A Portfolio Risk Management Perspective of Outsourcing

Size: px
Start display at page:

Download "A Portfolio Risk Management Perspective of Outsourcing"

Transcription

1 A Portolio Risk Maagt Prsptiv o Outsourig Todd Littl, Ladark Graphis O o th hallgig issus with outsourig, partiularly wh lookig to oshor providrs, is dtriig whih projts to outsour ad how to bala a ovrall projt portolio. Ladark Graphis has b ivolvd i oshor dvlopt or 3 yars ad has wrstld with this issu or so ti. At irst w wr ousd o th pur oois o th dvlopt osts. Th sigly low osts or oshor dvlopt ad it look attrativ as a as to rdu osts. Th ollowig tabl idiats our xpri with th rlativ ost or a dvlopr or svral outris. Coutry Cost Ratio rlativ to US US.00 Caada 0.75 Idia 0.40 Pakista 0.25 Howvr, w ralizd that ost pr dvlopr was a rlativly aiglss tri o its ow. What is rally o itrst is th ost to dlivr th projt. Two additioal paratrs ilu th projt ost: th iiy o th dvloprs ad th itral aagt ovrhad rquird or th projt. Usig ths thr variabls w stablishd a irst ordr idiatio o th outsourig valu rtur o ivstt (s appdix or a or dtaild drivatio). Outsour Valu ROI = / ( + ) - Whr = OUTSOURCE iiy = Equivalt INTERNAL days pr OUTSOURCE day = INTERNAL Maagt ovrhad = INTERNAL days to gt OUTSOURCE day = OUTSOURCE rlativ ost = ost pr OUTSOURCE day / Cost pr INTERNAL day A ROI valu ratio o.0 idiats a brak v rtur o th outsourig ivstt. I th ROI is lss tha 0, th projt ost or to outsour tha it would hav ost to dvlop ihous. As a orward lookig tri, this ratio has sigiiat urtaity. W v s iiy () rag ro 0.0 to as high as.0, but th iiy a oly rally b stiatd si w do t rally kow how log this would hav tak had it b do itrally. I our xpri aagt ovrhad () tds to ru about 0.0 to At last it is possibl to asur or prior projts as a idiator or utur projts.

2 I additio to th larg urtaity i th iiy, thr ar othr lts o risk that should b osidrd. O o th ost ot gltd aspts o outsourig is th hag i th risk proil. Th ollowig risks ar likly to b o or with a outsourig projt, partiularly with a oshor projt: Thial Risk Markt Risk Projt Risk Politial Risk Outsourr Risk Thial Risk Thial risk is a asur o th it btw th projt ad th skills ad apabilitis o th outsourr. It a also b prst i thr is risk assoiatd with th ability o th ustor to abl to dal with a outsourr. To a rtai xtt th thial risk is th priary drivr o th urtaity i th iiy tiod arlir. So o th qustios to b askd ilud: Dos th outsourig opay hav th thial skills ssary to do th work? Dos th outsourr udrstad th busiss doai? Ca th projt rquirts ad spiiatios b did to t th apabilitis o th outsourr? Markt Risk Wh thr is urtaity surroudig th rquirts ad spiiatios, thr is Markt Risk. Agil dvlopt is a xllt way to dal with hagig rquirts, howvr rot dvlopt is outr to ost o th pratis o agil dvlopt. Thos projts with high arkt risk ar typially ot good adidats or outsourig. Projt Risk Prhaps th biggst or i akig a outsourig disio is th risk assoiatd with a dlay or iability to dlivr to projt. Most opais do ot outsour thir or busiss or this vry raso. Dtriig th ost o dlay is ot asy, although th story always ss to b th sa i th projt is ot dlivrd o th proisd dat, hads will roll. Politial Risk May o today s outsourrs ar i dvlopig atios. So o ths atios do ot hav th ost stabl o govrts. Ladark irst startd workig with a Pakista outsourr i Th trrorist attaks i Nw York had a hug ipat o our ability to otiu busiss. Prior to that ti w had b abl to brig a ubr o popl ro Pakista to th US or traiig. Si that ti is has bo arly ipossibl to gt visas. Fortuatly w wr abl to gt th irst group traid ad hav had rasoabl suss with this arragt, but it did liit th projts ad ativitis that w ould outsour. 2

3 Outsourr Risk What is th otigy i th outsourr gos out o busiss? This risk ay b rlatd to th Politial Risk, but is or spiially lookig at th stability o th outsourig opay ad its ploys. Colusio W hav had suiit xpri with oshor outsourig to kow that thr ar opportuitis or ost rdutio. W hav had vry good luk with Caada whr w ar abl to sstially gt o-or-o iiy ad rap th ost bit with alost o risk. W hav had oly liitd xpri with Idia, although our part opay has had xtsiv xpri a Idia ir or a ubr o yars with grally good suss. Our xpri workig with a Pakista outsourr has b or rrati. W hav had so projts that hav b gratly sussul, ad othrs that hav b ailurs. Whil ah additioal projt tahs us sothig w, it is air to say that th risk proil is ivrsly proportioal to th ost proil. As a rsult w hav bgu to adopt th ollowig portolio alloatio or our dvlopt projts: Loatio US itral dvlopt Caada Idia Pakista Projt Typ Cor busiss, issio ritial, iovatio Projts wll suitd to th skills o our Caadia tas, pottially iludig or busiss. Maita ad hat projts o o-or busiss Maita ad hat projts that a tolrat projt risk, Tstig projts 3

4 Appdix: Rtur O Ivstt (ROI) or Outsourig Nolatur: ROI = Exptd Nubr o sta rquird i projt do Ihous Avrag burdd ost o Ihous sta Nubr o Outsour sta rquird Avrag burdd ost o Outsourd sta Aout o Irtal Maagt Ovrhad Avrag burdd ost o Maagt Ovrhad Cost ratio = / Eiiy = / Maagt Ovrhad ator = / Cost Savigs Cost Ivstd Cost Savigs = Exptd Cost Oshor Cost Oshor Cost o Ovrhad Cost Ivstd = Cost Oshor + Cost Ovrhad Exptd Cost Oshor = * Cost Oshor = * Cost o Ovrhad = * ROI = + Multiply by ROI = + i, th ROI = + 4

