Fin U02A2 Time, Value and Money - 610 Words

TIME VALUE OF MONEY: ANNUITY CASH FLOWS FIN u02a2 Would you rather have a savings account that paid interest compounded on a monthly basis, or one that compounded interest on an annual basis? Why? Compound interest arises when interest is added to the principal. Therefore, the interest that has been added also earns interest. This addition of interest to the principal is called compounding. If the savings account has $1,000 initial principal and 20% interest per year, the account will have a balance of $1200 at the end of the first year, $1440 at the end of the second year. Frequent or monthly compounding increases the future value (Cornett, Adair, amp; Nofsinger, 2014, page 109-110). What is an amortization schedule and what are†¦show more content†¦This means that the payments that are made at the end of every period are called ordinary annuity. This is because ordinary annuity is the usual state of affairs. Under normal circumstances all annuities are paid at the end of the period. Therefore, when annuity payments are made in advance, like in house rents, they are called annuity due. The difference in the formula to calculate the two different types of annuities is very small (Cornett, Adair, amp; Nofsinger, 2014, page 108). What is the future value of a $ 500 annuity payment over five years if interest rates are 9 percent? Recalculate the future value at 8 percent interest, and again at 10 percent interest. FVA5 = $500 x (1+0.09)5 -1 = $500 x 5.9847 = $2,992.36 0.09 FVA5 = $500 x (1 + 0.08)5 -1 = $500 x 5.8666 = $2,933.30 0.08 FVA5 = $500 x (1 + 0.10)5 – 1 = $500 x 6.1051 =$3,052.55 0.10 What is the present value of a $700 annuity payment over four years if interest rates are 10 percent? Recalculate the present value at 9 percent interest, and again at 11 percent interest. PVA4 = $700 x 1 – __1____ (1 + 0.10)4 = $700 x 3.1698655 = $2,218.91 0.10 PVA4 = $700 x 1 – __1__

Cease, Seize, and Siege Definitions, Examples, Exercises

The verb cease (rhymes with peace) means to stop, discontinue, or bring to an end. The noun cease-fire means a temporary suspension of fighting. The verb seize (rhymes with sneeze) means to confiscate, take hold of, or take by force. The compound verb seize up means to come to a sudden stop. The phrase seize on (or upon) means to take notice of something. The noun siege ​(rhymes with liege) refers to a persistent attack or blockade or encirclement of a town or fortress. Examples Women are not powerless. We must cease to think of ourselves that way. - Alice Walker, The Cushion in the Road. The New Press, 2013The moments of happiness we enjoy take us by surprise. It is not that we seize them, but that they seize us. - Attributed to Ashley Montagu[E]very week in that poisonous atmosphere was a year off a mans life. Robots were not allowed in there; they would seize up, and they were too expensive to risk.- Brian W. Aldiss, Earthworks. Faber Faber, 1965The police crouched down behind the cruiser, trading shots. Chief Chad was huddled beside the corner of the Osbornes, shouting into his radio. The siege lasted an hour.​ - John Updike, The Tarbox Police. The Early Stories: 1953-1975. Random House, 2003 Practice (a) He came not merely to detest his own brothers, and to _____ speaking with them for more than thirty years, but to take pleasure in wishing them ill. (b) When Roddie ventured out, it would often be to attend town meetings in a bid to make sure that the village wasnt going to be the site for a supermarket or six-lane superhighway. Despite his view that our community was under _____ from developers, as well as itinerant tinkers and professional burglars, I always did my best to be a good neighbor. (c) Sometimes in this life, only one or two real opportunities are put before us, and we must _____ them, no matter the risk. Answers to Practice Exercises (a) He came not merely to detest his own brothers, and to  cease  speaking with them for more than thirty years, but to take pleasure in wishing them ill. - Nicholas Fox Weber,  The Clarks of Cooperstown. Knopf, 2007 (b) When Roddie ventured out, it would often be to attend town meetings in a bid to make sure that the village wasnt going to be the site for a supermarket or six-lane superhighway. Despite his view that our community was under  siege  from developers, as well as itinerant tinkers and professional burglars, I always did my best to be a good neighbor. - Matt Whyman,  Oink: My Life With Mini-Pigs. Simon Schuster, 2011 (c) Sometimes in this life, only one or two real opportunities are put before us, and we must  seize  them, no matter the risk. - Andre Dubus III,  House of Sand and Fog. W. W. Norton, 1999

