...Considering the Present Tamara Spriggs PSY 202 October 5, 2014 Considering the Present In life I have encounter some life changing events, some was negative and somewhere positive. Either way it has made an impact on my life. I have overcome the obstacles that have come along the way and it had definitely shape me into the person I am today. In the paper I will discuss some past experiences of, which have influenced my abilities in online learning. Family and graduating from a low budget high school and the influences of Bronfenbrenner’s Ecological Systems Theory, which includes the theory of the microsystem and mesosystem (Mossler, 2013) assisted me with the ability to study online productively. I will discuss how my past experiences of family and living a healthy lifestyle have influenced my online learning in the present. Family Stepping out and getting married to start my own family, I knew changes and me adapting to a whole different environment was part of this new life. The fact that I was accepting the life as an Air force Wife I knew that I was going to have to make some scarifies. I was fine with making scarifies when the time came, but I didn’t want that to have to go towards my education. My husband understood and knew how going to school was important to me. So I went to a community college until I found out I was expecting my first child and my husband was getting deployed. So I had to put my school off due to the fact, it was impossible to accomplish...
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...Considering the Present Kanina Rollerson Ashford University: PSY 202 August 31, 2014 The first event that I choose was graduating high school. The reason I choose this event and experience is because no one in my family had ever graduated high school. My mother, father, nor my brother ever got a high school education. Although, my mother and father never married I can remember them both saying that they didn’t finish high school. My father got a GED but my mother still to this day doesn’t have either a high school diploma or GED. My brother just quit school at the age of 17 and took to the streets. So this was very important ordeal for me. I can also remember other family members say that I wasn’t going to graduate high school or I would come up pregnant while in high school because my circumstances was different than everyone in the family. I proved them all wrong and graduated high school without becoming pregnant and most of the one’s that was downing me their kids ended up pregnant in high school and didn’t graduate high school. The second experience I choose from my list was joining the Army when I graduated high school. The reason I choose this experience was because after I graduated high school I felt like I still had something that I had to prove to others. Just because my surroundings and environment was different from others doesn’t mean that I was going to succumb to my environment or surroundings. While in the Army I learned discipline, respect...
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...Considering The Present Name Adult Development Instructor: DATE The two events that I have chosen are when I started my first job and when I joined the Army. I selected my first job because it set the tempo for an event that would occur for the greater portion of my life. My first job was more of a culture shock and a training event that would show me what to expect from the world. I chose when I joined the Army because it was very positive in a long term stance. I learned a great majority of the discipline that I was going to need in the remainder of my life. The events that I selected both worked in unison to positively affect my outlook on life as a young adult. These events laid the foundation for me to build on that would help me to keep a focused outlook on my responsibilities as a man. My father use to tell me that if I was not to work then I should not expect to eat as a man. As a 16 year old boy I learned that becoming a man was not going to be the easiest task I have come across. As an 18 year old young man, going into the Army showed me the hardest portions of becoming a man and if I could achieve this then nothing else is outside of my grasp. Upon review of Bronfenbrenner’s rings I noticed that my experiences have touched all of his systems and were influenced by every last one of them as well. Initially starting my first job was a decision that directly influenced and was influenced by my microsystem. I decided to get a job to support myself and to make...
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...By considering the dramatic effects produced by action and language, evaluate how Shakespeare presents Lear and the storm in Act 3 Scene 2. Lear’s elder daughters have stripped him of his power and status, abandoning him to the dreadful storm. As his mind breaks down, he begins to see reality in a new light and to confront unpleasant truths. The style and structure of Lear’s speeches convey the king’s confused, violent state of mind. Shakespeare presents the audience with a man who is surrounded by anger, and a desire for revenge, but more positively, humility and a recognition of previous mistakes. Lear’s speeches in the storm, also reflect the movements of the storm. Lear’s opening line, is like a crack of thunder “Blow, winds, and crack your cheeks! Rage, blow” by using onomatopoeia On the Renaissance stage, the sound of thunder was created by rolling an iron ball on a sheet of metal, however Shakespeare is using Lear’s language to create the effects of the storm for the audience. Lear is the storm, his actions have led to misrule in the kingdom, and nature reflects that chaos. Shakespeare’s use of nature as a metaphor for the emotional turbulence within Lear, is effectively displayed in the speeches during the storm, “You sulph’rous and thought-executing fires, Vaunt- couriers of oak-cleaving thunderbolts.” Lear is encouraging the storm, to become even more violent and commanding the elements to bring about mass destruction. Lear’s phrase “oak-cleaving thunderbolts”...
