Global englishes Essay Example | Topics and Well Written Essays - 3500 words

Global englishes - Essay ExampleStarting with the British Isles invasion by the German tribes of the Jutes, the Saxons, and the Angles, the English language has come a long way. English has undergone numerous transformations since its creation to date. Various historical plaints constitute played a authority in its transformation that include but are not limited to Britains Christianization in the year 597, the Invasions of the Viking, the Conquest of the Norman, Bibles translation, William Caxtons understructure of the printing press, the Renaissance, and the British Empires expansion (Wilton, 2001). All of these events have helped English language be what it is today. English language also derives its popularity and power from the packaging of science and technology in general, and the emergence of the US as the world power. Given the popularity of the English language and its significance in the contemporary age, this paper makes forecasts nigh the future of the global Engl ishes discussing different aspects like the growing influence of the English language and its tendency to take everyplace regional languages. ... of us can hypothesis what the English language will be like in a hundred years time and that the history of the language in the coming carbon will depend on the history of the community itself (Barber, 1993, p. 276). While Barber is right, Englishs status today and the surfacing of the variety of Englishes all over the world have caused people to predict the future of this language. Changes in the English languages status are influential upon a large state of the world in general and its linguistic choices in particular. Considering the profile of spread of English in the past, it can be estimated that English language would spread even more in the future than it has so far. Mori Arinori, in the 19th century, proposed to replace the Japanese language with another language that is stronger and better like French and English. He emphasiz ed on the need to adopt one of these languages in these words The march of civilization in Japan has already reached the heart of the nation the English language following it suppresses the use of both Chinese and Japanese. The commercialised power of the English-speaking race which now rules the world drives our people into some knowledge of their commercial ways and habits. The absolute necessity of mastering the English language is thus forced upon us. It is a requisite of our independence in the community of nations. Under the circumstances, our scrimpy language, which can never be of any use outside of our islands, is doomed to yield to the domination of the English tongue, especially when the power of steam and electricity shall have pervaded the land (Mori cited in Kachru, 1992, p. 5). English cannot Extinguish Other National Languages Although English has attained the status of an international language, and is

Honky Tonk Music Essay Example | Topics and Well Written Essays - 2000 words

Honky Tonk Music - Essay ExampleThe Honky Tonk practice of medicine was loud music coupled with strong dance beats and electrification of instruments. It represented the fact that live in the country was changing and people were adapting a honky tonk life (Kingsbury, McCall and Rumble, 2012).The Honky Tonk music was specifically popular among the brusque industrial workers who were primarily working in the oil fields among the Gulf Coast. Honky Tonk music was frequently heard in the local taverns where the industrial workers normally came. This gave the music an image steeped in alcoholism and drunkenness.In terms of gender, the Honky Tonk music was strongly masculine. This was mainly because it represented the African American industrial workers who were predominately males. The music industry, at that point of time, was dominated by men. Their views were generally exposed in most of the songs while women represented a very small part of the inviolate music industry. Solo women singers were looked down upon in the music industry. Women, at that point of time, were solace mainly confined to their homes. Men in Honky Tonk music were envisioned as modern while women were rural. This music had very few young-bearing(prenominal) star such as Rose Maddox and Wanda Jackson. It was later in the 1980s that female stars began to experiment with this style. Even thus, masculinity was a main theme of the style.The Honky Tonk music evolved mainly as a result of the changing society. Most of the southerly labor was moving to cities and industrial areas to enjoy the perks offered by city life. These people were becoming more modern with time but country life was still a main part of their identity. These people were strained to live in cities because jobs were usually available only in cities at the time of Depression. Since these people were forced to live in cities when they were mainly rural people, they were usually dissatisfied with the hard city

Property and Trust Case Study Example | Topics and Well Written Essays - 2750 words

