The document reviews topics related to finance including Islamic finance, unemployment, time value of money concepts like future value and present value, risk, and factors that can impact unemployment levels and wages. It provides information on unemployment rates, labor force participation, and types of unemployment. It also discusses unemployment insurance and factors that can influence wages.
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This presentation focuses on the Top media trends consumers don’t even know about. The purpose of this presentation is to move a step back from what we as marketers speak about, about the newest shiny thing and the big buzz word of the year – and see what this actually looks like from the perspective of the consumer.
And why does this matter? Because how consumers feel about or perceive marketing trends and advertising will impact how they feel about your brand and therefore the long-term financial success of your company.
Reaching Younger Distance Learners through Technology & Social Media, Indones...Dimas Prasetyo
Presented in The 5th Partners Meeting of the "Academic of ICT Essential fo Goverment Leaders" held by APCICT-ESCAP
www.unapcict.org/
http://www.ut.ac.id
Aspergillosis Patient Support Meeting July 2011 - Sue HowardGraham Atherton
2 hour support meeting for patients & carers that live with aspergillosis.
Main speaker is Dr Sue Howard of Manchester University and the National Aspergillosis Centre
The top media trends that consumers don’t even know aboutKantar
This presentation focuses on the Top media trends consumers don’t even know about. The purpose of this presentation is to move a step back from what we as marketers speak about, about the newest shiny thing and the big buzz word of the year – and see what this actually looks like from the perspective of the consumer.
And why does this matter? Because how consumers feel about or perceive marketing trends and advertising will impact how they feel about your brand and therefore the long-term financial success of your company.
6. N
(1+r)
r = Rate of compounding
N = Number of Periods
7. Compounding Discounting
1
(1+r) N
(1+r) N
Future Value Present Value
Multiply Present Value Multiply Future Value
by factor to get by factor to get
Future Value Present Value
8. Two ways to get Present Value
PV = FV x 1
(1+r) N
or
PV = FV
(1+r) N
9. Rewrite
FV = PV x Factor
FV = PV x Factor
Factor Factor
PV = FV
Factor
10. 1. Calculate factor (1+r) N
2. Is the problem FV or PV?
3. If FV then multiply by PV
FV = PV x Factor
4. If PV then divide FV by
PV = FV ÷ Factor
17. Diversification
Replace one large risk
with lots of small
unrelated risks
Small Small
Small
Risk
Risk
Large Risk
Small
Risk
Small
Risk
Small
Risk
Risk
18. Insurance
Sharing risk
Does not eliminate risk
Reduce your exposure
19. How to Fund an Insurance Pool
Estimate Loss
Estimate Probability
Premium = Loss x Probability
Members = Loss ÷ Premium
20. How to Fund an Insurance Pool
Loss = 100
Probability 1 in 20 or .05
Premium = 100 x .05 = 5
Members = 100 ÷ 5 = 20
32. Saudi Labor Force Around
Total Population 30 million
Non-Saudis 10 million
Saudis 20 million
Adult Population Age 15+ 11 million
Not in Labor Force 6 million
In Labor Force 5 million
Labor Force Participation Rate 45%
Employed 4.4 million
Unemployed 600 thousand
Unemployment Rate 12%
Source: General Statistics Department and Information
33. Employed
paid employees
work in own business
unpaid workers in family business
full-time and part-time
jobs but temporary absence
34. Unemployed
not employed
available
tried to find a job in the last four
weeks
waiting to be recalled from layoff
35. Discouraged
Workers
People who would like
to work but have given
up looking for a job
36. Not in Labor Force
not employed or unemployed
discouraged workers
full-time student
homemaker
retiree