Childhood Adversity And Substance Abuse - 1806 Words

Childhood Adversity and Substance Abuse Joceline Nieves SUNY New Paltz Introduction The Center for Disease Control reports about 3.4 million children being abused or neglected in the United States in 2012 and 1 in 4 children will experience some form on abuse, maltreatment or household dysfunction while growing up. (Campbell, 2015).Past research has shown a relationship between Adverse Childhood Experiences and substance abuse as an adult. Risk factors in the form abuse and neglect as child may cause a higher likelihood of substance abuse as an adult. Font and Jack (2015) also says that poor socioeconomic circumstances are associated with poor health conditions. Someone who scores with multiple adverse childhood experiences may report social and economic problems as an adult, such as financial hardship, homelessness and not making it through high school or an undergrad program (Font and Jack, 2015). Font and Jack (2015) also discuss in their study that individuals who scored with four or more adverse childhood experiences were more likely to report poor health. These people report sexually transmitted infections, obesity, substance abuse and many more health issues (Font and Jack, 2015). Someone who has gone through multiple adverse childhood experiences and therefore reports a higher ACE score might see early mortality and increased comorbid conditions. prevalence of the leading cause of death in adulthood. There has been very little research on theShow MoreRelatedEmbraced By The Needle By Gabor Mate1494 Words   |  6 Pagesn the essay â€Å"Embraced by the needle† by Gabor Mate, he highlights how an individualà ¨s childhood experiences would make them more susceptible to addiction in their future. He highlights if an individual experienced a traumatic, neglectful, or stressful environment in their childhood they are more vulnerable to addiction as adults. If children grew up in relatively stable and loving homes, but still grow up to become addicts, then there are other underlying factors, like stressed parents, that causeRead MoreExposure To Social Violence1134 Words   |  5 Pages The relationship of objective pregnancy outcome measures and early life adversity found in our study strengthens extends previous findings showing that intra-familial ACEs (child abuse and household dysfunction) are associated with premature delivery (11–13) and low-birth weight (10,13). Furthermore, it spread out past research (23–25) by confirming the association between maternal history of adversities during childhood and depression during pregnancy. Our analysis adds power to the previous literatureRead MoreThe Treatment Of Trauma And How Yoga May Be An Integral Part Of That Care Essay1685 Words   |  7 Pages The Adverse Childhood Experiences study, also known as ACE’s, was a huge breakthrough for preventative health care research. The partnership of Kaiser Permanente and the US Centers for Disease Control and Prevention (CDC) produced one of the largest studies ever conducted to explore associations between childhood maltreatment (chronic and toxic stress from early adversity) and health and well-being throughout the lifespan. The study involves the data from over 17,000 participants collected fromRead MoreChildhood Attachment Disorders And Its Effects On The Developing Brain1473 Words   |  6 PagesInsecure attachments in childhood can have a profound impact on the developing brain, which in turn affects an individual’s relationships, self-esteem, and self-regulation. Substance use disorders are a common response to unresolved childhood pain which is perpetuated by the inability to self-soothe and regulate one’s emotions. Those with undiagnosed attachment disorde rs can exhibit misguided attempts at protecting oneself through the use of substances. Studies with children suggest that reactiveRead MoreUniversal School Based Violence Prevention Programs994 Words   |  4 Pagestaking policy actions against additive substances (WHO 2005). 4. Interventions in promoting healthy development environment for children There is a general consensus that a life course approach to preventing mental disorders is the most effective policy that recognizes that there are key developmental stages and transition points, healthy start in the early years is of foundational importance. The following sub-sections deal with evidence-based early childhood programs widely practiced in countriesRead MoreEthological Theory of Attachment: The Development of Emotion in Children1803 Words   |  7 Pagesï » ¿How Ethological Theory of Attachment Helps in Understanding the Development of Emotion in Children from Adversity? Introduction Attachment theory has been jointly worked out by John Bowlby and Mary Ainsworth. In presenting this theory, both of them have drawn out ideas from the fields of ethology, cybernetics, information processing, developmental psychology, and psychoanalysts. However, John Bowlby is the chief contributor who has originated the essential tenets of the theory. Thus, he hasRead MoreA Research Study On Child Development922 Words   |  4 Pageschild development, has occurred in the years following the Adverse Childhood Experiences Study (1994) conducted by the CDC in conjunction with several academic partners. This study established the standard of â€Å"adverse childhood experiences† (ACEs) upon which subsequent studies have relied for measurement. ACEs include â€Å"psychological, physical, or sexual abuse; violence against mother; or living with household members who were substance abusers, mentally ill or suicidal, or ever imprisoned.