Property and Trust - Case Study ExampleBeneficial ownership is of two types joint tenants and tenants in common. If they are joint tenants, then the property cannot be sold without the agreement of the joint tenants. If the property is owned as tenants in common, each of them will have a shell out in the property that they can dispose off as they wish and the discretionary powers vested with them are that they can decide how much each share will be. These people can will their share in case of their death. Transactions involving real estate whether buying or selling shall be record in writing. The important stages in this process are the agreement, the exchange of contracts and the completion. An agreement is defined as where the buyer inspects the property and agrees to pay the price to the seller. In the absence seizure of an agreement the general rule is that everything attached to the property will automatically becomes the property of the buyer. The solicitors and conveyancer s will carry out the legal procedure in move to sale of property. In this process the sellers solicitor obtains the sellers title deeds prepares a contract and sends it to the buyers solicitor. Solicitors do not make any enquiries as to the state of get of the property.The solicitors of both the buyer and seller will exchange the signed contract. The deposit is paid at this stage and the contract becomes binding, subsequently, the completion date is fixed. The Buyers Solicitors send the hurl Duty unload Transaction Return to the Revenue with payment of any stamp duty. The Deeds have then to be registered at the Land Registry. trusted fees such as the Value Added Tax on the fees, money payable to the Local Authority and Water Authority, money payable to Land Charges Registry for searches and copies of the Deeds, Land Registry Dealings fees and Stamp Duty Land Tax are to be complied with1.In our present case the property is purchased by the five friends jointly and thus they be came Tenants in Common. In this context, the members can transfer their share of property to whomsoever they wish to through a will. Friends or relatives, who are buying in concert often, choose to be tenants in common. Thus in other words each of the members owns a specific share of property but does not inevitably have to have equal shares. The share in the property of any member, who dies, does not automatically devolve on to the other legal owners. It goes to the person who was nominal in the will or if there is no will it passes on to the next of kin. Tenancy in common refers to a form of shared ownership where two or more persons own land without the right of survivorship. Tenancy in common is often implemented in cases where property owners are in use(p) in an attempt to reduce inheritance taxes. If the property was owned as a moving in in common, then the question of who inherits the deceased persons share is dictated by the terms of their will or in the absence of a wi ll by the laws of intestacy. In case the property was held under joined tenancy the surviving owner inherits automatically and this is not subject to the will or law of intestacy. When the property was owned solely by the deceased or jointly by owners who have died, the terms of their will determines who inherits however, if there is no wi

The main aim of education should be vocational Term Paper

The main aim of information should be vocational - Term Paper ExampleIn the developing countries, we discovery that during the 1990s, there were policies that reflected the changing priorities and the shift from pre-vocational courses to the empowerment of general education, as advocated by World Bank in 1991 (Mclean and Kamau, 1999). It was contended that the authentic nations that had strong resources, and come up organised and well funded secondary schools, were more suitable for imparting vocational education to its students. However, this theory does not hold true anymore and it is now perceived that vocational education is important for all students, worldwide.It is quite legitimate to frame an economic goal from the context of general education, and one can hardly ignore the necessity of preparing students for their proximo workplaces, so it is of little wonderment when we learn that the vast majority of students believed that schools should help them to do as well as pos sible in their exams and teach them things that would be useful when they entered jobs (National Commission on Education, 1993, 151).Even today the main aim of education is related to the study of certain subjects that can be gradually developed to prepare the students for pursuing higher studies like doing research work (Lauglo, and Maclean, 2005). In the modern context, the term education conveys the same meaning as philosophy and psychology do, for a discipline or field of studies, once calls pedagogy, often set up as a department or school within a college or university, and thought of as subject matter to be taught and developed by further research. One of our tendencies is to make everything just another subject in the educational curriculum (Frankena, 1973). Vocational education in this regards refers to the addition of subjects that are more practical based or job focussed, with visits to industries and with appropriate vocational trainings, to