5 Bio Todd Littl is Sr. Dvlopt Maagr or Ladark Graphis Corp. Prviously h has had rols i Quality Maagt ad was Ladark s Dirtor o Sotwar & Thology. H has 25 yars o idustry xpri i various rols i sotwar dvlopt, quality, girig, osultig, projt aagt, ad gral aagt. Todd livs i Housto ad holds a M.S. i Ptrolu Egirig ro Th Uivrsity o Housto ad a B.S. i Chial Egirig ro Iowa Stat Uivrsity. H is a br o th Agil Allia, IEEE, Soity o Ptrolu Egirs ad is a rgistrd Prossioal Egir i th Stat o Txas. H ay b rahd at Currt rsarh itrsts ilud agil sotwar dvlopt. Todd is th Cor Chair or this yar s Agil Dvlopt Cor i Salt Lak City. LGC Bio Ladark is th ladig supplir o sotwar ad srvis or th upstra oil ad gas idustry. Th opay s sotwar solutios spa xploratio, produtio, drillig, busiss disio aalysis ad data aagt. Ladark ors a broad rag o osultig srvis that abl ustors to optiiz thir thial, busiss ad disio prosss. Visit th Ladark Wb sit at or or ioratio. 5

Assessing the cost of Outsourcing: Efficiency, Effectiveness and Risk

Assessing the cost of Outsourcing: Efficiency, Effectiveness and Risk Assssig th cost of Outsourcig: Efficicy, Effctivss ad Risk Todd Littl Ladark Graphics tlittl@lgc.co Abstract Offshor outsourcig is a popular approach for copais lookig to rduc softwar dvlopt costs. W hav

More information

PREFERRED LIFE INSURANCE NORTH AMERICA

PREFERRED LIFE INSURANCE NORTH AMERICA PREFERRED LIFE INSURANCE NORTH AMERICA Dat: Spt, 2011 Ditr Gaubatz Agda 1. Copt 2. History 3. Data 4. Futur 1 Copt No-prfrrd plas Normal mortality risk valuatio pross P r v a l ^ i r a s Issud at stadard

More information

GROUP MEDICAL INSURANCE PROPOSAL FORM GROUP MEDICAL INSURANCE PROPOSAL FORM

GROUP MEDICAL INSURANCE PROPOSAL FORM GROUP MEDICAL INSURANCE PROPOSAL FORM Call us: 920012331 www.acig.com.sa Allid Cooprativ Isurac Group (ACIG) شركة املجموعة املتحدة للتاأمني التعاوين ) أ سيج( GROUP MEDICAL INSURANCE GROUP MEDICAL INSURANCE Clit Dtails: - GROUP MEDICAL INSURANCE

More information

Logo Design/Development 1-on-1

Logo Design/Development 1-on-1 Logo Dsign/Dvlopmnt 1-on-1 If your company is looking to mak an imprssion and grow in th marktplac, you ll nd a logo. Fortunatly, a good graphic dsignr can crat on for you. Whil th pric tags for thos famous

More information

Problem Set 6 Solutions

Problem Set 6 Solutions 6.04/18.06J Mathmatics for Computr Scic March 15, 005 Srii Dvadas ad Eric Lhma Problm St 6 Solutios Du: Moday, March 8 at 9 PM Problm 1. Sammy th Shar is a fiacial srvic providr who offrs loas o th followig

More information

CLOUD COMPUTING BUSINESS MODELS

CLOUD COMPUTING BUSINESS MODELS da MODLS Atlir d l iova CLOUD COMPUTING MODLS Chair coomi d l iova - Mourad Zroukhi C d chrch Écoomi t Maagmt Uivrsité d Chair coomi d l iova - da MODLS AGNDA Cloud Computig : What is it? Cloud Dploymt

More information

Department of Natural Resources

Department of Natural Resources Dpartt o Natura Rsourcs DIVISION OF AGRICULTURE Northr Rio Oic 1648 S. Cusha St. #201 Fairbas, Aasa 99701-6206 Mai: 907.328.190 Far to Schoo Cha Ectroic Appicatio Istructios 1. Pas i out th ctroic survy

More information

Exponential Growth and Decay; Modeling Data

Exponential Growth and Decay; Modeling Data Exponntial Growth and Dcay; Modling Data In this sction, w will study som of th applications of xponntial and logarithmic functions. Logarithms wr invntd by John Napir. Originally, thy wr usd to liminat

More information

union scholars program APPLICATION DEADLINE: FEBRUARY 28 YOU CAN CHANGE THE WORLD... AND EARN MONEY FOR COLLEGE AT THE SAME TIME!

union scholars program APPLICATION DEADLINE: FEBRUARY 28 YOU CAN CHANGE THE WORLD... AND EARN MONEY FOR COLLEGE AT THE SAME TIME! union scholars YOU CAN CHANGE THE WORLD... program AND EARN MONEY FOR COLLEGE AT THE SAME TIME! AFSCME Unitd Ngro Collg Fund Harvard Univrsity Labor and Worklif Program APPLICATION DEADLINE: FEBRUARY 28

More information

ELASTIC MODULII AND THEIR RELATIONSHIP BY CONSIDERING ANY ARBITRARY ANGLE

ELASTIC MODULII AND THEIR RELATIONSHIP BY CONSIDERING ANY ARBITRARY ANGLE Itratioal Joural of Mchaical girig ad Tcholog (IJMT Volum 7, Issu, March-April 016, pp. 33-38, Articl ID: IJMT_07_0_004 Availabl oli at http://www.iam.com/ijmt/issus.asp?jtp=ijmt&vtp=7&itp= Joural Impact

