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Question

Contrast interleaved and blocked practice.

Answer

In the sequence ABCABCABC, two intervening items (i.e., B and C) come before each recurrence of a given item (i.e., A). Such an arrangement, in which different kinds of items inter-mix during practice, is termed interleaved practice. In contrast, blocked practice groups the same kinds of items together during practice (e.g., AAABBBCCC).

status | not learned | measured difficulty | 37% [default] | last interval [days] | |||
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repetition number in this series | 0 | memorised on | scheduled repetition | ||||

scheduled repetition interval | last repetition or drill |

Tags

#summary #tvm

Question

The present value of a perpetuity is A/r, where *A* is **[...]**

Answer

the periodic payment to be received forever.

status | not learned | measured difficulty | 37% [default] | last interval [days] | |||
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repetition number in this series | 0 | memorised on | scheduled repetition | ||||

scheduled repetition interval | last repetition or drill |

The present value of a perpetuity is A/r, where A is the periodic payment to be received forever.

may be handled in a similar fashion as single payments if we use annuity factors instead of single-payment factors. The present value, PV, is the future value, FV, times the present value factor, (1 + r) − N . <span>The present value of a perpetuity is A/r, where A is the periodic payment to be received forever. It is possible to calculate an unknown variable, given the other relevant variables in time value of money problems. The cash flow additivity principle c

Tags

#discounted-cashflow-applications

Question

The **[...]** is the market for short-term debt instruments (one-year maturity or less).

Answer

status | not learned | measured difficulty | 37% [default] | last interval [days] | |||
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repetition number in this series | 0 | memorised on | scheduled repetition | ||||

scheduled repetition interval | last repetition or drill |

Tags

#discounted-cashflow-applications

Question

Answer

status | not learned | measured difficulty | 37% [default] | last interval [days] | |||
---|---|---|---|---|---|---|---|

repetition number in this series | 0 | memorised on | scheduled repetition | ||||

scheduled repetition interval | last repetition or drill |

Tags

#discounted-cashflow-applications

Question

The **[...]** of a T-bill is the amount the US government promises to pay back to a T-bill investor.

Answer

status | not learned | measured difficulty | 37% [default] | last interval [days] | |||
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repetition number in this series | 0 | memorised on | scheduled repetition | ||||

scheduled repetition interval | last repetition or drill |

status | not read | reprioritisations | ||
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last reprioritisation on | reading queue position [%] | |||

started reading on | finished reading on |

#duchowy #formacja #psychologia #rozwojowa #rozwój #wychowanie #wzrost

Ludzie tak usposobieni studiują teolo- giczne traktaty, mając nadzieję na nawiązanie relacji z Bogiem po- przez rozum, ponieważ zbyt obawiają się więzi poprzez serce.

status | not read | reprioritisations | ||
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last reprioritisation on | reading queue position [%] | |||

started reading on | finished reading on |

status | not read | reprioritisations | ||
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last reprioritisation on | reading queue position [%] | |||

started reading on | finished reading on |

status | not read | reprioritisations | ||
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last reprioritisation on | reading queue position [%] | |||

started reading on | finished reading on |

status | not read | reprioritisations | ||
---|---|---|---|---|

last reprioritisation on | reading queue position [%] | |||

started reading on | finished reading on |

#duchowy #formacja #psychologia #rozwojowa #rozwój #wychowanie #wzrost

Jako człowiek dorosły musisz być sobą i być równy z innymi doro- słymi (to sedno tego rozdziału). Obydwa zadania wymagają przeciw- stawienia się matce i odnalezienia siebie. Pierwsze zadanie dotyczy tego, na ile jesteś oddzielony od matki i różny od niej, drugie wymaga zamknięcia pewnego etapu i stanięcia na tej samej płaszczyźnie, co matka. Obydwoje jesteście dorośli i żadne z was nie ma prawa sądzić drugiego.

status | not read | reprioritisations | ||
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last reprioritisation on | reading queue position [%] | |||

started reading on | finished reading on |

status | not read | reprioritisations | ||
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last reprioritisation on | reading queue position [%] | |||

started reading on | finished reading on |

#duchowy #formacja #psychologia #rozwojowa #rozwój #wychowanie #wzrost

Czas na wyzwolenie się z relacji „zawsze gorszy” czy „zawsze lep- szy” zarówno w stosunku do mamy, jak i do innych dorosłych. Czas dorosnąć do równości z innymi.

status | not read | reprioritisations | ||
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last reprioritisation on | reading queue position [%] | |||

started reading on | finished reading on |

#has-images #reading-6-tvm

When you make a single investment today, its future value, received N years from now, is as follows:
**compounding**.
**HP 12C Settings**
...

