Exam FM/2 Interest Theory Formulas

Size: px
Start display at page:

Download "Exam FM/2 Interest Theory Formulas"

Transcription

1 Exm FM/ Iere Theory Formul by (/roprcy Th collboro of formul for he ere heory eco of he SO Exm FM / S Exm. Th uy hee free o-copyrghe ocume for ue g Exm FM/. The uhor of h uy hee ug ome oo h uque o h o ego wll repe. Ech ego h oly oe meg hroughou he hee.

2 Fumel of Iere Theory Tme Vlue of Moey FV V + V FV + ( + ( + ( The mou l eme of grow o by me ( The mou l eme of grow o by me l ( e + l( + e + + δ l( + δ e δ ( + e δ ( ( ( e δ ( u u ( δ e u u ( Effece ere re wh oml re coerble m-hly m + m Effece cou re wh oml re Noml Re Equlece p ( p p ( p coerble p-hly m ( p p δ + + e m p

3 Effece ul re urg he -h yer ge by: mou ere begg mou ( ( ( ( Noe h he -h yer ge by he me pero [,] Therefore, he ere ere urg he -h yer ge by: ( ( For equle meure of ere we he he followg relohp: ( 3 ( 3 < < < < δ < < < < ue uy Immee pyme re me he e of he pero uy Due pyme re me he begg of he pero uy Immee ( + + ( + ( ( + uy Due ( + + ( ( + ( + ( + Iee for uy Immee uy Due ( + ( + + +

4 erpeuy 3 lm lm ouou ue V δ δ ( ( + δ δ δ u u δ( u u e p FV e p where p pyme fuco ( Icreg ue yme re,,, ( I ( I ( I ( + ( I ( I ( + ( I ( I ( I ( + ( I ( I lm( I + ( I lm( I Decreg ue yme re, -,,, ( D ( D ( D ( + ( D ( + ( D ( + ( D ( D ( + ( D ree Vlue of he uy wh erm X, X + Y, X + Y,, X + ( Y X + Y ree Vlue of he perpeuy wh erm X, X + Y, X + Y, X Y +

5 ue wh Term Geomerc rogreo (, +, + q,, + q q 3 ree Vlue V + ( + q + ( + q + + ( + q ( + q q Ueful Iee m + ( + m ( D + ( I ( ( + ( + + If he ere re re: ( ( If he compoug frequecy of he ere excee he pyme frequecy of yer Ue equle ere re oer yer: j ( + If he pyme frequecy excee he compoug frequecy of he ere ( Ue m-hly uy ( Ue equle ere re effece oer he pyme pero: ( j + m j j j j If he pyme re,,, m m m I If he pyme re,,, m m m, he he pree lue, he he pree lue m m m m I

6 o Repyme morzo morzo Meho whe pyme me, mu be fr pple o py ere ue he y remg pr of he pyme pple o py prcple Noo mou of he lo umber of pyme pero mou of leel pyme he e of he pero (morze pyme ( lo pyme me effece ere re per pyme pero B blce me, blce fer -h pyme. Noe h B prcple p pyme ( I ere p pyme ( Ueful Equo for eel yme ropece Meho B + Reropece Meho B ( B B + + ( I + I B ( I + Ueful Equo for No-eel yme ( B B + ( ( + ( I B ( I B B

7 o Repyme Sg Fu Sg Fu o (SF ccumule moey epre fu by mg pyme, o o he regulr ere pyme, eery pero. Noo j mou of he lo umber of pyme pero effece ere re per pyme pero by he borrower o he leer effece ere re ere by he borrower he g fu D S peroc g fu epo (SFD, ume o be leel S peroc ouly by he borrower ere pyme o leer + SFD S g fu blce fer -h epo e lo blce me Ueful Equo D S j D S j + D + S S j j DS j DS j j S Ne rcpl S S D D D ( j S + j S j S Ne Iere js jd S j Noe o o morze o oer me ere p ecree prcpl p cree SF for ech ouly ere p o leer co Illme o oer me ere p ecree whle he prcpl p co

8 Bo Bo ere berg ecure; bclly lo from leer perpece llble Bo bo h c be p off (clle before mury Noo F r Fr pr lue coupo re (ere re of bo coupo mou (pyme o leer reempo lue (uully F BV umber of coupo pero o mury mre prce of he bo boo lue of he bo (bo morze blce fer -h pyme yel per pero o eor prce + K ree lue of he reempo lue Fr g mofe coupo re remum If > r he he bo prce premum. >, he mou of he premum. remum ( Fr ( ( ( + ( + + Dcou If < r he he bo prce cou. <, he mou of he cou Dcou ( Fr r If r he bo ellg he prce we y h ell pr.

9 rce remum-dcou Formul Fr + K ( + ( g f Bo morze BV Fr + BV F, he F + ( r m m BVm + Fr Fr I + I BV + + ( Fr + Fr + + If F, he + ( + Wre-Up urg he fr yer (Dcou Wre-Dow urg he fr yer (remum BV BV Wre-Up/Wre-Dow geerl urg me m o me, WD ( Fr + WU ( Fr + Mehm Formul g K + ( K f r F, he K + ( F K > BV BVm Mury o ue rcg llble Bo Type of Bo remum Bo Dcou Bo Te N ug Erle oble Reempo De e oble Reempo De rce Bewee yme De umber of y from l coupo e o eleme e umber of y he bo pero rce lu ccrue + ccrue Iere ( Fr lu ccrue ccrue Iere ( + ( Fr rce

10 Yel Re of Ieme Ierl Re of Reur (IRR he re of ere whch he pree lue of ll mou ee equl o he pree lue of ll he mou p bc o he eor Ierl Re of Reur (IRR Ge eme ch flow,,,,, he IRR oluo for of he equo or ( + ( + ( + Tme Weghe Re of Iere (TWR orbuo me B Fu lue me before he corbuo me j + Effece re oer [, ] B B + j TWR + ( + j ( + j ( + j m Dollr Weghe Re of Iere (DWR B I Il fu blce Fl fu blce Iere ere orbuo or whrwl me (ch flow Ne Ne corbuo Ne B + Ne + I I B Ne DWR I +

11 Term Srucure of Iere Re Spo Re Deoe by he -yer po re ( The ul ere re o he -yer Treury STRI clle he -yer po re, he ere of po re oer me clle he yel cure. ( To lue bo, e he pree lue of ech pyme he ppropre yel cure re um he pree lue. ( ( ( + + f f f ( + f (3 Oce we he fou he prce of bo ug he yel cure we c f he yel o mury he co yel o he bo h prce. For exmple urchg bo wh coupo h ch flow ge by, (,,, ( If pyme (,,, ( re o leel Ug he B-II lu. F Worhee Se Fo, (,,, N (. IRR T o Yel o he Bo IRR If pyme (,,, ( re leel Ug he B-II lu. TVM Worhee Se V, N, MT (, FV. I/Y T o Yel o he Bo I/Y Forwr Re Deoe by f he yer forwr re The re gree upo oy for oe-yer lo o be me yer he fuure + f ( + ( + ( + ( + f ( +