† The incidenceRead MoreCharacteristics, Gender, And Class Affected907 Words   |  4 Pageshypertension. Nevertheless, it has been proved that the women tend to endure more the condition than men because they experience traumatic situations repetitively and cyclical form, since they are victims of domestic violence or victims of sexual abuse. People with PTSD have to endure four or more symptoms, and have experienced them for more than one month (National Center for PTSD, n.d.). II. Individuals or Groups Most likely to Be Affected †¢ There are 7.7 million Americans, age 18 or older, whoRead MoreThe Violence And Its Effects On The Lives Of Contemporary Native Generations Essay1400 Words   |  6 Pagesrelationship between mother and daughter, intergenerational transmission of trauma via substance abuse, domestic violence, and identity implications can potentially result in suicide. First off, substance abuse can facilitate the transmission of trauma from mother to daughter. Whether the mother drinks throughout her pregnancy, drinks in the presence of her daughter, or neglects her child due to a substance problem, the mother partakes in the passing down of trauma in a damaging way. In â€Å"IntergenerationalRead MoreSocial Emotions Expressed With Mental Health Staff1022 Words   |  5 PagesAlthough ADHD is associated with reduced school performance and academic attainment. Irrespective of the above, the youth has a history of conduct related behaviors since childhood, such as defiance of authority figures, acts of theft and aggression, and suspensions at school, which would support a diagnosis of Conduct Disorder Childhood Onset Type. This examiner is strongly recommended the youth receive intensive individual counseling to address his anger management problems, and acceptance of crime

Discuss the Social and Economic Impact of Natural...

Natural disasters may be defined as natural catastrophes which cause great damage by disrupting the functioning of a society thus rendering the country incapable of coping through using its own resources as there is a need for outsider assistance in order to effectively preserve lives and the environment. Conversely, Natural hazards are natural phenomena that are potential threats to people within a society, structures or economic assets and may cause disaster. Natural disasters are inevitable and ubiquitous worldwide. Within the Caribbean, they are chiefly present in the forms of hurricanes, earthquakes, floods, droughts, and volcanoes. The great damages caused by natural disasters may be divided into three categories: social, economic†¦show more content†¦Additionally, the destruction of homes has left thousands distraught and unsure of what the future holds since they no longer have a permanent residence or home. Alternatively, loss of home may give the individuals the incentive to start a fresh, and in so doing the government often assist by providing houses which are ostensibly built in places that are more suitable for construction and are durable that is, less likely to easily fall prey to the next hurricane. Hurricanes also results in the disruption of communities. This created chaos and confusion among the people since they will have to rebuild their homes and lives seeing as many are unable to return to their community to live after the hurricane. A prime example is the community of Cave Valley in St. Ann. It was reported to have been submerged under twenty five feet of water and approximately three hundred persons had to be sheltered at Clarksonville. Consequently, the entire community was separated as families ventured into different avenues (community of people) wherein, they will have to be re-socialized and assimilated into a new environment and the fact that a lot of these individuals are poor makes it a lot harder to move on. However, in a situation where the community can be rebuilt there is normally unity among the people and a sense of camaraderie develops as they help each other to recover from the effects of a hurricane. Hurricanes oftentimes lead to employment and profit for placesShow MoreRelatedImpact Of Climate Change On The Environment1338 Words   |  6 Pageschanges to the global climate (Lohmann, 2002). Tourism is particularly