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Similarly to the Z-spread, if you find the value you have to add to each node’s rate to get the same value from the tree as the market value, you get the OAS, the option-adjusted spread, which is the spread of the bond “removing” its option feature. You have to use this spread to compare bonds with embedded option with bonds without embedded options (such as their relative benchmark) or even bonds with embedded options with each other. The price of the option is relative to the volatility of interest rate, not to the credit risk and liquidity risk of the bond; it shall hence be remove to compare inherent quality of the fixed income security.
Tonight’s focus will be dedicated to valuing bonds with embedded options. I chose this topic because it involves binomial trees, which is an important an very testable point of the Level II curriculum. Binomial trees are encountered in two different topics: Fixed Income and Derivatives. Although the concept is the same for the two instances, the main difference is the fact that the interest rate tree is given, whereas you have to construct the tree for stock values yourself. Besides, in interest rate trees, the probability of going to up or down nodes is 0.5. For options on stocks, you have to determine the risk-neutral probability value.
For simple bonds with no embedded options, in each node, you write:
Because the interest rate trees are built to be arbitrage trees, they are computed such that the benchmark security’s price you get using the tree is the market price.
So if you compute the price of a bond which is different from the benchmark, you will get a different value. This is where spreads come into play. Nominal spreads are computed using YTM. You compute the constant yield implied by the market price of the bond and its benchmark, and you compute the difference between them. However, this is not a good measure as it assumes the yield curve is flat. The Z-spread, for zero-volatility spread, is the spread that is added to each of the term structure’s rate to make its price equal to the benchmark’s price. You can do exactly this by adding the Z-spread to each of the nodes’ rates (you use a value to add to each node’s rate until you find the right value, by trial and error).
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To comply with Ohio law, the advertiser must disclose: (1) the name of any entity to which the payment would be made; (2) the amount of the charge; (3) the frequency of payment, (4) the approximate time when the charge would be charged to the consumer; (5) the fact that the consumer’s account will be automatically renewed if the consumer does not take affirmative action to cancel the membership; and (6) the fact that the consumer will be automatically charged at the beginning of each new period. The advertiser must also disclose: (1) the cancellation terms and conditions for cancelling the program; and (2) the refund policies. The advertiser must also disclose when the cancellation request must be received and a telephone number and address where the consumer’s cancellation request should be directed.
In the Berkeley Premium matter, Berkeley Premium was accused of falsely advertising its dietary supplements. Berkeley Premium, p. 2. One component of the Berkeley Premium’s sales practices included a negative option automatic renewal feature. Id. As part of a consent judgment settlement with the Ohio Attorney General, Berkeley Premium agreed to, among many other things, a restraining order preventing it from failing to obtain a written document clearly and conspicuously disclosing all material terms and conditions of the negative option sale, including, but not limited to: (1) the fact that the consumer was enrolled in the negative option program and would be charged for successive product shipments; (2) the cancellation terms and conditions for cancelling the program; and (3) the refund policies. Id. at 14. MemberWorks also agreed to disclose: (1) the fact that the consumer will be automatically be charged for absent cancellation; (2) when the amount will be charged; (3) what steps the consumer must take to avoid the charge; (4) when the cancellation request must be received; and (5) a telephone number and address where the consumer’s cancellation request should be directed. Id.
There is a safe harbor provision in the Automatic Renewal Contract Act that provides that a person (or corporation “will not be liable for a violation of this Act or the Consumer Fraud and Deceptive Business Practices Act, if such person . . . demonstrates that, as part of its routine business practice: (i) it has established and implemented written procedures to comply with this Act and enforces compliance with the procedures; (ii) any failure to comply with this Act is the result of error; and (iii) where an error has caused a failure to comply with this Act, it provides a full refund or credit for all amounts billed to or paid by the consumer from the date of the renewal until the date of the termination of the account, or the date of the subsequent notice of renewal, whichever occurs first.” Id. at § 601/10(c).
The Automatic Renewal Contract Act has additional requirements if the renewal term is more than one month. Id. (“Any person, firm, partnership, association, or corporation that sells or offers to sell any products or services to a consumer pursuant to a contract, where such contract term is a specified term of 12 months or more, and where such contract automatically renews for a specified term of more than one month unless the consumer cancels the contract, shall notify the consumer in writing of the automatic renewal. Written notice shall be provided to the consumer no less than 30 days and no more than 60 days before the cancellation deadline pursuant to the automatic renewal clause. Such written notice shall disclose clearly and conspicuously: (i) that unless the consumer cancels the contract it will automatically renew; and (ii) where the consumer can obtain details of the automatic renewal provision and cancellation procedure (for example, by contacting the business at a specified telephone number or address or by referring to the contract)”).
Products provided without complying with the new California statute are considered gifts. Id. at 17603 (“In any case in which a business sends any goods, wares, merchandise, or products to a consumer, under a continuous service agreement or automatic renewal of a purchase, without first obtaining the consumer’s affirmative consent as described in Section 17602, the goods, wares, merchandise, or products shall for all purposes be deemed unconditional gifts to the consumer, who may use or dispose of the same in any manner he or she sees fit without any obligation whatsoever on the consumer’s part to the business, including, but not limited to, bearing the cost of, or responsibility for, shipping any goods, wares, merchandise, or products to the business.”)
