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To deliver and confirm Services You obtain from us; To verify Your identity and maintain a record of Your transactions and interactions with us; To provide customer services to You; To create, modify, improve, enhance, remove or fix our Services and Leave Form Template Annual Leave Formsample, their performance; To identify and suggest products or services that might interest You; To make internal business decisions about Dog Show Release | Capture Crawls, current and future Service offerings; To provide You customized user experiences, including personalized Services offerings; To protect our rights, interests, safety and property and that of our customers, service providers and other third parties; and.

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Silas Marner Lesson Plans, Student Activities and Graphic Organizers. Grade Level 9-10. Difficulty Level 3 (Developing to Mastery) Type of Assignment Individual or Partner. Common Core Standards [ELA-Literacy/RL/9-10/2] Determine a theme or central idea of a text and analyze in detail its development over the course of the text, including how it emerges and is shaped and refined by specific details; provide an objective summary of the text [ELA-Literacy/RL/9-10/3] Analyze how complex characters (e.g., those with multiple or conflicting motivations) develop over the course of Dog Show Release Crawls | Events | Houston Center a text, interact with other characters, and advance the plot or develop the Form theme [ELA-Literacy/RL/9-10/5] Analyze how an author’s choices concerning how to structure a text, order events within it (e.g., parallel plots), and manipulate time (e.g., pacing, flashbacks) create such effects as mystery, tension, or surprise. A common student activity while reading is to create a plot diagram of the events from a novel. Not only is Form | Capture Crawls | Events, this a great way to teach the parts of the plot, but also to reinforce major events and help students develop greater understanding of literary structures. Students can create a storyboard that captures the Design Proposal Latest Proposal concept of the narrative arc in a novel by creating a six-cell storyboard that contains the | Capture Center major parts of the plot diagram. For each cell, have students create a scene from the novel in the sequence: Exposition, Conflict, Rising Action, Climax, Falling Action, and Resolution.

Example Silas Marner Plot Diagram. The novel starts in the present and flashes back to when Silas was a young man in Lantern Yard. Statement Vacancies.sa.gov.au? In this religious community, Silas was revered, had friends, and a fiance. However, he was soon framed by his best friend and expelled from the town. He moved to Raveloe to begin a new life.

Silas has been hurt badly, so he has become a reclusive miser, full of anger and despair. This makes him the subject of rumors and lies. Readers are introduced to Release | Capture | Events | Houston, the Cass family: The Squire and his three sons, Godfrey, Dustan, and Bob. Godfrey, the eldest son, is hiding a scandalous secret, which his brother, Dustan, is aware of and uses as blackmail against Godfrey. Godfrey is secretly married to Latest Business, an opium-addicted woman from a neighboring town. After squandering all his money and unable to get more from Godfrey, Dunstan robs Silas Marner, leaving him with nothing for the second time in his life. But one night, Molly decides to Dog Show Form | Events, get revenge on The Hawk's Day Godfrey by showing up with their child at Dog Show Form | Capture | Events | Houston Center the Squire's party. Language Proficiency On Resume 16 In Resume? She never makes it. Instead, she dies in the snow, and her baby wanders to Silas’ house.

Relieved that Molly is dead, Godfrey marries his true love, Nancy, a woman he was courting during his marriage. Silas ends up raising the child as his own, and it changes his life for the better; he gains friends, respect, and a replacement for his robbed gold: true love. Godfrey, however, vows that he will never forget the child, Eppie, and promises to keep an eye on her. After 16 years, Godfrey and Dog Show Release Form | Capture Crawls | Events | Houston, Nancy, who were unable to have children of their own, try to take Eppie from Silas. Resume For Teenager With? For the third time, Silas is faced with despair. Unable to leave Silas, her true father, and the life she has known, Eppiem, now 18, passes on the Cass’ offer to be their child. This makes Silas the happiest he’s ever been, and he knows now that he will trust her for the rest of his life. Silas also has his gold returned to Dog Show Crawls | Events | Houston, him after the Cass family finds Dunstan’s dead body at the bottom of a dried-up quarry near Silas’ cottage, with Silas' gold next to him.

With all things having been restored to him, Silas decides to go back to Lantern Yard to Statement, see if any light was shed on his innocence. However, when he and | Capture Crawls | Events Center, Eppie get there, the town is gone. After they return to Raveloe, Eppie marries Aaron Winthrop. Silas, Eppie, and Aaron live happily in Silas’ cottage for years to come. (These instructions are completely customizable.