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... Diamond Chemicals is considering two mutually exclusive projects, the Merseyside project and the Rotterdam project, for the production of polypropylene When considering the Merseyside project, senior-management wants a positive impact on earnings per share. The addition to earnings per share was £28,800 with an average addition of £2,000 per year2. Calculated with erosion, the addition to earnings per share was £18,800 with an average addition of £1,100 per year2. The payback period for the project was 3.10 years, when considering the erosion of Rotterdam, this would increase to 3.46 years2. The net present value of Merseyside is £15.61 million and when considering erosion, the net present value is £11.37 million2. The internal rate of return is 33%, with the erosion, it is 28.2%2. Based on these four criteria, Merseyside is a valid project to consider. When considering the Rotterdam project, the effect on earnings per share was £6,000 with an average addition of £2,100 per year4. With the erosion of Merseyside, the earnings per share would be -£2,700 with an average addition of £1,200 per year4. The payback period of the Rotterdam project would be 13.68 years and with erosion, it would be 14.24 years4. The net present value is -£3.24 million and when considering erosion, it was -£6.61 million4. The internal rate of return is 8.04% and with erosion 5.91%4. The Rotterdam project does not meet the criteria due to a negative net present value. After analyzing...
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...2011). In simple terms, it is the process of planning, analyzing, selecting, and managing capital investments (Baker, 2011). Although there are several techniques available for evaluating capital budgeting for projects acceptance, the best techniques identify the amount, the time value, and the risk factor of a project’s cash flows (Baker, 2011). Four of the more popular and most useful techniques that this paper will focus on are payback period, net present value (NPV), internal rate of return (IRR), and profitability index (IP). The first of the four techniques to review is the payback period method. Referred to as the “breakeven” point, the payback period technique is known as the simplest of the four as its only consideration is the length of time it will take to repay the initial investment (Mian, 2011). When considering independent projects the rule of acceptance is, “an acceptable project’s payback period must be less than that policy maximum, which is typically three years” (Lasher, 2011, p. 459). While when considering mutually exclusive projects the rule is the shorter the better. Although simplistic in its approach, the payback technique has its weaknesses. Its simple approach has two flaws; it ignores the time value of money as well as cash flow after the payback period (Lasher, 2011). On the other hand, the...
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...A PPO plan may propose either a lower deductible with a higher insurance payment or a high deductible with a lower premium. Covered members remit a copayment at the time of each medical service. Each individual may also have a per annual deductible to pay out-of-pocket. A patient may see an out-of-network doctor requiring a referral or preauthorization, but the deductible for out-of-network services may be higher, and the percentage plan will pay may be lower (Valerius, Bayes, Newby, Seggern, 2008). Healthcare organizations were initially intended to protect all basic services for an annual premium and visit copayments. This contract is called “first-dollar coverage” considering that no deductible is needed and patients do not make out-of-pocket payments. On account of expenses, still, HMOs may at the present time assign deductibles to family coverage, and employer-sponsored HMOs are also starting to restore copayment with coinsurance for some services (Valerius, Bayes, Newby, Seggern, 2008). HCR 230 Week 1 Assignment Features of Private Payers and Consumer Driven Health Plans Get Tutorial by Clicking on the...
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...following homework consists of questions followed by an answer form. All questions for this week are multiple choice or true/false. Questions (2-21) are worth four points each. Question one is worth two points. Fill in the answer form with the letter choice of your answer and submit it as a word document or text document (.txt). [1] A firm should never accept a project if its acceptance would lead to an increase in the firm's cost of capital (its WACC). [A] True [B] False [2] Because "present value" refers to the value of cash flows that occur at different points in time, a series of present values of cash flows should not be summed to determine the value of a capital budgeting project. [A] True [B] False [3] A basic rule in capital budgeting is that if a project's NPV exceeds its IRR, then the project should be accepted. [A] True [B] False [4] The internal rate of return is that discount rate that equates the present value of the cash outflows (or costs) with the present value of the cash inflows. [A] True [B] False [5] Other things held constant, an increase in the cost of capital will result in a decrease in a project's IRR. [A] True [B] False [6] A project’s IRR is...
