...TI-84 Plus TI-84 Plus Silver Edition Guidebook Important Information Texas Instruments makes no warranty, either express or implied, including but not limited to any implied warranties of merchantability and fitness for a particular purpose, regarding any programs or book materials and makes such materials available solely on an "as-is" basis. In no event shall Texas Instruments be liable to anyone for special, collateral, incidental, or consequential damages in connection with or arising out of the purchase or use of these materials, and the sole and exclusive liability of Texas Instruments, regardless of the form of action, shall not exceed the purchase price of this product. Moreover, Texas Instruments shall not be liable for any claim of any kind whatsoever against the use of these materials by any other party. © 2005 Texas Instruments Incorporated Windows and Macintosh are trademarks of their respective owners. ii USA FCC Information Concerning Radio Frequency Interference This equipment has been tested and found to comply with the limits for a Class B digital device, pursuant to Part 15 of the FCC rules. These limits are designed to provide reasonable protection against harmful interference in a residential installation. This equipment generates, uses, and can radiate radio frequency energy and, if not installed and used in accordance with the instructions, may cause harmful interference to radio communications. However, there is no guarantee that interference...
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...Credit Cards, Excess Debt, and the Time Value of Money: The Parable of the Debt Banana Timothy Falcon Crack and Helen Roberts University of Otago, New Zealand The parable of the debt banana is an analogy between the accumulation of excess personal debt and the accumulation of excess body weight. We created this parable to grab student attention and to then serve as a springboard for discussion of personal debt, time value of money mathematics, the mechanics of credit cards, personal bankruptcy, moral hazard, ethics, and credit card reform. A follow-up survey in a large class (453 students; 84% response rate) showed that 92% of students seeing the parable alongside the underlying finance principles said that it grabbed their attention more than if the underlying finance principles alone were presented, and 87% of students said it made an impression upon them that will make them more careful in their future credit card spending habits. We provide worked examples of credit card use as well as a spreadsheet that lets readers explore these examples and perform sensitivity analysis. INTRODUCTION The parable of the debt banana is an analogy between the accumulation of excess personal debt and the accumulation of excess body weight. We created and presented our parable in a compulsory Finance 101 course taken by all business majors. Most students had little or no exposure to the world of finance and many had poor mathematical skills. Both their lack of financial...
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...budgeting, risk management, working capital management and performance assessment. The financing decision chooses sources of cash to finance the investment decisions and involves capital structure, financial instruments, the risk-return trade-off, financial planning and the cost of capital. Ethical considerations and management in the global context are integrated into these topics. Course Credit Exclusion: AP/ECON 3.00 (AS/ECON 4400 3.00 or AK/ECON 4082 3.00) Prerequisite: none Course objectives: The course objectives are to introduce students to the theory of financial management and its application to the business world. It analyzes how financial managers make decisions within a framework which emphasizes the time value of money (TVM) and the relationship between expected return and risk. In addition, we examine the techniques that financial managers use to evaluate feasibility of undertaking new projects (i.e., capital budgeting). This course is very fast paced, technical in nature, and it requires each student to do considerable out-of-class work. Problem solving throughout the course is required. Organization of the Course: Class format is lecture-style, with discussion and analysis of real time events. Students are expected to prepare for class by reading the assigned readings, and are...
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...BA II PLUS™ Calculator Important Information Texas Instruments makes no warranty, either express or implied, including but not limited to any implied warranties of merchantability and fitness for a particular purpose, regarding any programs or book materials and makes such materials available solely on an "as-is" basis. In no event shall Texas Instruments be liable to anyone for special, collateral, incidental, or consequential damages in connection with or arising out of the purchase or use of these materials, and the sole and exclusive liability of Texas Instruments, regardless of the form of action, shall not exceed the purchase price of this product. Moreover, Texas Instruments shall not be liable for any claim of any kind whatsoever against the use of these materials by any other party. USA FCC Information Concerning Radio Frequency Interference This equipment has been tested and found to comply with the limits for a Class B digital device, pursuant to Part 15 of the FCC rules. These limits are designed to provide reasonable protection against harmful interference in a residential installation. This equipment generates, uses, and can radiate radio frequency energy and, if not installed and used in accordance with the instructions, may cause harmful interference to radio communications. However, there is no guarantee that interference will not occur in a particular installation. If this equipment does cause harmful interference to radio or television reception, which...
