...To: Steve Howe From: Cristina Aravena Date: September 21, 2015 Re: Mark Down Client Mark Down came to the law firm of Dewey, Cheatum, and Howe. We did a will for him stating that all his assets go to the children since his wife previously past. He executed a power of attorney to his son, Slowe, giving him the power to handle all of his assets. Mark Down health started deteriorating and Slowe is worried that Mark may need Medicaid. Slow wants to remove Mark’s assets of $300,000 brokerage account and give them to his children. Since Slowe said Mark is losing competency and doesn’t want to deal with any financial matters anymore, Slowe is asking if he can transfer the money. Right now that would put Mark at a 5 year period of ineligibility for long term Medicaid care. According to New York law, there are limitations to how much a power of attorney can gift a year. In the Matter of Ferrara 7 N.Y. 3d 244 (2006), decedent George J. Ferrara, executed a will stating that his entire assets will go to the Salvation Army. When the decent became hospitalized in Florida, his nephew Dominick Ferrara came and visited then decedent, then told Dominick to obtain powers of attorney so that [he] could attend to [decedents] affairs. (id. 248) “Florida powers of attorney apparently authorized Dominick and john Ferrara to write checks on decedent’s bank accounts and liquidate certificates of deposit”. On January 25, 2000, decedent signed multiple originals of a “Durable General...
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...Kristen’s Cookie Co. – Katherine Fanola Individual Assignment Question 1: Draw a Flow Diagram Question 2: How long will it take to fulfill a rush order? The answer is 26 minutes. First, the customer will order which will not take any time. Then, Kristen begins by washing and mixing which will have a cycle time of 6 minutes. Next, spooning will take Kristen 2 minutes, leaving a finish time at 8 minutes (6 min+2min). Then Kristen’s roommate will heat the oven which will take 1 minute leaving a finish time of 9 minutes (8 min+1 min). The cookies will bake for 9 minutes leaving a finish time of 18 minutes (9 min+9 min). Time for the cookies to unload and cool down will then be an additional 5 minutes leaving a finish time of 23 minutes (18 min+5 min). Last step is for customer to pay and for the money to be collecting taking a total of 3 more minutes and leaving a finish time of 26 minutes (23 min + 3 min). Therefore, total time to fulfill a rush order is 26 minutes. Question 3: How many orders can you fulfill in a night, assuming you are open for 4 hours each night? The answer is 22 dozen cookies. Operating for 4 hours in a night is equivalent to operating for 240 minutes. If each order size is one dozen cookies, then order completion time for 1 batch will be 26 minutes. Then, the time for every additional dozen of cookies after that will take 10 minutes. It will take 236 minutes for 22 dozen cookies to be ordered in this case, and it will take 246...
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...GUIDELINES...............................................................................7 REAR YARD FENCE GUIDELINES ......................................................................................9 PLAY EQUIPMENT GUIDELINES ......................................................................................11 SATELLITE RECEIVER (DISH) GUIDELINES ..................................................................13 GENERAL IMPROVEMENTS, LANDSCAPE & MAINTENANCE GUIDELINES..........14 LIST OF RECOMMENDED PLANT SPECIES ....................................................................19 EXHIBIT A REQUEST FORM 2 CHRISTENBURY MASTER ASSOCIATION, INC. ARCHITECTURAL CONTROL COMMITTEE INTRODUCTION The Architectural Control Committee (ACC) is providing the attached Architectural Design Guidelines (“Guidelines”) in accordance with that Declaration of Covenants, Easements, Conditions and Restrictions (“Declaration”), for purposes of establishing and maintaining exterior design elements throughout Christenbury. This document should be filed with the homeowners’ copy of the Declaration received at closing. It is the responsibility of each homeowner to pass along the Declaration and Guidelines to any future buyer of their home at Christenbury. It is important to note that the Guidelines are applicable to most all future building exterior and property...