12 Duro Duro meure of ey of fcl e o chge ere re Ieme h Flow,,, Ieme rce Wegh for Mculy Duro Mculy Duro w > ( D w + w + + w M Mofe Duro D ( DM + > > > Duro of eel yme Ieme D ( I Mculy Duro of coupo bo wh fce lue F coupo Fr for pero reempo lue Fr( I + DM Fr + The Duro of Zero-oupo Bo pyble pero Mofe Duro of orfolo wh Ieme D W D + To + WD + WD where X W X X + X + + X oexy pproxmo hge of rce oexy Eme ( ( Δ + ( ( ( Δ + Δ hge rce Δ Δ ( + Δ ( Δ + Δ Δ ( D ( Δ ( Δ D ( Δ + Δ

13 Immuzo Noo ( ree Vlue of e e mou me ( ree Vlue of ble bly mou me S ( Surplu S ( ( ( oo for Immuzo To chee mmuzo we mu he S, S (, S ( > Immuzo erm of uro coexy we ee o o o ( V Mchg ( o o ( Duro Mchg ( ( (3 Greer oexy for e ( > ( Immuzo erm of he e lbly mou me ( V Mchg ( Duro Mchg (3 Greer oexy for e > > > > > >

14 Specl e Yel Re Reeme Noo y j ul yel of ol eme (IRR umber of yer umber of pyme effece ere fu X effece ere fu Y Geerl e Suppoe you me l eme of. The yel re y he cul re of reur you re receg o he eme. V he ccumule lue of your eme. + y V Suppoe you re eg pyme o fu X he e of ech pero reeg he ere ccrue ech pero o fu Y ( + + y I y y j V of l eme V of reeme Suppoe you me l eme of o fu X You ree ere ccrue fu X fer ech pero o fu Y rg You ree ere ccrue fu Y fer ech pero o fu Z rg Bo Reeme ( y I X Y X Z Sum of prcpl ere fer pero + y + + I X Y X Th refer o he ce where we he bough bo for prce of Fr + K we ree he coupo pyme Fr o epre ccou he me hey re recee. Noo Z y ul yel of ol eme umber of yer umber of pyme he bo py

15 Fr + he V of he ccou he prce he l eme. y + + ( y Fr + ( + y m m Fr Fr + + K Of coure we c he more h oe bo ole. If h he ce we ju ee o combe prce coupo pyme ccorgly. Mchg ble Ug Bo We re gog o coer he ce h lbly frequecy mche he coupo frequecy. (e.g. We woul o he lble yer yer wh coupo emully. e F, r eoe he pr lue, coupo re reempo lue, repecely, for he bo wh he loge uro. Deoe F, r for he bo wh he ex loge uro, o o. Sep- urche F r + of he bo. Th percege. Sep- Th ge F r, frcol mou of he coupo he pero before. F r + Sep 3- Deerme he mou lef we ee o mch. Sep 4- urche F r F r + F r + rce of he bo o mch lble : lble me me. Sup Yel ure Suff of he bo. Fr F r F r + Fr + + Fr + Fr +. Th mche ( To lue bo, e he pree lue of ech pyme he ppropre yel cure re um he pree lue. ( ( ( + + f f f ( + f

EXAMPLE 1... 1 EXAMPLE 2... 14 EXAMPLE 3... 18 EXAMPLE 4 UNIVERSAL TRADITIONAL APPROACH... 24 EXAMPLE 5 FLEXIBLE PRODUCT... 26

EXAMPLE 1... 1 EXAMPLE 2... 14 EXAMPLE 3... 18 EXAMPLE 4 UNIVERSAL TRADITIONAL APPROACH... 24 EXAMPLE 5 FLEXIBLE PRODUCT... 26 EXAMLE... A. Edowme... B. ure edowme d Term surce... 4 C. Reseres... 8. Bruo premum d reseres... EXAMLE 2... 4 A. Whoe fe... 4 B. Reseres of Whoe fe... 6 C. Bruo Whoe fe... 7 EXAMLE 3... 8 A.ure edowme...

More information

ACTUARIAL ANALYSIS OF THE MULTIPLE LIFE ENDOWMENT INSURANCE CONTRACT

ACTUARIAL ANALYSIS OF THE MULTIPLE LIFE ENDOWMENT INSURANCE CONTRACT ACTARIA ANAYSIS OF THE MTIPE IFE ENDOWMENT INSRANCE CONTRACT Werer Hürl FRSGlobl Swzerld Bederre CH-827 Zürh E-l werer.huerl@frglobl.o Abr We eed he ll l of he edowe or o gle lfe o ulle le. The wo le e

More information

American Journal of Business Education September 2009 Volume 2, Number 6

American Journal of Business Education September 2009 Volume 2, Number 6 Amerca Joural of Bue Educao Sepember 9 Volume, umber 6 Tme Value Of Moe Ad I Applcao I Corporae Face: A Techcal oe O L Relaohp Bewee Formula Je-Ho Che, Alba Sae Uver, USA ABSTRACT Tme Value of Moe (TVM

More information

Put the human back in Human Resources.

Put the human back in Human Resources. Put the human back in Human Resources A Co m p l et e Hu m a n Ca p i t a l Ma n a g em en t So l u t i o n t h a t em p o w er s HR p r o f essi o n a l s t o m eet t h ei r co r p o r a t e o b j ect

More information

Sequences and Series

Sequences and Series Secto 9. Sequeces d Seres You c thk of sequece s fucto whose dom s the set of postve tegers. f ( ), f (), f (),... f ( ),... Defto of Sequece A fte sequece s fucto whose dom s the set of postve tegers.

More information

Outline. Numerical Analysis Boundary Value Problems & PDE. Exam. Boundary Value Problems. Boundary Value Problems. Solution to BVProblems

Outline. Numerical Analysis Boundary Value Problems & PDE. Exam. Boundary Value Problems. Boundary Value Problems. Solution to BVProblems Oulie Numericl Alysis oudry Vlue Prolems & PDE Lecure 5 Jeff Prker oudry Vlue Prolems Sooig Meod Fiie Differece Meod ollocio Fiie Eleme Fll, Pril Differeil Equios Recp of ove Exm You will o e le o rig

More information

How To Get A Pension In Chile

How To Get A Pension In Chile Bc Accou fo A cocul m bw lo d d l h h v h h l h h h o o u u cfc oy, owd by by h h lo, fo fo cfd od m m u fo fo uld, d d lly odc, ch ch ym ().. Ch 21 Coc m m Rl Rl ym Excuoy Co Co Rco cclbl Ely Ely mo Dful

More information

B I N G O B I N G O. Hf Cd Na Nb Lr. I Fl Fr Mo Si. Ho Bi Ce Eu Ac. Md Co P Pa Tc. Uut Rh K N. Sb At Md H. Bh Cm H Bi Es. Mo Uus Lu P F.

