1. It would take 11.26 years for a capital to triple if it earns 10% interest compounded semiannually.
2. One would need to invest $1,893,959.12 in a fund paying an average rate of 8% compounded quarterly to accumulate $2,600,000 in 4 years.
3. A stated annual interest rate of 24% compounded monthly is not an effective annual rate, as it does not account for compounding.
The document provides examples and explanations of calculations related to interest, principal, rates, and time value of money.
A10 - Matematika Keuangan
Dalam pembahasan soal ini akan membahas beberapa soal dalam mata ujian A10 - Matematika Keuangan yang diselenggarakan oleh PAI (Persatuan Aktuaris Indonesia) pada periode November 2018.
List soal yang dibahas :
No. 1, 2, 3, 4, 9, 10, 16, 18, 27, 28
Jika terdapat kesalahan dalam pembahasan soal, silakan diingatkan. Terimakasih dan semoga membantu.
A10 - Matematika Keuangan
Dalam pembahasan soal ini akan membahas beberapa soal dalam mata ujian A10 - Matematika Keuangan yang diselenggarakan oleh PAI (Persatuan Aktuaris Indonesia) pada periode November 2018.
List soal yang dibahas :
No. 1, 2, 3, 4, 9, 10, 16, 18, 27, 28
Jika terdapat kesalahan dalam pembahasan soal, silakan diingatkan. Terimakasih dan semoga membantu.
* Evaluate exponential functions.
* Find the equation of an exponential function.
* Use compound interest formulas.
* Evaluate exponential functions with base e.
Exam_2_Ch_5_-_8_Deli_Instructions.docx
Office 2013 – myitlab:grader – Instructions Excel Project
Exam 2 Ch. 5 - 8 Deli
Project Description:
You were recently hired as the manager at the popular KoKo’s Deli. You were given a workbook that is incomplete and need to update it by adding lookup functions, profit calculations, payment information, and employee analytics. Because you are a recent hire, your job depends on your accuracy. Once completed, your boss will look over it for final approval before it goes to the owner.
Instructions:
For the purpose of grading the project you are required to perform the following tasks:
Step Instructions Points Possible
1 Start Excel. Open KoKosDeli.xlsx and save the workbook as KoKosDeli_LastName_FirstName.xlsx (Substituting your first and last name.)
Make sure the Deli Data worksheet is active.
0.000
2 While on the Deli Data worksheet, create a custom sort that will first sort by Quarter in alphabetical order, then by Weekday starting with Sunday. 4.000
3 Subtotal the data by Quarter to find the total sales for Lunches and Dinners. Create a page break after each Quarter and have the summary display below the data.
Collapse the data to only display the Subtotals and the Grand Total. Then adjust the column width of Column E to 13.00. 7.000
4 On the Overview Worksheet, create a formula to determine the Income from cash and the income from credit (E4 and E5). The Income from credit is calculated by taking the total income multiplied by the percentage of credit card sales per month.
<hint>The Income from cash MUST be calculated by taking the Total income and subtracting the Income from credit.<hint> 7.000
5 Calculate the Variable Costs (K4 and K5). Remember to make sure you add in the cost per swipe and the Credit Card Processing Fees together.
Calculate the Net Profit in cell E12.
6.000
6 Use the goal seek to determine the break-even point by changing the number of sliders sold. Change B4 to the Number formatting with 0 decimal places. 8.000
7 Fill in the One-Variable data table by making a reference to the Total Income in cell B16, the Total Variable Costs in Cell C16, and the Net Profit in cell D16.
Display the results in the
Accounting format with NO decimal places.Change the values to display the text values for each of the references in cells B16:D16
<hint> B16 should display as
Total income, C16 should display as Variable Costs, and D16 should display as Net Profit (D16 will display as “-Net Profit”)<hint> 7.000
8 Fill in a series cells G16:J16 starting with 3.00 and incrementing by 1.00 stop at 6.00 (This represents the Sales price).