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...Jose Cando ENGL-2327 April 26, 2014 Balcones Fiction and Poetry Winners Reading Event: Natalie Diaz’s Reading of When My Brother Was an Aztec Outside the ACC Theater on April 9th, the public was greeted by tables of refreshment including fruits cheeses and crackers which was a nice surprise. Although, I had expected a packed theater, only about forty people were waiting inside. The event started at 6:30 pm when Charlotte Gullick, the chair of the creative a writing department took the stage. After promoting some of creative writing classes at ACC, she described the significance of the Balcones prizes. A teacher from the English department took the stage next to talk a little more about the Balcones prize. He pointed out that Natalie Diaz was the sixteenth winner of this prize. He described Ms. Diaz as a woman with her foot “in three different worlds.” Her childhood was spent on the Mojave reservation in the California Desert. She attended college in Virginia on a basketball scholarship, and from there she played professional basketball in Europe and Asia. After injuring her knee, she left basketball to study poetry in graduate school. Therefore, he claimed, she has a foot in the worlds of the reservation, basketball and poetry. With that, he welcomed Nathalie to the stage. Nathalie jumped into reading her poem, “When My Brother Was an Aztec.” I was shocked to hear the bitterness and resentment in her voice as she describe her brother as a nasty and careless force which...
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...A Diet Containing B Vitamins Place 1 quart of warm RO filtered of Pellagra Can Be Controlled With. Grooming bucket with brushes & combs PLASTIC NAPPY OR SOAKING BUCKET WITH LID - BRISBANE $0.99 VINTAGE ENAMELWARE BUCKET WITH WOOD HANDLE RARE BLUE $9.99 PLASTIC NAPPY OR SOAKING BUCKET WITH LID - BRISBANE $0.99 healthy, cancer-free and living in California with his wife and three children. VINTAGE ENAMELWARE GRANITEWARE RED WHITE BUCKET & LID $9.99 faNtAstiC ~ LARGE ENAMEL ~Pink~ SOAKING BUCKET WITH WOOD HANDLE RARE BLUE $9.99. pectin Boil petals in 2 quarts of water with the lid on, till 1/2 liquid is gone. Mix infusion, lemon juice and sugar in stainless steel or enamelware pan. I have two enamelware canners, one large, one smaller. mixture with very hot RO filtered water or distilled water and place a lid over VINTAGE ENAMELWARE GRANITEWARE RED WHITE BUCKET & LID $10.51 would be handy too) I found a pot lid that fit the top of my bucket perfectly. mixture with very hot RO filtered of coffee in your enema bag or bucket. Bit Bucket of information unclassified but worth keeping Open canner with lid is a replica of the bag or bucket. Internet Sites 17. 16. pectin Boil petals in 2 quarts of water with the lid on, till 1/2 liquid is gone. Mix infusion, lemon juice and sugar in stainless steel or enamelware pan. A Diet Containing B Vitamins Place 1 quart of warm RO filtered of coffee in your face. Pellagra Can Be Controlled With. water they were soaking in, onion, garlic, healthy...
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...February 04, 2015 IUBAT–International University of Business Agriculture and Technology Spring Semester January 05-April 08, 2015 Day Section Class Schedule 8:30-9:30 CSC 103 (Sec-A) SM #402 CSC 103 (Sec-B) MSS #407 CSC 103 (Sec-C) KD #408 CSC 103 (Sec-D) GM #421 CSC 103 (Sec-E) DAS #501 CSC 103 (Sec-F) PB #502 CSC 103 (Sec-G) DMAH #503 09:3510:35am CSC 103 (Sec-B) MSS #407 CSC 103 (Sec-C) KD #408 CSC 103 (Sec-D) GM #421 CSC 103 (Sec-E) DAS #501 CSC 103 (Sec-F) PB #502 CSC 103 (Sec-G) DMAH #503 CSC 103 (Sec-H) HR #606 ENG 101 (Sec-A) SR #607 ENG 101 (Sec-I) NZM #504 ENG 101 (Sec-J) ENG 101 (Sec-I) NZM #504 ENG 101 (Sec-J) ART 102 (Sec-N) KK #506 ART 102 (Sec-S) MAH #507 ART 102 (Sec-O) SAC #508 ART 102 (Sec-U) NKD #402 CSC 103 (Sec-H) HR #606 ENG 101 (Sec-B) SR #607 ENG 101 (Sec-D) ATMSA #405 ENG 101 (Sec-H) NF #603 ENG 101 (Sec-G) SR #607 ENG 101 (Sec-C) LAM#604 ENG 101 (Sec-D) ENG 101 (Sec-F) JU 10:40-1 ll:45l:40am 12:45pm CSC 103 CSC 103 (Sec-A) SM (Sec-I) #323 MSS#402 CSC 103 (Sec-J) MMR #520 CSC 103 (Sec-K) PB #521 CSC 103 (Sec-U) PPP #601 CSC 103 (Sec-T) DAS #602 2:00-3: 00pm CSC 103 (Sec-I) MSS #402 CSC 103 (Sec-J) MMR #520 CSC 103 (Sec-K) PB #521 CSC 103 (Sec-U) PPP #601 CSC 103 (Sec-T) DAS #602 ART 102 (Sec-H) MMI #403 ENG 101 (Sec-H) NF #603 ENG 101 (Sec-C) LAM #604 3:05-4: 05 pm ART 102 (Sec-A) NKD #403 ART 102 (Sec-B) KK #401 ART 102 (Sec-C) MMI #507 ART 102 (Sec-T) SAC #508 ENG 101 (Sec-N) SI #621 4:105:10pm CSC 103 (Sec-L) MAH #502 CSC 103 (Sec-M) MAB#503 CSC 103...
