 09/2009 – 12/2009 • Maintained inventory of standard dining service supplies and assists manager coordinate attendants. Member, Actuarial Club in University of Minnesota – Twin Cities 01/2009 – 12/2009 • Arranged the preparation of Casualty Actuarial Society (CAS) exam Volunteer, Students Today Leaders Forever 03/2009 – 12/2009 • Assisted the donation of food to Minnesotans at risk of hunger. Volunteer, in school for the Mute and the Deaf in Zhoushan, Zhejiang Province 2006 – 2009 • Taught disabled students Mandarin. Policy-analyst, Model United Nation in Shanghai K.J. Senior High School 2006 – 2008 • Analyzed UN policies for Model UN conferences HONORS/ AWARDS Honor Program, Awarded by Associate Dean of University of Minnesota – Twin Cities Global Excellent...
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...The CREDO study done by Stanford University backs up the claim made by Minnesota Law School. The study showed that in 16 states including the District of Columbia charter schools performed at the same rate as traditional public schools. Only 17% of charter schools performed better than their traditional school counterparts. A total 37% of charters, performed worse than traditional public schools. The goal of charter schools is to better the learning environment for students, but it seems that it may be making the learning situation worse. The same study showed that charter school students on average see a decrease in their academic growth in reading and math by of .01 and .03 standard deviations, respectively. Though it is apparent that charter students in elementary and middle school grades have significantly higher rates of learning than in traditional public schools. When these students are examined at high schools and multi‐level schools they have significantly worse results. Some would argue that this disparity is due to the fact that charter schools serve a different population of students who learn differently...
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...Head Start 1 Running Head: HEAD START Social Policy Study Improving Head Start Act of 2007 Kristin Sancken University of Minnesota Head Start 2 I. Introduction Head Start is a beloved program and one of the few social welfare programs that continues to garner strong support from both sides of the aisle. It has seen very little shift in public perception over the last 44 years since it’s creation as part of President Johnson’s Office of Economic Opportunity, and politicians have framed it essentially the same way during that time, namely, a way to provide the least fortunate with a chance at educational opportunity. Every few years, the Head Start Act must be reauthorized by the U.S. House and Senate in order to continue receiving federal funding. The Head Start Act itself states that its purpose is to, “promote the school readiness of low-income children by enhancing their cognitive, social, and emotional development”(U.S. Department of Health and Human Services, 2008). Head Start focuses on growth in a variety of areas such as acquisition of language, literacy, math, science, social and emotional functioning, creative arts, and physical education (Kildee, 2007; U.S. Department of Health and Human Services, 2008). To reach these lofty goals, Head Start provides a holistic blend of services to low-income children and their families, based on family needs (Kildee, 2007; U.S. Department of Health and Human Services, 2008). The latest reauthorization...
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...GMAT ® - Graduate Management Admission Test ® Official Score Report - Test Taker Copy JOHN MICHAEL SMITH 234 First Avenue Bloomington, MN 55437 United States Issue Date: 26 June 2012 Test Taker Information Telephone Number: E-mail Address: 952-555-2222 JohnSmith@yahoo.com Date of Birth: 01 January 1950 Gender: Country of Citizenship: Male United States GMAT ID: 100000000091 Appointment Number: 9900428435 Optional Test Taker Information (Self-Reported) Graduation Date: Undergraduate GPA: 3.90 (Based on a 4.0 scale) Highest Education Level: Completed my undergraduate or university degree Undergraduate Institution: Undergraduate Major: Intended Graduate Study: Hotel Administration Test Information (Score / % Below) For the Quantitative, Verbal, Total and Analytical Writing sections, the percentages shown below represent the proportion of tests taken in the previous three years with reported scores lower than this score. The percentage shown below for the new Integrated Reasoning section represents the proportion of IR tests taken so far with reported scores lower than this score. This percentage is updated monthly for the first six months and annually thereafter. To view the most recent percentile table, please visit mba.com. See below for alphabetic score key. Test Date Verbal Quantitative Total 06 June 2012 35 / 76% 51 / 99% 680 / 89% § C (Self canceled)-Test taker voluntarily canceled...