B I N G O B I N G O. Hf Cd Na Nb Lr. I Fl Fr Mo Si. Ho Bi Ce Eu Ac. Md Co P Pa Tc. Uut Rh K N. Sb At Md H. Bh Cm H Bi Es. Mo Uus Lu P F. Hf Cd Na Nb Lr Ho Bi Ce u Ac I Fl Fr Mo i Md Co P Pa Tc Uut Rh K N Dy Cl N Am b At Md H Y Bh Cm H Bi s Mo Uus Lu P F Cu Ar Ag Mg K Thomas Jefferson National Accelerator Facility - Office of cience ducation

More information

REVISTA INVESTIGACION OPERACIONAL Vol. 25, No. 1, 2004. k n ),

REVISTA INVESTIGACION OPERACIONAL Vol. 25, No. 1, 2004. k n ), REVISTA INVESTIGACION OPERACIONAL Vol 25, No, 24 RECURRENCE AND DIRECT FORMULAS FOR TE AL & LA NUMBERS Eduardo Pza Volo Cero de Ivesgacó e Maemáca Pura y Aplcada (CIMPA), Uversdad de Cosa Rca ABSTRACT

More information

ON YOUR TURN: ROLLING AND MOVING

ON YOUR TURN: ROLLING AND MOVING E8 IF CV Monopoly.pdf // O YOU : LG MOVG I M J. I I W O PY O GE OU. W WH? oll the dice. If you roll doubles, move the amount shown. If you don t roll doubles and it is your fir or second try to get out

More information

Campus Sustainability Assessment and Related Literature

Campus Sustainability Assessment and Related Literature Campus Sustainability Assessment and Related Literature An Annotated Bibliography and Resource Guide Andrew Nixon February 2002 Campus Sustainability Assessment Review Project Telephone: (616) 387-5626

More information

Chapter 4 Multiple-Degree-of-Freedom (MDOF) Systems. Packing of an instrument

Chapter 4 Multiple-Degree-of-Freedom (MDOF) Systems. Packing of an instrument Chaper 4 Mulple-Degree-of-Freedom (MDOF Sysems Eamples: Pacg of a srume Number of degrees of freedom Number of masses he sysem X Number of possble ypes of moo of each mass Mehods: Newo s Law ad Lagrage

More information

SCO TT G LEA SO N D EM O Z G EB R E-

SCO TT G LEA SO N D EM O Z G EB R E- SCO TT G LEA SO N D EM O Z G EB R E- EG Z IA B H ER e d it o r s N ) LICA TIO N S A N D M ETH O D S t DVD N CLUDED C o n t e n Ls Pr e fa c e x v G l o b a l N a v i g a t i o n Sa t e llit e S y s t e

More information

C o a t i a n P u b l i c D e b tm a n a g e m e n t a n d C h a l l e n g e s o f M a k e t D e v e l o p m e n t Z a g e bo 8 t h A p i l 2 0 1 1 h t t pdd w w wp i j fp h D p u b l i c2 d e b td S t

More information

File:Dell Printer Tech Support Number +1-800-439-2. 949 Dell Printer Customer Support Number Dell Prin. ter Tech Support Phone Number.

File:Dell Printer Tech Support Number +1-800-439-2. 949 Dell Printer Customer Support Number Dell Prin. ter Tech Support Phone Number. File:Dell Printer Tech Support Number +1-800-439-2 949 Dell Printer Customer Support Number Dell Prin ter Tech Support Phone Number.pdf ((18004392949)) Dell Printer technical support num ber 18004392949

More information

Standardized Formula Sheet: Formulas Standard Normal Distribution Table Summary of Financial Ratios

Standardized Formula Sheet: Formulas Standard Normal Distribution Table Summary of Financial Ratios Sadardzed Formula See: Formulas Sadard ormal Dsrbuo Table Summary o Facal Raos Formulas. Prese Value o a Sgle Cas Flow CF PV (. Fuure Value o a Sgle Cas Flow FV CF( 3. Prese Value o a Ordary Auy ( PV PT[

More information

s in? sure? not dufferinwaste Try searching the What Goes Where directory, available at dufferincounty.ca/waste or on the my-wastetm app

s in? sure? not dufferinwaste Try searching the What Goes Where directory, available at dufferincounty.ca/waste or on the my-wastetm app s? Try searg e Wa Ges Were rery, avalale a ffery.a/ase r e my-asetm a EMPTY PANT CAN BLUE BOX Te keyr ere s emy. f y fs a a f a, js leave e l ff fr a fe ays le ry. Te a a e l a g e Ble Bx searaely. f y

More information

Selected Financial Formulae. Basic Time Value Formulae PV A FV A. FV Ad

Selected Financial Formulae. Basic Time Value Formulae PV A FV A. FV Ad Basc Tme Value e Fuure Value of a Sngle Sum PV( + Presen Value of a Sngle Sum PV ------------------ ( + Solve for for a Sngle Sum ln ------ PV -------------------- ln( + Solve for for a Sngle Sum ------

More information

1. The Time Value of Money

1. The Time Value of Money Corporate Face [00-0345]. The Tme Value of Moey. Compoudg ad Dscoutg Captalzato (compoudg, fdg future values) s a process of movg a value forward tme. It yelds the future value gve the relevat compoudg

More information

HR DEPARTMENTAL SUFFIX & ORGANIZATION CODES

HR DEPARTMENTAL SUFFIX & ORGANIZATION CODES HR DEPARTMENTAL SUFFIX & ORGANIZATION CODES Department Suffix Organization Academic Affairs and Dean of Faculty, VP AA 1100 Admissions (Undergraduate) AD 1330 Advanced Ceramics, Colorado Center for--ccac

More information

Markit iboxx USD Liquid Leveraged Loan Index

Markit iboxx USD Liquid Leveraged Loan Index Mark Boxx USD Lqud Leveraged Loa Idex Sepember 20 Mark Boxx USD Leveraged Loa Idex Idex Gude Coe Overvew... 4 Seleco Crera... 5 Idex Icepo/Rebalacg... 5 Elgbly Crera... 5 Loa Type... 5 Mmum facly ze...