Alzheimer s Disease The Most Common Type Of Dementia Essay

Alzheimer’s disease is an irreversible, neurodegenerative disease that affects the brain causing progressive memory loss and destroys thinking skills. Alzheimer’s is the most common type of dementia, which is a general term used to describe disorders that affects brain functions. Alzheimer’s disease is caused by formations of plaques and tangles in the brain. A dangerous protein called beta-amyloid tends to build up over time in the brain. As this protein molecule accumulates, they start to form plaques, which can damage and destroy brain cells. While plaques affect the spaces between the brain cells, an abnormal protein known as â€Å"tau† starts affecting inside the brain cell itself. â€Å"Tau tangles can interfere with the transportation of nutrients in and out of the cells, causing brain cells to degenerate and die† (Kosik Bowman, 2015, p. 5). Some common symptoms for Alzheimer’s include memory loss, constantly misplacing things, unable to remember the names of family members, unable to communicate properly, and losing the ability to complete simple daily tasks. Alzheimer’s disease is a fatal disease, but patients don’t die from the disease itself. Advanced Alzheimer’s increases vulnerability and increases the chance of developing infections that soon lead to death. The Progression of Alzheimer’s Disease Dementia is a general term that is used to describe a disease or disorder that affects normal brain function by a decline in metal ability that can interfere with dailyShow MoreRelatedAlzheimer s Disease Is The Most Common Type Of Dementia1498 Words   |  6 Pages1. Alzheimer’s Disease a. Alzheimer’s disease is the most common type of dementia b. Dementia is a term used to describe the disorders that affect the brain such as in memory loss. c. Alzheimer’s is a neurodegenerative brain disorder causing progressive memory loss and destroys thinking skills. d. First discovered by Alois Alzheimer (a German physician) who first discovered the disease in 1906. (Alzheimer’s and Dementia) e. First discovered, while Alois was preforming an autopsy on a woman whoRead MoreThe Common Types Of Dementia1013 Words   |  5 PagesDementia can be defined as a decline in mental ability severe enough to interfere with daily life (alz.org). More than often, individuals affected by dementia are over the age of 65. In the United States, there are more than three million cases of dementia each year. According to World Health Organization, the number of people living with dementia is currently estimated at 47.5 million worldwide and is expected to increase to 75.6 million by 2030 (World Health Organization 2015). Dementia is causedRead MoreDementia And Alzheimer s Dementia995 Words   |  4 PagesDementia and Alzheimer s Dementia and Alzheimer’s was discovered by Dr. Alois Alzheimer. He discovered both of them, dementia is like Alzheimer’s just not as severe. Dementia has several different types, these include Alzheimer s disease, vascular dementia, Lewy body dementia and Front temporal dementia. The first changes you notice with dementia is Cognitive changes. These include memory loss, difficulty communicating or finding words, difficulty with complex tasks, difficulty with planningRead MoreThe Disease Of Alzheimer s Disease1677 Words   |  7 Pagesone thing Alzheimer s cannot take away, and that is love. Love is not a memory - it s a feeling that resides in your heart and soul.† (Fade to Blank). The human brain is a remarkably complex organ that processes, stores, and recalls information. â€Å"Alzheimer s disease (AD) is a slowly progressive disease of the brain that is characterized by impairment of memory and eventually by disturbances in reasoning, planning, language, and perception. Many scientists believe that Alzheimer s disease resultsRead MoreAlzheimer s Disease Is An Ongoing Condition That Destroys The Connection Of Cells1689 Words   |  7 PagesAlzheimer s disease is an ongoing condition that destroys the connection of cells in the brain. According to the Alzheimer’s Foundation of America (AFA), it is estimated that as many as 5.1 million America ns have Alzheimer s disease today. Alzheimer s disease was discovered by a German physician named Alois Alzheimer. In 1906, Dr. Alzheimer saw changes in the brain tissue of a woman who died from what he presumed to be a mental illness. He described her symptoms as memory loss, language complicationsRead MoreDementia Is The Only Cause Death That Does Not Have A Cure972 Words   |  4 PagesDementia is the only cause of death that does not have a cure and cannot be prevented. It is the loss of mental functions such as thinking, memory, and reasoning that is severe enough to interfere with a person s daily functioning. Dementia is not the name of a specific disease itself, but rather a group of symptoms that are caused by various diseases or conditions. This is referred to as an umbrella term, a phrase that covers a broad interval or set of functions or items that all fall under a singleRead MoreAlzheimer s Disease Is The Most Common Form Of Dementia1086 Words   |  5 PagesDo you know what alzheimer’s disease is? Alzheimer’s disease is the most common form of dementia. It is the seventh leading cause of death in the United States, and the fifth leading cause of death in ages 65 and older. â€Å"2010 Alzheimer s Disease Facts and Figures. Rep. Vol. 6. Chicago: Alzheimer s Association, 2010. Print. Alzheimer s and Dementia.† This disease is the deterioration of the brain that can, and probably will lead to brain loss that cannot be reversed. It is a very slow decline thatRead MoreIs Dementia A Progressive Brain Dysfunction?1016 Words   |  5 Pagesdiagnosed with dementia, one must suffer a decline in mental ability severe enough to interfere with daily life. While symptoms of dementia can vary greatly, the most common indicators are memory issues, communication and language impairment, and the loss of ability to focus and pay attention. Symptoms of dementia often tend to start out slowly and then gradually progress over time. Most of the types of dementia continue to worsen and are usually irreversible. Observable dementia signs may include:Read MoreThe Difference Between Dementia And Alzheimer s Disease1523 Words   |  7 Pagesthe difference between Dementia and Alzheimer s disease. Dementia is not a disease, it is a term used to describe Neurological conditions that involves some form of serious mental disorder such as memory loss, confusion, and impaired judgment. Alzheimer s is an actual disease, which is a form of Dementia and the most common type of Dementia; it is accountable for 60% - 80% of all cases of Dementia. Dementia has been around for many years dating back to the 1900 s. Dementia refers to a group of symptomsRead MoreAlzheimer s Disease : A Type Of Dementia910 Words   |  4 Pages Alzheimer’s disease Jordyn Marcx Anatomy Physiology 2 Professor Leal November 12, 2015 Abstract: Alzheimer’s disease is a type of dementia that causes problems with memory, thinking and behavior. Symptoms usually develop slowly and get worse over time. Alzheimer s is the most common form of dementia, a general term for memory loss. Alzheimer s disease accounts for 60 to 80 percent of dementia cases. Alzheimer’s disease attacks the brain’s nerve cells causing memory loss. Alzheimer’s

