zilongwang/ReadingBank huggingface dataset:
will make contact with the Service Manager or Home Manager requesting a visit to the scheme. The Manager or nominated staff member will agree a suitable time and date for the visit and inform the Referral Agent of the name of the staff member who will conduct the visit. At the initial visit, the applicant will be shown the available accommodation which will be presented as clean, comfortable and inviting. In shared accommodation the applicant will be introduced to staff on duty and any Residents who are in the building at the time. Appropriate information will be shared as follows:- The Resident’s Guide The role of the key worker Charges relating to the accommodation Personal responsibilities The following forms should be completed by the Referral Agent with the applicant and forwarded to the Service Manager/Home Manager: The Referral Form which includes the Strengths Assessment A copy of the Risk Screening Tool and/or the Comprehensive Risk Assessment; A Complex Needs Housing Application form (available from NI Housing Executive Offices). The applicant must be on the Complex needs list before a referral can be processed. A Physical Health Questionnaire On receipt of the Physical Health Questionnaire the Manager may require further information regarding the disclosure of a physical health problem. The Manager will provide the applicant with a letter and form to be given to their GP or specialist nurse for completion and return to the Manager. Applicants will be made aware of the breakdown of the charges relating to their accommodation and will complete a form indicating that they understand and accept the scheme charges. Leaving Procedure The procedure for a resident leaving supported housing can be: Resident's own choice - if a resident decides they no longer wish to live in the scheme they must give four weeks’ notice, in writing, to the Home Manager. Should the resident be seeking alternative accommodation, a member of the Community Mental Health Team, involved in the residents care will be responsible for co-ordinating their resettlement.
FIMI – Published References for Flood Inundation Mapping Projects October 12, 2010 General Techniques Davidian, Jacob, 1984, Computation of water-surface profiles in open channels: U.S. Geological Survey Techniques of Water-Resources Investigations, book 3, chapter A15: Topics: General step-backwater techniques USACE HEC-RAS manuals The following manuals are available from USACE and include topics: Theoretical basis for model Steady flow applications Unsteady flow applications Data requirements Modeling structures Use of HEC-GeoRAS U.S. Army Corps of Engineers, Hydrologic Engineering Center, 2002, HEC-GeoRAS manual , accessed on October 6, 2010 at URL U.S. Army Corps of Engineers, Hydrologic Engineering Center, 2002, HEC-RAS 4.1 applications guide U.S. Army Corps of Engineers, Hydrologic Engineering Center, 2002, HEC-RAS hydraulic reference manual, version 3.1 U.S. Army Corps of Engineers, Hydrologic Engineering Center, 2002, HEC-RAS 4.1 user's manual USGS Inundation Map Libraries/Studies Bales, J.D., Wagner, C.R., Tighe, K.C., and Terziotti, Silvia, 2007, LiDAR-derived flood-inundation maps for real-time flood-mapping applications, Tar River basin, North Carolina: U.S. Geological Survey Scientific Investigations Report 2007–5032. Topics: LiDAR data sources, accuracy, conversion to DEMs; HEC-RAS modeling at non-tidal and tidal sites; inundation map development; inundation map uncertainty
2. Make/Model of Equipment $0.00 $0.00 $0.00 $0.00 3. Make/Model of Equipment $0.00 $0.00 $0.00 $0.00 4. Make/Model of Equipment $0.00 $0.00 $0.00 $0.00 5. Costs of prototyping/ evaluation/testing of new products & processes $0.00 $0.00 $0.00 $0.00 6 Costs of prototyping/ evaluation/testing of new products & processes $0.00 $0.00 $0.00 $0.00 7. External training $0.00 $0.00 $0.00 $0.00 8. Labour and/or contractors $0.00 $0.00 $0.00 $0.00 9. Fit out Costs $0.00 $0.00 $0.00 $0.00 10. Shipping/customs $0.00 $0.00 $0.00 $0.00 11. Other $0.00 $0.00 $0.00 $0.00 12. Other Sub Total excl GST $0.00 $0.00 $0.00 $0.00 Contingency (if required, up to 5% of eligible project expenditure) $0 Total Project Expenditure excl GST $0.00 1.4 Target Outcomes Provide details of how the company will measure the success of the project, when this will occur and who is responsible for delivery. (Add or delete rows as required.) Target Outcome – What is to be achieved? Measure - How will the company measure this? Completion Date By when will this be achieved? Accountability - Who is responsible for delivery? Increase in full time equivalent employees by x Training and up-skilling of x employees Improve productivity by x
Estimated Sales Revenue as a result of the Project Year 1 Year 2 Year 3 Year 4 Estimated Export Revenue as a result of the Project Year 1 Year 2 Year 3 Year 4 1.5 Project Funding Provide details of confirmed and anticipated sources of funding for the Project. Source Confirmed ($) Anticipated ($) Total ($) Applicant $0 $0 $0.00 Other – e.g. bank loan $0 $0 $0.00 Other – please specify $0 $0 $0.00 Subtotal ($) $0.00 $0.00 $0.00 Amount requested from Manufacturing Program ex GST ($) $0 Total ($) $0 $0 $0 2. Project Management Plan Project Schedule (this will determine delivery of milestones in the Grant Agreement) NB. A minimum of ten per cent of eligible Project Expenditure must be incurred on the major component/s of the Project within 90 days of executing the grant agreement. The Department considers expenditure to be incurred once the company has entered into a legal commitment to pay it. Stage * Delete if no dependency on previous stage. Add or delete project stages as required. Description Brief description of a major activity stage of the project, e.g. scoping /permit application/ ordering/ installation/ commissioning, etc. Scheduled Start Date Scheduled End Date Project Stage 1 (commencement of project)
3. Risk Management Plan Include information about potential risks involved with the project. Note: Common risk categories are: project requirements; benefits; schedule; budget; deliverables; scope; issues; suppliers; communication; and resourcing. You may wish to include some or all of these, dependent on your project. Risk ID Number - Insert risk number (e.g. 1,2, 3 etc) Risk Category - Category of the risk to the project (see note above) Risk Description - Brief description of the risk to the project Impact – The effect it will have on delivery of project (e.g. high, medium, low) Likelihood - How likely is it to occur (e.g. high, medium, low) Mitigation Strategy - What actions has the company undertaken to limit this risk? 1. 2. All applications must be accompanied by the following supporting documentation: Financial Risk Assessment Checklist (and all documentation specified within) Evidence of co-contribution including: Evidence, in writing, of support from the Board (or business owner or chief executive officer) that the business can undertake the project and meet its costs, and An approved loan facility, or Cash at bank (current bank statement), or Management accounts demonstrating satisfactory cash flow or liquid assets Audited Financial Reports for the last three years, including Profit & Loss, Balance Sheet and Cash Flow Statement (if it forms part of the financial statements).