More information

The Term Structure of Interest Rates

The Term Structure of Interest Rates The Term Srucure of Ieres Raes Wha is i? The relaioship amog ieres raes over differe imehorizos, as viewed from oday, = 0. A cocep closely relaed o his: The Yield Curve Plos he effecive aual yield agais

More information

FORT WAYNE COMMUNITY SCHOOLS 12 00 SOUTH CLINTON STREET FORT WAYNE, IN 468 02 6:02 p.m. Ma r c h 2 3, 2 015 OFFICIAL P ROCEED ING S Ro l l Ca l l e a r d o f h o o l u e e o f t h e r t y m m u t y h o

More information

Overview of Spellings on www.spellzoo.co.uk

Overview of Spellings on www.spellzoo.co.uk Overview of Spellings on www.spellzoo.co.uk Year 1 Set 1: CVC words Set 2: CVC and CCVC words Set 3: CVC, CCVC and CCVCC words Set 4: Words containing 'ch', 'sh', 'th' and 'wh' Set 5: Words ending in 'll',

More information

1.- L a m e j o r o p c ió n e s c l o na r e l d i s co ( s e e x p li c a r á d es p u é s ).

1.- L a m e j o r o p c ió n e s c l o na r e l d i s co ( s e e x p li c a r á d es p u é s ). PROCEDIMIENTO DE RECUPERACION Y COPIAS DE SEGURIDAD DEL CORTAFUEGOS LINUX P ar a p od e r re c u p e ra r nu e s t r o c o rt a f u e go s an t e un d es a s t r e ( r ot u r a d e l di s c o o d e l a

More information

= i δ δ s n and PV = a n = 1 v n = 1 e nδ

= i δ δ s n and PV = a n = 1 v n = 1 e nδ Exam 2 s Th March 19 You are allowe 7 sheets of notes an a calculator 41) An mportant fact about smple nterest s that for smple nterest A(t) = K[1+t], the amount of nterest earne each year s constant =

More information

Chem 115 POGIL Worksheet - Week 4 Moles & Stoichiometry Answers

Chem 115 POGIL Worksheet - Week 4 Moles & Stoichiometry Answers Key Questions & Exercises Chem 115 POGIL Worksheet - Week 4 Moles & Stoichiometry Answers 1. The atomic weight of carbon is 12.0107 u, so a mole of carbon has a mass of 12.0107 g. Why doesn t a mole of

More information

CHAPTER 2. Time Value of Money 6-1

CHAPTER 2. Time Value of Money 6-1 CHAPTER 2 Tme Value of Moey 6- Tme Value of Moey (TVM) Tme Les Future value & Preset value Rates of retur Autes & Perpetutes Ueve cash Flow Streams Amortzato 6-2 Tme les 0 2 3 % CF 0 CF CF 2 CF 3 Show

More information

The Time Value of Money

The Time Value of Money The Tme Value of Moey 1 Iversemet Optos Year: 1624 Property Traded: Mahatta Islad Prce : $24.00, FV of $24 @ 6%: FV = $24 (1+0.06) 388 = $158.08 bllo Opto 1 0 1 2 3 4 5 t ($519.37) 0 0 0 0 $1,000 Opto

More information

AN EVALUATION OF SHORT TERM TREATMENT PROGRAM FOR PERSONS DRIVING UNDER THE INFLUENCE OF ALCOHOL 1978-1981. P. A. V a le s, Ph.D.

AN EVALUATION OF SHORT TERM TREATMENT PROGRAM FOR PERSONS DRIVING UNDER THE INFLUENCE OF ALCOHOL 1978-1981. P. A. V a le s, Ph.D. AN EVALUATION OF SHORT TERM TREATMENT PROGRAM FOR PERSONS DRIVING UNDER THE INFLUENCE OF ALCOHOL 1978-1981 P. A. V a le s, Ph.D. SYNOPSIS Two in d ep en d en t tre a tm e n t g ro u p s, p a r t ic ip

More information

Proving the Computer Science Theory P = NP? With the General Term of the Riemann Zeta Function

Proving the Computer Science Theory P = NP? With the General Term of the Riemann Zeta Function Research Joural of Mahemacs ad Sascs 3(2): 72-76, 20 ISSN: 2040-7505 Maxwell Scefc Orgazao, 20 Receved: Jauary 08, 20 Acceped: February 03, 20 Publshed: May 25, 20 Provg he ompuer Scece Theory P NP? Wh

More information

Positive Integral Operators With Analytic Kernels

Positive Integral Operators With Analytic Kernels Çnky Ünverte Fen-Edeyt Fkülte, Journl of Art nd Scence Sy : 6 / Arl k 006 Potve ntegrl Opertor Wth Anlytc Kernel Cn Murt D KMEN Atrct n th pper we contruct exmple of potve defnte ntegrl kernel whch re

More information

16. Mean Square Estimation

16. Mean Square Estimation 6 Me Sque stmto Gve some fomto tht s elted to uow qutty of teest the poblem s to obt good estmte fo the uow tems of the obseved dt Suppose epeset sequece of dom vbles bout whom oe set of obsevtos e vlble

More information

Circle Geometry (Part 3)

Circle Geometry (Part 3) Eam aer 3 ircle Geomery (ar 3) emen andard:.4.(c) yclic uadrilaeral La week we covered u otheorem 3, he idea of a convere and we alied our heory o ome roblem called IE. Okay, o now ono he ne chunk of heory

More information

Information on the types of mortgages available for purchasing a residential property

Information on the types of mortgages available for purchasing a residential property Information on the types of mortgages available for purchasing a residential property Buy a home with peace of mind This document contains informat ion on the various types of mortgages that can be used

More information

Numerical Solution of the Incompressible Navier-Stokes Equations

Numerical Solution of the Incompressible Navier-Stokes Equations Nmercl Solo of he comressble Ner-Sokes qos The comressble Ner-Sokes eqos descrbe wde rge of roblems fld mechcs. The re comosed of eqo mss cosero d wo momem cosero eqos oe for ech Cres eloc comoe. The deede

More information

Generalized Difference Sequence Space On Seminormed Space By Orlicz Function

Generalized Difference Sequence Space On Seminormed Space By Orlicz Function Ieaoa Joa of Scece ad Eee Reeach IJSER Vo Ie Decembe -4 5687 568X Geeazed Dffeece Seece Sace O Semomed Sace B Ocz Fco A.Sahaaa Aa ofeo G Ie of TechooCombaoeIda. Abac I h aewe defe he eece ace o emomed

More information

Valuation Methods of a Life Insurance Company

Valuation Methods of a Life Insurance Company Valuao Mehods of a Lfe Isurace Comay ISORY...3 2 PRODUC ASSESSMEN : PROFI ESING...4 2. E PROFI ESING IN 3 SEPS...5 2.. Equalece Prcle...5 2..2 radoal Marg...6 2..3 Prof esg...6 2.2 COMMON CRIERIA O EVALUAE

More information

Chapter 04.00E Physical Problem for Electrical Engineering Simultaneous Linear Equations