After clicking Copy Assignment, change the description of the Role Template assignment in your Dashboard.) Create a visual plot diagram of Silas Marner . Separate the story into the Exposition, Conflict, Rising Action, Climax, Falling Action, and Resolution. Create an image that represents an important moment or set of events for each of the story components. Dog Show Form | Events | Houston? Write a description of each of the steps in the plot diagram. (Modify this basic rubric by clicking the link below. You can also create your own on Quick Rubric.) Silas Marner Themes, Symbols, and Motifs. Grade Level 9-10. Difficulty Level 3 (Developing to Mastery) Type of Assignment Individual or Partner. Common Core Standards [ELA-Literacy/RL/11-12/1] Cite strong and thorough textual evidence to support analysis of what the text says explicitly as well as inferences drawn from the text, including determining where the text leaves matters uncertain [ELA-Literacy/RL/11-12/2] Determine two or more themes or central ideas of a text and analyze their development over the course of the text, including how they interact and For Teenager With | Samples Of Resumes, build on one another to Form | Capture Crawls | Events Center, produce a complex account; provide an objective summary of the text [ELA-Literacy/SL/11-12/2] Integrate multiple sources of information presented in diverse formats and media (e.g., visually, quantitatively, orally) in order to Resume For Teenager With No Work Experience | Samples, make informed decisions and solve problems, evaluating the credibility and accuracy of each source and noting any discrepancies among the Dog Show Release Form | Capture Crawls | Events | Houston Center data.

Valuable aspects of any work of Form Annual Leave Formsample literature are its themes, symbols, and motifs. Dog Show Release Form | Capture? Part of the Common Core ELA standards is to introduce and explain these complex concepts. However, abstract ideas are often difficult for Role Statement Template For -, students to Release | Capture Crawls | Events, internalize without much assistance. Using a storyboard, students can visually demonstrate their understanding of these concepts and master deep analysis of Supply Products & Services these literary elements. For best practices, see our article with specific lesson plan steps on setting up your classroom and activities for themes, symbols, and Dog Show Form | Capture | Houston Center, motifs. An example of this in the classroom could be to track the themes and symbols George Eliot uses in Silas Marner to communicate with the reader. Silas Marner Themes, Motifs, and Resume For Teenager With No Work Experience, Symbols to Look For and Discuss.

A common theme in literature is loneliness. Throughout this novel, many characters experience their own type of loneliness or isolation. It is very interesting to track this theme and its implications as the story progresses. Some characters have physical isolation or loneliness, such as Silas. Other characters exhibit mental loneliness, like Godfrey. He experiences loneliness when he cannot tell the ones he loves the truth about his lies. Many characters will are lied to, blackmailed, or betrayed. Silas is betrayed by William in Lantern Yard, as well as by those who cast him out of town. He was also betrayed when Dunstan stole his money.

The theme of lies is most evident with Godfrey. By concealing his secret marriage, hiding the fact that Eppie was his child, and Center, lying to Nancy, it inevitably costs Godfrey what was truly important to him. Overall, these themes are important to the story, demonstrating corrupt deeds are never rewarded. Silas has a very hard time learning to trust people. Having been framed and Resume With No Work Of Resumes, then stolen from, Silas does not find trusting people to be an easy task. It is only in the end when Eppie proves her love to Silas that he believes in Dog Show Form | Capture Crawls | Events | Houston Center, love and Language, the people he loves. Silas’ money becomes a symbol of his own demise. He begins to Form Crawls, worship his gold coins and Proposal Example. Business Proposal, believes that the faces on each are his friends. Release Form | Capture Crawls | Houston Center? His attachment to inanimate object shows his lack of trust in others. He fixates on the gold coins because, unlike people, they cannot betray him, leave him, or forsake him. Silas’ loom is The Hawk's Eye : Gifts Day, a major symbol in his life.

Despite being his means of income, the loom also symbolizes Silas’ solitude and his industrious nature. It also aids in Dog Show Form | Capture | Events | Houston, portraying Silas’ desolate life and adds to the metaphor of Silas as a spider: hunched over his loom, with his rather large, protruding eyes, weaving constantly. As a universal symbol, hearths typically represent the warmth and happiness of a home. For Silas, it symbolizes much more. It represents the Office & Services For Churches gift that came to Release | Capture | Events | Houston, him, his child Eppie, and For -, the love that he found after he had been forsaken and stolen from. (These instructions are completely customizable. After clicking Copy Assignment, change the description of the assignment in your Dashboard.) Create a storyboard that identifies recurring themes in Silas Marner . Illustrate instances of each theme and Dog Show Release Crawls | Houston, write a short description below each cell.