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...Federal Income Taxes Name ACC 401 – Federal Income Taxes Teacher Date Federal Income Taxes In order to complete the Federal Income Taxes necessary for this couple, there are multiple specific items that needed to be taken care of and specific forms that needed to be used. In the case of many Federal Income Taxes, these specific things occur taxpayer by taxpayer and will need to be taken on a case by case basis in order to best determine the route necessary to be taken to ensure the correct information is given and the correct tax return is received. Following the proper procedure in each case will ensure the correct return and proper information to be given to the IRS. For this specific return, the form for a married return, filing jointly was used. This means a Form 1040 was necessary in this case, as it allows for a married filing jointly return with itemized deductions and credits. The stumbling points in this return fall to the IRA contributions and the healthcare costs. In the case of the IRA contributions, Box 12 from the W-2 is necessary to be used to account for the payroll deductions that take place. For the Healthcare payroll deduction contributions, Box 14 must be used on the 1040 Form. Now, a tricky point was the addition of SDI, or mandatory disability insurance, that needed to be added to box 14 as well, since the deduction is something that is required in California. Once the specifics for the standard income are set...
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...partex marking systems ab annual report 2010 contents 3 Welcome to Partex 4 The year in brief 5 To our stakeholders 6 Our business Business idea Vision Mission Guiding principles Owners directives 7 Organization 8 Products 9 Environmental work 10 History 11 The Partex group 12 Subsidiaries 14 Director’s report 15 Five year summary Parent Company and Group 17 Group income statement 18 Group balance sheet 21 Parent Company income statement 22 Parent Company balance sheet 24 Cash flow statement 26 Notes to the financial statement 36 Audit report 38 Managing Director, Board of Directors 2 and Owners Partex Marking Systems AB welcome to partex In 2009 we at Partex chose to put together our first ever Annual Report. The initiative was well received and we have therefore decided to continue the concept and this is the result; Partex Annual Report for 2010. For those of you who are not familiar with Partex, we are a family company in the third generation. Our headquarters are in Gullspång, Sweden, in the same location as where it all started over 60 years ago. We at Partex are specialists in industrial marking systems. We produce products for the identification ...
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...Does your career plan include a world of lifelong success? Program of Professional Studies THE CERTIFIED GENERAL ACCOUNTANTS ASSOCIATION OF BRITISH COLUMBIA We see more than numbers. Choose a career that places you on the path to lifelong success. It’s all about opportunity. Accounting professionals can work in any sector, anywhere in the world. And when you choose CGA, you’ll gain the leadership, problem-solving and technical skills that are sought after by organizations in the private, public and not-for-profit sectors. The CGA Program of Professional Studies gives you the tools to succeed in business, no matter where your career takes you. You’ll enter the workforce with the applied knowledge and demonstrated expertise that employers want, including specialized technical knowledge, sectorspecific competencies, problem-solving skills and the ethical integrity to lead. CGA’s competency-based curriculum is simply your best way to prepare for a rewarding career in financial management. Flexible study options and the freedom to choose the career you want CGA is all about choice. You choose the professional-studies path and real-world experience that best match your career goals and interests. We give you the skills and freedom to work in any type of organization, in any industry, at any level of management. With a CGA designation, your opportunities—both professional and personal, at home and around the world—are limitless. Take your place as a highly respected...