Al Ain Dairy in United Arab Emirates Samples †MyAssignmenthelp.com

Question: Discuss about the Al Ain Dairy in United Arab Emirates. Answer: Introduction Al Ain Dairy is the largest dairy in United Arab Emirates (UAE). It was established in 1981. The dairy is the first to launch camel milk ice cream. Milk powder products are also available by the diary in market. The camelait premium ice cream and camelait milk powder were launched in 2015 and are available in stores across UAE. Fresh, flavoured camel milk and camel milk laban are already sold by Al Ain under a brand named Camelait in UAE. The main market for dairy is White Gulf Cooperation Council (WGCC) for marketing camel milk products. The demand for camel milk is increasing due to low in fat, high in calcium and rich source of protein. It is the mission of company to make available local products to customers around the globe. The dairy uses spray drying technology and it is the only company in UAE to use this technology in manufacturing (Wilson, 2017). Spray drying used to produce dry powder from liquid. In this technology liquid is dried with hot gas. In this report porters fiv e forces is prepared and applied in Al Ain. Porters five forces The dairy industry in UAE is unique and profitable. The industry is continuously expected to grow and experience growth in future. With the increasing health awareness and standard of living, the demand for healthy food is continuously rising. The dairy products have been segmented into milk, laban, yogurt, curd and ice cream. Porters five force analysis is an important tool for marketing. It helps to identify and measure Al Ains strength and position in the particular business atmosphere (Taleb, 2015). Such framework provides better understanding of Al Ain to its management. The Porters five force analysis is mainly concerned with five important components and face issues and impending changes in environment. Power of buyers The buyers like to collect information before delivery of products. There is a communication network in Al Ain which helps to communicate with customers. The dairy prefers fixed pricing method to avoid any chance of bargaining from customers. The bargaining power of customers is low in case of Al Ain dairy farm. The customers do not have many choices due to the monopoly in market. The demand of products is increasing frequently. The purchases also cannot be postponed. The bargaining power of customers has always been important factor in the performance of company. There is less chance of switching due to high brand image through differentiation and uniqueness of products. The buyers do not have bargaining power. The power of buyers is high when they buy large volume of products and are sensitive to lower prices. It is important for the company understand power of customer and their needs so that company can make efforts to satisfy them (Berry, 2016). Power of suppliers Al Ain is known for strong relations with suppliers. The supplier power of Al Ain is high because Al Ain uses same products from same suppliers. For instance, the dairy provides the same camelait ice cream everywhere. The service provided by suppliers is quite satisfactory. The dairy do not import milk or substitutes from foreign countries. It gives benefit as discount can be given by domestic suppliers. Good quality of milk and ice cream and delivery on time helps dairy in winning trust of customers (Hill, Jones Schilling, 2014). The suppliers do not do business with just one company; they supply products to other firms too. There can be some important customer to suppliers in comparison to less important companies. The suppliers always have less bargaining power to them. Al Ain focuses on strong relations with suppliers to make quality stronger. It also provides guidance to suppliers to work more competently to decrease terminated expenses. Threat of substitute products The threat of substitute products is medium because products of most diaries are unique and there is not much competition. There is threat of substitute products because a person can get what is wanted by them in an easier way. If Al Ain produces fresh milk and it does not last long and costs more and the other company producing milk which is cheaper and can be consumed for more days, then people will like to buy milk of other company. It is because Al Ains milk would not last long. If Al Ain produces powder milk at lower prices than customers would go for powder milk. Substitute of products can change opinion of customers and it