vulnerable to the direct and indirect impacts of climate change as the climate influences the appeal, attractiveness and suitability of a destination (Rutty Scott, 2014). Moore (2010) states that the impact of the climate can be physical, physiological and psychological, and it also threatens economic, environmental and social sustainability (Moreno Becken, 2009). Coastal tourism is the largest component of the global tourismRead MoreCaribbean Studies Syllabus5959 Words   |  24 PagesMODULE 1: CARIBBEAN SOCIETY AND CULTURE OVERVIEW Module 1 introduces students to the role played by geography in shaping the society and culture of the Caribbean region as well as the historical evolution of Caribbean society, the cultural characteristics of the Caribbean people, and the ways in which Caribbean society and culture influence and are influenced by societies and cultures outside the region. GENERAL OBJECTIVES On completion of this Module, students should: 1. Understand the factors whichRead MoreKey Internal and External Influences Affecting Tourism in Brazil2536 Words   |  11 PagesExternal Influences Affecting Tourism in Brazil | Audit Report | | | | | | Contents Page: * 1) Introduction * 2) External PESTLE Analysis Table * 2.1) Political Influences * 2.2) Environmental Influences * 2.3) Social Influences * 2.4) Technological Influences * 2.5) Legal Influences * 2.6) Environmental Influences * 3) Internal Strengths amp; Weaknesses * 4) References Key Internal amp; External Influences Affecting Tourism inRead MoreGender Marginalization5547 Words   |  23 Pagesdelving contribution to society. A vicious circle is set up whereby their lack of positive and supportive relationships means that they are prevented from participating in local life, which in turn leads to further isolation. This has a tremendous impact on development of human beings, as well as on society at large. As the objective of development is to create an enabling environment for people to enjoy a productive, healthy, and creative life, it is important to address the issue of marginalizationRead MoreThe History and Structure of the Travel and Tourism Sector Essay9258 Words   |  38 Pagesof the system, the whole system would not work.† Source: http://wiki.answers.com/Q/Elements_of_Tourism_system_model#ixzz1g3G1oCZs Figure 1 - Leipers Tourism System Model, source: Mason (2003, p.11). Source:- entplanet.blogspot.com Social and economic reasons contributed highly to the development and growth of the tourism industry. The 1940’s brought about the introduction of annual leave entitlement. By 1974,the law stated that workers were entitled to four week’s annual leave. ThisRead More Promotion of New and Renewable Sources of Energy Essay2269 Words   |  10 PagesRenewable Sources of Energy Introduction Energy plays a crucial role in the economic development of all nations, especially those with limited access to resources. Access to energy sources is one of the fundamental elements of poverty reduction and sustainable development. It is for this reason that renewable energy and energy efficiency is essential to protect and preserve, as it provides a basis for economic advances, increased education, and environment sustainability. The United NationsRead MoreAgriculture in the Caribbean7544 Words   |  31 PagesIMPORTANCE OF AGRICULTURE IN THE CARIBBEAN Foreign exchange Contribution to GDP/GNP Food security Employment Environmental management CONSTRAINTS AFFECTING CARIBBEAN AGRICULTURE Climate Topography Appropriate Technology Rural Infrastructure Land Tenure and Fragmentation Credit Facilities Marketing Facilities Extension Services Praedial Larceny CLASSIFICATION OF CARIBBEAN FARMS DistinguishingRead MoreRastafarian79520 Words   |  319 Pagescultural formation was controlled fully by the elite who, to a large extent, ran the educational apparatus and the economic system. But much of the country was beginning to question in earnest the structure of colonial society by the early 1930s. The emergence of Rasta during that period corresponds with so much that was happening around the world. Rastas could tell that social unrest in Jamaica was going to lead to a movement away from colonial rule and, having heard Marcus Garvey speak of theRead MoreMy Phone Thesis16066 Words   |  65 Pagessixth spot as one of the top twenty countries with the highest per capita cell phone use. Anguilla is the most northern of the Leeward Islands in the Lesser Antilles in the eastern Caribbean Sea. It also has garnered 95 percent literacy on English. It is good for tourist destinations since it’s the only island in the Caribbean which tourists can feel at ease when it comes to language. The positioning statement is â€Å"For those who want a more â€Å"customized† look, My|Phone is a Philippine mobile phone brandRead MoreEDPM CSEC15093 Words   |  61 PagesCARIBBEAN EXAMINATIONS COUNCIL Caribbean Secondary Education Certificate ® CSEC  ® ELECTRONIC DOCUMENT PREPARATION AND MANAGEMENT SYLLABUS Effective for examinations from May-June 2014 CXC 34/G/SYLL 12 Published by the Caribbean Examinations Council All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form, or by any means electronic, photocopying, recording or otherwise without prior permission of the author or publisher. Correspondence