Tentative Class Schedule All reading corresponds to Ross, Westerfield, and Jordan. Please read ahead of the class except where indicated. * July 14 (Mon) Introduction Chapter 1* July 15 (Tue.) Basic Valuation I – Time Value of Money (TVM) Chapter 5 July 16 (Wed) Basic Valuation II – Perpetuities and Annuities Chapter 6 Quiz 1 July 17 (Thur) Basic Valuation III – Applications HW #1 is due July 21 Exam 1 July 22 Valuing Bonds I Chapter 7 July 23 Valuing Bonds II July 24 Valuing Stocks I Chapter 8 HW #2 is due July 28 Valuing Stocks II Quiz 2 July 29 Risk and Return Chapter 12 July 30 Portfolio Theory and CAPM Chapter 13 June 31 Capital Budgeting I Chapters 2, 9, 10, 11 HW #3 is due Aug 4 Exam 2 Aug 5 Capital Budgeting II Aug 6 Capital Budgeting III Aug 7 Capital Budgeting IV HW #4 is due Aug 11 Cost of Capital Chapter 14 Quiz 3 Aug 12 Raising Capital Chapter 15 Aug 13 Capital Structure Theory Chapter 16 Aug 14 Review Day HW #5 is due Aug 16 (SATURDAY!) Final Note: I maintain the right to alter the schedule or add / subtract topics.
5 Jan 27 Simulation and Scenario Analysis Chap 3 6 Jan 29 Simulation and Scenario Analysis Chap 3 HW#1 – Chap 2 7 Feb 3 Simulation and Scenario Analysis Chap 3 8 Feb 5 Cost of Capital Chap 4 HW#2 – Chap 3 9 Feb 10 Cost of Capital Chap 4 10 Feb 12 Cost of Capital Chap 4 HW#3 – Chap 3 11 Feb 17 Estimating Required Rates of Return Chap 5 12 Feb 19 Estimating Required Rates of Return Chap 5 HW#4 – Chap 4 13 Feb 24 Forecasting Financial Performance Chap 6 14 Feb 26 Forecasting Financial Performance Chap 6 15 Mar 3 REVIEW Chap 1- 6 HW#5 – Chap 5&6 16 Mar 5 Midterm (time and location tbd) Mar 10 Spring Break Mar 12 Spring Break 17 Mar 17 Valuation with Comparables Chap 8 18 Mar 19 Valuation with Comparables Chap 8 19 Mar 24 Enterprise Valuation Chap 9 20 Mar 26 Enterprise Valuation Chap 9 HW#6 – Chap 8 21 Mar 31 Private Equity Chap 10 22 Apr 2 Private Equity Chap 10 HW#7 – Chap 9 23 Apr 7 Decision Trees Chap 11 24 Apr 9 Valuation Using Market Information Chap 11 HW#8 – Chap 10 25 Apr 14 Valuation Using Market Information Chap 11 26 Apr 16 Real Options Chap 12 27 Apr 21 Real Options Chap 12 HW#9 – Chap 11 28 Apr 23 Real Options Chap 12 29 Apr 28 Real Options Chap 12 30 Apr 30 REVIEW Chap 8-12 HW#10 – Chap 12 Cumulative Final Exam during Exam Week
FIN 376 International Finance UTC 1.132 MW 11-1230 UNIQUE # 03615 UTC 1.132 MW 1230-2 UNIQUE # 03620 Professor Prof. Steve Magee Office CBA 6.264 Office Hours MW 2-230 in my office or right after class in the classroom Phone 471-5777 E-Mail Course Web Page All Class Handouts on Blackboard Under Course Documents Readings Get the Readings Packet at the Copy Center, 3rd Floor GSB Text at the Coop: Thomas J O’Brien, Introduction to Foreign Exchange Rates. Business Expert Press, 2013. Teaching Assistant TBD TA Office Hours Via email and TBD Course Objectives International Finance teaches you the foundations of global finance. These include a number of issues in multinational corporate finance, exchange rates, global money markets, the economic comparative advantage of countries, companies and managers; international market arbitrage relationships; the managerial implications of interest rate parity and global markets. Required Materials The primary required reading is the Magee Course Packet at the Copy Center in the GSB and the O’Brien textbook above. All Lecture Notes and other class handouts will be under “Course Documents” on Blackboard. Course Requirements and Grading Make sure that you get all of the materials handed out in class, such as the lecture notes and any supplementary readings. If you must miss a class, please get any class handouts and lecture notes from Blackboard or from a dependable classmate. Class participation is not explicitly taken into account, although it may matter if you are on the borderline between grades at the end of the semester. Grades. Your grade in this course will be determined using the following weights:
Manage collection of updated data for each of the 58 Superior Courts through its designated GASB 43/45 OPEB Court Liaison. As appropriate, the selected firm will review and update plan documents and design, based upon changes in law, rules and regulations. The selected firm will also make recommendations for formalizing informal plans. Analyze relevant data to assess any inconsistencies and make recommendations for enhancing data quality. Proposed Deliverables and Due Dates DELIVERABLES DUE DATES Project kick-off meeting and development of a draft Project Management Plan. June 27, 2012 Final Project Management Plan July 9, 1012 Weekly Project Status Reports Weekly Valuation and review of draft Reports for each court. September 15, 2012 Submission of final Reports accompanied by data base and support documentation files October 1, 2012 Process improvement and recommendations for next GASB 43/45 compliance cycle October 15, 2012 6.0 Pre-proposal Conference The AOC will hold a mandatory pre-proposal conference on May 8, 2012, 10:00 a.m. The location for the pre-proposal conference will be sent out via the Solicitations Mailbox at . It is important that interested proposers thoroughly review the RFP and all attachments prior to the pre-proposal conference to raise any issues or questions that may be of concern. Additional and clarifying information may be presented at the pre-proposal
