COMPARISON SHOPPING. 7 Store brands or generic brands usually cost. less than name or national brands. 7 Generic brand foods are safe and good for

Size: px
Start display at page:

Download "COMPARISON SHOPPING. 7 Store brands or generic brands usually cost. less than name or national brands. 7 Generic brand foods are safe and good for"

Transcription

1 COMPARISON SHOPPING Makig smart buys at the grocery store is as easy as learig a few shoppig skills ad makig smart decisios. Before buyig a item, thik about price, coveiece, utritioal value, how you will store the product, ad what your family likes. Bradig Most stores carry atioal brads ad store brads. Natioal brads are advertised o TV ad i magazies. Most supermarkets carry these atioal brads. Some examples of atioal brads are Del Mote, Campbell s, Kraft, ad Gree Giat. Natioal brads geerally cost the most because the expese of advertisig the products is part of the price of the product. Smart shoppig tips to save moey: 7 Buy the brad with the lowest price. 7 The food i the packages may be the same eve if the brad ames are differet. 7 Each compay sets its ow prices, so some brads cost less tha others. 7 Store brads or geeric brads usually cost less tha ame or atioal brads. 7 Geeric brad foods are safe ad good for you. 7 Low-cost brads may taste better tha atioal brads. 7 Check brad prices weekly because the prices may chage. Store brads are sold by idividual chais ad usually are ot advertised atioally. Examples would be Kroger, Piggly Wiggly, ad Wi-Dixie. The utritioal value of atioal brads ad store brads geerally is the same. Read the labels to determie the differece. Uit Pricig Uit pricig is oe of the best methods of compariso-shoppig. Remember, the price of a item is ot always the best way to tell if it is a smart buy. You ca use uit prices to fid foods ad other products that fit ito your budget. A uit price is the cost of a item based o a specific uit, or stadard amout, such

2 as poud, ouce, quatity per cotaier, or square foot. Uit pricig helps you compare the costs of differet brads ad differet sizes of similar items to help you decide which is the most ecoomical. 7 Most grocery stores provide uit prices as a part of customer service. This iformatio is located o the shelf i frot of the item. These labels also may appear above or to the side of the items. Be sure the label matches the product you are thikig about buyig. 7 Uit price labels may vary some from store to store. Basically, the same iformatio should be provided: Name of the product. Cost of the total package. Weight or size of the package. Cost per uit the cost of a ouce, poud, pit, quart, or piece. A ivetory ad price bar code also may be icluded. 7 Use uit pricig to compare prices for differet product forms. For example, you ca compare the cost of fresh, froze, ad caed items, as well as the cost of idividual pieces of prepackaged foods like rolls, muffis, or biscuits. 7 If there is o uit price label, you ca use some simple math to figure out the uit price of a item. For example, a 8- ouce carto of Brad Z yogurt costs 72 cets. A 6-ouce carto of Brad Y yogurt costs 62 cets. Which is the smartest buy? Brad Z 8 ouces $.72 8 = 9 per ouce Brad Y 6 ouces $.62 6 = 10 per ouce Brad Z is the better buy because it costs less per uit (ouce) tha Brad Y. Whe the uit price is the same for two items, pick the item that is best for your eeds. 7 Remember that for uit pricig to work, you must compare similar items. A carto of orage juice, a ca of ready-toserve orage juice, ad a ca of ready-toserve orage drik are similar items. O the other had, a ca of ready-to-serve orage drik ad a ca of froze orage juice cocetrate are ot similar items because you have to add water to the froze juice cocetrate. 7 Uit pricig does ot compare the utritioal value of items. You must compare the Nutritio Facts label of the products to evaluate the product s utritioal value. Uit pricig does ot give iformatio about quality, umber of servigs, or coveiece of the items. Check the Ads Check supermarket advertisemets for seasoal low prices o meat, poultry, fish, fresh produce, ad grocery items. Chage your meu whe you fid a good buy, ad buy oly the amout you ca use before the food spoils. Compare prices of fresh, froze, ad caed versios of the same item, such as cor. Also compare prices of bulk products with the packaged versios. You might fid a large price differece but o differece i the utritioal value. Check the Coupos Coupos will either save you moey or cost you moey. 7 The first thig to remember is to compare the item offered o the coupo to store brads. See if the discout offered o the coupo makes the item a better buy tha the store brad.

3 7 Use coupos oly for products you already use, uless the coupo is for a free item. Do ot sped moey just because you have a coupo. Whe you wat to use a coupo, buy the product at a store that advertises double or triple coupos. 7 Usig coupos, you ofte ca save several dollars a week o your grocery bill. Smart shoppers take the time to look for, cut out, ad use cets-off coupos. You ca fid refud forms ad other moey-savig offers i ewspapers, magazies, ad stores. 7 Coupos are easy to use, but you should store them so you ca fid them quickly. Set up a file by puttig coupos ito groups, such as cereals, soups, seasoigs, or aythig you buy ofte. A shoebox filled with evelopes works well. O each evelope, write the type of coupo iside. 7 Oce you get your coupos orgaized, you quickly ca pull out those you eed. Use them whe you are makig your shoppig list or if you fid a sale i the store. 7 Before you go to the store, write your shoppig list o the back of a plai evelope. Place a mark beside the items you will be purchasig with a coupo. Put the coupos iside the evelope. Read the Labels Whe you are at the grocery store, you must make smart decisios about utritio. If you fid two products that are the same price ad the same quality, you should use the iformatio o the utritioal label to decide which product to buy. Oce you ve decided if a food is a good buy, you must decide if it is utritious. Read the Nutritio Facts label to fid a product s utriet cotet. Remember to look at the umber of servigs, calories, fat, sodium, ad vitamis i each servig.

