Crocodile Physics essays

Crocodile Physics essays Crocodile Physics is like a well-stocked physics lab where you can experiment to your hearts content. Covering many syllabus topics, here is the hardware flattened for the small screen. There are masses, trolleys, lenses and electronic components to assemble, experiment and take measurements with. You can swing pendulums, change gravity, change angle of ramps to learn about forces. Excellent are the optics tools which let you split light into its colours with a prism and see how fibre optics transmit light. A section on eye defects, where you increase the focal length of a spectacle lens and see what that does to the light rays will make an awesome teaching tool. Though it comes with worksheets, those with time to spare can use it to create impressive interactive Crocodile Physics has been developed from Crocodile Clips 3, the acclaimed High School Physics simulator used in over 35 countries and recommended by governments worldwide. It's a simulator for Middle and High school and college physics Crocodile Physics includes a powerful optics simulator, with a range of components including lenses, prisms, mirrors and light sources.You can set the wavelength of the light being emitted from your source, and choose parallel beams, diverging beams or rays. You can also set the dimensions of the source. Crocodile Physics contains a full range of electrical components. Every school subject area is covered: from the basic batteries, bulbs and switches - which are also given in pictorial form, to help understanding of the first principles - to more advanced logic gates, integrated circuits and semiconductors. A vast component library gives you the freedom to experiment in a way that suits your teaching, and allows interested students to explore the subject more deeply. One of the key features which marks Crocodile Physics out from other teaching ...

6 Reasons to Seek a Job in Health Care

6 Reasons to Seek a Job in Health Care The health care field has always been a solid  place to seek employment, and moving forward, the field is expected to add five million jobs by 2022- one-third of the total number of all jobs added by that time!  This increase of jobs in health care is largely the result of an aging population and changes to the health insurance system.  In 2014, health care jobs grew over 50 percent more than the previous year, according to Forbes. In addition to job security, a career in health care also comes with bonuses you won’t find in most other professions.Employee SatisfactionOne of the reasons the health care field is a good place to work is because of the fulfillment  employees find in  their jobs. Employers in the health care field seem to go that extra mile to ensure that employees are content and feel welcomed and comfortable on the job. One new study by Great Place to Work ® gives interesting insight into what makes an employee happy and inspires loyalty to a health care company.Health Care Companies Show AppreciationOne of the major reasons health care employees state they are happy with their jobs are constant tokens of appreciation from their employers. Some health care providers hold town hall meetings to hear what employees have to say. Others host a monthly breakfasts for groups of  employees. Others offer free meals at lunchtime or cater meals and hold birthday parties for all employees.Job PerksPerks are an important reason why health care jobs are popular. Health care workers work long hours and are on their feet for extended periods of time. Fitness classes, gym memberships, and free or subsidized health care are common, along with more unusual perks such as ping pong and arcade games on-site! One health care provider even supplies a concierge service to run errands for employees. A North Carolina health care company has vegetable gardens that are maintained by employees and a walking trail for fresh air and exercise.A Family-Friend ly Work AtmosphereOne feature these winning health care facilities have in common is that the people who run them go out of their way to make the employees feel like family. Employees who feel a personal connection work harder and go out of their way to help others. An Ohio facility holds events like Easter egg hunts for children and pet picture contests to encourage a sense of togetherness and camaraderie. A California company is both family and pet friendly, with the view that work and life demands require balance.Education Is EncouragedSeveral facilities in Missouri and Texas encourage employees to continue with their education, while one Texas health care facility even  offers courses that employees may take for career advancement. A Tennessee facility offers tuition reimbursement as incentive for employees to further their  education.Bonuses  to Augment PayMost employees of these health care facilities agree that they receive adequate pay; however, additional perks are ad ded to the pay structure in some cases. One Florida facility offers its employees no-interest loans and an Ohio company hands out frequent bonuses in appreciation. A New Jersey company offers a four-week vacation period for employees who work full-time and has childcare facilities on the site. It also allots one day’s pay for the employee to do volunteer work and donates the money raised to charity on an annual basis.

The Financial Reporting Disclosure Essay Example | Topics and Well Written Essays - 1250 words