- FV = future value at time n
- PV = present value
- r = interest rate per period
- N = number of years

In order to receive a single future cash flow N years from now, you must make an investment today in the following amount:

Notice that the future cash flow is discounted back to the present. Therefore, the interest rate is called the **discount rate**.

You should be able to calculate PVs and FVs using your calculator.

- N = number of periods
- I/Year = yield in market place or the required rate of return
- PV = present value
- PMT = payment amount per period
- FV = the future value of the investment

*Example 1*

An analyst invests $5 million in a 5-year certificate of deposit (CD) at a local financial institution. The CD promises to pay 7% per year compounded annually. The institution also allows him to reinvest the interest at the same CD rate for the duration of the CD. How much will the analyst have at the end of five years if his money remains invested at 7% for five years with no withdrawals of interest?

Before using the Texas Instruments BAII PLUS and HP 12C calculator, it is essential to ensure that your settings are correct. The default settings on the calculator are not necessarily the settings you need when making the calculations. Follow these steps to ensure that your calculator is correctly set.

**Texas Instruments BAII PLUS Settings**

- Press 2nd QUIT 2nd [CLR TVM] to clear the worksheet.
- Press 2nd [P/Y] to enter payments per year and/or compounding periods per year.
- The P/Y label and current value are displayed. The default value is 12. You must now key in 1 and then ENTER since you want 1 payment per year.
- If the question says there are 12 payments per year, you would change this to 12.

- Turn the calculator on by pressing the ON key.
- Clear the memory and set decimals to 2 places by pressing the following keys:
- CLEAR REG f 2 - 0.00 will display.
- CLEAR FIN - this clears all the data in the financial mode.

The calculator keys to press are:

If you are given the FV and need to solve for PV, the calculator keys to press are:

**When compounding periods are not annual**

Some investments pay interest more than once a year. When you calculate these amounts, make sure that periodic interest rates correspond to the number of compounding periods in the year. For example, if time periods are quoted in quarters, quarterly interest rates should be used.

**When compounding periods are other than annual**

status | not read | reprioritisations | ||
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last reprioritisation on | reading queue position [%] | |||

started reading on | finished reading on |

Tags

#has-images #reading-6-tvm

Question

When you make a single investment today, its future value, received N years from now, is as follows:

Answer

status | not learned | measured difficulty | 37% [default] | last interval [days] | |||
---|---|---|---|---|---|---|---|

repetition number in this series | 0 | memorised on | scheduled repetition | ||||

scheduled repetition interval | last repetition or drill |

When you make a single investment today, its future value, received N years from now, is as follows: FV = future value at time n PV = present value r = interest rate per period N = number of years A key assumption of the future valu

Tags

#reading-6-tvm

Question

A key assumption of the future value formula is that **[...]** .

Answer

interim interest earned is reinvested at the given interest rate (r)

status | not learned | measured difficulty | 37% [default] | last interval [days] | |||
---|---|---|---|---|---|---|---|

repetition number in this series | 0 | memorised on | scheduled repetition | ||||

scheduled repetition interval | last repetition or drill |

make a single investment today, its future value, received N years from now, is as follows: FV = future value at time n PV = present value r = interest rate per period N = number of years <span>A key assumption of the future value formula is that interim interest earned is reinvested at the given interest rate (r). This is known as compounding. In order to receive a single future cash flow N years from now, you must make an investment today in the following amount:

Tags

#has-images #reading-6-tvm

Question

In order to receive a single future cash flow N years from now, you must make an investment today in the following amount:

