Directions:Be sure to save an electronic copy of your answer before submitting it for grading. Unless otherwise stated, answer in complete sentences, and be sure to use correct English, spelling, and grammar. Respond to the items below. Part A: Given the following cash inflow at the end of each year, what is the future value of this cash flow at 6%, 9%, and 15% interest rates at the end of the seventh year? Year 1 $15,000 Year 2 $20,000 Year 3 $30,000 Years 4 through 6 $0 Year 7 $150,000 Part B: County Ranch Insurance Company wants to offer a guaranteed annuity in units of $500, payable at the end of each year for 25 years. The company has a strong investment record and can consistently earn 7% on its investments after taxes. If the company wants to make 1% on this contract, what price should it set on it? Use 6% as the discount rate. Assume that it is an ordinary annuity and that the price is the same as present value. Part C: A local government is about to run a lottery but does not want to be involved in the payoff if a winner picks an annuity payoff. The government contracts with a trust to pay the lump-sum payout to the trust and have the trust (probably a local bank) pay the annual payments. The first winner of the lottery chooses the annuity and will receive $150,000 a year for the next 25 years. The local government will give the trust $2,000,000 to pay for this annuity. What investment rate must the trust earn to break even on this arrangement? Part D: Your dreams of becoming rich have just come true. You have won the State of Tranquility’s Lottery. The State offers you two payment plans for the $5,000,000 advertised jackpot. You can take annual payments of $250,000 for the next 20 years or $2,867,480 today. If your investment rate over the next 20 years is 8%, which payoff will you choose?If your investment rate over the next 20 years is 5%, which payoff will you choose?At what investment rate will the annuity stream of $250,000 be the same as the lump sum payment of $2,867,480?

This assignment will allow you to create your own customized theory of human learning and development. Everyone operates with a theory of what makes the best learning environment and how people grow and develop. The problem is that most education professionals’ theories are neither well-informed nor clearly articulated. Thus, for this paper, you will articulate your theory of how to establish the best learning environment. You will support it by using theoretical perspectives of what defines the best in education from a Christian perspective. Your completed paper will give you a conceptual framework from which to draw strategies and practices for the success of all parties involved in the teaching-learning process.InstructionsThe paper must be a total of 7 pages: 5 pages for the body, 1 title page, and 1 reference page. It must include at least 6 scholarly sources from the Jerry Falwell Library, plus both textbooks (Slavin and Gutek). All sources must be published within the past 5 years. Points will not be deducted if the number of sources you use exceeds the minimum requirement.Throughout your paper, you must also weave a solid biblical basis for your theory that is supported by specific scriptures referenced by chapter and verse. Your Final Paper must be concise, well-developed, and follow current APA format.You may find it useful to focus on the educational area in which you intend to serve (elementary, middle, high school, gifted, ADHD, special education, etc.). Throughout this paper, it is essential that you demonstrate your understanding of the readings and course work. Your learning theory must be unified and congruent. Organize your paper using the following headings:1)Introduction2)Learning Theory and Its Importance3)Description of an Effective Teacher 4)Description of an Effective Learning Environment (Include discussions of direct instruction, technology, motivation, classroom management.)5)Actively Including and Engaging Learners with Diverse Needs and Exceptionalities6)Addressing Behavior and Character Development7)Engaging Students in Learning, Building Self-Efficacy and Motivation8)Personal Reflections/Conclusion Throughout your paper, be sure to include principles of the developmental learning theories (i.e., Piaget, Kohlberg, Vvgotsky, Erickson, Bandura, etc.) studied in this course, as they relate to your educational area and population. Incorporate specific theoretical terminology that demonstrates your understanding of each of the theories. Then, support your customized learning theory from both a developmental and biblical perspective throughout your paper. You will find valuable information for each of these sections in your course textbooks. GRADING RUBRIC ATTACHED

You must answer 4 of the 8 essay questions. Should you answer more than 4, only the first 4 will be graded. Each essay is worth 25 points for a total of 100 points for the exam. Be sure you organize your response covering all the aspects of the questions.Length Requirement: Each essay response is required to be at least 500 words in length. Essay responses that are shorter will receive deductions based on how many words under (the farther from the designated length, the higher the deduction). Between 400-499 words, you will lose 5 points, under 400 words, you will lose 10 points. Direct quotes do not count toward the word total. Please keep direct quotes to a minimum. Your response should be at least 90% original thought. Also, I am expecting to see analysis and the synthesis of ideas in your essays (not just a manipulation of direct quotes with your words spliced in between). Content Requirements: Content must be comprehensive, accurate, and persuasive. Your response should be at least 90% original thought. Must use data from a minimum of two scholarly sources to support statements and draw a thorough and convincing conclusion from the data. Bibliographical Requirement: Please do not use unprofessional sources such as Wikipedia, About.com, Answers.com, Dictionary.com, How.com, or anything remotely similar. Examples of scholarly sources include our course content (e.g. Read & Watch resources), textbooks, journal articles, trade magazines, and conference proceedings. UMUC has a top-notch, extensive online library. You can find many scholarly sources there. Note: "Personal communications (e.g. Twitter Posts, Blogs, and YouTube Videos)" are not considered professional or scholarly sources. Include at least TWO in-essay citations in EACH essay and a reference list at the END of each essay.Formatting RequirementsThe paper must follow APA guidelines throughout. See Course Content>Course Resources>Sample Paper to Show Appropriate Document Formatting.Double-spaced (including the reference page) with the first line of each paragraph indented.1-inch Margins12 point professional font Begin each essay on a separate page