0 Up votes0 Down votes

114 views6 pagesKWK

Oct 30, 2014

© © All Rights Reserved

PDF, TXT or read online from Scribd

KWK

© All Rights Reserved

114 views

KWK

© All Rights Reserved

- hp-15c advanced functions handbook
- Simmon Beninga's Finance With Excel
- 5. FINANCIAL CONCEPTS.pdf
- Time Value of Money
- Chapter 5 finance
- Time Value of Money Report Sa Man Fin
- Fin Excel 1
- Installments in Compound Interest
- Time Value of Money & Money Market
- 10_FM_1_tn_1pp
- Simple Interest
- ch5ch6word.docx
- 107~PMK.03~2017Per
- Chapter 2 (Part B).pdf
- Valor Del Dinero en El Tiempo y WACC
- General Mathematics Eduard m Albay
- FIN 331 in a Nutshell
- 13_05_ch
- General Maths - Investment and Loans Investigation - Example
- Intacc-2-Long-Term-Liab-Ch-9-15-Valix

You are on page 1of 6

Use a financial calculator

to solve time value of

money problems.

lllustration D-25

Financial calculator keys

lllustration D-26

Calculator solution for

present value of a single

sum

Business professionals, once they have mastered the underlying concepts in

sections 1 and 2, often use a financial calculator to solve time value of money

problems. In many cases, they must use calculators if interest rates or time

periods do not correspond with the information provided in the compound

interest tables.

To use financial calculators, you enter the time value of money variables into

the calculator. Illustration D-25 shows the five most common keys used to solve

time value of money problems.l

where:

N

:

number of periods

I

:

interest rate per period (some calculators use VYR or i)

PV

:

present value (occurs at the beginning of the first period)

PMT

:

payment (all payments are equal, and none are skipped)

FV

:

future value (occurs at the end of the last period)

In solving time value of money problems in this appendix, you will gener-

ally be given three of four variables and will have to solve for the remaining vari-

able. The fifth key (the key not used) is given a value of zero to ensure that this

variable is not used in the computation.

Present Value of a Single Sum

To illustrate how to solve a present value problem using a financial calculatoL

assume that you want to know the present value of

$84,253

to be received in

five years, diicounted at llo/o compounded annually. Illustration D-26 depicts

this problem.

2On

many calculators, these keys are actual buttons on the face of the calculator; on others, they

appear on the display after the user accesses a present value menu.

lnputs: 5 11 ? 0 84,253

ffiffiffiffiry

Answer:

*50,000

ryryryffiltre

ru

.E

;

Present Value of an AnnuitY D'17

Illustration

D-26 shows you the information

(inputs) to enter into the calculator:

N

:

5, I

:

il,

pMT :

b, and FV

:

84,253. You then press PV for the answer:

-5so,ooo.

As indicated, the PMT key was given a value of zero because a series

of pal,.nnents did not occur in this probiem'

pg-tJs

A*\$s nfififr*6"is

The use of plus and minus signs in time value of money problems with a finan-

cial calculaior can be confusirg. Most financial calculators are programmed so

that the positive and negative cash flows in any problem offset each other' In

tfr" pr"r"rrt value probl"ir ubou", we identified the $84,253

future value initial

irr,restment

as a positive

(inflow); the answer

-$50,000

was shown as a negative

amount, reflecting a cash outflow. If the 84,253 were entered as a negative, then

the final answer would have been reported as a positive 50,000.

Hopefull5,,thesignconventionwillnotcauseconfusion.Ifyouunderstand

what is required in a-problem,

you should be able to interpret a positive or neg-

ative amount in determining

the solution to a problem'

ffisMp##ruffiBruffi

pffiffism#s

In the problem above, we assumed that compounding occurs once a

year' Some

financial calculators iru.r" u default setting, which assumes that compounding

occurs 12 times ayear. You must determine what default period has been pro-

grammed into your calculator and change it as necessary to arrive at the proper

compounding Period.

RSq.iNWEruffi

Most financial calculators

store and calculate using 12 decimal places' As a

result, because .o*forrnd interest tables generally have factors only up to five

a".i*.f

places, a ,tig1tt difference in the final answer can result' In most time

value of money proil.-r, the final answer will not include more than two

decimal

places.