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...CORPORATE FINANCE DEMYSTIFIED TROY A. ADAIR, Jr. McGraw-Hill New York Chicago San Francisco Lisbon London Madrid Mexico City Milan New Delhi San Juan Seoul Singapore Sydney Toronto Copyright © 2006 by The McGraw-Hill Companies. All rights reserved. Manufactured in the United States of America. Except as permitted under the United States Copyright Act of 1976, no part of this publication may be reproduced or distributed in any form or by any means, or stored in a database or retrieval system, without the prior written permission of the publisher. 0-07-148678-X The material in this eBook also appears in the print version of this title: 0-07-145910-3. All trademarks are trademarks of their respective owners. Rather than put a trademark symbol after every occurrence of a trademarked name, we use names in an editorial fashion only, and to the benefit of the trademark owner, with no intention of infringement of the trademark. Where such designations appear in this book, they have been printed with initial caps. McGraw-Hill eBooks are available at special quantity discounts to use as premiums and sales promotions, or for use in corporate training programs. For more information, please contact George Hoare, Special Sales, at george_hoare@mcgraw-hill.com or (212) 904-4069. TERMS OF USE This is a copyrighted work and The McGraw-Hill Companies, Inc. (“McGraw-Hill”) and its licensors reserve all rights in and to the work. Use of this work is subject to these terms. Except as permitted...
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...BA II PLUS™ PROFESSIONAL Calculator Important Information Texas Instruments makes no warranty, either express or implied, including but not limited to any implied warranties of merchantability and fitness for a particular purpose, regarding any programs or book materials and makes such materials available solely on an “as-is” basis. In no event shall Texas Instruments be liable to anyone for special, collateral, incidental, or consequential damages in connection with or arising out of the purchase or use of these materials, and the sole and exclusive liability of Texas Instruments, regardless of the form of action, shall not exceed the purchase price of this product. Moreover, Texas Instruments shall not be liable for any claim of any kind whatsoever against the use of these materials by any other party. USA FCC Information Concerning Radio Frequency Interference This equipment has been tested and found to comply with the limits for a Class B digital device, pursuant to Part 15 of the FCC rules. These limits are designed to provide reasonable protection against harmful interference in a residential installation. This equipment generates, uses, and can radiate radio frequency energy and, if not installed and used in accordance with the instructions, may cause harmful interference to radio communications. However, there is no guarantee that interference will not occur in a particular installation. If this equipment does cause harmful interference to radio or television...
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...TVM Study Guide This is not meant to be an all-inclusive guide, but please make sure that you have a solid working knowledge of the following. • Relationships between variables o Such as “If I increases what happens to PV?” • Be able to set-up timelines based on either word problem or from an equation • Be able to isolate and solve for any unknown variable • APR/EAR/EPR (pages 96-98 or so depending on edition, and pages 232-234 in Jaffe chapter 4) o Know how to change from one form of the interest rate to another o Be able to explain why this is necessary o Continuous compounding is NOT covered • Aligning cash flows (Big, ugly nasty problems like Jordan Ch 6, Q 57 “Bilbo” or Jaffe Ch 4, Q 52) o For example, a generic set-up might look like: ▪ FV(A) + FVA(B) = PVA (C) + PV(D) when the equals sign “occurs” at the time when the cash flows change direction (i.e. at the time of retirement, or the start of college). o Examples 4.22 – 4.25 (pages 242-244) are quite good • Loans o Amortization tables ▪ Balance = PV of REMAINING payments ▪ interest for a single payment = Beg Bal x EPR ▪ Principal = PMT – Interest o I really like Example 6.13 for determining the balance in the middle of an amortization. o Total interest paid over multiple periods = total of payments – change in balance over that time period...
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...Finance 3101: Financial Management Syllabus (Spring 2013) Section: 101 Time/Room: TR 12:30 P.M. – 1:50 P.M. / 208 Ambler Learning Ctr. Course Coordinator: Dr. Howard Keen (“DRK”) Course Instructor: James Dooley Office Hours: By Appointment E-mail Address: jsdooley@verizon.net Office Telephone: 215-498-0157 Prerequisites |Economics 1101 (C051) and 1102 (C052); Accounting 2102 (0002) or 2521. Statistics 2101 (C021) or 2103. Any exception to the foregoing prerequisites can | |only be approved by the Department Chair. | | | | | | | |Course Description | | | | | This course provides a survey of the financial problems associated with the life cycle of a business firm. Topics include: financial analysis and planning, capital budgeting, cost of capital, and the sources and uses of business funds. While the emphasis is on decision making within a corporate environment, the tools taught in this course are just as relevant to other forms of business organization and to personal financial management. Course Objectives ...
