Texas Instruments 30Xa Calculator


 Joel Cole
 1 years ago
 Views:
Transcription
1 Teas Instruments 30Xa Calculator Keystrokes for the TI30Xa are shown for a few topcs n whch keystrokes are unque. Start by readng the Quk Start secton. Then, before begnnng a specfc unt of the tet, check to see f ths ncludes keystrokes for that unt. Gong through the keystrokes before class wll help, especally f your nstructor cannot nclude nstructons for the TI30Xa durng class. Quk Start Calculator regsters. Most keys have 2 functons. One appears n whte on the face of the key. The second functon appears n gold above the key. To access the functon appearng n gold, press [2nd] frst. Arthmetc. Arthmetc can be done as shown below. Eample: Multply,222 by 32.8,222 [ ] 32.8 [ = ] 40,08.60 answer Notce, when keyng n,222 we dd not key n a comma (there s no comma key). The comma s shown n keystrokes for clarty. Also, notce that we dd not key n the decmal pont when enterng,222; the calculator presumes there s a decmal pont at the far rght. Correctng entres. To erase the last dgt entered, press [ ² ]. Pressng [ON/C] durng an operaton clears that operaton. Pressng [ON/C] after an operaton s complete clears the dsplay. Negatve numbers. The sgn of a dsplayed number can be changed by pressng [+ W ]. nd Settng the decmal. To change the decmal settng, press [2 ] [FIX], then type the number of decmal places you want nd (from 0 to 9). For a floatng decmal, press [2 ] [FIX] [. ]. Tmesavng regsters. Suppose we want to calculate the total monthly rent on a 72unt apartment buldng n whch 36 unts rent for $850 each, 24 rent for $900 each, and 2 rent for $925 each. One approach would be to wrte down subtotals, then add subtotals: Here are two other approaches: 36 $850 $30, $900 2,600 2 $925 +,00 Total $63,300 use storage regsters 36 [ ] 850 [ = ] 30, frst subtotal [STO] 30, stored n regster 24 [ ] 900 [ = ] 2, second subtotal [STO] 2 2, stored n regster 2 2 [ ] 925 [ = ],00.00 thrd subtotal [ + ] [RCL] 30, frst subtotal, recalled [ = ] 4, result [ + ] [RCL] 2 2, second subtotal, recalled [ = ] 63, total use parentheses 36 [ ] 850 [ = ] 30, frst subtotal [ + ] ( 24 [ ] 900 ) 2, second subtotal [ + ] ( 2 [ ] 925 ),00.00 thrd subtotal [ = ] 63, total
2 Unt 3. Mathematcal symbols and epressons 2 5 Eample 2 Use a calculator to fnd the value of: a. 23 b [ ] result 4 [ y ] 5 [ = ] result Unt 4.2 The percent formulas Eample (Arthmetc porton) Multply 5,600 by 70%. multply by a decmal number 5,600 [ ].70 [ = ] 3, answer multply by a percent 5,600 [ ] 70 [2nd] [ % ] [ = ] 3, answer Unt 4.3 Increase and decrease problems Eample You buy a TV for $350. You must also pay sales ta of 6%. Frst fnd the amount of sales ta. Then, determne the total amount you must pay prce of TV [ + ] 6 [2nd] [ % ] 2.00 sales ta [ = ] total amount due Eample 3 You retan a real estate agent to help sell your home. The home sells for $200,000, and you have agreed to pay your real estate agent a 7% commsson. Frst fnd the commsson. Then, determne the net amount you wll receve after the commsson. 200, ,000 sellng prce [  ] 7 [2nd] [ % ] 4, commsson [ = ] 86, net, after the commsson Chapters 0 & Compound nterest formulas Usng a calculator properly s essental n workng wth the compound nterest formulas of Illustraton 0. An eample wll be gven for each of the 8 compound nterest formulas. We wll begn wth Formula A. Before startng, here are a few thngs worth notng: C There are several ways to do the arthmetc; the keystrokes shown n ths secton are only one choce. The keystrokes shown may, n some cases, be longer than another method but are used because the method s consdered to be more conceptually sound and easer to remember. C Here s a tp: Try your own keystrokes before lookng at ours. If your approach makes sense, use t because t wll be easer to remember. If you have dffculty, then revew our suggested keystrokes. C The dsplayed values shown n the keystrokes have 2 decmal places. Havng our decmal set at more or less places wll not affect the fnal answer, provded we use chan calculatons (remember that chan calculatons use the nternal, more accurate value, not the dsplayed value).