(Note: The incumbent can expect to be allocated duties not specifically mentioned in this document, but within the capacity, qualifications and experience normally expected from persons occupying positions at this level.) Hours standard hours are 8.40am to 5pm, Monday to Friday before or after hours work may be required for special projects or emergency issues. Key Performance Indicators KPIs ill be developed with the successful appluicant but will be centered around turnaround requirements for all facilities requests logged completion of monthly facilities reports within the deadline management of jobs within budget. negotiated savings on new leases or expired leases relocations managed within timeframe and within budget Health, Safety and Environment (HSE) Responsibilities: All staff are required to take reasonable care for their own health and safety and that of other personnel who may be affected by their conduct. Diversity: MEGT is committed to welcoming and maintaining a diverse workforce, which will help us attract and retain a team of talented people to better serve our clients and improve business results.
IMPORTANT INFORMATION If you wish to withdraw from the course you must inform the course administrator in writing (email is preferred). Withdrawals should be sent to ptlanguages@leedsbeckett.ac.uk otherwise you will continue to be enrolled as a student and remain on the mailing list for the duration of the course. The university reserves the right to cancel any language provision, courses or routes which are not viable. Any decision to cancel will be made before commencement of the course. The University cannot guarantee that classes required for award completion are available in any subsequent year. Prices for 2019/2020 and subsequent years may be subject to change. Accredited routes may not be available for all languages or levels. Access to accredited routes is subject to having the appropriate level of prior linguistic skill. Terms and conditions apply. In accordance with Leeds Beckett University’s Student Regulations (), there will be no refund for students who withdraw after the second scheduled week of teaching, which for 2018/19 will be 12 October 2018. As part of our usual academic processes all our courses are reviewed to ensure that quality is maintained. For our languages provision this will be completed by March 2019. We will notify you of any changes, which may include the availability of routes and how these are delivered. Terms & Conditions Full terms & conditions for the course can be accessed via the following link: Terms & Conditions DECLARATION: I have read the above information regarding withdrawing from my course. I confirm that on submission of my signed application form, I am liable for fees. I agree to be bound by the Leeds Beckett University. Signature* _________________________________ Date*: ______________________
Very Good: The offer satisfies the selection criterion in all respects. The evaluator has complete certainty and without reservation, that the Service Provider will be able to meet the required standard at the highest level. The Service Provider’s claims are fully supported by the information provided. The supporting information is comprehensive and complete. 5 Good: The offer satisfies the selection criterion in all respects. The evaluator has no reason to believe that the Service Provider will not meet the required standard. The Service Provider’s claims are fully supported by the information provided. Supporting information is comprehensive and complete. 4 Satisfactory: The offer satisfies the selection criterion to an acceptable degree. There are some minor deficiencies and shortcomings in the scope and detail of the supporting information and the evaluator has some reservations regarding the complete satisfaction of the required standard. 3 Marginal: The offer has some short comings and does not fully satisfy the selection criterion. There are some deficiencies in the scope and detail of the supporting information and the evaluator has some reservations regarding the Service Provider’s ability to satisfy the required standard. 2 Poor: The offer barely satisfies, or does not satisfy, the selection criterion. There are major deficiencies in the scope and detail of the supporting information and the evaluator has significant reservations regarding the Service Provider’s ability to satisfy the required standard. 1 Not Compliant: The offer does not satisfy the selection criterion. There are major deficiencies in all aspects of the supporting information and the evaluator considers that the Service Provider has not satisfied the required standard. 0 ATTACHMENT H – RESPONDENT’S DECLARATION Respondent's Declaration an authorised officer of.................................................…............................……................[organisation]
Threshold Establishment Per User Annual Cost Per User $0 to $250 X $251 to $500 $501 to $750 X $751 to $1,000 $1,000 to $1,250 $1,251 to $1,500 $1,501 to $2,000 $2,001 to $2,500 $2,501 to $3,000