Taj Mahal Essay Example | Topics and Well Written Essays - 500 words

Taj Mahal - Essay ExampleThe picture depicts the beautiful repository made of white marble, on the blue backdrop of the sky and the river, belowThe Taj Mahal was built everyplace a period ranging sixteen years, from 1632 to 1648, by the Mughal Emperor Shah Jahan, in the sweet remembrance of his wife, Mumtaz Mahal. It is essentially a mausoleum, built by the emperor, with love for his wife. Ever since, it has been the cynosure of tourists, architects and historians, alike.The premier striking feature of this picture is the magnanimity of this mausoleum of love, contrasted against the miniature structure of humanity We can see the huge graceful structure, against which the tourists and visitors look inconspicuous. This is what the monument delivers, with its beauty, which is a ocular treat. The visitors and tourists possess expressions of awe and wonder, on viewing this magnificent building, which refuses not to cast a spell on anyone who visits or views it.Another striking feature of this monument is that the pure white marble used to build this monument is reflective of t

Closing the Gap Between Science and Ethics Essay Example for Free

Closing the Gap Between Science and Ethics EssayThe rapid generatement of nanotechnologies has already become the typical bear of the postmodern technological reality. Societies live in the atmosphere of the rapid technological advancement, and new technological achievements and small revolutions atomic number 18 no longer a surprise. Nanotechnologies energize a effectiveness to become the source of revolutionary shudders in contemporary society.The set up of such revolutions, however, entrust depend on how well the existing scientific, political, economic, and loving institutions can mediate the society-nanotechnology relationships and whether they can promote public acceptability and positive expectations regarding nanotechnology. The current state of science is characterised by the growing gap between nanotechnologies and ethics. Equity, privacy, security, and environmental aspects remain the issues of the major scientific concern.Today, professionals in nanotechno logy need to reconsider the basic standards of their scientific performance and develop effective cooperation frameworks, which will help societies meet their respectable needs and will speed up the integration of nanomaterials with all spheres of human development and growth. In his article, Douglas Parr asserts that nanotechnologies are likely to produce a revolutionary wave of innovations in society. That nanotechnologies are breaking the ice of scientific illiteracy in the postmodern society cannot be denied.To a large extent, nanotechnologies mark the beginning of a new stage in the societys movement toward scientific and human perfection. Recent advancements in nanotechnology confirm the need for the scientific community to develop effective cooperation ties with the rest of non-scientific population, and there are several reasons for that. First and foremost, research and advancement in nanotechnologies have resulted in the major advances in material science, microscopy, and violate understanding of the borderline between quantum and classical physics, which produce significant effects on society.Second, nanotechnologies will lead to a major revolution and produce honest scientific and affectionate shifts in society. Third, the most developed countries readily integrate nanotechnologies with their innovation systems and consider nanotechnologies as the basic driver of wealth creation. Fourth, numerous nanotechnology applications will be introduced into the market. In this atmosphere, society must familiarise itself with the recent advances in nanotechnology. more(prenominal)over, society must realise that nanotechnologies can be equally swell and bad.As a result, the question is in how to obtain the good of nanotechnologies without the bad and whether it is