Chapter 04.00E Physical Problem for Electrical Engineering Simultaneous Linear Equations hpter 04.00E Phyicl Prblem fr Electricl Egieerig Simulteu Lie Equti Prblem Sttemet Three-phe ytem e the rm fr mt idutril pplicti. pwer i the frm f vltge d curret it delivered frm the pwer cmpy uig three-phe

More information

EXECUTIVE SUMMARY. Survey Objective. How to Use This Report. Methodology

EXECUTIVE SUMMARY. Survey Objective. How to Use This Report. Methodology O M N NA ONAL AL N N MA K NG C OMP ANYW B C M OF WA AL O GAN Z A ON D C AL F O C NON D C AL F O C D B U O 2 0 1 2 l dm k g P c c u y F d g f d p h u yp d gp MM d m mb w hc mp h d l dm k g g z l u c u d

More information

Curve Fitting and Solution of Equation

Curve Fitting and Solution of Equation UNIT V Curve Fttg ad Soluto of Equato 5. CURVE FITTING I ma braches of appled mathematcs ad egeerg sceces we come across epermets ad problems, whch volve two varables. For eample, t s kow that the speed

More information

10.5 Future Value and Present Value of a General Annuity Due

10.5 Future Value and Present Value of a General Annuity Due Chapter 10 Autes 371 5. Thomas leases a car worth $4,000 at.99% compouded mothly. He agrees to make 36 lease paymets of $330 each at the begg of every moth. What s the buyout prce (resdual value of the

More information

JCUT-3030/6090/1212/1218/1325/1530

JCUT-3030/6090/1212/1218/1325/1530 JCUT CNC ROUTER/CNC WOODWORKING MACHINE JCUT-3030/6090/1212/1218/1325/1530 RZNC-0501 Users Guide Chapter I Characteristic 1. Totally independent from PC platform; 2. Directly read files from U Disk; 3.

More information

With Rejoicing Hearts/ Con Amor Jovial. A Fm7 B sus 4 B Cm Cm7/B

With Rejoicing Hearts/ Con Amor Jovial. A Fm7 B sus 4 B Cm Cm7/B for uli With Rejoic Herts/ on mor ol dition # 10745-Z1 ime ortez Keyord ccompniment y effy Honoré INTRO With energy ( = c 88) Keyord * m7 B sus 4 B 7/B mj 9 /B SMPL B 7 *Without percussion, egin he 1995,

More information

Using Predictive Modeling to Reduce Claims Losses in Auto Physical Damage

Using Predictive Modeling to Reduce Claims Losses in Auto Physical Damage Using Predictive Modeling to Reduce Claims Losses in Auto Physical Damage CAS Loss Reserve Seminar 23 Session 3 Private Passenger Automobile Insurance Frank Cacchione Carlos Ariza September 8, 23 Today

More information

I n la n d N a v ig a t io n a co n t r ib u t io n t o eco n o m y su st a i n a b i l i t y

I n la n d N a v ig a t io n a co n t r ib u t io n t o eco n o m y su st a i n a b i l i t y I n la n d N a v ig a t io n a co n t r ib u t io n t o eco n o m y su st a i n a b i l i t y and KB rl iak s iol mi a, hme t a ro cp hm a5 a 2k p0r0o 9f i,e ls hv oa nr t ds eu rmv oedye l o nf dae cr

More information

PP t c. d d. d b d d d d d c d d c d -c. d d. d d. d`d i

PP t c. d d. d b d d d d d c d d c d -c. d d. d d. d`d i Mee e Mut pou Noël Glo 11 8 2 2 2 2 PP MAtoe Chpete (163170) + 11 8 2 2 2 2 11 8 Glo ex el De o, 2 PP t Et PP t ` te Et px ` te ` Px px u, ` px, u, 11 8 2 2 2 2 11 ` 8 2 ` ` ` ` t u 11 8 2 5 u, px px t

More information

EXAMPLE PROBLEMS SOLVED USING THE SHARP EL-733A CALCULATOR

EXAMPLE PROBLEMS SOLVED USING THE SHARP EL-733A CALCULATOR EXAMPLE PROBLEMS SOLVED USING THE SHARP EL-733A CALCULATOR 8S CHAPTER 8 EXAMPLES EXAMPLE 8.4A THE INVESTMENT NEEDED TO REACH A PARTICULAR FUTURE VALUE What amount must you nvest now at 4% compoune monthly

More information

Classic Problems at a Glance using the TVM Solver

Classic Problems at a Glance using the TVM Solver C H A P T E R 2 Classc Problems at a Glace usg the TVM Solver The table below llustrates the most commo types of classc face problems. The formulas are gve for each calculato. A bref troducto to usg the

More information

Online Department Stores. What are we searching for?

Online Department Stores. What are we searching for? Online Department Stores What are we searching for? 2 3 CONTENTS Table of contents 02 Table of contents 03 Search 06 Fashion vs. footwear 04 A few key pieces 08 About SimilarWeb Stepping up the Competition

More information

Mr. Kepple. Motion at Constant Acceleration 1D Kinematics HW#5. Name: Date: Period: (b) Distance traveled. (a) Acceleration.

Mr. Kepple. Motion at Constant Acceleration 1D Kinematics HW#5. Name: Date: Period: (b) Distance traveled. (a) Acceleration. Moion Consn Accelerion 1D Kinemics HW#5 Mr. Kepple Nme: De: Period: 1. A cr cceleres from 1 m/s o 1 m/s in 6.0 s. () Wh ws is ccelerion? (b) How fr did i rel in his ime? Assume consn ccelerion. () Accelerion

More information

Frederikshavn kommunale skolevæsen

Frederikshavn kommunale skolevæsen Frederikshavn kommunale skolevæsen Skoleåret 1969-70 V e d K: Hillers-Andersen k. s k o l e d i r e k t ø r o g Aage Christensen f u l d m æ g t i g ( Fr e d e rik sh av n E k sp r e s- T ry k k e rie

More information

ACE-1/onearm #show service-policy client-vips

ACE-1/onearm #show service-policy client-vips M A C E E x a m Basic Load Balancing Using O ne A r m M ode w it h S ou r ce N A T on t h e C isco A p p licat ion C ont r ol E ngine Goal Configure b a s ic l oa d b a l a nc ing (L a y er 3 ) w h ere

More information

All answers must use the correct number of significant figures, and must show units!