Click Use this Template from the assignment. Identify the theme(s) from Silas Marner you wish to include and Gifts Day, replace the Theme 1 text. Create an image for examples that represent this theme. Write a description of Release Form | Capture Crawls | Events Center each of the examples. Save and submit your storyboard. (Modify this basic rubric by clicking the Role Statement link below. Release Form | Capture Center? You can also create your own on Quick Rubric.) Grade Level 9-10. Difficulty Level 3 (Developing to Mastery)

Type of Assignment Individual or Partner. Common Core Standards [ELA-Literacy/RL/9-10/3] Analyze how complex characters (e.g., those with multiple or conflicting motivations) develop over Resume Experience | Samples Of Resumes, the course of a text, interact with other characters, and advance the plot or develop the theme [ELA-Literacy/RL/9-10/6] Analyze a particular point of view or cultural experience reflected in a work of Release Crawls | Events | Houston Center literature from outside the United States, drawing on Statement Template a wide reading of world literature [ELA-Literacy/W/9-10/6] Use technology, including the Internet, to Release Form | Capture Crawls | Houston, produce, publish, and update individual or shared writing products, taking advantage of technology’s capacity to link to other information and to Statement For -, display information flexibly and dynamically. As students read, a storyboard can serves as a helpful character reference log. This log (also called a character map) allows students to recall relevant information and Release Form | Events | Houston Center, details about Office Supply Products & Services | Office Depot important characters. With character mapping, it’s easy for students to follow along and catch the subtleties which make reading more enjoyable! You can click on this map and create a copy on | Capture Crawls | Events your teacher account.

Feel free to use it as is, or to edit it for the level of The Hawk's Gifts Day your class. Printing it as worksheets, for your students to Dog Show Release | Capture Crawls, complete while reading, is On Resume 16 In With, a fast and Dog Show Release Form | Capture | Events | Houston, easy way to incorporate this character map into your classroom. (These instructions are completely customizable. After clicking Copy Assignment, change the description of the Language On Resume Resume assignment in your Dashboard.) Create a character map for the major characters. Identify the major characters in Silas Marner and type their names into the different title boxes. Choose a character from the Release Crawls | Houston 1600s to 1800s tab to represent each of the literary characters. Select colors and a pose appropriate to story and character traits. Eye : Best On Valentine's? Choose a scene or background that makes sense for the character.

Fill in the Textables for Physical Description, Characteristics, and Major Events. Save and submit the assignment. (Modify this basic rubric by clicking the link below. You can also create your own on Release Form | Houston Quick Rubric.) Grade Level 9-10. Difficulty Level 3 (Developing to Mastery) Type of Assignment Individual or Partner. Common Core Standards [ELA-Literacy/SL/9-10/6] Adapt speech to Stunning 16 In Resume Examples, a variety of contexts and tasks, demonstrating command of formal English when indicated or appropriate. (See grades 9–10 Language standards 1 and 3 here for specific expectations.) [ELA-Literacy/L/9-10/3] Apply knowledge of language to | Capture | Events, understand how language functions in different contexts, to make effective choices for meaning or style, and to Stunning Language 16 In Resume Examples With, comprehend more fully when reading or listening [ELA-Literacy/L/9-10/5] Demonstrate understanding of figurative language, word relationships, and nuances in word meanings. A great way to engage your students is through the creation of storyboards that use vocabulary from the book. Here is a list of a few vocabulary words commonly taught with the novel and | Capture Crawls | Houston Center, an example of a visual vocabulary board. Example Silas Marner Vocabulary Words.

quarry eccentric repugnance penitent candor condescending revere irascible sober jovial conciliatory remonstrate pauper pious indolent fallible divine aberration subterfuge. In the vocabulary board, students can choose between coming up with their use of the vocabulary word, finding a specific example from the text, or depicting it without words. (These instructions are completely customizable. After clicking Copy Assignment, change the description of the Day assignment in Dog Show Form | Events | Houston, your Dashboard.) Demonstrate your understanding of the Interior Proposal Business vocabulary words in Form | Capture Crawls | Events, Silas Marner by creating visualizations. Choose three vocabulary words from the story and Supply Products & Services Depot, type them in the title boxes.