The Financial Reporting Disclosure - Essay Example The financial reporting disclosure requirements and norms needs to respond according to the changes like breaking down of items in the report to providing more detailed disclosures of the items like disclosure of assumptions, sources of estimation, models used, alternative measurement bases etc. Hence in today’s world disclosures in the annual report have become the balancing item to provide a credible report. The auditors need to disclose the accounting policies used while preparing the report to enable the user of the report to understand the report comprehensively. Majority of these disclosures were derived from the accounting system. There are many types of disclosure which are important, but a majority of them was related to the numbers in the annual report. Discussion Answer 1 With increasing complexity of the financial reporting the financial statements now have to include a variety of disclosures in addition to the traditional disclosures. The following are the list of disclosures which have to be included in contemporary financial statements. Annual report now have to include description of the accounting policies which is adopted by the relevant entity so that it becomes easier to understand the line items of the financial statements and the accounting policies on which it is based upon. ... 43). The disclosure should include the judgements made in the process of applying the accounting policies and the reasons of choosing the above policies and decisions. For example the disclosure of material uncertainties as per the going concern basis of accounting is to be made. The disclosure includes description of internal processes like risk management policies and practices adopted by the company (Ott and Hardie, 1997, pp. 53-57). The firm has to disclose policies and the procedures adopted for managing their financial risks. Annual report includes estimation of sensitivity analysis disclosures. This disclosure helps the users to understand the variability measurements of the items in the annual report. For example the annual reports include the disclosure of value at risk. Annual report also has to include Objective based disclosure requirements like the objectives of the disclosure which is to be provided rather than any specific disclosure. Hence it is clear that such disclo sures in the financial statements are becoming important and forward-looking and it represents the new policies which every annual report has to maintain. Answer 2 There has been major impact of increased amount of disclosure by firms to the external users and to the company as well. It has made the task of communicating the complex business transactions to the investors challenging and has raised the concerns about how well the management can communicate to the interested users so that they can make an informed decision based on the report. U.S. Securities and Exchange Commission has criticized companies for making the annual report too complex for the small investors to understand.  

Hotel Ole Housekeeper Assignment Example | Topics and Well Written Essays - 500 words

Hotel Ole Housekeeper - Assignment Example High standard of housekeeping therefore becomes essential for customers’ satisfaction and for their regular patronage. Moreover, role of housekeeper becomes crucial as room rental constitute around 50% of the revenue, thereby, making customers’ satisfaction intrinsic part of hotel’s objectives. Housekeeper is vital part of service industry that is responsible for the overall cleanliness and welcoming environment of hotel. Housekeeper also ensures Attractive decoration, cleanliness and maintenance of public and office area like reception, corridor, banquet hall, conference hall etc. Housekeeper also looks after the comfort, health, hygiene and safety of the guests by ensuring cleanliness and material comfort in the room. The fresh sheets, spotless toilets, clean wardrobe, fast laundry services and good ambience of the room in general, greatly facilitate guests’ comfort. Effective communication through room service also helps to resolve his/her problems related to housekeeping services. He is responsible for the general well-being of the guests and their comfort throughout the stay. The feedback from guests therefore becomes essential tool to assess the level of service of the housekeeper that reflects their level of satisfaction and expectations. The regular appraisal system by supervisor through feedback and direct communication is important ingredient to monitor and assess the job specific skills of the housekeepers and to know whether the job objectives are fulfilled. It also encourages regular communication with them to understand their expectations, their needs and their requirements vis-Ã  -vis job fulfillment and job satisfaction. Most importantly, it helps to create an environment of trust and relationship that contributes to higher work productivity and commitment to the organization. The 360 degree appraisal/ feedback is another key

Sanlu milk powder Essay Example for Free

Sanlu milk powder Essay Consequentialism, as its name suggests, is the view that normative properties depend only on consequences. This general approach can be applied at different levels to different normative properties of different kinds of things, but the most prominent example is consequentialism about the moral rightness of acts, which holds that whether an act is morally right depends only on the consequences of that act or of something related to that act, such as the motive behind the act or a general rule requiring acts of the same kind. Utilitarianism is a theory in normative ethics holding that the proper course of action is the one that maximizes utility, usually defined as maximizing total benefit and reducing suffering or the negatives. It also makes classic utilitarianism subject to attack from many angles. Persistent opponents posed plenty of problems for classic utilitarianism. Each objection led some utilitarians to give up some of the original claims of classic utilitarianism. By dropping one or more of those claims, descendants of utilitarianism can construct a wide variety of moral theories. Advocates of these theories often call them consequentialism rather than utilitarianism so that their theories will not be subject to refutation by association with the classic utilitarian theory. Corporate social responsibility (CSR) Corporate social responsibility (CSR), also known as corporate responsibility, corporate citizenship, responsible business, sustainable responsible business (SRB), or corporate social performance, is a form of corporate self-regulation integrated into a business model. Milton Friedman and others have argued that a corporations purpose is to maximize returns to its shareholders, and that since only people can have social responsibilities, corporations are only responsible to their shareholders and not to society as a whole. They assert that corporations have no other obligation to society. (Freeman, 1984) Corporate social responsibility (CSR) essentially requires companies to conduct business beyond compliance with the law and beyond shareholder wealth maximization. It suggests that companies should do more than they are obligated under applicable laws governing product safety, environmental protection, labor rights, human rights, community development, corruption, and so on; it also suggests that companies should consider not only the interests of shareholders but also those of other stakeholders (e. g. , employees, consumers, suppliers, and local communities). CSR requires companies to provide not only the quantity of goods, services, and employment but also the quality of life for those whose interests are affected by corporate activities. (Carroll, 2008). Facing the challenge, in order to protect and expand the market, on one hand improve the Sanlu milk purchase cost, on the other hand, through the continuous low prices, unfair competition and reduce the product quality. At the same time, Sanlu Company launched the infant formula milk powder or occupation of the rural market, adding excipient, is as high as 40%. If the production in accordance with national quality standards enterprises not only profits, but also serious losses. Vicious competition led to price higher than the cost, one of the value and price inversion phenomenon is the direct cause of Sanlu milk powder incident. (Wu, 2007) Rethink of Corporate Social Responsibility by Sanlu Milk Incident Ethic problems in Sanlu Incident have the following aspects: (1) Ethic relationship between the enterprise and the government; (2) Ethic relationship between the enterprise and the competitors; (3) Ethic relationship between the enterprise and the consumers; (4) Ethic relationship among the enterprise, consumers, and government. The analysis is made step by step as follows.