Fin300 Midterm Free Essays

Ryerson University CFIN300 Midterm Exam Fall 2007 There are 2. 0 hours in this exam. Version A Student Name____________________________ (Please Print) Student Number_________________________________ Notes: 1. We will write a custom essay sample on Fin300 Midterm or any similar topic only for you Order Now This is a closed book exam. You may only have pens, pencils and a calculator at your desk. 2. A formula sheet is attached to the end of the exam. You may detach the formula sheet from the exam. Please fill out the scanner sheet as you go along in the exam. You will not be given extra time at the end of the exam to fill it out. 3. Select the best possible answer for each multiple-choice question 4. Each of the 30 MC questions is worth 1 mark Marks: Available Total 30_________ There are 14 pages in this exam. |2. |Poor Dog, Inc. borrowed $135,000 from the bank today. They must repay this money over the next six years by making monthly | | |payments of $2,215. 10. What is the interest rate on the loan? Express your answer with annual compounding. | |A) |5. 98% | |B) |6. 63% | |C) |4. 1% | |D) |5. 65% | |E) |5. 80% | |3. |How much would you pay for a security that pays you $500 every 4 months for the next 10 years if you require a return of 8% per | | |year compounded monthly? | |A) |$11,228. 48 | |B) |$15,000. 00 | |C) |$10,260. 0 | |D) |$13,724. 90 | |E) |$10,200. 23 | |4. |You can earn 5% per year compounded annually for the next 4 years, followed by 8% per year compounded quarterly for 5 years. | | |What is the average annual compounded rate of return over the 9 year period? Express your answer with monthl y compounding. | |A) | | |B) |6. 2% | |C) |6. 97% | |D) |6. 43% | |E) |6. 59% | |5. |You have just purchased a house for $540,000 with a $200,000 down payment. You are going to get a mortgage at the TF bank for | | |the balance. TF is charging a rate of 5. 8% per year compounded semi-annually on 5 year term mortgages. You want to make weekly| | |payments amortized over 20 years. What is your weekly payment? | |A) |$877. 60 | |B) |$549. 01 | |C) |$545. 47 | |D) | | |E) |$871. 92 | |6. |Master Meter is planning on constructing a new $20 million facility. The company plans to pay 20% of the cost in cash and | | |finance the balance. How much will each monthly loan payment be if they can borrow the necessary funds for 30 years at 9% per | | |year compounded semi-annually? | |A) |$128,740 | |B) |$158,567 | |C) |$160,925 | |D) |$141,982 | |E) |$126,853 | 7. |Gerry Industries has some 8% (per year compounded semi-annually) coupon bonds on the market that are selling at $989, pay | | |interest semi-annually, and mature in fifteen years. The company would like to issue $1 million in new fifteen-year bonds. What | | |coupon rate should be applied to the new bonds if Gerry Industries wants to sell them at par? Express your answer with | | |semi-annual compounding. | |A) |8. 00% | |B) |8. 3% | |C) |7. 87% | |D) |8. 13% | |E) |8. 26% | |8. |You have decided to save $30 a week for the next three years as an emergency fund. You can earn 3. 5 % per year compounded | | |weekly. How much would you have to deposit in one lump sum today to have the same amount in your savings at the end of three | | |years? |A) |$4,441. 26 | |B) |$4,382. 74 | |C) |$4,288. 87 | |D) |$4,305. 19 | |E) |$4,414. 14 | |9. |A credit card company charges you an interest rate of 1. 25% per month. The annual percentage rate is ____ and the effective | | |annual rate is _______. | |A) |15. 00%; 16. 08% | |B) |16. 08%; 15. 00% | |C) |15. 00%; 15. 00% | |D) |15. 00%; 14. 55% | |E) |14. 55%; 15. 00% | |10. The Friendly Bank wants to earn an effective annual rate of 9% on its auto loans. If interest is compounded monthly, what APR | | |must they charge? | |A) |8. 65% | |B) |9. 17% | |C) |8. 58% | |D) |9. 38% | |E) |8. 44% | Use the following to answer question 11: |Rondolo, Inc. |2006 Income Statement | |Net Sales |$12,800 | |Less: Cost of Goods Sold |10,400 | |Less: Depreciation |680 | |Earnings Before Interest and Taxes |1,720 | |Less: Interest Paid |280 | |Taxable Income |$1,440 | |Less: Taxes |500 | |Net Income |$940 | | Dividends |$423 | | Additions to retained earnings |$517 | |Rondolo, Inc. |2006 Balance Sheet | |Cash | |$520 | |Accounts payable | |$1,810 | |Accounts rec | |1,080 | |Long-term debt | |3,600 | |Inventory | |3,120 | |Common stock | |5,000 | |Total | |$4, 720 | |Retained earnings | |1,790 | |Net fixed assets | |7,480 | | | | | |Total assets | |$12,200 | |Total liabilities equity | |$12,200 | | | | | | | | | |11. |Rondolo, Inc. is currently operating at maximum capacity. All costs, assets, and current liabilities vary directly with sales. | | |The tax rate and the dividend payout ratio will remain constant. How much additional debt is required if no new equity is raised| | |and sales are projected to increase by 4 percent? | |A) |-$122. 