can be threat for the market share of firm (Nagy, 2016). Al Ain is the first dairy to produce camel milk ice cream and the company is continued to bring innovative products to the market. The camel milk is pasteurized to produce ice cream and makes available in six generous flavors such as saffron, cardamom, date, chocolate, lite raspberry vanilla and chocolate. The uniqueness of Al Ains ice cream is that it uses 100% fresh camel milk (Abusheliabi, et. al. 2017). It does not add neutralizers, preservatives and other substances. This uniqueness of dairy has less risk of substitute products. Threat of new entrants The threat of new entrants for Al Ain dairy is low as it is already established. There are various kinds of dairies already in the industry of UAE. There is threat to enter at this point because it can cause conflict for the new entrants because the customers are loyal for Al Ain dairy and there will be no economy of scale for new entrants. There will be low distribution channels and high existing power and government regulations. Al Ain is an established and strong brand and it is difficult to enter in market because the new entrants face price competition and takes enough time to establish in the dairy industry (Frsard Valta, 2016). It is always threat for the company when there are limited resources in industry. It results in monopolies and becomes difficult for new entrants to enter into industry. Although Al Ain has established a strong brand image in the market but there are lot of companies who are already in the industry and achieved a place even though they could not cross Al Ain in terms of market share. There are number of companies attempt to enter market and endeavour for market share but very few can survive (Greenspan, 2015). Intensity of rivalry There is competitive market structure of dairies so there are high rivalry and many competitors like Marmum Dairy Farm, Gulf and Safa Dairies and more. Al Ain is pioneer in the dairy industry of UAE and has made substantial development in dairy production technology. It includes high speed packing machines and bacteria testing equipment. The dairy is beyond competition in the market, it exports to international market. It also aims to make country self-sufficient regarding dairy products. Al Ain has competitive advantage that the company is in the dairy industry for longer time then its competitors. The market of UAE is very competitive but still there is room for growth. The diary can dominate market by introducing its brand in other GCC countries in near future (Raziq, 2015). It was the first diary which was established in UAE and currently it comprises 36% market share. Its specification of providing 40 high quality milk, juices and milk products keeps the company away from its competitors. It assures the quality and safety standards. The company has competitive advantage as the demand for nutritious products is continuously rising in European and North America markets (Dobbs, 2014). References Abusheliabi, A., Al?Rumaithi, H. O., Olaimat, A. N., Al?Nabulsi, A. A., Osaili, T., Shaker, R., Ayyash, M. M. (2017). Inhibitory effect of camel milk on Cronobacter sakazakii.Journal of Food Safety,37(4). Berry, D. M. (2016). 0916 Get in the driver's seat: Marketing milk and dairy products to today's and tomorrow's consumers.Journal of Animal Science,94(suppl_5), 441-442. Dobbs, M. (2014). Guidelines for applying Porter's five forces framework: a set of industry analysis templates.Competitiveness Review,24(1), 32-45. Frsard, L., Valta, P. (2016). How does corporate investment respond to increased entry threat?.The Review of Corporate Finance Studies,5(1), 1-35. Greenspan, R. (2015). Walmart: Five forces analysis (Porters model).Panamore Institute. Hill, C. W., Jones, G. R., Schilling, M. A. (2014). Strategic management: theory: an integrated approach. Cengage Learning. Nagy, P. (2016). 0918 Camel milk from commodity to added value product. The science behind the development of the camel dairy industry.Journal of Animal Science,94(suppl_5), 442-442. Raziq, A. (2015). Opportunities and contests of modern camel dairying.Journal of Camelid Science,8, 33-36. Taleb, A. (2015, September). A Framework for Knowledge Sharing, Firm Innovation Capability and Competitive Advantage in the UAE. InEuropean Conference onKnowledge Management (p. 879). Academic Conferences International Limited. Wilson, R. T. (2017). Traditional milk processing and value?added dairy products in selected Arab countries.International Journal of Dairy Technology.