3 Formula A Eample of Unt 0.2 You get an ncome ta refund of $,700 and depost the money n a savngs plan for 6 years, earnng 6% compounded quarterly. Fnd the endng balance usng compound nterest formulas. n 24 FV = PV ( + ) = $,700 (.05) = $2, [ y ] 24 [ = ] to the 24th power [ ],700 [ = ] 2,430.5 answer Eample 2 of Unt 0.2 Suppose a wse man had deposted $ n a savngs account 2,000 years ago and the account earned nterest at 2% compounded annually. If the money n the account today were evenly dvded among the world s populaton, how much would each person receve, based on a world populaton of 7 bllon? n 2000 FV = PV ( + ) = $ (.02) Then dvde by 7,000,000, [ y ] 2,000 [ = ].59 7 account balance, n scentfc notaton [2nd] [FIX] balance, wth more dgts, scentfc notaton [ ] 7,000,000,000 [ = ] 22,659, amount per person [2nd] [FIX] 2 22,659, decmal back to 2 places Formula B Eample 4, Unt 0.2 You depost $00 at the end of each year for 4 years, earnng 6% compounded annually. Use compound nterest formulas to fnd the balance n 4 years. FV ' PMT ( % )n & $00 (.06)4 & = = $ [ y ] 4 [ = ] [  ] [ = ] 0.26 value of numerator [ ].06 [ = ] 4.37 value nsde of brackets [ ] 00 [ = ] FV Formula 2A Eample of Unt 0.3 Your aunt says she wll gve you $2,430.5 n 6 years. Assumng that you can earn 6% compounded quarterly, what s the real value of her promse, n today s dollars? PV ' FV ( % ) ' $2,430.5 n (.05) 24 = $, [ y ] 24 [ = ].43 value of denomnator [STO].43 ths value s stored n regster 2,430.5 [ ] [RCL].43 recalled the value [ = ], answer
4 Formula 2B Eample 2 of Unt 0.3 You are sellng a valuable con. You have two offers. The frst offer s for $5,500 cash. Wth the second offer, the buyer wll pay you $2,000 at the end of each year for 3 years. Assumng that you can earn 8% compounded annually on your money, whch offer s better? PV ' PMT & ( % ) n & (.08) = $2,000 3 = $5, [ y ] 3 [ = ] to the thrd power [/] 0.79 over (.08 to the thrd power) [+ W ] changed the sgn [ + ] [ = ] 0.2 value of the numerator [ ].08 [ = ] 2.58 value nsde the brackets [ ] 2,000 [ = ] 5,54.9 answer Formula 3 Eample of Unt.4 Dale bought a rare baseball card 3 years ago for $,500. He just sold the card for $2,000 to get some money for hs college tuton. What nterest rate, compounded annually, dd Dale earn on the nvestment? ' FV PV n & $2,000 = 3 & = % (wth 4 decmal places) $,500 2,000 [ ],500 [ = ].33 value nsde of parentheses [ y ] ( [ ] 3 ) [ = ].0 prevous value to the /3 power [  ] [ = ] 0.0 rate, n decmal form, wth decmal at 2 [2nd] [FIX] rate, n decmal form, wth decmal at 6 [2nd] [FIX] put decmal back at 2 places Formula 4A Eample 2 of Unt. You want to accumulate $200,000 for retrement n 40 years. You can earn 6.75% compounded monthly. What amount must you depost at the end of each month n order to accumulate $200,000 n 40 years? PMT ' FV () ( % ) n & = $200,000 ( ) = $8.7 ( ) 480 & [ y ] 480 [ = ] [  ] [ = ] 3.77 value of denomnator [STO] 3.77 stored the value 200,000 [ ] [ = ],25.00 value of numerator [ ] [RCL] 3.77 denomnator, recalled [ = ] 8.7 answer
5 Formula 4B Eample 2 of Unt.2 Suppose you have accumulated $500,000, perhaps from many years of savngs or from an nhertance. You put the money n a savngs plan earnng 6% compounded monthly. You want the plan to last 40 years. How much can you wthdraw at the end of each month? PMT ' PV () & ( % ) n $500,000 (.005) = = $2,75.07 & (.005) [ y ] 480 [ = ] 0.96 th.005 to the 480 power [/] 0.09 th over (.005 to the 480 power) [+ W ] changed the sgn [ + ] [ = ] 0.9 value of denomnator [STO] 0.9 stored the value 500,000 [ ].005 [ = ] 2, value of numerator [ ] [RCL] 0.9 recalled the denomnator [ = ] 2,75.07 answer
6 Formula 5 Eample 3 of Unt. You want to start a restaurant busness and estmate t wll take $28,000 to get started. You currently have $3,000 and can depost an addtonal $425 at the end of each month. If your savngs wll earn 9% compounded monthly, n how many months can you start your busness? For Formula 5 we must use proper sgn conventon for PV, FV, and PMT: PV = negatve $3,000 (negatve because you pay ths amount nto a savngs plan) FV = $28,000 (postve because you wll get ths amount back from the savngs plan) PMT = negatve $425 (negatve because you pay ths amount nto a savngs plan) n ' &ln PV % ( PMT ) PMT & FV ln(%) &$3,000 % &$ &ln &$ & $28,000 = = months ln(.0075) Step : Compute and store ($425 over.0075) 425 [+ W  ] [ ].0075 [ = ] 56, value of (  $425 over.0075) [STO] 56, stored n regster Step 2: Compute and store the value of the denomnator nsde of large brackets [  ] 28,000 [ = ] 84, value of the denomnator nsde of large brackets [STO] 284, stored n regster 2 Step 3: Compute and store the value of the man denomnator.0075 [LN] 0.0 the natural log of.0075 [STO] stored n regster 3 Step 4: Compute the value of total numerator [RCL] 56, value of (  $425 over.0075) [  ] 3,000 [ = ] 59, value of numerator nsde of large brackets [ ] [RCL] 284, denomnator nsde of large brackets, recalled [ = ] 0.70 total value nsde of large brackets [LN] the natural log of the prevous value [+ W  ] 0.35 value of the total numerator Step 5: Fnd answer [ ] [RCL] recalled [ = ] answer Formula 5 47