08 | |B) |$598. 75 | |C) |$416. 00 | |D) |-$562. 50 | |E) |$318. 01 | |12. |Your brother-in-law borrowed $2,000 from you four years ago and then disappeared. Yesterday he returned and expressed a desire | | |to pay back the loan, including the interest accrued. Assuming that you had agreed to charge him 10% per year compounded | | |annually, and assuming that he wishes to make five equal annual payments beginning in one year, how much would your | | |brother-in-law have to pay you annually in order to pay off the debt? (Assume that the loan continues to accrue interest at 10% | | |per year. ) | |A) |$738. 63 | |B) |$798. 24 | |C) |$772. 45 | |D) |$697. 43 | |E) |$751. 46 | |13. |What information to you need to find the 3 year forward rate starting 2 years from now? |A) |2 and 5 year zero coupon spot rates | |B) |3-year zero coupon spot rate | |C) |2 and 3 year zero coupon spot rates | |D) |5 year zero coupon spot rate | |E) |3 and 5 year zero coupon spot rates | |14. |You have been making payments for the last 25 years and have finally paid off your mortgage. Your original mortgage was for | | |$345,000 and the interest rate was 5% per year compounded semi-annually for the entire 25 year period. How much interest have | | |you paid over the last 5 years of the mortgage? | |A) | | |B) |$120,392. 23 | |C) |$13,931. 87 | |D) |$80,743. 13 | |E) |$106,460. 37 | |15. |Which of the following is (are) sources of cash? | | | | | |I. | |an increase in accounts receivable | | | | | |II. | | |a decrease in common stock | | | | | |III. | | |an increase in long-term debt | | | | | |IV. | |a decrease in accounts payable | | | | |A) |I, II, and IV only | |B) |II and IV only | |C) |I only | |D) |III only | |E) |I and III only | |16. Financial planning allows firms to: | | | | | |I. | | |avoid future losses. | | | | | |II. | | |develop contingency plans. | | | | | |III. | | |ascertain expected financing needs. | | | | | |IV. | | |explore and evaluate various options. | | | |A) |I, II, III, and IV | |B) |I and IV only | |C) |III and IV onl y | |D) |II and III only | |E) |II, III, and IV only | Use the following to answer question 17: |Current |$100 | |Assets | | |A) |$52. 00 | |B) |$22. 50 | |C) |$0. 00 | |D) |$4. 50 | |E) |$29. 50 | |18. |A new security will pay an initial cash flow of $100 in 1 year. Thereafter it will pay cash flows every month for the rest of | | |time. The cash flows will grow at 3% per year compounded monthly forever. If you require a return of 6% per year compounded | | |monthly, how much would you be willing to pay for this security? | |A) |$18,932. 30 | |B) |$40,000. 00 | |C) |$37,864. 59 | |D) |$33,333. 33 | |E) |$20,000. 00 | |19. |Which one of the following actions is the best example of an agency problem? |A) |Basing management bonuses on the attainment of specific financial goals | |B) |Requiring stockholders approval of all management compensation decisions | |C) |Paying management bonuses based on the current market value of the firm’s stock | |D) |Paying management bonuses based on the number of store locations opened during the year | |E) |Accepting a project that enhances both management salaries and the market value of the firm’s stock | |20. |The bonds of Frank’s Welding, Inc. pay an 8% annual coupon, have a 7. 98% (per year compounded annually) yield to maturity and | | |have a face value of $1,000. The current rate of inflation is 2. 5% per year compounded annually. What is the real rate of return| | |on these bonds? | |A) |5. 42 percent | |B) |5. 48 percent | |C) |5. 35 percent | |D) |5. 37 percent | |E) |5. 32 percent | |21. |What is the future value of the following cash flows at the end of year 3 if the interest rate is 6% per year compounded | | |annually? The cash flows occur at the end of each year. | | | | |Year 1 | | |Year 2 | | |Year 3 | | | | | |$5,180 | | |$9,600 | | |$2,250 | | | | |A) |$19,341. 02 | |B) |$15,916. 8 | |C) |$19,608. 07 | |D) |$18,246. 25 | |E) |$18,109. 08 | |22. |The I. C. James Co. invested $10,000 six years ago at 5% per year simple interest. The I. M. Smart Co. invested $10,000 six years | | |ago at 5% per year compounded annually. Which one of the following statements is true concerning these two investments? | | | | | |I. | | |The I. C. James Co. has an account value of $13,400. 96 today. | | | | | |II. | | |The I. C. James Co. will have an account value of $13,400. 