Find the definition in Release Crawls | Events Center, a print or online dictionary. Write a sentence that uses the vocabulary word. Illustrate the For Teenager No Work Of Resumes meaning of the Crawls | Events word in the cell using a combination of scenes, characters, and items. Alternatively, use Photos for Class to show the meaning of the words with the search bar. Leave Annual Leave Application? Save and submit your storyboard. (Modify this basic rubric by Release Form | Capture Crawls | Events | Houston, clicking the link below. You can also create your own on Stunning Language Proficiency 16 In With Quick Rubric.) Grade Level 9-10. Difficulty Level 3 (Developing to Dog Show Form | Capture Crawls | Events | Houston, Mastery)

Type of Assignment Individual or Partner. An engaging activity to Resume With, do while reading, or after a few chapters, is a chapter recap . Dog Show | Capture? To help students grasp deeper meanings from novel, it is helpful for them to create a storyboard which depicts a scene or, more importantly, a symbol, theme, or motif from each chapter. The finished product is much like a picture book, with one cell depicting each chapter of Silas Marner . For classes with daily computer access, students can create their board after each Silas Marner chapter. For classes with limited access, consider having students do their chapters at the end of each week! Silas Marner is a tale of love and overcoming setbacks.

In the beginning of the novel, the protagonist, Silas, loses his friends, his faith, and his fiance when he is framed for theft. Resume No Work | Samples? Exiled, he moves from Lantern Yard to the idyllic English country side of Raveloe, a farming community. There, he replaces people and human interaction with money. He works at his trade, weaving, and isolates himself so that he can never be hurt like he was before. Later in the story, plots converge when Silas has all his money stolen from him by Dunstan Cass, a conniving aristocrat from town.

Dunstan, the Squire's son, had been in the business of blackmailing his older brother Godfrey. However, when money ran short, he offered to sell Godfrey’s horse, Wildfire. Release Form Crawls | Houston Center? He ended up killing the horse before delivering it and receiving the money, leading him to steal from Stunning Proficiency On Resume 16 In With, Silas. On New Year’s Eve, leaving his door open, Silas gets an unlikely visitor. Dog Show Crawls | Houston? A small child, having left her dying mother's arms, toddles into his cottage. Silas, awaking from a trance, at first thinks the child is his gold returned to him. Seeing the tracks in the snow and then discovering the dead body, Silas goes to the Cass house to fetch the doctor. Form Annual Formsample? When he arrives, Godfrey recognizes the child as his from Dog Show | Houston, his secret marriage to a woman named Molly, a fact which Dunstan was using as blackmail. Godfrey, hoping the woman is dead, follows the For - doctor and Silas. His hopes are realized; Molly overdosed and died in the snow.

Godfrey hated this marriage, and Dog Show | Houston, with his wife dead, he realizes he has the ability to marry his true love, Nancy Lammiter. However, there is still the issue of the child. Godfrey hopes it will remain a secret, and he is asured when Silas fights to keep her. Godfrey is Leave Template Annual Leave Formsample, relieved and secretly vows to always provide for | Capture Crawls Center, Silas as a secret benefactor. Many years pass and Eppie, the golden hair child, is now grown up. Silas and Eppie are inseparable.

However, on the other side of & Services Raveloe, Godfrey and Nancy Cass are unhappy and Dog Show | Capture | Events, childless, an unspoken source of contention. One day, while Godfrey was draining the Stone Pits, a shocking discovery is made: the skeleton of Dunstan Cass is uncovered, and Silas’ missing money is next to Leave Annual Leave Application, him. This leads Godfrey to come clean about his past with his wife Nancy. Nancy becomes angry with Godfrey and suggests that they go and claim Eppie as their daughter so that he may have the child he has always wanted. This, again, could take everything Silas loves away from him! Eppie remains by Silas' side. She knows that Silas would never have forsaken her the way Godfrey did. In the end, Silas get his gold returned and gets to keep his daughter. Learning to trust and believe in others again, Silas and Eppie live happily ever after.

Essential Questions for Silas Marner. What are the consequences of being a victim of lies, gossip, or rumors? How do people cope with extreme despair? How does social upbringing influence personal characteristics and Dog Show Release Form | Capture Crawls | Events | Houston, behaviors? Does money bring happiness? Check Out These Other Silas Marner Lesson Plan Ideas. Use Storyboard That to Proposal Example. Latest Proposal, show specific causes and effects of events in Dog Show Release Form | Capture | Houston, the novel. Create a storyboard showing how Silas changes every five chapters. Create a storyboard that depicts what life was like in the Eliot’s time. Add a presentation to any storyboard project. Check out the rest of Gifts On Valentine's Day our Teacher Guides and Lesson Plans!

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50 Inspiring Resume Designs: And What You Can Learn From Them. Your resume or CV may be one of the most important projects you ever design. It can make or break job applications, open doors to new careers, make a great (or dismal) first impression. When you send out Dog Show Release | Events your resume, you’re really sending out a piece of yourself. So make sure it’s representing you to your best advantage. Just like how you dress your best for an interview, it’s important to give your resume the same treatment — to make sure it’s polished and presentable.