SECTION 3 INTELLECTUAL COMPETENCIES (Place an “X” in the box next to those that are applicable.) X Reading Speaking X Critical Analysis X Qualitative Skills Scientific Method of Inquiry X Writing Listening Information Literacy Ethical Judgement Working Collaboratively SECTION 4 (To be completed for General Education courses only.) GENERAL EDUCATION DISCIPLINE AREA (Place an “X” in the box next to those that are applicable.) Communications Humanities Mathematics Social and Behavioral Sciences Natural Sciences SECTION 5 (To be completed for General Education courses only.) GENERAL EDUCATION LEARNING OUTCOME AREA (Place an “X” in the box next to those that are applicable.) Communication Critical Thinking Information Literacy Scientific and Quantitative Reasoning Global Sociocultural Responsibility SECTION 6 LEARNING OUTCOMES TYPE OF OUTCOME (General Education, Course or Program) METHOD OF ASSESSMENT Recognize the importance of financial planning and budgeting. Course Discussion boards, projects or exams Discuss ways to better manage personal assets and current and long-term liabilities. Course Discussion boards, projects or exams Understand the financial markets, institutions and their role in the investment environment. Course Discussion boards, projects or exams SECTION 6 (Continued) LEARNING OUTCOMES TYPE OF OUTCOME (General Education, Course or Program) METHOD OF ASSESSMENT Discuss investment basics like risk and return and be able to research stocks, bonds, and mutual funds. Course Discussion boards, projects or exams List and define the steps in calculating the time value of money. Course Discussion boards, projects or exams Compare and explain different ways to protect wealth (through insurance and retirement planning). Course Discussion boards, projects or exams SECTION 7 Faculty name(s): Jon Lyon Date: 9/29/2014 CS20150615
Grade Distribution: Grade Range A ≥ 950 A- ≥ 900 and < 950 B+ ≥ 870 and < 900 B ≥ 830 and < 870 B- ≥ 800 and < 830 C+ ≥ 770 and < 800 C ≥ 730 and < 770 C- ≥ 700 and < 730 D+ ≥ 650 and < 700 D ≥ 600 and < 650 F < 600 Course Outline: Title Topics An Overview of Financial Management What is Finance? Goals of Financial Management Types of Business Organizations Business Ethics and Ethical Behavior Potential Conflicts and Mitigation Financial Markets and Institutions Types and Roles Financial Markets Types and Roles of Financial Institutions Types and Operations of Stock Markets Stock Market Performance Importance of Market Efficiency Analysis of Financial Statements (CFA TOPIC) What is Ratio Analysis? The Five Groups of Ratios ROE and DuPont Benchmarking and Trend Analysis Uses and Limitations of Ratios Time Value of Money (CFA TOPIC) What is Time Value of Money? Present Value Future Value Types of Annuities Uneven Cash Flow Streams Types of Interest Rates Basics of Loan Amortization Bonds and their Valuation (CFA TOPIC) Corporate and Government Bonds How Bond Prices are Determined Interest Rates and Bond Prices Changes in Bond Prices Over Time Yield to Maturity Yield to Call Risks of Bonds Risk and Rates of Return (CFA TOPIC) Stand-Alone Risk vs. Risk in a Portfolio Risk and Required Rate of Return Diversifiable Risk vs. Market Risk What is CAPM? Factors Affecting the Required Rate of Return on Stocks Stocks and their Valuation (CFA TOPIC) Legal Rights of Stockholders Stock Price vs. Intrinsic Value Discounted Dividend Model Corporate Valuation Model Preferred Stocks The Cost of Capital (CFA TOPIC) Why Use Weighted Average Cost of Capital (WACC)? Costs of the Different Components of Capital Calculating WACC Limitations of WACC The Basics of Capital Budgeting (CFA TOPIC) What is Capital Budgeting? Calculating NPV; IRR; MIRR; Payback Advantages of NPV Limitations of each Method Tentative Course Schedule:
When a loan is amortized, the largest portion of the periodic payment goes to reduce principal in the early years of the loan such that the accumulated interest can be spread out over the life of the loan. ANS: F DIF: Medium TOP: Amortization The effective annual rate is always greater than the simple rate as a result of compounding effects. ANS: F DIF: Medium TOP: Effective and simple rates Because we usually assume positive interest rates in time value analyses, the present value of a three-year annuity will always be less than the future value of a single lump sum, if the annuity payment equals the original lump sum investment. ANS: F DIF: Medium TOP: Lump sum and annuity All else equal, a dollar received sooner is worth more than a dollar received at some later date, because the sooner the dollar is received the more quickly it can be invested to earn a positive return. ANS: T DIF: Medium TOP: Time value concepts An annuity is a series of equal payments made at fixed equal-length intervals for a specified number of periods. ANS: T DIF: Medium TOP: Annuities The difference between an ordinary annuity and an annuity due is that each of the payments of the annuity due earns interest for one additional year (period). ANS: T DIF: Medium TOP: Annuities The difference between the PV of an annuity due and the PV of an ordinary annuity is that each of the payments of the annuity due is discounted by one more year. ANS: T DIF: Medium TOP: Annuities The effective annual rate is less than the simple rate when we have monthly compounding. ANS: F DIF: Medium TOP: Effective annual rate MULTIPLE CHOICE Given some amount to be received several years in the future, if the interest rate increases, the present value of the future amount will a. Be higher. b. Be lower. c. Stay the same. d. Cannot tell. e. Be variable. ANS: B DIF: Easy OBJ: TYPE: Conceptual TOP: PV of a sum You have determined the profitability of a planned project by finding the present value of all the cash flows form that project. Which of the following would cause the project to look more appealing in terms of the present value of those cash flows?