96 six years from now. | | | | | |III. | | |The I. M Smart Co. will earn $525 interest in the second year. | | | | | |IV. | | |Both the I. C. James Co. and the I. M. Smart Co. will earn $500 interest in the first year. | | | |A) |II, III and IV only | |B) |II and IV only | |C) |I and III only | |D) |III and IV only | |E) |I, III and IV only | |23. |The bonds of Microhard, Inc. carry a 10% annual coupon, have a $1,000 face value, and mature in four years. Bonds of equivalent| | |risk yield 15% (per year compounded annually). Microhard is having cash flow problems and has asked its bondholders to accept | | |the following deal: The firm would like to make the next three coupon payments at half the scheduled amount, and make the final | | |coupon payment be $251. If this plan is implemented, the market price of the bond will (rise/fall) to ___________. (Continue to| | |assume a 15% required return. ) | |A) |$892. 51 | |B) |$865. 45 | |C) |$829. 42 | |D) |$808. 89 | |E) |$851. 25 | |24. Your older sister deposited $5,000 today at 8% per year compounded annually for five years. You would like to have just as much | | |money at the end of the next five years as your sister. However, you can only earn 6% per year compounded annually. How much | | |more money must you deposit today than your sister if you are to have the same amount at the end of five years? | |A) |$367. 32 | |B) |$399. 05 | |C) |$489. 84 | |D) |$201. 0 | |E) |$423. 81 | |25. |Net income differs from operating cash flow due to the handling of: | |A) |Interest expense and depreciation. | |B) |Depreciation and dividends. | |C) |Dividends and non-interest expense. | |D) |Dividends and interest expense. | |E) |Dividends, interest expense, and depreciation. | |26. |Shirley adds $1 ,000 to her savings on the last day of each month. Shawn adds $1,000 to his savings on the first day of each | | |month. They both earn an 8% per year compounded quarterly rate of return. What is the difference in their savings account | | |balances at the end of 35 years? | |A) |$13,923. 34 | |B) |$15,794. 64 | |C) |$16,776. 34 | |D) |$14,996. 47 | |E) |$12,846. 88 | Use the following to answer questions 27-30: |KLM, Inc. |2006 Income Statement | |Net sales |$3,685 | |Cost of goods sold |$3,180 | |Depreciation |$104 | |Earnings before interest and taxes |$401 | |Interest paid |$25 | |Taxable income |$376 | |Taxes |$128 | |Net income |$248 | |Dividends paid |$60 | |Addition to retained earnings |$188 | | | |KLM Corporation | |Balance Sheets as of December 31, 2005 and 2006 | | | | |2005 |2006 | |2005 |2006 | |Cash |$520 |$601 |Accounts payable |$621 |$704 | |Accounts rec. $235 |$219 |Notes payable |$333 |$272 | |Inventory |$964 |$799 |Current liabilities |$954 |$976 | |Current assets |$1,719 |$1,619 |Long-term debt |$350 |$60 | |Net fixed assets |$890 |$930 |Common stock |$800 |$820 | | | | |R etained earnings |$505 |$693 | |Total assets |$2,609 |$2,549 |Total liabilities and Owner’s equity |$2,609 |$2,549 | |27. |What is the net capital spending for 2006? | |A) |$208 | |B) |$144 | |C) |-$144 | |D) |$64 | |E) |-$64 | |28. |What is the cash flow from assets for 2006? |A) |$1,307 | |B) |$2,259 | |C) |$355 | |D) |$2,503 | |E) |$111 | |29. |What is the operating cash flow for 2006? | |A) |$480 | |B) |$169 | |C) |$425 | |D) |$272 | |E) |$377 | |30. |What is the change in net working capital for 2006? |A) |$122 | |B) |$643 | |C) |$765 | |D) |-$643 | |E) |-$122 | |31. |A number of years ago you bought some land for $100,000. Today it is worth $225,000. If the land has been rising is price by | | |5% per year compounded annually, how long have you owned the land? | |A) |14. 1 years | |B) |16. years | |C) |Can’t be determined with the given information | |D) |13. 8 years | |E) |12. 4 years | |FV = PV (1+tr) |[pic] | |FV = PV (1+r)t |[pic] | |[pic] |[pic] | |[pic] |[pic] |[pic] |[pic] | |[pic] |[pic] | |[pic] |[pic] | |[pic] |[pic] | |[pic] |[pic] | |[pic] |Total Dollar Return (TDR) = Dividend Income + Capital Gain (Loss) | | | | | |[pic] | |[pic] |[pic] | |[pic] |Variance of returns [pic] | |[pic] |[pic] | |[pic] |[pic] | |[pic] |[pic] | |Arbitrage Pricing Theory |PV of CCA tax shield [pic] | |[pic] | | |Current Ratio |= |Current Assets | |Total Asset |= |Sales | | | |Current Liabilities | |Turnover | |Total Assets | | | | | | | | | |Quick Ratio |= |Current Assets – Inventory | |ROA |= |Net Income | | |Current Liabilities | | | |Total Assets | | | | | | | | | |Inventory Turnover |= |COGS | |ROE |= |Net Income | | | |Inventory | | | |Total Equity | | | | | | | | | |Cash Ratio |= |Cash | |P/E Ratio |= |Price/common share | | | |Current Liabilities | | | |EPS | | | | | | | | | |Receivables |= |Sales | |Dividend Payout |= |DPS | |Turnover | |Accounts Receivable | |Ratio | |EPS | | | | | | | | | |D/E Ratio |= |Total Debt | |Dividend Payout |= |Cash Dividends | | | |Total Equity | |Ratio | |Net Income | | | | | | | | | |Total Debt Ratio |= |Total Debt | |Market to Book | |Price / Common share | | | |Total Assets | |Ratio |= |Book value of equity | | | | | | | | | | | | | | | | | |Equity multiplier |= |Total Assets | |Profit |= |Net Income | | | |Total Equity |Margin | |Sales | | | | | | | | | |Net Working |= |Net Working Capital | |Interval Measure |= |Current Assets | |Capital-Total Asset | |Total Assets | | | |Average Daily Operating Costs | | | | | | | | | |Long Term Debt |= |Long Term Debt | |Cash Coverage |= |EBIT + Depreciation | |Ratio | |Total Equity + LT Debt | |Ratio | |Interest | | | | | | | | | | | | | | | | |Days’ Sales in |= |365 Days | |Days’ Sales in |= |365 Days | |Receivables | |Receivables Turnover | |Inventory | |Inventory Turnover | | | | | | | | | |Internal Growth |= |ROA x R | |‘Sustainable |= |ROE x R | |Rate | |1 – ROA x R | |Growth Rate | |1  œ ROE x R | | | | | | | | | | | | | |‘Sustainable |= |p(S/A)(1+D/E) x R | | | | | |Growth Rate | |1 – p(S/A)(1+D/E) x R | | | | | | | | | |NWC |= |Sales | |Fixed Asset |= |Sales | |Turnover | |NWC | |Turnover | |Net Fixed Assets | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |Times Interest |= |EBIT | |CF from Assets = | | | | | |Operating CF – Cap Ex – Additions to NWC | | | | | | | | | | | |Operating CF = EBIT + Deprec – Tax | | | | | |=Sales – Costs – Taxes | | | | | |= (Sales – Costs) x (1 – Tc) + Deprec x Tc | | | | | | | | | | | |Cap Ex = End Gross FA – Beg Gross FA | | | | | |Cap Ex = End Net FA – Beg Net FA + Deprec | | | | | | | | | | |Add to NWC = End NWC – Beg NWC | | | | | | | | | | | |CF to Debtholders = Interest – Net New Debt | | | | | | | | | | | |CF to Shareholders = Divs – Net New Equi ty | | | | | | | | | | | |CF from Assets = CF to Debtholders + CF to | | | | | |Shareholders | |Earned | |Interest Charges | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Answer Key |2. |E | |3. |E | |4. |E | |5. B | |6. |E | |7. |D | |8. |A | |9. |A | |10. |A | |11. |A | |12. |C | |13. |A | |14. C | |15. |D | |16. |E | |17. |E | |18. |C | |19. |D | |20. |C | |21. |D | |22. D | |23. |C | |24. |C | |25. |A | |26. |D | |27. |B | |28. |C | |29. |E | |30. |E | |31. |B | How to cite Fin300 Midterm, Essay examples

Commemorative Speech Outline Sample Essay Example For Students

Commemorative Speech Outline Sample Essay To inform my audience about what happens during stylostixis. how it works. what it can handle. and its usage in Western civilization. Cardinal IdeaAcupuncture is the interpolation of acerate leafs into the tegument that can better the flow of energy. can handle a broad scope of medical conditions. and is being used combination with Western medical specialty. Pattern of OrganizationTopical Introduction Six months ago. my 78-year-old grandma was rapidly losing her independency. Severe arthritis in both articulatio genuss hampered her ability to take attention of herself. Shopping. acquiring around the vicinity. even walking down her front stairss was going about impossible. Pain medicines helped slightly. but the side effects created their ain jobs. Then her physician suggested stylostixis. My grandma was disbelieving at first. but she was willing to seek merely about anything. She did and the consequences were marvelous. After six hebdomads. her hurting and stiffness were significantly reduced. She was able to take attention of her flat once more. She could acquire out on her ain to travel shopping. to see friends and household. and to make the other things her arthritis had prevented in the yesteryear. Acupuncture restored her quality of life and her independency. My grandmas narrative is non alone. Performed for good over 2. 000 old ages in China and other parts of Asia. stylostixis is going more and more popular in the U. S. and other Western states for one simple ground. It works. Impressed by my grandmas experience. I began acupuncture interventions for my megrim concerns. and now the concerns are wholly gone. Not surprisingly. I wanted to cognize more about this intervention that produced such marvelous consequences for both my grandma and myself. Today I will portion portion of what I have learned by explicating what happens when you receive an stylostixis intervention. how acupuncture works. the sorts of medical conditions that can be treated by stylostixis. and the turning usage of stylostixis in combination with Western medical techniques. Lashkar-e-taibas start by looking at a typical stylostixis intervention. Body Acupuncture is the interpolation of acerate leafs into the tegument to accomplish a balanced flow of energy. which in bend restores and preserves wellness. Acupuncturists in the United States use sterilized acerate leafs that are separately packaged and are disposed of after a individual usage. The acerate leafs are so thin that the procedure is basically painless. Acupuncture acerate leafs are much smaller than the acerate leafs used for pulling blood or acquiring shootings. Here are some acerate leafs I received from my acupuncturist and will go through around after my address. They are so thin that you can barely state when they are inserted. There is normally no esthesis other than pain alleviation one time they