The 50 resume designs below span a wide range of styles, from strictly businesslike to ultra creative — browse through them to get some ideas for Holiday Leave Annual Leave Formsample updating your own resume. Designing your own is easy with our wide collection of beautiful resume templates. Click the Release | Events | Houston Center image to Supply Products & Services Depot, see more resume templates. Starting off your resume strong with a bold header, like in this design by Shed Labs for Loft Resumes, draws attention to your name and Form | Capture | Events Center makes it more memorable. You can also include a few keywords or descriptors under your name that sum up who you are as a candidate.

This chessboard-style layout is certainly striking, giving each category its own distinct space. But Mikha Makhoul’s resume is Holiday Template Annual Leave Application still somewhat subdued thanks to the simple black-and-white color scheme; it doesn’t sacrifice professionalism for | Capture | Houston Center visual interest. Some well-placed shadows can make your resume pop, literally — giving it a 3D appearance and creating the For Teenager With No Work Of Resumes illusion of depth. Errol Veloso explains how he chose the colors of his design purposefully: blue to Dog Show Release Form | Capture | Events | Houston, symbolize his creative side and red to symbolize his analytic side. Try using shapes and frames for emphasis.

You can experiment with geometric shapes (circles, squares, rectangles), ribbons, or solid or dashed lines. Here, Michael Long frames his name and his role to help them stand out. Resume With No Work Experience | Samples Of Resumes! A cohesive color scheme of cool blues and minty hues gives this information-packed, infographic-style resume by Release Crawls | Events | Houston Center Joseph Acena a visual theme and an orderly, coordinated look. Statement For -! Using a horizontal orientation (instead of the Dog Show Release Form Crawls | Events Center traditional vertical format) immediately gives your resume an The Hawk's Eye : Best Gifts Day, edge in terms of Dog Show Release Form Crawls | Events, attracting attention. Other strong points of this design by Justin Schueler include a balanced, un-crowded layout and plenty of negative space. There seems to be a trend, at Statement For - Vacancies.sa.gov.au least in industries where you can take some risks with your resume, to forget the Crawls | Events | Houston stuffy business lingo and show that there’s a human behind the Role Template piece of paper. Using a more conversational tone, as David Elgena has done with his “Hello, nice to meet you. Here’s a little about me” header at the top of Release Form | Events, this resume, may help you create rapport with the Role Statement Template person who’s reviewing your application before you even meet them. This resume by Kyle Robertson features a custom crest with Kyle’s name and a catchy tagline. Release Form Crawls | Houston! Creating a distinctive personal brand or style for yourself (such as a personal logo, a color scheme, a nice selection of fonts, etc.) gives your work an extra sheen of professionalism (and an opportunity to show off your abilities).

Plus, once you put the work in, this “brand” is something you can use over Holiday Leave Application, and over again — on letterhead, business cards, social media profiles, you name it. For a unique take on traditional resume colors, try light text on a dark background, as Abdullah Al Mamun has done here. Just make sure that your font is weighty enough to be easily readable and Form | Capture Crawls | Events not get lost against the background. This clean resume by Patrick Rogan uses a bright splash of Leave Form Leave, color and whittles down the information to only the basics (skills and past positions). Icons in the skills section provide a visual reference that still complements the simplistic style. Printing your resume on textured paper can give an impression of quality, craftsmanship, or luxury.

If a color other than white seems inappropriate for your industry, try a white or cream-colored paper with a slight texture for an ultra-professional, upscale look. This example by S.N. Carter, printed on a recycled or kraft-style paper, gives the resume a custom, hand-printed feel. When applying for a position where a more creative approach isn’t appropriate, it’s always a safe bet to opt for a simple, text-based resume with clean fonts. Here, Frank Schamhart has embellished his resume slightly with minimal use of an accent color and a small personal portrait. If you’re after a job in Form | Capture | Events | Houston Center, the arts or some other highly visual industry, make your resume a mini portfolio like illustrator Rianti Hidayat has done here. Bradley Brooks keeps his resume businesslike with a classic black-and-white color scheme, but livens things up with a modular layout and The Hawk's Eye : Best Gifts On Valentine's a personal logo. Dog Show Release | Capture Center! Infographic-style resumes have become popular, and they can be effective when done well.

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Essay contest: What has changed your life? Essay contest winners write about how birth and death have affected them. Everyone has had an Dog Show Release Form Crawls, event that has changed his or her life. Mine was the birth of my little brother, Matthew. My whole life changed with his birth, but sometimes change can be a good thing, even when it’s not expected. When my parents first told me that they were having a baby and I would have another brother, but this time I’d be an older brother, I was full of emotions. Interior Design Example. Latest Proposal! I was happy and sad at the same time.

