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Ardagh Group International Management Trainee Programme. Essays

FIN 419 Week 3 Problems Essays - Mathematical Finance, Loans

Balance 419 Week 3 Problems Essays - Mathematical Finance, Loans Issue 1-A $85,000.00 Future Value: $873,260.59 9%FV 30$873,260.59 PV(D2,D3,D1) Interest:9% Answer Years:35Future Value:$42,777.60 PV(B4,B6,0,B2,0) Issue 1-B Present Value$85,000.00 Interest:11% Answer Years:30Future Value:$738,972.37 PV(B10,B12,B8) Issue 1-C If rates somehow happened to raise the sums required for the multi year time frame preceding resigning would lower. Expanding the loan fee builds the future estimation of the venture making a lesser sum be required. Issue 2-A YearAmountPresnt Value FactorPresent Value 1 $7,000.00 0.9345794391/(1+A19)^B24 $6,542.06 B19*D19 2 $4,000.00 0.9259797991/(1+A20)^B24 $3,703.92 B20*D20 3 $8,000.00 0.9075191551/(1+A21)^B24 $7,260.15 B21*D21 4 $10,000.00 0.8934537991/(1+A22)^B24 $8,934.54 B22*D22 5 $13,000.00 0.8821235421/(1+A23)^B24 $11,467.61 B23*D23 Rate7%Total (Answer) $37,908.27 Issue 2-B At the point when the procuring rate expands the aggregate sum diminishes. As the rate increments so does the premium earned toward the venture. The bigger your rate is the lower your current worth should be to cover your future worth deficit Issue 3-A Sum: $(25,000.00)$10,768.29 PMT(B31,B32,B30)End of Year Loan Payment Yearly Interest:14%Answer Years:3 Payments:3 Issue 3-B If it's not too much trouble see appended exceed expectations spreadsheet for Loan Amortization Schedule Issue 3-C As the chief sum is paid onto an advance the intrigue sum diminishes. This is on the grounds that intrigue is resolved dependent on present parity. Issue 4-A To begin we are putting $500 down on a $6,500 advance, which leaves $6,000 Credit: $(6,000.00) Yearly Rate:14% Years:2Answer Payments:24Monthly Payment:$288.08 PMT(B43/12,B45,B42) Total:$6,913.86 E45*B45 Issue 4-B Once more, to begin we are putting $500 down on a $6,500 advance, which leaves $6,000 Credit: $(6,000.00) Yearly Rate:9% Years:2Answer Payments:24Monthly Payment:$274.11 PMT(B49/12,B45,B48) Total$6,578.60 E52*B52

The Lesson of Quinns Ishmael :: Quinn Ishmael Essays

The Lesson of Quinn's Ishmael    There are a few books that you can simply kick back and appreciate, simply let the writers words wash over you and, above all, you don't need to think.  And then there's Daniel Quinn's Ishmael.  The epic Ishmael, an experience of the psyche and soul, opens with a disappointed and discouraged man looking for an educator, and an extraordinary teacher.  He needs somebody to give him what life is all about.  And so he discovers Ishmael, a meiutic instructor (one who goes about as a birthing specialist to his students, in carrying thoughts to the surface), who ends up being a huge clairvoyant gorilla of unprecedented intelligence.  The biggest piece of the book comprises of their discussions, wherein Ishmael talks about how things got the chance to be like this (as far as human culture, starting with the farming revolution).  Ishmael shows the storyteller precisely what doesn't work in our general public: the thinking that there is just one right approach to live, and that that route is with people vanquishing the planet.  Daniel Quinn brings up that numerous different societies, most prominently the individuals who have& nbsp; an ancestral way of life, work, in that they don't decimate their assets, have no requirement for wrongdoing control or different projects, and don't have populace problems.  He demands that our way of life did not depend on people being human, it depends on people being divine beings and attempting to control the world.  Ishmael has a propensity for bringing up issues and ideas.  The gorilla Ishmael not just brought out musings and inquiries in the storyteller, he raised a great deal of inquiries and thoughts in Coast to Coast 2000.  Ishmael took all of us aback.  Although numerous of  us doubted some of Daniel Quinn's minor focuses, we as a whole conceded to one of his central matters: that there is nobody right approach to live.  The Bushmen of Africa are living in a manner that is similarly as right and works similarly just as our own, and potentially far superior, as they are fit for living without pulverizing everything in their paths.  These Leaver societies are not the slightest bit second rate compared to our own however we believe them to be graceless.  In reality, Ishmael says that it is Taker human advancement itself, the progressive structure that locks up food and spreads through the possibility that individuals should live a similar way, that is really second rate.

