This document provides instructions for creating a loan amortization schedule in Excel. It explains how to use the PMT, PPMT, and IPMT functions to calculate the monthly payment amount, principal portion of each payment, and interest portion of each payment. It also describes how to calculate the beginning and ending balances over the life of the loan and automatically populate the schedule by dragging formulas down the column. The schedule can then be dynamically updated by changing the loan details like amount, interest rate, term or payment frequency.
This document provides an overview of time value of money concepts. It discusses that the value of money decreases over time, so money received today is worth more than the same amount in the future. There are four reasons for an individual's time preference for money: investment opportunities, risk, personal consumption preference, and inflation. The document then describes techniques for adjusting cash flows for time value, including compounding and discounting. It provides examples of simple and compound interest calculations. Finally, it discusses concepts such as present value, perpetuities, and effective interest rates.
This document summarizes the key aspects of Accounting Standard AS-6 on depreciation accounting in India. It defines depreciation and explains how it is allocated over the useful life of a depreciable asset. It covers the applicability of AS-6, methods of calculating depreciation, factors affecting depreciation, and disclosure requirements regarding depreciation policies and amounts in financial statements. The document also discusses accounting treatments for changes in depreciation methods or estimates of useful life.
Factory overhead comprises indirect expenses associated with operating a manufacturing plant that cannot be directly charged to a specific product. These costs include indirect materials, indirect labor, and other indirect costs like rent, utilities, and depreciation. Factory overhead is classified as either fixed or variable. Variance analysis involves calculating the budget or spending variance and volume or capacity variance to determine if actual overhead was over-applied or under-applied compared to the estimated overhead rates and production levels.
There are three main reasons why a dollar in the future is worth less than a dollar today:
1. People prefer present consumption over future consumption
2. Inflation decreases the value of currency over time
3. Uncertainty associated with future cash flows decreases their value
The discount rate incorporates these factors and is used to discount future cash flows to their present value. A higher discount rate leads to a lower present value for future cash flows. Discounting future cash flows converts them to present value dollars.
This chapter discusses labor costs, including distinguishing between direct and indirect labor costs. It covers labor cost control methods like timekeeping and time booking. Different wage payment systems like time rates, piece rates, and bonus systems are explained. Key aspects of labor costs include labor turnover calculation methods, maintaining payroll records, and generating pay slips that include salary deductions. Departments involved in labor cost control are also listed.
This document discusses working capital and cash conversion cycle management. It begins by defining net working capital and the components of the cash conversion cycle, including inventory turnover, accounts receivable turnover, and accounts payable turnover. It then discusses how to calculate a firm's operating cycle and cash conversion cycle. The rest of the document outlines various strategies and techniques for managing inventory, accounts receivable, and payables to improve a firm's cash conversion cycle, including inventory classification and modeling, accounts receivable credit analysis, and accounts payable payment terms.
The document defines and explains different types of costs that are relevant for businesses. It discusses money costs and implicit costs, economic costs and opportunity costs, real costs and private and social costs. It also covers original costs and replacement costs. Finally, it explains fixed costs and variable costs, as well as average costs and marginal costs.
This document provides instructions for creating a loan amortization schedule in Excel. It explains how to use the PMT, PPMT, and IPMT functions to calculate the monthly payment amount, principal portion of each payment, and interest portion of each payment. It also describes how to calculate the beginning and ending balances over the life of the loan and automatically populate the schedule by dragging formulas down the column. The schedule can then be dynamically updated by changing the loan details like amount, interest rate, term or payment frequency.
This document provides an overview of time value of money concepts. It discusses that the value of money decreases over time, so money received today is worth more than the same amount in the future. There are four reasons for an individual's time preference for money: investment opportunities, risk, personal consumption preference, and inflation. The document then describes techniques for adjusting cash flows for time value, including compounding and discounting. It provides examples of simple and compound interest calculations. Finally, it discusses concepts such as present value, perpetuities, and effective interest rates.
This document summarizes the key aspects of Accounting Standard AS-6 on depreciation accounting in India. It defines depreciation and explains how it is allocated over the useful life of a depreciable asset. It covers the applicability of AS-6, methods of calculating depreciation, factors affecting depreciation, and disclosure requirements regarding depreciation policies and amounts in financial statements. The document also discusses accounting treatments for changes in depreciation methods or estimates of useful life.
Factory overhead comprises indirect expenses associated with operating a manufacturing plant that cannot be directly charged to a specific product. These costs include indirect materials, indirect labor, and other indirect costs like rent, utilities, and depreciation. Factory overhead is classified as either fixed or variable. Variance analysis involves calculating the budget or spending variance and volume or capacity variance to determine if actual overhead was over-applied or under-applied compared to the estimated overhead rates and production levels.
There are three main reasons why a dollar in the future is worth less than a dollar today:
1. People prefer present consumption over future consumption
2. Inflation decreases the value of currency over time
3. Uncertainty associated with future cash flows decreases their value
The discount rate incorporates these factors and is used to discount future cash flows to their present value. A higher discount rate leads to a lower present value for future cash flows. Discounting future cash flows converts them to present value dollars.