Fill in the Two-Variable data table by making a reference to the
Net Profit in cell F16.Display the results in the accounting format with NO decimal places.
Change the value to display the text values for Cell F16 as
Sliders Sold (This will display as –Sliders Sold). 6.000
9 While still on the Overview Worksheet, use the scenario manager to add these th ...
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
* Evaluate exponential functions.
* Find the equation of an exponential function.
* Use compound interest formulas.
* Evaluate exponential functions with base e.
Exam_2_Ch_5_-_8_Deli_Instructions.docx
Office 2013 – myitlab:grader – Instructions Excel Project
Exam 2 Ch. 5 - 8 Deli
Project Description:
You were recently hired as the manager at the popular KoKo’s Deli. You were given a workbook that is incomplete and need to update it by adding lookup functions, profit calculations, payment information, and employee analytics. Because you are a recent hire, your job depends on your accuracy. Once completed, your boss will look over it for final approval before it goes to the owner.
Instructions:
For the purpose of grading the project you are required to perform the following tasks:
Step Instructions Points Possible
1 Start Excel. Open KoKosDeli.xlsx and save the workbook as KoKosDeli_LastName_FirstName.xlsx (Substituting your first and last name.)
Make sure the Deli Data worksheet is active.
0.000
2 While on the Deli Data worksheet, create a custom sort that will first sort by Quarter in alphabetical order, then by Weekday starting with Sunday. 4.000
3 Subtotal the data by Quarter to find the total sales for Lunches and Dinners. Create a page break after each Quarter and have the summary display below the data.
Collapse the data to only display the Subtotals and the Grand Total. Then adjust the column width of Column E to 13.00. 7.000
4 On the Overview Worksheet, create a formula to determine the Income from cash and the income from credit (E4 and E5). The Income from credit is calculated by taking the total income multiplied by the percentage of credit card sales per month.
<hint>The Income from cash MUST be calculated by taking the Total income and subtracting the Income from credit.<hint> 7.000
5 Calculate the Variable Costs (K4 and K5). Remember to make sure you add in the cost per swipe and the Credit Card Processing Fees together.
Calculate the Net Profit in cell E12.
6.000
6 Use the goal seek to determine the break-even point by changing the number of sliders sold. Change B4 to the Number formatting with 0 decimal places. 8.000
7 Fill in the One-Variable data table by making a reference to the Total Income in cell B16, the Total Variable Costs in Cell C16, and the Net Profit in cell D16.
Display the results in the
Accounting format with NO decimal places.Change the values to display the text values for each of the references in cells B16:D16
<hint> B16 should display as
Total income, C16 should display as Variable Costs, and D16 should display as Net Profit (D16 will display as “-Net Profit”)<hint> 7.000
8 Fill in a series cells G16:J16 starting with 3.00 and incrementing by 1.00 stop at 6.00 (This represents the Sales price).
Fill in the Two-Variable data table by making a reference to the
Net Profit in cell F16.Display the results in the accounting format with NO decimal places.
Change the value to display the text values for Cell F16 as
Sliders Sold (This will display as –Sliders Sold). 6.000
9 While still on the Overview Worksheet, use the scenario manager to add these th ...
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
1. 1. ¿Cuánto tiempo se requiere para que un capital se triplique, si le reconocen intereses
del 10% convertible semestralmente?
𝑆 = 𝐶(1 + 𝑖)𝑛
𝑖𝑚𝑝𝑙𝑖𝑐𝑎
⇒ 3 = 1(1 + 0.05)𝑛
Esto se puede introducir como ecuación en una calculadora científica; en NPER en la
funciones de Excel; o bien despejando n como sigue:
𝑛 =
log(
3
1
)
log(1 + 0.05)
= 22.52 𝑠𝑒𝑚𝑒𝑠𝑡𝑟𝑒𝑠 = 11.26 𝑎ñ𝑜𝑠
2. ¿Cuánto debe invertirse en un fondo de inversión que paga una tasa promedio del 8%
capitalizable trimestralmente, si se desea acumular ¢2.600.000 en 4 años?