The Effect of Parenting Styles on Child Development

The Effect of Parenting Styles on Child Development Is child rearing extremely noteworthy? Does child rearing positively affect a childs life? One may think about whether their child rearing style has adequately impacted their childs complete turn of events. This paper tests the impacts of child rearing styles on a childs advancement. A childs comprehensive turn of events, explicitly mental (enthusiastic and social) and subjective (mind) improvements, might be influenced by various elements. These elements might be natural and ecological, which incorporates culture, family and all the more altogether child rearing styles. Child rearing styles utilized, however not single impacts, absoluty affect the childs future. As indicated by Baumrind (1971), there are three child rearing styles to be specific legitimate (requesting and responsive), dictator (requesting and lethargic) and tolerant (responsive yet undemanding). All the more as of late, uninvolved child rearing (lethargic and undemanding) has been perceived as a fourth style. In spi te of the fact that each child rearing style has shifting qualities, it is vital for the youngster to get both sustain and independence so as to get satisfactory turn of events. Child rearing styles, for example, legitimate and uninvolved impact a childs intellectual and mental improvement however definitive child rearing is liked. Each childs subjective advancement is affected by their folks child rearing style. Comprehension relates to the scholarly procedure by getting information. As indicated by Bjorklund (1989), Cognition includes mental movement of different kinds. It incorporates movement that is designed for gaining, understanding and changing data. (p. 4). As per Piaget, youngsters powerfully amass information by four phases sensorimotor, preoperational, concrete operational and formal operational-as they control and find their reality. It is essential for guardians to be perceptive of the impacts of child rearing styles on a childs comprehension. Berk (2009) expressed that, Authoritative kid raising style-the best methodology includes high acknowledgment and contribution, versatile control procedures, and suitable independence giving (p. 569). Legitimate guardians are warm, mindful and open to their offsprings needs, yet they execute firm, discerning control and are generally requesting. They move th e childs freedom and dynamic with the goal that the kid will have the option to settle on the correct decisions throughout everyday life. They support exchanges and joint dynamic at whatever point there is a contradiction among parent and youngster, hence focusing on the childs viewpoint and giving reasonable oversight is vital. A childs subjective improvement is ideal for autonomy and dynamic abilities while encountering positive and most extreme parental help. Subsequently, a definitive parent is supposed to be profoundly engaged with a childs improvement, offering constructive and greatest parental help which empowers the advancement of a character. A kid raised by the legitimate child rearing style displays high confidence, poise and errand steadiness (Berk, 2009). With respect to a kid who has high confidence, positive qualities and convictions are passed on from the guardians due to their high interest in the offsprings life. For instance, the significance of these parental convictions and positive qualities are embraced from family conversations and family rules and practices. Research has indicated that kids raised by legitimate guardians have incredible scholarly achievement on the grounds that the guardians are very engaged with all parts of their lives and especially, their scholastic accomplishme nts. Legitimate guardians will applaud their kids for endeavoring; help them with the troubles they face in their school work and urge them to give a valiant effort. Kids given this positive and greatest parental help accept they have the fitness to prevail throughout everyday life. The various regions of a childs advancement are interconnected in this manner affecting each other. Mental turn of events, characterized by Encyclopedia Britannica, alludes to the enthusiastic and social ability and activity of ones life expectancy. Definitive guardians are requesting have high expectations and desires for their youngsters. Benson Hiath (2009) proposes that Children of legitimate guardians display low measure of disguising conduct, for example, misery and tension and externalizing conduct, for example, withdrawn conduct and substance use (p. 290). Generally, posterity of these guardians are more socially and instrumentally equipped