Compound interestCompound interest is the addition of interest to the principal sum of a loan or deposit, or in other words, interest on principal plus interest. It is the result of reinvesting interest, or adding it to the loaned capital rather than paying it out, or requiring payment from borrower, so that interest in the next period is then earned on the principal sum plus previously accumulated interest. Compound interest is standard in finance and economics.
InterestIn finance and economics, interest is payment from a borrower or deposit-taking financial institution to a lender or depositor of an amount above repayment of the principal sum (that is, the amount borrowed), at a particular rate. It is distinct from a fee which the borrower may pay to the lender or some third party. It is also distinct from dividend which is paid by a company to its shareholders (owners) from its profit or reserve, but not at a particular rate decided beforehand, rather on a pro rata basis as a share in the reward gained by risk taking entrepreneurs when the revenue earned exceeds the total costs.
Discounted cash flowThe discounted cash flow (DCF) analysis, in finance, is a method used to value a security, project, company, or asset, that incorporates the time value of money. Discounted cash flow analysis is widely used in investment finance, real estate development, corporate financial management, and patent valuation. Used in industry as early as the 1700s or 1800s, it was widely discussed in financial economics in the 1960s, and U.S. courts began employing the concept in the 1980s and 1990s.
Internal rate of returnInternal rate of return (IRR) is a method of quantifying the merits of a project or investment opportunity. The calculation is termed internal because it depends only on the cash flows of the investment being analyzed and excludes external factors, such as returns available elsewhere, the risk-free rate, inflation, the cost of capital, or financial risk. The method may be applied either ex-post or ex-ante. Applied ex-ante, the IRR is an estimate of a future annual rate of return.
Interest rateAn interest rate is the amount of interest due per period, as a proportion of the amount lent, deposited, or borrowed (called the principal sum). The total interest on an amount lent or borrowed depends on the principal sum, the interest rate, the compounding frequency, and the length of time over which it is lent, deposited, or borrowed. The annual interest rate is the rate over a period of one year. Other interest rates apply over different periods, such as a month or a day, but they are usually annualized.
Valuation using discounted cash flowsValuation using discounted cash flows (DCF valuation) is a method of estimating the current value of a company based on projected future cash flows adjusted for the time value of money. The cash flows are made up of those within the “explicit” forecast period, together with a continuing or terminal value that represents the cash flow stream after the forecast period. In several contexts, DCF valuation is referred to as the "income approach".
Minimum acceptable rate of returnIn business and for engineering economics in both industrial engineering and civil engineering practice, the minimum acceptable rate of return, often abbreviated MARR, or hurdle rate is the minimum rate of return on a project a manager or company is willing to accept before starting a project, given its risk and the opportunity cost of forgoing other projects. A synonym seen in many contexts is minimum attractive rate of return. The hurdle rate is frequently used as a synonym of cutoff rate, benchmark and cost of capital.
World Wide WebThe World Wide Web (WWW), commonly known as the Web, is an information system enabling information to be shared over the Internet through simplified ways meant to appeal to users beyond IT specialists and hobbyists, as well as documents and other web resources to be accessed over the Internet according to specific rules, the Hypertext Transfer Protocol (HTTP). Documents and downloadable media are made available to the network through web servers and can be accessed by programs such as web browsers.
WebDAVWebDAV (Web Distributed Authoring and Versioning) is a set of extensions to the Hypertext Transfer Protocol (HTTP), which allows user agents to collaboratively author contents directly in an HTTP web server by providing facilities for concurrency control and namespace operations, thus allowing Web to be viewed as a writeable, collaborative medium and not just a read-only medium. WebDAV is defined in by a working group of the Internet Engineering Task Force (IETF).
Safari (web browser)Safari is a web browser developed by Apple. It is built into Apple's operating systems, including macOS, iOS, and iPadOS, and uses Apple's open-source browser engine WebKit, which was derived from KHTML. Safari was introduced in Mac OS X Panther in January 2003. It was included with the iPhone since the latter's first generation, which came out in 2007. At that time, Safari was the fastest browser on the Mac. Between 2007 and 2012, Apple maintained a Windows version, but abandoned it due to low market share.