4 UNIT PRICING SAVES DOLLAR$ AND ENTS What is uit pricig? Uit prices are figures that help you pick the food that is the best buy for your moey. The uit price may list the uit by weight (ouces or pouds), volume (ouces, pits, or quarts), or quatity i the package. Fid the importat parts o each of these labels: The price you pay. A. The weight or size of this package. The uit price. The price you pay. B. The weight or size of this package. The uit price. The price you pay. C. The weight or size of this package. The uit price. The price you pay. D. The weight or size of this package. The uit price. Which cheese product has the lowest uit price?

5 A BETTER BUY UNIT PRICE LABELS

6 LABEL READING FOR BETTER EATING

7 COMPARING THE LABELS Below are labels from two sack foods. If you ate about 32 chips, how much fat would you eat? Cor Chips If you ate about 21 pretzels, how much fat would you eat? Tiy Pretzels

8 The iformatio give here is for educatioal purposes oly. Refereces to commercial products, trade ames, or suppliers are made with the uderstadig that o edorsemet is implied ad that o discrimiatio agaist other products or suppliers is iteded. Distributed by Carol Ball, Extesio Associate III, Food Sciece, Nutritio, ad Health Promotio. USDA is a equal opportuity provider ad employer. This material was fuded by USDA s Supplemetal Nutritio Assistace Program SNAP. The Supplemetal Nutritio Assistace Program (SNAP) provides utritio assistace to people with low icome. It ca help you buy utritious foods for a better diet. To fid out more, cotact your local Departmet of Huma Services. Discrimiatio based upo race, color, religio, sex, atioal origi, age, disability, or vetera s status is a violatio of federal ad state law ad MSU policy ad will ot be tolerated. Discrimiatio based upo sexual orietatio or group affiliatio is a violatio of MSU policy ad will ot be tolerated. Publicatio 2376 Extesio Service of Mississippi State Uiversity, cooperatig with U.S. Departmet of Agriculture. Published i furtherace of Acts of Cogress, May 8 ad Jue 30, GARY B. JACKSON, Director (POD-02-14)

National Institute on Aging. What Is A Nursing Home?

National Institute on Aging. What Is A Nursing Home? Natioal Istitute o Agig AgePage Nursig Homes: Makig The Right Choice Lucille has lived i her home for 33 years. Eve after her husbad died 3 years ago, she was able to maage o her ow. Recetly, she broke

More information

Chronic Kidney Disease

Chronic Kidney Disease Chroic Kidey Disease What Does it Mea for Me? Natioal Kidey Disease Educatio Program Chroic Kidey Disease: The Basics You ve bee told that you have chroic kidey disease (CKD). What does that mea? Ad what

More information

Tell us if you need help because of a disability Ask for a free interpreter

Tell us if you need help because of a disability Ask for a free interpreter Your rights uder Califoria Welfare Programs for people applyig for or receivig public aid i Califoria Tell us if you eed help because of a disability Ask for a free iterpreter 2 Your rights all people

More information

Chapter 7: Confidence Interval and Sample Size

Chapter 7: Confidence Interval and Sample Size Chapter 7: Cofidece Iterval ad Sample Size Learig Objectives Upo successful completio of Chapter 7, you will be able to: Fid the cofidece iterval for the mea, proportio, ad variace. Determie the miimum

More information

For customers Key features of the Guaranteed Pension Annuity

For customers Key features of the Guaranteed Pension Annuity For customers Key features of the Guarateed Pesio Auity The Fiacial Coduct Authority is a fiacial services regulator. It requires us, Aego, to give you this importat iformatio to help you to decide whether

More information

G r a d e. 2 M a t h e M a t i c s. statistics and Probability

G r a d e. 2 M a t h e M a t i c s. statistics and Probability G r a d e 2 M a t h e M a t i c s statistics ad Probability Grade 2: Statistics (Data Aalysis) (2.SP.1, 2.SP.2) edurig uderstadigs: data ca be collected ad orgaized i a variety of ways. data ca be used

More information

4 Steps. For Life. to Control Your Diabetes. National Diabetes Education Program 1-888-693-NDEP (1-888-693-6337) www.yourdiabetesinfo.

4 Steps. For Life. to Control Your Diabetes. National Diabetes Education Program 1-888-693-NDEP (1-888-693-6337) www.yourdiabetesinfo. 4 Steps to Cotrol Your Diabetes. For Life. Natioal Diabetes Educatio Program 1-888-693-NDEP (1-888-693-6337) www.yourdiabetesifo.org Cotets Itroductio 1 Step 1: Lear about diabetes. 3 Step 2: Kow your

More information

CHAPTER 3 THE TIME VALUE OF MONEY

CHAPTER 3 THE TIME VALUE OF MONEY CHAPTER 3 THE TIME VALUE OF MONEY OVERVIEW A dollar i the had today is worth more tha a dollar to be received i the future because, if you had it ow, you could ivest that dollar ad ear iterest. Of all

More information

CHAPTER 7: Central Limit Theorem: CLT for Averages (Means)

CHAPTER 7: Central Limit Theorem: CLT for Averages (Means) CHAPTER 7: Cetral Limit Theorem: CLT for Averages (Meas) X = the umber obtaied whe rollig oe six sided die oce. If we roll a six sided die oce, the mea of the probability distributio is X P(X = x) Simulatio:

More information

ODBC. Getting Started With Sage Timberline Office ODBC

ODBC. Getting Started With Sage Timberline Office ODBC ODBC Gettig Started With Sage Timberlie Office ODBC NOTICE This documet ad the Sage Timberlie Office software may be used oly i accordace with the accompayig Sage Timberlie Office Ed User Licese Agreemet.