This chapter discusses labor costs, including distinguishing between direct and indirect labor costs. It covers labor cost control methods like timekeeping and time booking. Different wage payment systems like time rates, piece rates, and bonus systems are explained. Key aspects of labor costs include labor turnover calculation methods, maintaining payroll records, and generating pay slips that include salary deductions. Departments involved in labor cost control are also listed.
This document discusses working capital and cash conversion cycle management. It begins by defining net working capital and the components of the cash conversion cycle, including inventory turnover, accounts receivable turnover, and accounts payable turnover. It then discusses how to calculate a firm's operating cycle and cash conversion cycle. The rest of the document outlines various strategies and techniques for managing inventory, accounts receivable, and payables to improve a firm's cash conversion cycle, including inventory classification and modeling, accounts receivable credit analysis, and accounts payable payment terms.
The document defines and explains different types of costs that are relevant for businesses. It discusses money costs and implicit costs, economic costs and opportunity costs, real costs and private and social costs. It also covers original costs and replacement costs. Finally, it explains fixed costs and variable costs, as well as average costs and marginal costs.
The document discusses the results of a study on the effects of exercise on memory and thinking abilities in older adults. The study found that regular exercise led to improvements in memory, planning abilities, and attention span in adults aged 60-79 who exercised aerobically for 150 minutes per week. Exercising helped increase blood flow and oxygen to the brain which supported brain health as adults aged.
This document provides an overview of rate of return analysis techniques for evaluating engineering projects and investments. It defines internal rate of return as the interest rate that makes the net present value of a project's cash flows equal to zero. It discusses how to calculate IRR using tables, trial and error, or numerical methods. The document also introduces incremental rate of return analysis for comparing competing alternatives, and defines the minimum attractive rate of return used to determine which project to select. Several examples are provided to illustrate IRR, incremental analysis, and solving practice problems.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
The document outlines the session plan for evaluating capital projects. It discusses key capital budgeting concepts like net present value (NPV), internal rate of return (IRR), payback period, accounting rate of return. It provides examples and formulas to calculate these metrics and explains the decision rules for project selection using NPV, IRR and other techniques. The document also discusses other topics like discounted cash flow analysis, time value of money, types of projects and risk analysis in capital budgeting.
The cash conversion cycle is a cash flow calculation that attempts to measure the time it takes a company to convert its investment in inventory and other resource inputs into cash. In other words, the cash conversion cycle calculation measures how long cash is tied up in inventory before the inventory is sold and cash is collected from customers.
The document discusses the cash flow statement and how it provides information about cash inflows and outflows during a period of time for operating, investing, and financing activities. It explains that the cash flow statement highlights cash flows from different activities and is useful for short-term financial planning and cash management. However, it does not show the total financial position or liquidity of a firm.
This document discusses different types of costing methods including job costing and contract costing. It provides details on:
- Job costing is used to determine costs for specific jobs or orders and is commonly used in job order industries. Costs are tracked separately for each job.
- Contract costing is a variant of job costing applied to construction projects. Each contract is treated as a separate cost unit and costs are tracked separately for each contract over its duration.
- Key aspects of contract costing include maintaining separate accounts for each contract, charging costs incurred directly to the relevant contract, and payment being made based on certified work completed.
The document provides information about accounting tuition services offered by Khalid Aziz for various qualifications and courses. It lists the qualifications covered including PIPFA, ICAP, Commerce, and others. For each it specifies the modules and syllabus that can be completed in a certain time period. Contact details are provided at the end for Khalid Aziz's tuition services located in Karachi.
Chapter 09 of ICT Project Management based on IOE Engineering syllabus. This chapter mainly focuses on cost and project, cost management, cost estimating and more related to cost and project. Provided by Project Management Sir of KU
This document provides an overview of working capital management. It defines working capital as current assets that can be converted to cash within a year to meet day-to-day operations. Working capital management aims to maximize shareholder wealth by managing sources and uses of working capital. It also discusses key aspects like gross and net working capital, operating cycle, factors that affect working capital needs, approaches to financing working capital, and tools for monitoring and controlling working capital. The document provides definitions and formulas to calculate different working capital metrics and estimates working capital requirements based on various operational factors.
This document summarizes different types of labor costs and methods for controlling them. It discusses direct and indirect labor, casual and out workers, leave and holiday pay, normal and abnormal idle time, and various incentive plans like Halsey, Rowan, and Taylor's differential piece rate systems. The key points are how labor can be classified, the importance of controlling labor costs, different types of workers and paid time off, causes of idle time, and incentive plans to encourage higher productivity.
The difference between the present value of cash inflows and the present value of cash outflows. NPV is used in capital budgeting to analyze the profitability of an investment or project.
This document discusses various methods of depreciation for fixed assets. It defines depreciation as the allocation of the cost of a fixed asset over its useful life. Common causes of depreciation include physical deterioration, obsolescence, depletion, and passage of time. Popular depreciation methods include straight-line, reducing balance, revaluation, units-of-output, double-declining balance, and sum-of-the-years'-digits. Each method calculates depreciation expense differently, with advantages and disadvantages to consider.