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...Education and the Crime Rate How Education Lowers Crime Washington State University Economics 490, SES Capstone Abstract The main objective of this paper is to analyze the impact of education on the crime rate. The majority of people would assume that increased levels of education would lower the crime rate in a given area. This paper helps to reinforce this idea based on the conclusions reached from the research. There are also a few unexpected results such as higher levels of income per capita having higher rates of violent crime. In the end though, the data and research cement the idea that education is a good crime prevention tool. Introduction Crime rates are a concern for every major city in the United States, as well as the world. Why do some cities have higher crime than others? What needs to be done to lower crime rates? These are a few of the questions asked on a daily basis. A very effective tool to fight crime may very well be education. Most Americans would probably prefer to have their tax dollars go towards improving education instead of having to fund a larger police force. Raising education levels is more of a proactive approach whereas adding to the level of law enforcement is retroactive. Prevention is always better than having to fix a problem after it has occurred. The goal of this paper is to compare the relationship between education and crime rates. I will do this by using data on...
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...educational agenda. The four major components of the law are stronger accountability, more freedom for states and communities, proven educational methods, and more choice for parents. One of the purposes of the law was to require schools to pay more attention to a segment of the school population specifically, minorities and poor who were being left behind. The law requires that no later then 12 years after the 2001-2002 school year every student who attends public schools shall achieve academic proficiency as determined by state tests. Literature Review NCLB measures rely primarily on indicators of performance such as large-scale assessments and other objective measures of school success. NCLB requires all states to have core academic standards, and furthermore dictates that states will need to bring all students to proficient levels in language arts and mathematics by 2014. In the meantime, states must show that districts are showing adequate yearly progress (AYP) towards those goals. The criteria for meeting AYP are as follows: • Establish “annual measurable objectives” of achievement (i.e. state assessments) • At least 95% of all students must be included in state assessments • Assessment...
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...Elementary School Teacher Research Paper An Elementary teacher is responsible for instructing students in school from grades K-5. They create lesson plans, administer praise and constructive criticism, instruct students on subjects such as science, literature, and math, and create a well-rounded, comprehensive instructional program. Tasks: The primary responsibilities consist of a large list. They must create instructional for use in the classroom. They have to plan, prepare, and distribute instructional activities. Create a positive climate for the students to learn in. Meet the course and student-wide performance goals. Participate in on-going training sessions. Create lesson plans and modify accordingly throughout the year. Maintain the grade books. Grade papers and perform other administrative duties as needed. Create projects in order to enhance lectures. Read and stay abreast of current topics in education. Create lesson plans. Utilize various curriculum resources. Utilize curricula that reflect the diverse educational, cultural, and linguistic backgrounds of the students served. Observe and evaluate student’s performance. Manage student behavior in the classroom by invoking approved disciplinary procedures. Conditions: The general working conditions can be quite ideal depending on certain circumstances. You get summer off, and always are out of the school building around 5pm, depending on how late you plan to stay at the school after class session has ended for...
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...Annotated Bibliography Finkel, E. (2010, November 1). Black Children Still Left Behind DistrictAdministration.com. Retrieved October 22, 2012, from http://www.districtadministration.com/article/black-children-still-left-behind In this article, Ed Finkel discusses the effect No Child Left Behind had on minority students, in particular African-American students. Finkel uses data from the National Assessment of Educational Progress to support his claims that African American students have been negatively impacted by the No Child Left Behind Act that was passed almost a decade prior. Finkel interviews several sources who work for or with educational institutions to get their expertise in the matter. The information that was provided in this article gives a clear stance on African-American education and the effect No Child Left Behind has had on it. It also provides specific examples of how detrimental the Act has been. Ed Finkel has been a writer for over twenty years. He writes mainly about public policy, with a special emphasis on education. Finkel worked as a writer for Chicago Lawyer Magazine, and he also writes for DistrictAdministration.com which is a website dedicated to school district management. Finkel's writing is clear and concise and he only makes claims with supporting evidence. The information will be added to my paper to attest that African-American children score lower on standardized tests, graduate high school at lower rates, and are considerably more likely...