In MemberWorks Inc., MemberWorks engaged in the direct marketing of a variety of members’ offers to Ohio consumers, including travel, entertainment, credit card registrations, health and dental services and the purchase of other goods and services. MemberWorks, p. 1. Consumers were charged membership fees on an annual or monthly basis. Id. MemberWorks entered into numerous third-party relationships, which allowed MemberWorks to market its programs. Id. at 1-2. As part of the offered programs, MemberWorks employed a “free-trial” negative option program, whereby consumers would sign up for a “free trial” and then were charged monthly renewal fees unless the consumer called a specified toll-free number or wrote to cancel the program within the thirty-day period. Id. at 2.
Disclosures Must Be Provided in a Clear and Conspicuous Fashion: Disclosures must be clear and conspicuous. FTC Negative Option Report, p. 27. Disclosures should be placed in a location where the consumer is likely to see them, and should not be buried in long paragraphs of dense text or displayed in such a manner so that the consumer is unlikely to read them. Id. Disclosures should be labeled in such a way as to indicate the importance and relevance of the information. Id. The text should be in a size and color that makes it easy to find and read, and should not be in small in print, contained in long passages that are single-spaced or in all-capital letters or in colors that do not adequately contrast with the disclosure document. Id.
Students majoring in accounting will need to take 18 credit hours in accounting courses. The main focus of the program is to prepare students for entry level positions and advancement in a variety of occupations and careers. The program also prepares students to pursue graduate level studies.
Colorado state University Global is a public university that is 100% online, offering undergraduate and graduate programs. The global campus was started in 2007 and now have over 10,000 students enrolled.
USW offers a Bachelor of Business Administration with a major in Accounting. Students will need 120 credit hours, 41 general electives, 9 institutional requirements, 10 electives, 30 major courses, and 30 emphasis courses. Sample courses students will take are Computerized Accounting, Cost Accounting, Personal and Corporate Income Tax, and Auditing.
The Bachelor of Science in Business Administration with a specialization in Accounting prepares students to work in the field of accounting. The program prepares students with all the prerequisites to pursue a Master of Accountancy degree if the students wishes to do so. Students will need to complete 128 credit hours with 25% of it completed at Saint Joseph’s College. The specialization in accounting requires students to take 5 courses, which consist of Intermediate Accounting I and II, Federal Income Taxes, Managerial and Cost Accounting, and Auditing.
The Bachelor of Science in Accounting program at Western Governors University will provide students with knowledge in financial and cost accounting, tax, audit and other accounting areas. The program is designed for students who want to pursue careers in corporate accounting.
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The job of a trader or investor is to determine which direction the price of an underlying asset will move before its option’s time of expiration. Traders who believe that an asset price will rise should buy a Call option. Traders who believe that an asset price will fall should buy a Put option. Correct predictions can earn traders high returns that nearly double their investments.
If you got yourself a nice little 1 hour put option on crude oil with the belief that the price is about to trend downwards and 15 minutes before expiry the price reverses direction and begins to make a small upward correction, taking you out of your winning position you can, for a small payment, extend the expiration time and give your black gold an option to resume its downward direction, giving you ample chance to finish in-the-money.
If things go entirely the other way on a trade, you can use the “close now” feature minutes into a trade, and cut potential losses before they turn catastrophic.
Let’s assume you purchased a 3 hour call option when suddenly, halfway through the contract term the price starts to collapse after initially making some gains, at that point, you could use the “close now” feature to insure yourself at least a portion of the profit, regardless of how it performs the rest of the way.
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Free Elegant 2D & 3D Bullet Lists in Microsoft PowerPoint 2010 is categorized under Categories: Tutorials & Tips and use the following tags:
Easily you can create nice 3D effects for bullet lists in PowerPoint. Feel free to try other combinations by changing the colors or bullet list styles. For example working with layout could be a good idea in order to achieve different bullet list layouts in your PowerPoint presentation.
Use to show grouped or related information. The small shapes on the upper corners are designed to contain pictures. Emphasizes Level 2 text over Level 1 text, and is a good choice for large amounts of Level 2 text.
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Click OK and then enter the bullet list points as you can see in the following image.
Now let’s do some magic, you can decorate your new bullet list by adding some nice 3D effects. This will help you creating 3D Bullet List in PowerPoint.
There are many websites offering paid and free PowerPoint templates for Microsoft PowerPoint. When we started with FPPT we had something in mind, offer simple…
BinaryMate is one of the first to integrate video assistance into their support service. You can contact a customer service assistant at any time and have the option to video chat publically, (where other users can join in the chat),or privately. This method of communication provides instant answers with the ease of a normal conversation.
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To do a staffing trend analysis, you need access to statistical data on the company’s employees, such as the number of employees, their length of service and rate of turnover. You should also collect data on each employee’s education and qualifications, prior work experience, family situation if available, and demographics. Obtain the same data for the previous year or two, to enable you to compare the current staffing situation with the former to establish the trends. Enter data such as the dates on which staff members resigned, and generate charts to highlight common trends across the groups.
Understanding staffing trends will help retain workers in the company.
The purposes of an analysis is to identify trends such as the levels of staffing needed to manage the workload, the structure of the organization, job satisfaction among employees. The trend analysis also studies the competencies of the current staff, the demographics of employees who are being drawn to the company, reasons why they join the company and reasons why they leave. A trend analysis also identifies the staff retention rate and the average years of service given by employees to the company.
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