than youngsters raised by other child rearing styles. Definitive guardians likewise show enthusiasm for their childs public activity. It is significant that they think about their childs whereabouts and the companions the individual in question keeps. Along these lines, the kid will be more averse to be reserved in conduct in view of their high self-governance conceding. Likewise, it is essential to take note of that however these guardians are associated with the childs public activity, they don't direct the kind of companions the kid should keep. Rather, they give a word of wisdom and permit the youngster to settle on their own choice. Benson Hiath further expresses that, Children of legitimate guardians are better furnished to adapt to life stresses and less inclined to surrender to peer pressure, because of the skills definitive guardians have imparted (p. 290). In view of research introduced, it tends to be inferred that definitive child rearing positively affects a childs complete turn of events. Furthermore, a childs intellectual and mental improvements are likewise affected by uninvolved child rearing. In contrast to the legitimate parent, Benson Hiath (2009) accepts the uninterested parent isn't devoted to child rearing jobs and is impartial in helping foster ideal advancement of the kid (p. 283). The uninvolved parent is said to have almost no cooperation in their childs improvement in this way the youngster is probably going to have less enthusiasm for their own turn of events. These guardians have either loathed their youngsters or presumably don't have the opportunity or vitality to deal with them since need is given to their own life issues and worries. As opposed to legitimate child rearing, youngsters raised by the uninvolved child rearing style show poor enthusiastic control and low confidence. Offspring of these guardians are probably going to have low confidence just as poor school execution since they feel overlooked by their folks, because of the guardians low acknowledgment and non-association in their lives. For instance, a parent who is parentally pushed and shows no enthusiasm for the childs scholastic accomplishment won't urge the youngster to grow scholastically. Subsequently the youngster will turn into a low achiever in light of the fact that there is no parental direction and bolster when the individual in question gets a task and needs parental help. Furthermore, the kid is probably going to experience issues settling on choices and communicating sees adequately in light of the fact that the uninvolved guardians are inadequate in the regions dynamic and point of view. Uninvolved guardians are undemanding regularly indicating little control. A kid who feels dismissed by their folks is probably going to have a deficiency in their mental turn of events. The offspring of a uninvolved parent may have social issue, for example, introverted practices and substance misuse. This is so in light of the fact that the parent-kid relationship is poor thus the youngster is genuinely separated and pulled back. Because of the absence of positive direction (no parental qualities, convictions and desires), the kid might be driven by an inappropriate kind of companions and accordingly get oneself in a ruinous way. For instance, guardians who are uninvolved in their childs public activity set no desires and permit their kid to do as the individual satisfies; scanning for love and consideration in an inappropriate spots. Studies have additionally indicated that uninvolved child rearing, not at all like legitimate child rearing, negatively affects a childs all encompass ing turn of events. From a scriptural point of view, a parent should prepare up a kid in the manner the person in question ought to go, so when he is old the person in question won't withdraw from it. Research have reasoned that child rearing assumes a minor job in the improvement of a kid and that the effects are outperformed by the impacts of legacy and society. In spite of such cases it is uncovered that child rearing styles, however not by any means the only impact, use incredible impact on a childs improvement. In view of past examinations, definitive child rearing is favored in light of the fact that it has the best effect on a childs whole turn of events while uninvolved child rearing has the most negative effect. A few guardians utilize more than one child rearing style in the childhood of their kid; along these lines it would be an extraordinary thought for uninvolved guardians to endeavor to adjust a few estimations of legitimate child rearing to permit the youngster to create self-governance, certainty and development. Word Count: 1342

