The Time Value of
Money: Future Value
and Present Value
Computations
"If I deposit $10,000 today, how much will I have for a down payment on a house in five years?"
"Will $2,000 saved a year give me enough money when I retire?"
"How much must I save today to have enough for my children's post-secondary education?"
As introduced in Chapter 1 and used to measure financial opportunity costs in other chapters,
the time value of money, more commonly referred to as interest, is the cost of money that is bor-
rowed or lent. Interest can be compared to rent, the cost of using an apartment or other item.
The time value of money is based on the fact that a dollar received today is worth more than a
dollar that will be received one year from today because the dollar received today can be saved
or invested and will be worth more than a dollar a year from today Similarly, a dollar that will
be received one year from today is currently worth less than a dollar today.
The time value of money has two major components: future value and present value. Future
value computations, which are also referred to as compounding, yield the amount to which a
current sum will increase based on a certain interest rate and period of time, Present value,
which is calculated through a process called discounting, is the current value of a future sum
based on a certain interest rate and period of time.
In future value problems, you are given an amount to save or invest and you calculate the
amount that will be available at some future date. With present value problems, you are given the
amount that will be available at some future date and you calculate the current value of that amount
Both future value and present value computations are based on basic interest rate calculations.
FINANCIAL CALCULATORS
Currently, financial calculators, with time value of money functions built in, are widely used to
calculate future value, present values, and annuities, For the following examples, we will use the
Texas Instruments BA II Plus financial calculator, which is recommended by the Canadian
Institute of Financial Planning.
When using the BA II Plus calculator to solve time value of money problems, you will be
working with the TVM keys that include:
CPT — Compute key used to initiate financial calculations once all values are inputted
— Number of periods
— Interest rate per period
— Present value
PMT — Amount of payment, used only for annuities
— Future value
Enter values for PV, PMT, and FV as negative if they represent cash outflows (e.g., investing
a sum of money) or as positive if they represent cash inflows (e.g., receiving the proceeds of an
investment). To convert a positive number to a negative number, enter the number and then
press the +/— key.
37
Part 1 PLANNING YOUR PERSONAL FINANCES
The examples that are shown in this chapter assume that interest is compounded
annually and that there is only one cash flow per p ...
0132994879/.DS_Store
__MACOSX/0132994879/._.DS_Store
0132994879/Appendix.pdf
A-1
Using a Calculator
As you prepare for a career in business, the ability to use a financial calculator is essential,
whether you are in the finance division or the marketing department. For most positions,
it will be assumed that you can use a calculator in making computations that at one time
were simply not possible without extensive time and effort. The following examples let us
see what is possible, but they represent only the beginning of using the calculator in finance.
With just a little time and effort, you will be surprised at how much you can do with
the calculator, such as calculating a stock’s beta, or determining the value of a bond on a
specific day given the exact date of maturity, or finding net present values and internal rates
of return, or calculating the standard deviation. The list is almost endless.
In demonstrating how calculators may make our work easier, we must first decide which
calculator to use. The options are numerous and largely depend on personal preference.
We have chosen the Texas Instruments BA II Plus and the Hewlett-Packard 10BII.
We will limit our discussion to the following issues:
I. Introductory Comments
II. An Important Starting Point
III. Calculating Values for:
A. Future value of $1
B. Present value of $1
C. Future value of an annuity of $1 for n periods
D. Present value of an annuity of $1 for n periods
IV. Calculating Present Values
V. Calculating Future Values (compound sum)
VI. Calculating the Number of Payments or Receipts
VII. Calculating the Payment Amount
VIII. Calculating the Interest Rate
IX. Bond Valuation
A. Computing the value of a bond
B. Calculating the yield to maturity of a bond
X. Computing the Net Present Value and Internal Rate of Return
A. Where future cash flows are equal amounts in each period (annuity)
B. Where future cash flows are unequal amounts in each period
I. Introductory Comments
In the examples that follow, you are told (1) which keystrokes to use, (2) the resulting ap-
pearance of the calculator display, and (3) a supporting explanation.
The keystrokes column tells you which keys to press. The keystrokes shown in a white
box tell you to use one of the calculator’s dedicated or “hard” keys. For example, if + /- is
shown in the keystrokes instruction column, press that key on the keyboard of the calcula-
tor. With the Texas Instruments BA II Plus, to use a function printed in a shaded box above
a dedicated key, always press the shaded key 2nd first, then the function key. The HP 10BII
has two shift keys, one purple (PRP) and one orange (ORG). To use the functions printed
in purple (stats) on the keypad, press the purple button first. To use the functions printed
in orange (shift) on the keypad, press the orange button first.
Appendix A
A-2 Appendix A
I I . A n I m p o r t A n t S t A r t I n g p o I n t - t e x A S I n S t r u m e n t ...
Time lines
Future value / Present value of lump sum
FV / PV of annuity
Perpetuities
Uneven CF stream
Compounding periods
Nominal / Effective / Periodic rates
Amortization
Quiz #2This Quiz counts for 15 of the course grade. Make s.docxcatheryncouper
Quiz #2
This Quiz counts for 15% of the course grade. Make sure you SHOW ALL WORK and LABEL IT CLEARLY. You MUST provide financial calculator inputs AND the answer. Answer-Only responses, even if correct, WILL NOT receive full credit.
Part 1 (12 points) __________
1. If we know the amount for which a coin was purchased thirty (30) years ago, and the annual rate at which its value has grown, finding the VALUE TODAY is a:
a. Future Value (FV) calculation
b. Present Value (PV) calculation
c. Annuity Calculation (because the growth rate remains constant for each of the fifty years)
d. A Perpetuity (because the present value of any sum fifty years out has VERY LITTLE PV)
2. Monthly principal and interest payments under a loan contract with a fixed interest rate and under which the loan will be paid down to $0 after the last payment; with payments beginning ONE MONTH AFTER the borrower gets the Loan Proceeds are in the form of:
a. A Perpetuity
b. A Consol
c. An Annuity DUE
d. An ORDINARY Annuity
3. The button on the TVM row on a financial calculator which is NOT USED in a simple lump sum FUTURE VALUE problem is:
a. the Present Value (PV) key
b. the Future Value (FV) key
c. the Interest Rate (I/Y) key
d. the Payment (PMT) key
e. the Number of Periods (N) key
4. Which one of the following will increase the PRESENT VALUE of a lump sum future amount? Assume the interest rate is a positive value and all interest is reinvested.
a. increase in the time period
b. increase in the rate of return
c. decrease in the future value
d. decrease in the rate of return
5. Which of the following statements is TRUE?
a. In an annuity due there is one less “interest” period than in an ordinary annuity
b. For the same stream of Cash Flows (CFs), the future value of an annuity due is GREATER THAN the future value of an ordinary annuity.
c. The “default assumption” with annuity CFs is that they take the form of an annuity due.
6. Which one of the following statements is correct?
a. The present value of an annuity increases when the interest rate increases.
b. The present value of an annuity is unaffected by the number of the annuity payments.
c. The future value of an annuity is unaffected by the amount of each annuity payment.
d.The present value of an annuity increases when the interest rate decreases.
7. The future value of a series of Cash Flows over time can be computed by:
a. computing the future value of the average cash flow and multiplying that amount by the number of cash flows.
b. summing the amount of each of the individual cash flows and multiplying the summation by (1 + r)t, where t equals the total number of cash flows.
c.summing the future values of each of the individual cash flows.
d. discounting each of the individual cash flows and summing the results.
8. ( TRUE or FALSE ) In a “pure discount” Loan, the borrower receives the full amount of the Loan Note at ori ...
Chapter 5 5-1 Future Value Compute the future value in y.docxchristinemaritza
Chapter 5
5-1 Future Value Compute the future value in year 9 of a $2,000 deposit in year 1 and another $1,500 deposit at the end of year 3 using a 10 percent interest rate. (LG5-1) LEARNING GOALS
LG5-1 Compound multiple cash flows to the future.