This document presents a group presentation on labor costs given by 11 group members to their lecturer. It discusses the objectives of the presentation which are to define labor cost and its types, provide simple formulas to calculate labor cost, explain labor cost percentage formulas, discuss how to organize and control labor costs, and explain idle time costs and overtime costs. It then provides details on direct and indirect labor costs, formulas to calculate labor cost, how to account for and control labor costs, causes and treatments of idle time, disadvantages and treatments of overtime, and examples of calculating direct labor costs and manufacturing overhead costs.
The document discusses the components and computation of a cost sheet. It explains that a cost sheet tracks direct material costs, direct labor costs, direct expenses, factory/works overhead costs, office and administration overhead costs, and selling and distribution overhead costs. It provides a template for a cost sheet showing accounts for materials consumed, direct labor, prime costs, factory costs, production costs, cost of goods sold, and sales. It then provides an example cost sheet with specific costs to populate the template for a company.
3 time value_of_money_slides - Basic Financenakomuri
The document discusses the time value of money, which is the basic principle that a dollar received today is worth more than a dollar received in the future due to opportunity costs. It defines key terms like compound interest, future value, present value, and annuities. The five learning objectives are to define the time value of money, understand its significance, learn how to calculate future and present values of cash flows, understand compounding and discounting, and work with annuities and perpetuities.
Comparison and selection among alternativesNafis Ahmad
This document summarizes key concepts from Chapter 6 of the 15th edition of the textbook "Engineering Economy" for evaluating capital investment alternatives. It discusses evaluating mutually exclusive alternatives based on economic considerations alone, including initial investments, revenues, costs and lives. Methods covered include equivalent worth analysis, incremental analysis, and adjustments needed when alternatives have unequal lives or lives different than the study period.
Liabilities are obligations to transfer assets or provide services to other entities in the future as a result of past transactions. They are measured at their current cash equivalent value, with current liabilities due within one year and noncurrent liabilities due after. Accruals build up amounts in liability accounts over time for things like interest, wages, and deferred revenues where cash is received before being earned. Bonds payable are long-term debt that make periodic interest payments and pay par value at maturity. Companies consider ratings and market rates when issuing bonds to manage cash flows. Off-balance sheet liabilities include contingent liabilities, operating leases, and liabilities held in special purpose entities.
This document defines and explains various accounting concepts related to asset valuation over time. It defines depreciation as a non-cash expense that reduces the value of an asset over its useful life. It then describes different depreciation calculation methods like straight-line, sum-of-years digits, and declining balance. The document also discusses amortization, write-offs, and sinking funds which are methods used to allocate capital costs over a period of time. Examples are provided to illustrate how to calculate depreciation and amortization using different formulas and rates.
FINANCIAL MANAGEMENT PPT BY FINMAN Time value of money officialMary Rose Habagat
The document discusses time value of money concepts and calculations. It explains that time value of money allows comparison of cash flows that occur at different points in time. It then covers key time value of money concepts like future value, present value, compound interest, annuities, and perpetuities. Examples are provided to demonstrate calculations for future value, present value, ordinary annuities, annuities due, and mixed cash flow streams using tables and Excel functions. The document aims to develop an understanding of time value of money principles and computations that are important for accounting, finance, management, and personal financial planning.
The document discusses the results of a study on the effects of exercise on memory and thinking abilities in older adults. The study found that regular exercise led to improvements in memory, planning abilities, and attention span in adults aged 60-79 who exercised aerobically for 150 minutes per week. Exercising helped increase blood flow and oxygen to the brain which supported brain health as adults aged.
This document provides an overview of rate of return analysis techniques for evaluating engineering projects and investments. It defines internal rate of return as the interest rate that makes the net present value of a project's cash flows equal to zero. It discusses how to calculate IRR using tables, trial and error, or numerical methods. The document also introduces incremental rate of return analysis for comparing competing alternatives, and defines the minimum attractive rate of return used to determine which project to select. Several examples are provided to illustrate IRR, incremental analysis, and solving practice problems.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
The document outlines the session plan for evaluating capital projects. It discusses key capital budgeting concepts like net present value (NPV), internal rate of return (IRR), payback period, accounting rate of return. It provides examples and formulas to calculate these metrics and explains the decision rules for project selection using NPV, IRR and other techniques. The document also discusses other topics like discounted cash flow analysis, time value of money, types of projects and risk analysis in capital budgeting.
The cash conversion cycle is a cash flow calculation that attempts to measure the time it takes a company to convert its investment in inventory and other resource inputs into cash. In other words, the cash conversion cycle calculation measures how long cash is tied up in inventory before the inventory is sold and cash is collected from customers.
The document discusses the cash flow statement and how it provides information about cash inflows and outflows during a period of time for operating, investing, and financing activities. It explains that the cash flow statement highlights cash flows from different activities and is useful for short-term financial planning and cash management. However, it does not show the total financial position or liquidity of a firm.