More information

A Fuzzy Inventory System with Deteriorating Items under Supplier Credits Linked to Ordering Quantity

A Fuzzy Inventory System with Deteriorating Items under Supplier Credits Linked to Ordering Quantity JOURNAL OF INFORMAION SCIENCE AND ENGINEERING 6, 3-53 () A Fuzzy Ivtory Syst with Dtrioratig Its udr Supplir Crdits Likd to Ordrig Quatity LIANG-YUH OUYANG, JINN-SAIR ENG AND MEI-CHUAN CHENG 3 Dpartt of

More information

est with berkeley / uc berkeley With Berkeley exten be your best with berkeley c berkeley extension / be your best w

est with berkeley / uc berkeley With Berkeley exten be your best with berkeley c berkeley extension / be your best w c rk xt yor st w rkly c rk xt st with rkly c rk xtn Crtificat yor Program st in with rkly c rk xt yor st with rkl c rk xt yor st w rkly Bsinss c rk xt st with rkly c rk xtn Administration yor st with rkly

More information

TIME VALUE OF MONEY: APPLICATION AND RATIONALITY- AN APPROACH USING DIFFERENTIAL EQUATIONS AND DEFINITE INTEGRALS

TIME VALUE OF MONEY: APPLICATION AND RATIONALITY- AN APPROACH USING DIFFERENTIAL EQUATIONS AND DEFINITE INTEGRALS MPRA Muich Prsoal RPEc Archiv TIME VALUE OF MONEY: APPLICATION AND RATIONALITY- AN APPROACH USING DIFFERENTIAL EQUATIONS AND DEFINITE INTEGRALS Mahbub Parvz Daffodil Itratioal Uivrsy 6. Dcmbr 26 Oli at

More information

BASIC DEFINITIONS AND TERMINOLOGY OF SOILS

BASIC DEFINITIONS AND TERMINOLOGY OF SOILS 1 BASIC DEFINITIONS AND TERMINOLOGY OF SOILS Soil i a thr pha atrial hich coit of olid particl hich ak up th oil klto ad void hich ay b full of atr if th oil i aturatd, ay b full of air if th oil i dry,

More information

FACULTY SALARIES FALL 2004. NKU CUPA Data Compared To Published National Data

FACULTY SALARIES FALL 2004. NKU CUPA Data Compared To Published National Data FACULTY SALARIES FALL 2004 NKU CUPA Data Compard To Publishd National Data May 2005 Fall 2004 NKU Faculty Salaris Compard To Fall 2004 Publishd CUPA Data In th fall 2004 Northrn Kntucky Univrsity was among

More information

5.4 Exponential Functions: Differentiation and Integration TOOTLIFTST:

5.4 Exponential Functions: Differentiation and Integration TOOTLIFTST: .4 Eponntial Functions: Diffrntiation an Intgration TOOTLIFTST: Eponntial functions ar of th form f ( ) Ab. W will, in this sction, look at a spcific typ of ponntial function whr th bas, b, is.78.... This

More information

Category 7: Employee Commuting

Category 7: Employee Commuting 7 Catgory 7: Employ Commuting Catgory dscription This catgory includs missions from th transportation of mploys 4 btwn thir homs and thir worksits. Emissions from mploy commuting may aris from: Automobil

More information

Allocating Redundancy to Critical Information Technology Functions for Disaster Recovery

Allocating Redundancy to Critical Information Technology Functions for Disaster Recovery IT isastr Rcovry Allocatig Rdudacy to ritical Iforatio Tchology Fuctios for isastr Rcovry Bja B.. Shao W. P. ary School of Busiss Arizoa Stat Uivrsity B.Shao@asu.du ABSTRAT I th prst twork cooy, busisss

More information

Econ 371: Answer Key for Problem Set 1 (Chapter 12-13)

Econ 371: Answer Key for Problem Set 1 (Chapter 12-13) con 37: Answr Ky for Problm St (Chaptr 2-3) Instructor: Kanda Naknoi Sptmbr 4, 2005. (2 points) Is it possibl for a country to hav a currnt account dficit at th sam tim and has a surplus in its balanc

More information

Homework 6 - Solution

Homework 6 - Solution Howork 6 - oluo 364: 79 Rfr o xal 7 Th aou of fll ss by a bolg ach s orally srbu wh σ= ouc If = 9 bols ar raoly slc fro h ouu of h ach w fou ha h robably ha h sal a wll b wh 3 ouc of h ru a s 638 uos ha

More information

Rural and Remote Broadband Access: Issues and Solutions in Australia

Rural and Remote Broadband Access: Issues and Solutions in Australia Rural and Rmot Broadband Accss: Issus and Solutions in Australia Dr Tony Warrn Group Managr Rgulatory Stratgy Tlstra Corp Pag 1 Tlstra in confidnc Ovrviw Australia s gographical siz and population dnsity

More information

Contents. Presentation contents: Basic EDI dataflow in Russia. eaccounting for HR and Payroll. eaccounting in a Cloud

Contents. Presentation contents: Basic EDI dataflow in Russia. eaccounting for HR and Payroll. eaccounting in a Cloud Accounting Contnts Prsntation contnts: Basic EDI dataflow in Russia Accounting for HR and Payroll Accounting in a Cloud Basic EDI Procss Flow Typs of documnts for EDI Lgally rquird documnts: Act of accptanc

More information

may edition : The monthly trade newsletter from BrewDog

may edition : The monthly trade newsletter from BrewDog may dition : 2010 h t n o m h T tt sl w n d a ly tr wlcom Th whol tam at BrwDog would lik to wlcom you to our nw, trad nwslttr. This will b your monthly fix of vrything BrwDog including advanc notic on