𝐶 = 𝑆(1 + 𝑖)−𝑛
𝑖𝑚𝑝𝑙𝑖𝑐𝑎
⇒ 𝐶 = 2.600.000(1 + 0.02)−16
= 1.893.959.12
3. Si un banco ofrece una tasa del 24% capitalizable mensualmente, se puede afirmar que
ese 24% es una tasa efectiva?
R/ Es falso; ya que es una tasa nominal, por no estar capitalizada.
4. ¿Cuál es el valor al vencimiento de un crédito por $50.000, si se fija una tasa del
J(4)=10% para los primeros dos años y del J(2)=12% para los siguientes tres años?
𝑆 = 𝐶(1 + 𝑖)𝑛
𝑖𝑚𝑝𝑙𝑖𝑐𝑎
⇒ 𝑆 = 50.000(1 + 0.025)8
(1 + 0.06)6
= 86.416.39
5. ¿Qué tasa de interés nominal pagó un banco por un depósito de ¢220.000, si después
de un año, se acumularon ¢237.952 y los intereses se capitalizaron semestralmente?
237.952 = 220.000(1 + 𝑖)2
Lo anterior como ecuación en la calculadora científica o en Excel en las funciones
financieras como TASA.
O bien despejando la i:
𝑖 = √
237.952
220.000
− 1 = 0.04 = 4% 𝑠𝑒𝑚𝑒𝑠𝑡𝑟𝑎𝑙 𝑒𝑓𝑒𝑐𝑡𝑖𝑣𝑜
Dado que se pide la nominal:
𝐽(2) = 4% ∗ 2 = 8%
2. 6. ¿Cuánto tiempo se requiere para que con un capital de 400.000 se acumulen 475.500,
si le pagan intereses del 10% convertible trimestralmente?
475.500 = 400.000(1 + 0.025)𝑛
𝑑𝑒 𝑑𝑜𝑛𝑑𝑒 𝑛 = 7 𝑡𝑟𝑖𝑚𝑒𝑠𝑡𝑟𝑒𝑠 = 1 𝑎ñ𝑜 𝑦 9 𝑚𝑒𝑠𝑒𝑠
O bien: 𝑛 =
log(
475.500
400.000
)
log(1+0.025)
= 7
7. Una empresa invierte ¢850.000 en un depósito a un plazo de 2 años. Finalizado el
plazo, la empresa obtiene una ganancia por concepto de intereses de ¢175.581.66. ¿Qué
tasa de interés nominal le pagaron, si los intereses se capitalizaron trimestralmente?
1.025.581.66 = 850.000(1 + 𝑖)8
O bien: 𝑖 = √
1.025.581.66
850.000
8
− 1 = 2.375% 𝑡𝑟𝑖𝑚𝑒𝑠𝑡𝑟𝑎𝑙
𝑖𝑚𝑝𝑙𝑖𝑐𝑎
⇒ 𝐽(4) = 9.50%
8. Si se ofrece en el Sistema Financiero una tasa de interés del 12% convertible
bimestralmente, se puede afirmar, que se ofrece una tasa efectiva del 2% bimestral?
R/ Es verdadero, ya que la nominal entre los periodos de capitalización anual es la tasa
efectiva; es decir:
𝑖𝑏 =
12%
6
= 2%
9. Determine el valor futuro o acumulado de una inversión de 30.500 a tres y medio años
plazo con intereses del 6% capitalizable bimestralmente.
𝑆 = 30.500(1 + 0.01)21 = 37.587.95
10. ¿Cuál es el valor acumulado o futuro de un crédito por 700.000 a un plazo de dos
años y medio, si le fijan intereses del 18% capitalizable mensualmente?
𝑆 = 700.000(1 + 0.015)30
= 1.094.156.15
ELABORADA POR : RICARDO MACHADO FALLAS