This document discusses different types of costing methods including job costing and contract costing. It provides details on:
- Job costing is used to determine costs for specific jobs or orders and is commonly used in job order industries. Costs are tracked separately for each job.
- Contract costing is a variant of job costing applied to construction projects. Each contract is treated as a separate cost unit and costs are tracked separately for each contract over its duration.
- Key aspects of contract costing include maintaining separate accounts for each contract, charging costs incurred directly to the relevant contract, and payment being made based on certified work completed.
The document provides information about accounting tuition services offered by Khalid Aziz for various qualifications and courses. It lists the qualifications covered including PIPFA, ICAP, Commerce, and others. For each it specifies the modules and syllabus that can be completed in a certain time period. Contact details are provided at the end for Khalid Aziz's tuition services located in Karachi.
Chapter 09 of ICT Project Management based on IOE Engineering syllabus. This chapter mainly focuses on cost and project, cost management, cost estimating and more related to cost and project. Provided by Project Management Sir of KU
This document provides an overview of working capital management. It defines working capital as current assets that can be converted to cash within a year to meet day-to-day operations. Working capital management aims to maximize shareholder wealth by managing sources and uses of working capital. It also discusses key aspects like gross and net working capital, operating cycle, factors that affect working capital needs, approaches to financing working capital, and tools for monitoring and controlling working capital. The document provides definitions and formulas to calculate different working capital metrics and estimates working capital requirements based on various operational factors.
This document summarizes different types of labor costs and methods for controlling them. It discusses direct and indirect labor, casual and out workers, leave and holiday pay, normal and abnormal idle time, and various incentive plans like Halsey, Rowan, and Taylor's differential piece rate systems. The key points are how labor can be classified, the importance of controlling labor costs, different types of workers and paid time off, causes of idle time, and incentive plans to encourage higher productivity.
The difference between the present value of cash inflows and the present value of cash outflows. NPV is used in capital budgeting to analyze the profitability of an investment or project.
This document discusses various methods of depreciation for fixed assets. It defines depreciation as the allocation of the cost of a fixed asset over its useful life. Common causes of depreciation include physical deterioration, obsolescence, depletion, and passage of time. Popular depreciation methods include straight-line, reducing balance, revaluation, units-of-output, double-declining balance, and sum-of-the-years'-digits. Each method calculates depreciation expense differently, with advantages and disadvantages to consider.
This document presents a group presentation on labor costs given by 11 group members to their lecturer. It discusses the objectives of the presentation which are to define labor cost and its types, provide simple formulas to calculate labor cost, explain labor cost percentage formulas, discuss how to organize and control labor costs, and explain idle time costs and overtime costs. It then provides details on direct and indirect labor costs, formulas to calculate labor cost, how to account for and control labor costs, causes and treatments of idle time, disadvantages and treatments of overtime, and examples of calculating direct labor costs and manufacturing overhead costs.
The document discusses the components and computation of a cost sheet. It explains that a cost sheet tracks direct material costs, direct labor costs, direct expenses, factory/works overhead costs, office and administration overhead costs, and selling and distribution overhead costs. It provides a template for a cost sheet showing accounts for materials consumed, direct labor, prime costs, factory costs, production costs, cost of goods sold, and sales. It then provides an example cost sheet with specific costs to populate the template for a company.
3 time value_of_money_slides - Basic Financenakomuri
The document discusses the time value of money, which is the basic principle that a dollar received today is worth more than a dollar received in the future due to opportunity costs. It defines key terms like compound interest, future value, present value, and annuities. The five learning objectives are to define the time value of money, understand its significance, learn how to calculate future and present values of cash flows, understand compounding and discounting, and work with annuities and perpetuities.
Comparison and selection among alternativesNafis Ahmad
This document summarizes key concepts from Chapter 6 of the 15th edition of the textbook "Engineering Economy" for evaluating capital investment alternatives. It discusses evaluating mutually exclusive alternatives based on economic considerations alone, including initial investments, revenues, costs and lives. Methods covered include equivalent worth analysis, incremental analysis, and adjustments needed when alternatives have unequal lives or lives different than the study period.
Liabilities are obligations to transfer assets or provide services to other entities in the future as a result of past transactions. They are measured at their current cash equivalent value, with current liabilities due within one year and noncurrent liabilities due after. Accruals build up amounts in liability accounts over time for things like interest, wages, and deferred revenues where cash is received before being earned. Bonds payable are long-term debt that make periodic interest payments and pay par value at maturity. Companies consider ratings and market rates when issuing bonds to manage cash flows. Off-balance sheet liabilities include contingent liabilities, operating leases, and liabilities held in special purpose entities.
This document defines and explains various accounting concepts related to asset valuation over time. It defines depreciation as a non-cash expense that reduces the value of an asset over its useful life. It then describes different depreciation calculation methods like straight-line, sum-of-years digits, and declining balance. The document also discusses amortization, write-offs, and sinking funds which are methods used to allocate capital costs over a period of time. Examples are provided to illustrate how to calculate depreciation and amortization using different formulas and rates.