have been inserted. After being left in for 20 to 30 proceedingss while you lie in a darkened room. the acerate leafs are removed and your intervention is over. Passage Now that you know what happens when you are treated by an acupuncturist. youre likely inquiring how acupuncture works. Acupuncture works by bettering the flow of energy in the organic structure. The procedure is explained by Dr. Felix Mann in Acupuncture The Ancient Chinese Art of Healing and How it Works Scientifically. Traditional Chinese medical specialty holds that every life procedure is based on the flow of critical energy through the organic structure. This energyknown in Chinese as qiflows along channels or tracts called acmes. The meridians cover the full organic structure. running from the top of the caput to the underside of the pess and down both weaponries. .ue281edd08a1a32587b3be2cb1b011f69 , .ue281edd08a1a32587b3be2cb1b011f69 .postImageUrl , .ue281edd08a1a32587b3be2cb1b011f69 .centered-text-area { min-height: 80px; position: relative; } .ue281edd08a1a32587b3be2cb1b011f69 , .ue281edd08a1a32587b3be2cb1b011f69:hover , .ue281edd08a1a32587b3be2cb1b011f69:visited , .ue281edd08a1a32587b3be2cb1b011f69:active { border:0!important; } .ue281edd08a1a32587b3be2cb1b011f69 .clearfix:after { content: ""; display: table; clear: both; } .ue281edd08a1a32587b3be2cb1b011f69 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .ue281edd08a1a32587b3be2cb1b011f69:active , .ue281edd08a1a32587b3be2cb1b011f69:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .ue281edd08a1a32587b3be2cb1b011f69 .centered-text-area { width: 100%; position: relative ; } .ue281edd08a1a32587b3be2cb1b011f69 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .ue281edd08a1a32587b3be2cb1b011f69 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .ue281edd08a1a32587b3be2cb1b011f69 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .ue281edd08a1a32587b3be2cb1b011f69:hover .ctaButton { background-color: #34495E!important; } .ue281edd08a1a32587b3be2cb1b011f69 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .ue281edd08a1a32587b3be2cb1b011f69 .ue281edd08a1a32587b3be2cb1b011f69-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .ue281edd08a1a32587b3be2cb1b011f69:after { content: ""; display: block; clear: both; } READ: Contemporary China EssayWhen the free flow of energy through these acmes is blocked. the consequence is hurting. unwellness. disease. or other physical jobs. The purpose of stylostixis is to reconstruct the unfastened flow of energy through the acmes. This is done by puting the acerate leafs at specific points on the acmes. Wholly there are more than 1. 000 stylostixis points on the acmes. In China there is a stating There is no hurting if there is free flow if there is hurting. there is no free flow. The grounds is clear that stylostixis works in handling a broad scope of medical conditions. The World Health Organization lists more than 40 conditions that can be efficacio usly treated with stylostixis. A survey in the Annalss of Internal Medicine confirms that stylostixis relieves low-back hurting. The American Cancer Society reports that stylostixis may assist tobacco users kick their wont. Peoples besides use stylostixis to construct the immune system. to command allergic reactions. and to battle depression and anxiousness. You cant use stylostixis to mend a broken arm. but people in Asia frequently use it during surgery alternatively of Western anaesthesia. and it can rush recovery clip after surgery. A figure of clinics and infirmaries are uniting stylostixis with Western medical specialty to supply their patients the benefits of both. Massachusetts General Hospital in Boston has added stylostixis to its health centre. Dr. Lonnie Zeltzer of the Mattel Childrens Hospital at UCLA says that stylostixis truly does assist. Most kids accept stylostixis. and in fact. truly experience good about it. Neurologist Allan Gordon. Director of the Wasser Pain Management Center at Mount Sinai Hospital in Toronto. Canada. says that adding stylostixis to the infirmary expands the intervention available to chronic hurting sick persons and provides multiple options for attention to our patients. The National Institutes for Health study that more than 8 million Americans have tried stylostixis. and its usage throughout the remainder of the Western universe is turning fast. Decision Today we have learned what happens during an stylostixis intervention. how acupuncture works. some of the unwellnesss that can be treated with stylostixis. and the turning integrating of stylostixis with Western attacks to medicate. I hope that you now know more about this ancient medical pattern and the benefits it can supply. After old ages of incredulity about stylostixis. the West is eventually get downing to acknowledge that stylostixis is a extremely effectual manner to better wellness and to cut down hurting and agony. Just inquire my grandma.