Texas Instruments 30X IIS Calculator
Texas Instruments 30X IIS Calculator Keystrokes for the TI30X IIS are shown for a few topcs n whch keystrokes are unque. Start by readng the Quk Start secton. Then, before begnnng a specfc unt of the
More information10.2 Future Value and Present Value of an Ordinary Simple Annuity
348 Chapter 10 Annutes 10.2 Future Value and Present Value of an Ordnary Smple Annuty In compound nterest, 'n' s the number of compoundng perods durng the term. In an ordnary smple annuty, payments are
More informationSection 5.4 Annuities, Present Value, and Amortization
Secton 5.4 Annutes, Present Value, and Amortzaton Present Value In Secton 5.2, we saw that the present value of A dollars at nterest rate per perod for n perods s the amount that must be deposted today
More information7.5. Present Value of an Annuity. Investigate
7.5 Present Value of an Annuty Owen and Anna are approachng retrement and are puttng ther fnances n order. They have worked hard and nvested ther earnngs so that they now have a large amount of money on
More informationUsing Series to Analyze Financial Situations: Present Value
2.8 Usng Seres to Analyze Fnancal Stuatons: Present Value In the prevous secton, you learned how to calculate the amount, or future value, of an ordnary smple annuty. The amount s the sum of the accumulated
More informationLecture 3: Force of Interest, Real Interest Rate, Annuity
Lecture 3: Force of Interest, Real Interest Rate, Annuty Goals: Study contnuous compoundng and force of nterest Dscuss real nterest rate Learn annutymmedate, and ts present value Study annutydue, and
More informationSection 2.3 Present Value of an Annuity; Amortization
Secton 2.3 Present Value of an Annuty; Amortzaton Prncpal Intal Value PV s the present value or present sum of the payments. PMT s the perodc payments. Gven r = 6% semannually, n order to wthdraw $1,000.00
More informationSection 5.3 Annuities, Future Value, and Sinking Funds
Secton 5.3 Annutes, Future Value, and Snkng Funds Ordnary Annutes A sequence of equal payments made at equal perods of tme s called an annuty. The tme between payments s the payment perod, and the tme
More informationTime Value of Money. Types of Interest. Compounding and Discounting Single Sums. Page 1. Ch. 6  The Time Value of Money. The Time Value of Money
Ch. 6  The Tme Value of Money Tme Value of Money The Interest Rate Smple Interest Compound Interest Amortzng a Loan FIN21 Ahmed Y, Dasht TIME VALUE OF MONEY OR DISCOUNTED CASH FLOW ANALYSIS Very Important
More informationA Master Time Value of Money Formula. Floyd Vest
A Master Tme Value of Money Formula Floyd Vest For Fnancal Functons on a calculator or computer, Master Tme Value of Money (TVM) Formulas are usually used for the Compound Interest Formula and for Annutes.
More informationThursday, December 10, 2009 Noon  1:50 pm Faraday 143
1. ath 210 Fnte athematcs Chapter 5.2 and 4.3 Annutes ortgages Amortzaton Professor Rchard Blecksmth Dept. of athematcal Scences Northern Illnos Unversty ath 210 Webste: http://math.nu.edu/courses/math210
More informationSection 2.2 Future Value of an Annuity
Secton 2.2 Future Value of an Annuty Annuty s any sequence of equal perodc payments. Depost s equal payment each nterval There are two basc types of annutes. An annuty due requres that the frst payment
More informationLecture 3: Annuity. Study annuities whose payments form a geometric progression or a arithmetic progression.
Lecture 3: Annuty Goals: Learn contnuous annuty and perpetuty. Study annutes whose payments form a geometrc progresson or a arthmetc progresson. Dscuss yeld rates. Introduce Amortzaton Suggested Textbook
More information1. Math 210 Finite Mathematics
1. ath 210 Fnte athematcs Chapter 5.2 and 5.3 Annutes ortgages Amortzaton Professor Rchard Blecksmth Dept. of athematcal Scences Northern Illnos Unversty ath 210 Webste: http://math.nu.edu/courses/math210
More informationSolution: Let i = 10% and d = 5%. By definition, the respective forces of interest on funds A and B are. i 1 + it. S A (t) = d (1 dt) 2 1. = d 1 dt.