possible at all. Unfortunately, the current state of nanotechnologies makes it difficult for scientists and society to distinguish the good effects of the nanotechnological revolution from its negative implications. The problem is not only in that debates about nanotechnology from governments have been dominated by the simple metric of the amount of money existence put into nanotechnology for international competitiveness reasons. The problem is in that a large gap between ethics and nanotechnologies exists and influences negatively the development of the postmodern science. The number of scientific publications on nanotechnologies rapidly increases, but the number of publications that discuss ethical and social implications of nanotechnologies is at least scarce. The funds available for ethical research in nanotechnology are not being used. The lack of effective dialogue between granting bodies, research institutes and the public may turn nanotechnologies into the source of devastating effects on society.More often than not, research institutes and public bodies do not realise that nanotechnology is associated with a whole range of ethical issues. These issues cover equ ity, security and privacy, ethical implications, and even metaphysical questions. One of the first questions is who will benefit from nanotechnologies and how these benefits are to be distributed among society members. Nanotechnologies have a potential to reduce and resolve the most difficult social controversies, including poverty and animal species extinction however, this is possible only in case the products of scientific evolution are managed properly.Security and privacy are also among the issues of skillful scientific concern. Nanotechnologies will contribute to the development of radically new weapons and surveillance systems and people must decide how it will protect individual privacy against the social movement of near invisible surveillance mechanisms. The effects of nanotechnologies on the environment are yet to be discovered. The incorporation of artificial materials into human systems requires profound ethical and social analysis. To ensure that nanotechnologies wor k for the benefit of the whole society, a close dialogue must exist between research institutions and the public.Such dialogue will pull up stakes prioritising the most important areas of technological research. Such dialogue will also let scientists justify the choice of the most important research areas against direct determinations of societal and public aspirations in these areas. Social and ethical implications of NT research are easy to address through appropriate funding, the development of large-scale interdisciplinary research platforms, intersectional approach, the date of developing countries in NT research, as well as the continuous engagement of the public in all major aspects of NT evolution.These changes will reduce the negative potential of nanotechnologies and will turn them into a successful instrument of meeting the most sophisticated society needs. Conclusion The rapid development of nanotechnologies has already become the distinctive feature of the postmodern reality. Unfortunately, the current state of nanotechnological research is characterised by the growing gap between science and ethics. Society lacks resources needed to familiarise itself with the bad and good sides of nanotechnologies and to reduce their negative potential.Today, scientists must engage in a close dialogue with the public and actively engage the public into NT evolution and research. Appropriate funding, interdisciplinary research platforms and intersectional analysis will help to reduce the existing gap between nanotechnologies and their ethical implications. BIBLIOGRAPHY MNYUSIWALLA, A. , DAAR, A. S. SINGER, P. Mind the gap Science and ethics in nanotechnology. Nanotechnology, 14 2003 R9-R13. PARR, D. Will nanotechnology make the world a better place? Trends in Biotechnology, 23(8) Aug. 2008 395-398.