FINANCIAL MANAGEMENT PPT BY FINMAN Time value of money officialMary Rose Habagat
The document discusses time value of money concepts and calculations. It explains that time value of money allows comparison of cash flows that occur at different points in time. It then covers key time value of money concepts like future value, present value, compound interest, annuities, and perpetuities. Examples are provided to demonstrate calculations for future value, present value, ordinary annuities, annuities due, and mixed cash flow streams using tables and Excel functions. The document aims to develop an understanding of time value of money principles and computations that are important for accounting, finance, management, and personal financial planning.
Progress In Banking Sector Due To Monetory Policytnd150
The document summarizes developments in the Indian banking sector from 2007-2008. It discusses the performance of commercial banks, regional rural banks, cooperative banks, and non-performing assets during this period. Key points include moderate credit growth, declining non-performing assets, increased capitalization, and consolidation in the commercial banking sector. Rural banks saw increased profits but higher recapitalization needs, while cooperative banks focused on revitalization and financial inclusion. Overall, the banking sector was affected by macroeconomic and monetary policy factors during this period.
This document discusses portfolio analysis and security analysis. It defines portfolio analysis as determining the future risk and return of holding various combinations of individual securities. Portfolio analysis involves diversifying investments across different assets, industries, and companies to reduce non-systematic risk. The document contrasts traditional portfolio analysis, which focuses on lowest risk securities, with modern portfolio theory, which emphasizes combining high and low risk securities to maximize returns at a given level of risk. Key aspects of portfolio analysis include calculating expected returns, variance, and the standard deviation and beta of a portfolio to measure risk. Diversification is presented as an important tool to reduce unsystematic risk.
The document discusses the regulation of commercial banks by central banks. It provides three examples of bank failures in the United States in recent years to illustrate the importance of appropriate regulatory policies. It also reviews literature on different aspects of bank regulation, including self-regulation, regulatory directives that impact banks, the need for stricter state control over the financial sector, and the functions of central banks in regulating commercial banks and achieving macroeconomic policy objectives.
The document discusses portfolio diversification and asset allocation. It explains that asset allocation is the process of combining different asset classes like stocks, bonds, and cash to meet investment goals. Diversifying across asset classes can help lower risk and increase returns. The document provides examples showing how diversified portfolios performed better than non-diversified portfolios during market downturns.
The asset-allocation decision is one of the most important factors in determining both the return and the risk of an investment portfolio.
Asset allocation is the process of developing a diversified investment portfolio by combining different assets in varying proportions.
An asset is anything that produces income or can be purchased and sold, such as stocks, bonds, or certificates of deposit (CDs).
Understanding the time value of money (annuity)DIANN MOORMAN
Here are the key points:
- Future value, present value, annuities, amortized loans are important time value of money concepts
- Formulas allow you to calculate unknown values (e.g. future value) given known amounts, interest rates, time periods
- Make sure time frames are consistent when annual vs monthly payments/interest are used
- Financial calculators make the calculations easy but understanding the concepts is important
Security Analysis and Portfolio ManagementShrey Sao
Modern portfolio theory (MPT) provides a framework for constructing investment portfolios to maximize expected return based on a given level of market risk. MPT assumes investors aim to maximize returns for a given level of risk. It uses variance as a measure of risk and covariance to capture how asset returns move together. The efficient frontier graph shows the set of optimal portfolios that offer the highest expected return for a given level of risk. Individual investors select the portfolio on the efficient frontier that maximizes their utility based on their risk tolerance. MPT emphasizes diversification and the benefits of holding inefficiently priced assets.
This is a free webinar hosted by the Personal Finance concentration area of the Military Families Learning Network on February 21, 2017.
The time value of money (e.g., present and future value of a lump sum or an annuity) is one of the most fundamental building blocks of financial goal-setting and decision-making. This 90-minute webinar will discuss basic time value of money concepts and the application of time value of money concepts to real-life financial planning decisions. The webinar will also model “hands-on” calculations that participants can use with others (e.g., clients and students) and describe online resources (e.g., videos, calculators, and curricula) that teach time value of money concepts. Participants should bring a financial calculator to complete a series of financial decision-making problems that will be presented during the webinar.
Participants will need to do manual calculations during this webinar. Please join the webinar with a calculator or have access to an online calculator. Additional webinar resources available at https://learn.extension.org/events/2878.
The document discusses different aspects of financial markets including the functions of financial markets, flow of funds through direct and indirect transfers, classification of financial assets into equity, debt, and hybrid instruments. It also defines different classifications of financial markets based on maturity, claim, and structure. Finally, it outlines various types of financial intermediaries such as depositary institutions, contractual savings institutions, and investment intermediaries.
Chapter 2 Financial Institutions, Financial Intermediaries and Asset Manageme...Nardin A
Chapter 2 Financial Institutions, Financial Intermediaries and Asset Management Firms
Foundations of Financial Markets and Institutions 4th edition 2009
Frank J. Fabozzi
Franco Modigliani
Frank J. Jones
Financial intermediation is the process where financial intermediaries accept funds from savers and lend those funds to borrowers. This allows for maturity and liquidity transformation between net savers and net borrowers. Financial intermediaries are important as they are major providers of funds to borrowers compared to financial markets. Regulations aim to address moral hazard and curb excessive risk taking by intermediaries given the risks involved in financial services.