c. $198.89 d. $257.52 e. $254.84 Callable zero coupon bond Answer: c Diff: M 7A-. Recycler Battery Corporation (RBC) issued zero coupon bonds 5 years ago at a price of $214.50 per bond. RBC’s zeros had a 20-year original maturity, with a $1,000 par value. The bonds were callable 10 years after the issue date at a price 7 percent over their accrued value on the call date. If the bonds sell for $239.39 in the market today, what annual rate of return should an investor who buys the bonds today expect to earn on them? a. 15.7% b. 12.4% c. 10.0% d. 9.5% e. 8.0% Taxes on zero coupon bond Answer: a Diff: M 7A-. Today is and you just purchased a 7-year, zero coupon bond with a face value of $1,000 and a yield to maturity of 6 percent. Your tax rate is 30 percent. How much in taxes will you have to pay on the bond the first year that you hold it? a. $ 11.97 b. $211.49 c. $ 12.69 d. $ 39.90 e. $199.52 Taxes on zero coupon bond Answer: e Diff: M N 7A-. A zero coupon bond with a face value of $1,000 matures in 15 years. The bond has a yield to maturity of 7 percent. If an investor buys the bond at the beginning of the year, how much money in taxes will the investor have to pay on the zero coupon bond the first year. Assume that the investor has a 25 percent marginal tax rate. a. $5.25 b. $5.44 c. $5.99 d. $6.25 e. $6.34 Accrued value and interest expense Answer: a Diff: M 7A-. Vogril Company issued 20-year, zero coupon bonds with an expected yield to maturity of 9 percent. The bonds have a par value of $1,000 and were sold for $178.43 each. What is the expected interest expense on these bonds for Year 8?
Calculate the required rate of return of an asset using the capital asset pricing model (CAPM) The equation: Where = required return on asset j = risk-free rate of return, commonly measured by the return on a Treasury bill = beta coefficient or index of non-diversifiable risk for asset j = market return; return on the market portfolio of assets
ROE = NI/S S/TA TA/E 0.12 = NI/$6,000,000 3.2 $1,875,000/$937,500 0.12 = $720,000 = 6.4NI $112,500 = NI. 4-9 Calculate BEP: ROA = 8%; Net income = $600,000; TA = ? ROA = 8% = TA = $7,500,000. To calculate BEP, we still need EBIT. To calculate EBIT construct a partial income statement: EBIT $1,148,077 $225,000 + $923,077 Interest 225,000 (Given) EBT $ 923,077 $600,000/0.65 Taxes (35%) 323,077 NI $ 600,000 BEP = = = 0.1531 = 15.31%. Calculate ROE: We need to determine common equity from total assets calculated above and the accounts payable and accrual balance given in the problem. Accounts payable and accruals $1,000,000 Debt ? Equity ? Total claims = Total assets $7,500,000 Therefore, Debt + Equity = $6,500,000 = Total invested capital.
5-12 These problems can all be solved using a financial calculator by entering the known values shown on the time lines and then pressing the I/YR button. a. 0 1 | | +700 -749 With a financial calculator, enter: N = 1, PV = 700, PMT = 0, and FV = -749. I/YR = 7%. b. 0 1 | | -700 +749 With a financial calculator, enter: N = 1, PV = -700, PMT = 0, and FV = 749. I/YR = 7%. c. 0 10 | | +85,000 -201,229 With a financial calculator, enter: N = 10, PV = 85000, PMT = 0, and FV = I/YR = 9%. d. 0 1 2 3 4 5 | | | | | | +9,000 -2,684.80 -2,684.80 -2,684.80 -2,684.80 -2,684.80 With a financial calculator, enter: N = 5, PV = 9000, PMT = -2684.80, and FV = 0. I/YR = 15%. 5-13 a. ? | | -200 400 With a financial calculator, enter I/YR = 7, PV = -200, PMT = 0, and FV = 400. Then press the N key to find N = 10.24. Override I/YR with the other values to find N = 7.27, 4.19, and 1.00. b. ? | | Enter: I/YR = 10, PV = -200, PMT = 0, and FV = 400. -200 400 N = 7.27. c. ? | | Enter: I/YR = 18, PV = -200, PMT = 0, and FV = 400. -200 400 N = 4.19. d. ? | | Enter: I/YR = 100, PV = -200, PMT = 0, and FV = 400. -200 400 N = 1.00.