The Wechsler Adult Intelligence Scale (WAIS)

The Wechsler Adult Intelligence Scale (WAIS) Theories Cognitive Psychology Print The Wechsler Adult Intelligence Scale By Kendra Cherry facebook twitter Kendra Cherry, MS, is an author, educational consultant, and speaker focused on helping students learn about psychology. Learn about our editorial policy Kendra Cherry Medically reviewed by Updated on February 19, 2020 Getty Images More in Theories Cognitive Psychology Behavioral Psychology Developmental Psychology Personality Psychology Social Psychology Biological Psychology Psychosocial Psychology The Wechsler Adult Intelligence Scale (WAIS) is an intelligence test first published in 1955 and designed to measure intelligence in adults and older adolescents. The test was designed by psychologist David Wechsler, who believed that intelligence was made up of a number of different mental abilities rather than a single general intelligence factor. History of the Wechsler Intelligence Scales Wechsler was dissatisfied with what he believed were the limitations of the Stanford-Binet intelligence test. Among his chief complaints about that test was the single score that emerged, its emphasis on timed tasks, and the fact that the test had been designed specifically for children and was therefore invalid for adults. As a result, Wechsler devised a new test during the 1930s, known as the Wechsler-Bellevue Intelligence Scales. The test was later revised and became known as the Wechsler Adult Intelligence Scale, or WAIS. How Did the Wechsler Adult Intelligence Scale Compare to the Stanford Binet? One interesting thing to note is that Alfred Binet, the developer of the worlds first intelligence test, also believed that intelligence was far too complex a subject to be sufficiently described by a single number. The goal of his original test was to help identify children who needed specialized help in school and he felt that a variety of individual factors, including a childs level of motivation, could influence test scores. Stanford-Binet Developed in 1939 Produced only a single, general intelligence score Developed for use with children Emphasized timed tests WAIS Introduced in 1955 Developed as a reaction to perceived weaknesses with the Stanford-Binet Provides a number of different scores on areas such as verbal comprehension and working memory Created to be used with adults Only some of the subtests on the WAIS are timed In a sense, Wechslers test was a return to many of the ideas that Binet had also espoused. Instead of giving a single overall score, the WAIS provided a profile of the test-takers overall strengths and weaknesses. One benefit of this approach is that the pattern of scores can also provide useful information. For example, scoring high in certain areas but low in others might indicate the presence of a specific learning disability. Like the traditional Stanford-Binet test, the WAIS also provides an overall score.?? However, Wechsler utilized a different approach to calculating this number. As you might remember from reading about the history of intelligence testing, scores on the early Stanford-Binet were derived from dividing mental age by chronological age. On the WAIS, Wechsler instead compared scores of the test-taker to those of others in his or her general age group. The average score is fixed at 100, with approximately two-thirds of all scores falling somewhere between 85 and 115. Test scores that fall between these two numbers are considered average, normal intelligence. Many other intelligence tests later decided to adopt Wechslers method, including the modern version of the Stanford-Binet.?? Versions of the WAIS There have been four different versions of the WAIS: WAIS (1955)WAIS-R (1981)WAIS-III (1997)WAIS-IV (2008) The Current Version The current version of the WAIS was released in 2008 and includes ten core subtests as well as five supplemental subtests. The test provides four major scores: Verbal ComprehensionPerceptual ReasoningWorking MemoryProcessing Speed Additionally, the WAIS-IV provides two overall summary scores: Full-Scale IQGeneral Ability Index The WAIS surpassed the Stanford-Binet in use during the 1960s. Today the WAIS is the most frequently intelligence test in the world with both adolescents and adults.?? Data collection for the newest version of the test (WAIS-V) is progressing through Spring 2020.??

Does the Death Sentence violate the Eighth and Fourteenth Amendments - Free Essay Example