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...you still work as a financial analyst for AirJet Best Parts, Inc. The company is considering a capital investment in a new machine and you are in charge of making a recommendation on the purchase based on (1) a given rate of return of 15% (Task 4) and (2) the firm’s cost of capital (Task 5). Task 4. Capital Budgeting for a New Machine A few months have now passed and AirJet Best Parts, Inc. is considering the purchase on a new machine that will increase the production of a special component significantly. The anticipated cash flows for the project are as follows: Year 1 $1,100,000 Year 2 $1,450,000 Year 3 $1,300,000 Year 4 $950,000 You have now been tasked with providing a recommendation for the project based on the results of a Net Present Value Analysis. Assuming that the required rate of return is 15% and the initial cost of the machine is $3,000,000. 1. What is the project’s IRR? IRR % IRR= 22.38% 2. What is the project’s NPV? NPV NPV= $3,450,866.74 3. Should the company accept this project and why (or why not)? I believe the company should look into this. The IRR is greater than the Required Rate of Return and the overall NPV is a gain. There does not appear to be a loss in this asset. 4. Explain how depreciation will affect the present value of the project. Depreciation would cause the project's PV to go up. This would be a good thing when considering the amount of taxes the company would save. 5. Provide examples of at least one...
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...Week One Individual Assignment Exercise 24-6A Determining net present value Travis Vintor is seeking part-time employment while he attends school. He is considering purchasing technical equipment that will enable him to start a small training services company that will offer tutorial services over the Internet. Travis expects demand for the service to grow rapidly in the first two years of operation as customers learn about the availability of the Internet assistance. Thereafter, he expects demand to stabilize. The following table presents the expected cash flows. Year of Operation | Cash Inflow | Cash Outflow | 2006 | $5,400 | $3,600 | 2007 | 7,800 | 4,800 | 2008 | 8,400 | 5,040 | 2009 | 8,400 | 5,040 | In addition to these cash flows, Mr. Vintor expects to pay $8,400 for the equipment. He also expects to pay $1,440 for a major overhaul and updating of the equipment at the end of the second year of operation. The equipment is expected to have a $600 salvage value and a four-year useful life. Mr. Vintor desires to earn a rate of return of 8 percent. Required: (Round computations to the nearest whole penny.) a. Calculate the net present value of the investment opportunity. NPV= t=1nFVt1+rt-P0 Inflows | Outflows | Incremental Revenue | Initial Investment | Cost Savings | Incremental expenses | Salvage values | Working capital commitments | Recovery of working capital | | Step 1: Cash Inflows Amount x Conversion Factor = PV ...
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...Problem 1: NPC is considering either to invest in a project for a new product immediately or 1 year later. If NPC invests in the project today, there will be 75% chance of good market acceptance of the product and 25% chance of bad market acceptance of the product. If market reaction to the new product is good, a cash inflow of $500 will be realized each year for the next 7 years. If market reaction to the new product is bad, a cash inflow of $25 will be realized each year for the next 7 years. However, if NPC chooses to wait for 1 year to obtain more information about market tastes, the company would know definitely about the market reaction and would then either proceed with the project or not invest in it at all. The initial cost of the project is $1,500 (million). a. Assuming that all cash flows are discounted at 10%, if NPC chooses to wait a year before proceeding, how much will this increase or decrease the project's expected NPV in today's dollars (i.e., at t = 0), relative to the NPV if it proceeds today? Problem 2: a. Garner-Wagner is considering investing in a project that requires an investment of $3,000,000. The project will generate a cash inflow of 500,000 per year for the next 5 years. The cost of capital is 10%. What is the project's net present value? b. If Garner-Wagner goes ahead with this project today, it will obtain knowledge that will give rise to additional opportunities 5 years from now (at t = 5). The company can decide at t...