More information

2014 Menu of Agency Support Services 10 TOP OF MIND TOUCH POINTS

2014 Menu of Agency Support Services 10 TOP OF MIND TOUCH POINTS 2014 Meu of Agecy Support Services 10 TOP OF MIND TOUCH POINTS Table of Cotets Turig a moolie customer ito a multi-lie customer icreases retetio by 7x! ORGANIC GROWTH Policy Reewal Appoitmet Calls.4 Life

More information

Impact your future. Make plans with good advice from ACT. Get Set for College 1. THINK 2. CONSIDER 3. COMPARE 4. APPLY 5. PLAN 6.

Impact your future. Make plans with good advice from ACT. Get Set for College 1. THINK 2. CONSIDER 3. COMPARE 4. APPLY 5. PLAN 6. Impact your future Get Set for College 1. THINK 2. CONSIDER 3. COMPARE 4. APPLY 5. PLAN 6. DECIDE Make plas with good advice from ACT. 1. Thik Thik about yourself ad your college eeds Do you start thigs

More information

Lesson 17 Pearson s Correlation Coefficient

Lesson 17 Pearson s Correlation Coefficient Outlie Measures of Relatioships Pearso s Correlatio Coefficiet (r) -types of data -scatter plots -measure of directio -measure of stregth Computatio -covariatio of X ad Y -uique variatio i X ad Y -measurig

More information

Comparing Credit Card Finance Charges

Comparing Credit Card Finance Charges Comparig Credit Card Fiace Charges Comparig Credit Card Fiace Charges Decidig if a particular credit card is right for you ivolves uderstadig what it costs ad what it offers you i retur. To determie how

More information

How to read A Mutual Fund shareholder report

How to read A Mutual Fund shareholder report Ivestor BulletI How to read A Mutual Fud shareholder report The SEC s Office of Ivestor Educatio ad Advocacy is issuig this Ivestor Bulleti to educate idividual ivestors about mutual fud shareholder reports.

More information

Savings and Retirement Benefits

Savings and Retirement Benefits 60 Baltimore Couty Public Schools offers you several ways to begi savig moey through payroll deductios. Defied Beefit Pesio Pla Tax Sheltered Auities ad Custodial Accouts Defied Beefit Pesio Pla Did you

More information

Present Value Factor To bring one dollar in the future back to present, one uses the Present Value Factor (PVF): Concept 9: Present Value

Present Value Factor To bring one dollar in the future back to present, one uses the Present Value Factor (PVF): Concept 9: Present Value Cocept 9: Preset Value Is the value of a dollar received today the same as received a year from today? A dollar today is worth more tha a dollar tomorrow because of iflatio, opportuity cost, ad risk Brigig

More information

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place.

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place. PENSION ANNUITY Policy Coditios Documet referece: PPAS1(7) This is a importat documet. Please keep it i a safe place. Pesio Auity Policy Coditios Welcome to LV=, ad thak you for choosig our Pesio Auity.

More information

Professional Networking

Professional Networking Professioal Networkig 1. Lear from people who ve bee where you are. Oe of your best resources for etworkig is alumi from your school. They ve take the classes you have take, they have bee o the job market

More information

5.4 Amortization. Question 1: How do you find the present value of an annuity? Question 2: How is a loan amortized?

5.4 Amortization. Question 1: How do you find the present value of an annuity? Question 2: How is a loan amortized? 5.4 Amortizatio Questio 1: How do you fid the preset value of a auity? Questio 2: How is a loa amortized? Questio 3: How do you make a amortizatio table? Oe of the most commo fiacial istrumets a perso

More information

2014 Menu of Agency Support Services 17 TOP OF MIND TOUCH POINTS

2014 Menu of Agency Support Services 17 TOP OF MIND TOUCH POINTS 2014 Meu of Agecy Support Services 17 TOP OF MIND TOUCH POINTS Table of Cotets Turig a moolie customer ito a multi-lie customer icreases retetio by 7x! ORGANIC GROWTH Policy Reewal Appoitmet Calls.4 Life

More information

How to use what you OWN to reduce what you OWE

How to use what you OWN to reduce what you OWE How to use what you OWN to reduce what you OWE Maulife Oe A Overview Most Caadias maage their fiaces by doig two thigs: 1. Depositig their icome ad other short-term assets ito chequig ad savigs accouts.

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

FM4 CREDIT AND BORROWING

FM4 CREDIT AND BORROWING FM4 CREDIT AND BORROWING Whe you purchase big ticket items such as cars, boats, televisios ad the like, retailers ad fiacial istitutios have various terms ad coditios that are implemeted for the cosumer

More information

Custom products made easy...