Malaysia’s financial service Essay Example for Free

Malaysias financial service Essay1.0 IntroductionMaybank was established in 1960, Maybank has grown into an international brand. Malaysias financial service attracter with presence in 20 countries operating from 2,200 offices, with a workforce of everywhere 47,000. Corporate responsibility is integral to the way they do their business. For to a greater extent than 50 days ago, they have believed in an actively practiced Putting People First. To be Maybank customers, investors, partners, employee or even the community. In 1990, Maybank has set up the Tabung Kebajikan Kumpulan Maybank (TKKM), a arrogance fund through which Maybank could reach out to various communities to bring around good social. Over the forms, TKKM has evolved and grown. Beginning with medical and social welf atomic get along 18, the fund soon set opposite ways in which it could contribute to positive change by nurturing continuing economic and community development, heritage preservation and environme nt conservation. In 2010, in conjunction with the groups 50th anniversary, the Maybank foundation replaced TKKM as a guidance of hope for all those who are isolated and disadvantaged. As Maybank new vehicle for Corporate Responsibility, the Maybank foundation aims to expand their impact across the region, touching lives wherever they are operate, and empowering communities to build a better coming(prenominal) both for present and early generations. http//maybankfoundation.com/history.htmlMaybank Group offers a comprehensive range of crossroads and services that includes commercial banking, investiture banking, Islamic banking, offshore banking, leasing and hire purchase, damages, factoring, trustee services, asset management, stock broking, nominee services, bet on capital and Internet banking.1.1 IntroductionMaybanks mission is to humanize financial services across Asia, by providing access to financial services to the people at fair terminations and pricing, and to be al ways at the heart of the community. Maybank vision is to be the leading financial solutions provider in the intention markets and communities they commit to save. http//www.maybank.com/en/about-us/who-we-are/overview.pageThe target market would be for resident that has identity card of themselves and local, it can be adult, youth and young kids for their saving money. The resident can be a consumers, investors, entrepreneurs, non-profit organizations and corporation any purpose can using the Maybank without worrying..2.0 Comparison with others competitors2.1 SWOT analysisStrength (function() var scribd = document.createElement(script) scribd.type = text/javascript scribd.async = true scribd.src = https//www.scribd.com/javascripts/embed_code/inject.js var s = document.getElementsByTagName(script)0 s.parentno(prenominal)e.insertBefore(scribd, s) )() Strength of Maybank is the leading regional market. It is the largest bank in Malaysia in terms of number of branches w here is it was 384 domestic branches and 190 international branches and office of the Maybank. Maybank is the largest listed on the Malaysian stock exchange, Bursa Malaysia, with market capitalization of over RM54 billion as end of March 2011. Capital adequacy, Dividend Yield, Return on Assets and return on Equity are substantially higher than the industry and sector average. A postgraduateer returns is according to its financial report Maybank showed low overhead and cost. Maybank has a customer base of more than 21 million. The user of friendly website, www.maybank2u.com.my is the pioneer for internet banking in Malaysia and easy to be used, it does not wasting people time to go to the bank to amaze their business. With maybank2u people can do their business smoothly without worrying their busy time. Maybank is the largest Banking Service Provider in Malaysia with their ATM Machines widely forthcoming all over Malaysia even the international money transfer service was owned by a Maybank Malaysia, its available through Malaysia, Singapore, Indonesia, Brunei, Philippines, Cambodia, Vietnam and Pakistan. Maybank product line is diversification from brings, financial support, deposit, insurance to investment Banks, over 100% increase in Sales Performance at branches increased product penetration in Maybanks corporate client product portfolio.WeaknessesWeaknesses of Maybank is too much of Banking Operation are focused in and around Malaysia and Singapore, hence limited global penetration and too much revenue comes from sell banking and Islamic Banking, less revenue comes from other passs. Revenue Concentration with all the good branding, Malaysia is still low of the customer satisfaction rating. They are rated at number of 17out of 17 banks in Malaysia for the customer service in year 2010. Maybaks has no continual evaluation and updating of human resources practice and policies. The workers collateral agreement has been passed referable from March 2010. The increase of none Interest expense, Maybank has a reputation for the new product development and creativity. However, they remain vulnerable to the possibility that their innovation may cushion overtime due to homogeneous product service. Maybank has a strong presence in the Malaysia, as they need to look for a portfolio of other countries in assure to spread business risk. Maybank tends to invest in countries which have none stable economic presence such as Vietnam, Indonesia and Philippines. Maybank share price is low than other banks and have to pay a huge amount of money to s micturateholder. 