Fresent

Value of an Annuity

To illustrate how to solve a present value of an annuify problem using a finan-

cial calculator, assume that ytu are asked to determine the present value of rental

receipts of $6,000

each to be received at the end of each of the next five vears,

*h"n dir"ounted

at 1'2o/o, as pictured in IllustrationD-27'

,j

I

1

il

I

J

ii

:i

I

:i

i

:l

;i

i!

:l

il

lllustration D-27

Calculator solution for

present value of an annuiiY

In this case,

You

enter N

:

5, I

:

12, PMT

:

to arrive at the answer of

-$21,628'66'

6,000, FV

:

0, and then

Press

PV

D-l8 ;ippsr'ldix # Tirne Value of Money

lllustration D.28

Calculator solution for

auto loan payments

lllustration D.29

Calculator solution for

mortgage amount

Useful Applications cf

the Financial Calculat<rr

With a financial calculator, you can solve for any interest rate or for any num-

ber of periods in a time value of money problem. Here are some examples of

these applications.

ATJ?'S L#Aru

Assume you are financing the purchase of a used car with a three-year ioan. The

loan has a9.5a/o stated annual interest rate, compounded monthly. The price of

the car is

$6,000,

and you want to determine the monthly payments, assuming

that the payments start one month after the purchase. This problem is pictured

in Illustration D-28.

I nputs: 9.5 6,000

-192.29

To solvethis problem, you enterN: 36

(12 x 3),I: 9.5, PV: 6,000, FV: 0,

and then press PMT. You will find that the monthly payments will be $192.20.

Note that the payment key is usually programmed fot 12 payments per year.

Thus, you must change the default

(compounding period) if the payments are

other than monthly.

MSRTGAGH LffAFd ATUft U NT

Let's say you are evaluating financing options for a loan on a house. You decide

that the maximum mortgage payment you can afford is

$700

per month. The

annual interest rate is 8.+oto. If you get a mortgage that requires you to make

monthly palTnents over a 15-year period, what is the maximum home loan you

can afford? Illustration D-29 depicts this problem.

You enterN

:

180 (12 x 15 years), I

:

8.4, PMT

:

-70O,FV

:

0, andpress

PV'

With the payments-per-year key set at 12, you find a present value of $7

1, 509. 8 1-

the maximum home loan you can afford, given that you want to keep your morl-

gage payments ar

$700.

Note that by changing any of the variables, you can

quickly conduct

"what-if"

analyses for different situations.

il

180 8.4 I nputs: -700

ffil ry

71,509.81

D-20 mppenc:x * Tirne Value of Money

Bnief Fxercises

(Use tables to solve exercises BED-I to BED-25.)

Compute the

future

value BED-I Randy Owen invested

$8,000

at 5o/o annual interest, and left the money invested

of a single amounr. without withdrawing any of the interest for 12 years. At the end of the 12 years, Randy

($0 2), AP withdrew the accumulated amount of money. (a) What amount did Randy withdraw,

assuming the investment earns simple interest? (b) What amount did Randy withdraw

assuming the investment earns interest compounded annuaily?

Use

future

value tables. BED-? For each of the following cases, indicate (a) to what interest rate columns and

iSil :,3), {} (b) to what number of periods you would refer in looking up the future value factor.

(1) In Table 1 (future value of 1):

Annual Number of

Rate Years Invested Compounded

Case A 6a/o

Case B 8o/o

(2) In Table 2 (future vaiue of an annuity of 1):

Annual Number of

Rate Years Invested Compounded

Case A 5o/o

Case B 60/o

3 Annually

4 Semiannually

8 Annually

6 Semiannuallv

Computethefuturevalue BED-3 ,,Joyce Company signed a iease for an office building for a period of 12 years.

of a single amount. .. U-n-derthe lease agreement, a security deposit of

$9,200

is made. The deposit will be re-

(S02),SP

'-'--turned

at the expiration of the lease with interest compounded at 4o/o per year. What

amount will Joyce receive at the time the lease expires?

Compute the

future

value BED-4., Bates Company issued

$1,000,000,

l0-year bonds and agreed to make annual sink-

of an annuity.

-.

ingfund deposits of

$78,000.

The deposits are made at the end of each year into an account

{S0

3), 4p payrng 5o/o annual interest. What amount will be in the sinking fund at the end of 10 years?

Compute the

future

talue BED-5

,.

Frank and Maureen Fantazzi invested $6,000

in a savings account paying 4o/o

of asingleqmountandof annual interest when their daughte4 Angela, was born. They also deposited $1,000

on

an annuity.

each of her birthdays until she was 18 (including her 18th birthday). How much was in

is{j

l.:), AP the savings account on her 18th birthday (after the last deposit)?