Answer

status | not learned | measured difficulty | 37% [default] | last interval [days] | |||
---|---|---|---|---|---|---|---|

repetition number in this series | 0 | memorised on | scheduled repetition | ||||

scheduled repetition interval | last repetition or drill |

e n PV = present value r = interest rate per period N = number of years A key assumption of the future value formula is that interim interest earned is reinvested at the given interest rate (r). This is known as compounding. <span>In order to receive a single future cash flow N years from now, you must make an investment today in the following amount: Notice that the future cash flow is discounted back to the present. Therefore, the interest rate is called the discount rate. You sh

Tags

#reading-6-tvm

Question

For investments that pay interest more than once a year you should make sure that **[...]** correspond to the **[...]**

Answer

periodic interest rates

number of compounding periods in the year.

number of compounding periods in the year.

status | not learned | measured difficulty | 37% [default] | last interval [days] | |||
---|---|---|---|---|---|---|---|

repetition number in this series | 0 | memorised on | scheduled repetition | ||||

scheduled repetition interval | last repetition or drill |

ulator keys to press are: If you are given the FV and need to solve for PV, the calculator keys to press are: When compounding periods are not annual <span>Some investments pay interest more than once a year. When you calculate these amounts, make sure that periodic interest rates correspond to the number of compounding periods in the year. For example, if time periods are quoted in quarters, quarterly interest rates should be used. When compounding periods are other than annual

Tags

#has-images #reading-6-tvm

Question

**When compounding periods are other than annual the formula is:**

Answer

status | not learned | measured difficulty | 37% [default] | last interval [days] | |||
---|---|---|---|---|---|---|---|

repetition number in this series | 0 | memorised on | scheduled repetition | ||||

scheduled repetition interval | last repetition or drill |

. When you calculate these amounts, make sure that periodic interest rates correspond to the number of compounding periods in the year. For example, if time periods are quoted in quarters, quarterly interest rates should be used. <span>When compounding periods are other than annual r s = the quoted annual interest rate m = the number of compounding periods per year N = the number of years. Example 2 An analyst invests $5 million in a 5-year certificate of deposit (CD) at a local financial institution. The CD promises to pay 7% per year, compounded semi-a

Tags

#has-images #reading-6-tvm

Question

- r
_{s}=**[...]** - m =
**[...]** - N =
**[...]**

Answer

r_{s} = the quoted annual interest rate

m = the number of compounding periods per year

N = the number of years.

m = the number of compounding periods per year

N = the number of years.

status | not learned | measured difficulty | 37% [default] | last interval [days] | |||
---|---|---|---|---|---|---|---|

repetition number in this series | 0 | memorised on | scheduled repetition | ||||

scheduled repetition interval | last repetition or drill |

. When you calculate these amounts, make sure that periodic interest rates correspond to the number of compounding periods in the year. For example, if time periods are quoted in quarters, quarterly interest rates should be used. <span>When compounding periods are other than annual r s = the quoted annual interest rate m = the number of compounding periods per year N = the number of years. Example 2 An analyst invests $5 million in a 5-year certificate of deposit (CD) at a local financial institution. The CD promises to pay 7% per year, compounded semi-a

Tags

#has-images #reading-6-tvm

Question

If the number of compounding periods becomes infinite, interest is compounding continuously. Accordingly, the future value N years from now is computed as follows:

Answer

status | not learned | measured difficulty | 37% [default] | last interval [days] | |||
---|---|---|---|---|---|---|---|

repetition number in this series | 0 | memorised on | scheduled repetition | ||||

scheduled repetition interval | last repetition or drill |

t? The calculator keys to press are: Note that the answer is greater than when the compounding was annual. This is because interest is earned twice a year instead of only once. <span>If the number of compounding periods becomes infinite, interest is compounding continuously. Accordingly, the future value N years from now is computed as follows: <span><body><html>

Tags

#excel

Question

Para que sirve la funcion countif?

Answer

Para devolver el numero de celdas que tienen una palabra específica

status | not learned | measured difficulty | 37% [default] | last interval [days] | |||
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repetition number in this series | 0 | memorised on | scheduled repetition | ||||

scheduled repetition interval | last repetition or drill |

Tags

#excel

Question

Como debe de escribirse el criterio en la funcion countif?