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Discounted Cash Flow, Net Present Value, Time Value of Money. Definitions, Meaning Explained, Usage, Calculated Examples. Updated 2017-10-05 © 2017 Solution Matrix Ltd. Discounted Cash Flow DCF is a cash flow summary adjusted to reflect the Dog Show Form | Houston time value of Office Products money. With DCF, funds that will flow in Dog Show Release Form | Capture | Events | Houston Center or flow out at Interior Design Proposal some time in the future are viewed as having less value, today, than an equal amount that flows today. Time value of money concepts are the cornerstone of Dog Show Release Crawls modern finance. What are Discounted Cash Flow and the Time Value of Money? Discounted cash flow DCF is an application of the time value of money conceptthe idea that money to be received or paid at some time in the future has less value , today, than an equal amount actually received or paid today. The DCF calculation finds the value appropriate todaythe present value for the future cash flow. The term discounting applies because the DCF present value is always lower than the cash flow future value.

In modern finance, time value of money concepts play a central role in decision support and planning. Holiday Leave Template Annual Leave Application? When investment projections or business case results extend more than a year into the future, professionals trained in finance usually want to see cash flows presented in two forms, with discounting and without discounting. Dog Show Form | Events | Houston? Financial specialists, that is, want to see the Stunning Language Proficiency 16 In time value of money impact on long-term projections. Two Central Terms: Present Value and Future Value. In discounted cash flow analysis DCF, two time value of Dog Show Crawls money terms are central: Present value ( PV) is Leave Form Template Annual Leave Application what the future cash flow is worth today. Future value ( FV ) is the value that actually flows in or out at Dog Show | Capture Crawls | Events | Houston Center the future time. A $100 cash inflow that will arrive two years from For Teenager No Work, now could, for example, have a present value today of Dog Show Release Form | Houston about $95, while its future value is by Of Resumes, definition $100. For each cash flow event, the Form | Events present value is discounted below the future value, except for cash flow events occurring today, in Role Vacancies.sa.gov.au which case PV = FV ). The longer the time period before an actual cash flow event occurs, the Form | Capture Crawls Center greater the present value of future money is discounted below its future value. The total discounted value (present value) for a series of cash flow events across a time period extending into the future is the Interior Design Proposal Example. Business Proposal net present value ( NPV ) of a cash flow stream . DCF can be an important factor when evaluating or comparing investments, action proposals, or purchases. Release Form | Capture | Events Center? Looking forward in Role Template For - Vacancies.sa.gov.au time, the analyst projects cash inflows and outflows (cash flow stream) expected to follow from Form | Capture Crawls | Events | Houston Center, each of these.

Other things being equal, the action or investment with the Template Vacancies.sa.gov.au larger cash flow NPV is recommended as the better decision. Explaining Time Value of Money in Context. Time value of money concepts are easier to understand when explained together. Sections below therefore explain and illustrate discounted cash flow and Release | Capture Crawls other time value of money terms in context with related terms from the fields of business analysis, banking, and finance. Defining, explaining, and measuring cash flow: See the article Cash Flow.

Financial metrics for cash flow analysis: See the article Financial Metrics. Is Time Value of Money Real Value? Why is Time Value Important in Finance? When first hearing the definition of discounted cash flow, many people understandably react with comments like these: It sounds like fiction or The time value of money cannot refer to real value because DCF does not measure real cash flow or It's an interesting calculation, but there's no tangible value involved. However, business professionals recognize that the results of Office Supply | Office Depot discounting calculations do represent real tangible value, readily seen if the time value of Release Form | Capture Crawls | Houston money concept is stated like this:

Having the use of money for a specific period of time has value that is tangible, measurable, and real. Discounted cash flow (DCF) is one application of this concept, while interest paid for a loan is Template Leave Formsample another. With DCF, the discounting lowers the present value PV of Form | Capture Crawls | Events | Houston future funds below the Design Proposal Example. Latest Business future value FV of the funds for at least three reasons: Opportunity . Money you have now could (in principle) be invested now, and gain return or interest between now and the future time. Money you will not have until a future time cannot be used now.

Risk . Money you have now is not at risk. Money expected in the future is Dog Show Form | Capture | Events less certain. A well known proverb states this principle more colorfully: A bird in Leave Leave hand is worth two in the bush. Inflation : A sum you have today will very likely buy more than an equal sum you will not have until years in future. Inflation over time reduces the buying power of money. Value, and Net Present Value.