Chapter 9 Revew problems 9.1 Interest rate measurement Example 9.1. Fund A accumulates at a smple nterest rate of 10%. Fund B accumulates at a smple dscount rate of 5%. Fnd the pont n tme at whch the forces
More informationIn our example i = r/12 =.0825/12 At the end of the first month after your payment is received your amount in the account, the balance, is
Payout annutes: Start wth P dollars, e.g., P = 100, 000. Over a 30 year perod you receve equal payments of A dollars at the end of each month. The amount of money left n the account, the balance, earns
More informationSimple Interest Loans (Section 5.1) :
Chapter 5 Fnance The frst part of ths revew wll explan the dfferent nterest and nvestment equatons you learned n secton 5.1 through 5.4 of your textbook and go through several examples. The second part
More informationMathematics of Finance
5 Mathematcs of Fnance 5.1 Smple and Compound Interest 5.2 Future Value of an Annuty 5.3 Present Value of an Annuty;Amortzaton Chapter 5 Revew Extended Applcaton:Tme, Money, and Polynomals Buyng a car
More informationTime Value of Money Module
Tme Value of Money Module O BJECTIVES After readng ths Module, you wll be able to: Understand smple nterest and compound nterest. 2 Compute and use the future value of a sngle sum. 3 Compute and use the
More information10. (# 45, May 2001). At time t = 0, 1 is deposited into each of Fund X and Fund Y. Fund X accumulates at a force of interest
1 Exam FM questons 1. (# 12, May 2001). Bruce and Robbe each open up new bank accounts at tme 0. Bruce deposts 100 nto hs bank account, and Robbe deposts 50 nto hs. Each account earns an annual e ectve
More information8.4. Annuities: Future Value. INVESTIGATE the Math. 504 8.4 Annuities: Future Value
8. Annutes: Future Value YOU WILL NEED graphng calculator spreadsheet software GOAL Determne the future value of an annuty earnng compound nterest. INVESTIGATE the Math Chrstne decdes to nvest $000 at
More information0.02t if 0 t 3 δ t = 0.045 if 3 < t
1 Exam FM questons 1. (# 12, May 2001). Bruce and Robbe each open up new bank accounts at tme 0. Bruce deposts 100 nto hs bank account, and Robbe deposts 50 nto hs. Each account earns an annual effectve
More informationFinite Math Chapter 10: Study Guide and Solution to Problems
Fnte Math Chapter 10: Study Gude and Soluton to Problems Basc Formulas and Concepts 10.1 Interest Basc Concepts Interest A fee a bank pays you for money you depost nto a savngs account. Prncpal P The amount
More informationFINANCIAL MATHEMATICS
3 LESSON FINANCIAL MATHEMATICS Annutes What s an annuty? The term annuty s used n fnancal mathematcs to refer to any termnatng sequence of regular fxed payments over a specfed perod of tme. Loans are usually
More informationMathematics of Finance
CHAPTER 5 Mathematcs of Fnance 5.1 Smple and Compound Interest 5.2 Future Value of an Annuty 5.3 Present Value of an Annuty; Amortzaton Revew Exercses Extended Applcaton: Tme, Money, and Polynomals Buyng
More informationEXAMPLE PROBLEMS SOLVED USING THE SHARP EL733A CALCULATOR
EXAMPLE PROBLEMS SOLVED USING THE SHARP EL733A 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 informationLevel Annuities with Payments Less Frequent than Each Interest Period
Level Annutes wth Payments Less Frequent than Each Interest Perod 1 Annutymmedate 2 Annutydue Level Annutes wth Payments Less Frequent than Each Interest Perod 1 Annutymmedate 2 Annutydue Symoblc approach
More informationAnswer: A). There is a flatter IS curve in the high MPC economy. Original LM LM after increase in M. IS curve for low MPC economy
4.02 Quz Solutons Fall 2004 MultpleChoce Questons (30/00 ponts) Please, crcle the correct answer for each of the followng 0 multplechoce questons. For each queston, only one of the answers s correct.
More informationMathematics of Finance
Mathematcs of Fnance 5 C H A P T E R CHAPTER OUTLINE 5.1 Smple Interest and Dscount 5.2 Compound Interest 5.3 Annutes, Future Value, and Snkng Funds 5.4 Annutes, Present Value, and Amortzaton CASE STUDY
More informationTrafficlight a stress test for life insurance provisions
MEMORANDUM Date 006097 Authors Bengt von Bahr, Göran Ronge Traffclght a stress test for lfe nsurance provsons Fnansnspetonen P.O. Box 6750 SE113 85 Stocholm [Sveavägen 167] Tel +46 8 787 80 00 Fax
More informationSmall pots lump sum payment instruction
For customers Small pots lump sum payment nstructon Please read these notes before completng ths nstructon About ths nstructon Use ths nstructon f you re an ndvdual wth Aegon Retrement Choces Self Invested
More informationISLM Model 1 C' dy = di
 odel Solow Assumptons  demand rrelevant n long run; assumes economy s operatng at potental GDP; concerned wth growth  Assumptons  supply s rrelevant n short run; assumes economy s operatng below potental
More informationInterest Rate Futures
Interest Rate Futures Chapter 6 6.1 Day Count Conventons n the U.S. (Page 129) Treasury Bonds: Corporate Bonds: Money Market Instruments: Actual/Actual (n perod) 30/360 Actual/360 The day count conventon
More informationStaff Paper. Farm Savings Accounts: Examining Income Variability, Eligibility, and Benefits. Brent Gloy, Eddy LaDue, and Charles Cuykendall
SP 200502 August 2005 Staff Paper Department of Appled Economcs and Management Cornell Unversty, Ithaca, New York 148537801 USA Farm Savngs Accounts: Examnng Income Varablty, Elgblty, and Benefts Brent