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... June 16, 2013 Euthyphro is Socrates' most primitive dialogues as scripted by Plato. In this specific dialogue Socrates is debating alongside Euthyphro, a spiritual expert in Athens at the time. The subject of converse is considering Piety or the trusted of holiness. The trusted emerges as such - Socrates meets Euthyphro beyond the Athenian courthouse and flatters Euthyphro because the last was in the courts to prosecute his own father who is blamed of unintentionally killing a pugnacious and murderous retained hand of the family. He flatted Euthyphro by saying the Euthyphro have to comprehend all that their eyes to comprehend considering faith if he was given such a task and if he is indeed such an expert, Socrates wishes to notice from him. This begins the converse alongside regards to piety or holiness in the dialogue as instantly, Euthyphro falls into the Socratic trap. Piety or Holiness is the persecution of the convicts and sinners and spiritual offenders. The opposite subsequently of not persecuting or disciplining them, in spite of their offense is unholy. This is Euthyphro's main definition. Socrates nevertheless trusted that this is flawed because as Eutyphro endowed good examples, he merely conversations considering deeds that are divine and does not itself delineate holiness. This grasped Euthyphro to give a meaning by that holiness can be adjudged. This meaning is #2 below. ‘ Piety or Holiness is concurred by the Deities - this meaning by Euthyphro...
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...zero, this means that: A. the net present value of the project is equal to zero. B. the internal rate of return of the project is equal to the discount rate. C. the payback period of the project is equal to the project's useful life. D. both A and B above are true. 2. If the net present value of a project is zero based on a discount rate of 16%, then the internal rate of return is: A. equal to 16%. B. less than 16%. C. greater than 16%. D. cannot be determined from this data. 3. Heap Company is considering an investment in a project that will have a two year life. The project will provide a 10% internal rate of return, and is expected to have a $40,000 cash inflow the first year and a $50,000 cash inflow in the second year. What investment is required in the project? A. $74,340 B. $77,660 C. $81,810 D. $90,000 Year 1=40000*.3909=36360 Year 2=50000*.826=41300 Total 77660 4. Congener Beverage Corporation is considering an investment in a capital budgeting project that has an internal rate of return of 20%. The only cash outflow for this project is the initial investment. The project is estimated to have an 8 year life and no salvage value. Cash inflows from this project are expected to be $100,000 per year in each of the 8 years. Congener's discount rate is 16%. What is the net present value of this project? A. $5,215 B. $15,464 C. $50,700 D. $55,831 Internal ROI= Initial INV/Annual Inflows Find net present value for $1 in arrears for 8 years...
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...Stryker Corporation is considering a proposal in response to the difficulties with existing suppliers. Requires students to formulate and carry out basic quantitative analysis of the budget of the capital, in particular, to calculate the net present value (NPV) Internal Rate of Return (IRR) and the payback period. “Hide by Timothy A. Luehrman Source: Harvard Business School 6 pages. Publication Date: May 25, 2007. Prod. #: 207121-PDF-ENGConsiders the proposed investment in the ability to produce printed circuit boards (PCB) at home instead of buying them from a third-party contract. Business intelligence tools Stryker Corporation is considering a proposal in response to the difficulties with existing suppliers. Requires students to formulate and carry out basic quantitative analysis of the budget of the capital, in particular, to calculate the net present value (NPV) Internal Rate of Return (IRR) and the payback period. “Hide by Timothy A. Luehrman Source: Harvard Business School 6 pages. Publication Date: May 25, 2007. Prod. #: 207121-PDF-ENGConsiders the proposed investment in the ability to produce printed circuit boards (PCB) at home instead of buying them from a third-party contract. Business intelligence tools Stryker Corporation is considering a proposal in response to the difficulties with existing suppliers. Requires students to formulate and carry out basic quantitative analysis of the budget of the capital, in particular, to calculate the net present value (NPV) Internal...
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...difference between these two values called? A. net present value B. internal return C. payback value D. profitability index E. discounted payback The length of time a firm must wait to recoup the money it has invested in a project is called the: A. internal return period. B. payback period. C. profitability period. D. discounted cash period. E. valuation period. The internal rate of return is defined as the: A. maximum rate of return a firm expects to earn on a project. B. rate of return a project will generate if the project in financed solely with internal funds. C. discount rate that equates the net cash inflows of a project to zero. D. discount rate which causes the net present value of a project to equal zero. E. discount rate that causes the profitability index for a project to equal zero. Rossiter Restaurants is analyzing a project that requires $180,000 of fixed assets. When the project ends, those assets are expected to have an aftertax salvage value of $45,000. How is the $45,000 salvage value handled when computing the net present value of the project? A. reduction in the cash outflow at time zero B. cash inflow in the final year of the project C. cash inflow for the year following the final year of the project D. cash inflow prorated over the life of the project E. not included in the net present value The internal rate of return is: A. the discount rate that makes the net present value of a project equal to the initial cash outlay...
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