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...Laurier has won School of the Year for the past 5 Years! ◦ Your donation today goes towards fueling win #6, thank you! 2 What is SOS? National organization with campus chapters run by student volunteers Run Exam-Aid sessions, which raise money to fund sustainable education projects in Latin America Email me at mcdo8210@mylaurier.ca for info on how to get involved! Visit lauriersos.com for info on more sessions. (EC120, MA129, PS101, AS101, and more!) Thank you for supporting! 3 Agenda •Social Factors • • • • Ethics CSR Managing Stakeholders Demographics •Political Factors • Going Long (Buy-Sell Transactions) • Margin Buying • Short Selling • Approx. Yield of Bonds •Time Value of Money • How Government Influences • Explanation of Concepts • Retirement Businesses, vice versa • Car Leasing • IP Rights • Bond Pricing • Types of Corporations • International Trade & •Technological Factors Globalization • Opportunities & Threats •Economic Factors 4 Recap: Critical Success Factors Achieving financial performance Meeting customer needs Building quality products and services Encouraging innovation and creativity Gaining employee commitment Creating a distinctive competitive advantage 5 Recap: Porter’s Five Forces Rivalry Among Existing Firms Potential Entrants Suppliers Buyers Substitutes 6 Recap: Diamond-E Management Preferences Organization Strategy Environment - PEST - Porter’s...
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...Using Financial and Business Calculators Daniel J. Borgia Table of Contents Texas Instruments (TI) BA-35 SOLAR . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Texas Instruments (TI) BA II PLUS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11 Hewlett Packard (HP) 12C . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .27 Hewlett Packard (HP) 17BII . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .39 Hewlett Packard (HP) 19BII . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .53 Using Financial and Business Calculators Most business and financial calculators offer a multitude of powerful functions. The purpose of this guide is to provide students with an easy and quick reference for some of the most commonly used financial functions. More detailed operational descriptions can be obtained from the owner’s manuals that accompany the calculators. This calculator guide discusses the basic functions of five business and financial calculators: the Texas Instruments (TI) BA-35 SOLAR, the Texas Instruments (TI) BA II PLUS, the Hewlett-Packard (HP) 12C, the Hewlett-Packard (HP) 17BII, and the HewlettPackard (HP) 19BII. The sections for each calculator present step-by-step instructions for using general and financial functions offered by each calculator. The calculations for each type of...
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...Professor's Bio COURSE DESCRIPTION AND PURPOSE The course is covered in two parts. In part one; we will have an overview of financial management and financial environment. We will analyze firm’s financial performance using financial ratio analysis. We will then discuss the time value of money (TVM) and use the concept of TVM in the valuation of bonds and stocks. In part two we will understand the methods for computing cash flows and the company’s cost of capital and then use them to learn capital budgeting which involves project selection decisions. COURSE OBJECTIVES The objective of this course is to give the students an operational knowledge of corporate finance by combining theory and applications. Introduce the concepts or risk, return, and time-value-of-money as applied to valuation of securities and capital budgeting. Here are the course level learning outcomes: 1. Perform Internet research and find relevant financial data. 2. Use information technology to assess the financial position of organizations. 3. Learn how to perform financial statement analysis. 4. Learn the mathematics of Time Value of Money. 5. Compute the price of bonds and the intrinsic value of stocks. 6. Learn the use of Capital Asset Pricing Model (CAPM). 7. Calculate firm’s cash flow using its income statement and balance sheet. 8. Learn project selection criterion. Week 1: Introduction to the Fundamental Concepts of Corporate Finance and Financial Statements 9. Students will be able to explain...