More informationAn Overview of Financial Mathematics
An Overvew of Fnancal Mathematcs Wllam Benedct McCartney July 2012 Abstract Ths document s meant to be a quck ntroducton to nterest theory. It s wrtten specfcally for actuaral students preparng to take
More information1. Measuring association using correlation and regression
How to measure assocaton I: Correlaton. 1. Measurng assocaton usng correlaton and regresson We often would lke to know how one varable, such as a mother's weght, s related to another varable, such as a
More informationFINANCIAL MATHEMATICS. A Practical Guide for Actuaries. and other Business Professionals
FINANCIAL MATHEMATICS A Practcal Gude for Actuares and other Busness Professonals Second Edton CHRIS RUCKMAN, FSA, MAAA JOE FRANCIS, FSA, MAAA, CFA Study Notes Prepared by Kevn Shand, FSA, FCIA Assstant
More informationInstitute of Informatics, Faculty of Business and Management, Brno University of Technology,Czech Republic
Lagrange Multplers as Quanttatve Indcators n Economcs Ivan Mezník Insttute of Informatcs, Faculty of Busness and Management, Brno Unversty of TechnologCzech Republc Abstract The quanttatve role of Lagrange
More informationJoe Pimbley, unpublished, 2005. Yield Curve Calculations
Joe Pmbley, unpublshed, 005. Yeld Curve Calculatons Background: Everythng s dscount factors Yeld curve calculatons nclude valuaton of forward rate agreements (FRAs), swaps, nterest rate optons, and forward
More informationANALYSIS OF FINANCIAL FLOWS
ANALYSIS OF FINANCIAL FLOWS AND INVESTMENTS II 4 Annutes Only rarely wll one encounter an nvestment or loan where the underlyng fnancal arrangement s as smple as the lump sum, sngle cash flow problems
More informationCHOLESTEROL REFERENCE METHOD LABORATORY NETWORK. Sample Stability Protocol
CHOLESTEROL REFERENCE METHOD LABORATORY NETWORK Sample Stablty Protocol Background The Cholesterol Reference Method Laboratory Network (CRMLN) developed certfcaton protocols for total cholesterol, HDL
More informationLogistic Regression. Lecture 4: More classifiers and classes. Logistic regression. Adaboost. Optimization. Multiple class classification
Lecture 4: More classfers and classes C4B Machne Learnng Hlary 20 A. Zsserman Logstc regresson Loss functons revsted Adaboost Loss functons revsted Optmzaton Multple class classfcaton Logstc Regresson
More informationOn some special nonlevel annuities and yield rates for annuities
On some specal nonlevel annutes and yeld rates for annutes 1 Annutes wth payments n geometrc progresson 2 Annutes wth payments n Arthmetc Progresson 1 Annutes wth payments n geometrc progresson 2 Annutes
More informationAn Alternative Way to Measure Private Equity Performance
An Alternatve Way to Measure Prvate Equty Performance Peter Todd Parlux Investment Technology LLC Summary Internal Rate of Return (IRR) s probably the most common way to measure the performance of prvate
More informationSIMPLE LINEAR CORRELATION
SIMPLE LINEAR CORRELATION Smple lnear correlaton s a measure of the degree to whch two varables vary together, or a measure of the ntensty of the assocaton between two varables. Correlaton often s abused.
More informationwww.gov.uk/studentfinance 2016/17
www.gov.uk/studentfnance SECTION 1 WHAT SUPPORT CAN YOU GET? FEES, LOANS, GRANTS & MORE *Fgures shown n ths secton are based on the 2015/16 student fnance polcy and may change SECTION 1 TUITION FEES AND
More informationProfessor Iordanis Karagiannidis. 2010 Iordanis Karagiannidis
Fnancal Modelng Notes Basc Excel Fnancal Functons Professor Iordans Karagannds Excel Functons Excel Functons are preformatted formulas that allow you to perform arthmetc and other operatons very quckly
More informationReporting Forms ARF 113.0A, ARF 113.0B, ARF 113.0C and ARF 113.0D FIRB Corporate (including SME Corporate), Sovereign and Bank Instruction Guide
Reportng Forms ARF 113.0A, ARF 113.0B, ARF 113.0C and ARF 113.0D FIRB Corporate (ncludng SME Corporate), Soveregn and Bank Instructon Gude Ths nstructon gude s desgned to assst n the completon of the FIRB
More informationTrivial lump sum R5.0
Optons form Once you have flled n ths form, please return t wth your orgnal brth certfcate to: Premer PO Box 2067 Croydon CR90 9ND. Fll n ths form usng BLOCK CAPITALS and black nk. Mark all answers wth
More informationDEFINING %COMPLETE IN MICROSOFT PROJECT
CelersSystems DEFINING %COMPLETE IN MICROSOFT PROJECT PREPARED BY James E Aksel, PMP, PMISP, MVP For Addtonal Informaton about Earned Value Management Systems and reportng, please contact: CelersSystems,
More informationChapter 15: Debt and Taxes
Chapter 15: Debt and Taxes1 Chapter 15: Debt and Taxes I. Basc Ideas 1. Corporate Taxes => nterest expense s tax deductble => as debt ncreases, corporate taxes fall => ncentve to fund the frm wth debt
More informationCausal, Explanatory Forecasting. Analysis. Regression Analysis. Simple Linear Regression. Which is Independent? Forecasting
Causal, Explanatory Forecastng Assumes causeandeffect relatonshp between system nputs and ts output Forecastng wth Regresson Analyss Rchard S. Barr Inputs System Cause + Effect Relatonshp The job of
More informationWhat is Candidate Sampling
What s Canddate Samplng Say we have a multclass or mult label problem where each tranng example ( x, T ) conssts of a context x a small (mult)set of target classes T out of a large unverse L of possble
More informationA) 3.1 B) 3.3 C) 3.5 D) 3.7 E) 3.9 Solution.