Custom products made easy... PRODUCT CATALOG AUGUST 2013 Custom products made easy... Custom Device Cases Custom 2.5 Hard Drives Custom Flash Drives & Web Keys ASI # 77806 Custom Products Made Easy... Custom Products We provide custom

More information

CHAPTER 11 Financial mathematics

CHAPTER 11 Financial mathematics CHAPTER 11 Fiacial mathematics I this chapter you will: Calculate iterest usig the simple iterest formula ( ) Use the simple iterest formula to calculate the pricipal (P) Use the simple iterest formula

More information

Desktop Management. Desktop Management Tools

Desktop Management. Desktop Management Tools Desktop Maagemet 9 Desktop Maagemet Tools Mac OS X icludes three desktop maagemet tools that you might fid helpful to work more efficietly ad productively: u Stacks puts expadable folders i the Dock. Clickig

More information

Selection and Preparation of Foods Management of the Food Budget*

Selection and Preparation of Foods Management of the Food Budget* Selection and Preparation of Foods Management of the Food Budget* Healthy meals on a limited budget! How can you serve healthy meals on a limited budget? It takes some time and planning, but you and your

More information

summary of cover CONTRACT WORKS INSURANCE

summary of cover CONTRACT WORKS INSURANCE 1 SUMMARY OF COVER CONTRACT WORKS summary of cover CONTRACT WORKS INSURANCE This documet details the cover we ca provide for our commercial or church policyholders whe udertakig buildig or reovatio works.

More information

How To Get A Kukandruk Studetfiace

How To Get A Kukandruk Studetfiace Curret Year Icome Assessmet Form Academic Year 2015/16 Persoal details Perso 1 Your Customer Referece Number Your Customer Referece Number Name Name Date of birth Address / / Date of birth / / Address

More information

Predictive Modeling Data. in the ACT Electronic Student Record

Predictive Modeling Data. in the ACT Electronic Student Record Predictive Modelig Data i the ACT Electroic Studet Record overview Predictive Modelig Data Added to the ACT Electroic Studet Record With the release of studet records i September 2012, predictive modelig

More information

Investing in Stocks WHAT ARE THE DIFFERENT CLASSIFICATIONS OF STOCKS? WHY INVEST IN STOCKS? CAN YOU LOSE MONEY?

Investing in Stocks WHAT ARE THE DIFFERENT CLASSIFICATIONS OF STOCKS? WHY INVEST IN STOCKS? CAN YOU LOSE MONEY? Ivestig i Stocks Ivestig i Stocks Busiesses sell shares of stock to ivestors as a way to raise moey to fiace expasio, pay off debt ad provide operatig capital. Ecoomic coditios: Employmet, iflatio, ivetory

More information

ABCs. of Diabetes Care

ABCs. of Diabetes Care ABCs of Diabetes Care Stayig healthy whe you have diabetes ca be challegig. But the more you focus o the positive results of a healthy diet, medicatio routie ad regular exercise, the easier it will be

More information

Handling. Collection Calls

Handling. Collection Calls Hadlig the Collectio Calls We do everythig we ca to stop collectio calls; however, i the early part of our represetatio, you ca expect some of these calls to cotiue. We uderstad that the first few moths

More information

Simple Annuities Present Value.

Simple Annuities Present Value. Simple Auities Preset Value. OBJECTIVES (i) To uderstad the uderlyig priciple of a preset value auity. (ii) To use a CASIO CFX-9850GB PLUS to efficietly compute values associated with preset value auities.

More information

I. Why is there a time value to money (TVM)?

I. Why is there a time value to money (TVM)? Itroductio to the Time Value of Moey Lecture Outlie I. Why is there the cocept of time value? II. Sigle cash flows over multiple periods III. Groups of cash flows IV. Warigs o doig time value calculatios

More information

Use Your Home to Stay at Home. The official reverse mortgage consumer booklet approved by the U.S. Department of Housing & Urban Development

Use Your Home to Stay at Home. The official reverse mortgage consumer booklet approved by the U.S. Department of Housing & Urban Development Use Your Home to The official reverse mortgage cosumer booklet approved by the U.S. Departmet of Housig & Urba Developmet The Natioal Coucil o Agig (NCOA) is committed to helpig older persos maximize all

More information

A GUIDE TO BUILDING SMART BUSINESS CREDIT

A GUIDE TO BUILDING SMART BUSINESS CREDIT A GUIDE TO BUILDING SMART BUSINESS CREDIT Establishig busiess credit ca be the key to growig your compay DID YOU KNOW? Busiess Credit ca help grow your busiess Soud paymet practices are key to a solid

More information

I've Got Cancer, But I'm Not Sick

I've Got Cancer, But I'm Not Sick P rotectio BULLETIN New ewsletter! Persoalised Protectio Newsletter Logo ad/or photo would go here (compliace checked by the Networks) - Geerate more value from each cliet - Protect yourself by flaggig

More information

auction a guide to selling at Residential

auction a guide to selling at Residential Residetial a guide to sellig at auctio Allsop is the market leader for residetial ad commercial auctios i the UK Aually sells up to 700 millio of property at auctio Holds at least seve residetial ad six

More information

Now here is the important step

Now here is the important step LINEST i Excel The Excel spreadsheet fuctio "liest" is a complete liear least squares curve fittig routie that produces ucertaity estimates for the fit values. There are two ways to access the "liest"

More information

A Guide to the Pricing Conventions of SFE Interest Rate Products

A Guide to the Pricing Conventions of SFE Interest Rate Products A Guide to the Pricig Covetios of SFE Iterest Rate Products SFE 30 Day Iterbak Cash Rate Futures Physical 90 Day Bak Bills SFE 90 Day Bak Bill Futures SFE 90 Day Bak Bill Futures Tick Value Calculatios

More information

Grade 11 Promotions (30S) A Course for Independent Study

Grade 11 Promotions (30S) A Course for Independent Study Grade 11 Promotios (30S) A Course for Idepedet Study G r a d E 1 1 P r o M o t i o s ( 3 0 s ) a Course for idepedet study 2012 Maitoba Educatio Maitoba Educatio Cataloguig i Publicatio Data Grade 11