This is the third presentation for the University of New England Graduate School of Business unit GSB711 - Managerial Finance. It explores the time value of money, using examples to help students clarify this concept.
Security analysis and portfolio managementHimanshu Jain
Live Project was all about studying the company’s financial health through the movement of their stock price. This live project deals with the basic concepts of investment in securities such as bonds and stocks, and management of such assets. It discusses various aspects of portfolio management, ranging from analysis, selection, and revision to evaluation of portfolio, securities market and risk evaluation that help in understanding the trading system better and making quality investment decisions.
This live project helped to understand how the stock prices vary. It also helped to know and calculate several technical terms. In this project, I was given 5 stocks wherein I need to update opening price, closing price, % change, total shares traded etc. every day. Then it is required to find out the beta, average return etc. of these stocks separately and construct a portfolio with Rs. 50, 00,000 keeping in mind optimum return for the investment. We need to keep in mind beta, standard deviation, risk and return of these stocks and invest to get the optimum returns.
This project helps in knowing the expected return and risk for each stock. Under this project I got to know about portfolio management as well as expected return & risk associate with each company. Through this project my future investment will be better as it helps in knowing the inside depth of companies by analysis the financial details.
Bab 6 - Accounting and the Time Value of Moneymsahuleka
This document discusses accounting topics related to the time value of money, including compound interest, future and present value calculations, annuities, and bond valuation. It provides learning objectives and examples to distinguish between simple and compound interest, use interest tables, solve single-sum and annuity problems, and apply time value of money concepts to accounting measurements.
This document summarizes Muhammad Shoaib's first presentation at Iqra University on self-management skills. The presentation covered topics like career planning, self-esteem, positive thinking, stress management, time management, communication skills, team building, conflict management, negotiation, setting goals, and stress management. Shoaib learned from each chapter and how to apply the skills to his daily life and future objectives. The conclusion expresses gratitude for the opportunity to present and learn.
Central banks play a key role in monetary policy and the economy. They influence money supply and interest rates through tools like open market operations, reserve requirements, and interest rate policy. The primary objective of monetary policy is typically price stability, while also promoting goals like full employment. Central banks use both direct and indirect market instruments to achieve their objectives.
This document discusses industrial clusters in China, specifically:
- It defines industrial clusters and traces their history back to Alfred Marshall.
- It explores the implications of clustering for Chinese firms, particularly SMEs, including overcoming financial constraints and improving productivity.
- It notes that thousands of industrial clusters in China mainly comprise SMEs, and the number of SMEs is growing faster in clustered areas.
Entrepreneurship (perspective & introduction)Dr. Amir Ikram
The document discusses the results of a study on the impact of COVID-19 lockdowns on air pollution. Researchers found that lockdowns led to significant short-term reductions in nitrogen dioxide and fine particulate matter pollution globally as economic activities slowed. However, the impacts on greenhouse gases and long-term air quality improvements remain uncertain without permanent behavior and economic changes.
MR. AMIR IKRAM is a resource person with an MPhil from GC University Lahore and an MBIT in Finance from Punjab University. The document contains tables with values for future value (FV), present value (PV), and other time value of money calculations at varying interest rates and time periods. The tables provide the calculations for interest rates from 2% to 18% and time periods from 1 to 50 years for future value, and periods from 1 to 20 years for present value.
Financial Management; Annuity, Annuity due, Loan Amortization. Considering the state of economy, the importance of 'Time value of money' can not be denied; the money should be dealt with in the most possible manner.
Financial management; Time Value of Money (2)Dr. Amir Ikram
Financial Management; Considering the state of economy, the importance of 'Time value of money' can not be denied; the money should be dealt with in the most efficient manner. The concepts of TVM are explained in easy-to-comprehend examples.
Corporate Finance / Finance Management; Ratio Analysis. financial statements would be of little use if we don't make relevant interpretations with the help of such techniques (Ratio Analysis).
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help boost feelings of calmness, happiness and focus.
This presentation was provided by Rebecca Benner, Ph.D., of the American Society of Anesthesiologists, for the second session of NISO's 2024 Training Series "DEIA in the Scholarly Landscape." Session Two: 'Expanding Pathways to Publishing Careers,' was held June 13, 2024.
ISO/IEC 27001, ISO/IEC 42001, and GDPR: Best Practices for Implementation and...PECB
Denis is a dynamic and results-driven Chief Information Officer (CIO) with a distinguished career spanning information systems analysis and technical project management. With a proven track record of spearheading the design and delivery of cutting-edge Information Management solutions, he has consistently elevated business operations, streamlined reporting functions, and maximized process efficiency.
Certified as an ISO/IEC 27001: Information Security Management Systems (ISMS) Lead Implementer, Data Protection Officer, and Cyber Risks Analyst, Denis brings a heightened focus on data security, privacy, and cyber resilience to every endeavor.