William Randolph Hearst :: essays research papers

William Randolph Hearst   Ã‚  Ã‚  Ã‚  Ã‚  George Hearst, William’s father was born in 1820 on a frontier plantation in Franklin, Missouri. George’s father died when he was 26. George was a very hard worker and loved his family very much. He worked odd jobs and in mines to pay off his fathers debt and to take care of his mother, sister and little brother. Mining fascinated young George and even though he could barely read he dwelled into geology books to learn more.   Ã‚  Ã‚  Ã‚  Ã‚  In 1848 word started to spread like wildfire about Sutter’s mill and the very precious metal that was found nearby. In 1849 George, now in his early thirties, and fifteen other anxious miners packed up their things and made the long trek towards California via the California-Oregon trail. This trek was more than 2,000 miles and took them more than 6 months in a wagon train. George became very ill not long after departing Missouri with cholera. A lesser, undetermined man would have died. George was bound and determined to start his new life with a huge fortune. George was very unsuccessful for nine whole years until he joined some friends and they all went in on the Comstock Lode. This cost them 450 dollars between them and made all of them extremely wealthy. By now George was a seasoned miner and by â€Å"reputation had a uncanny sixth sense about mines—some miners and prospectors called him the best judge of a mine in the country(p.14 W.R.H). Every thing was going so well for George until he heard his mother was ill and was needed back home. George headed back home to Missouri at the age of forty. While tending to his family he met a young woman named Phoebe Apperson. She was only eighteen years old. They married in 1862 just after the civil war broke out. George and Phoebe made their way back to California by way of boat through the Panama Canal and on April 29, 1863 they gave birth to William Randolph Hearst. Williams’s mother was very loving and attentive. She never left his side. George, willies father, was not. He was very preoccupied with his mining interest and his new business adventures. He owned property all over the western states and was a senator too. Meanwhile, when Williams mother wasn’t taking care of him at home in California, they were traveling the world. Phoebe loved to see Europe.

Math quiz

GIF Emma is creating gift baskets with scented soaps and bottles of bubble bath. She has 15 scented soaps and 6 bottles of bubble bath. If she wants all the gift baskets identical without any items left over, what is the greatest number of gift baskets Emma can make? In preparation for a party, Dante is putting desserts onto platters. The chocolate cake is cut into 8 pieces and the cheesecake is cut into 16 pieces. If he wants to prepare identical platters without having any cake left over, what is the retreat number of platters he can prepare?LLC Alice and Christina are studying a set of new words for Spanish class. Alice decides to break the set into lists of 17 words. Meanwhile, Christina creates lists of 6 words. What is the smallest number of words there could be? Danny and Karakul are fishermen who, by coincidence, caught the same number of fish this week. Danny caught fish in nets that hold 12 fish, while Karakul caught fish in nets that hold 8 fish. What is the minimum number of fish each must have caught?Mug He's Bath Shop sells bars of soap in boxes of 16 bars and bottles of soap in boxes of 19 bottles. An employee is surprised to discover that the shop sold the same number of bars and bottles last week. What is the smallest number of each type of soap that the shop could have sold? Race to simplify fractions in this fast-paced game! All you need to play is a deck of cards, paper and pencils. Shuffle the cards, and you're ready to get started. Simplifying fractions is an essential skill for every math student in the fifth read or higher.Students need continued practice with simplification in order to successfully add, subtract, multiply and divide fractions. Play this game again and again and work towards mastering this important concept! What You Need: Deck of playing cards (with face cards removed) Even number of players Paper Pencils What You Do: 1. Create a fraction bar sheet by drawing a line across a piece of paper. 2. Set up the game so that th e players face one another. For each pair of two players, you'll need to rate a separate fraction game board. . Shuffle the deck of cards. 4. Distribute the deck evenly between two players. 5. Have the players place their decks face down in front of them. 6. To start playing the players should simultaneously turn over a card from their deck and place it on the fraction bar sheet. Each player should place one card above the fraction bar. The cards above the fraction bar represent the numerator. 7. Then the players should place one card below the fraction bar. The card below the bar represents the denominator. 8.There should be a card above the bar and a card below the bar, giving you four cards total. 9. The first player to correctly simplify the fraction shown by the cards wins all four cards. If a tie results, split the cards evenly. 10. If the fraction can't be simplified, each player should collect the card that the other player put down and position it at the bottom of his deck. 11. Play continues until one player has accumulated all of the cards. 12. Alternatively, you could set a time limit on the game. When time is up, the player with the most cards wins!