Finding the Future Value of Several Cash Flows LG5-1
Consider the following contributions to a savings account over time. You make a $100 deposit today, followed by a $125 deposit next year, and a $150 deposit at the end of the second year. If interest rates are 7 percent, what’s the future value of your deposits at the end of the third year? The time line for this problem is illustrated as:
i
Note that the first deposit will compound for three years. That is, the future value in year 3 of a cash flow in year 0 will compound 3 (= 3 − 0) times. The deposit at the end of the first year will compound twice (= 3 − 1). In general, a deposit in year m will compound N− m times for a future value in year N. We can find the total amount at the end of three years by computing the future value of each deposit and then adding them together. Using the future value equation from Chapter 4, the future value of today’s deposit is $100 × (1 + 0.07)3 = $122.50. Similarly, the future value of the next two deposits are $125 × (1 + 0.07)2 = $143.11 and $150 × (1 + 0.07)1 = $160.50, respectively.
Putting these three individual future value equations together would yield:
FV3 = $100 × (1 + 0.07)3 + $125 × (1 + 0.07)2 + $150 × (1 + 0.07)1 = $426.11
The general equation for computing the future value of multiple and varying cash flows (or payments) is:
In this equation, the letters m, n, and p denote when the cash flows occur in time. Each deposit can be different from the others.
5-3 Future Value of an Annuity what is the future value of a $900 annuity payment over five years if interest rates are 8 percent? (LG5-2) Compute the future value of frequent, level cash flows.
Future Value of Level Cash Flows LG5-2
Now suppose that each cash flow is the same and occurs every year. Level sets of frequent cash flows are common in finance—we call them annuities. The first cash flow of an annuity occurs at the end of the first year (or other time period) and continues every year to the last year. We derive the equation for the future value of an annuity from the general equation for future value of multiple cash flows, equation 5-1. Since each cash flow is the same, and the cash flows are every period, the equation appears as:
FVAN = Future value of first payment
× Future value of second payment + ··· + Last payment
= PMT × (1 + i)N−1 + PMT
× (1 + i)N−2 + PMT × (1 + i)N−3 + ··· + PMT(1 + i)0
The term FVA is used to denote that this is the future value of an annuity. Factoring out the common level cash flow, PMT, we can summarize and reduce the equation as:
annuity A stream of level and frequent cash flows paid at the end of each time period—often referred to as an ordinary annuity.
Suppose that ...
Please read the case Fraud at WorldCom in the book provided below .docxchristalgrieg
Please read the case Fraud at WorldCom in the book provided below (chapter 13) Page 310
And answer the following questions
1. What is the dilemma?
2. Do shareholders have de facto control over managers? What decisions do shareholders typically make? Please explain
One double-spaced page.
.
Please read the below two discussion posts and provide the response .docxchristalgrieg
Please read the below two discussion posts and provide the response for each discussion in 75 to 100 words.
Post#1
Nowadays, there are numerous advancements in technology. As a result, the traditional workplace has gradually transformed with home offices and virtual workplaces where employees can hold meetings using video teleconferencing tools and communicate through email and other applications such as Slack (Montrief, et al., 2020). This makes the cloud more busy which brings up the need for improved cloud security.
Generally, in a public cloud, there exists a shared responsibility between the user and the Cloud Service Provider (CSP). Due to the rise of cyber-related crimes over the years, security for things like data classification, network controls and physical security need clear owners. The division of such responsibilities is called shared responsibility model for cloud security. “According to Amazon Web Services (AWS), security responsibility is shared by both CSP and CSC and they called it as Shared Security Responsible Model” (Kumar, Raj, & Jelciana, 2018). “While client and endpoint protection, identity and access management and application level controls are a shared responsibility the responsibility resides largely with the client organization” (Lane, Shrestha, & Ali, 2017). However, the responsibilities may vary depending on the cloud service provider and the cloud environment the user is using to operate. Nevertheless, despite the cloud services used, the burden of protecting data lays upon the user.
Normally, security is broken down into two broad categories: security of the cloud and security in the cloud. Security of the cloud is a section of the shared responsibility model handled by the cloud service provider. It comprises of hardware, host operating systems and physical security of the infrastructure. Most of these logistical challenges are offloaded when an organization moves its operations to the cloud. In contrast, security in the cloud is the security responsibility handled by the user. “The cloud service customer is responsible for securing and managing the applications that run in the cloud, the operating systems, data-at-rest, data-in-transit, policies and other responsibilities” (Bennett & Robertson, 2019). Since access to customer data remains the most critical component in cloud computing, it also determined the level of security in the cloud to be implemented by the customer.
The customer is responsible for the following components. First, the customer is responsible for data security. While the provider is responsible for automatically encrypting data in transit and in storage, the customer is expected to configure file system encryption and protection of network traffic. Secondly, the customer is responsible for physical security of computers and other devices used to access the cloud. Thirdly, the customer is responsible for application security. Security of manag.
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0132994879/.DS_Store
__MACOSX/0132994879/._.DS_Store
0132994879/Appendix.pdf
A-1
Using a Calculator
As you prepare for a career in business, the ability to use a financial calculator is essential,
whether you are in the finance division or the marketing department. For most positions,
it will be assumed that you can use a calculator in making computations that at one time
were simply not possible without extensive time and effort. The following examples let us
see what is possible, but they represent only the beginning of using the calculator in finance.
With just a little time and effort, you will be surprised at how much you can do with
the calculator, such as calculating a stock’s beta, or determining the value of a bond on a
specific day given the exact date of maturity, or finding net present values and internal rates
of return, or calculating the standard deviation. The list is almost endless.
In demonstrating how calculators may make our work easier, we must first decide which
calculator to use. The options are numerous and largely depend on personal preference.
We have chosen the Texas Instruments BA II Plus and the Hewlett-Packard 10BII.
We will limit our discussion to the following issues:
I. Introductory Comments
II. An Important Starting Point
III. Calculating Values for:
A. Future value of $1
B. Present value of $1
C. Future value of an annuity of $1 for n periods
D. Present value of an annuity of $1 for n periods
IV. Calculating Present Values
V. Calculating Future Values (compound sum)
VI. Calculating the Number of Payments or Receipts
VII. Calculating the Payment Amount
VIII. Calculating the Interest Rate
IX. Bond Valuation
A. Computing the value of a bond
B. Calculating the yield to maturity of a bond
X. Computing the Net Present Value and Internal Rate of Return
A. Where future cash flows are equal amounts in each period (annuity)
B. Where future cash flows are unequal amounts in each period
I. Introductory Comments
In the examples that follow, you are told (1) which keystrokes to use, (2) the resulting ap-
pearance of the calculator display, and (3) a supporting explanation.
The keystrokes column tells you which keys to press. The keystrokes shown in a white
box tell you to use one of the calculator’s dedicated or “hard” keys. For example, if + /- is
shown in the keystrokes instruction column, press that key on the keyboard of the calcula-
tor. With the Texas Instruments BA II Plus, to use a function printed in a shaded box above
a dedicated key, always press the shaded key 2nd first, then the function key. The HP 10BII
has two shift keys, one purple (PRP) and one orange (ORG). To use the functions printed
in purple (stats) on the keypad, press the purple button first. To use the functions printed
in orange (shift) on the keypad, press the orange button first.
Appendix A
A-2 Appendix A
I I . A n I m p o r t A n t S t A r t I n g p o I n t - t e x A S I n S t r u m e n t ...
Time lines
Future value / Present value of lump sum
FV / PV of annuity
Perpetuities
Uneven CF stream
Compounding periods
Nominal / Effective / Periodic rates
Amortization
Quiz #2This Quiz counts for 15 of the course grade. Make s.docxcatheryncouper
Quiz #2
This Quiz counts for 15% of the course grade. Make sure you SHOW ALL WORK and LABEL IT CLEARLY. You MUST provide financial calculator inputs AND the answer. Answer-Only responses, even if correct, WILL NOT receive full credit.
Part 1 (12 points) __________
1. If we know the amount for which a coin was purchased thirty (30) years ago, and the annual rate at which its value has grown, finding the VALUE TODAY is a:
a. Future Value (FV) calculation
b. Present Value (PV) calculation
c. Annuity Calculation (because the growth rate remains constant for each of the fifty years)
d. A Perpetuity (because the present value of any sum fifty years out has VERY LITTLE PV)
2. Monthly principal and interest payments under a loan contract with a fixed interest rate and under which the loan will be paid down to $0 after the last payment; with payments beginning ONE MONTH AFTER the borrower gets the Loan Proceeds are in the form of:
a. A Perpetuity
b. A Consol
c. An Annuity DUE
d. An ORDINARY Annuity
3. The button on the TVM row on a financial calculator which is NOT USED in a simple lump sum FUTURE VALUE problem is:
a. the Present Value (PV) key
b. the Future Value (FV) key
c. the Interest Rate (I/Y) key
d. the Payment (PMT) key
e. the Number of Periods (N) key
4. Which one of the following will increase the PRESENT VALUE of a lump sum future amount? Assume the interest rate is a positive value and all interest is reinvested.
a. increase in the time period
b. increase in the rate of return
c. decrease in the future value
d. decrease in the rate of return
5. Which of the following statements is TRUE?
a. In an annuity due there is one less “interest” period than in an ordinary annuity
b. For the same stream of Cash Flows (CFs), the future value of an annuity due is GREATER THAN the future value of an ordinary annuity.
c. The “default assumption” with annuity CFs is that they take the form of an annuity due.
6. Which one of the following statements is correct?
a. The present value of an annuity increases when the interest rate increases.
b. The present value of an annuity is unaffected by the number of the annuity payments.
c. The future value of an annuity is unaffected by the amount of each annuity payment.
d.The present value of an annuity increases when the interest rate decreases.
7. The future value of a series of Cash Flows over time can be computed by:
a. computing the future value of the average cash flow and multiplying that amount by the number of cash flows.
b. summing the amount of each of the individual cash flows and multiplying the summation by (1 + r)t, where t equals the total number of cash flows.
c.summing the future values of each of the individual cash flows.
d. discounting each of the individual cash flows and summing the results.
8. ( TRUE or FALSE ) In a “pure discount” Loan, the borrower receives the full amount of the Loan Note at ori ...
Chapter 5 5-1 Future Value Compute the future value in y.docxchristinemaritza
Chapter 5
5-1 Future Value Compute the future value in year 9 of a $2,000 deposit in year 1 and another $1,500 deposit at the end of year 3 using a 10 percent interest rate. (LG5-1) LEARNING GOALS
LG5-1 Compound multiple cash flows to the future.
Finding the Future Value of Several Cash Flows LG5-1
Consider the following contributions to a savings account over time. You make a $100 deposit today, followed by a $125 deposit next year, and a $150 deposit at the end of the second year. If interest rates are 7 percent, what’s the future value of your deposits at the end of the third year? The time line for this problem is illustrated as:
i
Note that the first deposit will compound for three years. That is, the future value in year 3 of a cash flow in year 0 will compound 3 (= 3 − 0) times. The deposit at the end of the first year will compound twice (= 3 − 1). In general, a deposit in year m will compound N− m times for a future value in year N. We can find the total amount at the end of three years by computing the future value of each deposit and then adding them together. Using the future value equation from Chapter 4, the future value of today’s deposit is $100 × (1 + 0.07)3 = $122.50. Similarly, the future value of the next two deposits are $125 × (1 + 0.07)2 = $143.11 and $150 × (1 + 0.07)1 = $160.50, respectively.
Putting these three individual future value equations together would yield:
FV3 = $100 × (1 + 0.07)3 + $125 × (1 + 0.07)2 + $150 × (1 + 0.07)1 = $426.11
The general equation for computing the future value of multiple and varying cash flows (or payments) is:
In this equation, the letters m, n, and p denote when the cash flows occur in time. Each deposit can be different from the others.
5-3 Future Value of an Annuity what is the future value of a $900 annuity payment over five years if interest rates are 8 percent? (LG5-2) Compute the future value of frequent, level cash flows.
Future Value of Level Cash Flows LG5-2
Now suppose that each cash flow is the same and occurs every year. Level sets of frequent cash flows are common in finance—we call them annuities. The first cash flow of an annuity occurs at the end of the first year (or other time period) and continues every year to the last year. We derive the equation for the future value of an annuity from the general equation for future value of multiple cash flows, equation 5-1. Since each cash flow is the same, and the cash flows are every period, the equation appears as:
FVAN = Future value of first payment
× Future value of second payment + ··· + Last payment
= PMT × (1 + i)N−1 + PMT
× (1 + i)N−2 + PMT × (1 + i)N−3 + ··· + PMT(1 + i)0
The term FVA is used to denote that this is the future value of an annuity. Factoring out the common level cash flow, PMT, we can summarize and reduce the equation as:
annuity A stream of level and frequent cash flows paid at the end of each time period—often referred to as an ordinary annuity.
Suppose that ...
Please read the case Fraud at WorldCom in the book provided below .docxchristalgrieg
Please read the case Fraud at WorldCom in the book provided below (chapter 13) Page 310
And answer the following questions
1. What is the dilemma?
2. Do shareholders have de facto control over managers? What decisions do shareholders typically make? Please explain
One double-spaced page.
.
Please read the below two discussion posts and provide the response .docxchristalgrieg
Please read the below two discussion posts and provide the response for each discussion in 75 to 100 words.
Post#1
Nowadays, there are numerous advancements in technology. As a result, the traditional workplace has gradually transformed with home offices and virtual workplaces where employees can hold meetings using video teleconferencing tools and communicate through email and other applications such as Slack (Montrief, et al., 2020). This makes the cloud more busy which brings up the need for improved cloud security.
Generally, in a public cloud, there exists a shared responsibility between the user and the Cloud Service Provider (CSP). Due to the rise of cyber-related crimes over the years, security for things like data classification, network controls and physical security need clear owners. The division of such responsibilities is called shared responsibility model for cloud security. “According to Amazon Web Services (AWS), security responsibility is shared by both CSP and CSC and they called it as Shared Security Responsible Model” (Kumar, Raj, & Jelciana, 2018). “While client and endpoint protection, identity and access management and application level controls are a shared responsibility the responsibility resides largely with the client organization” (Lane, Shrestha, & Ali, 2017). However, the responsibilities may vary depending on the cloud service provider and the cloud environment the user is using to operate. Nevertheless, despite the cloud services used, the burden of protecting data lays upon the user.
Normally, security is broken down into two broad categories: security of the cloud and security in the cloud. Security of the cloud is a section of the shared responsibility model handled by the cloud service provider. It comprises of hardware, host operating systems and physical security of the infrastructure. Most of these logistical challenges are offloaded when an organization moves its operations to the cloud. In contrast, security in the cloud is the security responsibility handled by the user. “The cloud service customer is responsible for securing and managing the applications that run in the cloud, the operating systems, data-at-rest, data-in-transit, policies and other responsibilities” (Bennett & Robertson, 2019). Since access to customer data remains the most critical component in cloud computing, it also determined the level of security in the cloud to be implemented by the customer.
The customer is responsible for the following components. First, the customer is responsible for data security. While the provider is responsible for automatically encrypting data in transit and in storage, the customer is expected to configure file system encryption and protection of network traffic. Secondly, the customer is responsible for physical security of computers and other devices used to access the cloud. Thirdly, the customer is responsible for application security. Security of manag.
Please read the below discussion post and provide response in 75 to .docxchristalgrieg
Please read the below discussion post and provide response in 75 to 100 words
Post#1
Cloud security plays an important role in every field like business and personal world. With a large number of benefits it has some myths also. Cloud security is solely the cloud provider’s responsibility: a standard misconception is that the cloud provider automatically takes care of all the safety needs of the customer’s data and process while in the cloud. Password policies, release management for software patches, management of user roles, security training of staff, and data management policies are all responsibilities of the purchasers and a minimum of as critical because the security is done by the general public cloud provider. While users are hardening internal security, don’t assume that cloud provider backs up data and will be able to restore it just in case of a security breach. It is instrumental and important that users simply implement a backup solution that backs up data that's hosted on the cloud to an onsite backup or to a different cloud provider. In addition, in case of a security breach, user will get to restore data from backups. “There is indeed a good case to make for fair taxation and that uneven effective tax rates can distort competition and lead to smaller tax revenues” (Bauer, 2018).
Don’t get to manage the cloud: many people believe that since the cloud infrastructure is usually basically just a managed service, that the safety of the services is additionally managed. Many cloud based systems are left inadvertently unsecured because the customer doesn't know that they have to try to something to secure them, as they assume that the provider has done what an in-house staff would traditionally have done by default. Cloud security requires an equivalent discipline for security of any data center. Cloud data centers are as resilient as any, but the weakness comes if the policies, processes and tools aren’t regularly monitored by the IT operations staff responsible (Determann, 2016).
Ignore BYOD and be more secure: not supporting and implementing a BYOD policy does not mean an enterprise will be less at risk of a data breach, SVP of cloud and hosting sales. The BYOD movement is here to stay. Some experts recommend deploying a mobile content management (MCM) solution, as protecting the data will be what ultimately defines business’ security and compliance requirements. “Despite the Australian Federal Government's ‘cloud-first’ strategy and policies, and the Queensland State Government's ‘digital-first’ strategy, cloud services adoption at local government level has been limited—largely due to data security concerns” (Ali, Shrestha, Chatfield, & Murray, 2020). Cloud data isn’t saved on mobile devices: I still hear people speaking about cloud deployment as if using this service means users are not saving any enterprise data on mobile devices, which this might make device data protection a moot point. Apps that are connecting to de.
Please read the assignment content throughly Internet Resources .docxchristalgrieg
Please read the assignment content throughly
Internet Resources Chart [due Mon]
Assignment Content
Create
a chart of Internet-based resources for early childhood literacy development.
Include
at least two different resources for each of the following topics:
Oral language
Environmental print
Morphemic analysis
Spelling
Vocabulary
Summarize
each resource. A total of 700 words should be used in the chart.
Submit
your assignment.
.
Please read the article by Peterson (2004). Your responses to th.docxchristalgrieg
Please read the article by Peterson (2004). Your responses to the following questions must be typed. Please be sure to include an APA-style citation
1. What is the purpose of this review paper
2. Describe
Incidental teaching
Mand-model
Time delay
Milieu language teaching
How are they the same?
How are they different?
3. What is discrete trial training? How is naturalistic teaching different?
4. What is generalization in language acquisition? How does naturalistic teaching promote generalization in language acquisition?
5. What were the conclusions of this review?
6. Be sure to provide and APA-style source citation for Peterson (2004) at the end of your paper
.
Please read the article which appears below. Write and submit an.docxchristalgrieg
Please read the article which appears below. Write and submit an
600 word report.
There is no right or wrong answer. Your report will be graded on your understanding of the problem of teenagers in high school having babies - and the attitude of the teens - whether you agree or disagree it is a good idea for the school to open a day care center to help these mothers (tell us why you agree or disagree), whether you agree or disagree with the teacher who wrote this article - tell us why you agree or disagree - why sociologists might want to study problems like this one, what sociologists might be able to contribute to solving problems like the one described . Link your answer to material we are studying. How well you express yourself - grammatical construction - spelling - is important. Maybe you can't make up your mind about this article. That's OK too. But it is important that you explain WHY.
Material you studied about agents of social change, primary and secondary groups in the chapters on
Culture - Socialization- Social Interaction - Social Structures - Groups and Organizations- should give you lots of ideas for your assignment.
They're Having Babies. Are We Helping?
By Patrick Welsh
The girls gather in small groups outside Alexandria's T.C. Williams High School most mornings, standing with their babies on their hips, talking and giggling like sorority sisters. Sometimes their mothers drop the kids (and their kids) off with a carefree smile and a wave. As I watch the girls carry their children into the Tiny Titans day-care center in our new $100 million building, I can't help wondering what Sister Mary Avelina, my 11th-grade English teacher, would have thought.
Okay, I'm an old guy from the 1950s, an era light-years from today. But even in these less censorious times, I'm amazed -- and concerned -- by the apparently nonchalant attitude both these girls and their mothers exhibit in front of teachers, administrators and hundreds of students each day. Last I heard, teen pregnancy is still a major concern in this country -- teenage mothers are less likely to finish school and more likely to live in poverty; their children are more likely to have difficulties in school and with the law; and on and on.
But none of that seems to register with these young women. In fact, "some girls seem to be really into it," says T.C. senior Mary Ball. "They are embracing their pregnancies." Nor is the sight of a pregnant classmate much of a surprise to the students at T.C. anymore. "When I was in middle school, I'd be shocked to see a pregnant eighth-grader," says Ball. "Now it seems so ordinary that we don't even talk about it."
Teenage pregnancy has been bright on American radar screens for the past year: TV teen starlet Jamie Lynn Spears's pregnancy caused a minor media storm last December. The pregnant-teen movie "Juno" won Oscar nods. And there was Bristol Palin, daughter of Alaska Gov. Sarah Palin, bringing the issue front and center d.
Please Read instructions Role Model LeadersChoose one • 1 .docxchristalgrieg
Please Read instructions
Role Model Leaders
Choose one • 1 point
In a study by Kouzes and Posner, who was identified as the person that the majority of people would select as their most important role model for leadership?
Teacher or coach
Business leader
Family member
Community or religious leader
QUESTION 2
Five Practices
Choose one • 1 point
Which of the following is
not
one of the Five Practices of Exemplary Leadership?
Model the Way
Leave a Legacy
Encourage the Heart
Enable Others to Act
QUESTION 3
Organizational Behavior
Choose one • 1 point
Organizational Behavior is a defined business function that has nothing to do with human behavior.
True
False
QUESTION 4
Leader and Constituents
Choose one • 1 point
What strengthens and sustains the relationship between leader and constituents is that leaders are:
Obsessed with what is best for others, not themselves
Obsessed with what is best for making the most money for themselves
Obsessed with what is best for themselves, not others
Obsessed with what is best for the business, not others
QUESTION 5
The Most Fundamental Truth
Choose one • 1 point
According to Kouzes and Posner, which of the Ten Truths about Leadership is the most fundamental truth of all?
Credibility is the Foundation of Leadership
Challenge is the Crucible for Greatness
You Can’t Do It Alone
You Make a Difference
QUESTION 6
Credibility
Choose one • 1 point
A culture of leadership ______________ and ______________ is created when people at all levels genuinely expect each other to be credible, and they hold each other accountable for the actions that build and sustain credibility.
Excellence and integrity
Independence and coerciveness
Confidence and charisma
Dissatisfaction and distrust
QUESTION 7
Organizational Behavior
Choose one • 1 point
The study of Organizational Behavior helps us to understand organizational culture, power, and political behavior.
True
False
QUESTION 8
Organization’s vision and values
Choose one • 1 point
Who is the person that has the most influence over your desire to stay or leave an organization, and your commitment to the organization’s vision and values?
CEO
Co-workers
Board of Directors
Your most immediate manager
QUESTION 9
Willingly Follow
Choose one • 1 point
In a survey by Kouzes and Posner, which of the following characteristics scored the highest that people looked for in someone that they would be willing to follow:
Independent
Supportive
Honest
Straightforward
QUESTION 10
Expectation of Leaders
Choose one • 1 point
In addition to the three factors that measure source credibility, the vast majority of constituents have one other expectation of leaders. They expect leaders to be:
Admired
Forward-looking
Independent
Enthusiastic
QUESTION 11
Leadership is a Relationship
Choose one • 1 point
Leadership is a relationship between those who aspire to lead and those who are learning to lead
.
Tru.
Please read each attachment for instructions, please answer each q.docxchristalgrieg
Please read each attachment for instructions, please answer each question all 8 with an answer after reading each attachment. Do not answer each question in a running paragraph. question/answer in at least 200 -300 word detailed with references from attachments and one extra where needed.
I do not have a second chance to correct
Activity: Counseling Immigrants
Instructions:
This activity is composed of three parts. In order to complete part I, you must read the article “Counseling Haitian Students and their Families: Issues and Interventions.” In order to complete part II, you must read the “APA Immigration Report Executive Summary,” and in order to complete part III, you must read “Counseling Model for Immigrants.”
Part I
1) Explain the differences between what parents are expected to do in American schools and what parents are expected to do in Haitian schools.
2) Why did Jean’s parents did not seek contact with teachers?
3) Haitian students face significant prejudice from teachers and classmates based on their race, the negative image of voudou, their former classification as a high-risk group for AIDS, and the violence and corruption of Haiti’s domestic politics. Name the interventions suggested by Joseph (1984).
Part II
1. The United States today has approximately _______ million immigrants—the largest number in its history. As a nation of immigrants, the United States has successfully negotiated larger proportions of newcomers in its past (______% in 1910 vs. _____% today). Notably, nearly _________ ____________of the foreign-born are naturalized citizens or authorized noncitizens.
2. Nearly a ___________ of children under the age of 18 have an immigrant __________.
3. One third of the foreign-born population in the United States is from ________, and a total of _______% originate from Latin America (U.S. Census Bureau, 2010).The four states with the largest numbers of immigrants (California, __________, New Mexico, and _________) have already become “majority/minority” (______ than ________% White) states (U.S. Census Bureau, 2011a).
4. Immigrants arrive in the United States with varied levels of education. At one end of the spectrum are highly educated immigrant adults (Portes & Rumbaut, 2006) who comprise a ___________ of all U.S. __________, ________% of the nation’s __________ and ____________ workers with bachelor’s degrees, and _______% of scientists with ______________.
5. An estimated ________ languages are currently spoken in homes in the United States.
6. Psychological acculturation refers to the dynamic process that immigrants experience as they __________ to the culture of the new country.
7. The constellation of presenting issues for immigrants tends to fall within the areas of _________________- based presenting problems, __________-based presenting problems, and _________________, ____________, and ______________–based problems.
8. To increase the accessibility and efficacy of services, clinicians and p.
PLEASE READ BEFORE STARTING! 500 WORD PAPER ONLY USING THE NOTES I.docxchristalgrieg
**PLEASE READ BEFORE STARTING! 500 WORD PAPER ONLY USING THE NOTES I HAVE PROVIDED BELOW. ESSAY QUESTION IS RIGHT BELOW AS WELL.**
Three common approaches to understanding leading – traits, behaviors, and situational or contingency approaches - may or may not be effective in leading/managing a healthcare program. Briefly summarize each and its appropriateness for healthcare management.
Health Program Management (Longest, 2015)
“Leading effectively means influencing participants to make contributions that help accomplish the mission and objectives established for a program.” (Longest, 2015, p. 139)
Traits approach
“Based on the proposition that traits - encompassing skills, abilities, or characteristics - inherent in some people explain why they are more effective at leading than others.” (Longest, 2015, p. 140)
Kirkpatrick and Locke (1991, 48) stated, “Key leader traits include: drive (a broad term which includes achievement, motivation, ambition, energy, tenacity, and initiative); leadership, motivation (the desire to lead but not to seek power as an end in itself); honesty and integrity; self-confidence (which is associated with emotional stability); cognitive ability; and knowledge.” (as cited in Longest, 2015, p. 140)
Behaviors approach
“Traits cannot fully explain effectively leading, is based on the assumption that particular behaviors or sets of behaviors that make up a style of leading might be associated with success in leading.” (Longest, 2015, p. 140)
Planning, clarifying, monitoring, problem solving, supporting, recognizing, developing, empowering, advocating change, envisioning change, encouraging innovation, facilitating collective learning, networking, external monitoring, representing (Longest, 2015, p. 142)
Tannenbaum and Schmidt’s continuum of leader styles model: (Longest, 2015, p. 147)
Autocratic leaders - makes decisions and announces them to other participants
Consultative leaders - convince other participants of the correctness of a decision by carefully explaining the rationale for the decision and its effect on the other participants and on the program
Participative leaders - present tentative decisions that will be changed in other participants can make a convincing case for different decisions
Democratic leaders - define the limits of the situation and problem to be solved and permit other participants to make the decision
Laissez-faire leaders - permit other participants to have great discretion in decision making
“Leaders must adapt and change styles to fit different situations.” (Longest, 2015, p. 147)
“An autocratic style might be appropriate in certain clinical situations in programs where work frequently involves a high degree of urgency. But this style could be disastrous in other situations, such as when a manager must decide how to offer a new service in a program or improve communication with participants.” (Longest, 2015, p. 147)
Situational/Contingency approach
“.
Please read Patricia Benners Five Stages of Proficiency. Explai.docxchristalgrieg
Please read Patricia Benner's Five Stages of Proficiency. Explain the importance of this theory through a nurse's perspective. No references are required. Your summary should be at least 300 words using good spelling and grammar. Can be single or double spaced.
Attached Files:
Dr. Patricia Benner is a nursing theorist who first developed a model for the stages of clinical competence in her classic book “From Novice to Expert: Excellence and Power in Clinical Nursing Practice”. Her model is one of the most useful frameworks for assessing nurses’ needs at different stages of professional growth. She is the Chief Faculty Development Officer for Educating Nurses, the Director of the Carnegie Foundation for the Advancement of Teaching National Nursing Education and honorary fellow of the Royal College of Nursing.
Dr. Benner was born in Hampton, Virginia, and received her bachelor’s degree in Nursing from Pasadena College in 1964, and later a master’s degree in Medical-Surgical Nursing from the University of California, Berkeley. After completing her doctorate in 1982, she became an Associate Professor in the Department of Physiological Nursing at the University of California, San Francisco. Dr. Benner is an internationally known lecturer and researcher on health, and her work has influenced areas of clinical practice as well as clinical ethics.
This nursing theory proposes that expert nurses develop skills and understanding of patient care over time through a proper educational background as well as a multitude of experiences. Dr. Benner’s theory is not focused on how to be a nurse, rather on how nurses acquire nursing knowledge – one could gain knowledge and skills (“knowing how”), without ever learning the theory (“knowing that”). She used the Dreyfus Model of Skill Acquisition as a foundation for her work. The Dreyfus model, described by brothers Stuart and Hubert Dreyfus, is a model based on observations of chess players, Air Force pilots, army commanders and tank drivers. The Dreyfus brothers believed learning was experiential (learning through experience) as well as situation-based, and that a student had to pass through five very distinct stages in learning, from novice to expert.
Dr. Benner found similar parallels in nursing, where improved practice depended on experience and science, and developing those skills was a long and progressive process. She found when nurses engaged in various situations, and learned from them, they developed “skills of involvement” with patients and family. Her model has also been relevant for ethical development of nurses since perception of ethical issues is also dependent on the nurses’ level of expertise. This model has been applied to several disciplines beyond clinical nursing, and understanding the five stages of clinical competence helps nurses support one another and appreciate that expertise in any field is a process learned over time.
Dr. Benner’s Stages of Clinical Competence
Stage 1 Novice: .
***************Please Read Instructions **************
OBJECTIVES:
Use personal influence with a group or team.
Identify the behaviors that exemplify the leadership truths.
Understand the stages of team development.
Explain how motivation impacts performance.
GOAL:
The purpose of this assignment is to provide an opportunity to express understanding of content associated with the chapters covered in Week Two (
Values Drive Commitment
,
Focusing on the Future Sets Leaders Apart
, and
You Can't Do It Alone
). For this assignment, you must use the Full Sail Online Library resources for at least one source in answering the questions. Make sure you clearly indicate which source(s) are from the online library. To access the Full Sail Library sources, go to Connect/Departments/Library. You will see a list of databases available. The library is open Monday-Friday 8:00 am - 9:00 pm and Saturday 8:00 am - 5:00 pm and can be reached at x8438.
Chapter Five
discusses the importance of
working in teams
and the
importance of emotional intelligence
in both your personal and social skills. How well are you in these areas? The goal of this week's discussion is to use the resources from this week to
develop, create, and implement a team activity with you being the leader.
INSTRUCTIONS:
First Post – due Thursday by 11:59pm EST *Due date extended due to the nature of the activity. Use this time to create an amazing activity!
Persuade at least four to eight people to do some notable activity together for at least two hours
that they would not otherwise do without your intervention. Your only restriction is that you cannot tell them why you are doing this.
The group can be any group of people: friends, family, teammates, club members, neighbors, students, or work colleagues
. It can be almost any activity
except for
watching television, eating, going to a movie, or just sitting around talking. It must be more substantial than that. Some options include a party, an organized debate, a songfest, a long hike, a visit to a museum, or volunteer work such as picking up litter, visiting a nursing home, or helping on a community project.
After completing your leadership activity, be prepared to discuss:
1. What was the activity selected?
Use specifics to describe your activity including
who attended (friends, family, co-workers, etc), location, and date. What did it feel like to make something happen in the world that would not have happened otherwise without you?
2.
Emotional Intelligence (EQ)
is important to develop to build relationships with others. How did you use EQ to empower others, listen to individual needs, and build relationships?
3. With this act of leadership,
what values did you exemplify
? (Use the
Values Drive Commitment c
hapter
concepts in your response.)
4. Were your members a group or a team? Using the
stages of team development
(Forming, Storming, Norming, Performing), describe the specific behaviors that de.
Please react to this student post. remember references and plarigari.docxchristalgrieg
Please react to this student post. remember references and plarigarism
Descending Spinal Tract
Corticospinal, reticulospinal, and vestibulospinal
Sends impulses from the brain to muscle groups
Control muscle tone, posture, and motor movements
Efferent
A
scending Spinal Tract
Spinothalamic and spinocerebellar
Sends sensory signals to accomplish complex tasks
Ascending tracts recognize exact stimulus and location
Contains fibers that discriminate rough from light touch, temperature and pain
Afferent
If the spinal cord is completely severed, then complete loss of function below the point if injury is expected (Ball, Dains, Flynn, Solomon & Stewart, 2015).
The nervous system is a group of nerves and neurons that transmit messages to different parts of the body. It is in charge of coordinating and controlling the body (Ball et al., 2015). The nervous system is divided into the central and the peripheral nervous system, further subdivided into autonomic, sympathetic and parasympathetic. The central nervous system is comprised of the brain. The peripheral nervous systems is comprised of the cranial and spinal nerves and the ascending and descending pathways (Ball et al., 2015). With all parts functioning properly the nervous system is able to receive and identify stimuli, control voluntary and involuntary body functions (Ball et al., 2015).
The three major units of the brain are the cerebrum, the cerebellum and the brainstem (Ball et al., 2015).
The difference between the ascending and descending tracts is that the ascending is sensory (afferent) because it delivers information to the brain and the descending tract delivers motor (efferent) information to the periphery (Ball et al., 2015)
The pituitary gland regulates metabolic processes and controls growth, lactation, and vasoconstriction through hormonal regulation (Ball et al., 2015).
The fourth cranial nerve is called trochlear and it is in charge of the downward and inward movement of the eye (Ball et al., 2015).
Risk factors for cerebrovascular accidents include hypertension, obesity, sedentary lifestyle, smoking, stress, high cholesterol/triglycerides/lipoproteins, congenital conditions and family history of cerebrovascular accidents (Ball et al., 2015).
The 5.07 monofilament test is used to test sensation in different parts of the foot in patients suffering from diabetes mellitus or peripheral neuropathy (Ball et al., 2015).
The 0 to 4+ scale is used to grade the response when testing the reflex. 0 indicates no response and 4+ indicates hyperactive reflex (Ball et al., 2015).
Older adults may be taking medication for other conditions that can affect their balance, mental status and coordination and it is important know this in order to rule out whether a symptom is due to a side effect or a cause for concern (Ball et al., 2015).
Meningitis that occurs during the first year may cause epilepsy later on in life, also any infection in the first year of life can impa.
Please provide the following information about your culture which is.docxchristalgrieg
Please provide the following information about your culture which is the ANCIENT EMPIRE:
Content
Introduction with a thesis statement
Provide a brief history of your culture
Explain how your chosen culture is represented in the United States
Is your culture individualistic or collectivistic? Provide at least one example
What are some of the artistic (art, music, architecture, dance) contributions of your culture?
What are some values of your culture? Provide at least three examples
Discuss your culture’s religion(s)? Include name and basic belief system of at least one of the major faiths
What are some of the sex and gender role differences in your culture? Provide at least three examples
Discuss what we would need to know to acculturate into your culture (if it is a culture from the past, what would we need to do in order to fit in during that timeframe). Provide at least one concrete suggestion
Conclusion
Specific Paper Requirements:
Four-page minimum: six-page maximum (Times New Roman, 1-inch marginsm 12-pt. font, double-spaced)
Quality of writing: Must contain in-text citations in APA format
Spelling and Grammar
Correct APA style format
A minimum of three or more credible sources (books, journal articles, magazine/newspaper articles, etc.)
Paper Outline:
Introduction
History
Cultural Context
Represented in the United States
Individualistic/Collective
Artistic
Values
Religion
Sex and Gender Roles
Acculturation
Conclusion
References
.
Please proof the paper attached and complete question 6 and 7..docxchristalgrieg
Please proof the paper attached and complete question 6 and 7.
Moore Plumbing Supply Company
Capital Structure
Mort Moore founded Moore Plumbing Supply after returning from duty in the South Pacific during World War II. Before joining the armed forces, he had worked for a locally owned plumbing company and wanted to continue with that type of work once the war effort was over. Shortly after returning to his hometown of Minneapolis, Minnesota, he became aware of an unprecedented construction boom. Returning soldiers needed new housing as they started families and readjusted to civilian life. Mort felt that he could make more money by providing plumbing supplies to contractors rather than performing the labor, and he decided to open a plumbing supply company. Mort’s parents died when he was young and was raised by his older brother, Stan, who ran a successful shoe business during the 1920’s. Stan often shared stories about owning his own business and in particular about a large expansion that was completed just before the market collapsed. Because of the economic times, Stan lost the business but was lucky to find employment with the railroad. He dutifully saved part of each paycheck and was so thankful that his brother returned home safely that he decided to use his sizable savings to help his brother open his business. Mort kept in mind his brother’s failed business and vowed that his company would operate in such a way that it would minimize its vulnerability of general business downturns.
Moore’s extensive inventory and reasonable prices made the company the primary supplier of the major commercial builders in the area. In addition, Mort developed a loyal customer base among the home repair person, as his previous background allowed him to provide excellent advice about specific projects and to solve unique problems. As a result, his business prospered and over the past twenty years, sales have grown faster than the industry. Because of the large orders, the company receives favorable prices from suppliers, allowing Moore Plumbing Supply to remain competitive with the discount houses that have sprung up in the area. Over the years, Mort has kept his pledge and the company has remained a very strong financial position. It had a public sale of stock and additional stock offers to fund expansions including regional supply outlets in Milwaukee, Wisconsin and Sioux City, Iowa.
Recently, Stan decided that the winters were too long and he wanted to spend the coldest months playing golf in Florida. He retired from the day-to-day operations but retained the position of President and brought in his grandson, Tom Moore, to run the company as the new Chief Executive Officer. Tom was an excellent choice for the position. After graduating summa-cum-laud with a degree in communications from the University of Wisconsin, he worked in the Milwaukee operation where he was quickly promoted to manager. In ten years, sa.
Please prepare PPT( 5 Slides and 1 citation slide) and also explain .docxchristalgrieg
Please prepare PPT( 5 Slides and 1 citation slide) and also explain all slides in word format about 300 words to give presentation
Types of Stakeholders:
Suppliers - Sandeep
Owners - Sandeep
Employees - Sandeep
Stakeholder Impact of Ethics on Stakeholders – Ravi/Rushil/Sandeep/Krishna
References
.
Please prepare a one-pageProject Idea that includes the .docxchristalgrieg
Please prepare a
one-page
Project Idea
that includes the following:
1. What type of project
would you like to do: develop a proposal for a new business; develop a plan to green an existing business; creative project; or research project?
2. What is the big idea
that you would like to pursue? (1-2 sentences)
3. Why
did you decide on this idea? (2-3 sentences)
4. If working in a team
, please list each team member and include either one specific role that they will play in the project or one link to a helpful resource that they have found that will inform the team’s project.
If doing an individual project
, please list at least one resource that will inform your thinking.
5. Develop a
proposed timeline
for the project (including the deliverables below, plus additional steps needed to produce the deliverables).
See the project guidelines under Course Documents or linked
here
for more information.
.
Please prepare at least in 275 to 300 words with APA references and .docxchristalgrieg
Please prepare at least in 275 to 300 words with APA references and citation.
1) Please describe the meaning of diversification. How does diversification reduce risk for the investor?
2) What is the opportunity cost of capital? How can a company measure opportunity cost of capital for a project that is considered to have average risk?
.
Please provide references for your original postings in APA form.docxchristalgrieg
Please provide references for your original postings in APA format.
1. Discuss the types of backup locations, per the text and Powerpoint presentation raeadings for the week.
2. Would a single backup location be adequate or should a combination be used? What combination would you recommend?
.
Please provide an update to include information about methodology, n.docxchristalgrieg
Please provide an update to include information about methodology, new literature discovered, or even questions regarding current progress. Topic selection is Cyber Security in Industry 4.0: The Pitfalls of Having Hyperconnected Systems can be found at https://www.jstage.jst.go.jp/article/iasme/10/1/10_100103/_pdf. APA citation is the following. Dawson, M. (2018). Cyber Security in Industry 4.0: The Pitfalls of Having Hyperconnected Systems. Journal of Strategic Management Studies, 10(1), 19-28. (250 words)
.
Please provide an evaluation of the Path to Competitive Advantage an.docxchristalgrieg
Please provide an evaluation of the Path to Competitive Advantage and Motivation and
Feedback and answer the following questions:
1. How can managers enhance employee motivation through performance management
techniques?
2. It is well known that individuals on international assignments operate under unique
contextual and cultural realities. How would motivation differ in such environments?
*********
1 page follow APA 7 citation.
.
The French Revolution, which began in 1789, was a period of radical social and political upheaval in France. It marked the decline of absolute monarchies, the rise of secular and democratic republics, and the eventual rise of Napoleon Bonaparte. This revolutionary period is crucial in understanding the transition from feudalism to modernity in Europe.
For more information, visit-www.vavaclasses.com
Unit 8 - Information and Communication Technology (Paper I).pdfThiyagu K
This slides describes the basic concepts of ICT, basics of Email, Emerging Technology and Digital Initiatives in Education. This presentations aligns with the UGC Paper I syllabus.
Embracing GenAI - A Strategic ImperativePeter Windle
Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
Model Attribute Check Company Auto PropertyCeline George
In Odoo, the multi-company feature allows you to manage multiple companies within a single Odoo database instance. Each company can have its own configurations while still sharing common resources such as products, customers, and suppliers.
June 3, 2024 Anti-Semitism Letter Sent to MIT President Kornbluth and MIT Cor...Levi Shapiro
Letter from the Congress of the United States regarding Anti-Semitism sent June 3rd to MIT President Sally Kornbluth, MIT Corp Chair, Mark Gorenberg
Dear Dr. Kornbluth and Mr. Gorenberg,
The US House of Representatives is deeply concerned by ongoing and pervasive acts of antisemitic
harassment and intimidation at the Massachusetts Institute of Technology (MIT). Failing to act decisively to ensure a safe learning environment for all students would be a grave dereliction of your responsibilities as President of MIT and Chair of the MIT Corporation.
This Congress will not stand idly by and allow an environment hostile to Jewish students to persist. The House believes that your institution is in violation of Title VI of the Civil Rights Act, and the inability or
unwillingness to rectify this violation through action requires accountability.
Postsecondary education is a unique opportunity for students to learn and have their ideas and beliefs challenged. However, universities receiving hundreds of millions of federal funds annually have denied
students that opportunity and have been hijacked to become venues for the promotion of terrorism, antisemitic harassment and intimidation, unlawful encampments, and in some cases, assaults and riots.
The House of Representatives will not countenance the use of federal funds to indoctrinate students into hateful, antisemitic, anti-American supporters of terrorism. Investigations into campus antisemitism by the Committee on Education and the Workforce and the Committee on Ways and Means have been expanded into a Congress-wide probe across all relevant jurisdictions to address this national crisis. The undersigned Committees will conduct oversight into the use of federal funds at MIT and its learning environment under authorities granted to each Committee.
• The Committee on Education and the Workforce has been investigating your institution since December 7, 2023. The Committee has broad jurisdiction over postsecondary education, including its compliance with Title VI of the Civil Rights Act, campus safety concerns over disruptions to the learning environment, and the awarding of federal student aid under the Higher Education Act.
• The Committee on Oversight and Accountability is investigating the sources of funding and other support flowing to groups espousing pro-Hamas propaganda and engaged in antisemitic harassment and intimidation of students. The Committee on Oversight and Accountability is the principal oversight committee of the US House of Representatives and has broad authority to investigate “any matter” at “any time” under House Rule X.
• The Committee on Ways and Means has been investigating several universities since November 15, 2023, when the Committee held a hearing entitled From Ivory Towers to Dark Corners: Investigating the Nexus Between Antisemitism, Tax-Exempt Universities, and Terror Financing. The Committee followed the hearing with letters to those institutions on January 10, 202
Instructions for Submissions thorugh G- Classroom.pptxJheel Barad
This presentation provides a briefing on how to upload submissions and documents in Google Classroom. It was prepared as part of an orientation for new Sainik School in-service teacher trainees. As a training officer, my goal is to ensure that you are comfortable and proficient with this essential tool for managing assignments and fostering student engagement.
Acetabularia Information For Class 9 .docxvaibhavrinwa19
Acetabularia acetabulum is a single-celled green alga that in its vegetative state is morphologically differentiated into a basal rhizoid and an axially elongated stalk, which bears whorls of branching hairs. The single diploid nucleus resides in the rhizoid.
The Roman Empire A Historical Colossus.pdfkaushalkr1407
The Roman Empire, a vast and enduring power, stands as one of history's most remarkable civilizations, leaving an indelible imprint on the world. It emerged from the Roman Republic, transitioning into an imperial powerhouse under the leadership of Augustus Caesar in 27 BCE. This transformation marked the beginning of an era defined by unprecedented territorial expansion, architectural marvels, and profound cultural influence.
The empire's roots lie in the city of Rome, founded, according to legend, by Romulus in 753 BCE. Over centuries, Rome evolved from a small settlement to a formidable republic, characterized by a complex political system with elected officials and checks on power. However, internal strife, class conflicts, and military ambitions paved the way for the end of the Republic. Julius Caesar’s dictatorship and subsequent assassination in 44 BCE created a power vacuum, leading to a civil war. Octavian, later Augustus, emerged victorious, heralding the Roman Empire’s birth.
Under Augustus, the empire experienced the Pax Romana, a 200-year period of relative peace and stability. Augustus reformed the military, established efficient administrative systems, and initiated grand construction projects. The empire's borders expanded, encompassing territories from Britain to Egypt and from Spain to the Euphrates. Roman legions, renowned for their discipline and engineering prowess, secured and maintained these vast territories, building roads, fortifications, and cities that facilitated control and integration.
The Roman Empire’s society was hierarchical, with a rigid class system. At the top were the patricians, wealthy elites who held significant political power. Below them were the plebeians, free citizens with limited political influence, and the vast numbers of slaves who formed the backbone of the economy. The family unit was central, governed by the paterfamilias, the male head who held absolute authority.
Culturally, the Romans were eclectic, absorbing and adapting elements from the civilizations they encountered, particularly the Greeks. Roman art, literature, and philosophy reflected this synthesis, creating a rich cultural tapestry. Latin, the Roman language, became the lingua franca of the Western world, influencing numerous modern languages.
Roman architecture and engineering achievements were monumental. They perfected the arch, vault, and dome, constructing enduring structures like the Colosseum, Pantheon, and aqueducts. These engineering marvels not only showcased Roman ingenuity but also served practical purposes, from public entertainment to water supply.
The Time Value of Money Future Value and Present Value .docx
1. The Time Value of
Money: Future Value
and Present Value
Computations
"If I deposit $10,000 today, how much will I have for a down
payment on a house in five years?"
"Will $2,000 saved a year give me enough money when I
retire?"
"How much must I save today to have enough for my children's
post-secondary education?"
As introduced in Chapter 1 and used to measure financial
opportunity costs in other chapters,
the time value of money, more commonly referred to as interest,
is the cost of money that is bor-
rowed or lent. Interest can be compared to rent, the cost of
using an apartment or other item.
The time value of money is based on the fact that a dollar
received today is worth more than a
dollar that will be received one year from today because the
dollar received today can be saved
or invested and will be worth more than a dollar a year from
today Similarly, a dollar that will
be received one year from today is currently worth less than a
dollar today.
The time value of money has two major components: future
value and present value. Future
value computations, which are also referred to as compounding,
yield the amount to which a
2. current sum will increase based on a certain interest rate and
period of time, Present value,
which is calculated through a process called discounting, is the
current value of a future sum
based on a certain interest rate and period of time.
In future value problems, you are given an amount to save or
invest and you calculate the
amount that will be available at some future date. With present
value problems, you are given the
amount that will be available at some future date and you
calculate the current value of that amount
Both future value and present value computations are based on
basic interest rate calculations.
FINANCIAL CALCULATORS
Currently, financial calculators, with time value of money
functions built in, are widely used to
calculate future value, present values, and annuities, For the
following examples, we will use the
Texas Instruments BA II Plus financial calculator, which is
recommended by the Canadian
Institute of Financial Planning.
When using the BA II Plus calculator to solve time value of
money problems, you will be
working with the TVM keys that include:
CPT — Compute key used to initiate financial calculations once
all values are inputted
— Number of periods
— Interest rate per period
— Present value
3. PMT — Amount of payment, used only for annuities
— Future value
Enter values for PV, PMT, and FV as negative if they represent
cash outflows (e.g., investing
a sum of money) or as positive if they represent cash inflows
(e.g., receiving the proceeds of an
investment). To convert a positive number to a negative
number, enter the number and then
press the +/— key.