FIN303 – Financial Management INSTRUCTOR: Vicentiu Covrig, Ph.D., CFA Office #: JH 4109 PHONE #: 818-677-3405 E-MAIL: vcovrig@csun.edu WEB: www.csun.edu/~vcovrig OFFICE HOURS: Tu 11-12:30pm and 1:45 to 2:30pm; M 5-6:45pm; CLASSROOM: NA 101 COURSE OBJECTIVE: This course provides a market-oriented framework for analyzing the major types of financial decisions made by investors and corporations. Lectures will provide a thorough introduction to discounted cash flow techniques, capital budgeting, financial asset valuation, time value of money, risk and returns and other corporate financial issues. COURSE RESOURCES: Required : Brigham and Houston “ Fundamentals of financial management”, Concise 7th ed. Recommended : Study guide for the above text, available at CSUN bookstore Supplemental: You will need to use a financial calculator, e.g. Texas Instrument BA II, HP10bII. You are responsible to read the manual in order to become proficient in the use of your calculator. Sharing calculators during any exam is prohibited Online Materials: Prior to each week’s class, materials (e.g. class notes) and important announcements, will be made available on www.csun.edu/~vcovrig, under the link for FIN303. GRADING: A. Composition Lowest score Midterm 20% Highest score Midterm 40% Final Exam 30% Assignment 10% B. Examinations You need to bring your own scantron, 2B pencils and calculator non-cumulative in nature no make-up tests allowed; if you miss the midterm due to a valid reason the final exam counts 60% of your grade and you are penalized 10 points on the final exam. multiple choice questions only
charged with acting for the public interest by maintaining an orderly market; simultaneously, they buy and sell for their own accounts in hopes of profiting from the spread between purchases and sales. Clearly, specialists must be closely regulated because of these potentially conflicting roles. 4-8. A specialist on the exchange often acts as a dealer, buying and selling for his or her own account. Nasdaq market makers may do the same thing. 4-9. NASD stands for the National Association of Security Dealers, a self- regulating body of brokers and dealers that oversaw Nasdaq and OTC practices. NASD licensed brokers and handled the punishment for violators of its prescribed fair practices. The NASD merged with the New York Stock Exchange's regulation committee in 2007, resulting in the Financial Industry Regulatory Authority, or FINRA. Nasdaq is an electronic screen-based equity securities market providing instantaneous transactions as market makers compete for investor orders. 4-10. An ECN is an Electronic Communication Network. Basically, ECNs are fully computerized trading networks that match buy and sell orders from investors without the use of a dealer. 4-15. The Dow-Jones Industrial Average is a price-weighted average of 30 large (blue-chip stocks) trading on the NYSE. The S&P 500 Composite Index is a market value index consisting of 500 stocks, with a base period set to 10 (1941-1943). These measures are the two most often-used indicators of what stocks in general are doing. The Dow-Jones Averages are supported by The Wall Street Journal, while the S&P 500 Index is the indicator most often used by institutional investors. 4-16. Blue chip stocks are large, well-established and well-known companies with long records of earnings and dividends. They are typically traded on the NYSE. Examples include Coca-Cola, General Electric, and Exxon Mobil. 4-17. The EAFE Index, or the European, Australia, and Far East Index, is a value-weighted index of the equity performance of major foreign markets. It is, in effect, a non- American world index.
11-6. Actively managed funds are likely to be tax inefficient because of the high annual portfolio turnover rates today, often 100 percent or more (meaning on average every stock in the portfolio is sold within a year. Because mutual funds must pass on their capital gains and losses to shareholders, who have no control over the distributions other than selling their shares beforehand, these funds can be very tax inefficient. 11-7. No. An index fund can only perform as well as the underlying index on a gross basis, and on a net basis the annual expense ratio must be deducted. 11-8. Three active strategies for common stocks include: stock selection--searching for undervalued or overvalued stocks sector rotation--shifting the sector weights in a portfolio to take advantage of those sectors expected to do relatively better and avoid those expected to do relatively worse market timing--the attempt to earn excess returns by varying the percentage of portfolio assets in equity securities. 11-9. In evaluating common stocks, according to one study, security analysts rely on presentations from top management of companies, annual reports, and Form 10-K reports that the companies must file with the SEC. 11-10. The cross-sectional variation in common stocks is large. In a given year, there is a wide range in performance of stocks. Investors who can confine stock selection to the stocks in the highest quartile in a given year would largely avoid losing years. However, about 25 percent of the time even the best stocks would have lost money. Cross-sectional variation of returns has been increasing steadily over the decades. 11-11. Sector rotation is an active strategy involving shifting sector weights in the portfolio in order to take advantage of those sectors that are expected to do relatively better, and avoid or de-emphasize those sectors that are expected to do relatively worse. Investors using this strategy are betting that particular sectors will repeat their price performance relative to the current phase of the business and credit cycle. The key to effective strategies involving sector rotation is an accurate assessment of current economic conditions. 11-12. The evidence on market timing suggests that there is little evidence of many investors doing this successfully on a consistent basis. The evidence from mutual funds is particularly persuasive in this regard. 19-1. The potential advantages of puts and calls include: (a) the smaller investment required relative to transacting in the common