All answers must use the correct number of significant figures, and must show units! CHEM 10113, Quiz 2 September 7, 2011 Name (please print) All answers must use the correct number of significant figures, and must show units! IA Periodic Table of the Elements VIIIA (1) (18) 1 2 1 H IIA

More information

2016 Wiley. Study Session 2: Quantitative Methods Basic Concepts

2016 Wiley. Study Session 2: Quantitative Methods Basic Concepts 2016 Wiley Study Session 2: Quantitative Methods Basic Concepts Reading 5: The Time Value of Money LESSO 1: ITRODUCTIO, ITEREST RATES, FUTURE VALUE, AD PREST VALUE The Financial Calculator It is very important

More information

Auburn University Style Guide & Identification Standards Manual

Auburn University Style Guide & Identification Standards Manual y E k H PM 28 C 9 C MY M y K v B 10 k 0% : 60 64 % % x 11 C M MY Y K v 6 97 1% : % P PM 17 C 2 M MY Y K v 6 88 6% : % P PM 15 8 PM 17 2 B R G ID E & PM ID P E 15 8 T IC IF T IO PM 17 2 D T R D M L 0 0

More information

SCHOOL PESTICIDE SAFETY AN D IN TEG R ATED PEST M AN AG EM EN T Statutes put into law by the Louisiana Department of Agriculture & Forestry to ensure the safety and well-being of children and school personnel

More information

PREMIUMS CALCULATION FOR LIFE INSURANCE

PREMIUMS CALCULATION FOR LIFE INSURANCE ls of the Uiversity of etroşi, Ecoomics, 2(3), 202, 97-204 97 REIUS CLCULTIO FOR LIFE ISURCE RE, RI GÎRBCI * BSTRCT: The pper presets the techiques d the formuls used o itertiol prctice for estblishig

More information

G ri d m on i tori n g w i th N A G I O S (*) (*) Work in collaboration with P. Lo Re, G. S av a and G. T ortone WP3-I CHEP 2000, N F N 10.02.2000 M e e t i n g, N a p l e s, 29.1 1.20 0 2 R o b e r 1

More information

7.2 Analysis of Three Dimensional Stress and Strain

7.2 Analysis of Three Dimensional Stress and Strain eco 7. 7. Aalyss of Three Dmesoal ress ad ra The cocep of raco ad sress was roduced ad dscussed Par I.-.5. For he mos par he dscusso was cofed o wo-dmesoal saes of sress. Here he fully hree dmesoal sress

More information

Chem 115 POGIL Worksheet - Week 4 Moles & Stoichiometry

Chem 115 POGIL Worksheet - Week 4 Moles & Stoichiometry Chem 115 POGIL Worksheet - Week 4 Moles & Stoichiometry Why? Chemists are concerned with mass relationships in chemical reactions, usually run on a macroscopic scale (grams, kilograms, etc.). To deal with

More information

Critical Approach of the Valuation Methods of a Life Insurance Company under the Traditional European Statutory View

Critical Approach of the Valuation Methods of a Life Insurance Company under the Traditional European Statutory View Crcal Aroach of he Valuao Mehods of a Lfe Isurace Comay uder he radoal Euroea Sauory Vew Dr. Paul-Aoe Darbellay ParerRe Belleresrasse 36 C-8034 Zürch Swzerlad Phoe: 4 385 34 63 Fa: 4 385 37 04 E-mal: aulaoe.darbellay@arerre.com

More information

5;<.c,4 l/lj. ~l/ ~s. ~4 1 /. &Lf '73. i ~ 30~. :il 4

5;<.c,4 l/lj. ~l/ ~s. ~4 1 /. &Lf '73. i ~ 30~. :il 4 Page 1 of 6 SCORING SUMMARY SHEET Final Evaluation Meeting RFP Number: R111P1 RFP Name: Data Hosted Facility Date: December 4, 2014 Location: Governmental, 1 S. Andrews Avenue, Fort Lauderdale, Florida

More information

FINANCIAL MATHEMATICS 12 MARCH 2014

FINANCIAL MATHEMATICS 12 MARCH 2014 FINNCIL MTHEMTICS 12 MRCH 2014 I ths lesso we: Lesso Descrpto Make use of logarthms to calculate the value of, the tme perod, the equato P1 or P1. Solve problems volvg preset value ad future value autes.

More information

Jesus Performed Miracles

Jesus Performed Miracles F Jonl P Ju Pr Mircl ch f lo Al n fri r b f Li blo n of ick li on Po k r u yi li br o n o y o on y r v y o r b f ch rfriror n -ll cr r p r o y k li Tor n of o ll y r u o kn on r ch n L ch p Ju Hl Officil

More information

CANKAYA UNIVERSITY FACULTY OF ENGINEERING MECHANICAL ENGINEERING DEPARTMENT ME 212 THERMODYNAMICS II HW# 11 SOLUTIONS

CANKAYA UNIVERSITY FACULTY OF ENGINEERING MECHANICAL ENGINEERING DEPARTMENT ME 212 THERMODYNAMICS II HW# 11 SOLUTIONS CNKY UNIVESIY FCULY OF ENGINEEING MECHNICL ENGINEEING DEMEN ME HEMODYNMICS II HW# SOLUIONS Deterne te ulton reure of wter or t -60 0 C ung dt lle n te te tle. Soluton Ste tle do not ge turton reure for

More information

BERGEN COMMUNITY COLLEGE DIVISION OF BUSINESS, PERFORMING ARTS AND SOCIAL SCIENCES BUSINESS DEPARTMENT

BERGEN COMMUNITY COLLEGE DIVISION OF BUSINESS, PERFORMING ARTS AND SOCIAL SCIENCES BUSINESS DEPARTMENT BERGEN COMMUNITY COLLEGE DIVISION OF BUSINESS, PERFORMING ARTS AND SOCIAL SCIENCES BUSINESS DEPARTMENT BUS 207 Pcpl f Mg S, Y Syllbu Dl Cu Nub/Sc: Mg Dy & T: Iuc: Offc Lc: Ph: R Nub: Offc Hu: E-l : C u

More information

L a h ip e r t e n s ió n a r t e r ia l s e d e f in e c o m o u n n iv e l d e p r e s ió n a r t e r ia l s is t ó lic a ( P A S ) m a y o r o

L a h ip e r t e n s ió n a r t e r ia l s e d e f in e c o m o u n n iv e l d e p r e s ió n a r t e r ia l s is t ó lic a ( P A S ) m a y o r o V e r s i ó n P á g i n a 1 G U I A D E M A N E J O D E H I P E R T E N S I O N E S C E N C I A L 1. D E F I N I C I O N. L a h ip e r t e n s ió n a r t e r ia l s e d e f in e c o m o u n n iv e l d

More information

Generator stability analysis - Fractional tools application

Generator stability analysis - Fractional tools application Generor by ny - Frcon oo ppcon Auhor : Ocvn ENACHEANU Dephne RIU Nco RETIERE SDNE Grenobe -67 Oune. Eecrc nework cone. Frcon moeng o ynchronou mchne. Se pce repreenon n by conon o ynchronou mchne neger

More information

B A S I C S C I E N C E S

B A S I C S C I E N C E S B A S I C S C I E N C E S 10 B A S I C S C I E N C E S F I R S T S E M E S T E R C O U R S E S : H U M A N S T R U C T U R E A N D F U N C T I O N [ H S F I ] M O L E C U L A R B A S I S O F M E D I C