More information

HSBC Bank International Expat Explorer Survey 08

HSBC Bank International Expat Explorer Survey 08 HSBC Bank Intrnational Expat Explorr Survy 08 Rport On: Expat Existnc Th Survy Th Expat Explorr survy qustiond 2,155 xpatriats across four continnts about th opportunitis and challngs thy fac. Th survy

More information

CARE QUALITY COMMISSION ESSENTIAL STANDARDS OF QUALITY AND SAFETY. Outcome 10 Regulation 11 Safety and Suitability of Premises

CARE QUALITY COMMISSION ESSENTIAL STANDARDS OF QUALITY AND SAFETY. Outcome 10 Regulation 11 Safety and Suitability of Premises CARE QUALITY COMMISSION ESSENTIAL STANDARDS OF QUALITY AND SAFETY Outcom 10 Rgulation 11 Safty and Suitability of Prmiss CQC Rf 10A 10A(1) Lad Dirctor / Lad Officr Rspons Impact Liklihood Lvl of Concrn

More information

Genetic Drift and Gene Flow Illustration

Genetic Drift and Gene Flow Illustration Gntic Drift and Gn Flow Illustration This is a mor dtaild dscription of Activity Ida 4, Chaptr 3, If Not Rac, How do W Explain Biological Diffrncs? in: How Ral is Rac? A Sourcbook on Rac, Cultur, and Biology.

More information

Personal Details. Surname: First Name/s: Wits Student Number/ Application Number: Cellphone Number: Email Address:

Personal Details. Surname: First Name/s: Wits Student Number/ Application Number: Cellphone Number: Email Address: Wits Hoours Pros i Pschoo 2016: i partta Prsoa tais Su: First Na/s: i Wits Stut Nubr/ Aicatio Nubr: Cpho Nubr: Eai Arss: To which hoours pro i Pschoo ar ou ai a aicatio? Hoours i isatioa Pschoo Hoours

More information

1. Online Event Registration 2. Event Marketing 3. Automated Event Progress Reports 4. Web based Point of Sale Terminal 5. Email Marketing System

1. Online Event Registration 2. Event Marketing 3. Automated Event Progress Reports 4. Web based Point of Sale Terminal 5. Email Marketing System 2 t v E S d Ivit 3 M o it o r ro la 1 r g 1 Oli Evt Rgitratio 2 Evt Marktig 3 Automatd Evt rogr Rport 4 Wb bad oit of Sal Trmial 5 Email Marktig Sytm ag 1 of 6 Copyright 2004-2011 myvillag oli Evt Maagmt

More information

at 10 knots to avoid the hurricane, what could be the maximum CPA? 59 miles - 54 nm STEP 1 Ship s Speed Radius (e-r) 10 k - 1.0 nm every 6 minutes

at 10 knots to avoid the hurricane, what could be the maximum CPA? 59 miles - 54 nm STEP 1 Ship s Speed Radius (e-r) 10 k - 1.0 nm every 6 minutes :1 Navigatio :1 Gal 1 1 1 Rf: P, Huica You a udway o cous T ad you axiu spd is 1 kots. Th y of a huica bas 1 T, ils fo you positio. Th huica is ovig towads T at 1 kots. If you auv at 1 kots to avoid th

More information

QUANTITATIVE METHODS CLASSES WEEK SEVEN

QUANTITATIVE METHODS CLASSES WEEK SEVEN QUANTITATIVE METHODS CLASSES WEEK SEVEN Th rgrssion modls studid in prvious classs assum that th rspons variabl is quantitativ. Oftn, howvr, w wish to study social procsss that lad to two diffrnt outcoms.

More information

Physical Chemistry II Chem 402 Spring Chapter 15 (2, 13, 16, 17, 19, 31, 38)

Physical Chemistry II Chem 402 Spring Chapter 15 (2, 13, 16, 17, 19, 31, 38) Physical hmistry II hm 40 Sprig 011 haptr 1 (, 1, 16, 17, 19, 1, 8) P1.) osidr two sparat smbls of particls charactrizd by th rgy-lvl diagram providd i th txt. Driv xprssios for th itral rgy for ach smbl.

More information

Natural Gas & Electricity Prices

Natural Gas & Electricity Prices Click to dit Mastr titl styl Click to dit Mastr txt styls Scond lvl Third lvl Natural Gas & Elctricity Prics Fourth lvl» Fifth lvl Glnn S. Pool Manufacturing Support Mgr. Enrgy April 4, 2013 Click Vrso

More information

Teacher s Hourly Wages: A Comparison Across Michigan Schools and Alternative Occupations

Teacher s Hourly Wages: A Comparison Across Michigan Schools and Alternative Occupations Policy Rport 24 Ju, 2005 achr Wag: A Compario Acro Michiga School Altrativ Occupatio Dbbi Harri, Sior Rarch Aociat Maria BuriaFitzgrald, Rarch Aociat h Educatio Policy Ctr at Michiga Stat Uivrity Ovrviw:

More information

CEO Björn Ivroth. Oslo, 29 April 2015. Q1 2015 Presentation

CEO Björn Ivroth. Oslo, 29 April 2015. Q1 2015 Presentation CEO Björ Ivroh Oslo, 29 April 2015 2015 Prsaio Par I `15 Rpor o Highlighs o Group o Sgms o Fiac Par II Mark oulook Summary Appdix 2015 prsaio 2 Highlighs Lyg Bidco AS has acquird 88 % of h shars o No icludig

More information

erkeley / uc berkeley extension Be YoUR Best / be est with berkeley / uc berkeley With BerkELEY exten xtension / be your best with berkele

erkeley / uc berkeley extension Be YoUR Best / be est with berkeley / uc berkeley With BerkELEY exten xtension / be your best with berkele c rkley xtnsion yor st w rkly c rkley xtnsion st with rkly c rkley xtn Crtificat yor Program st in with rkly c rk xtnsion yor st with rkl c rkley xtnsion yor st w rkly Financial c Planning rkley xtnsion

More information

est with berkeley / uc berkeley exte xtension / be your best with berkel

est with berkeley / uc berkeley exte xtension / be your best with berkel c rkley xtnsion yor st rkly c rkley xtnsion st with rkly c rkley xt Post-Baccalarat yor st Program with for rkly c rk xtnsion yor st with rkl c rkley xtnsion yor st rkly Consling c rkley and xtnsion st

More information

AP Calculus AB 2008 Scoring Guidelines

AP Calculus AB 2008 Scoring Guidelines AP Calculus AB 8 Scoring Guidlins Th Collg Board: Conncting Studnts to Collg Succss Th Collg Board is a not-for-profit mmbrship association whos mission is to connct studnts to collg succss and opportunity.