Cornpute the

future

value tsED-6 Hugh Curtin borrowed $34,000

on July 1, 2012. This amount plus accrued in-

of a single amount. .

terest at 9o/o compounded annually is to be repaid on July l,2AI7. How much will Hugh

iSO

Z}, ilF have to repay on July 1,2017?

(Jse

present value tables. BED'? For each of the following cases, indicate (a) to what interest rate columns and

isg 5 :l) if

(b) to what number of periods you would refer in looking up the discount rate.

(1) in Table 3 (present value of 1):

Annual Number of Discounts

Rate Years Involved

Per

Year

CaseA 1.2o/o 6 AnnuallY

Case B 10a/o 11 AnnuallY

CaseC 60/o 9 SemiannuallY

(2) In Table 4 (present value of an annuity of 1):

Annual Nurnber of Number of Frequency of

Rate Years Involved Pa)rrnents Involved Payments

Case A L2o/o 20 20 AnnuallY

CaseB 10o/o 5 5 AnnuallY

CaseC 8a/o 4 8 Semiannually

Brief Exercises

D-21

BED-8(a)Whatisthepresentvalueof$23,000duegperiodsfromnowdiscountedatDeterminepresentvalue

(sB 5,6), AF

"'

'

.-

l0o/o?

(b) What is the

present ytl":-:i

$28'000

to be received

at the end of each of

BED-e

J::::rl";::::::*T:y.:"investment

that w*i return

a lump sum of compute

the present tatue of

,__..g-750,000

five years f.;;;*.

What amo'r,f;fua

Chaffee

C"'t;;;;;v

fo' this invest-

a singte amount

investment'

i$0

5i &r

ffi;:"ffi;'::ffi

earns

roo/o::

u, investment

that will return

g480,000 computethepresentuarueof

eight

years t orrr rro*-w#t

is the

^*o*rrr,

rifi

should

i.rrr".r

rro*io

".r-t-,rtir

rate of

a singreamount

investmen,

{S"l

5;. &F

return?

BED_I1

Arthur

company

is consjdering

investing

in an annuity

contract

that-will,re-

compute

the present value of

turn 945,000

"rr"iroliii'eend

of

"""h

v;;;;;;'i"t;;;t''

wh""";;;;

sno"ld

Arthur

an annuitv

iwestmen'

company

pay for;i:

ffiJi;;;

";;;

5o/o reiurn?

_, o*o

ge0,000 at th

(5i 6; AF'

l BED-12 'Kaehler

Enterprises

":y,

q7,,:'

an investment

that pays back $90,000

at the Compute

the present tlalue

,

dnrl_of each of the next 6 years. what is ,h" ;;;*

Kaehrer

u*"tinr"r"i"*li"a

,o

"u*

of an annuitv i'Nestment'

is{l -il,

sr

H|T:|]ffioad

co.

i1

about

to issue

g300,000 of l0-vear

bonds

pavin

s

?

s%

compute

the present ratue

interest

rate,

with i*"r".t

payable

,"-itrr,t"^*y'

The discount

tli" i"t t""h^securities

is

of bonds'

8o/o. Howmuch

can Hanna

expect

," ."""*ll"i

i-t'"-'^f"

of these bonds?

f't I' i l;' &r'

BED-14

Assume

the same information

as BED-13

except

that the discount

rate.was

computethepresentvalueof

l0olo instead

of

ga/o.In this case,

how *rr"h

"r'

Hanna

expect t" t"t"l*

from the sale of

'u,Jfi

,, no

ffi:"T;mas

raco companv

o':i"":

i,J^'--in'i,::::,xil;J:,5;:fi;:l1:Ti$:?

"iT'l:::":-presentvatue

(paid annually)

lrofr-;

"rr.a-o'*.i

^,

a time *f'"t

'f'"

discount

tut.- it-Sq"'

frhat ls the pres-

of a note'

ent value of the n;;;"tei"ed

bY Tomas?

.sfb_re Gleason

Enterprises

issued

9,o/o,

g-year,$2,600,000

par value bonds that

pay in- compute

the present value of

idierse*lu"""utiv

o" o"tober

1 and o#ii

i;"-;;i;

"'"'d";"Jap-r

t'2012'

""q:'"

bonds'

i,.'"a

on that d# ;i";;;;

;ryi'J*#tfii#:f*#"t

i' zot'z' is roo/o {sG

}' E ?)' AF

,H::;-;;::::"T,:r;.*"d

is contempratingpurchasing

a tire rerreadin E

comnltl

t\orelfltvatue

of

m'aihine

for $18,000.

