...MBA/MFM 253 TVM Practice Problems 2 Fall 2011 1. You are considering buying a new car. The current price of the car is $25,000. The dealer has offered you a special nominal interest rate of 3% each year for the next 3 years if you finance through the dealership. a) What is your monthly car payment? PV = 25,000 I = 0.25 N = 36 FV = 0 PMT =? = $727.03 25,000 = PMT (1-(1/(1.0025)36))/.0025 b) You are considering putting a $5,000 down payment on the car, what would your payment be if you did this assuming you could still get the special interest rate? $581.62 c) In either case what is the effective rate of interest you paid on the car? 1.002512=1.030416 3.0416% 2. A given rate is quoted at an effective annual rate of 12.55%. If you know that the interest compounds quarterly, what is the nominal annual rate? 12% Need to find the rate that when compounded four periods will equal .1255 solve for r in the following equation (1+(r/4))4=1.125 3. What is the PV of an annuity that pays 10,000 a year at the end of each of the next 15 years assuming a 5% return? $103,796.58PMT = 10,000 N=15 I = 5 FV = ) PV = ? What is the PV of an annuity that pays 10,000 a year at the beginning of each of the next 12 years assuming a rate of 7%? $84,986.743 3. PV and FV problems that are a little harder ( you need to figure out the pieces, the final answers are there – but you need to figure out how it set it up – the set up is usually the trickier part and the...
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...BIG TIME TOYMAKER - CASE SCENARIO 2 Big Time Toymaker - Case Scenario Upon completion of required reading of “Theory to Practice” scenario, I confidently can report that the two parties never prepared a written contract. A written contract was supposed to be created for a deal between Big Time Toymaker (BTT) a company, which develops, manufactures, and distributes board games and other toys in North American and Chou who invented a new strategy game Strat. A contract was in process even the details had been identified, however; it fell through the cracks because of the management change at BTT. Initially, BTT paid Chou $25,000 for exclusive negotiation rights for a 90-day period and held meeting where details were discuss and agreed upon. Chou received an e-mail with the details of the contract, however; nowhere on the e-mail did it note that it was a contract. A month a lapsed without any interaction between BTT and Chou than Chou received a fax from BTT requesting a draft for a distribution agreement contract. Chou took care of that immediately and did not hear back from BTT for several months. New management at BTT took over and made the decision to informed Chou that they are no longer interested. The facts weigh against Chou because there was intent to contract. An official contract was never created between the two parties, which was the requirement in the negotiations. Second, the e-mail that included all the contractual details was never identified as contract...
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...Best practices for managing your time and stress associated with balancing graduate school and other life responsibilities. In graduate schools, many students find very difficult to balance their work and time particularly because of the responsibilities that clash with their education. As such, many students become stressed out there is too little time and so much to attend to (Linden, 2007). To avoid such stressful scenarios, it is imperative for the students to get their priorities straight. This implies that the students should be ready and able to know what matters most in their lives. Having a checklist of the things to do, starting with the one on the highest priority should be the starting point. Besides, students ought to learn to be assertive and how to say no. Apparently, students use up so much time attending to activities that are not very important to them and to their studies (Linden, 2007). Despite the influence of peers, the students should be able to cut down the activities that use up to much of their time. It is important for students to ‘be present’. By this I mean that students ought to focus on each thing at a time. For instance, if a student wishes to visit friend or relatives, they should try to forget about school and be with their friends or relatives. The reverse is also true. Besides, (Linden 2007) articulates that students should find time for themselves to recharge. It is clear that majority of students will find graduate school very demanding...
