Free PDF Foundations and Applications of the Time Value of Money

Free PDF Foundations and Applications of the Time Value of Money

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Foundations and Applications of the Time Value of Money

Free PDF Foundations and Applications of the Time Value of Money

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From the Inside Flap

Understanding financial transactions—whether involving investing, borrowing, or lending—requires an understanding of the time value of money (TVM), as well as the financial mathematics that go along with it. And while TVM is an essential aspect of finance, there aren't many resources that take the time to fully explain it. In this book, the experienced author team of Pamela Peterson Drake and Frank Fabozzi fully expand upon the type of TVM concepts usually presented as part of an overview given in other general finance books. Throughout these pages, various TVM concepts and principles are discussed, with the authors offering examples in each chapter to reinforce the tools and techniques covered. Problems and detailed solutions—demonstrated using two different financial calculators, as well as Excel—are also provided at the end of each chapter, while glossary terms are included in an appendix, to familiarize you with basic terms. Divided into two comprehensive parts—The Basics of the Time Value of Money and A Few Applications—this comprehensive guide can help you analyze almost any financial transaction and evaluate cash flows to determine values at different points in time or returns on investments. Written with both the aspiring and experienced financial professional in mind, Foundations and Applications of the Time Value of Money: Deals with the compounding and discounting of lump sums—translating single values through time Shows how valuing series of cash flows is a simple extension of discounting or compounding lump sums Demonstrates how to calculate the annual percentage rate, the effective annual rate, and the internal rate of return for financial transactions Looks at loans and how they may be amortized Focuses on deferred annuities—which are typically used within the retirement arena—and other "saving-for-future-spending" scenarios in which there is more than one withdrawal of funds in the future Addresses the valuation of stocks and bonds using TVM mathematics Rounding out this detailed discussion, Peterson Drake and Fabozzi examine the applications of the TVM mathematics with regard to: evaluating whether to get an MBA, deciding whether to lease or buy a car, and whether gold is a good investment. And while this is not a personal finance book, the authors chose examples that might interest you in immediately applying the techniques outlined here. Making more informed financial decisions relies on a firm grasp of the time value of money. This book has the insights and advice needed to achieve such a goal.

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From the Back Cover

Understanding financial transactions—whether involving investing, borrowing, or lending—requires an understanding of the time value of money (TVM), as well as the financial mathematics that go along with it. And while TVM is an essential aspect of finance, there aren't many resources that take the time to fully explain it. In this book, the experienced author team of Pamela Peterson Drake and Frank Fabozzi fully expand upon the type of TVM concepts usually presented as part of an overview given in other general finance books. Throughout these pages, various TVM concepts and principles are discussed, with the authors offering examples in each chapter to reinforce the tools and techniques covered. Problems and detailed solutions—demonstrated using two different financial calculators, as well as Excel—are also provided at the end of each chapter, while glossary terms are included in an appendix, to familiarize you with basic terms. Divided into two comprehensive parts—The Basics of the Time Value of Money and A Few Applications—this comprehensive guide can help you analyze almost any financial transaction and evaluate cash flows to determine values at different points in time or returns on investments. Written with both the aspiring and experienced financial professional in mind, Foundations and Applications of the Time Value of Money: Deals with the compounding and discounting of lump sums—translating single values through time Shows how valuing series of cash flows is a simple extension of discounting or compounding lump sums Demonstrates how to calculate the annual percentage rate, the effective annual rate, and the internal rate of return for financial transactions Looks at loans and how they may be amortized Focuses on deferred annuities—which are typically used within the retirement arena—and other "saving-for-future-spending" scenarios in which there is more than one withdrawal of funds in the future Addresses the valuation of stocks and bonds using TVM mathematics Rounding out this detailed discussion, Peterson Drake and Fabozzi examine the applications of the TVM mathematics with regard to: evaluating whether to get an MBA, deciding whether to lease or buy a car, and whether gold is a good investment. And while this is not a personal finance book, the authors chose examples that might interest you in immediately applying the techniques outlined here. Making more informed financial decisions relies on a firm grasp of the time value of money. This book has the insights and advice needed to achieve such a goal.

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Product details

Hardcover: 320 pages

Publisher: Wiley; 1 edition (September 8, 2009)

Language: English

ISBN-10: 0470407360

ISBN-13: 978-0470407363

Product Dimensions:

6.2 x 1.1 x 9.3 inches

Shipping Weight: 1.2 pounds (View shipping rates and policies)

Average Customer Review:

3.7 out of 5 stars

5 customer reviews

Amazon Best Sellers Rank:

#1,974,115 in Books (See Top 100 in Books)

I got the book on time and as advertised. Thanks.

The book arrived in superb condition.Am glad it's now part of my library.

Very good book. A complete analysis about the value of money across the time.