Understanding the Financial Statements

Submitted By:Salina Thapa Rana Magar (12077697)Sona Limbu (12078108)FINC20018 Managerial FinanceProfessor: Angelique McInnesCentral Queensland UniversityBrisbane Campus Term 1 201821st April 2018Table of ContentsQuestion No. 1: Understanding the Financial Statements (Chapter 3) Answer:Part 1:Financial Statement shows the total financial functioning of the firm. Any business entities can easily assume the financial status of the company by using the financial statement of the company. At the end of specific period, each business prepares Profit and Loss Account (Income Statement), Statement of Financial Position (Balance Sheet), Statement of Cash Flows (Cash flow statement) and Statement of Changes in Equity. Cash flow statement is one of the major financial statement which records all the amount that a business is receiving from its business transactions as well as the amount that it disburses. The cash flow statement is prepared to find out how business is generating cash and how effectively they are utilizing their cash resources in productive sector. Cash flow statement if managed properly would help the firm to skip cash crisis in the business. As a result, business can assure the availability of cash to cover the due expenses. Cash flow statement depicts the position of economic status of the companyThe main objective of preparing cash flow is:To find out the sources and areas of cash incoming and cash outgoing respectively.To allocate the situation on which business might be in the position of cash insufficiency or cash surplus.Cash flow statement is prepared to predict future cash inflows or outflows. To deliver information regarding the capability of firm to pay its liabilities or taxes.To evaluate whether the firm is on the right track or not by measuring the overall financial records of the company at specific time.To deliver information for making capital budgeting decisions. To evaluate the overall performance of the firm by making comparison between their actual performance and future predictions of cash flow. Part 2Cash flow statement shows the mobility cash in three different areas of business activities: Operating activitiesFinancing activitiesInvesting activitiesCash flow statement provides the answer to the following questions:What are the primary sources of cash incoming?What are the basic operating activities of a firm to generate cash? How does the firm manage their extra funds if the business faces shortages?What are the main investment areas of business?What is the reason behind increase or decrease in cash flow?Part 3a) Calculation of Quality of Earnings RatioThe quality of earnings ratio for two firms i.e. Woodside Petroleum Ltd and Origin Energy for the latest three years is calculated as follows:Woodside Petroleum Ltd (WPL.AX)2017 2016 2015Quality of Earning Ratio = Cash flow from operationsNet Profit = 2,400,0001,024,000 = 2.3438 = 2,587,000868,000= 2.9804 = 2,475,00026,000 = 95. 1923Origin Energy (ORG.AX)2017 2016 2015Quality of Earning Ratio = Cash flow from operationsNet Profit = 1,289,000-2,226,000 = – 0.5791 = 1,404,000-628,000= – 2.2357 = 1,833,000-658,000 = -2.7857b)c) Capital Acquisition RatioThe capital acquisition ratio for both firms i.e. Woodside Petroleum Ltd and Origin Energy for the latest three years is calculated in the following tables:Woodside Petroleum Ltd (WPL.AX)2017 2016 2015 Cash Acquisition Ratio= Cash flow from operationsCash paid forcapital expenditure= 2,400,0001,390,000 = 1.7266 = 2,587,0001,860,000= 1.3909 = 2,475,0001,819,000 = 1.3606Origin Energy (ORG.AX)2017 2016 2015Cash AcquisitionRatio= Cash flow from operationsCash paid forcapital expenditure = 1,289,000-419,000 = – 3.0764 = 1,404,000-572,000= – 2.4545 = 1,833,000-1,484,000 = -1.2352 d)After comparing Woodside Petroleum Ltd and Origin Energy's ability to utilize the operating cash flow to finance their capital expenditure, we came to the conclusion that †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.Question No. 2: The Income Statement (Chapter 3)Answer: a.CQU Oil LimitedIncome StatementFor the year ended†¦.Sales $ 2,500,000Cost of Goods Sold (700,000)Gross Profit 1,800,000Operating Expenses Cash Operating Expenses 150,000 Depreciation Expenses 150,000 Total Operating Expenses (300,000)Operating Profit 1,500,000Interest Expenses (200,000)Profit Before Tax 1300,000Tax (390,000)Net Profit 910,000b. From the above income statement, we can see that CQU Oil's taxable Income and Tax Payable for the year are $ 1300,000 and $ 390,000 respectively. d.Question No. 3: Financial Analysis (Chapter 4)Calculation of Financial RatiosThe financial ratios for both firms i.e. West farmers Ltd and Woolworths Ltd for the most recent year i.e. 2017 are calculated as follows:West farmers Ltd (WES) Woolworths Ltd (WOW)1. Liquidity RatioCurrent Ratio = Current AssetsCurrent Liabilities = 9667 / 10417 = 0.928002303 = 0.9280 times Current Ratio = Current AssetsCurrent Liabilities. = 6994.2 / 15921.6 = 0.43929 = 0.4393 timesQuick Ratio= Current Assets –InventoryCurrent Liabilities = (9667 -6530) / 10417 = 3137 / 10417 = 0.3012 times Quick Ratio= Current Assets –InventoryCurrent Liabilities = (6994.2 – 4080.4) / 15921.6 = 2913.80 / 15921.6 = 0.1830 timesInventory Ratio=Cost of