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...PSYCH 625 Week 3 Individual Assignment Time to Practice (Parts A,B,C) http://homeworkfy.com/downloads/psych-625-week-3-individual-assignment-time-practice-parts-abc/ To Get this Tutorial Copy & Paste above URL Into Your Browser Hit Us Email for Any Inquiry at: Homeworkfy@gmail.com Visit our Site for More Tutorials: (http://homeworkfy.com/ ) PSYCH 625 Week 3 Individual Assignment Time to Practice (Parts A,B,C) http://homeworkfy.com/downloads/psych-625-week-3-individual-assignment-time-practice-parts-abc/ To Get this Tutorial Copy & Paste above URL Into Your Browser Hit Us Email for Any Inquiry at: Homeworkfy@gmail.com Visit our Site for More Tutorials: (http://homeworkfy.com/ ) PSYCH 625 Week 3 Individual Assignment Time to Practice (Parts A,B,C) http://homeworkfy.com/downloads/psych-625-week-3-individual-assignment-time-practice-parts-abc/ To Get this Tutorial Copy & Paste above URL Into Your Browser Hit Us Email for Any Inquiry at: Homeworkfy@gmail.com Visit our Site for More Tutorials: (http://homeworkfy.com/ ) PSYCH 625 Week 3 Individual Assignment Time to Practice (Parts A,B,C) http://homeworkfy.com/downloads/psych-625-week-3-individual-assignment-time-practice-parts-abc/ To Get this Tutorial Copy & Paste above URL Into Your Browser Hit Us Email for Any Inquiry at: Homeworkfy@gmail.com Visit our Site for More Tutorials: (http://homeworkfy.com/ ) PSYCH 625 Week 3 Individual Assignment Time to Practice (Parts A,B,C) http://homeworkfy.com/downloa...
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...Practice Policy 1) Be on time! Practice and games are mandatory. Early/late practice be dressed and on the floor 10 minutes before practice start time. For example, if practice starts at 4:00PM, you will be ready by 3:50 PM. This goes for scheduled weekend practices as well. The time will be based off our cellphones and not by the clock in the gymnasium and in the locker-room. Players that are late can expect to be placed on the minor consequence list. 2) Once practice has begun, the coaches have your focus to the end of practice. We all enjoy some humor/lighthearted conversations and there will be one warning given to their entire team during a practice if it is getting out of hand. This is the same for mouthing back, showing poor attitude/sportsmanship,...
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...Best Practices in an Organization’s Project Management Methodology Todd A. Jenderseck Florida Institute of Technology BUS 5668 Cases in Applied Project Management October 30, 2011 Best Practices in an Organization’s Project Management Methodology Every company should provide their project managers with best practices (Devine, 2011). The reason is fairly logical; for the company to make the most money, project managers (actually all employees) need to be as efficient as possible. One way to do this is to equip the project manager with the best practices that have been developed, learned, and implemented in the company in order to streamline the project management process. Without the establishment and sharing of such best practices, each project manager will have to “reinvent the wheel”. Such an activity requires time and effort that could be put to better use if the project manager had been given access to best practices at the outset of the project. Furthermore, the tool that the project manager eventually selects, may be sufficient for the project, but may not be the most efficient tool for the company. Best practices are the “optimal method recognized within a given industry or discipline to achieve a stated goal or objective,” (Devine, 2011, slide 11). Such practices will allow project managers to deliver consistent, predictable, and successful projects (Devine, 2011). However, since new practices are always being discovered and existing practices are always...
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...very powerful. If you practice these mudras regularly you can see the wonderful health benefits. | Long before this much publicity came to yoga my grand father used to practice asanas, chakras and mudras in yoga. To my knowledge my grandfather has never gone to a doctor. He has neither diabetes nor blood pressure. He taught us the way to practice mudras. Mudras are very powerful. If you practice these mudras regularly you can see the wonderful health benefits. 1. Gyan Mudra (Mudra of Knowledge): Method:Touch the tip of the thumb to the tip of the index finger, with the other three fingers stretched out. Specialty:As it is a mudra of knowledge, it enhances the knowledge. The tip of thumb has centers of pituitary and endocrine glands. When we press these centers by index finger the two glands work actively. Time duration:There is no particular time duration for this mudra. You can practice by sitting, standing or lying on bed whenever and wherever you have time. Benefits:Increases memory power and sharpens the brain * Enhances concentration and prevents Insomnia * If we practice it regularly, it will cure all psychological disorders like Mental, Hysteria, Anger and Depression 2. Prithvi Mudra (Mudra of Earth): Method: Tip of the ring finger touches the tip of the thumb, with the other three fingers stretched out. Specialty: It reduces all physical weaknesses. Time Duration: It has no particular time duration. You can practice it any time you want. Benefits: ...