Department of Finance FIN4815 Bank Management Course Syllabus: Semester 1/2018 MSM&E’s Vision and Mission Vision: To be a distinguished business school with entrepreneurial spirit and an international learning environment Mission: Educating graduates with entrepreneurial spirit, global competency, and social responsibility. - By nurturing business knowledge and skills to develop creative business solutions; - By developing business communication skills and appreciation of diversity; - By fostering ethical awareness to act in the benefit of the society at large. Assumption University’s Uniqueness and Identity Uniqueness of the University: An International Catholic University Identity of AU Students: Ethics English Proficiency Entrepreneurial Spirit Course Information Course Title FIN4815 Bank Management Prerequisites FIN3713 Business Analysis and Valuation for students ID551XXXX and above OR FIN3712 Money and Capital Market for students ID511XXXX – 54XXXXX and/or students ID511XXXX – 54XXXXX from other majors choosing plan B: Finance and Banking Class time and Classroom Section 401 Section 402 Tue Thu 13.30-16.30 13.30-16.30 SG337 SG335 Instructor Information Dr. Sarina Preechalert SM323 Mon-Thu (sarina.pree@gmail.com) LMS Course Website Course Description Management and regulations of commercial banks, essential elements in the process of commercial bank management; assets, liabilities and capital management, liquidity management, credit management, risk management, international banking regulatory standards, organization and structure of the commercial banking industry, impact of bank regulatory changes, and current issues on the banking industry Course Objectives Upon completing the course, the students are able to: Understand the historical and current environment in which banks operate and the various structural changes that affect the banking business Understand and analyze bank financial statements and explain their implications on the risk-return performance of the banks; Understand the objectives, policies and strategies in the management of major banking functions such as funding, lending security portfolio management and liquidity management, and; Define the various banking risks such as liquidity risk, interest rate risk, credit risk and capital risk and identify or select the suitable strategies to manage the various risks. Understand process and be able to analyze credit loan requests of both commercials and consumers. Course Learning Goals and Objectives
9. Contacts Australian Taxation Office website: Australian Taxation Office Telephone Numbers 13 28 66 Assistance can also be obtained from other areas of the Commonwealth Government Australian Securities Commission (ASC) 1300 300 630 Centrelink Employers Contact Unit 13 11 58 Family Tax Assistance 13 24 13 Parenting Allowance 13 24 13 Privacy Hotline 1800 023 985 VicSuper Employer Services VicSuper GPO Box 89 MELBOURNE VIC 3001 website: School Council Telephone Support VicSuper Employer Services 1300 878 737 VicSuper Employer Services Fax (03) 9667 9696 VicSuper Member Centre 1300 366 216 VicSuper Adviser Booking Line (03) 9667 9600 Authorised Workers’ Compensation Agents Allianz Australia Workers’ Compensation (Victoria) Limited (03) 9234 3800 Xchanging (03) 9947 3000 CGU Workers Compensation (Victoria) Limited (03) 8630 1000 QBE Workers Compensation (Victoria) Limited (03) 9246 2444 Gallagher Bassett Compensation Victoria Pty Ltd (03) 9297 9000 CASES21 School Level Payroll Enquiries Service Desk 1800 641 943 Schools Financial Management unit The Schools Financial Management unit of Financial Services Division (FSD) provides policy, advice and support to schools regions, divisions and agencies on the financial operations and financial management in schools. The Tax Compliance Unit The Tax Compliance Unit of Financial Services Division (FSD) provides policy and advice to schools, regions, divisions, agencies on the operation of the various taxes that affect the Department and its subsidiary bodies in its operations. Business Manager Networks Business Manager Networks have been established for all schools in each region across the state. 10. Website References Schools Financial Management HRWeb School Council Employment Casual Relief Teachers Tax Resource Centre Tax Information and Tax tables Health, Safety and Workers’ Compensation Information Victorian WorkCover Authority Business Activity Statement Instructions (ATO) Online BAS information Lump sum payments for unused annual leave and long service leave Employment Termination Payments – An Employer’s Guide – The Superannuation Guarantee (ATO) Family Assistance Office website: Fair Work Online .
Customer Contracts Roles Functional Name Definition Module ALL Agency Restricted? View/Inquiry CA_VIEW – view transactions and run reports in Customer Contracts CA X Data Entry CA_DATA_ENTRY – view and create/update contracts in Customer Contracts CA X Setup CA_SETUP – view setup Customer Contracts CA Yes General Ledger Roles Functional Name Definition Module ALL Agency Restricted? View/Inquiry GL_VIEW – view transactions and run reports in General Ledger GL X Data Entry GL_DATA_ENTRY – view and create journal entries in General Ledger GL X Setup GL_SETUP – view setup General Ledger GL X Batch Processes GL_BATCH – run batch processes in General Ledger GL Yes Grants Management Roles Functional Name Definition Module ALL Agency Restricted? View/Inquiry GM_VIEW – view transactions and run reports in Grants Management GM X Clerk/Data Entry GM_DATA_ENTRY – view and create grants in Grants Management GM X Setup GM_SETUP – view setup Grants Management GM X Batch Processes GM_BATCH – run batch processes in Grants Management GM X Yes Project Costing Roles Functional Name Definition Module ALL Agency Restricted? View/Inquiry PC_VIEW – view transactions and run reports in Project Costing PC X Data Entry PC_DATA_ENTRY – view and create/update projects in Project Costing PC X Batch Processes PC_BATCH – run batch processes in Project Costing PC X TL to PC Interface PC_TL_INTFC – access to run the T&L to PC Interface from HCM in Project Costing PC X Setup PC_SETUP – view setup Project Costing PC X Purchasing Roles Functional Name Definition Module ALL Agency Restricted? View/Inquiry PO_VIEW – view transactions and run reports in Purchasing PO X Buyer – Purchase Order Data Entry PO_BUYER – view and create/update purchase orders in Purchasing PO X Requestor – Requisitions Data Entry PO_REQUESTOR – view and create/update requisitions in Purchasing PO X Setup PO_SETUP – view setup in Purchasing PO Yes Procurement Contracts View/Inquiry PRO_CNTRS_VIEW – view transactions in Procurement Contracts - X Procurement Contracts Data Entry PRO_CNTRS_DATA_ENTRY – view and create/update Procurement Contracts - X Other Roles
Energy Insurance and Risk Management Proposal Schedule Spring 2015 Finance 7397 6:00 – 9:00 PM Tuesdays January Presenter Dan Jones Dan Jones Dan Jones Dan Jones Larry Leavell Class Bill Gilmer Class Rob Hausler Class Tom Godbold Class Susan James Class 20 Introduction 27 Teams, Field Trip, Organization February 3 National Oil Companies 10 National Oil Companies 17 Energy Startup 24 Internal Discussion March 3 Energy Data 10 Internal Discussion 17 Spring Break 24 Marsh 31 Internal Discussion April 7 Legal Activities 14 Internal Discussion 21 Criterion 28 Internal Discussion & Last Day of Class Finance 7397
19. ADDITIONAL INFORMATION Always add the course number “FINA 5310 VC01” in the subject line and include “your name and student ID” in your email. Use your “First name +Last name” to name all your files that were submitted on Blackboard. For a prompt reply, please contact me by email yongli.luo@wayland.wbu.edu, or call me at during the regular working hours (M-F @ 9:00AM-5:00PM, except holidays and weekends). I will reply your emails in 24 hours and post your grades in 7 days after your submission (24/7 rule).