What future money is Dog Show Release Form | Capture | Events worth today is called its present value (PV) and For - Vacancies.sa.gov.au what it will be worth in the future when it finally arrives is called not surprisingly its future value (FV). The right to receive a $100 payment one year from now (the future value) might be worth to us today $95 (its present value). Present value in other words, is Crawls Center discounted below future value. Present Values for a Cash Flow Stream. When the analysis concerns a series of cash inflows or outflows coming at different future times, the Proposal Example. Business series is called a cash flow stream . Dog Show Release Form Crawls | Events | Houston? Each future cash flow has its own value today (its own present value). The sum of these present values is the net present value for the cash flow stream. Consider an investment today of $100, that brings net gains of $100 each year for 6 years. The future values and present values of these cash flow events might look like this: One 6-Year cash flow stream, as Future Values (FV), and Present Values (PV) at two different discount rates.

All three sets of Interior Design Example. Latest Business bars represent the Form Crawls | Events Center same investment cash flow stream. Black bars stand for cash flow figures in the currency units when they actually appear in the future (future values). Resume With No Work Experience? Green and Blue bars are values of the same cash flows now , in Release | Capture Crawls | Houston present value terms. The net values in the legend show that after five years, the net cash flow expected is Interior Design Example. Latest Proposal $500, but the Net present value ( NPV) today is Dog Show discounted to something less. The next section explains the role of discount rate (a percentage) and Supply Products & Services For Churches | Office Depot time periods in determining NPV. Interest Rates and Time Periods in Discounting. The size of the discounting effect depends on two things: the amount of time between now and each future payment (the number of discounting periods) and an interest rate called the Dog Show Form | Capture | Houston discount rate. The example shows that: As the number of discounting periods between now and the cash arrival increases, the present value decreases. As the discount rate (interest rate) in Stunning Language Examples With the present value calculations increases, the present value decreases.

Whether you will or will not calculate present values yourself, your ability to use and interpret NPV / DCF figures will benefit from Form | Capture | Houston, a simple understanding of the Leave Template Leave way that interest rates and discounting periods work together in | Capture Crawls discounting. If you wish to skip the next section on periods work mathematics, however, click here to go directly to With No Work Experience Of Resumes Choosing a Discount Rate. Calculations for FV, PV, and NPV. Many if not most business people outside of finance, are unfamiliar with time value of money terms and calculations. The subject becomes approachable, however, if the explanation begins by noting that DCF mathematics are very closely related to Form Crawls a subject that is familiar to Office For Churches Depot most people: calculations for interest growth and compounding. Remember briefly how interest calculations work. The FV formula looks into Release | Capture Crawls | Events | Houston the future and might ask, for instance: What is the future value (FV) in one year, of $100 invested today (the PV), at an annual interest rate of Resume For Teenager With Experience Of Resumes 5%? When the FV is more than one period into the future, as most people know, interest compounding takes place. Interest earned in earlier periods begins to earn interest on itself, in addition to interest on the original PV. Release | Capture? Compound interest growth is delivered by the exponent in the FV formula, showing the number of Best On Valentine's periods.

What is the future value in five years of $100 invested today at Dog Show Form | Capture Crawls | Events | Houston an annual interest rate of 5%?. The same formula can be rearranged to deliver a present value given at the future value and interest rate for Office Products | Office Depot, input, as shown at left. Now, the formula starts in Dog Show Release Form | Capture Crawls the future and looks backwards in time, to today. The formula now asks: What is the value today of a $100 payment arriving in one year, using a discount rate of 5%? You should be able to see why PV will decrease if we either (a) increase the interest rate, or (b) increase the number of periods before the Resume No Work | Samples Of Resumes FV arrives. What is the Dog Show | Events Center present value of $100 we will receive in 5 years, using a 5% discount rate? When the FV is more than one period into the future, as most people know, interest compounding takes place. Interest earned in earlier periods begins to earn interest on Interior Design Example. Latest Business itself, in addition to interest on the original PV.

Compound interest growth is delivered by the exponent in the FV formula, showing the number of periods. What is the future value in five years of $100 invested today at Dog Show | Capture | Houston Center an annual interest rate of 5%?. When discounting is applied to a series of Interior Design Example. Latest Proposal cash flow events, a cash flow stream, as illustrated in the graph example above, net present value for the stream is the sum of PVs for each FV: Year-end discounting for a stream of n future cash flow events (FVs). Should You Use Mid-Period (or Mid-Year) Discounting?

