Hofstra University Latin Honors Convocation 2013

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“To the time value software t value training video in this lesson you will see see how to execute the loan workout. Strategy with a loan that was structured with monthly skip payments and also has two months and partial payments in this example. The borrower takes out a nine million dollar loan to purchase a small ski resort with a nominal annual rate of four point seven five percent interest will be calculated using the actual over 365 day counting convention. The term of the loan is thirty years with a balloon payment due after twenty years of payments due to the seasonality of this business.

The loan has skipped payments each year in the months. The resort closes its operation in august through october. After nine years. The resort experience as i winter with very light snowfall due to this fact the ski season was shortened and the borrower was only able to make partial payments of 28.

Thousand eight hundred and ninety four dollars and 31 cents. The amount needed to cover the interest on the loan in june. And july of 2012. The borrower agrees to make four additional months of interest.

Only payments during the forbearance period beginning on november. The 1st 2012 and then presumes paying the regular monthly payment amount for the remainder of the term the shortfall due to the deficient principle payments during the partial payment months and the four other months of skip principal payments will be added to the balloon payment amount after making the modifications to the loan. The amended balloon payment amount will be calculated for your benefit the details of this loan workout. Example will be displayed on the lower right of the cash flow matrix for the remainder of the demonstration when a new t value cash flow matrix opens.

We will need to adjust the computer settings to accommodate an actual over 365 day counting convention for calculating interest to accomplish. This set compounding to exact days. Then click setup on the gray menu bar. Then select compute setup.

When the compute setup. Dialog appears select 365 from the year length drop down. Menu check. Save settings.

Then ok. Notice that the 365 day year designation is now displayed at the bottom of the cashflow. Matrix in the nominal annual rate field. Type.

475. Tab. 2 line. 1.

And select loan for the event in line. 1. In the date. Field type 2 1.

2003. The loans inception date. Tab. 2.

The amount field and type..


9. And the letter m. For 9 million. In the number field 1 will be displayed because we have one loan click tab or press the enter key to advance to line 2 select payment for the event.

The date will default to one month later type you are unknown in the amount field then 360 in the number field to represent the 30 years of monthly payments to structure this loan with monthly skip payments right click on line 2 select special sirhan s and when the special series dialog appears click the monthly skip tab in the select months to skip field select the august september and october check boxes since no payments will be required during these months notice that when the august payment checkbox has been selected the activated monthly skip series box is automatically checked then click ok notice that monthly skip is now displayed to the right of the end date click on the calculate icon on the toolbar. A payment amount of sixty two thousand five hundred and sixty eight dollars and fifty two cents is now displayed in the number field on line two change 360 to 240 240 represents the 20 years of regular monthly payments prior to the required balloon payment amount at the notes maturity click on line 3 select payment for the event the date will again default to the next month in the amount field type. You for unknown click the calculate icon on the toolbar in the balloon payment amount of four million four hundred ninety five thousand eighty one dollars and seventy six cents is now displayed click the expand icon on the tool bar to display the individual cash flows. Which will allow you to make the adjustments in this workout.

Arrangement since the borrower makes partial payments in june and july of 2012. You will need to scroll down to line 113 click on the amount field and enter twenty eight thousand eight hundred and ninety four dollars and thirty one cents for the june payment now click on the amount field on line 114 and type twenty eight thousand eight hundred and ninety four dollars and thirty one cents the partial payment amounts are only enough to cover the interest accrued on the loan balance. Now that we have adjusted the loan for the two partial payments. We will enter the four months of interest only payments to accomplish this right click on line 118.

Select special series from the drop down when the special series dialog appears click on the interest. Only tab. Then check the activate interest only series box. And then click ok repeat this process for the next three months now that the four interest only payments have been interned move your cursor to the tool bar and click on the sword icon to account for the deficient principle payments in june and july and therefore months of principal payments.

The balloon payment amount must be recalculated. However before recalculating the balloon payment. It is beneficial to see how the balloon payment will be impacted by the partial and the interest. Only payments.

This can be accomplished by using the balance or rounding options from the compute drop down on the gray menu bar to demonstrate. These options. Move your cursor to compute on the gray menu bar select balance from the drop down menu. When the balance dialog appears type the balloon payment date march 1st 2023 in the date field then click calculate the number displayed in the balance and principle fields three hundred and twenty four thousand and fifty five dollars and ninety three cents is the balance that will be added to the previous balloon payment amount another method to view this number is to click compute on the gray menu bar and select the rounding option when the rounding dialog appears.