More information

Domain 1: Designing a SQL Server Instance and a Database Solution

Domain 1: Designing a SQL Server Instance and a Database Solution Maual SQL Server 2008 Desig, Optimize ad Maitai (70-450) 1-800-418-6789 Domai 1: Desigig a SQL Server Istace ad a Database Solutio Desigig for CPU, Memory ad Storage Capacity Requiremets Whe desigig a

More information

Pre-Suit Collection Strategies

Pre-Suit Collection Strategies Pre-Suit Collectio Strategies Writte by Charles PT Phoeix How to Decide Whether to Pursue Collectio Calculatig the Value of Collectio As with ay busiess litigatio, all factors associated with the process

More information

Settling Insurance Claims After a Disaster What you need to know about how to file a claim how the claim process works what s covered and what s not

Settling Insurance Claims After a Disaster What you need to know about how to file a claim how the claim process works what s covered and what s not Settlig Isurace Claims After a Disaster What you eed to kow about how to file a claim how the claim process works what s covered ad what s ot First Steps Cotact your aget or compay immediately. Fid out

More information

How to set up your GMC Online account

How to set up your GMC Online account How to set up your GMC Olie accout Mai title Itroductio GMC Olie is a secure part of our website that allows you to maage your registratio with us. Over 100,000 doctors already use GMC Olie. We wat every

More information

How deductible plans work

How deductible plans work Idividual ad Family Plas DEDUCTIBLE PLANS How deductible plas work Deductible plas geerally offer lower mothly premiums i exchage for payig more out of your ow pocket for services covered by your health

More information

*The most important feature of MRP as compared with ordinary inventory control analysis is its time phasing feature.

*The most important feature of MRP as compared with ordinary inventory control analysis is its time phasing feature. Itegrated Productio ad Ivetory Cotrol System MRP ad MRP II Framework of Maufacturig System Ivetory cotrol, productio schedulig, capacity plaig ad fiacial ad busiess decisios i a productio system are iterrelated.

More information

WindWise Education. 2 nd. T ransforming the Energy of Wind into Powerful Minds. editi. A Curriculum for Grades 6 12

WindWise Education. 2 nd. T ransforming the Energy of Wind into Powerful Minds. editi. A Curriculum for Grades 6 12 WidWise Educatio T rasformig the Eergy of Wid ito Powerful Mids A Curriculum for Grades 6 12 Notice Except for educatioal use by a idividual teacher i a classroom settig this work may ot be reproduced

More information

New job at the Japanese company, would like to know about the health insurance. What's the process to apply for the insurance?

New job at the Japanese company, would like to know about the health insurance. What's the process to apply for the insurance? Cabiet ねん かせんぶ ねん しゅが かせんぶ じてん しゅうせい 8-4-2 (2008 年 下 線 部 &2009 年 朱 書 き 下 線 部 時 点 修 正 ) Level 3 Chapter Illess Sectio Public health isurace Cotets Health isurace 1 Possible questio ad backgroud. New job

More information

SECTION 1.5 : SUMMATION NOTATION + WORK WITH SEQUENCES

SECTION 1.5 : SUMMATION NOTATION + WORK WITH SEQUENCES SECTION 1.5 : SUMMATION NOTATION + WORK WITH SEQUENCES Read Sectio 1.5 (pages 5 9) Overview I Sectio 1.5 we lear to work with summatio otatio ad formulas. We will also itroduce a brief overview of sequeces,

More information

DAME - Microsoft Excel add-in for solving multicriteria decision problems with scenarios Radomir Perzina 1, Jaroslav Ramik 2

DAME - Microsoft Excel add-in for solving multicriteria decision problems with scenarios Radomir Perzina 1, Jaroslav Ramik 2 Itroductio DAME - Microsoft Excel add-i for solvig multicriteria decisio problems with scearios Radomir Perzia, Jaroslav Ramik 2 Abstract. The mai goal of every ecoomic aget is to make a good decisio,

More information

_ìóáåö=vçìê=cáêëí= eçãé=áå=`~å~ç~ What Newcomers Need to Know

_ìóáåö=vçìê=cáêëí= eçãé=áå=`~å~ç~ What Newcomers Need to Know _ìóáåö=vçìê=cáêëí= eçãé=áå=`~å~ç~ What Newcomers Need to Kow ^=mi^`b=ql=`^ii=eljbk=^=mi^`b=lc=vlro=ltkk You ve made Caada your ew home ad ow you re lookig for a place of your ow. Buyig a house is a excitig

More information

Flexible Trust. (Settlor as trustee with optional survivorship clause) Your questions answered. What is a trust? What is a Flexible Trust?

Flexible Trust. (Settlor as trustee with optional survivorship clause) Your questions answered. What is a trust? What is a Flexible Trust? Flexible Trust (Settl as trustee with optioal survivship clause) Your questios aswered Uderstadig trusts ad their implicatios ca be pretty complicated. You should always get advice from your legal adviser

More information

4 Steps. For Life. to Control Your Diabetes. National Diabetes Education Program 1-888-693-NDEP (1-888-693-6337) www.yourdiabetesinfo.