More information

H ig h L e v e l O v e r v iew. S te p h a n M a rt in. S e n io r S y s te m A rc h i te ct

H ig h L e v e l O v e r v iew. S te p h a n M a rt in. S e n io r S y s te m A rc h i te ct H ig h L e v e l O v e r v iew S te p h a n M a rt in S e n io r S y s te m A rc h i te ct OPEN XCHANGE Architecture Overview A ge nda D es ig n G o als A rc h i te ct u re O ve rv i ew S c a l a b ili

More information

Terminology for Bonds and Loans

Terminology for Bonds and Loans ³ ² ± Termiology for Bods ad Loas Pricipal give to borrower whe loa is made Simple loa: pricipal plus iterest repaid at oe date Fixed-paymet loa: series of (ofte equal) repaymets Bod is issued at some

More information

i n g S e c u r it y 3 1B# ; u r w e b a p p li c a tio n s f r o m ha c ke r s w ith t his å ] í d : L : g u id e Scanned by CamScanner

i n g S e c u r it y 3 1B# ; u r w e b a p p li c a tio n s f r o m ha c ke r s w ith t his å ] í d : L : g u id e Scanned by CamScanner í d : r ' " B o m m 1 E x p e r i e n c e L : i i n g S e c u r it y. 1-1B# ; u r w e b a p p li c a tio n s f r o m ha c ke r s w ith t his g u id e å ] - ew i c h P e t e r M u la e n PACKT ' TAÞ$Æo

More information

Released Assessment Questions, 2015 QUESTIONS

Released Assessment Questions, 2015 QUESTIONS Relesed Assessmet Questios, 15 QUESTIONS Grde 9 Assessmet of Mthemtis Ademi Red the istrutios elow. Alog with this ooklet, mke sure you hve the Aswer Booklet d the Formul Sheet. You my use y spe i this

More information

Book of Plans. Application for Development Consent. Thames Tideway Tunnel Thames Water Utilities Limited. Application Reference Number: WWO10001

Book of Plans. Application for Development Consent. Thames Tideway Tunnel Thames Water Utilities Limited. Application Reference Number: WWO10001 h w u h U Appc f vp Appc fc ub: B f c f:. Bc Swg AF gu : gu ()(), () H cp vb Bx F Ju h pg f b Appc f vp : B f f Vu Bx Vu Sc c wg p c jc-w wg p c jc-w wg cqu p jc-w wg p 4 jc-w wg w pc cg p S wg Ac S S

More information

Paper Technics Orientation Course in Papermaking 2009:

Paper Technics Orientation Course in Papermaking 2009: P P Otto Cou Pmkg 2009: g to mk u tt you ol o tgt P Wo ould ttd? Otto Cou Pmkg wll b of vlu to t followg gou of ol:- 1. P mll mloy, wo dl dtly wt t o of mkg d w to mov t udtdg of t o d t mll oto t bod

More information

M Official Bologna S e m inar Joint d e gr e e s- A H allm ar k of t h e E u r op e an H igh e r E d u cat ion A r e a? R e s u l t s o f q u e s t i o n n a i r e s e n t t o B o l o g n a F o l l o w

More information

int Ron t Marc ier rise e la Impasse du u Liv oue re M lin Berthel ry roix Fleu m Clos inot s int V urg S Faub Rue Rue du C rc de l ' Etuv e Stuart

int Ron t Marc ier rise e la Impasse du u Liv oue re M lin Berthel ry roix Fleu m Clos inot s int V urg S Faub Rue Rue du C rc de l ' Etuv e Stuart . Big i N éi N Cil l l Néi l N i C lli C i é Néi i i I. N -D z Ei if ig Vll Bl ig Vig l'o l S Bg i i g l Ci Qi i Blf Si ig l i i 1945 g li gg ég Ni l Bl l i H Si J iz Eg S i Villi I l Bl i i i H Bliz Dli

More information

excellence in ever y sear c h we conduct. Biophar maceuticals Sales & Mar keting Human Resour ces

excellence in ever y sear c h we conduct. Biophar maceuticals Sales & Mar keting Human Resour ces A b o u t J D Fa r r e l l & A s s o c i a t e s We a r e w h a t w e r e p e a t e d ly d o. E x c e l l e n c e t h e n i s n o t a n a c t, bu t a h a b i t. A r i s t o t l e We u n d e r s t a n d

More information

Enterprise Data Center A c h itec tu re Consorzio Operativo Gruppo MPS Case S t u d y : P r o g et t o D i sast er R ec o v er y Milano, 7 Febbraio 2006 1 Il G r u p p o M P S L a B a n c a M o n t e d

More information

Summation Notation The sum of the first n terms of a sequence is represented by the summation notation i the index of summation

Summation Notation The sum of the first n terms of a sequence is represented by the summation notation i the index of summation Lesso 0.: Sequeces d Summtio Nottio Def. of Sequece A ifiite sequece is fuctio whose domi is the set of positive rel itegers (turl umers). The fuctio vlues or terms of the sequece re represeted y, 2, 3,...,....

More information

Mathematics. Vectors. hsn.uk.net. Higher. Contents. Vectors 128 HSN23100

Mathematics. Vectors. hsn.uk.net. Higher. Contents. Vectors 128 HSN23100 hsn.uk.net Higher Mthemtics UNIT 3 OUTCOME 1 Vectors Contents Vectors 18 1 Vectors nd Sclrs 18 Components 18 3 Mgnitude 130 4 Equl Vectors 131 5 Addition nd Subtrction of Vectors 13 6 Multipliction by

More information

T c k D E GR EN S. R a p p o r t M o d u le Aa n g e m a a k t o p 19 /09 /2007 o m 09 :29 u u r BJB 06 013-0009 0 M /V. ja a r.

T c k D E GR EN S. R a p p o r t M o d u le Aa n g e m a a k t o p 19 /09 /2007 o m 09 :29 u u r BJB 06 013-0009 0 M /V. ja a r. D a t a b a n k m r in g R a p p o r t M Aa n g e m a a k t o p 19 /09 /2007 o m 09 :29 u u r I d e n t if ic a t ie v a n d e m S e c t o r BJB V o lg n r. 06 013-0009 0 V o o r z ie n in g N ie u w la

More information

Child Care Resource Kit celebrate relationships!