More information

STATEMENT OF INSOLVENCY PRACTICE 3.2

STATEMENT OF INSOLVENCY PRACTICE 3.2 STATEMENT OF INSOLVENCY PRACTICE 3.2 COMPANY VOLUNTARY ARRANGEMENTS INTRODUCTION 1 A Company Voluntary Arrangmnt (CVA) is a statutory contract twn a company and its crditors undr which an insolvncy practitionr

More information

Solutions to Homework 8 chem 344 Sp 2014

Solutions to Homework 8 chem 344 Sp 2014 1. Solutions to Homwork 8 chm 44 Sp 14 .. 4. All diffrnt orbitals mans thy could all b paralll spins 5. Sinc lctrons ar in diffrnt orbitals any combination is possibl paird or unpaird spins 6. Equivalnt

More information

Medicaid Eligibility in Michigan: 40 Ways

Medicaid Eligibility in Michigan: 40 Ways C E N T E R F O R H E A LT H C A R E R E S E A R C H & T R A N S F O R M AT I O N Policy Papr July 2012 Mdicaid Eligibility i Michiga: 40 Ways 503 id 1 U Pla F irst! hil d k Wor aivr Childr s W N wb to

More information

B-285141. April 21, 2000. The Honorable Charles B. Rangel Ranking Minority Member Committee on Ways and Means House of Representatives

B-285141. April 21, 2000. The Honorable Charles B. Rangel Ranking Minority Member Committee on Ways and Means House of Representatives Unit Stats Gnral Accounting Offic Washington, DC 20548 Halth, Eucation, an Human Srvics Division B-285141 April 21, 2000 Th Honorabl Charls B. Rangl Ranking Minority Mmbr Committ on Ways an Mans Hous of

More information

Example 2 Find the square root of 0. The only square root of 0 is 0 (since 0 is not positive or negative, so those choices don t exist here).

Example 2 Find the square root of 0. The only square root of 0 is 0 (since 0 is not positive or negative, so those choices don t exist here). BEGINNING ALGEBRA Roots ad Radicals (revised summer, 00 Olso) Packet to Supplemet the Curret Textbook - Part Review of Square Roots & Irratioals (This portio ca be ay time before Part ad should mostly

More information

Question 3: How do you find the relative extrema of a function?

Question 3: How do you find the relative extrema of a function? ustion 3: How do you find th rlativ trma of a function? Th stratgy for tracking th sign of th drivativ is usful for mor than dtrmining whr a function is incrasing or dcrasing. It is also usful for locating

More information

Ref No: Version 5.1 Issued: September, 2013

Ref No: Version 5.1 Issued: September, 2013 Sv Goodridg 21 Casl Sr Edardson SA 5039 obil: 0405 111 646 sv@goodridg.n.au.ranksuccss.co Adlaid SEO ~ Sv Goodridg Sarch Engin Succss R No: Vrsion 5.1 Issud: Spbr, 2013 Sv Goodridg ~ Adlaid SEO SEO-Packs.doc

More information

TELL YOUR STORY WITH MYNEWSDESK The world's leading all-in-one brand newsroom and multimedia PR platform

TELL YOUR STORY WITH MYNEWSDESK The world's leading all-in-one brand newsroom and multimedia PR platform TELL YOUR STORY WITH MYNEWSDESK Th world's lading all-in-on brand nwsroom and multimdia PR platform SO WHAT'S THE STORY WITH MYNEWSDESK? Th world s lading all-in-on nwsroom and digital PR platform. Usd

More information

intro Imagine that someone asked you to describe church using only the bible. What would you say to them?

intro Imagine that someone asked you to describe church using only the bible. What would you say to them? intro Imagin that somon askd you to dscrib church using only th bibl. What would you say to thm? So many of th things w'v mad church to b arn't ssntial in scriptur. W'r on a journy of r-imagining what

More information

by John Donald, Lecturer, School of Accounting, Economics and Finance, Deakin University, Australia

by John Donald, Lecturer, School of Accounting, Economics and Finance, Deakin University, Australia Studnt Nots Cost Volum Profit Analysis by John Donald, Lcturr, School of Accounting, Economics and Financ, Dakin Univrsity, Australia As mntiond in th last st of Studnt Nots, th ability to catgoris costs

More information

Criminal Offenses - On campus

Criminal Offenses - On campus 14 Campus Saf and Scuri Survy Instituti: Main Campus (164933001) Scrning Qustis Plas answr ths qustis carfully. Th answrs you provid will dtrmin which scrns you will b askd to complt for this data collcti.

More information

Use a high-level conceptual data model (ER Model). Identify objects of interest (entities) and relationships between these objects

Use a high-level conceptual data model (ER Model). Identify objects of interest (entities) and relationships between these objects Chaptr 3: Entity Rlationship Modl Databas Dsign Procss Us a high-lvl concptual data modl (ER Modl). Idntify objcts of intrst (ntitis) and rlationships btwn ths objcts Idntify constraints (conditions) End

More information

Lecture 20: Emitter Follower and Differential Amplifiers

Lecture 20: Emitter Follower and Differential Amplifiers Whits, EE 3 Lctur 0 Pag of 8 Lctur 0: Emittr Followr and Diffrntial Amplifirs Th nxt two amplifir circuits w will discuss ar ry important to lctrical nginring in gnral, and to th NorCal 40A spcifically.