Environmental healthEnvironmental health is the branch of public health concerned with all aspects of the natural and built environment affecting human health. In order to effectively control factors that may affect health, the requirements that must be met in order to create a healthy environment must be determined. The major sub-disciplines of environmental health are environmental science, toxicology, environmental epidemiology, and environmental and occupational medicine.
ColorColor (American English) or colour (Commonwealth English) is the visual perception based on the electromagnetic spectrum. Though color is not an inherent property of matter, color perception is related to an object's light absorption, reflection, emission spectra and interference. For most humans, color are perceived in the visible light spectrum with three types of cone cells (trichromacy). Other animals may have a different number of cone cell types or have eyes sensitive to different wavelength, such as bees that can distinguish ultraviolet, and thus have a different color sensitivity range.
Color blindnessColor blindness or color vision deficiency (CVD) is the decreased ability to see color or differences in color. It can impair tasks such as selecting ripe fruit, choosing clothing, and reading traffic lights. Color blindness may make some academic activities more difficult. However, issues are generally minor, and people with colorblindness automatically develop adaptations and coping mechanisms. People with total color blindness (achromatopsia) may also be uncomfortable in bright environments and have decreased visual acuity.
Environmental justiceEnvironmental justice or eco-justice, is a social movement to address environmental injustice, which occurs when poor and marginalized communities are harmed by hazardous waste, resource extraction, and other land uses from which they do not benefit. The movement has generated hundreds of studies showing that exposure to environmental harm is inequitably distributed. The movement began in the United States in the 1980s. It was heavily influenced by the American civil rights movement and focused on environmental racism within rich countries.
Net present valueThe net present value (NPV) or net present worth (NPW) applies to a series of cash flows occurring at different times. The present value of a cash flow depends on the interval of time between now and the cash flow. It also depends on the discount rate. NPV accounts for the time value of money. It provides a method for evaluating and comparing capital projects or financial products with cash flows spread over time, as in loans, investments, payouts from insurance contracts plus many other applications.
Environmental movementThe environmental movement (sometimes referred to as the ecology movement), is a social movement that aims to protect the natural world from harmful environmental practices in order to create sustainable living. Environmentalists advocate the just and sustainable management of resources and stewardship of the environment through changes in public policy and individual behavior. In its recognition of humanity as a participant in (not an enemy of) ecosystems, the movement is centered on ecology, health, and human rights.
CashIn economics, cash is money in the physical form of currency, such as banknotes and coins. In bookkeeping and financial accounting, cash is kept in a wallet. Current assets comprising currency or currency equivalents that can be accessed immediately or near-immediately (as in the case of money market accounts). Cash is seen either as a reserve for payments, in case of a structural or incidental negative cash flow or as a way to avoid a downturn on financial markets.
Primary colorA set of primary colors or primary colours (see spelling differences) consists of colorants or colored lights that can be mixed in varying amounts to produce a gamut of colors. This is the essential method used to create the perception of a broad range of colors in, e.g., electronic displays, color printing, and paintings. Perceptions associated with a given combination of primary colors can be predicted by an appropriate mixing model (e.g., additive, subtractive) that reflects the physics of how light interacts with physical media, and ultimately the retina.
Violet (color)Violet is the color of light at the short wavelength end of the visible spectrum, between blue and invisible ultraviolet. It is one of the seven colors that Isaac Newton labeled when dividing the spectrum of visible light in 1672. Violet light has a wavelength between approximately 380 and 435 nanometers. The color's name is derived from the violet flower. In the RGB color model used in computer and television screens, violet is produced by mixing red and blue light, with more blue than red.
WhiteWhite is the lightest color and is achromatic (having no hue). It is the color of objects such as snow, chalk, and milk, and is the opposite of black. White objects fully reflect and scatter all the visible wavelengths of light. White on television and computer screens is created by a mixture of red, blue, and green light. The color white can be given with white pigments, especially titanium dioxide. In ancient Egypt and ancient Rome, priestesses wore white as a symbol of purity, and Romans wore white togas as symbols of citizenship.