This book is an elementary discussion of interest rates and how to compute amounts that are compounded using these rates. Reading the book will let you understand basic accounting and to do simple financial planning. It will not however give you enough to do any non-trivial modelling. Like, for example, if you want to construct a financial derivative. Which is not a drawback of the text; it's just a start.But it does have one flaw, even given its intended level. Various examples are given, especially in the last section, where you make estimates of total value over a number of times. For instance, a comparison is done of the value of an MBA over a subsequent lifetime, with respect to not taking the time off from the workforce, and not paying those huge tuition fees. Typically, the narrative assumes some interest rate gain, given to 2 significant digits. But the sums are given to 5 significant digits.This is totally wrong. Simple freshman science lab students can spot the flaw in it. The analysis gives totals are over-accurate. They look impressive, to 5 digits, but the last 3 are meaningless.The problem is that the text does not even give a quick discussion of how not to claim too much accuracy. Sadly, the book is typical of much financial projections, where you can routinely see estimates several years out, to 4 or 5 digits "accuracy". What the reader is not warned about is that the book's examples reflect the accuracy of a calculator, and not the actual accuracy [or uncertainty] of peering into the future.

This book was supposed to be a quality intorduction of time value of money but there are only calculation mistakes, formulas mistakes and rounding errors.I advise to read free course on the internet instead.Preuve/proof:- Page 70 minus sign missing in formula- page 80 -1 should be out of sqrt- page 80 20.5 is in fact 2^0.5- page 86 $22 should be $25 in tablerun away from it

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Free PDF American Psycho

Free PDF American Psycho

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American Psycho

Free PDF American Psycho

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Audible Audiobook

Listening Length: 16 hours and 29 minutes

Program Type: Audiobook

Version: Unabridged

Publisher: Audible Studios

Audible.com Release Date: August 11, 2009

Language: English, English

ASIN: B002L7KRY4

Amazon Best Sellers Rank:

I think the reason some readers gave 1 star for getting bored is precisely the reason why this book achieved what it wanted to achieve. The emptiness and nonsense chasing status, 'hardbodies', and getting ahead are to us readers, boring.Be warned that the sex and violence are VERY GRAPHIC. It disturbed me days after reading the passages. As much as this book being unique, I still wish that I never had read those passages. The ugliness puts an inprint in my mind and I am trying to undo the damage.

The 80s: a time period defined by surface, cut throat capitalism, Reagan economics, Wall Street, cocaine, AIDS, night clubs, awesome pop music, and serial killers. This is the setting of Bret Easton Ellis’s most controversial novel, American Psycho, which when published in 1991, garnered an F review in Entertainment Weekly, put Ellis on the FBI’s watchlist, and infuriated a radical feminist named Tara Baxter.American Psycho is about the infamous Patrick Bateman--Wall Street yuppie--whose extracurricular activities included clubbing; snorting coke; dining at New York City’s finest restaurants; purchasing overpriced sunglasses, suits, brief cases, bottled water, Walkman headphones; and murdering prostitutes, animals, co-workers, and the homeless.With graphic and detailed descriptions that include sadomasochism, decapitations, eviscerations, dismemberment, and torture, it is no wonder American Psycho garnered so much controversy. In today’s culture (that has created a genre of film called torture porn), such a novel would probably not get national attention. But in 1991, before the novel was even published, the controversy was nearly as hostile as the protagonist. Most of American Psycho’s criticism has come from the fact that it depicts scenes that are disgusting, vile, crude, and immoral. What these critics fail to mention is that the novel itself is a looking-glass, reflecting a society that is itself disgusting, vile, crude, and immoral. What the novel does not do, to any extent, is shy away from truth or sugarcoat the ugliness of a society obsessed with surface and possessions; a society overcome by greed. In the late 70s and in the 80s, America experienced a string of serial killers (Bundy, Gacy, and Manson), that both terrified and fascinated Americans. Nothing quite captures America’s attention like murder. And this is exactly why Patrick Bateman, the antihero of the novel, is a serial killer set in a time period gripped with greed and fear.Patrick Bateman is not the only sociopath in the novel. In fact, they populate the streets of New York City, the law firms, the finest restaurants and clubs. They are soulless individuals who do not care about others, only advancing themselves, only possessing, and accumulating more wealth. They are individuals who use others to their own advantage. In American Psycho, they are Wall Street yuppies, the upper class, the Marxist bourgeoisie--who destroy and use the unfortunate (homeless, prostitutes, children) so they can live in excess.One reoccurring theme throughout the novel is that Patrick Bateman and his yuppie friends often mistake their co-workers for other co-workers, since there is no distinct individuality, only conformity to an ideal surface. No one really knows who anyone else is; as Patrick Bateman states, “Inside doesn’t matter." They are so self-absorbed that they do not take time to notice anyone outside themselves or their possessions, unless a source of ridicule or competition. Patrick Bateman, competing for the Fischer Account (which is never clearly explained, except for the fact that it is the best account), literally axes a co-worker named Paul Owen in the face, in order to get ahead. Talk about cut throat capitalism!The graphic, deplorable scenes of violence in Bret Easton Ellis’ American Psycho serve a purpose: to illustrate the inhumanity of a society that puts its value in objects instead of people. Or rather, treats people as objects. The murders and the sex scenes are not the only thing described in pornographic detail. Patrick Bateman is a character sick with obsession; obsession with all the wrong things. In many scenes, Bateman describes, in pornographic detail, his wardrobe, his apartment, brands of bottled water, his music collection, the food at his favorite restaurants. These are the things that consume not only Patrick, but his cohorts. In fact, one could say that a surface obsessed society creates monsters like Bateman. In a society gripped by fear, whose only solace is found in possessing and dominating, there is nowhere to go but down: into madness, psychosis; anything to try and feel, to escape the void. In a chapter entitled “Tries to Cook and Eat Girl,” Ellis underlines the only real thing that can fill the void:Bateman attempts to turn a dead girl into meat loaf, but then he starts to cry: “The smell of meat and blood clouds up the condo until I don’t notice it anymore. And later my macabre joy sours and I’m weeping for myself, unable to find solace in any of this, crying out, sobbing ‘I just want to be loved’” (Ellis 345). This scene is gross and disturbing, but in some sick, morbid way—you may feel empathy for Patrick. There is only one thing that can fill the hole in Bateman’s consumer-obsessed soul: love. But, living in the society in which he does, love is an illusory concept, just like truth, compassion, and morals. In this society, there is only one truth: nothing matters—except money. In this society, there is no love and there is no escape from one’s emptiness.