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...Adjusted present value Wadia Haddaji February 20, 2008 • Topics: 1. Adjusted present value. • Readings: 1. Brealey, Myers and Allen, section 20.4. 1 The Adjusted-Present-Value Rule • Recall that we can write the value of a levered firm as the value of an otherwise identical all-equity firm and the value of its financing decisions: V = VU +NPV(financing decisions). • It is then obvious to define the APV of a project as the sum of its NPV to an all-equity firm and the PV of the associated financing decisions: APV = NPV(unlevered project) + NPV(financing decisions) • Separating the APV of a project into its NPV to an all-equity firm and the value of the associated financing decisions should be generally useful for the financial manager. 2 A Comparison of WACC and APV • Features/advantages of WACC. 1. WACC accounts for tax shield benefit of interest in discount rate. 2. WACC is widely adopted by practitioners and is easy to use. 3. WACC is applicable when D/E remains essentially constant through project life. 4. WACC is most appropriate when the project is “typical” of the firms traditional businesses (i.e., same risk), or “scale enhancing”. • Features/advantages of APV. 1. APV accounts for tax shield benefit of interest in cash flows (not discount rate). 2. APV was introduced by academics and is slowly being adopted in practice. 3. 11% of firms always or almost always use it. • APV often requires/accomodates knowledge of a particular debt repayment schedule. • APV (as opposed...
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...Research Journal of Finance and Accounting www.iiste.org ISSN 2222-1697 (Paper) ISSN 2222-2847 (Online) Vol.6, No.3, 2015 27 Predicting Stock Market using Regression Technique Prof. Mitesh A. Shah1* Dr.C.D.Bhavsar2 1.Department of Statistics, S.V. Vanijya Mahavidyalaya, Ahmedabad, Gujarat, India 2.Department of Statistics, Gujarat University, Ahmedabad, Gujarat, India Email of the corresponding Author: m_a_shah73@yahoo.com Abstract We use two and half year data set of 50 companies of Nifty along with Nifty from 1st Jan 2009 to 28th June 2011 and apply multivariate technique for data reduction, namely Factor Analysis. Using Factor analysis we reduce these 50 companies’ data (50 variables) into the most significant 4 FACTORS. These four significant factors are then used to predict the Nifty using Multiple linear regression. We observed that the model is good fitted and it explained 90 % of the total variance. Keywords: Nifty, Factor Analysis, Multiple Linear Regression, Data reduction 1. Introduction: In this paper, we applying data reduction technique of Factor analysis on the Nifty Stocksand then predict NIFTY using Multiple Linear Regression Technique. Factor analysis is a statistical technique to study interrelationship among the Variables. The idea behind factor analysis is grouping the variables by their correlation in such a way that particular group is highly correlated among themselves but relatively smaller correlation with the variables in other group...
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...College Credit Through Advanced Standing Produced by the Office of Academic Services This manual is accurate as of the date of publication. As new information becomes available, it will be posted to the online version, available through the Academic Services web site, www.nvcc.edu/aboutnova/directories--offices/administrative-offices/academic/index.html. Revised June 2012 Table of Contents INTRODUCTION ........................................................................................................... 3 PURPOSE .................................................................................................................................3 TYPES OF ADVANCED STANDING ...................................................................................................3 GENERAL PROCEDURES ...............................................................................................................4 EVALUATION RESPONSIBILITIES .....................................................................................................5 SECTION 1—CREDITS FROM POST-SECONDARY INSTITUTIONS ........................................ 7 GENERAL CONDITIONS ................................................................................................................7 GENERAL EDUCATION TRANSFER CREDIT FOR STUDENTS WITH PREVIOUS DEGREES ..................................9 EVALUATION OF INTERNATIONAL TRANSCRIPTS .....................................................................