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

Sci.Int.(Lahore),26(1),131-138,2014 ISSN 1013-5316; CODEN: SINTE 8 131

Sci.Int.(Lahore),26(1),131-138,2014 ISSN 1013-5316; CODEN: SINTE 8 131 Sci.Int.(Lahor),26(1),131-138,214 ISSN 113-5316; CODEN: SINTE 8 131 REQUIREMENT CHANGE MANAGEMENT IN AGILE OFFSHORE DEVELOPMENT (RCMAOD) 1 Suhail Kazi, 2 Muhammad Salman Bashir, 3 Muhammad Munwar Iqbal,

More information

Non-Emergency Health Transport

Non-Emergency Health Transport Ovr 14 i n v r y 1 0 0 p o p l in N SW l iv NCOSS Background Papr Non-Emrgncy Halth Transport b l o w t h p o v r ty li n... Council of Social Srvic of NSW Fbruary 2014 What is transport disadvantag? Transport

More information

SCHOOLS' PPP : PROJECT MANAGEMENT

SCHOOLS' PPP : PROJECT MANAGEMENT Rport Schools' PPP Sub Committ 22 April 2004 2 SCHOOLS' PPP : PROJECT MANAGEMENT 1 Rason for Rport To provid Mmbrs with information on th structur of th Schools' PPP Projct Tam 2 Background 21 Dumfris

More information

81-1-ISD Economic Considerations of Heat Transfer on Sheet Metal Duct

81-1-ISD Economic Considerations of Heat Transfer on Sheet Metal Duct Air Handling Systms Enginring & chnical Bulltin 81-1-ISD Economic Considrations of Hat ransfr on Sht Mtal Duct Othr bulltins hav dmonstratd th nd to add insulation to cooling/hating ducts in ordr to achiv

More information

Foreign Exchange Markets and Exchange Rates

Foreign Exchange Markets and Exchange Rates Microconomics Topic 1: Explain why xchang rats indicat th pric of intrnational currncis and how xchang rats ar dtrmind by supply and dmand for currncis in intrnational markts. Rfrnc: Grgory Mankiw s Principls

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

Fourier Analysis. f () t = + cos[5 t] + cos[10 t] + sin[5 t] + sin[10 t] x10 Pa

Fourier Analysis. f () t = + cos[5 t] + cos[10 t] + sin[5 t] + sin[10 t] x10 Pa Fourier Aalysis I our Mathematics classes, we have bee taught that complicated uctios ca ote be represeted as a log series o terms whose sum closely approximates the actual uctio. aylor series is oe very

More information

Searching Algorithm Efficiencies

Searching Algorithm Efficiencies Efficiecy of Liear Search Searchig Algorithm Efficiecies Havig implemeted the liear search algorithm, how would you measure its efficiecy? A useful measure (or metric) should be geeral, applicable to ay

More information

Remember you can apply online. It s quick and easy. Go to www.gov.uk/advancedlearningloans. Title. Forename(s) Surname. Sex. Male Date of birth D

Remember you can apply online. It s quick and easy. Go to www.gov.uk/advancedlearningloans. Title. Forename(s) Surname. Sex. Male Date of birth D 24+ Advancd Larning Loan Application form Rmmbr you can apply onlin. It s quick and asy. Go to www.gov.uk/advancdlarningloans About this form Complt this form if: you r studying an ligibl cours at an approvd

More information

Bipolar Junction Transistors (BJT) A Bipolar Transistor essentially consists of a pair of PN Junction Diodes that are joined back-to-back.

Bipolar Junction Transistors (BJT) A Bipolar Transistor essentially consists of a pair of PN Junction Diodes that are joined back-to-back. Biolar Jutio Trasistors (BJT) A Biolar Trasistor sstially osists of a air of PN Jutio Diods that ar joid ak-to-ak. 1 BJT oratio Built-i voltag Built-i voltag Forward olarity is alid to th lft diod. Positiv

More information

Maintain Your F5 Solution with Fast, Reliable Support

Maintain Your F5 Solution with Fast, Reliable Support F5 SERVICES TECHNICAL SUPPORT SERVICES DATASHEET Maintain Your F5 Solution with Fast, Rliabl Support In a world whr chang is th only constant, you rly on your F5 tchnology to dlivr no mattr what turns

More information

Entity-Relationship Model

Entity-Relationship Model Entity-Rlationship Modl Kuang-hua Chn Dpartmnt of Library and Information Scinc National Taiwan Univrsity A Company Databas Kps track of a company s mploys, dpartmnts and projcts Aftr th rquirmnts collction

More information

Free ACA SOLUTION (IRS 1094&1095 Reporting)

Free ACA SOLUTION (IRS 1094&1095 Reporting) Fr ACA SOLUTION (IRS 1094&1095 Rporting) Th Insuranc Exchang (301) 279-1062 ACA Srvics Transmit IRS Form 1094 -C for mployrs Print & mail IRS Form 1095-C to mploys HR Assist 360 will gnrat th 1095 s for

More information

Non-Homogeneous Systems, Euler s Method, and Exponential Matrix

Non-Homogeneous Systems, Euler s Method, and Exponential Matrix Non-Homognous Systms, Eulr s Mthod, and Exponntial Matrix W carry on nonhomognous first-ordr linar systm of diffrntial quations. W will show how Eulr s mthod gnralizs to systms, giving us a numrical approach

More information

A Project Management framework for Software Implementation Planning and Management

A Project Management framework for Software Implementation Planning and Management PPM02 A Projct Managmnt framwork for Softwar Implmntation Planning and Managmnt Kith Lancastr Lancastr Stratgis Kith.Lancastr@LancastrStratgis.com Th goal of introducing nw tchnologis into your company

