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Travel Personality, Motivators, and Tourism Trends

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1. The person who believed we travel to 'Escape the Family' was: Freud

2. The travel personality of a tourist who visits Mt. Everest would be considered: Allocentric

3. A person who travels 3 hours to another city for business purposes and returns within 24 hours is a: Same day visitor

4. When Canadians travel outside the country, the country that receives the most Canadians visitors is: USA

5. 2011 Total - 2010 Total (40,000,000-34,000,000 times 100) Equals the Change

6. A= 2011 Total (1+%Change/100)^# of years (Number of arrivals in 20--)

7. The main travel motivator for someone who prefers to fly first class is: Status and prestige motivator

8. Events causing negative impact on travel: 9/11

9. If the ratio scale of 1:200 000 were converted to a

... Continue reading "Travel Personality, Motivators, and Tourism Trends" »

Centre of all inscribed circles is curved camber atpl

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Circumference: is a curved closed line in which all points are at the same distance from fixed point called centre of the circumference. Cylinder: have two congruent, parallel bases like prism, but instead of polygons, those bases are circles. The altitude of a cylinder is any perpendicular segment from the plane of one base to the plane of the other. Cone: has a circle as a base; its radius is the radius of the circle. The vertex of a cone is the greatest perpendicular distance from any base. The altitude of a cylinder is the perpendicular segment from the vertex to the plane of the base. Sphere: is the set of all points in space from given point. The given distance is caled radius, and given points is the centre of the sphere. A hemisphere
... Continue reading "Centre of all inscribed circles is curved camber atpl" »

Common English Phrases and Expressions for Language Learners

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KEYS

1. You must be wondering why I haven’t phoned you.

2. The heavy rain prevented us from having the picnic we had planned.

3. Recently, there has been a rise in the number of people who study a degree.

4. It was a matter of minutes before the police came.

5. Can anyone come up with a solution to this problem?

6. Are you accusing me of not telling the truth about what happened?

7. I haven’t got round to phoning you, but I’ll do it soon.

8. Economists say that there is no doubt that the situation will get better.

9. It was my mother who/that got me interested in reading.

10. What is that’s causing you such a lot of confusion?

11. She made a very quick decision without giving enough thought to the matter.

12. It was a while until/ till/ before... Continue reading "Common English Phrases and Expressions for Language Learners" »

HTHSCI 3CO4 Cheat Sheet

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Introduce Research

  • Study design/methods
  • Appraisal
  • Interpretation
  • Application/utilization

Understand

  • Evidence Informed Decision Making Model
  • Sources of Evidence
  • Types of research that inform practice (quantitative, qualitative, mixed methods)
  • Why research studies should be critically appraised

1.2 Research, EBP & EIDM

  • There are different ways of knowing; Empirical, Personal, Aesthetics, Ethical
  1. Empirical (focus of class)
  • Theories, models, facts
  • Validation, confirmation
  • Scientific competence
  1. Personal knowledge
  • Person stories, self
  • Reflection, response
  • Therapeutic use of self
  1. Aesthetics knowledge
  • Experience of nursing, health, illness
  • Appreciation, grasp meaning
  • Transformative act/acts
  1. Ethical Knowledge
  • Principles, codes
  • Justification, dialogue

Evidence-Based Practice... Continue reading "HTHSCI 3CO4 Cheat Sheet" »

Bond Valuation Problems and Solutions

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Chapter 6 Review: Bond Valuation Problems

  1. Coupon Rate Calculation

    A $1,000 face value bond is currently quoted at 100.8. The bond pays semiannual payments of $22.50 each and matures in six years. What is the coupon rate?

    Coupon rate = ($22.50 × 2) / $1,000 = 0.0450, or 4.50 percent

  2. Current Price of a Bond

    A $1,000 face value bond currently has a yield to maturity of 8.22 percent. The bond matures in five years and pays interest semiannually. The coupon rate is 7.5 percent. What is the current price of this bond?