4 Steps. For Life. to Control Your Diabetes. National Diabetes Education Program 1-888-693-NDEP (1-888-693-6337) www.yourdiabetesinfo. 4 Steps to Cotrol Your Diabetes. For Life. Natioal Diabetes Educatio Program 1-888-693-NDEP (1-888-693-6337) www.yourdiabetesifo.org Cotets Itroductio 1 Step 1: Lear about diabetes. 3 Step 2: Kow your

More information

To c o m p e t e in t o d a y s r e t a i l e n v i r o n m e n t, y o u n e e d a s i n g l e,

To c o m p e t e in t o d a y s r e t a i l e n v i r o n m e n t, y o u n e e d a s i n g l e, Busiess Itelligece Software for Retail To c o m p e t e i t o d a y s r e t a i l e v i r o m e t, y o u e e d a s i g l e, comprehesive view of your busiess. You have to tur the decisio-makig of your

More information

A guide to School Employees' Well-Being

A guide to School Employees' Well-Being A guide to School Employees' Well-Beig Backgroud The public school systems i the Uited States employ more tha 6.7 millio people. This large workforce is charged with oe of the atio s critical tasks to

More information

Definition. A variable X that takes on values X 1, X 2, X 3,...X k with respective frequencies f 1, f 2, f 3,...f k has mean

Definition. A variable X that takes on values X 1, X 2, X 3,...X k with respective frequencies f 1, f 2, f 3,...f k has mean 1 Social Studies 201 October 13, 2004 Note: The examples i these otes may be differet tha used i class. However, the examples are similar ad the methods used are idetical to what was preseted i class.

More information

AGC s SUPERVISORY TRAINING PROGRAM

AGC s SUPERVISORY TRAINING PROGRAM AGC s SUPERVISORY TRAINING PROGRAM Learig Today...Leadig Tomorrow The Kowledge ad Skills Every Costructio Supervisor Must Have to be Effective The Associated Geeral Cotractors of America s Supervisory

More information

Measures of Spread and Boxplots Discrete Math, Section 9.4

Measures of Spread and Boxplots Discrete Math, Section 9.4 Measures of Spread ad Boxplots Discrete Math, Sectio 9.4 We start with a example: Example 1: Comparig Mea ad Media Compute the mea ad media of each data set: S 1 = {4, 6, 8, 10, 1, 14, 16} S = {4, 7, 9,

More information

Flood Emergency Response Plan

Flood Emergency Response Plan Flood Emergecy Respose Pla This reprit is made available for iformatioal purposes oly i support of the isurace relatioship betwee FM Global ad its cliets. This iformatio does ot chage or supplemet policy

More information

RECRUITMENT TRENDS SURVEY RESULTS

RECRUITMENT TRENDS SURVEY RESULTS RECRUITMENT TRENDS SURVEY RESULTS 2 15 It s bee a turbulet few years for recruiters of academic, research ad sciece staff with ecoomic dowturs, icreased competitio ad a variety of ew chaels ad techologies.

More information

Amendments to employer debt Regulations

Amendments to employer debt Regulations March 2008 Pesios Legal Alert Amedmets to employer debt Regulatios The Govermet has at last issued Regulatios which will amed the law as to employer debts uder s75 Pesios Act 1995. The amedig Regulatios

More information

Confidence Intervals for One Mean

Confidence Intervals for One Mean Chapter 420 Cofidece Itervals for Oe Mea Itroductio This routie calculates the sample size ecessary to achieve a specified distace from the mea to the cofidece limit(s) at a stated cofidece level for a

More information

where: T = number of years of cash flow in investment's life n = the year in which the cash flow X n i = IRR = the internal rate of return

where: T = number of years of cash flow in investment's life n = the year in which the cash flow X n i = IRR = the internal rate of return EVALUATING ALTERNATIVE CAPITAL INVESTMENT PROGRAMS By Ke D. Duft, Extesio Ecoomist I the March 98 issue of this publicatio we reviewed the procedure by which a capital ivestmet project was assessed. The

More information

#10655 ADVENTURES IN THE GROCERY STORE WITH CHEF ANDREW

#10655 ADVENTURES IN THE GROCERY STORE WITH CHEF ANDREW C a p t i o n e d M e d i a P r o g r a m VOICE (800) 237-6213 TTY (800) 237-6819 FAX (800) 538-5636 E-MAIL info@cfv.org WEB www.cfv.org #10655 ADVENTURES IN THE GROCERY STORE WITH CHEF ANDREW LEARNING

More information

Healthy eating on a budget

Healthy eating on a budget Healthy eatig o a budget Eatig healthily does t mea you have to sped lots of moey o food. Here are some tips for eatig a healthy ad balaced diet without breakig the budget. What you buy Pla your shoppig

More information

CDs Bought at a Bank verses CD s Bought from a Brokerage. Floyd Vest

CDs Bought at a Bank verses CD s Bought from a Brokerage. Floyd Vest CDs Bought at a Bak verses CD s Bought from a Brokerage Floyd Vest CDs bought at a bak. CD stads for Certificate of Deposit with the CD origiatig i a FDIC isured bak so that the CD is isured by the Uited

More information

Conservative treatment:

Conservative treatment: Coservative treatmet: Choosig ot to start dialysis T H E K I D N E Y F O U N D A T I O N O F C A N A D A 1 Coservative treatmet: Choosig ot to start dialysis You have the right to make your ow choices

More information

Non-life insurance mathematics. Nils F. Haavardsson, University of Oslo and DNB Skadeforsikring

Non-life insurance mathematics. Nils F. Haavardsson, University of Oslo and DNB Skadeforsikring No-life isurace mathematics Nils F. Haavardsso, Uiversity of Oslo ad DNB Skadeforsikrig Mai issues so far Why does isurace work? How is risk premium defied ad why is it importat? How ca claim frequecy