Your specialism Please indicate the specialist area(s) that you wish to be designated for. Specialism Mark your specialism(s) with a cross (X) Length of time in role (this should be at least two years) Leadership and management Academies and academy transition Assessment Leadership of Continuing Professional Development (CPD) School Business Management and Financial Management Leadership of Curriculum Pupil Achievement Specialism List your specialist subject or tick any other area Length of time in role (this should be at least two years) Subject? Closing the Gap Mentoring/Coaching Teaching and Learning in general Personal, Social and Health Education (PSHE)
10.00 – 12.00 Getting started for BCL/MJur Freshfields Room 10.00-11.00 A Primer in EU Law 1 Gulbenkian Dr A 10.00 – 11.30 Common Law Sources Law Board Room 11.00 – 12.00 Bod Law Library Tour Library Foyer 11.00 – 12.30 Westlaw Training Library IT Room 13.45 – 15.15 Lexis Library Training Library IT Room 14.00 – 15.30 How to succeed in the MJur 2 Gulbenkian Professor J Gardner 14.00 – 15.00 Bod Law Library Tour Library Foyer 14.00 – 16.00 Getting started for BCL/MJur (laptop) The Cube 14.00 – 15.30 EU Legal Sources Law Board Room 15.30 – 16.30 Bod Law Library Tour Library Foyer 15.30 – 17.00 Westlaw Training Library IT Room Thursday 2 October 9.00-10.00 A Primer in EU Law 2 (to be confirmed) Gulbenkian Dr A Goldbeck-Stier 10.00 – 14.00 Registration Senior Common Room Caroline/Marianne 14.00 – 15.30 How to succeed in the MJur 3 Gulbenkian Professor J Gardner Friday 3 October 09.30 – 10.30 Bod Law Library Tour Library Foyer 10.00 – 14.00 Registration Senior Common Room Caroline/Marianne 10.00 – 12.00 Getting started for BCL/MJur (Laptop) The Cube 11.00 – 12.00 Bod Law Library Tour Library Foyer
Backend POs in the project districts project districts beginning of contract 5 Monitor the imparted trainings and orientations are properly imparted to production groups by Backend POs 34 PGs (2041 artisan members) in 8 districts 8 district within eight months 6 Participate PGs and POs to formulate PGs’ Loan Products and repayment schedules as per their products 34 PGs (2041 artisan members) in 8 districts 8 district within eight months 7. Issues identified and learning perceived in the process of programme implementation and shared & discussed that to the concerned. Similarly issues and learning tackled and addressed Artisans Groups, POs, Technical PO, other stakeholders & PAF From the beginning to the end of assignment 8 Preparation of knowledge sharing materials 5 Materials in various forms videos, articles) in English and Nepali One in every three month
Other Information Group’s Motivation Statement : (Please tell us your perspective about what the ASEAN Community will bring to young people like yourself) Please list down noteworthy achievements of group members since the entry to university (organisational experience, participation/involvement in national/regional/international activities, awards, prizes, etc.) : Member Name 1 - achievements - year Member Name 2 - achievements - year Member Name 3 - achievements - year Member Name 4 - achievements - year Member Name 5 - achievements - year Member Name 6 - achievements - year (One group member may list down more than one achievement) I, on behalf of the group, certify that the facts stated above are true and correct to the best of my knowledge and belief. [Signature and name of Group Advisor on behalf of the Group] [Place and date]
CHECK that the students understand the problem caused by the beech mast. Create a flow diagram of the process or get them to do this in pairs or small groups. Have the students return to their graphic organisers about the problem in Fiordland and amend them if necessary. Then have them add more information, in phrases or sentences, summarising what they have learned. Dealing with unfamiliar vocabulary Have the students think, pair, and share their understanding of the word “predator”, then use the glossary to check that they are correct. DISCUSS examples of predators they know about in the local environment. Have the students think, pair, and share their understandings of the meanings of “native” and “endangered” in the sentence “It is also home to many native and endangered birds …” (page 17). Have them use the glossary and a dictionary to check that their definitions are correct. DISCUSS examples of native and endangered birds they know about in the local environment. DISCUSS the name “Kids Restore the Kepler”. Have the students investigate the meaning of the prefix “re-”. ASK if they can infer a connection to the title. (They will discover that “re” can mean “back” or “backward”, and connect to the definition of “restore” as “give back”.)
Learning activities – Exploring the science RESOURCE LINKS Connected “Rising Seas”, Connected 2014, level 3, Why Is That? “The Tsunami That Washed Time Away”, Connected 2014, level 3, Why Is That? “Lighting the Way with Solar Energy”, Connected 2015, level 4, Is That So? Science Learning Hub Modelling tsunamis and protecting the coast: Wave tank modelling (activity): Similarities and differences: tsunamis and surf waves (activity): Ministry for the Environment Climate change – 3 implications for New Zealand’s coastal margins: Climate change projections for New Zealand: RISE Climate Change and Coastal Communities (videos on sea rising in the San Francisco Bay area) “Beside the Tide”: “Hard Choices”: “The Flood Next Time”: Other sources GNS – Natural Hazards 2013: Parliamentary Commissioner for the Environment – Regional Land Elevation Maps: eSchool Today – Introduction to climate change: Grade Stack – Cyclones and the damage they cause: The New York Times – The Dutch have solutions to rising seas. The world is watching: