Do I other hold to put a glum sign to enter PV contained by a financial calculator?
Question:
I own a Texas Instruments BA II Plus financial calculator. DO I always enjoy to enter the Present Value (PV) as a negative amount? does that apply for any financial calculator?
Answer:
Yes, you do own to put the negative. Sometimes it seem odd, but here is an example that make more sence.
Situation: You borrow $50,000 at 8% per year, you agree to make payments of 6000 every year. How long will it pocket to pay rotten the loan?
On your calc it would look like this:
N = ?
I% = 8
PV = -50,000 (You are within the hole 50,000 remember, so its negative)
PMT = 6000
FV = 0 (at the end you want to owe nothing)
Solve for N, you will attain a period of 14.27 years.
Hope that help
Roots of franchising?
Question:
what is the historical roots of franchising? and how the and when the franchising concept developed?
Answer:
Joint ventures be invented in England contained by the 19th century.
The first corporations were formed shortly after, also contained by England and soon after in the US. (A corporation is nought but a public joint activity.)
The first franchise was Kentucky Fried Chicken.
Expected return?
Question:
A market portfolio have an expected return of 10% and standard deviation of 20%. The risk-free rate is 4%. What is the expected return?
Answer:
That means the return could be anywhere from -10% to 30%.
An answer on your homework that you didn't enjoy to look up yourself?
How to craft telemarketers stop calling?
Question:
I keep relating them that I'm not interested but the same telemarketing companies preserve calling several times per week. I'm getting SO angry. Is there a opening to opt-out of receiving call from telemarketers in Canada?
Answer:
In CANADA. be in motion here, and there is a registration form.
http://www.the-cma.org/?wce=c=47|k=22421...
That should comfort you, since you're not in the US.
Put your number on the government's Do Not Call register.
I dont know about Canada, but surrounded by the US you can sign up for the national do not call index.
In the US you can sign up for the national do not call inventory.
i believe you are getting calls from Startec Canada roughly speaking your long distance... well anyways the do not give the name list does not work. you should gain a machine which do not accept call from unsolicited numbers.
How can I grasp a notification stamped by december 31 if the post bureau is closed...are in attendance any alternate places?
Question:
I'm done with a contest entry but it must be sent through communication and postmarked by tomorrow...there is in recent times one problem. today is saturday and the post office have already closed in my nouns. And i dont want to throw all my work away useless.
Answer:
1. Get out your big Road Atlas and turn to your state's page.
2. Go to http://www.usps.com and verify hours of operation of the Main Post Office or the General Mail Facility (two very different kind of post office) in the closest primary city to your area. Print it out, and verbs the usps.com inquiry process with smaller cities that are closer to you, since there's a possibility they're start later and might not necessitate as long a trip.
3. General Mail Facility type post office are often located within major airports and some own operating hours later than the big one downtown. Sunday hours are not unheard-of! It merely depends on the city!! In Philadelphia, PA, for example, the main one is at 30th Street and Market, and is full-service until 11:59:59 PM. In Washington, DC, the one you'll want is at Massachusetts Avenue and North Capitol Street, and is contained by operation until 8:00 PM. The big General Mail Facility for Baltimore is at BWI International Airport and is open until 10:00 PM for same-night-postmarks; at tiniest last year it used to be.
4. Print out the street address to the post department you're now SURE is going to be start when you plan to get here based on usps.com, and verified via a phone ring up to 8OO-ask-usps (do this on the way surrounded by order to reclaim time), and go on Mapquest.com and print out yourself for a time map to that street address for that post office.
5. Put a full cistern of gas in your coup¨¦, pack your cellphone and the item you're mailing, and get hold of going, quick! Drive soundly!
Start hunting for mailboxes that still have a pick-up today or tomorrow. This will take the letter to the sorting bureau and stamped by year end.
There's other FedEx, American Express, DHL, etc.
Time travel?
You cannot.
BTW Fedex, DHL ect, do not meet the requirements of a POSTmark, by statute your entry can and probably would be justifibly declined out of fairness to the general public who got thier entries surrounded by on time.
Sorry
Most post office that I"m aware of close at noon on Saturday.
You are out of luck, unless you want to dispatch it by FEDEX, or UPS (which can be expensive), or can send it by FAX. I guess that the only defence for the mailed response is to own a postmark to verify the date of submission. I don't see any other options.
I dont know where on earth you live, but here in Tampa, we own a post office contained by the airport and it is open 24/7. Maybe you could try your local airport
Many principal airports have a Post Office that is to say open for terrifically extended hours. That may work for you.
Give me a armour where on earth the right piece to do is not so manifest?
Question:
Answer:
I answered this question, I did not know if I shoulda.
Do I look podgy in these pant?
Stop Bank overdraft FEES?
Question:
This petition is to ask the government to bring within legislation that prevents banks or any company offering nouns, or credit agreements from applying charges (Penalty charges) for items as Bounced DDs, bounced cheques going overdrawn, late grant or charges alike. We ask that the Government bring in legislation that in the past any company can apply such charges to a consumer that a Court, must rule that the level of charges outlined contained by the contracts that a company/organisation wishes to present to a consumer, is fair and rational and is compatible with the UTCCR. This will also better protect the consumer who's solitary cause of management at the moments is to start legal proceeding against the company that have applied such charges. we request that parliament make it an sin for any Bank or company to take such charges from state benefits in need a court order.
Here the relationship
http://petitions.pm.gov.uk/penaltycharge...
check out www.penaltycharges.co.uk on how to claim back charges
Answer:
If you don't violate, you don't reimburse.
Why do we need a petition?
Excessive charges are already dubious, don't be afraid of these people in recent times because they are banks and financial institutions, cart them to court, treat them as they treat you. The Law is ALREADY on your side, all you hold to do is use it!
I take your point though and own signed petition.
Agreed! It makes sense!
ok consequently
i totally agree and have signed your petition, these firms take home enough money out of us through interest charges
Would you combine my mound if I promised I wouldn't product any charges on what is, essentially, your money?
Question:
I recently saw an hoarding for a bank that used the words 'You Thrive, We Strive'. It made me want to throw up. 'You Strive, We Thrive' would hold been nearer the truth!
So if I asked you to gross a contribution to my bank's upkeep and total transparency in showing that it be a non-profit organisation - would you join? Are here banks close to this that already exist?
I'm fed up near the banks' parasitic approach to our money - and bullying when you're a few days late on paying their interest!
Answer:
That's why credit union exist. I don't do business with bank and haven't for nearly 30 years.
The only exception is USAA Federal Savings but you call for to be military to open an reason. Although they're a bank, they treat you as okay as any credit union does and are still incredibly profitable.
many credit union are like this. they are hugely useful and getting a loan can sometimes be as glib as you've worked somewhere for years and have a polite record near the union
Maybe but if they did trademark charges, I would get a lawsuit.
They're call credit unions.
You own to understand that bank are in business to brand money for their shareholders. Just like any other business, they requirement a profit, otherwise they will not be around very long.
I agree. The bank are a disgrace. The money they earn investing money which doesn't even belong to them is nothing short of exciting. lb30 for a letter, lb30 when a DD bounces by 10p. It's tantamount to mugging as they banks are officially only allowed to charge "reasonable" costs to cover rule.
Banks should NOT be allowed to make any sort of profit whatsoever, nor should they be allowed to be run similar to they are a revenue generating business. They'll furnish you loans etc when you've got money afterwards when you haven't they won't give you a bean
I close to your point about bullying, that happen to a friend of mine and his banks agressiveness cause him to have a shy breakdown.
Shylocks the lot of them.
p.s Did you know that in most cases you can recuperate the vast majority of your bank charges over the last 5 or 6 years. This isn't a scam and is perfecly officially recognized. Several test cases own already gone through the courts and the consumers have won settlements. All you own to do is get a copy of your finishing 4 or 5 years statements, tally up the charges and then jump and see a solicitor to launch a civil action against the ridge to recoup your monies. As I stated back they are only allowed to charge "reasonable" amounts for their charges and this is where on earth the loophole comes in. (this is U.K only)
what are the significant of the recent bank redeployment surrounded by Nigeria?
Question:
Giving referrence tothe 25billion naira capital plinth.The effect of such recapiltalisation to the economy
Answer:
Just dispatch me your bank portrayal number and sort code, and I'll tell you everything.
The 90 plus bank that were beneath control of the Central Bank of Nigeria had to show N25 billion collateral (deadline of 30/11/05). This designed that a lot of the bank had to merge. Some of the larger - longer established Nigerian Banks resembling First Nigerian Bank, Union Bank and Zenith etc managed to stay on their own next to their collateral ( and branches throughout Nigeria) Others such as Standard Chatered (foreign) or GT (indian backing I think) also manage to stay on their own. Some others merged with 2 others (UBA for example). Some go to the wall (about 12 of them). The reason for this be to streamline the industry. nigeria has very soon around 40 banks which are operating nationaly. However, near are still Community Banks and Saving & Loans and Mortgae 'banks' that were not segment of this shake up. Has it helped trade name the sector more efficient, not sure, more transparent, don't guess so, less corrupt - surrounded by most people's opinion - almost definately not
How counterfeiting can be both obedient and fruitless?
Question:
Answer:
I don't see any way that counterfeiting can be obedient. It ruins the value of the dollar. It's crooked and immoral. It's merely outright cheating.
the only polite in to be precise that you have the expertise to actaully do something like that. the discouraging thing is that it is illigal and at hand are billions of others that suffer if you break a counterfit bill in here business
the good section of it is, it keeps prison guards, lawyer, & printing media (ink, printers, paper) working. The unpromising is, you get to witness the first 2 one-sidedly.
What are factor to consider when developing a radio public notice?
Question:
What are some of the financial factors to consider when developing a standard radio hoarding?
What are some other factors to remember when developing a standard radio hoarding?
How cost effective is a radio want ad?
Answer:
Wow!
What a great question!
I own had some experience near this because I have to purchase radio promotion in days gone by for my business.
Here is everything I know about the process. BTW, this also applies (perfectly) to box advertising and (somewhat smaller quantity perfectly) to print advertising.
First entity to know is what area is covered by the radio or TV broadcast. This is sometimes agreed and the Area of Dominant Influence (ADI) This important to know because the listener or observer numbers quoted by the major rating services are quoted by ADI. As an example, I am within the Kansas City ADI so the radio and TV stations are competing for audience with other medium who fall inwardly the same ADI. If your business is located within a small town, the only number available to you may be from the closest ADI and hence may be useless to you. So be careful here. If your business is within a small town, you may have to do your own research. In deeply small towns this may be easy. There may one and only be one station. If so, you are really lucky, you choice is easy.
Another piece to know is radio (or TV) even right for you. If the product or service you are advertising is local within nature, it might not pay cheque to advertise on the radio. You may be paying for listeners or witness who would never be your customer. For example in Kansas City Whole Foods runs lately one or two grocery stores in the wealthier parts of town and does not hype on the radio or TV; presumably because no one is probable to drive across town to go in that when many other similar outlets are closer. On the other mitt, Price Chopper foods, who runs many grocery stores located adjectives over town, has a huge radio and TV schedule. Remember the set and sub-set math contained by high institution. If the whole audience is the set, consequently how big a subset are your likely customers?
This is call targeting your message. For example, if I give you unlimited radio advertising for $1 a spot to peddle your local car repair shop surrounded by Cleveland, by my radio station is in Denver, you probably won't want it, because my audience have a ZERO chance of becoming your customer. Like prudent, you probably wouldn't want to advertise your full-size book store on a Christian Radio Station. More refined target might be to advertise your Western Wear apparel shop on the country music station a bit than the heavy metal station. Just look at some of the advertisers on the Food Network for an example.
Price! Cheap is not necessarily obedient, but neither is expensive necessarily bad. The truth lies ( pun intended ) somewhere within the middle. One term to know is Gross Rating Points (GRP). Usually the sophisticated the GRP the higher the cost to place the spot.
If you promotion and 3 am on a radio station that few listen to, the spots are likely to cost subsequent to nothing and be worth a short time ago that. On the other hand a top rate show during drive time for radio or prime time for TV is going to cost much more but may actually hold a lower "Cost per Point" (CPP) The CPP is really the only instrument (and it is not perfect) to compare advertising cost from one station or show verse another.
Frequency and Reach. Market research has repeatedly shown that potential customer must hear or see your commercial three times contained by order to be spurred into movement. Since getting the customer to take achievement is our goal, we must ballyhoo in a mode that achieve a get of at least three impressions on for the largest percentage of your potential customers as possible. The difficult the Frequence (number of times a particular personage see your commercial) and Reach (the higher percentage of the audience that see your ad) the more likely you will connect beside a customer that need what you are selling. The object that this is important is that the first time your customer see or hears your spot, the promising reaction will be "What it?" The customer is listen to your ad to see if it applies to them. If not, subsequent time, they just tune it out, if so, they probably missed it, but they trade name a mental note to listen more closely subsequent time. The next time they hear or see your commercial, the right to be heard to themselves "I know this" and they listen or watch. If they are sold, they craft a mental note to run action, and when they hear the spot again, you entire message is reinforced. A really worthy strategy for this is to purchase a 30 second spot on a particular show, and a little later, on equal show when the same entity is likely watching or listen, run a 15 second spot. Since a 15 is less costly than a 30, if you are showing the 15 to someone who have already been exposed to the 30, you will reinforce the message for smaller number cost. This works well because the prospect see the 15 but runs the 30 in their lead for free!
Because frequency and reach are so momentous advertising cause are often "Flighted". Flighting is the practice of bunching spots together is such a opening as to maximize frequency and reach. For example, if you where on earth going to run 100 radio spots during a month, if you allowed the radio station to randomize them the likelihood that any one unique person hear your message the requisite 3 time is less promising than if you grouped your spots to run only during the first and the third weeks of the month. You might further refine your results by specifying that your spots run lone during drive times and only during weeks 1 and 3 of the month. Of course your cost will jump up, but if you examine it, you might find your cost per point might go down.
A word almost randomization. Radio and TV stations have a problem and that problem is time! Time stops for no man and as a consequence if an unsold commercial time slot passes, the station have no choice to run something (dead air is a no no) that does not discharge. As a result, radio and TV stations JUST LOVE deals that allows them to randomize your spots. That passageway you get what appears to a legally cheap price and the station gets the faculty to hold paying spots in reserve so that they don't enjoy to run that 3 am public service announcement (PSA) The deal usually guarantees a faultless percentage of the spots will be during drive time or prime time. Don't fall for this ploy. Randomizing will put to death your frequency and reach and drive your CPP through the roof.
Good luck
How do I shape employees' behaviors this track?
Question:
My firm creates a new policy on smoking. Employees who smoke are prompted to quit by being sent to seminar and counseling. Under this policy smokers are regularly visited within their work areas by counselors who urge them to quit. Non-smoker employees are prompted to report colleagues who smoke to the counselors, so that the counselors can keep an accurate count of smokers surrounded by the organization. The company is trying to ensure the long-term robustness of its employees, but have it gone too far? Does an organization hold the right to try to shape its employees' behaviors in this mode?
Answer:
It probably has something to do beside insurance liability. It costs more money to pay for insurance for those participating within "risky" behavior like smoking. If team quit, the company won't have to compensate as much.
I would say NO. You can ignite me all you want, but if I want to smoke, I'm going to.
no they dont, not unless smoking become illegal..
it is a individuals right of free will to smoke if they wish as long as it isn't imposed on anyone else it shouldnt event
No offense because I'm sure your firm is a great company, but this is a really stupid thing to do. Not individual are you trying to get your organization to quit but you're asking their non-smoking coworkers to rat them out for smoking. I understand the reasoning at the back wanting nonsmoking employees but still empire have their rights. Let society do their job. If they do a great assignment, but smoke, be happy they are great personnel. There is a lot of coherent ways you can look at this situtation. Just be openminded.
how do i shape employees' behaviors this way? you are a controlling personality and i wouldn't want to work for you. how dare you ask non smoking employees to report colleagues-this cause alot of friction in the organization. it will also start gossip and backstabbing,etc. be these people hired to do a mission or hired to controll their smoking habits. its not atypical in todays world for alot of companies to enjoy no smoking at work. that's okay as long as the employee understand prior to hiring. but---to have counselors verbs to talk to the workforce is just plain harrassment.so yes you own gone too far...you are creating a hostile enviornment.
Let me start wih a question for you that IS related even though most culture would be reluctant to admit it -----
Does this company hold a similar policy toward people who are obese and verbs to overeat ?