More information

Bond Valuation I. What is a bond? Cash Flows of A Typical Bond. Bond Valuation. Coupon Rate and Current Yield. Cash Flows of A Typical Bond

Bond Valuation I. What is a bond? Cash Flows of A Typical Bond. Bond Valuation. Coupon Rate and Current Yield. Cash Flows of A Typical Bond What is a bod? Bod Valuatio I Bod is a I.O.U. Bod is a borrowig agreemet Bod issuers borrow moey from bod holders Bod is a fixed-icome security that typically pays periodic coupo paymets, ad a pricipal

More information

THE REGRESSION MODEL IN MATRIX FORM. For simple linear regression, meaning one predictor, the model is. for i = 1, 2, 3,, n

THE REGRESSION MODEL IN MATRIX FORM. For simple linear regression, meaning one predictor, the model is. for i = 1, 2, 3,, n We will cosider the liear regressio model i matrix form. For simple liear regressio, meaig oe predictor, the model is i = + x i + ε i for i =,,,, This model icludes the assumptio that the ε i s are a sample

More information

PFF2 2015/16. Assessment of Financial Circumstances For parents and partners of students. /SFEngland. /SF_England SFE/PFF2/1516/B

PFF2 2015/16. Assessment of Financial Circumstances For parents and partners of students. /SFEngland. /SF_England SFE/PFF2/1516/B PFF2 2015/16 Assessmet of Fiacial Circumstaces For parets ad parters of studets SFE/PFF2/1516/B /SF_Eglad /SFEglad Who should complete this form? Complete this form if you are: The studet s atural or adoptive

More information

How To Live At Home

How To Live At Home What You Need To Kow About Your HECM Couselig Sessio 1. Why do I eed couselig? The US Departmet of Housig ad Urba Developmet (HUD) requires a certified couselig sessio for a federally-isured reverse mortgage,

More information

Get advice now. Are you worried about your mortgage? New edition

Get advice now. Are you worried about your mortgage? New edition New editio Jauary 2009 Are you worried about your mortgage? Get advice ow If you are strugglig to pay your mortgage, or you thik it will be difficult to pay more whe your fixed-rate deal eds, act ow to

More information

ESL Healthcare Bridge Program Outreach Materials

ESL Healthcare Bridge Program Outreach Materials ESL Healthcare Bridge Program Outreach Materials This package cosists of a brochure ad two flyers Developed by NORTH SEATTLE COMMUNITY COLLEGE Fuded by the Seattle Commuity-Based Health Care Traiig Partership

More information

Forecasting. Forecasting Application. Practical Forecasting. Chapter 7 OVERVIEW KEY CONCEPTS. Chapter 7. Chapter 7

Forecasting. Forecasting Application. Practical Forecasting. Chapter 7 OVERVIEW KEY CONCEPTS. Chapter 7. Chapter 7 Forecastig Chapter 7 Chapter 7 OVERVIEW Forecastig Applicatios Qualitative Aalysis Tred Aalysis ad Projectio Busiess Cycle Expoetial Smoothig Ecoometric Forecastig Judgig Forecast Reliability Choosig the

More information

Best of security and convenience

Best of security and convenience Get More with Additioal Cardholders. Importat iformatio. Add a co-applicat or authorized user to your accout ad you ca take advatage of the followig beefits: RBC Royal Bak Visa Customer Service Cosolidate

More information

A GUIDE TO LEVEL 3 VALUE ADDED IN 2013 SCHOOL AND COLLEGE PERFORMANCE TABLES

A GUIDE TO LEVEL 3 VALUE ADDED IN 2013 SCHOOL AND COLLEGE PERFORMANCE TABLES A GUIDE TO LEVEL 3 VALUE ADDED IN 2013 SCHOOL AND COLLEGE PERFORMANCE TABLES Cotets Page No. Summary Iterpretig School ad College Value Added Scores 2 What is Value Added? 3 The Learer Achievemet Tracker

More information

Rainy Day Physical Activities for Toddlers and Preschoolers

Rainy Day Physical Activities for Toddlers and Preschoolers May 2012 Raiy Day Physical Activities for Toddlers ad Preschoolers The Importace of Physical Activity Physical activity is very importat for the health ad developmet of youg childre ad decreases their

More information

Shareholder Information Brochure

Shareholder Information Brochure The Ivestor Service ad Automatic Divided Reivestmet Program for Shareholders of Johso & Johso Shareholder Iformatio Brochure The Program is sposored ad admiistered by Computershare Trust Compay, N.A.,

More information

Create Income for Your Retirement. What You Can Expect. What to Consider. Page 1 of 7

Create Income for Your Retirement. What You Can Expect. What to Consider. Page 1 of 7 Page 1 of 7 RBC Retiremet Icome Plaig Process Create Icome for Your Retiremet At RBC Wealth Maagemet, we believe maagig your wealth to produce a icome durig retiremet is fudametally differet from maagig

More information

Introducing Your New Wells Fargo Trust and Investment Statement. Your Account Information Simply Stated.