37
Part 1 PLANNING YOUR PERSONAL FINANCES
The examples that are shown in this chapter assume that interest
is compounded
annually and that there is only one cash flow per period. To
reflect this, we must set the number
of payments and compounding per period to 1 (the default
setting is 12). To do this, press in turn
the I 2!'°) button (yellow), the 1 I/Y button (for the PLY
function shown above it), the
number 1, the ENTER button, the 1 2ND , button again, and
finally the I CPT button
(for the quit function above it). Before using any financial
calculator, we strongly recommend that
you consult the instruction manual that accompanies it and
attempt the examples shown there.
4. Now let's try a problem. What is the future value of $100 after
three years at a 10 percent
annual interest rate? Remember that an investment of money is
considered to be an outflow of
cash; therefore, the present value of $100 should be entered as a
negative number.
First, you must enter the data. Remember that an investment of
money is considered to be
an outflow of cash; therefore, the $100 should be entered as a
negative number.
3
10
100 + / —
I IN
PV
0 PMT (optional if registers are cleared)
To find the solution, the future value, press , and the future
value of 133.1 is
displayed.
FUTURE VALUE OF A SINGLE AMOUNT
The future value of an amount consists of the original amount
plus compound interest. This
calculation involves the following elements:
FV = Future value
5. PV = Present value
i = Interest rate
n = Number of time periods
The formula and financial calculator computations are as
follows:
(Note: These financial calculator notations may require slightly
different keystrokes when
using various brands and models.)
Future Value of a Single Amount
Formula Table Financial Calculator
FV = PV(1 +
Using Exhibit 1B-1:
FV = PV (Table Factor)
PV L IN N PMT , 1 CPT FV1
Example A: The future value of $1 at 10 percent after three
years is $1.33. This amount is calculated as follows:
$1.33 = $(1.001 + 0.10)3 Using Exhibit 1B-1: 1 1 PV ,
10E 3 N ,OLPMT ,I CPT 1.33
$1.33 = $1.00(1.33)
Future value tables are available to help you determine
compounded interest amounts (see Exhibit 1B-1).
Looking at Exhibit 1B-1 for 10 percent and three years, you can
see that $1 is worth $1.33 at that time. For
other amounts, multiply the table factor by the original amount.
This process may be viewed as follows:
Formula Table Financial Calculator
6. Example B: If your savings of $400 earns 12 percent,
compounded monthly, over a year and a half, use the
table factor for 1 percent for 18 time periods; the future value
is:
$478.46 = $400(1 + 0.01)18 -$478.40-= $400(1.196) 400
PV 12/12 = 1.5 x 12 = 18 I N
01 PMT1 I CPT', -:FV 478.46
FV = Annuity -
FV = Annuity (Table Factor)
I PMT I N IIY [ PV CPT L FV (1 + - 1 Using
Exhibit 1B-2:
Appendix 1B The Time Value of Money: Future Value and
Present Value Computations
Sample Problem 1 What is the future value of $800 at 8 percent
after six years?
Sample Problem 2 How much would you have in savings if you
kept $200 on deposit for
eight years at 8 percent, compounded semi-annually?
FUTURE VALUE OF A SERIES OF EQUAL
AMOUNTS (AN ANNUITY)
Future value may also be calculated for a situation in which
regular additions are made to sav-
7. ings. The formula and financial calculator computations are as
follows:
Future Value of a Series of Payments
Formula Table Financial Calculator
This calculation assumes that: (1) each deposit is for the same
amount; (2) the interest rate is the same for
each time period; and (3) the deposits are made at the end of
each time period.
Example C: The future value of three $1 deposits made at the
end of the next three years, earning 10 percent
interest, is $3.31. This is calculated as follows:
(1 + 0.10)3 - 1 Using Exhibit 1B-2:
$3.31 -
0.10 $3.31 = $1 x 3.31
- 1 PMT, 31 N ,i0( IN ,
FV 3.31
This may be viewed as follows:
Example D: If you plan to deposit $40 a year for 10 years,
earning 8 percent compounded annually, the future
value of this amount is:
$40(1 + 0.08)" - 1
$579.46 =
8. 0.08
Using Exhibit 1B-2:
$579.48 = $40(14.487)
- 40 PMT 10
[ CPT_[J L 579.46
01 IN ,o( PV ,
Sample Problem 3 What is the future value of an annual deposit
of $230 earning
6 percent for 15 years?
Sample Problem 4 What amount would you have in a retirement
account if you made
annual deposits of $375 for 25 years earning 12 percent,
compounded annually?
PRESENT VALUE OF A SINGLE AMOUNT
If you want to know how much you need to deposit now to
receive a certain amount in the
future, the formula and financial calculator computations are as
follows:
Present Value of a Single Amount
Formula Table Financial Calculator
FV
PV -
9. (1 + On
Using Exhibit 1B-3:
PV = FV (Table Factor)
I N IN , I PMT t CPT_ PV V
Example E: The present value of $1 to be received three years
from now based on a 10 percent interest rate is
calculated as follows:
$1 Using Exhibit 1B-3:
$0.75 -
(1 + 0.10)3 $0.75 = $1(0.751)
1 FV , 10[ IN ,0 I PMT ,
I CPT I PV —75131
(continued)
1
1
(1 + 0.14)10
0.14 _
Using Exhibit 1B-4: 100 PMf, 101 N , 141 IN . 0 1 FV ,
$521.60 = $100(5.216)
1 CPT I PV ' 521.61156
$521.61 = $100
10. Part 1 PLANNING YOUR PERSONAL FINANCES
This may be viewed as follows:
Present value tables are available to assist you in this process
(see Exhibit 1B-3). Notice that $1 at 10 percent
for three years has a present value of $0.75. For amounts other
than $1, multiply the table factor by the
amount involved.
Example F: If you want to have $300 seven years from now and
your savings earn 10 percent, compounded
semi-annually (5 percent for 14 time periods), finding how
much you would have to deposit today is
calculated as follows:
$300 Using Exhibit 1B-3:
$151.52 =
(1 + 0.05)14 $151.50 = $300(0.505)
300 FV , 7 x 2 = 141 N , 10/2 = 1 I/Y ,
0 t PMT ,1 CPT; PV -151.52
Sample Problem 5 What is the present value of $2,200 earning
15 percent for eight years?
Sample Problem 6 To have $6,000 for a child's education in 10
years, what amount should
a parent deposit in a savings account that earns 12 percent,
compounded quarterly?
PRESENT VALUE OF A SERIES OF EQUAL
AMOUNTS (AN ANNUITY)
The final time value of money situation allows you to receive an
11. amount at the end of each time
period for a certain number of periods. The formula and
financial calculator computations are
as follows:
Present Value of a Series of Payments
Formula Table Financial Calculator
1
1 Using Exhibit 1B-4:
(1 + On PV = Annuity (Table Factor)
PV = Annuity )<
Example G: The present value of a $1 withdrawal at the end of
the next three years would be $2.49, for
money earning 10 percent. This would be calculated as follows:
1
(1 + 0.10)3
0.10 _
Using Exhibit 1B-4:
$2.49 = $1(2.487)
1IPMT,31 N , 101 ,O1 FV ,
CPT PV -2.48685
$2.49 = $1
12. This may be viewed as follows:
This same amount appears in Exhibit 1B-4 for 10 percent and
three time periods. To use the table for other
situations, multiply the table factor by the amount to be
withdrawn each year.
Example H: If you wish to withdraw $100 at the end of each
year for 10 years from an account that earns
14 percent, compounded annually, what amount must you
deposit now?
Sample Problem 7 What is the present value of a withdrawal of
$200 at the end of each
year for 14 years with an interest rate of 7 percent?
P T' L IN 11-FV 1 CPT j TV
ample Problem 8
$650 at the end of e
ow much would you have to deposit now to be able to withdraw
year for 20 years from an account that earns 11 percent?
Appendix 1B The Time Value of Money: Future Value and
Present Value Computations-
Present value tables can also be used to determine instalment
payments for a loan as
follows:
13. USING PRESENT VALUE TO DETERMINE
LOAN PAYMENTS
Present Value to Determine Loan Payments
Table
Financial Calculator
Example I: If you borrow $1,000 with a 6 percent interest rate
to be repaid in three
equal payments at the end of the next three years, the payments
will be $374.11. This
is calculated as follows:
Sample Problem 9 What would be the annual payment amount
for a $20,000, 10-year
loan at 7 percent?
$1,000
— $374.11
2,673
1000 6 3
374.10981
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