Child Care Resource Kit celebrate relationships! K u R C d C b d k f Fu w y Pd by p! u R Cd C g d g b u d yu g p m d fu g f pg m g w Tk yu C g p D Ng kd pg u bk! T y g b fm dy m d md g g p By pvdg ud d ug yu u f D Ng Cg v, yu b pg up g u d g v bf W v

More information

[3350089. csak. csak2. csak1 NYERŐÁR. csak3

[3350089. csak. csak2. csak1 NYERŐÁR. csak3 ó d m Mu W h m ó F m ó um u uh h m m j m m 3 w m3 3 d 3 3 óqum mm d d m ó Hó ó h mű m u ü 8 3 w m d qum ó mm ó h ü h m h u 8 3 IZ FÉF h W Mu + d IZ Ő h W Mu + d h 8 3 h 8 J Á D É O Z Z Z I M O Z Á Ö ÖM

More information

Bishaash. o k j. k k k k k j. k k. k k k e j k k k j k k k j. - one's ask - ing if I know the spell - ing of "Help"...

Bishaash. o k j. k k k k k j. k k. k k k e j k k k j k k k j. - one's ask - ing if I know the spell - ing of Help... Dedcated t the vctm f Raa Plaza (2013) Spra Alt Ter Ba Bhaah a d G =80 d 4 4 4 4 4 d a d 4 4 M b d 4 d4 4 Lab Kamal / E.K. Nrhar / Saad Chwdhury Pa Cell a d T d4 4 b d T d 4 e 4 l l l l 4 5 l l l l d d

More information

tis, cis cunc - cunc - tis, cis tis, cis cunc - tis, func - def - def - tis, U func - def - func - tis, pa - tri pa - tri pa - tri tu - per - tu -

tis, cis cunc - cunc - tis, cis tis, cis cunc - tis, func - def - def - tis, U func - def - func - tis, pa - tri pa - tri pa - tri tu - per - tu - 1 B Ihsu dulcs cuncts [Supr 1] [Supr 2] Tnr B B B B - B - B - Ih - Ih - Ih - su su su cs cs cs cunc - cunc - cunc - Amns, Bblthèqu Cntl L Agn, ms 162 D, ff 2v-10 ts, ts, ts, E-tr - E-tr - E-tr - n p n

More information

Time Value of Money. First some technical stuff. HP10B II users

Time Value of Money. First some technical stuff. HP10B II users Time Value of Moey Basis for the course Power of compoud iterest $3,600 each year ito a 401(k) pla yields $2,390,000 i 40 years First some techical stuff You will use your fiacial calculator i every sigle

More information

G.GMD.1 STUDENT NOTES WS #5 1 REGULAR POLYGONS

G.GMD.1 STUDENT NOTES WS #5 1 REGULAR POLYGONS G.GMD.1 STUDENT NOTES WS #5 1 REGULAR POLYGONS Regul polygon e of inteet to u becue we begin looking t the volume of hexgonl pim o Tethedl nd to do thee type of clcultion we need to be ble to olve fit

More information

- Models: - Classical: : Mastermodel (clay( Curves. - Example: - Independent variable t

- Models: - Classical: : Mastermodel (clay( Curves. - Example: - Independent variable t Compue Gaphcs Geomec Moelg Iouco - Geomec Moelg (GM) sce e of 96 - Compue asssace fo - Desg: CAD - Maufacug: : CAM - Moels: - Classcal: : Masemoel (cla( cla, poopes,, Mock-up) - GM: mahemacal escpo fo

More information

V e r d e s I s t v á n a l e z r e d e s V Á L T O Z Á S O K. F E L A D A T O K. GONDOK A S O R K A TO N A I

V e r d e s I s t v á n a l e z r e d e s V Á L T O Z Á S O K. F E L A D A T O K. GONDOK A S O R K A TO N A I V e r d e s I s t v á n a l e z r e d e s V Á L T O Z Á S O K. F E L A D A T O K. GONDOK A S O R K A TO N A I A L A P K IK É P Z É S B E N F Ő IS K O L Á N K O N C T A N U L M Á N Y > N a p j a i n k b

More information

CLASS TEST GRADE 11. PHYSICAL SCIENCES: CHEMISTRY Test 6: Chemical change

CLASS TEST GRADE 11. PHYSICAL SCIENCES: CHEMISTRY Test 6: Chemical change CLASS TEST GRADE PHYSICAL SCIENCES: CHEMISTRY Test 6: Chemical change MARKS: 45 TIME: hour INSTRUCTIONS AND INFORMATION. Answer ALL the questions. 2. You may use non-programmable calculators. 3. You may

More information

grow scouting s impact.

grow scouting s impact. grow scouting s impct. 20 16 Fmi ly F r ien d s of S c o u t i ng U ni t C h i r m n G u i debook Cr o s s r o d s o f Americ Council, Boy Scouts of Americ this isn t your fr s scout progrm. sure we like

More information

pon r tt p 1110 voni fj AiPe f r Januar 1905 g ro b SEP i ij Hadla t on 5 lit I arut obenbergo von b0 enberg zi i y ro I 6 rt ut b tq

pon r tt p 1110 voni fj AiPe f r Januar 1905 g ro b SEP i ij Hadla t on 5 lit I arut obenbergo von b0 enberg zi i y ro I 6 rt ut b tq R d M W d e - w c e po w Yh - j Pe h Y vo veeg - 5 Z o em Hd e D vo dm em vo eg uo vo 2 oo o o u O o voo oeego vo eeg g j h 5 u q e vo uo vo W m vo v o h x g c u 95 w Y c xe z k e p GENELOGCL OCETY W p

More information

In English there are 26 letters which represent 44 phonemes. These phonemes are represented by approximately 140 different letter combinations.

In English there are 26 letters which represent 44 phonemes. These phonemes are represented by approximately 140 different letter combinations. PHONIC RULES/PATTERNS, WHICH MAY BE USEFUL AT EACH PHASE OF LETTERS AND SOUNDS NB: These rules are equally relevant to other synthetic phonics programmes In English there are 26 letters which represent

More information

Stock Profit Patterns

Stock Profit Patterns Stock Proft Patterns Suppose a share of Farsta Shppng stock n January 004 s prce n the market to 56. Assume that a September call opton at exercse prce 50 costs 8. A September put opton at exercse prce

More information

Fr ag m e n tac i ó n y c o m p l e j i da d: a n á l i s i s d e l c a m b i o

Fr ag m e n tac i ó n y c o m p l e j i da d: a n á l i s i s d e l c a m b i o ss: 57606 Fr e o d Copey: y S r u c u r Che he Chco Reo Ecooy Fr e c ó y c o p e d d: á s s d e c o esrucur e ecooí de reó de Chco sdoro Roero Uversdd de Sev sdoro@us.es Er Deecher Uversy o Groe & Uversy

More information

T = 1/freq, T = 2/freq, T = i/freq, T = n (number of cash flows = freq n) are :

T = 1/freq, T = 2/freq, T = i/freq, T = n (number of cash flows = freq n) are : Bullets bods Let s descrbe frst a fxed rate bod wthout amortzg a more geeral way : Let s ote : C the aual fxed rate t s a percetage N the otoal freq ( 2 4 ) the umber of coupo per year R the redempto of

More information