l6.)'l'ransli:mbility of Rights. ' MODULE 2
- General Rule: If the right is acquired by virtue of an
obligation. then it is transmissible (transferable)?
ifferent Kinds ol'Obligations
0 Sanchez Roman and Monma both provided a detailed
Exceptions: outl

MODULE ONE
PART I.
l.) W. Anaetoreomseofactionto
whichaperaonismoraliyorlogaliyboundzadutyor
commitment. Any act by which a person becomes bound to
do something to or for another.2
o The term obligation is not limited to the legal meaning
that is normally

Confidence Intervals
Statistical Inference
Statistical Inference
Statistical Inference is a procedure whereby, on
the basis of observed data in a particular
sample, we generalize and draw conclusions
about the population from which the sample is
drawn.
La

Equation of Values
Equations of Values
We cannot compare the values of 2 amount of
money if they are not on the same date.
In an equation of values, the sum of values of
one set of obligations/payments on a
comparison date is equal to the sum of values

Chapter 7
Sampling and Sampling Distributions
By
Junius W. Yu
2013
Review
Element is the entity on which data are
collected
Population is the collection of all the
elements of interest
Sample is a subset of the population
Sampled population is the pop

[Type here]
During our conversation with Sr.
Agnes, I have learned a lot of things
not only about her, how she lives her
life in the congregation but also
lessons that she has left us in the short
amount of time that we were with her.
When she was telling

Amortization
Amortization
If a loan(debt) is repaid on installments (usually in
equal amount) then the loan is said to be repaid by
amortization method. Each installment payment
consists of payment of interest and repayment of
principal.
All the payments

Act V:
An Enemy of
the People
Brago, Calapatan, Cua, Gordon, Ocampo, Sia,
Ventura, Villacorta
Characters
Setting
1.
2.
3.
4.
5.
6.
7.
8.
Dr. Thomas Stockmanns Study
Dr. Thomas Stockmann
Mrs. Katherine Stockmann
Petra
Captain Horster
Peter Stockmann
Morten

OCAMPO, Ma. Bernadette A.
BS Marketing Management
TREDTWO C31
Ms. Alma Sabulao
TREDTWO Immersion
1. When I heard from my professor that our class will be having a community service, I felt
two things. First, I was stressed since I thought that I was finis

[Type here]
Sisters of Charity of St Anne
Founders
Blessed maria rafols was born on
November 5, 1781 in spain.
Fr john bonal was born on aubust 24,
1769
Oeigin
The congregation was born in Zaragoza,
spain on the 28th December 1804. Their
aim is to manifes

Chapter 5
Discrete Probability Distributions
By
Junius W. Yu
2013
Random Variables
Random Variables is a numerical description of
the outcome of an experiment.
It must assume numerical values and associates it
with each possible experimental outcome. Th

Deferred Annuity
Deferred Annuity
A deferred annuity is a sequence of periodic payments in which
the first payment does not occur at the beginning nor at the
end of the first period but at some later date.
Deferred annuity of n-payments
0
1
2
\
. . .
d
d-

Simple Annuity
Annuity
An annuity is sequence of equal payments made at equal time
interval.
Example.
Installment payments
Monthly rectal payments
Periodic payments for a loan
Periodic payments for insurance policy
Periodic payment -> R
Payment interval -

Chapter 6
Continuous Probability
Distribution
By
Junius W. Yu
2013
Continuous Random Variable
Continuous Random Variable
A random variable that may assume any numerical
value in an interval or collection of intervals
Experiment
Random Variable (x)
Poss

Equivalent Rates
Equivalent Rates
Two annual rates of interest are said to be equivalent if
they yield the same final amount(F) for the same term
and principal (P).
Effective Rate (u) or (w)
Effective rate is the annual rate when compounded
annually produ

Sinking Fund
Sinking Fund
If a person foresees the need to have a certain sum at
some future date, he/ she may create a fund by
making periodic deposits that will accumulate exactly
to the sum needed. Such a fund is called a sinking
fund.
The periodic dep