Answer

entre comillas

status | not learned | measured difficulty | 37% [default] | last interval [days] | |||
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repetition number in this series | 0 | memorised on | scheduled repetition | ||||

scheduled repetition interval | last repetition or drill |

Tags

#excel

Question

En la funcion countif la palabra (criteria) es sensible a mayusculas?

Answer

no

status | not learned | measured difficulty | 37% [default] | last interval [days] | |||
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repetition number in this series | 0 | memorised on | scheduled repetition | ||||

scheduled repetition interval | last repetition or drill |

#has-images #reading-6-tvm

**Ordinary annuity** has a first cash flow that occurs one period from now (indexed at t = 1). In other words, the payments occur at the end of each period.

**Future value of a regular annuity**where

- A = annuity amount
- N = number of regular annuity payments
- r = interest rate per period

**Present value of a regular annuity**

**Future value of an annuity due**This consists of two parts: the future value of one annuity payment now, and the future value of a regular annuity of (N -1) period. Calculate the two parts and add them together. Alternatively, you can use this formula:

Note that, all other factors being equal, the future value of an annuity due is equal to the future value of an ordinary annuity multiplied by (1 + r).

**Present value of an annuity due**This consists of two parts: an annuity payment now and the present value of a regular annuity of (N - 1) period. Use the above formula to calculate the second part and add the two parts together. This process can also be simplified to a formula:

Note that, all other factors being equal, the present value of an annuity due is equal to the present value of an ordinary annuity multiplied by (1 + r).

A **perpetuity** is a perpetual annuity: an ordinary annuity that extends indefinitely. In other words, it is an infinite set of sequential cash flows that have the same value, with the first cash flow occurring one period from now.

This equation is valid for a perpetuity with level payments, positive interest rate r. The first payment occurs one period from now (like a regular annuity). An example of a perpetuity is a stock paying constant dividends.

*Example: Future value of a regular annuity*

An analyst decides to set aside $10,000 per year in a conservative portfolio projected to earn 8% per annum. If the first payment he makes is one year from now, calculate the accumulated amount at the end of 10 years.

**Method 1: Using a formula**

- Identify the given variables: A = 10,000, r = 0.08, N = 10
- Identify the appropriate formula: FV = A x {[(1 + r)
^{N}- 1] / r} - Solve for the unknown: FV = 10,000 {[(1 + 0.08)
^{10}- 1] / 0.08} = $144,865

Texas Instruments settings:

- 2nd P/Y = 1 and key in 1 ENTER.
- SET END since this is a regular annuity. You do this by pressing 2nd BGN 2nd SET until you see END displaying. Press 2nd SET twice if necessary. After setting to END, you mu

status | not read | reprioritisations | ||
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last reprioritisation on | reading queue position [%] | |||

started reading on | finished reading on |

Tags

#reading-6-tvm

Question

Answer

status | not learned | measured difficulty | 37% [default] | last interval [days] | |||
---|---|---|---|---|---|---|---|

repetition number in this series | 0 | memorised on | scheduled repetition | ||||

scheduled repetition interval | last repetition or drill |

Annuity is a finite set of sequential cash flows, all with the same value. Ordinary annuity has a first cash flow that occurs one period from now (indexed at t = 1). In other words, the payments occur at the end of each period. Future value

Tags

#has-images #reading-6-tvm

Question

Answer

status | not learned | measured difficulty | 37% [default] | last interval [days] | |||
---|---|---|---|---|---|---|---|

repetition number in this series | 0 | memorised on | scheduled repetition | ||||

scheduled repetition interval | last repetition or drill |

ity is a finite set of sequential cash flows, all with the same value. Ordinary annuity has a first cash flow that occurs one period from now (indexed at t = 1). In other words, the payments occur at the end of each period. <span>Future value of a regular annuity where A = annuity amount N = number of regular annuity payments r = interest rate per period Present valu

Tags

#has-images #reading-6-tvm

Question

Answer

status | not learned | measured difficulty | 37% [default] | last interval [days] | |||
---|---|---|---|---|---|---|---|

repetition number in this series | 0 | memorised on | scheduled repetition | ||||

scheduled repetition interval | last repetition or drill |

he end of each period. Future value of a regular annuity where A = annuity amount N = number of regular annuity payments r = interest rate per period <span>Present value of a regular annuity Annuity due has a first cash flow that is paid immediately (indexed at t = 0). In other words, the payments occur at the beginning of