    FV = 1000; PMT = 75/2 = 37.5; N = 5 x 2 = 10; I/Y = 8.22 / 2 = 4.11 => PV = 970.96

  3. Determining Coupon Rate

    A six-year, semiannual coupon bond is selling for $991.38. The bond has a face value of $1,000 and a yield to maturity of 9.19
... Continue reading "Bond Valuation Problems and Solutions" »

Child Growth and Development Characteristics

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10. Growth and development of children. Characteristics of growth and development in different periods of childhood and adolescence

Background:

  • - Child development refers to the biological and psychological changes that occur in human beings between birth and the end of adolescence, as the individual progresses from dependency to increasing autonomy

  • - Basic Body Characteristics: Body height and weight, circumference characteristics, indexes → inserted in percentile graphs

  • - Assessment of Growth:

o Height:

  •  Children to 18-24 months are measured in lying position; vertex is touching vertical plain by the zero point of the meter. Legs are straight; heels are touching the next horizontal end of the meter

  •  Older children are measured in standing

... Continue reading "Child Growth and Development Characteristics" »

Understanding Bond Default Rates and Correlation

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Distribution of Moody's Ratings

Historical Default Rates

  • Rating Agencies
  • Default rates from bonds
  • Market Data

CAPM Model for Bond Returns

The usual CAPM has to be modified to include expected loss per year.

What must the β be to justify the excess spread for Baa Bonds?

Merton's Model

A Structural Model That Predicts Default Rates

How Do We Find V0 and σV?

We know E0 and σE, and

An application of Ito's lemma shows

These allow us to find V0 and σV from E0 and σE.

Default Correlation

Defaults: If Firm A Defaults, is Firm B More Likely to Default Too?

No Default Correlation

Consider two firms, X and Y:

QX = 0.1, QY = 0.2

If X and Y are uncorrelated, then the probability that they both default is QX × QY = 0.02

Building Default Correlation

If X and Y are correlated,... Continue reading "Understanding Bond Default Rates and Correlation" »

Ace Your Exam: Machine Rate & Cost Calculation Formulas

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Final Exam Cheat Sheet

Machine Rate Problems

Gravel Calculations: 2 mi x 5280 ft/mi x 14 ft wide x (4 in depth/12 in/ft). This answer * 100 lbs/ft^3 = 4928000/2000 = 2464 tons * $56672


Total cost = fixed cost + variable costs + labor costs


Culvert Diameter: A = C(watershed acres/total acres)M(acres)^0.75 = ft^2


D = radical (ft^2/0.005454) = 20.26 = 22"


Fixed costs = depreciation + II&T


Depreciation = P-S/(N x SMH /yr) =
**********************************************************************************************
$550,000-($550,000 x 0.20)/6 x 2000 = $36.67
P = Purchase S = Salvage N = useful life yrs smh = Scheduled hours


AVI = (P-S(N+1)/2N)+S =
($550,000-(((($550,000x0.20))(6+1))/2x6) + ($550,000x0.20)=
$366,666.67


Curves
D = E
... Continue reading "Ace Your Exam: Machine Rate & Cost Calculation Formulas" »

Statistics Review: A Comprehensive Guide to Data Analysis

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Chapter 1: Categorical (Qualitative) Data

What is Categorical Data?

Categorical data describes the qualities of individuals or objects, rather than quantities. It's about characteristics that can be grouped into categories.

Examples of Categorical Data:

  • Hair Color
  • Preferred Clothing Brand
  • Nationality

Visualizing Categorical Data:

Categorical data is often displayed using:

  • Bar Charts
  • Pie Charts
  • Tables

Chapter 2: Quantitative Data

What is Quantitative Data?

Quantitative data deals with numbers and measurements. It allows for comparisons and mathematical operations.

Examples of Quantitative Data:

  • Height
  • Weight
  • Age

Visualizing Quantitative Data:

Quantitative data is often presented using:

  • Dot Plots
  • Stem Plots
  • Histograms

Measures of Center

  • Mode: The most frequent value
... Continue reading "Statistics Review: A Comprehensive Guide to Data Analysis" »

Bond Price Sensitivity and Default Risk Premium Analysis

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Bond Price Sensitivity

7.7 Interest rate sensitivity. An investor purchased the following 5 bonds. Each bond had a par value of $1,000 and an 8% yield to maturity on the purchase date. Immediately after the investor purchased them, interest rates fell, and each of them had a new YTM of 7%. What is the percentage change in price for each bond after the decline in interest rates? Fill in the following table:

BONDPRICE @8%PRICE @7%PERCENTAGE CHANGE
10 year 10% annual coupon1,134.201,210.716.75%
10 year zero463.19508.359.75%
5 year zero680.58721.994.76%
30 year zero99.38131.3732.19%
$100 perpetuity (100/0.8 or 0.7)1,250.001,428.5714.29%

N=10 Y=8 or 7 PV=? FV=1000 PTM=0 except coupon=100

Default Risk Premium

6.4 Default risk premium. A treasury bond that... Continue reading "Bond Price Sensitivity and Default Risk Premium Analysis" »