Ocampo, Ma. Bernadette A.
GREATWK C37
Dr. Fanny A. Garcia
Hunyo 2, 2016
Ako
Ang pangalan ko ay Ma. Bernadette A. Ocampo. Ako ay labing walong gulang at
kasalukuyang nasa pangalawang taon ng pag-aaral ng Ma

ANNUAL REPORT 2014
CHINA BANKING CORPORATION
China Bank Building
8745 Paseo de Roxas corner Villar Street
Makati City 1226, Philippines
www.chinabank.ph
C hina Banking Corporation (China Bank), stock symbol CHIB, was
incorporated on July 20, 1920 and comm

Interview with Sr. Agnes
[Type here]
What was her intention of joining a
a congregation?
What difficulties did you experience
before entering the congregation?
Her parents were against her
decision, mainly her father, since
they believed she was not fit f

Ocampo, Ma. Bernadette
BS Marketing Management
August 11, 2016
ECONTWO K34
Reflection Paper: Integrating into the ASEAN Economic Community
The ASEAN Economic Community (AEC) is a highly competitive, fully integrated
community, more integrated market, worl

OCAMPO, Ma. Bernadette A.
September 8, 2015
BS Marketing Management
TREDTWO - C31
Homework
1. What is the difference between Human Acts and Acts of Man?
A human act is one that proceeds from knowledge and free will. A human act is something
a person does

Compound Interest
Note: The yield of a simple interest is constant through the term of
the loan/investment.
Given
P=12,000
I=1200
r=10%
F=13200
P=12000
t=1 year
1 yr
0
F=?, I=?
600
F=12,000(1+(0.10)(1)
=13,200
I=1,200
600
0
300
0
1 yr
6 mo
300
3 mo
300
6

Annuity Due
Annuity Due
Annuity due is a sequence of periodic
payments made at the start of each period.
R R R R
1 2 3
*0 *
Present Value of Annuity Due
Or
Value of the annuity due on
beginning of the term or 1st
payment date
R R
\
. . . . . . . . .
n-1

[Type here]
to everyone she meets and spends
her time with. She remains strong
and faithful to the Lord amidst the
challenges in her life. Lastly, I
realized that even sisters live like
ordinary people. They pray, they
eat, they attend mass, they even do

Simple Annuities
Activities
Activity
1. An LCD television set is purchased with a down payment of
P30,000 and P4,624.50 at the end of each month for 2 years
to discharge all principal and interest at 15% compounded
monthly. Find the cash price of the tele

The Philippines would need a Machiavellian leader, someone who is capable of devising
different ways in dealing with problems. This country is encountering varied problems and not
all of them could be answered with a single solution and a lot of aspects o

De La Salle University
A.Y. 2015-2016
Second Term
In Partial Fulfillment
of the Requirements for
ENGLRES C
An Informative Research Paper on
Integrated Marketing Communications
Submitted by:
Ma. Bernadette A. Ocampo
Raisa Victoria S. Santiago
Submitted t

Introduction to
Probability
By:
Junius W. Yu
2012
Probability
Probability is a numerical measure of the
likelihood that an event will occur.
Probability values are always assigned on a
scale from 0 to 1.
Increasing Likelihood of Occurrence
0
.
5
1
The ev

OCAMPO, Ma. Bernadette A.
BS Marketing Management
Ricky Lee at Ako
May 26, 2016
GREATWK C37
Huwag kalimutan, sinabi ng aking guro sa Sibika noong ako ay nasa ika-apat na baitang
matapos niyang ipanood saamin ang isang

Chapter 9
Hypothesis Testing
BY:
Junius W. Yu
2012
Slovins Formula
n= N/(1+Ne2)
Let N be the population
And e as the error. For instance 95% then the
error is 5% (0.05).
Example if population is 1000.
n= 1000/[1+1000(0.0025)]= 285.71~286
samples.
Def

Simple discount
Simple Discount
The
amount received by the borrower on the
origin date is called the proceed (P)
Maturity value: F
Discount interest rate:
Discount interest :
Loan proceed: P
Simple Interest vs Simple Discount
Situation: A borrower signed