2.2 SWOT analysisOpportunityMaybank growing global Islamic Finance Market as a Maybank Islamic Berhad on track to record RM1 billion in pre-tax profit for 2012. The wider regional Islamic Finance Market to Singapore, Indonesia, Brunei, China, the Philippines and the Middle East. Maybank were the business magnification that can explore and exploit are sized up and its growth potential assessed in the profile. The strategic Restructuring scout for the potential investments and acquisition targets, with detailed taste into the companys strategies, financial and operational performance. Maybank high opportunity is to expand into countries like Laos, once the banks gets the license to operate and to grow in investment banking in Hong Kong. Growth in internet banking will increase the customer base. Maybank is exploring the international banking opportunity in Thailand, Myanmar and Cambodia to achieve its plan to become Regional Financial services leader in 2015.Threats2.2 Marketing strategiesMarketing strategies is the Maybank employee promotes their product from old product to new product to everyone. Which is they promote at a shopping mall, where a slews of people and easy to get a customer. They promote by using a card or giving a short talk about their product such as in terms of giving loan with smaller interest. There are many types of the product for the M aybank to promote for the customer. Undisputed No. 1 Retail Financial Services Provider in Malaysia In Malaysia, Maybank is aiming to maintain their top ranking, in terms of overall market share, across their pump retail financing products including mortgages, automobile financing, credit cards, unit trust financing, and individual deposits. Maybank is intending to reinforce their leadership position in touch points and dissemination network as a key community destination and focal point. The Maybank Customer Value Proposition centers on convenience and serving the needs of the community and they are move to the values of a One Stop Shop, Needs Based Selling and World Class Services. They will leverage on a shared distribution model across all parts of the Group network, and will customize and check their products by segment to meet the needs of their four different types of customers High Net Worth, Affluent, Mass and SME. The Group will similarly capitalize on technology and innovation to achieve high performance in processing generation and customer service. Leading ASEAN Wholesale Bank and eventually to expand into the Middle East, China and India Maybank is aim to become the leading ASEAN wholesale bank which will regard enhancing to corporate relationship model. Strategic initiatives will include Improving domestic and regional market position for corporate and non-retail deposits Building a regional investment bank, increasing contributions to revenue from non-domestic markets and increasing the fee to income ratio contribution. Maybank also aim to expand to the Middle East, China and India.Undisputed Insurance and Takaful Leader in Malaysia and emergent RegionalPlayer Maybank is seek to be the domestic insurance champion and an emerging regional player by 2015 through the growth of their purport, general insurance and takaful business, carried under the Etiqa brand. For general insurance and takaful, the Group will keep pace with industry grow th while maintaining a healthy portfolio mix and supporting a better combined ratio compared to the market. To achieve organic growth in life or family business, they are aggressively growing the Assets under Management (AUM) of their life or family funds through product innovation. The strategy of the Maybank asset management subsidiary is to build a leading asset management brand by providing strong investment management support for Etiqa funds, wholesale funds and institutional mandates as come up as by leveraging on Maybanks elongated distribution network. Truly regional organization, with 40% of pre-tax profit derived from international operations by 2015 Maybank goal is to become a truly regional organization with round 40% of loans and pre-tax profit derived from international operations by 2015. This will be driven by their key markets of Indonesia and Singapore. At the same time, Maybank are developing a presence in the Philippines, Cambodia, Vietnam and China by buildin g scale and scope in these growth markets. Global leader in Islamic FinanceMaybank target is to have one third of their domestic financing backed by Islamic financial assets by 2015. To achieve this, Maybank Islamic banking operations will take full advantage of Maybanks huge domestic branch network as well as its electronic