Introducing Your New Wells Fargo Trust and Investment Statement. Your Account Information Simply Stated. Itroducig Your New Wells Fargo Trust ad Ivestmet Statemet. Your Accout Iformatio Simply Stated. We are pleased to itroduce your ew easy-to-read statemet. It provides a overview of your accout ad a complete

More information

Vision Care Program. Vision Discounts Voluntary Vision Benefits LASIK Discounts

Vision Care Program. Vision Discounts Voluntary Vision Benefits LASIK Discounts Visio Care Program Visio Discouts Volutary Visio Beefits LASIK Discouts Visio Care Program by EyeMed Easy to use Simply visit the participatig provider closest to you ad preset your Visio Care ID card

More information

A Parent s Guide to College and Career Readiness:

A Parent s Guide to College and Career Readiness: A Paret s Guide to College ad Career Readiess: A guide to help you support your child s dreams Produced by the Uiversity of Miesota College Readiess Cosortium i partership with the Uiversity YMCA 1 INTRODUCTION

More information

Two people, one policy. Affordable long-term care coverage for both.

Two people, one policy. Affordable long-term care coverage for both. Log-term care rider, available o Natiowide YourLife No-Lapse Guaratee SUL II Feature guide LIFE INSURANCE + LONG-ERM CARE wo people, oe policy. Affordable log-term care coverage for both. NAIONWIDE LIFE

More information

Agency Relationship Optimizer

Agency Relationship Optimizer Decideware Developmet Agecy Relatioship Optimizer The Leadig Software Solutio for Cliet-Agecy Relatioship Maagemet supplier performace experts scorecards.deploymet.service decide ware Sa Fracisco Sydey

More information

Avoiding slips, trips and broken hips

Avoiding slips, trips and broken hips Avoidig slips, trips ad broke hips Be safe Be careful Be idepedet How to avoid falls i the home iformatio for older people Local authority You ca fid your local coucil s telephoe umber i the phoe book.

More information

Confidence Intervals. CI for a population mean (σ is known and n > 30 or the variable is normally distributed in the.

Confidence Intervals. CI for a population mean (σ is known and n > 30 or the variable is normally distributed in the. Cofidece Itervals A cofidece iterval is a iterval whose purpose is to estimate a parameter (a umber that could, i theory, be calculated from the populatio, if measuremets were available for the whole populatio).

More information

PAYG instalments how to complete your activity statement

PAYG instalments how to complete your activity statement Istructios for busiesses ad ivestors PAYG istalmets how to complete your activity statemet For more iformatio visit www.ato.gov.au NAT 7393-11.2012 Our commitmet to you We are committed to providig you

More information

15.075 Exam 3. Instructor: Cynthia Rudin TA: Dimitrios Bisias. November 22, 2011

15.075 Exam 3. Instructor: Cynthia Rudin TA: Dimitrios Bisias. November 22, 2011 15.075 Exam 3 Istructor: Cythia Rudi TA: Dimitrios Bisias November 22, 2011 Gradig is based o demostratio of coceptual uderstadig, so you eed to show all of your work. Problem 1 A compay makes high-defiitio

More information

Laws of Exponents Learning Strategies

Laws of Exponents Learning Strategies Laws of Epoets Learig Strategies What should studets be able to do withi this iteractive? Studets should be able to uderstad ad use of the laws of epoets. Studets should be able to simplify epressios that

More information

Retirement is a term that means something different to everyone, with the definition

Retirement is a term that means something different to everyone, with the definition Fiacial Toolkit Retiremet is a term that meas somethig differet to everyoe, with the defiitio largely depedet o a perso s age, career status, bak accout, family makeup, ad other factors. While the meas

More information

Modified Line Search Method for Global Optimization

Modified Line Search Method for Global Optimization Modified Lie Search Method for Global Optimizatio Cria Grosa ad Ajith Abraham Ceter of Excellece for Quatifiable Quality of Service Norwegia Uiversity of Sciece ad Techology Trodheim, Norway {cria, ajith}@q2s.tu.o

More information

Repeating Decimals are decimal numbers that have number(s) after the decimal point that repeat in a pattern.

Repeating Decimals are decimal numbers that have number(s) after the decimal point that repeat in a pattern. 5.5 Fractios ad Decimals Steps for Chagig a Fractio to a Decimal. Simplify the fractio, if possible. 2. Divide the umerator by the deomiator. d d Repeatig Decimals Repeatig Decimals are decimal umbers

More information

The analysis of the Cournot oligopoly model considering the subjective motive in the strategy selection

The analysis of the Cournot oligopoly model considering the subjective motive in the strategy selection The aalysis of the Courot oligopoly model cosiderig the subjective motive i the strategy selectio Shigehito Furuyama Teruhisa Nakai Departmet of Systems Maagemet Egieerig Faculty of Egieerig Kasai Uiversity

More information

Harnessing Natural and Human Capital 2009 10

Harnessing Natural and Human Capital 2009 10 NATURAL RESOURCES INSTITUTE Haressig Natural ad Huma Capital 2009 10 www.ri.org Who we are The Natural Resources Istitute (NRI) is a specialist istitute of the Uiversity of Greewich. We provide research,

More information

Elementary Theory of Russian Roulette

Elementary Theory of Russian Roulette Elemetary Theory of Russia Roulette -iterestig patters of fractios- Satoshi Hashiba Daisuke Miematsu Ryohei Miyadera Itroductio. Today we are goig to study mathematical theory of Russia roulette. If some

More information

Use Your Home to Stay at Home. The official reverse mortgage consumer booklet approved by the U.S. Department of Housing & Urban Development

Use Your Home to Stay at Home. The official reverse mortgage consumer booklet approved by the U.S. Department of Housing & Urban Development Use Your Home to The official reverse mortgage cosumer booklet approved by the U.S. Departmet of Housig & Urba Developmet The Natioal Coucil o Agig (NCOA) is committed to helpig older persos to maximize

More information