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...CASE STUDY: THE VETERINARY PRACTICE Background. Simon Harrison has run a successful veterinary practice for many years from a large Victorian semi-detached house in a smart suburb of a large English town, about 30 miles from London. The practice caters for small animals. There are two qualified vets in Simon and his son Joe, who joined the practice a few years ago, and is now a partner. There is a senior veterinary nurse Ros, and two trainee nurses Rukia and Kath, plus Simon’s wife Anna, who, as a qualified nurse herself, plays an active role part-time. All the nursing staff have to act as receptionists too at times. There are two consulting rooms, one operating theatre /X-ray room, a drugs storeroom, a reception /office area, and a small waiting room. One problem at the current location is that vehicle parking by clients is very difficult in the busy, congested street. Simon is nearing retirement age but does not want to fully retire yet and would like to become part-time, with his son playing a larger role and the practice taking on a younger, more recently qualified vet. Joe is keen to do this but, as we will see below, has more ambitious plans, and if Simon were to agree, there are a number of aspects and activities of the practice that could be altered and improved at the same time. Even though veterinary services can be very expensive, the demand for them in the area is growing quite rapidly, as more people have pets and more people take out insurance for...
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...prosthetic market to reach over 82 million prosthetic placements by 2016.” (idata research.net, 2012) “Dental implants have earned the reputation of being the best aesthetic option for single-tooth replacement," said Dr. Kamran Zamanian, CEO of iData. "By 2016, over 20% of general practitioners are expected to place dental implants and their adoption of computer-guided-surgery will further the growth of this market." (idata research.net, 2012) In the past the treatment options were limited to extractions with no replacement teeth, dentures, or fixed bridges. All of these options were stop gap measures to maintain oral stability. The cost of progressively treating the loss of a tooth in one or more areas often involved multiple procedures and time, which made it very expensive. With implants replacing a tooth root, and giving the bone the support it needs in often one procedure, patients are seeing the permanent value implants give at a fixed cost. The consumer or dentist in our case is always looking to increase their margins, and lower their fixed operating costs. One of the most expensive costs is labor. With implants, the cost is fixed and a surgeon...
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...community and religious practices has always been one of the religions that I have been curious about. From looking on the outside in, I have always felt that they are a tight knit community along with their religious practices and I am glad that we are learning about the history of Judaism. In this paper we will discuss the time of year of the holy days, the historical origin of the holy days and the practices associated with the days, and the theological or cultural differences that might lead to differences in the observance of the holy day by the various branches of Judaism. When I think of holy days I compare them to the practices of my Christian beliefs. In Christian beliefs, Sunday, is the day that we relax with family friends while focusing on God. Along with that we celebrate other holidays such as Christmas and Easter which are the birth and resurrection days of Jesus Christ. In Judaism, the time of the week they observe as the holiday starts on sunset Friday and last until sunset Saturday at sunset. The reason why Jewish people have given this day as a time of rest is a symbol and reminder of how God created the earth and on the Sabbath day he rested. I remember my grandmother cooking Sundays dinner on Saturday’s and I always thought the reason for that was because after we had a long day of church we could come in and just warm the food up quickly so that we all could eat. Reading the practices of Judaism, I noticed that since the Sabbath day was a time for rest for them...
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...methodology by which to manage the project. Often the term “best practices” is referenced within a defined methodology. Documenting Best Practices: Mature Project Management Processes Best practice refers to the optimal method recognized within a given industry or discipline to achieve a stated goal or objective. These practices are consistently predictable and proven to provide successful results and these practices are dynamic—evolving and maturing over time (Devine, 2013). The Business Dictionary defines a best practice as a, “method or technique that has consistently shown results superior to those achieved with other means, and that is used as a benchmark (Business Dictionary, n.d.).” A more simple definition is that a best practice is a method or technique that has consistently shown results superior to those achieved with other means, and that is used as a benchmark. In addition, a "best" practice can evolve to become better as improvements are discovered. Best practice is considered by some as a business buzzword, used to describe the process of developing and following a standard way of doing things that multiple organizations can use. Organizations that have had constant success have adapted a unique version of the best practice method that accommodates what they do. There are a number of reasons that spur an organization to institutionalize a best practices capturing mechanism. Many organizations use best practices to do the following (Thomas, 2009): • Demonstrated Success:...