ACTS 408 Instructor: Natala A. Humphreys SOLUTION TO HOMEWOR 4 Secton 7: Annutes whose payments follow a geometrc progresson. Secton 8: Annutes whose payments follow an arthmetc progresson. Problem Suppose
More informationIntrayear Cash Flow Patterns: A Simple Solution for an Unnecessary Appraisal Error
Intrayear Cash Flow Patterns: A Smple Soluton for an Unnecessary Apprasal Error By C. Donald Wggns (Professor of Accountng and Fnance, the Unversty of North Florda), B. Perry Woodsde (Assocate Professor
More informationProject Networks With MixedTime Constraints
Project Networs Wth MxedTme Constrants L Caccetta and B Wattananon Western Australan Centre of Excellence n Industral Optmsaton (WACEIO) Curtn Unversty of Technology GPO Box U1987 Perth Western Australa
More informationUncrystallised funds pension lump sum payment instruction
For customers Uncrystallsed funds penson lump sum payment nstructon Don t complete ths form f your wrapper s derved from a penson credt receved followng a dvorce where your ex spouse or cvl partner had
More informationVRT012 User s guide V0.1. Address: Žirmūnų g. 27, Vilnius LT09105, Phone: (3705) 2127472, Fax: (3705) 276 1380, Email: info@teltonika.
VRT012 User s gude V0.1 Thank you for purchasng our product. We hope ths userfrendly devce wll be helpful n realsng your deas and brngng comfort to your lfe. Please take few mnutes to read ths manual
More informationRecurrence. 1 Definitions and main statements
Recurrence 1 Defntons and man statements Let X n, n = 0, 1, 2,... be a MC wth the state space S = (1, 2,...), transton probabltes p j = P {X n+1 = j X n = }, and the transton matrx P = (p j ),j S def.
More informationLIFETIME INCOME OPTIONS
LIFETIME INCOME OPTIONS May 2011 by: Marca S. Wagner, Esq. The Wagner Law Group A Professonal Corporaton 99 Summer Street, 13 th Floor Boston, MA 02110 Tel: (617) 3575200 Fax: (617) 3575250 www.ersalawyers.com
More information3. Time value of money. We will review some tools for discounting cash flows.
1 3. Time value of money We will review some tools for discounting cash flows. Simple interest 2 With simple interest, the amount earned each period is always the same: i = rp o where i = interest earned
More informationModule 2 LOSSLESS IMAGE COMPRESSION SYSTEMS. Version 2 ECE IIT, Kharagpur
Module LOSSLESS IMAGE COMPRESSION SYSTEMS Lesson 3 Lossless Compresson: Huffman Codng Instructonal Objectves At the end of ths lesson, the students should be able to:. Defne and measure source entropy..
More informationChapter 15 Debt and Taxes
hapter 15 Debt and Taxes 151. Pelamed Pharmaceutcals has EBIT of $325 mllon n 2006. In addton, Pelamed has nterest expenses of $125 mllon and a corporate tax rate of 40%. a. What s Pelamed s 2006 net
More informationCHAPTER 14 MORE ABOUT REGRESSION
CHAPTER 14 MORE ABOUT REGRESSION We learned n Chapter 5 that often a straght lne descrbes the pattern of a relatonshp between two quanttatve varables. For nstance, n Example 5.1 we explored the relatonshp
More informationWith compound interest you earn an additional $128.89 ($1628.89  $1500).