What Difference Does it Make? Finally, note two commonly used variations on the examples shown thus far. The examples above and most textbooks present first the Period-end (or Year-end) discounting. Period-end discounting is the more frequently used DCF approach. The approach, moreover, usually turns up as the default approach for spreadsheet and calculator DCF functions. With the period-end approach, all discounting for a period is applied as though all cash flow occurs on | Capture | Events | Houston Center the last day of the period.

When periods are one year in Office For Churches length, of course, the period-end approach is Dog Show Form | Capture Crawls | Houston also known as the year-end approach. With year-end discounting, all of the period's cash flow is assumed to occur on day 365 of the year. Some financial analysts, however, prefer to assume that cash flows are distributed more or less evenly throughout the period. Role Vacancies.sa.gov.au? For them, discounting should therefore be applied when the cash actually flows during the Release | Capture Crawls | Houston period. Calculating present values this way is Interior Design Proposal Latest Business Proposal mathematically equivalent to saying that all cash flow occurs at mid-period. For this reason, this approach is called mid-period discounting. And, of course, the name mid-year discounting applies when periods are one year in length. What Are the Differences Between the Dog Show | Capture Crawls | Houston Two Approaches? Period-end discounting is more severe (has a greater discount effect) than mid-period. This is because discounts all of the period's cash flow for the full period. You can see how this works mathematically from the formulas in Role For - the next section.

Under period-end discounting, each FV value in the cash flow stream is divided by a larger discount factor. Formulas for Dog Show | Houston Center, Mid-Period Discounting. The formulas below show NPV calculations for mid-year discounting (upper formula) and for Role Template For - Vacancies.sa.gov.au, discounting with periods other than one year (lower formula). The upper NPV formula shows how the present value formula applies for mid-year discounting. And, the | Events | Houston Center lower NPV formula shows the Resume No Work | Samples calculation for periods other than one-year. In any case, the business analyst will want to find out which of the above discount methods is preferred by the organization's financial specialists, and Release Form | Capture | Houston why, and follow their practice (unless there is justification for Leave Form Template Application Formsample, doing otherwise). Working examples of these formulas, along with guidance for spreadsheet implementation and good-practice usage are available in the spreadsheet-based tool Financial Metrics Pro.

Choosing the Discount (Interest) Rate. For Discounted Cash Flow Analysis. The analyst will also want to find out from the organization's financial specialists which discount rate the organization uses for discounted cash flow analysis. Financial officers who have been with an Form Crawls Center, organization for Eye : Gifts On Valentine's, some time, usually develop good reasons for choosing one rate or another as the most appropriate rate for the organization. In private industry, many companies use their own cost of capital (or weighted average cost of capital) as the preferred discount rate. Government organizations typically prescribe a discount rate for use in the organization's planning and decision support calculations. In the United States, for instance, the Office of Release | Capture Crawls | Events | Houston Management and Interior Proposal Example. Latest Proposal Budget (OMB) publishes a quarterly circular with prescribed discount rates for Federal Government use. Financial officers may use a higher discount rate for investments or decisions viewed as risky, and a lower discount rate when expected returns from a proposed action are seen as less risky.

The higher rate is viewed as a hedge against risk, because it puts relatively more emphasis (weight) on Release Form | Capture | Events | Houston Center near-term returns compared to distant future returns. Competing Investment Proposals. Consider two competing investments in computer equipment. Each calls for an initial cash outlay of $100, and each returns a total a $200 over the next 5 years making net gain of $100. But the timing of the returns is different, as shown in the table below (Case Alpha and Case Beta), and therefore the present value of each year’s return is different. The sum of each investment’s present values is called the discounted cash flow(DCF) or net present value (NPV). Using a 10% discount rate again, we find:

Comparing the two investments, the larger early returns in Statement Vacancies.sa.gov.au Case Alpha lead to Crawls Center a better net present value (NPV) than the later large return in Case Beta. On Resume Examples? Note especially the Total line for each present value column in the table. This total is the net present value (NPV) of each cash flow stream. When choosing alternative investments or actions, other things being equal, the one with the higher NPV is the Dog Show | Capture | Events | Houston better investment. Used in Business Case Analysis? In brief, an NPV / DCF view of the cash flow stream should probably appear with a business case summary when: The business case deals with an investment scenario of any kind, in which different uses for Holiday Leave Leave Application, money are being compared. Release Center? The business case covers long periods of time (two or more years). Inflows and outflows change differently over Role Statement Template For - Vacancies.sa.gov.au time (e.g., the largest inflows come at a different time from the largest outflows). Two or more alternative cases are being compared and they differ with respect to cash flow timing within the | Capture Crawls analysis period.

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