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...City: MOBILE Phone 1: 251-431-9377 State: AL Phone 2: Country: US 251-431-9377 Postal Code: 36619 First (Given) Name Kharan Last (Family) Name Witherspoon Middle Initial SSN #: xxx-xx-4884 Primary Email: kwspoon27@gmail.com U.S. Citizen? Yes No Yes (if yes, send copy of green card) Yes No Yes No No Legal Permanent Resident? Is English your first language? Have you ever been convicted of a criminal offense (other than minor traffic offenses)? If yes, please describe: EDUCATIONAL RECORD Name of High School / Secondary School: John L. Leflore City: Mobile Please list all colleges/universities previously attended: Name Southwest Bishop State Community College City Mobile State AL Dates of Enrollment 1999 - 2000 State: AL Date of Graduation: 1996 I certify that the above information is true and correct and make application for admission to this institution. I understand that the institution does not guarantee employment or salary. Electronic Signature on File Applicant’s Signature 12/05/2014 Date Colorado Technical University 4435 North Chestnut Street, Suite E * Colorado Springs, CO 80907 * Tel:(800)416-8904 * enroll.coloradotech.edu Application For Admission Eff. 6/30/11 Kharan Witherspoon / 19312957 / 19805989 / [1249554] I would like to refer the following family members/friends to Colorado Technical University: Name City State Home Phone Work Phone E-Mail Address CTU does not discriminate on the basis of race, gender, sexual orientation, religion...
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...Polis Bilimleri Dergisi Cilt:9 (1-4) Turkish Journal of Police Studies Vol: 9 (1-4) A COMPARATIVE STUDY OF THE POLICE TRAINING IN THE UNITED KINGDOM, THE UNITED STATES AND TURKEY ngiltere, Amerika Birleşik Devletleri ve Türkiye’deki Polis Eğitimlerine Karşılaştırmalı Bir Bakış Cemil DOĞUTAŞ* Osman DOLU ** Serdar Kenan GÜL*** Özet olis eğitimi konusunda dünyada farklı ülkeler süre ve içerik yönüyle farklı yöntemler uygulamaktadırlar. Türkiye’deki geleneksel teori ağırlıklı ve uzun süreli olan polis eğitimine karşın ngiltere ve Amerika Birleşik Devletleri’nde polis eğitiminin daha kısa ve uygulama merkezli olduğu göze çarpmaktadır. Bu nedenle de bu ülkelerdeki polislik anlayışı ve polisiye uygulamalar da farklılık arz etmektedir. Bu çalışma ngiltere, ABD ve Türkiye’deki polis eğitim sistemlerini karşılaştırmalı olarak analiz edecek, güçlü ve zayıf yönlerini inceleyerek benzer ve farklı yanlarını ortaya koyacaktır. Sonuç olarak bu çalışma, söz konusu ülkelerdeki en iyi uygulamalar ışığında daha iyi bir polis eğitiminin nasıl olması gerektiği konusunda öneriler getirecektir. Anahtar Kelimeler: Polis Eğitimi, Teorik Eğitim, Uygulamalı Eğitim, Müfredat. Abstract here are different practices in police training in different parts of the world in terms of their content and length. Police training in the United Kingdom and the United States are relatively short and practice-oriented compared to the long and theory-oriented training tradition in Turkey. Therefore, policing philosophy...