Goods SoldInventoryInventory Ratio=Cost of Goods SoldInventory = 39739.7 / 4080.4 = 9.7392 times2. Capital Structure RatioDebt Ratio = Total LiabilitiesTotal Assets = 16174 / 40115 = 0.4032 = 40.32% Debt Ratio = Total LiabilitiesTotal Assets= 13039.7 / 22915.8 = 0.5690= 56.90%Interest Coverage Ratio =EBITInterest Expense = 4402 / 213 = 20.6667 Interest Coverage Ratio =EBITInterest Expense3. Asset Management Efficiency RatioTotal Asset Turnover =SalesTotal Assets = 68444 / 40115 = 1.7062 times Total Asset Turnover =SalesTotal Assets= 55475 / 22915.8 = 2.4208 timesFixed AssetTurnover=SalesNet Property, plan & Equipment = 68444 / 9440 = 7.2504 times Fixed AssetTurnover=SalesNet Property, plan & Equipment = 55475 / 8437.5 = 6.5748 times4. Probability RatioGross Profit Margin= Gross ProfitSales= Gross Profit Margin= Gross ProfitSales = 15928.9 / 55475 = 0.2871 = 28.71%Operating Profit Margin =EBITSales = 4402 / 68444 = 0.0643 = 6.4315% Operating Profit Margin =EBITSales = 2326 / 55475 = 0.0419 = 4.19 %Net Profit Margin=Net ProfitSales = 2873 / 68444 = 0.04197 = 4.1976% Net Profit Margin=Net ProfitSales = 1482 / 55475 = 0.0267 = 2.67%Return on Assets=Operating Profit or EBITTotal Assets = 4402 / 40115 = 0.1097 = 10.97% Return on Assets=Operating Profit or EBITTotal Assets = 2326 / 22915. 8 = 0.1015 = 10.15%Evaluation of Relative Performance of Two Firms in terms of:Liquidity West farmers Ltd (WES) Woolworths Ltd (WOW)Current Ratio 0.9280 times 0.4393 timesQuick Ratio 0.3012 times 0.1830 timesInventory Ratio 9.7392 timesLiquidity Ratio shows the financial status of the company. From the above calculation, we can interpret that West Farmers Limited is more liquid than Woolworths based on its Current Ratio and Quick Ratio. West Farmers had $0.9280 current assets and $0.3012 cash and accounts receivable for every $1 of current liabilities. Whereas Woolworths had $0.1830 current assets and $0.1830 cash and account receivable to pay $1 current liabilities.ii) Asset Management EfficiencyWest farmers Ltd (WES) Woolworths Ltd (WOW)Total Asset Turnover 1.7062 times 2.4208 timesFixed Asset Turnover 7.2504 times 6.5748 timesiii) Financing Practices (Capital Structure)West farmers Ltd (WES) Woolworths Ltd (WOW)Debt Ratio 40.32% 56.90%Interest Coverage Ratio 20.6667 iv) ProfitabilityWest farmers Ltd (WES) Woolworths Ltd (WOW)Gross Profit Margin 28.71%Operating Profit Margin 6.4315% 4.19%Net Profit Margin 4.1976% 2.67%Return on Assets 10.97% 10.15%†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Calculation of Current Price-Earnings Ratio and Market-to-book Ratio:West farmers Ltd (WES) Woolworths Ltd (WOW)Market Value RatiosPrice Earnings Ratio = Market Price Per ShareEarnings Per SharePrice Earnings Ratio = Market Price Per ShareEarnings Per ShareMarket to Book Ratio =Market Price Per ShareBook Value Per ShareMarket to Book Ratio =Market Price Per ShareBook Value Per ShareQuestion no. 4: Time Value of Money (Chapter 5)Solution:Present Value (PV) =$20,000 Time (n) = 40 yearsInterest Rate (i) = 10 % per annum = 0.10 Future Value (FV)=?Timeline i=10% p.a FV=? 0 1 2 3†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ n= 40 years PV=$20,000FV= PV (1+i)n = 20,000(1+0.10)40 = 20,000Ãâ€"45.25925557 = $ 905,185.1114From the above calculation, Emily's investment from her retirement plan will grow to $905,185.1114 after 40 years at 12% annual interest. b)Timeline i=6% p.a FV=$14,000 0 1 2 n= 3 years PMT=?Deposit on Car (PV)= $14,000No of years (n) = 3 years Annual Interest (i)= 6% =0.06Annuity Payment (PMT)=?We have,FV = PMT (1+i)n-1i14000 = PMT 1+0.06)3-10.06 PMT = 140003.1836PMT = $ 4397.5374To cover the cost of deposit on a new car, Emily needs to keep aside $4397.5374 from her bonus this year. Now, If Annual Interest on Saving (i)=10%=0.10PMT=?FVn = PMT (1+i)n-1i14000 = PMT1+0.10)3-10.10PMT = 140003.31PMT = $4229.6073If the annual rate of interest grows to 10%, then the amount of payment will decrease to $4229.6073.c)At the age 60 years, value of Trust Fund (FV)=?Time (n) = 60-30=30 yearsInterest rate =7%= 0.07Timeline i=7% p.a FV=? 0 1 2 3†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ n= 30 years PV=$50,000 FV = PV ((1+i)n = 50,000 (1+0.07)30 = 50,000 Ãâ€"7.612255043 = $ 380,612.7521When Emily turn 60 years, the value of her trust fund will grow to $380,612.7521 at the rateOf 7% government bond. d)Compounding and discounting have inverse relationship. Compounding method is the way of calculating the future value of money with the given current value of investment at certain compound rate. Whereas Discounting method is used to find out the Present Value of future cash flow using discounting rate. Mathematically,In Compounding Method,Future valuein year nFVn= Present Value(PV) Ãâ€"1+ Annual interest rate (i)number of years nIn Discounting Method,Present ValuePV = Future Value in year nFVn 11+ Annual Interest Rate (i)Number of years (n)e)Question no 5: Risk and Return (Chapter 7)a.Given:Share A Share BProbability Return Probability Return0.3 11% 0.2 -5%0.4 15% 0.3 6%0.3 19% 0.3 14%0.2 22% For Share AExpected rateof returnE(r)=rate of return 1 r1Ãâ€"probabilityof return 1Pr(r1)+rate of return 2 r2Ãâ€"probabilityof return 2Pr(r2) +rate of return 3r3Ãâ€"probabilityof return 3Prr3)= 0.3 Ãâ€" 0.11 + 0.4 Ãâ€" 0.15 + 0.3 Ãâ€"0.19= 