I decided to give this book a chance based on the reviews. This is the 1st and last book I will read from this author. I will not make that mistake again ha ha. Throughout the entire book there were way too many characters introduced that had nothing to do with the book. I never figured out what Patrick actually did for a living or if it was even a "real" job. Probably 30% of the book was describing what people were wearing. The types of fabric and the clothing designer was explained...it got SO old and tiresome. Patrick's criminal mind didn't even make sense. If he did do all these deplorable killings over that long of time, the NYPD would have been all over him. The only thing believable is this author has a sick and twisted mind and should not be left alone with females. Save your money, I just summed up the entire book for you!!

An incredible indictment of the American tendency to be excessive in all things. The tale was inspired by Yuppie culture of the 1980s, though Patrick Bateman's dead soul transcends all eras. (Patrick Bateman is out there today, as vapid as ever, though he's probably much more evil... and his mobile phone is no doubt much smaller.)Throughout the story Bateman hypnotically drones on and on about brand names, designers, furnishings, status symbols, pop music, numbing us (and himself) to the moments of sheer terror, gore and sexual violence that punctuate the book. The fashion houses, the expensive restaurants (with their corny fusion cuisine, each concept funnier than the next) and the fellow stockbrokers are all interchangeable. Don't pay too much focus trying to differentiate the characters. Nobody else in the book can either. Bateman is frequently mistaken for someone completely different, just as he frequently names others incorrectly. In the end it helps him carry on his double life for much longer than he otherwise could have.The story is populated by a nameless swarm of bored big spenders, unhappily socializing in 1980s NYC. Patrick is different though. His mind is not right. He cruelly murders homeless people, prostitutes, small dogs...escalating to kill people from within his circle of friends. His taste in music is crap.This book made my blood run cold, yet I was unable to put it down. Bret Easton Ellis is an incredible writer, bringing us into this highly deviant mind.

This book reminds me of the 1990s sitcom Seinfeld, described as “A Show About Nothing.” Like the characters in Seinfeld, the Wall Street crowd the protagonist runs with are hip, shallow and self-absorbed creatures. Anyone in NYC can ignore the homeless, but why not demonstrate your callous disregard by holding out a crisp bill and pulling it away at the last moment as you walk by in your Armani suit. Oh, I get the dark humor, the social indictment, the vacuous preoccupation with designer labels and the latest trendy restaurant. But unlike Seinfeld, the book’s humor wore thin with repetition and also repetition. Honestly I had a hard time finishing this one

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PDF Download Tratado de Derecho Administrativo. Tomo IV. El Procedimiento Administrativo (Spanish Edition)

PDF Download Tratado de Derecho Administrativo. Tomo IV. El Procedimiento Administrativo (Spanish Edition)

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Tratado de Derecho Administrativo. Tomo IV. El Procedimiento Administrativo (Spanish Edition)

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Product details

Paperback: 974 pages

Publisher: FUNDACIÓN EDITORIAL JURIDICA VENEZOLANA (October 1, 2013)

Language: Spanish

ISBN-10: 9803652095

ISBN-13: 978-9803652098

Product Dimensions:

6.7 x 1.9 x 9.6 inches

Shipping Weight: 3.4 pounds (View shipping rates and policies)

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Ebook Neuroanatomy: Dissection of the Sheep Brain

Ebook Neuroanatomy: Dissection of the Sheep Brain

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Neuroanatomy: Dissection of the Sheep Brain

Ebook Neuroanatomy: Dissection of the Sheep Brain

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Product details

Paperback: 32 pages

Publisher: University of Michigan Press (September 5, 1980)

Language: English

ISBN-10: 047208691X

ISBN-13: 978-0472086917

Product Dimensions:

8.5 x 0.6 x 11 inches

Shipping Weight: 2.4 ounces (View shipping rates and policies)

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