Tags

#has-images #reading-6-tvm

Question

(without calculating the 2 parts)

Answer

status | not learned | measured difficulty | 37% [default] | last interval [days] | |||
---|---|---|---|---|---|---|---|

repetition number in this series | 0 | memorised on | scheduled repetition | ||||

scheduled repetition interval | last repetition or drill |

sent value of a regular annuity Annuity due has a first cash flow that is paid immediately (indexed at t = 0). In other words, the payments occur at the beginning of each period. <span>Future value of an annuity due This consists of two parts: the future value of one annuity payment now, and the future value of a regular annuity of (N -1) period. Calculate the two parts and add them together. Alternatively, you can use this formula: Note that, all other factors being equal, the future value of an annuity due is equal to the future value of an ordinary annuity multiplied by

Tags

#reading-6-tvm

Question

If you forget the formula how can you calculate the FV of an annuity due?

Answer

This consists of two parts: the future value of one annuity payment now, and the future value of a regular annuity of (N -1) period.

status | not learned | measured difficulty | 37% [default] | last interval [days] | |||
---|---|---|---|---|---|---|---|

repetition number in this series | 0 | memorised on | scheduled repetition | ||||

scheduled repetition interval | last repetition or drill |

sent value of a regular annuity Annuity due has a first cash flow that is paid immediately (indexed at t = 0). In other words, the payments occur at the beginning of each period. <span>Future value of an annuity due This consists of two parts: the future value of one annuity payment now, and the future value of a regular annuity of (N -1) period. Calculate the two parts and add them together. Alternatively, you can use this formula: Note that, all other factors being equal, the future value of an annuity due is equal to the future value of an ordinary annuity multiplied by

Tags

#reading-6-tvm

Question

If caeteris paribus, the future value of an annuity due is equal to the **[...]**

Answer

future value of an ordinary annuity multiplied by (1 + r).

status | not learned | measured difficulty | 37% [default] | last interval [days] | |||
---|---|---|---|---|---|---|---|

repetition number in this series | 0 | memorised on | scheduled repetition | ||||

scheduled repetition interval | last repetition or drill |

future value of one annuity payment now, and the future value of a regular annuity of (N -1) period. Calculate the two parts and add them together. Alternatively, you can use this formula: Note that, <span>all other factors being equal, the future value of an annuity due is equal to the future value of an ordinary annuity multiplied by (1 + r). Present value of an annuity due This consists of two parts: an annuity payment now and the present value of a regular annuity of (N - 1) period. Use the a

Tags

#has-images #reading-6-tvm

Question

(without breaking it in 2)

Answer

status | not learned | measured difficulty | 37% [default] | last interval [days] | |||
---|---|---|---|---|---|---|---|

repetition number in this series | 0 | memorised on | scheduled repetition | ||||

scheduled repetition interval | last repetition or drill |

u can use this formula: Note that, all other factors being equal, the future value of an annuity due is equal to the future value of an ordinary annuity multiplied by (1 + r). <span>Present value of an annuity due This consists of two parts: an annuity payment now and the present value of a regular annuity of (N - 1) period. Use the above formula to calculate the second part and add the two parts together. This process can also be simplified to a formula: Note that, all other factors being equal, the present value of an annuity due is equal to the present value of an ordinary annuity multiplied

Tags

#reading-6-tvm

Question

All other factors being equal, the present value of an annuity due is equal to **[...]**

Answer

the present value of an ordinary annuity multiplied by (1 + r)

status | not learned | measured difficulty | 37% [default] | last interval [days] | |||
---|---|---|---|---|---|---|---|

repetition number in this series | 0 | memorised on | scheduled repetition | ||||

scheduled repetition interval | last repetition or drill |

e present value of a regular annuity of (N - 1) period. Use the above formula to calculate the second part and add the two parts together. This process can also be simplified to a formula: Note that, <span>all other factors being equal, the present value of an annuity due is equal to the present value of an ordinary annuity multiplied by (1 + r). Hint: Remember these formulas - you can use them to solve annuity-related questions directly, or to double-check the answers given by your calculator. A perpe