0.033 + 0.06 + 0.057= 0.15= 15%Variance in rate of return?2 = rate of return 1 r1-expected rate of returnEr2Ãâ€"probabilityof return 1Pr(r1) + rate of return 1 r1-expected rate of returnEr2Ãâ€"probabilityof return 1Pr(r1) + rate of return 3r3-expected rate of returnE(r)2Ãâ€"probabilityof return 3Pr(r3) = [(0.11 – 0.15)2 Ãâ€" 0.3] + [(0.15 – 0.15)2 Ãâ€" 0.4] + [(0.19 – 0.15)2 Ãâ€" 0.3] = 0.00048 + 0 + 0.00048 = 0.00096 Standard Deviation = Variance =0.00096 = 0.030983867 = 3.0984%For Share BExpected rateof returnE(r)=rate of return 1 r1Ãâ€"probabilityof return 1Pr(r1)+rate of return 2 r2Ãâ€"probabilityof return 2Pr(r2) +rate of return 3r3Ãâ€"probabilityof return 3Prr3)+rate of return 4r4Ãâ€"probabilityof return 4Pr(r4)= 0.2 Ãâ€" (-0.05) + 0.3 Ãâ€" 0.06 + 0.3 Ãâ€"0.14 + 0.2 Ãâ€" 0.22= (-0.01) + 0.018 + 0.042 + 0.044= 0.094= 9.4% Now, Variance in rate of return?2 = rate of return 1 r1-expected rate of returnEr2Ãâ€"probabilityof return 1Pr(r1) + rate of return 1 r1-expected rate of returnEr2Ãâ€"probabilityof return 1Pr(r1) + rate of return 3r3-expected rate of returnE(r)2Ãâ€"probabilityof return 3Pr(r3) + rate of return 4r4-expected rate of returnE(r)2Ãâ€"probabilityof return 4Prr4) = [(-0.05 – 0.094)2 Ãâ€" 0.2] + [(0.06 – 0.094)2 Ãâ€" 0.3] + [(0.14 – 0.094)2 Ãâ€" 0.3] + [(0.22 – 0.094)2 Ãâ€" 0.3] = 0.0041472 + 0.0003468 + 0.0006348 + 0.0031752 = 0.008304Standard Deviation = Variance = 0.008304 = 0.091126286 = 9.1126% b)Shareholders or investors of the company always assume to gain certain profit from the investment they made on their business. Such expectation is referred to as Expected Rate of Return. Whereas Realized Rate of Return is the actual amount of profit or loss that that face from their investment in certain duration of time. c) d. Question No 6: Risk and Return (Chapter 8)Answer:Part 1Systematic Risk and Unsystematic RiskSystematic risk refers to those risks that are associated with the overall market or industry (Vasigh, Fleming ; Mackay, 2010) and cannot be diversified away while unsystematic risk refers to those risk that are associated with the single investment or small class of investment and can be diversified away (Swedroe ; Hempen, 2007). Investment beta is the measure of change in investments' return to the change in return of the market portfolio. Johnson (2014) also stated that investment's beta measures the volatility of share relative to volatility of market. Thus, investment's beta helps to measure the systematic risk of an investment. Therefore, it is very useful in the investment decision. For example: if we want to know the systematic risk of particular investments, we can calculate beta and know the volatility and go for that investments with low volatility. In terms of unsystematic risk, it is calculated by deducting the beta scaled by the market volatility from the volatility of the single stock. Part 2Beta of a Portfolio and Betas of the Individual Investments in the PortfolioPart 3Security Market LineSecurity market line is the graphical representation of Capital Asset Pricing Model (CAPM) i.e. the straight line relationship between expected return and betas that also explains the market price of risk in capital market (Khan, 2004). Return (%)Security Market Liners =rf+rm-rf?rfRisk Beta (?)Figure. Security Market Line. Adapted from â€Å"Investments: An Introduction† by H. B. Mayo, 2013, Boston: Cengage Learning. From the above graph, we can see that risk beta is at the x-axis and expected return on the y-axis. The slope of the security market line is represented by market risk premium which is the difference between expected rate of return on the market portfolio and the risk free rate (i.e.Erm-rf) while the y-intercept of this line represents the risk free interest rate i.e. rf . Part 4Capital Asset Pricing ModelCapital asset pricing model (CAPM) refers to the model that explains the relationship with expected return and the systematic risk of an investment. In a simple word, CAPM is that model which estimates the expected return for any risky assets. According to Mellen (2018), this model helps the business analyst and investor evaluate a suitable rate of return for an investment by giving the general economic, industry and firm's conditions. CAPM helps to inform the investment decision by first of all measuring the fairest price for an investment on the basis of risk, potential return and other factors and then comparing this fair price with the market price.Therefore, this is how the CAPM can be used to inform the investment decision. ReferenceJohnson, R. S. (2014). Equity Markets and Portfolio Analysis. New York: John Wiley ; Sons, Inc.Khan, M. Y., ;Jain, P. K. (2004). Financial Management: Text, Problems and Cases. New Delhi: Tata McGraw Hill Publishing Company Limited.Mayo, H. B. (2013). Investments: An Introduction. Boston: Cengage Learning.Mellen, C. M. (2018). Valuation for M ; A: Building and Measuring Private Company Value. New York: John Wiley ; Sons, Inc.Swedroe, L. E., ;Hempen, J. H. (2007). The only guide to a winning bond strategy you'll ever need: The way smart money preserves wealth today. New York: St. Martin's PressVasigh, B., Fleming, K., ;Mackay, L. (2010). Foundation of Airline Finance: Methodology and Practice. Farnham: Ashgate Publishing, Ltd. Reference