His expertise extends across a diverse spectrum of reporting, database, and web development applications, underpinned by an exceptional grasp of data storage and virtualization technologies. His proficiency in application testing, database administration, and data cleansing ensures seamless execution of complex projects.
What sets Denis apart is his comprehensive understanding of Business and Systems Analysis technologies, honed through involvement in all phases of the Software Development Lifecycle (SDLC). From meticulous requirements gathering to precise analysis, innovative design, rigorous development, thorough testing, and successful implementation, he has consistently delivered exceptional results.
Throughout his career, he has taken on multifaceted roles, from leading technical project management teams to owning solutions that drive operational excellence. His conscientious and proactive approach is unwavering, whether he is working independently or collaboratively within a team. His ability to connect with colleagues on a personal level underscores his commitment to fostering a harmonious and productive workplace environment.
Date: May 29, 2024
Tags: Information Security, ISO/IEC 27001, ISO/IEC 42001, Artificial Intelligence, GDPR
-------------------------------------------------------------------------------
Find out more about ISO training and certification services
Training: ISO/IEC 27001 Information Security Management System - EN | PECB
ISO/IEC 42001 Artificial Intelligence Management System - EN | PECB
General Data Protection Regulation (GDPR) - Training Courses - EN | PECB
Webinars: https://pecb.com/webinars
Article: https://pecb.com/article
-------------------------------------------------------------------------------
For more information about PECB:
Website: https://pecb.com/
LinkedIn: https://www.linkedin.com/company/pecb/
Facebook: https://www.facebook.com/PECBInternational/
Slideshare: http://www.slideshare.net/PECBCERTIFICATION
Chapter wise All Notes of First year Basic Civil Engineering.pptxDenish Jangid
Chapter wise All Notes of First year Basic Civil Engineering
Syllabus
Chapter-1
Introduction to objective, scope and outcome the subject
Chapter 2
Introduction: Scope and Specialization of Civil Engineering, Role of civil Engineer in Society, Impact of infrastructural development on economy of country.
Chapter 3
Surveying: Object Principles & Types of Surveying; Site Plans, Plans & Maps; Scales & Unit of different Measurements.
Linear Measurements: Instruments used. Linear Measurement by Tape, Ranging out Survey Lines and overcoming Obstructions; Measurements on sloping ground; Tape corrections, conventional symbols. Angular Measurements: Instruments used; Introduction to Compass Surveying, Bearings and Longitude & Latitude of a Line, Introduction to total station.
Levelling: Instrument used Object of levelling, Methods of levelling in brief, and Contour maps.
Chapter 4
Buildings: Selection of site for Buildings, Layout of Building Plan, Types of buildings, Plinth area, carpet area, floor space index, Introduction to building byelaws, concept of sun light & ventilation. Components of Buildings & their functions, Basic concept of R.C.C., Introduction to types of foundation
Chapter 5
Transportation: Introduction to Transportation Engineering; Traffic and Road Safety: Types and Characteristics of Various Modes of Transportation; Various Road Traffic Signs, Causes of Accidents and Road Safety Measures.
Chapter 6
Environmental Engineering: Environmental Pollution, Environmental Acts and Regulations, Functional Concepts of Ecology, Basics of Species, Biodiversity, Ecosystem, Hydrological Cycle; Chemical Cycles: Carbon, Nitrogen & Phosphorus; Energy Flow in Ecosystems.
Water Pollution: Water Quality standards, Introduction to Treatment & Disposal of Waste Water. Reuse and Saving of Water, Rain Water Harvesting. Solid Waste Management: Classification of Solid Waste, Collection, Transportation and Disposal of Solid. Recycling of Solid Waste: Energy Recovery, Sanitary Landfill, On-Site Sanitation. Air & Noise Pollution: Primary and Secondary air pollutants, Harmful effects of Air Pollution, Control of Air Pollution. . Noise Pollution Harmful Effects of noise pollution, control of noise pollution, Global warming & Climate Change, Ozone depletion, Greenhouse effect
Text Books:
1. Palancharmy, Basic Civil Engineering, McGraw Hill publishers.
2. Satheesh Gopi, Basic Civil Engineering, Pearson Publishers.
3. Ketki Rangwala Dalal, Essentials of Civil Engineering, Charotar Publishing House.
4. BCP, Surveying volume 1
This presentation was provided by Racquel Jemison, Ph.D., Christina MacLaughlin, Ph.D., and Paulomi Majumder. Ph.D., all of the American Chemical Society, for the second session of NISO's 2024 Training Series "DEIA in the Scholarly Landscape." Session Two: 'Expanding Pathways to Publishing Careers,' was held June 13, 2024.
LAND USE LAND COVER AND NDVI OF MIRZAPUR DISTRICT, UPRAHUL
This Dissertation explores the particular circumstances of Mirzapur, a region located in the
core of India. Mirzapur, with its varied terrains and abundant biodiversity, offers an optimal
environment for investigating the changes in vegetation cover dynamics. Our study utilizes
advanced technologies such as GIS (Geographic Information Systems) and Remote sensing to
analyze the transformations that have taken place over the course of a decade.