After

estimat,*

.".,,

"'J,".,"''",,

M"'ffi;j:"?'.;;;;;'h

fffi

a machine for

purposes

of

from rhe ."tr"uai.,g

machine

of $3,30i

;;;;;li;

io' a

v'*''

ruruti iJp"'

to earn

i ::y;

makins

a purchase

decision'

of t0 percent.";H';;;;il""ir.

wr'.it;;;;;;;#"alue

of th' retreading

operation?

ist l' 7' A'r

Should

fUutt

p"tt:ft*e

the retreading

machine?

BED_'g

Fraziercompany

issues

an.golo,

5-year

mortga,ge

note on January

r,

-2orz,

to compute

the present value of

obtain

financing

for new equipm".rr.

r-una-iJ;;;J"t

"9rlilta

for the note'

The terms

anote'

nrovide for semiannual

installmen, o"#l*

l"rtfou,,to'

wr'^t *"t" the cash

proceeds

l$3 8) eF

i;;;;^ft""'

the issuance

of the note?

: BED-19

Leffler

company

_is

considering

purchasing

equ]prnent.

The equipment

will compute

the maximum

price

, pioduce the following

"..h

no*r,

""u"'i:-$#;'*ff;;

fi9'ffi; -JY;-*:'

$s0'000'

to pav

for

a machine'

Leffler

requires

u *iiri*rr*

rate of t;'-;;1-0

il"'

wt'''utit

Jrt" *t-i"tum

price Leffler

($$ [, ii AF

J"Ja

pty fot this equipment?

-:-.^

o 1^ Aoo qr rhe compute

the interest

rate on

BgnliO

If Colleen

Mooney

invest-s.$4'172'65

low'and

she-will

receive $10'000

at the computetheinter

end*of-l5

y".rr,'*fruiunnual

rate of ini"t"'t

will Colleen

";;;

tttt lt"""tt*.'l?

(Hint:

a single amoun,

is8 5) &fi

use Table 3')

r

'1-^ ^--^*"'itw

of investing $25'490

now' The

compute

the number

of

.l?3,j"".Y,f:#f,ffi.:E:ffi*:l::x5Ti#l'.sjffiii;1ffi;i?1";J;'Jd;:

}inJil."i"

'',-ngle

amount.

How many

y"^.r;Jw;yre

wait r" *-."i"" Isot,ool?

(Hint: use Table 3')

{si:5;'

AF"

B]ED-22JoanneQuickmadeaninve.stmentof$g,128.55.Fromthisinvestment,shewillComputetheinterestrateon

receive

g1,000 .rrrarv

for the .r"*t i0 y"..s starting

on"

d;;il* "o*'

what rate of

anannuity'

interest

*il ioi""Jt

ii*t*t"t

b"

";"i;;;"t

i"tiiai"'

use Table 4')

(s!

Ei' Art

BED-23

?attv

Schleis

invests

F:iii,i'3"H:

:::'ilTi"i,"1,

T;ttl1"il$

'-Ti:tr*H

""#:f'"";n"ffif;'

ginning one Year

from

now' Pltl{

Yl

How manv t""'-tur

pavrnents

of $1'00il;ift;6;;

"*tt

tiii''

use Table 4')

igt 5; &tt.

,t

t

,$i

,fi

:fi

'E

1

,.E !

j:

,}.

:.E

:t

,I

I

I

I

,!

i

I

r,i

,tl

I

.'i

!

l

'i

I

I

i

D'22 appendix D Time Value of MoneY

Compute the present value of

a machine

for

purposes of

making a purchase decision.

isc

t], AP

Compute the maximum price

to pay

for

a machine.

lsc

8), $il

Detennine interest rate.

rsO

g).

3p

Deteftnine interest rate.

{sfi s}, AP

Deteftnine interest rate

iso 3), nF

Various time value of money

situations.

it0 !), iiP

Vaious time value of money

situations.

13il !i. ilF

BED-24 Barney Googal owns a

Earage

and is contemplating purchasing a tire retread-

"in! aaCfrine for

$14,280.

After estimating costs and revenues, Barney projects a net cash

flow from the retreading machine of

$2,900

annually for 8 years. Barney hopes to earn

a return of l|o/o on such investments. What is the present value of the retreading opera-

tion? Should Barney Googal purchase the retreading machine?