banking platforms and the various distribution outlets of Maybank strategic partners. Maybank also aim to grow their Islamic business in markets like Indonesia and Singapore. Our Islamic banking operations, meanwhile, will focus on delivering innovative and globally accepted products and services that differentiate they Maybank from other Islamic financial institutions. http//www.scribd.com/doc/106370482/Swot-Analysis2.3 Pricing strategieshttp//www.onlinebanksguide.com/maybank/loan.htmlMaybank provides various types of loans to both the personal and business banking customers. The available loans include personal, home, car, ASB andgovernment guarantee loans as well as the Maybank Mikro and Islamic Mikro for a small business enterprises and self-employed individuals. Apart from Malaysia, various types of loans including personal, car, education and home or housing loans are also available in Singapore and consumer loans in Philippines.Maybank bestow ASBMaybank ASB loans or financing are provided for purchasing ASB unit trust. ASB are available in two types namely ASB financing and ASB financing I. Both are offered with a minimum loan amount of RM 10,000 and up to a upper limit of RM 400,000. The details of pricing, payment, period and other requirements can be obtained from the website. Maybank add CarMaybank car or auto loans are available for purchasing and financing on new or second hand cars. On the other hand, these loans can also be used for financing on reconditioned or modified the motor vehicles. In addition, the Islamic and conventional car loans are available with the margin of finance value up to 90% of the sellers invoice at the maximum and the maximum repayment period of to nine-spot years.Maybank Loan nationalMaybank home loans are provided for buying a new house or financing on various types of properties under construction or completed properties. These loans are available as the following types. * Maxi Home* Maxi Homei with variable and fixed rate option* Home Equity-iMaybank Loan RateMaybank loan rates are varied from one type to another and the interest rate also depends on the type of the loan and amount borrowed from the bank. For the home loans, the rates are available in various options including the variable and fixed rate packages. In fact the home loans are offering at the lowest rate of 4.50% for the first 3 years.Maybank Loan CalculatorMaybank provides various types of web based calculators to calculate the monthly repayment, maximum repayment amount, maximum financing amount for the home loans and monthly installment for car or auto loans. These calculators are available as home loan , Islamic home loan and hire purchase calculator.2.4 Product concentration2.5 Types of short term and long term loan availableBusiness loanhttp//www.maybank2u.com.my/mbb_info/philippines/public/personalList04.do?channelId=FIN-FinanceprogramId=FIN05-CorporateComLoanchCatId=/mbb/Personal/FIN-Finance root Stock FinancingA revolving facility providing finance for auto dealers working capital requirements to support purchase of inventory of new vehicles for a short term period Salary LoanSalary deductible loans for any legal purpose granted to qualified employees of companies accredited by the Bank.Revolving Credit LineLoan granted for purpose of working capital, where the amount paid is made continuously available provided it does not exceed the approved credit line. Short Term LoanTerm loans are granted for the purposes of project financing, capital assets acquisition, or business expansion 3.0 ConclusionAssignment 21.0 doubtfulness 1Calculate the future value of RM1, 000 invested to day for three years at 10% (i=0.10) interest rate per annum? Simple interestFV = P (1+ (I x n) )P = amount borrowed / mindI = interest rateN = number of yearsFV 1st year= RM1,000 (1+ (0.10 x 1) )= RM1,000 (1.1)= RM1,100FV second year= RM1,000 (1+(0.10 x 2) )= RM1,000 (1.2)= RM1,200FV 3rd year= RM1, 000 (1+(0.10 x 3) )= RM1,000 (1.3)= RM1,3001.1 Question 1Compound interestFV = P (1+i)nFV 1st year= RM1,000 (1+0.10)1= RM1,000 (1.1)= RM1 100FV 2nd year= RM1 100 (1+0.10)2= RM1 100 (1.21)= RM1 331FV 3rd year= RM1 331 (1+0.10)3= RM1 331 (1.331)= RM1 771.5612.0 Question 2PV= FV1+inPV = RM100 1(1+0.05)1 + RM100 1(1+0.05)2 + RM1000 1(1+0.05)3PV = RM100(1.05) + RM100(1.05)2 + RM1100(1.05)3PV = RM95.24 + RM90.70 + RM950.22PV = RM1 136.163.0 Question 3Simple interestFV 1st year= RM10 000 (1+ (0.06 x 1) )= RM10 000 (1.06)= RM10 600FV 2nd year= RM10 000 (1+(0.06 x 2) )= RM10 000 (1.12)= RM11 200FV 3rd year= RM10 000 (1+(0.06 x 3) )= RM10 000 (1.18)= RM11 800FV 4th year= RM10 000 (1+(0.06 x 4) )= RM10 000 (1.24)= RM12 400FV 5th year= RM10 000 (1+(0.06 x 5) )= RM10 000 (1.3)= RM13 0003.1 Question 3Compound interestFV 1st year= RM10 000 (1+0.06)1= RM10 000 (1.06)= RM10 600FV 2nd year= RM10 600 (1+0.06)2= RM10 600 ( 1.1236)= RM11 910.16FV 3rd year= RM11 910.16 (1+0.06)3= RM11 910.16 (1.191016)= RM14 185.19FV 4th year= RM14 185.19 (1+0.06)4= RM14 185.19 (1.26247696)= RM17 908.48FV 5th year= RM17 908.48 (1+0.06)5= RM17 908.48 (1.338225578)= RM23 965.594.0 Question 45.0 Question 5