The complex relationship between human activities and the environment has been the focus
of extensive research and worry. As the global community grapples with swift urbanization,
population expansion, and economic progress, the effects on natural ecosystems are becoming
more evident. A crucial element of this impact is the alteration of vegetation cover, which plays a
significant role in maintaining the ecological equilibrium of our planet.Land serves as the foundation for all human activities and provides the necessary materials for
these activities. As the most crucial natural resource, its utilization by humans results in different
'Land uses,' which are determined by both human activities and the physical characteristics of the
land.
The utilization of land is impacted by human needs and environmental factors. In countries
like India, rapid population growth and the emphasis on extensive resource exploitation can lead
to significant land degradation, adversely affecting the region's land cover.
Therefore, human intervention has significantly influenced land use patterns over many
centuries, evolving its structure over time and space. In the present era, these changes have
accelerated due to factors such as agriculture and urbanization. Information regarding land use and
cover is essential for various planning and management tasks related to the Earth's surface,
providing crucial environmental data for scientific, resource management, policy purposes, and
diverse human activities.
Accurate understanding of land use and cover is imperative for the development planning
of any area. Consequently, a wide range of professionals, including earth system scientists, land
and water managers, and urban planners, are interested in obtaining data on land use and cover
changes, conversion trends, and other related patterns. The spatial dimensions of land use and
cover support policymakers and scientists in making well-informed decisions, as alterations in
these patterns indicate shifts in economic and social conditions. Monitoring such changes with the
help of Advanced technologies like Remote Sensing and Geographic Information Systems is
crucial for coordinated efforts across different administrative levels. Advanced technologies like
Remote Sensing and Geographic Information Systems
9
Changes in vegetation cover refer to variations in the distribution, composition, and overall
structure of plant communities across different temporal and spatial scales. These changes can
occur natural.
Level 3 NCEA - NZ: A Nation In the Making 1872 - 1900 SML.pptHenry Hollis
The History of NZ 1870-1900.
Making of a Nation.
From the NZ Wars to Liberals,
Richard Seddon, George Grey,
Social Laboratory, New Zealand,
Confiscations, Kotahitanga, Kingitanga, Parliament, Suffrage, Repudiation, Economic Change, Agriculture, Gold Mining, Timber, Flax, Sheep, Dairying,
This document provides an overview of wound healing, its functions, stages, mechanisms, factors affecting it, and complications.
A wound is a break in the integrity of the skin or tissues, which may be associated with disruption of the structure and function.
Healing is the body’s response to injury in an attempt to restore normal structure and functions.
Healing can occur in two ways: Regeneration and Repair
There are 4 phases of wound healing: hemostasis, inflammation, proliferation, and remodeling. This document also describes the mechanism of wound healing. Factors that affect healing include infection, uncontrolled diabetes, poor nutrition, age, anemia, the presence of foreign bodies, etc.
Complications of wound healing like infection, hyperpigmentation of scar, contractures, and keloid formation.
Philippine Edukasyong Pantahanan at Pangkabuhayan (EPP) CurriculumMJDuyan
(𝐓𝐋𝐄 𝟏𝟎𝟎) (𝐋𝐞𝐬𝐬𝐨𝐧 𝟏)-𝐏𝐫𝐞𝐥𝐢𝐦𝐬
𝐃𝐢𝐬𝐜𝐮𝐬𝐬 𝐭𝐡𝐞 𝐄𝐏𝐏 𝐂𝐮𝐫𝐫𝐢𝐜𝐮𝐥𝐮𝐦 𝐢𝐧 𝐭𝐡𝐞 𝐏𝐡𝐢𝐥𝐢𝐩𝐩𝐢𝐧𝐞𝐬:
- Understand the goals and objectives of the Edukasyong Pantahanan at Pangkabuhayan (EPP) curriculum, recognizing its importance in fostering practical life skills and values among students. Students will also be able to identify the key components and subjects covered, such as agriculture, home economics, industrial arts, and information and communication technology.
𝐄𝐱𝐩𝐥𝐚𝐢𝐧 𝐭𝐡𝐞 𝐍𝐚𝐭𝐮𝐫𝐞 𝐚𝐧𝐝 𝐒𝐜𝐨𝐩𝐞 𝐨𝐟 𝐚𝐧 𝐄𝐧𝐭𝐫𝐞𝐩𝐫𝐞𝐧𝐞𝐮𝐫:
-Define entrepreneurship, distinguishing it from general business activities by emphasizing its focus on innovation, risk-taking, and value creation. Students will describe the characteristics and traits of successful entrepreneurs, including their roles and responsibilities, and discuss the broader economic and social impacts of entrepreneurial activities on both local and global scales.
How to Make a Field Mandatory in Odoo 17Celine George
In Odoo, making a field required can be done through both Python code and XML views. When you set the required attribute to True in Python code, it makes the field required across all views where it's used. Conversely, when you set the required attribute in XML views, it makes the field required only in the context of that particular view.