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buy custom Networking essay Prior to the standards defined by the IEEE, it is not possible to connect three different OS machines. But as the instructions given by IEEE 802.1 which is bridging and management, illustrates that Windows, Macintosh and Novell NetWare can be connected with each other in a Cisco Environment for exchange of data and management of the policies. Most of the administration and organizations are using these methods to build their intranet and provide their various offices a single internet service such as World Bank. But the Cisco environment provides a latent security feature, which restricts others to share and use personal information delivered from one machine to another. Various protocols are being used in this system and our administrator is working with several IP address on this. Our computer lab consist 40 computers with 4 servers which is directly managed by our IT Manager. These 40 machines works as servers for our other departments and 4 servers controls and manage these 40 computers. We are using Zap Internet Connection as our internet service provider and acquired a shared DHCP server from them, so we can easily maintain our internet connection and control and monitor our sub computers. We have used Class A and Class C of IP addressing for our different departments. 2 servers manage Class A IP addressing and 2 manage the administration with Class C. These all are connected via the Cisco WLAN connection. After deployment of Cisco WLAN into our organization we have find an easy way to access and monitor our other departments as well as we have managed our intranet with the Cisco Voice over IP (VoIP) connectivity. Our users inform us through their VoIP connection and we assist them in their queries via IPv6 which is latest, innovative and secure in managing and providing internet access to client machines. Buy custom Networking essay

