This pocket book is meant for anyone who is interested in the applications of finance, particularly business students. The applications in financial market and, to some extent, in banking are briefly discussed and shown in examples.
For students it complements the textbooks recommended by lecturers because it serves as an easy guide in financial mathematics and other selected topics in finance. These topics usually found in a course such as financial management or managerial finance at the diploma and undergraduate levels....
Distance-based pricing can help achieve equity objectives. Since annual vehicle mileage
tends to increase with income, fixed-price insurance causes lower-income motorists to
subsidize the insurance costs of higher-income motorists within their rate class.
Distance-based insurance pricing provides overall savings to lower-income motorists,
and would allow some low-income households to own a vehicle for basic mobility that
they cannot currently afford.
Distance-based pricing lets motorists save money by reducing mileage, an option that is
The Recommendations refer to the marketing of
products and services. They do not refer explicitly to
the promotion of brands (as distinct from products
and services); however, as certain brands and
organizations are clearly associated with products or
services whose marketing could fall within the scope
of the Recommendations, efforts to restrict marketing
in this area also need to consider how brands are
Advertising is only one form of marketing among
many, including sponsorship and product placement.
Competitiveness today must be geared to competitiveness tomorrow. There is untapped
potential for the EU economy to be more innovative, productive and competitive whilst using
fewer resources and reducing environmental damage. Less waste should be produced and
more re-used and recycled in line with the practice of the best performing Member States.
This paper will use four major approaches to tackle the research
questions: qualitative, quantitative, comparative and theoretical. On the
qualitative level, history of technology will be analysed to assess the time
lag between the availability of the constituent technologies and the
appearance of the innovation of the cinematograph. It is expected that the
findings will show that it is highly unlikely that there was no significant
time-lag between the technologies being available and the innovation that
embodied all these technologies appearing.
Designing Graphic Design History: Teaching for the 21st
Century Classroom undertakes
the development of a web-based Graphic Design History interactive timeline (GDHit), intended
as a user-generated online database for potentially all graphic design enthusiasts, but specifically
faculty and students within the traditional graphic design history course.
Before an engineer can repair a refrigerant leak in the system it has to be
located and for this reason leak detection is the first step. If the system has
not lost all its refrigerant charge, leak detection may proceed as described in
Chapter 3 provided that there is an adequate test pressure within the system.
When the entire refrigerant charge has been lost, the system has to be pres-
If the leak is found to be minor and on the low side of the system, ‘pumping
down’ will be necessary before any attempt is made to repair the leak. Leakage
from the high side of the...
We used descriptive statistics to examine demographic variables related to
reading as well as to compare reading outcomes for the two groups of students, those
instructed only in English and those instructed first in Spanish and then transitioned into
English reading instruction.
Breathing polluted air is unhealthy. For example, you might find it more difficult to
breathe, you might cough or your chest might feel tight.
Two main types of air pollution are ozone pollution and particle pollution.
The ozone we breathe at ground level is bad. But very high in the atmosphere (the
stratosphere) is a natural layer of ozone that is good because it helps protect us
from the sun’s harmful ultraviolet rays. A rhyme that can help you remember this is
“Ozone: Good up high, bad nearby.
More companies are designing solutions to address data governance and ensure regulatory compliance by reducing
data movement. These companies rely on the security and auditing features of the DBMS to ensure that regulated
data is not improperly accessed during automated business processes. Requiring large amounts of detail data to be
extracted from the DBMS for processing by SAS raises the complexity of maintaining regulatory compliance. This can
be particularly challenging for data preparation processes.
The authors investigate the relationship between sports-related event sponsorship and
stock market valuation and identify factors that influence the financial rewards of sponsorship
using World Cup and PGA tour sponsorship data. In particular, relationship between sports
sponsorship with financial performance is examined in terms of sponsorship fit, event
characteristics, and brand equity.
Virtual Learning Environments (VLEs), understood here as online systems supporting
interactions between and amongst learners and teachers as well as access to resources
and activities, have long been held to provide a range of benefits in further and higher
education. For 2008, UK Government policy is far all pupils to have access to an online
learning space, for many provided through a learning platform such as a VLE.
The Wharton Financial Institutions Center provides a multi-disciplinary research approach to
the problems and opportunities facing the financial services industry in its search for
competitive excellence. The Center's research focuses on the issues related to managing risk
at the firm level as well as ways to improve productivity and performance.
The Center fosters the development of a community of faculty, visiting scholars and Ph.D.
candidates whose research interests complement and support the mission of the Center.
The scale for the horizontal axis of the figures corresponds to the two-year marketing
window, that is, from September 1st
of the year previous to harvest through August 31st
year after harvest. However, a few programs begin their marketing recommendations over a
particular crop year earlier than September 1st
, and in these cases, the figures start with a positive
net percentage priced. Similarly, a few programs continue their marketing recommendations for
a period longer than the end of the two-year marketing window.
The African Press Agency has reported that
Libyan leader Mouammar Kadhafi has this
month pledged to send military observers
to probe the security situation in northern
CAR. According to the Ministry of Defence
military observers from the Community of
Sahel-Saharan States (CEN-SAD) will “take
stock of the realities of insecurity, which is
fuelled by armed groups from neighbouring
countries’ rebellions.” CEN-SAD is expected
to plan measures for an intervention in the
Presently, there is no specific effective antiviral drugs and vaccine available for the
treatment of HFMD. Symptomatic treatment is given to provide relief from fever,
aches, or pain from the mouth ulcers. Dehydration is a concern because the mouth
sores may make it difficult and painful for children to eat and drink. Should their
affected children be having fever, the parents are advised to dress their children in
light, thin clothing, to do tepid sponging with water (room temperature) as often as
necessary, and to expose them under the fan.
In passing the Monetary Control Act of 1980, Congress reaff irmed its
intention that the Federal Reserve should promote an eff icient nationwide
payments system. The act subjects all depository institutions, not just
member commercial banks, to reserve requirements and grants them equal
access to Reserve Bank payment services.
As has been the case for the last few years, as we write this business plan the environment for
public media is exceptionally challenging and the future of federal funding for public media
continues to be uncertain. On the positive side, CPB continues to be level-funded at
$445 million for the next few years. On the other hand, the elimination of the Public
Telecommunications Facilities Program (PTFP), the elimination of CPB’s Digital special
appropriation, and the reduction of support for rural public television stations created a loss
totaling $53 million in FY 2012....
This national survey of youth, ages 10 to 17, and their caretakers has several implications
for the current debate about young people and Internet pornography. Twentyfive
percent of youth had unwanted exposure to sexual pictures on the Internet in the
past year, challenging the prevalent assumption that the problem is primarily about
young people motivated to actively seek out pornography.
Identification is further complicated by the fact that some individuals who identify themselves as
‘virgin’ angels, i.e. looking to make their first investment, may never do so. Furthermore, some
individuals may have acted as angels but are no longer actively looking to invest; counting either
of these categories as active angels risks exaggerating the true number.