BED-25 Ramos Company is considering purchasing equipment. The equipment will

produce the following cash flows: Year 1,

$30,000;

Year 2,

$40,000;

Year 3,

$50,000.

Ramos

requiresaminimumrateof return of l2o/o. WhatisthemaximumpriceRamosshouid

pay for this equipment?

BED-25 Carly Simon wishes to invest $13,000

on July I,2012, and have it accumulate

to

$50,000

by July 1, 2022.

Instructions

Use a financial calculator to determine at what exact annual rate of interest Carly must

invest the

$18,000.

BED-27 On July 17

,2012,

James Taylor borrowed $60,000

from his grandfather to open

a clothing store. Starting July 17, 2018, James has to make 10 equal annual pa1'rnents of

$8,860

each to repay the loan.

Instructions

Use a firrancial calculator to determine what interest rate James is paying.

BED-28 As the purchaser of a new house, Carrie Underwood has signed a mortgage

=-note'to

pay the Nashville National Bank and Trust Co. $8,400

every 6 months for 20 years,

at the

"nd

of which time she will own the house. At the date the mortgage is signed, the

purchase price was

$198,000

and Underwood made a down payment of

$20,000.

The first

payment will be made 6 months after the date the mortgage is signed.

Instructions

Using a financial calculator, compute the exact rate of interest earned on the mortgage

by the bank.

BED-29 Using a financial calculato4 solve for the unknowns in each of the following

"situaticins.

(a) On June 1, 2012, Holly Golightly purchases lakefront properry from her neighbo4

George Peppard, and agrees to pay the purchase price in seven payments of

$16,000

each, the first payment to be payable June l,2Ol3.

(Assume that interest compounded

at an annual rate of 6.9a/o is implicit in the payments.) What is the purchase price of

the property?

(b) Onl.6rry 1,201.2, SammisCorporationpurchased200of

the91,000facevalue,

7

o/o

cottpon, I 0-year bonds of Malone Inc. The bonds mature on January I

,

2020 , and

pay interest annually beginning January 1, 2013. Sammis purchased the bonds to

yteld 8.650/o. How much did Sammis pay for the bonds?

BED-30 Using a financial calculatot provide a solution to each of the following

'Situatibns.

(a) Lynn Anglin owes a debt of

g42,000

from the purchase of her new sport utility vehi-

cie. The debt bears annual interest of 7.8a/o compounded monthly. Lynn wishes to

pay the debt and interest in equal monthly pa)ments over 8 years, beginning one

month hence. What equal monthly pa).rnents will pay off the debt and interest?

(b) On January l,2Ol2, Roger Molony offers to buy Dave Feeney's used snowmobile for

$8,000,

payable in five equal annual installments, which are to include 7.25o/o intet-

est on the unpaid balance and a portion of the principal. If the first pal'ment is to

be made on December 31,2012, how much will each payment be?

t'.a:

.3-

- hp-15c advanced functions handbookUploaded byeunomic_reader
- Simmon Beninga's Finance With ExcelUploaded byhunkar1974
- 5. FINANCIAL CONCEPTS.pdfUploaded byVictor Miguel Vergara Lovera
- Time Value of MoneyUploaded byanupamamathur09
- Chapter 5 financeUploaded byxuzhu5
- Time Value of Money Report Sa Man FinUploaded byLiyana Chua
- Fin Excel 1Uploaded byAshley Anderson
- Installments in Compound InterestUploaded byRitwik
- Time Value of Money & Money MarketUploaded byKuldeep Singh Chundawat
- 10_FM_1_tn_1ppUploaded byBob
- Simple InterestUploaded byaaaaddddyyyy
- ch5ch6word.docxUploaded byvillainwill
- 107~PMK.03~2017PerUploaded byHasim kun
- Chapter 2 (Part B).pdfUploaded byAnonymous Jjbui0NR
- Valor Del Dinero en El Tiempo y WACCUploaded byYesenia Hernandez
- General Mathematics Eduard m AlbayUploaded byAngel Guillermo Jr.
- FIN 331 in a NutshellUploaded bySajjad Ahmad
- 13_05_chUploaded byCirilo Gazzingan III
- General Maths - Investment and Loans Investigation - ExampleUploaded byTerry Harper
- Intacc-2-Long-Term-Liab-Ch-9-15-ValixUploaded byMichaela Russell Ramos
- MTH302 Short NotesUploaded byRoshany Ali
- 337618313-Blogspot-Com.pdfUploaded byMarco Conopio
- Amortization tablesUploaded byNerica Joy
- Case Example QuestionsUploaded byAnonymous ONP21q
- Last Moment Prepration_bank RelatedUploaded byPankaj Vanis
- An overview Of Financial Management.docxUploaded byAhsaan Khan
- Bankruptcy AccountingUploaded byTarun Singh
- ct12010-2013Uploaded bynigerianhacks
- ct12010-2014Uploaded byPatrick Mugo
- 88f7bThe Investment Function.docxUploaded byShubham