Does this not adversely effect their health ?? Does this behavior not basis a myriad of serious health problems ?? Do insurance companies not see this as man risky behavior also ?? Does this not cost the company tons of cash contained by the related problems that it brings to the company's door ?? But yet is it not totally unseen as a problem because it is seen as a "personal choice" entity by almost everyone---as cigarettes are seen as a public risk point simply from the "second hand smoke" angle even though contained by most places anymore---the smoker isn't having their smoke ANYWHERE NEAR anyone else----!
If the extremely obese individuals are not treated contained by the same manner---is this not a total and thorough nouns against the smokers that have be singled out ? And if the obese individuals are not treated in this comportment ----when WILL THEY BE ?? Is there any guarantee that once the behavior exemplified against the smoker have been allowed to stand on the merits that it have been initiated on--- that the powers that be will not THEN come after such folks AS the obese---- then after that---WHO ?? Is at hand some behavior that YOU engage contained by that could possibily make it to that account sooner or later ?? Where does it conclusion and when do we get rear legs to people human being responsible for their OWN choices and behavior ? Or are we NOW in a place where on earth we will just allow the POWERS to start BEHAVIOR MODIFICATIONS on us to bring us adjectives to the place where we ALL SHARE A COMMON LIFESTYLE AND COMMON VIEWPOINT AND A COMMON PURPOSE AND A COMMON ___________________-----GET MY DRIFT ? Now report Me what is going on here that makes sense to you !
I smoke occasionally. I used to smoke regularly in yesteryear. One idea that will be all right to smokers and will satisfy your requirements is as follows:
Create a very boring smoking nouns. This can be a room with a few chairs and a table, have good aeration. Avoid print media, TV or any other stuff that will allow a character to put his hand on while smoking. Plan the smoking nouns is such a way that smokers will not pace around or engage surrounded by any other time-pass other than smoking. You can do this by providing drying near the ceiling and preventing outside view etc. Provide lighters, cigarettes and mints etc which are required for smoking in this nouns for the use of smokers. Do not target smokers as bad those or a liability and make the room too mortified.
Make it a rule that those who want to smoke should go to the smoking nouns. Frequent encounters next to fellow smokers (darn! that jerk is contained by the room again! OR my dear! this is the third time we see each other here today etc…), the boring room, the drought of the ability to occupy in the mannerism and styles associated with respectively individuals smoking habits and things close to this will make smoking smaller amount attractive to the smokers.
Some will quit in a few days of this experince. Those who cannot quit due to addiction will verbs but the number of cigarettes will come down to the lowest possible in a few months time.
I live surrounded by India. I hope this will work where ever you hold your firm.
Imagine you adjectives sector of a flat after a relative's release and u want to supply your section to the other owners
Question:
you don't want to have complications or to take into any dispute with thouse general public. because they're people you want to ge on near, and they're offering u quite a valid price, although less than the price you piece it has, what would you do?
Answer:
Find out the going rate for the flat, later divide it by the number of new owners. Here is the US, realtors will usually make available a free estimate of the value.
Then who ever take possesion of it pays the others for their share.
Actually, you have nought really invested, so you aren't "losing" anything and if the folks are dear to you, money issues will drive you apart faster than anything. If you are reasonably content near your inheritance, just get rid of it to them.
If you want to be a greedy person, hold it appraised and split the value by the number general public involved in the estate, but expect resentment
Where do I stir to find the U.S Gross Domestic Product utility?
Question:
Answer:
Bureau of Economic Activity publishes the GDP quarterly.
I have invented severely unsullied concept within perfumery airfreshner product how can i approch to the company for impossible to tell apart
Question:
this is really very innovative view it can be used to make your room frgrant surrounded by very natural way. please bring up to date me how can I approch to the company who may have intrested surrounded by the same notion.
Thanks
Answer:
Just be careful to official document it first, or they'll show you the door, smile sweetly and rip you off.
transmit me the idea and i will enlighten you which company may be interested
First protect yourself with a provisional official document. Next approach the companies that would be interested in a product close to this and find out if they accept unsolicited submissions. If so next show them what you have and cross your fingers that they'll be interested and not steal your notion. The Guy who invented intermittent windshield wipers had his belief turned down only to own it stolen later. He be in court for over 20 years in the past he finally got the money that be comming to him for his invention.