More information

Differential Equations (MTH401) Lecture That a non-homogeneous linear differential equation of order n is an equation of the form n

Differential Equations (MTH401) Lecture That a non-homogeneous linear differential equation of order n is an equation of the form n Diffrntial Equations (MTH40) Ltur 7 Mthod of Undtrmind Coffiints-Surosition Aroah Rall. That a non-homognous linar diffrntial quation of ordr n is an quation of th form n n d d d an + a a a0 g( ) n n +

More information

Magic Message Maker Amaze your customers with this Gift of Caring communication piece

Magic Message Maker Amaze your customers with this Gift of Caring communication piece Magic Mssag Makr maz your customrs with this Gift of aring communication pic Girls larn th powr and impact of crativ markting with this attntion grabbing communication pic that will hlp thm o a World of

More information

PES 3950/PHYS 6950: Homework Assignment 5

PES 3950/PHYS 6950: Homework Assignment 5 PES 3950/PHYS 6950: Homwork ssignmnt 5 Handd out: Wdnsday pril 8 Du in: Wdnsday pril, at t start of class at 3:05 pm sarp Sow all working and rasoning to rciv full points. Qustion [5 points] a)[0 points]

More information

ITIL & Service Predictability/Modeling. 2006 Plexent

ITIL & Service Predictability/Modeling. 2006 Plexent ITIL & Srvic Prdictability/Modling 1 2 Plxnt Th Company 2001 Foundd Plxnt basd on an Expandd ITIL Architctur, CMMI, ISO, and BS15000 - itdna 2003 Launchd itdna Srvic Offring 2003 John Groom, past Dirctor

More information

Adverse Selection and Moral Hazard in a Model With 2 States of the World

Adverse Selection and Moral Hazard in a Model With 2 States of the World Advrs Slction and Moral Hazard in a Modl With 2 Stats of th World A modl of a risky situation with two discrt stats of th world has th advantag that it can b natly rprsntd using indiffrnc curv diagrams,

More information

A Resource for Free-standing Mathematics Qualifications Working with %

A Resource for Free-standing Mathematics Qualifications Working with % Ca you aswer these questios? A savigs accout gives % iterest per aum.. If 000 is ivested i this accout, how much will be i the accout at the ed of years? A ew car costs 16 000 ad its value falls by 1%

More information

Long run: Law of one price Purchasing Power Parity. Short run: Market for foreign exchange Factors affecting the market for foreign exchange

Long run: Law of one price Purchasing Power Parity. Short run: Market for foreign exchange Factors affecting the market for foreign exchange Lctur 6: Th Forign xchang Markt xchang Rats in th long run CON 34 Mony and Banking Profssor Yamin Ahmad xchang Rats in th Short Run Intrst Parity Big Concpts Long run: Law of on pric Purchasing Powr Parity

More information

Cost of Capital. Big picture. Cost of Capital

Cost of Capital. Big picture. Cost of Capital Cost of Capital Th F i V firm = f ( I, F, D) Assts Big pictur Liabilitis ad Nt Worth Dbt k i Prfrrd stock k p Equity Rtaid arigs k Commo stock k Wightd avrag k o Cost of Capital k o is th rquird rat of

More information

The Casino Experience

The Casino Experience Th Casino Expin with Mahi s authnti Indian uisin Lt us nttain you Th Casino Expin 10 Th Staight Flush Expin 20 p ps If you looking fo a gat night out, a Casino Expin patnd This is a gat intoduti to gaing

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

14.3 Area Between Curves

14.3 Area Between Curves 14. Ara Btwn Curvs Qustion 1: How is th ara btwn two functions calculatd? Qustion : What ar consumrs and producrs surplus? Earlir in this chaptr, w usd dfinit intgrals to find th ara undr a function and

More information

2015 MINISTERS SALARY SURVEY MAY 1, 2015

2015 MINISTERS SALARY SURVEY MAY 1, 2015 MINISTERS SALARY SURVEY MAY, TABLE OF CONTENTS Itroduct Ovrall itr Summary mrativ itr Aociat itr 9 Campu itr Childr itr Church Platig itr Edu itr Family itr 9 Ivolvmt itr Lad itr Outrach itr Patoral Car

More information

Cost Benefit Analysis of the etir system Summary, limitations and recommendations

Cost Benefit Analysis of the etir system Summary, limitations and recommendations UNITED NATIONS Cost Bnfit Analysis of th TIR systm Summary, limitations and rcommndations Agnda itm 5 André Scia Informal Ad hoc Exprt Group on Concptual and Tchnical Aspcts of Computrization of th TIR

More information

http://www.wwnorton.com/chemistry/tutorials/ch14.htm Repulsive Force

http://www.wwnorton.com/chemistry/tutorials/ch14.htm Repulsive Force ctivation nrgis http://www.wwnorton.com/chmistry/tutorials/ch14.htm (back to collision thory...) Potntial and Kintic nrgy during a collision + + ngativly chargd lctron cloud Rpulsiv Forc ngativly chargd

More information

In the first years of the millennium, Americans flocked to Paris to enjoy French

In the first years of the millennium, Americans flocked to Paris to enjoy French 14 chaptr Exchang Rats and th Forign Exchang Markt: An Asst Approach 320 In th first yars of th millnnium, Amricans flockd to Paris to njoy Frnch cuisin whil shopping for dsignr clothing and othr spcialtis.