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...The impact of early childhood programs Ditty A. Kone Strayer University Due Date: December 05th, 2010 Abstract Early childhood education programs have flourished over the past few decades as more and more parents come to believe in the benefits of starting children’s education as early as possible and find themselves in need of daycare. These programs play an important role in children education by giving them a jump-start in emotional and intellectual development. This paper will discuss (1) the importance of early childhood education programs; (2) the different types of early childhood education program and (3) the advantages and disadvantages these programs may play in young children education. Early childhood education programs are the types of educational programs that are designed for children from birth to 8 years old to improve later school performance. As we know, education is an asset for everyone and probably the most important pert when it starts at early childhood. Early childhood education programs are not only aimed to better outcomes for children and their families by providing them with a variety of support services, but they also provide learning opportunities to children. These Programs may not give to children the one to one attention some of them may need to strive but it is very important and necessary because it give most children a jump-start on education, increase cognitive skills at the beginning of kindergarten and...
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...Sample Outputs 6. Professional Growth 6.1 Challenges 6.2 Technical Skills Acquired 6.3 Business/Management Skills Acquired 6.4 Lessons I Would Apply to Next Internship 7. Summary/Conclusions pg. 3 pg. 4 pg. 4 pg. 4 pg. 5 pg. 5 pg. 5 pg. 5 pg. 5 pg. 6 pg. 6 pg. 6 pg. 6 pg. 7 pg. 7 pg. 7 pg. 7 2 1. Biographical Sketch I am originally from Silver Spring, Maryland, located in the Washington, DC metropolitan area, and am currently a graduating senior at Florida A&M University, majoring in Computer & Information Sciences. After graduation, I will be attending graduate school, in the Fall 2003, to pursue my master’s degree in Computer Science, at, hopefully, New York University. As far as previous internships, I have had three summer internships with 3M, starting the summer after my freshman year, and, in this report, I will be discussing my third and last internship with 3M this previous summer. 2. Company Background 3M, which stands for Minnesota Mining and Manufacturing, is headquartered in St. Paul, MN, and is a diversified manufacturer of products for the health-care, industrial and consumer, transportation, safety, and chemical markets. Some notable products 3M manufactures are Scotch TapeTM, Scotch GuardTM, and Post-it NotesTM. The company was established in 1902 and, as of 2001, had 71, 669 employees worldwide, with operations in more than 60 countries. 3. Internship Program 3M’s internship program provides summer...
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...September 11, 2013 By Timothy Hale, U.S. Army Reserve Command Chief Warrant Officer 5 Phyllis J. Wilson, the U.S. Army Reserve command chief warrant officer, shared what she sees as the top five qualities: strong character, strong leadership skills, technical savvy, across the board competence, and the capacity to be a counselor, adviser and mentor. "We want some of the best NCOs to come into the Army warrant officer corps," Wilson said. "You've got to be extremely good at your skill set: being a strong leader and knowing your technical skills so you can advise -- the same things that the rest of the Army leadership talks about." She said the competence a warrant officer must have is not only the technical aspect of their MOS, but also tactical competence. "Character -- that's not exchangeable for anything else," Wilson said. The path to becoming a warrant officer is not unlike the enlisted or officer career track. Once recruited, warrant officer candidates attend the five-week Warrant Officer Candidate School, known as WOCS, at Fort Rucker, Ala. "It's a very vigorous course of training," Peak said. "The course is designed for the cadre to evaluate the candidates' skills, qualities, and traits to ensure they are commensurate to what the Army expects of a warrant officer one." He said that individual skills and leadership capabilities are tested along with transition training from being enlisted to officer. * Copyright © 2013 TheHuffingtonPost.com, Inc...
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...Testing in schools has always been common; teachers need a way to arbitrate if students are understanding and obtaining the knowledge being taught. However, a different type of test is becoming prominent in school systems. Standardized testing, examinations administered and scored in a standard manner (7), are taking over the school systems. Standardized tests administered to students are either aptitude tests or achievement tests. Aptitude tests predict student’s performance, like the common ACT and SAT that colleges frequently use; achievement tests evaluate teacher and school effectiveness (7). Although standardized tests are becoming significant in school curriculum, the results do not accurately represent student or teacher abilities....
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