LinkedIns Overused Buzzwords for 2017 - Do You Really Need to Avoid Them

LinkedIns Overused Buzzwords for 2017 - Do You Really Need to Avoid Them LinkedIns 2017 Buzzwords Are Out! Even in the midst of big changes at LinkedIn, the company has stuck to its annual tradition of posting a list of overused buzzwords. As they say, they â€Å"want to help you start the year of right†- and one way to do that is by writing a LinkedIn profile that doesn’t sound like everyone else’s. LinkedIn has gotten a sense of humor this year! They provide some amusing examples of profiles from the likes of Queen Victoria, claiming to be a â€Å"reliable monarch with a proven track record in governing empires,† and Leonardo Da Vinci, a â€Å"detail oriented self-starter with experience in drawing.† Point made! Why Do We Use Buzzwords? LinkedIn did some additional delving into why people continue to use buzzwords when everyone else is using them. They identified four main factors: Ease of use and the effort required to be creative; the sense that if other people are using the buzzwords, those people and their words must be right; the desire to â€Å"fit in† to a group or industry; and a lack of confidence in conveying one’s own achievements. While these explanations have value, I have some other thoughts on LinkedIn’s list, which I will share in a moment. The List Following is this year’s list of words to avoid. But I say take LinkedIn’s admonishment to â€Å"avoid† them with a grain of salt. Maybe there’s a good reason a lot of people use these words. Maybe some of them are important and actually work! Let’s take a look: Specialized Leadership Passionate Strategic Experienced Focused Expert Certified Creative Excellent Here are my thoughts on the top five: Specialized. This word appears on the list for the first time ever. How interesting that a word meant to make someone stand out has the effect of sounding distinctly un-special. To avoid â€Å"specialized† or â€Å"specialize† in your profile, simply state what you do, and it will be clear to your audience that you specialize in whatever that is. Recruiters are only searching on the term â€Å"specialized† if they are looking for skills in specialized equipment or specialized programs. So banish the buzzword if you don’t have one of those specific skills. Leadership. This is a tough one. Isn’t leadership the thing that everyone is looking for? I can’t see stripping it out of every leader’s profile, especially because it appears in 10 of LinkedIn’s approved Skills. Don’t overuse the term, but don’t avoid it if it’s integral to what you do. Here are effective keywords that include the buzzword and that you should continue to include in your profile if they describe you: Passionate. Demonstrate your passion! Let us hear the excitement in your â€Å"voice.† Tell us stories of how you went after things you wanted and completed challenging projects with energy and enthusiasm. Saying you are passionate is a cop-out, as demonstrated by its move to 3rd place from 4th last year. Good writing will exude passion without relying on the term itself. Strategic. This is another tough one, since phrases that contain â€Å"strategic† comprise 10 actual core competencies/skills that recruiters search for on LinkedIn. Use the word sparingly, but I would not recommend eliminating it from your profile if it’s a keyword for your industry. Experienced. Okay, yeah, this is overused. I personally like to state the number of years of experience a client has in an industry to show a depth of, well, experience. But saying you have â€Å"12 years of experience† is different than claiming to be â€Å"experienced.† LinkedIn does have four Skills that include their self-identified buzzword. But if you’re defaulting to the adjective â€Å"Experienced† to describe yourself, look for other ways to convey how many years you’ve been doing what you do and how well you know your field. What do you think about the remaining five buzzwords, Focused, Expert, Certified, Creative, and Excellent? Don’t Overdo It! Whatever our opinions on any individual buzzword, the clear fact is that putting more than one buzzword in a sentence or phrase is not going to make you stand out. It doesn’t work to default to a string of these terms in an effort to sound good, and doing so will have the opposite effect. Leonardo Da Vinci’s fake headline above is a great example of the downside of overused terminology. But you are not going to avoid using all these buzzwords! My advice: Use them in moderation. Be aware. Do your best to find other alternatives. And if there are not alternatives, use the buzzwords, very carefully, with pride. Save Save

In what ways does language shape our understanding of money and the Essay

In what ways does language shape our understanding of money and the economy - Essay Example When people speak about the future, they speak as if the future is more distinct from the past and feels distant. People get less motivated to save their money now in favor of the comfort of monetary value in future years (Holmes, 2009). Speaking a language that has no obligatory future markers such as Mandarin tend to stimulates people to accumulate more retirement assets. The national savings rates of a country are adversely affected by language. A country with smaller proportion of people speaking languages that does not have obligatory future markers tend to increases the rates of national savings. Evidence from research suggests that a person’s vernacular shapes the way he or she thinks about the various aspects of the real world, space and time. This has broad implications in the spheres of economics, politics and law (Reed 2009). Language structure affects our judgments and decisions concerning the future and this may have remarkable long-term consequences. From an economic point of view, people’s rates of savings are affected by various factors such as their income, age, education level, religious affiliation, their cultural values and their countries’ legal systems. Even though after all those factors were accounted for, language effect on the people’s savings rates turned out to be tremendous. Spoken language like English has obligatory future markers making people about 30 percent less likely to save money for the future use. People often counter certain economic policies as they disapprove on moral grounds of the assumptions on which they think the policies rest but not because they have been or would be economically hurt by such policies without even carefully calculating views about their economic worth (Reed 2009). There are over 7,000 languages spoken all over the world, which exhibit tremendous variance. Research has shown that language from verb tenses to gender to metaphors usually

Memo and letter Essay Example | Topics and Well Written Essays - 500 words

Memo and letter - Essay Example Since you did not listen to our expert advice, there is nothing that we can do for you on this matter. If it is your wish to still plant trees in this particular wet area, it would be better if you planted balsam firs there. Admittedly balsam needles are significantly darker than the Douglas Firs’, but the shape of both trees would still fit in with your tree line. If you have any more concerns or queries at all, then please get in touch with our customer service department and we will be more than willing to help you. Once again, we understand what you are going through but we just can’t be of assistance at this particular time. I am writing this memo to you to analyze Raymond Manning’s application for a crushing and grinding manager’s position at Durango Chemical Corporation. It my opinion, the application letter is convincing and provides many reasons why he should get the job, although it could be structured better to improve his chances of getting the job. Raymond has set up the heading of the letter in the right format because the letter is addressed to the corporation and includes location details. This is fairly standard procedure. However, Raymond also uses a regular and much used greeting, â€Å"To Whom It May Concern.† While this is an appropriate many to address a letter to someone in a formal business setting, the letter could be much more personable if it was actually addressed to the person who is going to read the letter. It would not be too difficult to find out who is in charge of appointing someone for the role. In fact, the person’s name and position is probably stated in the job advertisement that Raymond read in the newspaper. If it was not, then he could have done some research and found the appropriate name. Employers generally prefer to be addressed directly rather than just having a generic greeting. The first line of the letter is good because it gets straight to the point. Employers often do not have much time to read