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...EVIDENCE BASED PRACTICE BENCY GNANASIGHAMANI AMERICAN SENTINEL UNIVERSITY Introduction Medical and health care is one of the most dynamic human disciplines, and large amounts of money are spent annually on high-quality and sophisticated research, resulting in an exponential growth in health care literature. Regularly, new and more effective medicines, medical devices, and procedures are invented. One major objective behind all these efforts is to help doctors, nurses, and medical technicians provide the best possible care and treatment to patients. In addition to using traditional and well-established procedures and practices, health care practitioners are adopting innovative interventions that are based on best practices as well as solid research-based evidence. Evidence-based practice is one such technique and is quickly gaining popularity due to its potential to effectively handle clinical issues and provide better patient care (ANA 2003). Implementation of Evidence Based Practice places additional demands on nurses to apply credible evidence to individual client situations through searching related evidence, using clinical judgments, and considering client values and system resources. To effectively apply the Evidence Based Practice process, in addition to the basic skills required to undertake nursing work, a nurse must have the ability to: identify knowledge gaps, formulate relevant questions, conduct an efficient...
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...corrects, molds, or perfects the mental faculties or moral character, behavior which results from such training; obedience to authority or rules; punishment meant to correct poor behavior”. The second goal of the Softball Program is to teach the girls how to work as a team to accomplish the teams and each individual player’s goals for the season. Remember, “ It ’s not the name that is on the back of the uniform i t ’s the nam e on t he front that counts ” . EXPECTATIONS 1. Players are expected to represent the community, school, and team with dignity and class at all times. 2. Players are expected to be at practice, on time and ready to work. 3. Players are expected to behave in the classroom, at school, and school sponsored events at all times. Failing is something inevitable, but misbehaving IS NEVER ACCEPTED. 4. Players are expected to encourage your teammates and keep a positive attitude at all times. 5. Be...
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...are continually evolving and changing, these fluctuations can oftern have massive implications for nursing practice. How we practice as nurses is often dictated by new policy and guidelines which are brought about by the evolving healthcare system. For an issue to be contemporary it has to be occurring in the present and in the sense of nursing it would seem that many issues could be deemed as contemporary due to the ever fluctuating nature of our healthcare service. For the purpose of this assignment I am going to address the issue of pre-operative fasting and the tradition of fasting patients from midnight until surgery the following day. Evidence suggests that this practice is outdated and unnecessary but still the practice occurs on many surgical wards. I aim to explore the reasons why patients are still subjected to unnecessarily long fasting times and how we as nurses can change this outdated practice. I have chosen to look at this area of contemporary nursing because as a student nurse I have had practice experience in both a surgical ward and general theatre. I feel that having had experience in both of these settings I would be able to link theory to practice experience. Fasting patients from midnight before day of has long been a time honoured tradition. The main reason for the nil by mouth rule from midnight has been to ensure an empty stomach at time of anaesthesia. If the patient is not fasted, gastric contents could be inhaled by the patient while they...
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...INFORMATION: All-Star Cheerleading is a competitive team not associated with a school but rather with a gym such as Exceptional Athletics Nebraska. Teams prepare year around for several different competitions. Teams are divided according to age and skill levels: Minis: 8 years and under Youth: 12 years and under Junior: 14 years and under Senior: 18 years to 10 Special Needs: All ages Tryouts: Tryouts will be held Every Tuesday and Thursday in April and will be an open format. Kids ages 10 and under will practice from 6-7pm and kids ages 10 and older will practice from 7-8:30pm. We may ask kids to try different times to see where they fit best. Everyone will be practicing as a group, so we can see how everyone works together. Team Placement: Exceptional Athletics retains the right to: 1. Place cheerleaders on the team(s) it feels will best suit them and the program. 2. Move, add, suspend, or dismiss a cheerleader for a period of time or indefinitely from a team or the entire program based on criteria including but not limited to: attendance, conduct, skills, finances, etc. 3....
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