Main Issue Whether the death sentence violates the Eighth and Fourteenth Amendments? Relevant Legal Concepts â€Å"Reasonable people can differ about whether the ethical judgments embodied in these legislative and judicial decisions should be legally sanctioned as the public policy of the state.† (p. 64) â€Å"A person whose behavior is consistent with moral principles is said to have integrity†¦People are also concerned about ethical behavior in their personal lives. They worry about whether a person with whom they have shard a confidence is trustworthy.† (p. 71) â€Å"Ethics, which is the study of morality, is one of the five traditional branches of study within philosophy..Ethicists are concerned with what makes conduct morally right or wrong and the essential nature of moral responsibility.† (p. 72) â€Å" .Is killing in self-defense wrong or â€Å"What ought a physician do when a patient dying of a terminal disease asks f or assistance in committing suicide? Modern ethicians primarily focus on normative moral issues rather than metaethical, although this tendency is of recent origin and primarily†¦Ã¢â‚¬  (p. 72) â€Å"Although law can contribute rules that embody moral norms, law in our democracy is not expected to play the primary role in promoting ethical behavior in society.† (p. 73) Relevant Case Law Gregg v. Georgia, â€Å"The common-law rule imposed .mandatory death sentence on all convicted murderers†¦narrowing the class of murders to be punished by death.† (p. 65) â€Å"And the Fourteenth Amendment, no State shall deprive any person of ‘life, liberty, or property’ without due process of law.† (p. 65) â€Å"†¦.death penalty cannot be said to violate the constitutional concept of cruelty.† (p. 65) Rationale Jonas had been questioned regarding his former girlfriends death. There could be a completely good reason why he had dried blood on his clothes, muddy boots, a bracelet with the name of his ex-girlfriends on it, or the bloody survival knife in his room. Even though the evidence in his room looks as if he was guilty, he still has the right to a reasonable trial as well as being protected by the law. An individual’s mental capacity is very important in the penalty phase. If in fact he had a diminished mental capacity and was guilty of murder and sentenced to death, it could be regarded as cruel and unusual punishment because it would violate his Eighth and Fourteenth Amendment right because he was not mentally stable. Since some statutes can split a criminal trial into a guilt and penalty phase, it can also give jurors frustrating and justifying factors in considering the death penalty. A court can reject the idea that Capital Punishment is severe and unexpected punishment under the Eighth Amendment as well as remove it as a punishing option for crime that is not one of murder. If states dispensed it fairly and rationally so that it would serve a legitimate need, capital punishment could be considered constitutional. Ruling In this case, I would rule in favor of Jonas because his mental capacity would not be that of a killer. An individual who commits murder, usually will hide the evidence or dispose of it from a bridge into the water and not have it in their bedroom where there is a chance a parent will find it. He obviously had no reason to hide the bloody survival knife and muddy boots. Main Issue Whether other facts in the case are as such that the defendant can not be prosecuted. Relevant Legal Concepts â€Å"Although law can contribute rules that embody moral norms, law in our democracy is not expected to play the primary role in promoting ethical behavior in society. . athletic teams, and business, professionals, and fraternal groups of all types are expected to fill the void.† (p. 73-74) â€Å"They often establish ethical codes, rules (such as those prohibiting, â€Å"unsportsmanlike conduct† or â€Å"conduct unbecoming an officer†) and discipline and even expel members who violate their teams.† (p. 74) Relevant Case Law In State v. Mobbley, â€Å"†¦where the meaning of the statutory language is plain, and where the words used by the Legislature are free from ambiguity, there is no basis for interpreting the statute.† (p. 77) â€Å"The statute does not exempt a defendant from prosecution.† (p. 77-78) Rationale The laws are a standard in how Americans should act and treat others in society. Some individuals are held to the higher standard due to their education; especially anyone in law. When an individual has taken an oath to support the law and the constitution of the United States, they are making a promise to protect it no matter the consequences. District Attorney Schultz took that same oath. Encouraging her to lie and to not disclose the resu lts was a direct violation. Although he is working towards reelection and this case would help him to keep his position, he would commit a injustice because although the DNA came back negative, does not mean their DNA can not be used on other cases, thereby not bringing them to justice on the other ones. His getting an unjust enrichment for keeping quiet does not uphold the law or helping the other victims. Ruling In this case, I would not re-elect District Attorney Schultz because I could not trust him to uphold the laws that he had taken an oath to protect. The court should rule a judgment against the players because I believe if the District Attorney had mentioned the DNA and he had used that DNA on other cases, they would be guilty in other cases involving violence toward women. Main Issue Whether a felony or misprision had been committed. Relevant Legal Concepts â€Å"Misprision of a felony is another common law crime .makes it criminal for a person to fail t o tell authorities of the commission of a felony of which he or she has knowledge.† (p 79) â€Å" .absence of a legal duty to act, the law has generally left the decision†¦.up to each individual’s conscience.† (p. 81) Relevant Case Law from Text In Holland v State of Florida, â€Å" .existence of misprision of felony as a crime at common law was to aid an alien, dictatorial sovereign .† (p. 80) â€Å" .the duty of a citizen to accuse every offender, and to proclaim every offense which comes to his knowledge; but the law which would punish him in every case, for not performing this duty, is too harsh for man.† †¦. (p. 80) Rationale Michelle committed larceny when she took the bags of money and gambled it, thereby depriving the true owner of the property. Morally, stealing is wrong, especially when it has to do with the FDIC and the individual intends to re-pay it back. But while individuals are not perfect, they try and ma ke the right decision, such as in this case. Ethically she should be obligated to return the money and be penalized for waiting the three days to return it because the bank that it belonged to probably was depending on it. If everyone informed the authorities all the times they did something wrong or what they saw, the court system would be flooded with cases. It is unreasonable for individuals to confess what they did and how it would be corrected. On a personal note, I believe she should serve some time in jail for what she did because it is wrong to take something that doesn’t belong to you. Not reporting it afterwards is just as bad as taking it in the first place. Ruling Legally, there isn’t a crime of misprision for failure to report as a felony, thus, she should not do any jail time for her action. Although she should pay a fine for it.