- Berkshire’s Corporate Performance vs. the S&P 500Uploaded byFirstpost
- Options SampleUploaded byAnonymous O5asZm
- Chapter 02 SlidesUploaded byAnonymous O5asZm
- Recommended ProblemsUploaded byAnonymous O5asZm
- TCM 2011 ARUploaded byAnonymous O5asZm
- ECON HW4 #3Uploaded byAnonymous O5asZm
- 6 Int Rate FuturesUploaded byNilabjo Kanti Paul
- Lombard Street Bagehot 1873Uploaded byAnonymous O5asZm
- Case 4.1_ EnronUploaded byAnonymous O5asZm
- Chapter 10 Solutions to Rec ProbsUploaded byAnonymous O5asZm
- Forward Roll J of a Oct 2013Uploaded byAnonymous O5asZm
- QuotesUploaded byAnonymous O5asZm
- SUperinvestors CIKUploaded byAnonymous O5asZm
- Week 9 Notes OnCapital BudgetingUploaded byAnonymous O5asZm
- HDC Chapter 1Uploaded byAnonymous O5asZm
- Week 7 Notes _Working CapitalUploaded byAnonymous O5asZm
- There Is More to UsUploaded byAnonymous O5asZm
- COSWF 2012 10KUploaded byAnonymous O5asZm

- North Davao Mining Corporation v. NLRC.docUploaded byFrancis Xavier Sinon
- introduction to raising financeUploaded byMc Ben
- Recuerdo vs PeopleUploaded byKaren Gina
- hackers_reading.pdfUploaded byNga Võ
- Starr International Co., Inc. v. United States, No. 15-5103 (Fed. Cir. May 9, 2017)Uploaded byRHT
- 1 Traders Royal Bank vs CA, March 3, 1997.pdfUploaded bykath
- Current Affairs Q&A PDF Free - January 2019 by AffairsCloud.pdfUploaded bygokul bandana
- Madeleine Varkay - Developing EE Finance for IndonesiaUploaded byAsia Clean Energy Forum
- Trilateral CommissionUploaded bymary eng
- Fossil India Pvt LtdUploaded bygoswamiphotostat
- 03-16-10 Davidson v. Country Wide Home Loans-1Uploaded byChad Hanson
- Issue and Redemption of Preference Shares - Newsletters - International Law OfficeUploaded byJosé Antonio
- 1 Time Value of MoneyUploaded bySeth D'Mello
- CAF1 Introduction to Accounting QBUploaded byNoman
- Klmpk2-Auditing the Expenditure Cycle (2)Uploaded byrifqoh
- Case Study 1 - Requirements - Travel Agency, All AbroadUploaded byDinesh Yogi
- 14. Rizal Commercial Banking Corporation vs. Court of AppealsUploaded byJaja Ordinario Quiachon-Abarca
- 11861-41562-1-PB (3).pdfUploaded byPawan Gnawali
- Training and developmentUploaded bymishu
- IDBI FEDERAL Bank Annual Report 2017-18.pdfUploaded byYash Bendre
- Bank Asia HRM 410Uploaded byMona Rahaman
- How to Breakinto Real Estate Private EquityUploaded byaa
- date-57c46ffeaa99e5.71177631.pdfUploaded bysteadfastdogma254
- A1 Assessment Tool Extended-blankUploaded byBurhan
- IBAN Payment InformationUploaded byJillyin James
- Document OrganizerUploaded byMark Hilgenberg
- Casimir Capital - TAG Oil Nov 2012Uploaded bypbunsmith
- 9529Uploaded byChris Nash
- ECGCUploaded bymahesh guptha
- Www Lawphil NetUploaded byremstar990

## Much more than documents.

Discover everything Scribd has to offer, including books and audiobooks from major publishers.

Cancel anytime.