Compound Interest Interest is the amount you receive for lending money (making an investment) or the fee you pay for borrowing money. Compound interest is interest that is calculated using both the principle
More informationExtending Probabilistic Dynamic Epistemic Logic
Extendng Probablstc Dynamc Epstemc Logc Joshua Sack May 29, 2008 Probablty Space Defnton A probablty space s a tuple (S, A, µ), where 1 S s a set called the sample space. 2 A P(S) s a σalgebra: a set
More informationHollinger Canadian Publishing Holdings Co. ( HCPH ) proceeding under the Companies Creditors Arrangement Act ( CCAA )
February 17, 2011 Andrew J. Hatnay ahatnay@kmlaw.ca Dear Sr/Madam: Re: Re: Hollnger Canadan Publshng Holdngs Co. ( HCPH ) proceedng under the Companes Credtors Arrangement Act ( CCAA ) Update on CCAA Proceedngs
More informationFinancial Mathemetics
Fnancal Mathemetcs 15 Mathematcs Grade 12 Teacher Gude Fnancal Maths Seres Overvew In ths seres we am to show how Mathematcs can be used to support personal fnancal decsons. In ths seres we jon Tebogo,
More informationPSYCHOLOGICAL RESEARCH (PYC 304C) Lecture 12
14 The Chsquared dstrbuton PSYCHOLOGICAL RESEARCH (PYC 304C) Lecture 1 If a normal varable X, havng mean µ and varance σ, s standardsed, the new varable Z has a mean 0 and varance 1. When ths standardsed
More informationSUPPLIER FINANCING AND STOCK MANAGEMENT. A JOINT VIEW.
SUPPLIER FINANCING AND STOCK MANAGEMENT. A JOINT VIEW. Lucía Isabel García Cebrán Departamento de Economía y Dreccón de Empresas Unversdad de Zaragoza Gran Vía, 2 50.005 Zaragoza (Span) Phone: 976761000
More informationAbstract # 0150399 Working Capital Exposure: A Methodology to Control Economic Performance in Production Environment Projects
Abstract # 0150399 Workng Captal Exposure: A Methodology to Control Economc Performance n Producton Envronment Projects Dego F. Manotas. School of Industral Engneerng and Statstcs, Unversdad del Valle.
More informationChapter 3 0.06 = 3000 ( 1.015 ( 1 ) Present Value of an Annuity. Section 4 Present Value of an Annuity; Amortization
Chapter 3 Mathematcs of Face Secto 4 Preset Value of a Auty; Amortzato Preset Value of a Auty I ths secto, we wll address the problem of determg the amout that should be deposted to a accout ow at a gve
More informationConstruction Rules for Morningstar Canada Target Dividend Index SM
Constructon Rules for Mornngstar Canada Target Dvdend Index SM Mornngstar Methodology Paper October 2014 Verson 1.2 2014 Mornngstar, Inc. All rghts reserved. The nformaton n ths document s the property
More informationtotal A A reag total A A r eag
hapter 5 Standardzng nalytcal Methods hapter Overvew 5 nalytcal Standards 5B albratng the Sgnal (S total ) 5 Determnng the Senstvty (k ) 5D Lnear Regresson and albraton urves 5E ompensatng for the Reagent
More informationAddendum to: Importing SkillBiased Technology
Addendum to: Importng SkllBased Technology Arel Bursten UCLA and NBER Javer Cravno UCLA August 202 Jonathan Vogel Columba and NBER Abstract Ths Addendum derves the results dscussed n secton 3.3 of our
More informationAmeriprise Financial Services, Inc. or RiverSource Life Insurance Company Account Registration
CED0105200808 Amerprse Fnancal Servces, Inc. 70400 Amerprse Fnancal Center Mnneapols, MN 55474 Incomng Account Transfer/Exchange/ Drect Rollover (Qualfed Plans Only) for Amerprse certfcates, Columba mutual
More informationNumber of Levels Cumulative Annual operating Income per year construction costs costs ($) ($) ($) 1 600,000 35,000 100,000 2 2,200,000 60,000 350,000
Problem Set 5 Solutons 1 MIT s consderng buldng a new car park near Kendall Square. o unversty funds are avalable (overhead rates are under pressure and the new faclty would have to pay for tself from
More informationChapter 5 & 6 Financial Calculator and Examples
Chapter 5 & 6 Financial Calculator and Examples Konan Chan Financial Management, Spring 2016 Five Factors in TVM Present value: PV Future value: FV Discount rate: r Payment: PMT Number of periods: N Get
More informationTrafficlight extended with stress test for insurance and expense risks in life insurance
PROMEMORIA Datum 0 July 007 FI Dnr 07117130 Fnansnspetonen Författare Bengt von Bahr, Göran Ronge Traffclght extended wth stress test for nsurance and expense rss n lfe nsurance Summary Ths memorandum
More informationInterest Rate Fundamentals
Lecture Part II Interest Rate Fundamentals Topcs n Quanttatve Fnance: Inflaton Dervatves Instructor: Iraj Kan Fundamentals of Interest Rates In part II of ths lecture we wll consder fundamental concepts
More information1.1 The University may award Higher Doctorate degrees as specified from timetotime in UPR AS11 1.