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...Decimal-Binary-Hexadecimal Conversion Chart This chart shows all of the combinations of decimal, binary and hexadecimal from 0 to 25 5 decimal. When m aking a change in a C V this chart will show the conversion for different nu mb ering system s. Som e deco ders sp lit the C V in to tw o pa rts. W hen y ou mo dify a CV you need to w rite back all 8 bits. T his cha rt will help deter min e the co rrect bit va lue a C V. Decimal Binary Hex Decimal Binary Hex Decimal Binary Hex Decimal Binary Hex Bit N o.> 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 76543210 00000000 00000001 00000010 00000011 00000100 00000101 00000110 00000111 00001000 00001001 00001010 00001011 00001100 00001101 00001110 00001111 00010000 00010001 00010010 00010011 00010100 00010101 00010110 00010111 00011000 00011001 00011010 00011011 00011100 00011101 00011110 00011111 00100000 00100001 00100010 00100011 00100100 00100101 00100110 00100111 00101000 00101001 00101010 00101011 00101100 00101101 00101110 00101111 00110000 00110001 00110010 00110011 00110100 00110101 00110110 00110111 00111000 00111001 00111010 00111011 00111100 00111101 00111110 00111111 0 1 2 3 4 5 6 7 8 9 A B C D E F 10 11 12 13 14 15 16 17 18 19 1A 1B 1C 1D 1E 1F 20 21 22 23 24 25 26 27 28 29 2A 2B 2C 2D 2E 2F 30 31 32 33 34 35 36 37 38 39 3A 3B 3C 3D 3E 3F 64 65 66 67 68 69 70 71 72 73 74 75 76 77...
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...Financial Reporting Problem Part 2 Acc/290 week 9 9/24/14 Oscar Ledesma PepsiCo a highly recognize beverage distributor. The company started up in late 1800 in a drug store and its original name was “Brad’s Drink”. The company launch “Brad’s Drink” into the market in 1898 which would later change the drink name to Pepsi. It is an enormous company which has numerous assets as well as liabilities and that also has various investors as well as creditors that do not mind working with this company because the company runs a good business. To companies like PepsiCo their current assets are very significant. In the company’s balance sheet “current assets” are the assets that the company will anticipate turning into currency or will consume inside the first year or one operating cycle whatever is longer. For most of the businesses, recent assets will be on a one year cycle in the balance sheet. Companies could use their assets to help their routine operation like paying their current expenses. A company type of current assets includes currency, bankable bonds, stocks, account receivable, prepaid expense as well as any additional liquid assets that the company can turn into cash quickly. However, according to Kimmel, Weygandt and Kieso 2011, companies, usually, will arrange their current assets in the order in which they believe they will turn into...
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...Ranking of Top 500 Companies Rank | Company | Rank | Company | Rank | Company | Rank | Company | Rank | Company | 1 | O N G C | 101 | Adani Power | 201 | Sundaram Finance | 301 | Kirloskar Oil | 401 | Himadri Chemical | 2 | TCS | 102 | Glenmark Pharma. | 202 | Rajesh Exports | 302 | Sh.Renuka Sugar | 402 | Orient Paper | 3 | Reliance Inds. | 103 | Shree Cement | 203 | Opto Circuits | 303 | H T Media | 403 | IVRCL | 4 | Coal India | 104 | M R P L | 204 | TTK Prestige | 304 | KSK Energy Ven. | 404 | Nitin Fire Prot. | 5 | ITC | 105 | Bajaj Finserv | 205 | Prestige Estates | 305 | Bombay Dyeing | 405 | SRF | 6 | St Bk of India | 106 | Wockhardt | 206 | CESC | 306 | BGR Energy Sys. | 406 | Unichem Labs. | 7 | HDFC Bank | 107 | Bhushan Steel | 207 | Madras Cement | 307 | City Union Bank | 407 | Magma Fincorp | 8 | Infosys | 108 | United Spirits | 208 | D B Corp | 308 | United Bank (I) | 408 | Elantas Beck | 9 | NTPC | 109 | Satyam Computer | 209 | Info Edg.(India) | 309 | Kennametal India | 409 | Hotel Leela Ven. | 10 | Bharti Airtel | 110 | GMR Infra. | 210 | Indiabulls Power | 310 | KPIT Infosys. | 410 | Styrolution ABS | 11 | ICICI Bank | 111 | Tech Mahindra | 211 | Voltas | 311 | Tuni Text. Mills | 411 | Gravita India | 12 | H D F C | 112 | Aditya Bir. Nuv. | 212 | Shri.City Union. | 312 | Wyeth | 412 | ICRA | 13 | Hind. Unilever | 113 | JP Power Ven. | 213 | Jindal Saw | 313 | Sadbhav Engg. | 413 | P I Inds. | 14 | Wipro | 114 | Piramal Enterp. |...
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