More information

PIN #1 ID FIDUCIAL LOCATED IN THIS AREA TOP VIEW. ccc C SIDE VIEW

PIN #1 ID FIDUCIAL LOCATED IN THIS AREA TOP VIEW. ccc C SIDE VIEW Packag iagrams ruary 20 all W Packag Option : i0 P imnsions in illimtrs ata ht r PI # I IUI OT I TI R (X) 2 OTTO VIW. X Ø s TOP VIW Ø.0 Ø.0 I VIW OT:. IIO TOR PR Y. 99. 2. IIO R I IITR. IIO I UR T T XIU

More information

Principles of Humidity Dalton s law

Principles of Humidity Dalton s law Principls of Humidity Dalton s law Air is a mixtur of diffrnt gass. Th main gas componnts ar: Gas componnt volum [%] wight [%] Nitrogn N 2 78,03 75,47 Oxygn O 2 20,99 23,20 Argon Ar 0,93 1,28 Carbon dioxid

More information

REPORT' Meeting Date: April 19,201 2 Audit Committee

REPORT' Meeting Date: April 19,201 2 Audit Committee REPORT' Mting Dat: April 19,201 2 Audit Committ For Information DATE: March 21,2012 REPORT TITLE: FROM: Paul Wallis, CMA, CIA, CISA, Dirctor, Intrnal Audit OBJECTIVE To inform Audit Committ of th rsults

More information

Development of Financial Management Reporting in MPLS

Development of Financial Management Reporting in MPLS 1 Dvlopmnt of Financial Managmnt Rporting in MPLS 1. Aim Our currnt financial rports ar structurd to dlivr an ovrall financial pictur of th dpartmnt in it s ntirty, and thr is no attmpt to provid ithr

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

Coalbed Methane NETHERLAND, SEWELL & ASSOCIATES, INC.

Coalbed Methane NETHERLAND, SEWELL & ASSOCIATES, INC. Coalbed Methae NETHERLAND, SEWELL & ASSOCIATES, INC. Oe of the most respected ames i idepedet reserves reportig Preferred by compaies who eed reliable results Quality at a competitive price Expertise i

More information

Lecture 3: Diffusion: Fick s first law

Lecture 3: Diffusion: Fick s first law Lctur 3: Diffusion: Fick s first law Today s topics What is diffusion? What drivs diffusion to occur? Undrstand why diffusion can surprisingly occur against th concntration gradint? Larn how to dduc th

More information

Lecture notes: 160B revised 9/28/06 Lecture 1: Exchange Rates and the Foreign Exchange Market FT chapter 13

Lecture notes: 160B revised 9/28/06 Lecture 1: Exchange Rates and the Foreign Exchange Market FT chapter 13 Lctur nots: 160B rvisd 9/28/06 Lctur 1: xchang Rats and th Forign xchang Markt FT chaptr 13 Topics: xchang Rats Forign xchang markt Asst approach to xchang rats Intrst Rat Parity Conditions 1) Dfinitions

More information

Practice Problems for Test 3

Practice Problems for Test 3 Practice Problems for Test 3 Note: these problems oly cover CIs ad hypothesis testig You are also resposible for kowig the samplig distributio of the sample meas, ad the Cetral Limit Theorem Review all

More information

Modern Portfolio Theory (MPT) Statistics

Modern Portfolio Theory (MPT) Statistics Modrn Portfolo Thory (MPT) Statstcs Mornngstar Mthodology Papr Novmr 30, 007 007 Mornngstar, Inc. All rghts rsrvd. Th nformaton n ths documnt s th proprty of Mornngstar, Inc. Rproducton or transcrpton

More information

IBM Healthcare Home Care Monitoring

IBM Healthcare Home Care Monitoring IBM Halthcar Hom Car Monitoring Sptmbr 30th, 2015 by Sal P. Causi, P. Eng. IBM Halthcar Businss Dvlopmnt Excutiv scausi@ca.ibm.com IBM Canada Cloud Computing Tigr Tam Homcar by dfinition 1. With a gnsis

More information

CPS 220 Theory of Computation REGULAR LANGUAGES. Regular expressions

CPS 220 Theory of Computation REGULAR LANGUAGES. Regular expressions CPS 22 Thory of Computation REGULAR LANGUAGES Rgular xprssions Lik mathmatical xprssion (5+3) * 4. Rgular xprssion ar built using rgular oprations. (By th way, rgular xprssions show up in various languags:

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

Enumerating labeled trees

Enumerating labeled trees Eumratig labld trs Dfiitio: A labld tr is a tr th vrtics of which ar assigd uiqu umbrs from to. W ca cout such trs for small valus of by had so as to cojctur a gral formula. Eumratig labld trs Dfiitio:

More information

Noble gas configuration. Atoms of other elements seek to attain a noble gas electron configuration. Electron configuration of ions

Noble gas configuration. Atoms of other elements seek to attain a noble gas electron configuration. Electron configuration of ions Valnc lctron configuration dtrmins th charactristics of lmnts in a group Nobl gas configuration Th nobl gass (last column in th priodic tabl) ar charactrizd by compltly filld s and p orbitals this is a

More information

WORKERS' COMPENSATION ANALYST, 1774 SENIOR WORKERS' COMPENSATION ANALYST, 1769

WORKERS' COMPENSATION ANALYST, 1774 SENIOR WORKERS' COMPENSATION ANALYST, 1769 08-16-85 WORKERS' COMPENSATION ANALYST, 1774 SENIOR WORKERS' COMPENSATION ANALYST, 1769 Summary of Dutis : Dtrmins City accptanc of workrs' compnsation cass for injurd mploys; authorizs appropriat tratmnt

More information

Soving Recurrence Relations

Soving Recurrence Relations Sovig Recurrece Relatios Part 1. Homogeeous liear 2d degree relatios with costat coefficiets. Cosider the recurrece relatio ( ) T () + at ( 1) + bt ( 2) = 0 This is called a homogeeous liear 2d degree

More information

Who uses our services? We have a growing customer base. with institutions all around the globe.

Who uses our services? We have a growing customer base. with institutions all around the globe. not taking xpr Srvic Guid 2013 / 2014 NTE i an affordabl option for audio to txt convrion. Our rvic includ not or dirct trancription rvic from prviouly rcordd audio fil. Our rvic appal pcially to tudnt

More information