HIGHER DOCTORATE DEGREES SUMMARY OF PRINCIPAL CHANGES General changes None Secton 3.2 Refer to text (Amendments to verson 03.0, UPR AS02 are shown n talcs.) 1 INTRODUCTION 1.1 The Unversty may award Hgher
More informationDISCLOSURES I. ELECTRONIC FUND TRANSFER DISCLOSURE (REGULATION E)... 2 ELECTRONIC DISCLOSURE AND ELECTRONIC SIGNATURE CONSENT... 7
DISCLOSURES The Dsclosures set forth below may affect the accounts you have selected wth Bank Leum USA. Read these dsclosures carefully as they descrbe your rghts and oblgatons for the accounts and/or
More informationREQUIRED FOR YEAR END 31 MARCH 2015. Your business information
REQUIRED FOR YEAR END 31 MARCH 2015 Your busness nformaton Your detals Busness detals Busness name Balance date IRD number Contact detals  to ensure our records are up to date, please complete the followng
More informationTime Value of Money Practice Questions Irfanullah.co
1. You are trying to estimate the required rate of return for a particular investment. Which of the following premiums are you least likely to consider? A. Inflation premium B. Maturity premium C. Nominal
More informationwhere the coordinates are related to those in the old frame as follows.
Chapter 2  Cartesan Vectors and Tensors: Ther Algebra Defnton of a vector Examples of vectors Scalar multplcaton Addton of vectors coplanar vectors Unt vectors A bass of noncoplanar vectors Scalar product
More informationHelp is a tou ch of a button away. Telecare  keeping you safe and independent in your own home. i Personal emergency equipment
Help s a tou ch of a button away Telecare  keepng you safe and ndependent n your own home Personal emergency equpment 24/7 moble response  ncludng a dgnty savng lftng servce Professonal support Welcome
More information132. Annuities Due. Chapter 13. MH Ryerson
132 Annuities Due Chapter 13 133 Learning Objectives After completing this chapter, you will be able to: > Calculate the future value and present value of annuities due. > Calculate the payment size,
More informationTrade Adjustment and Productivity in Large Crises. Online Appendix May 2013. Appendix A: Derivation of Equations for Productivity
Trade Adjustment Productvty n Large Crses Gta Gopnath Department of Economcs Harvard Unversty NBER Brent Neman Booth School of Busness Unversty of Chcago NBER Onlne Appendx May 2013 Appendx A: Dervaton
More informationWe are now ready to answer the question: What are the possible cardinalities for finite fields?
Chapter 3 Fnte felds We have seen, n the prevous chapters, some examples of fnte felds. For example, the resdue class rng Z/pZ (when p s a prme) forms a feld wth p elements whch may be dentfed wth the
More informationReporting Instructions for Schedules A through S
FFIEC 0 Reportng Instructons for Schedules A through S FFIEC 0 FFIEC 0 CONTENTS INSTRUCTIONS FOR PREPARATION OF FFIEC 0 RskBased Captal Reportng for Insttutons Subject to the Advanced Captal Adequacy
More informationPowerofTwo Policies for Single Warehouse MultiRetailer Inventory Systems with Order Frequency Discounts
Powerofwo Polces for Sngle Warehouse MultRetaler Inventory Systems wth Order Frequency Dscounts José A. Ventura Pennsylvana State Unversty (USA) Yale. Herer echnon Israel Insttute of echnology (Israel)
More informationT3 Comfort connected to IP Office
elephony IP T Contact Centers Moblty Servces T3 Comfort connected to IP Offce Benutzerhandbuch User s gude Manual de usuaro Manuel utlsateur Manuale d uso Gebrukersdocumentate Contents Content Famlarse
More informationOrdinary Annuities Chapter 10
Ordinary Annuities Chapter 10 Learning Objectives After completing this chapter, you will be able to: > Define and distinguish between ordinary simple annuities and ordinary general annuities. > Calculate
More informationSTATISTICAL DATA ANALYSIS IN EXCEL
Mcroarray Center STATISTICAL DATA ANALYSIS IN EXCEL Lecture 6 Some Advanced Topcs Dr. Petr Nazarov 1401013 petr.nazarov@crpsante.lu Statstcal data analyss n Ecel. 6. Some advanced topcs Correcton for
More informationNotes on the SHARP EL738 calculator
Chapter 1 Notes on the SHARP EL738 calculator General The SHARP EL738 calculator is recommended for this module. The advantage of this calculator is that it can do basic calculations, financial calculations
More informationClassic 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 informationbenefit is 2, paid if the policyholder dies within the year, and probability of death within the year is ).
REVIEW OF RISK MANAGEMENT CONCEPTS LOSS DISTRIBUTIONS AND INSURANCE Loss and nsurance: When someone s subject to the rsk of ncurrng a fnancal loss, the loss s generally modeled usng a random varable or
More informationHow Sets of Coherent Probabilities May Serve as Models for Degrees of Incoherence
1 st Internatonal Symposum on Imprecse Probabltes and Ther Applcatons, Ghent, Belgum, 29 June 2 July 1999 How Sets of Coherent Probabltes May Serve as Models for Degrees of Incoherence Mar J. Schervsh
More informationTime Value of Money. 2014 Level I Quantitative Methods. IFT Notes for the CFA exam
Time Value of Money 2014 Level I Quantitative Methods IFT Notes for the CFA exam Contents 1. Introduction...2 2. Interest Rates: Interpretation...2 3. The Future Value of a Single Cash Flow...4 4. The
More informationTuition Fee Loan application notes
Tuton Fee Loan applcaton notes for new parttme EU students 2012/13 About these notes These notes should be read along wth your Tuton Fee Loan applcaton form. The notes are splt nto three parts: Part 1
More information