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...A book about Africa’s business success stories “Until lions learn to write, hunters will tell their history for them” Africa’s Greatest Entrepreneurs Review by David Fick Africa’s Greatest Entrepreneurs comprises a series of profiles on 16 of some of the most successful and dynamic business people to have emerged from across Africa, with a diverse range of ages and educational backgrounds. The first chapter is about (1) Wale Tinubu, who began an oil trading business working out of an office that doubled as his family’s garage. Using a loan from his mother as capital to build Oando, today, the company has a market capitalisation of $2bn and a presence in the industry across most of West Africa with interests in exploration, refining, distribution and power plant development. This might sound like an extraordinary rags-toriches story, but plenty more follow. We next learn about Ghana’s (2) Prince Kofi Amoabeng, who dropped a military career to pursue a profession in finance, evolving from an introductory service linking friends who had money to invest with those that needed to borrow for their businesses. Today, Amoabeng is the chief executive of Unique Trust, a company with a near $30m turnover and 300 employees, ranked as one of Ghana’s best-performing companies. Unique Trust is a non-bank financial Institution (Finance House) licensed by the Bank of Ghana. Founded in 1997, they aim at providing customers with fast and efficient short-term loans and real returns on investments...
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...Students: 7:00 p.m. – 9:30 p.m. Exam Time for UW Students: 7:30 p.m. – 10:00 p.m. Writing Locations posted at https://www.wlu.ca/~mibrahim/exams/FALL2011/BUSINESS.html Important Notice: If a student cannot write a business or economics final exam as scheduled, they must submit a "Petition for Exception to Academic Regulations" form to Ms Lee Leeman, Student and Petitions Coordinator, SBE1256. Supporting documentation will be required and verified. This permits equitable treatment for all students taking SBE courses. If appropriate circumstances are presented with appeals, students will be accommodated on either the SBE slip day or the next exam session. Exam Format: 20 Multiple Choice questions = 1 mark each 6 Short Answer questions, 2 to 6 marks each, choice in 1 question = 25 marks 7 Quantitative problems, 3 to 6.5 marks each, choice in 1 question = 35 marks 80 marks total TOPICS TO BE COVERED: (Items listed in red indicate quantitative problems) Economic Factors - four pillars of Canadian financial system – description, roles - Bank of Canada - description, tools for affecting money supply - bonds – characteristics (return, term, priority over stockholders), types, features, factors affecting price, calculating approximate yield to maturity, relationship between prevailing interest rates and bond prices, reading bond quotations - common stocks and preferred stocks – characteristics (return/dividends, term, priority in bankruptcy situations,...
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...FGB 380 Common Final Exam The final exam consists of 60 multiple choice and/or true false questions worth 2.5 points each. The 60 assessment items may include, but are not limited to the following: 1. The goal of the financial manager Chapter 1 Maximize stockholder’s wealth 2. Legal forms of business organization, with specific emphasis on the advantages/disadvantages of corporations Sole Proprietorship: a business owned by one individual (greatest in number of the forms) Advantages: Easiest to start, least regulated, single owner gets all profits, taxed as personal income Disadvantages: Limited to life of owner, equity capital limited to owner’s personal wealth, unlimited liability, difficult to sell ownership interest Partnership: Similar to sole proprietorship, except the business has more than one owner. Advantages: more capital available and relatively easy to start, taxation is simple (each owner reports their percentage of income Disadvantages: unlimited liability extends to both partners (joint and severally liable), difficult to raise capital, difficult to transfer ownership NOTE: A limited partnership limits the partners to their investment, but one partner has to be unlimitedly liable Corporation: a separate legal entity that exists apart from its owners (shareholders or stockholders). Most important in total sales, assets, profits, and contributions to national income. Advantages: limited...
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...Corporate Finance Notes * Chapter One: Introduce to Corporate Finance 1. Three Questions: A. What Long-term asset should be invested? Capital Budgeting B. How to raise cash for capital expenditures? Capital Structure C. How to manage short-term cash flow? Net Working Capital 2. Capital Structure: Marketing Value of Firm = MV of Debt + MV of Equity 3. Finance perspect and Accountant perspect: Finance: Cash Flow ! Accountant: A/R means profit ! 4. Sole proprietorship, parternership and corporation | 5. The goal of financial management: Maximize the current value per share of the existing stock. 6. Agency problem and Control of the Corporation Agency Relations: stockholders with management - agency cost Goal: Management has a significant incentive to act in the interests of stockholders. Conclusion: Stockholders control the firm and the stockholder wealth maximization is the relevant goal of the corporation . 7. Financial Market: Money Market & Capital Market Money Market: loosely connected markets – dealer markets. Core – market banks, government secutities dealers, money brokers 8. Financial Market: Primary Market & Secondary Market Primary Market: New Issues initially sell securities – public offerings and private placement IPO: underwriten by a syndicate (辛迪加, 财团) of IBs. Buy and sell for a higher price. Register in SEC. Private Placement: avoid the cost of preparing the registration...
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