The balance of three hundred and twenty four thousand and fifty five dollars and ninety three sentences displayed by selecting the last payment option. And then okay. The balloon payment will be automatically recalculated bringing the rounding number into account since we will recalculate the balloon payment by another method click cancel in this example we will recalculate the balloon payment by simply clicking the amount field on line 45 and typing you for unknown by clicking the calculator icon on the toolbar. The amended balloon payment amount of four million eight hundred and nineteen thousand one hundred thirty seven seventy four cents is now displayed to see the details of the loan workout click on the amortisation schedule tab by doing so you can view the loan details from the cash flow matrix you have now completed the t value software training video to see more useful videos.

s malkin biochemistry and last. But not least certainly tia. Hera. Turner.

Pre med studies. A big hand for oliver. The joan and donald action library undergraduate library research award was established in 1997 by the library faculty to recognize and reward excellence in research and writing by a graduating senior. All papers are nominated by the faculty for whom.

The paper was written and then read carefully by a faculty selection committee. There are two awards each award includes a monetary prize and publication of the paper on the library s website. This year s winners are ashley rothbart and jesse marcus crossan. Please stand both of you ashley s paper is entitled a figure study depictions of king david in renaissance and baroque art.

Ashley s paper is an honors thesis in art history and written for dr..


Claire. Lindgren. Jesse. s paper is titled the art of the possible.

No child left behind the affordable care act and bipartisanship in the 21st century. Jesse s paper is an honors thesis and political science. Written for dr. Bose on behalf of the library.

Faculty and award committee. I congratulate ashley and jesse for their achievements and i now ask that they come forward as they are to be recognized by president rabinowitz and provost berliner now in addition to having outstanding students. We also have outstanding faculty and each year hofstra university. Selects recipients from our outstanding faculty to receive the lawrence a stetson prize for outstanding scholarly publication.

The prize was established in the 1984 85 academic year to reward. The scholarly efforts of hofstra s outstanding new generation of faculty. This year s recipients of the prize are ashera astral form the maurice a dean school of law and famila pasupathi from the english department. Please join me in congratulating them and now to present the mentor of the year award.

It s my pleasure to introduce neil donohue. The senior associate dean of hofstra university honors college good afternoon this year for the second time the university is presenting an award for mentor of the year to a faculty member who has demonstrated outstanding supervision of advanced undergraduate research the recipient this year is dr. Justin d angelo assistant professor of biology whom i d like to invite to the podium to receive the award and to be congratulated by the president and the provost hofstra university proudly presents the 2013 mentor of the year award to justin deangelo phd assistant professor of biology for outstanding supervision of undergraduate research in biology this award reaffirms hospital university s recognition of advanced undergraduate research and dedicated faculty supervision as part of its commitment to teaching excellence dr. Deangelo exemplifies that dedication we come now to the recognition of the academic achievements of our students the men and women assembled here are the most accomplished of our graduating seniors for to earn honors one must graduate with a minimum 36.

Grade point average. It will be my pleasure to bestow the honors pin. As you as you pass in review. Before that you ll have an opportunity to shake hands with president.

Stuart rabinowitz. Will the student marshals. Please lead the honors students to the stairs to your right honors candidates as you arrive at the podium. Please.

Hand your cards to senior vice provost for academic affairs. Dr. Lior apish milkin. Who will be introducing you now i know you may not follow this but please hold your applause until all the honors candidates have been introduced thanks philip berger summa laude honors college recipient of the stanley chemise undergraduate research fellow in biology pursuing an md phd.

Program. Jesse croson summa laude honors college phi beta kappa pi sigma alpha high honors university of michigan phd in political science cindy milken summa laude chemistry departmental high honors hu hc graduate with distinction harvard medical school and i m proud of all of our graduates. But that s a family member so tia turner summa laude tri beta biological honor society pursuing combined md phd program michael viscardi magna laude beta gamma sigma beta alpha sci hofstra university graduate school nicholas adamo laude provost lists vice president italian club steven crit cirillo laude dean s list departmental honors in business management. Diana kesselman summa laude honors college.

Phi beta kappa gamma kappa kappa alpha italian honor society middlebury college shanae ashley tara s aqus laude dean s list every semester danielle greco laude provost scholar dean s list every semester hofstra university law school josef s avoca magna laude dean s list every semester hofstra university school of business brian peron laude arthur stein endowed memorial scholarship dean s list every semester hofstra university of graduate school justin miata magna laude provost lists beta alpha tsai accounting honor society hofstra university graduate school ashley drop can laude beta alpha tsai hofstra university graduate school bonnie ring summa laude provost scholar beta alpha sigh patrick o brien summa laude on the exec board of beta alpha site teaching assistant to accounting chair hofstra university graduate school courtney henley magna laude phi beta kappa honors college jill goldstein laude hofstra university zarb school of business graduate school andrea del bene laude honors college by ada sigma natasha unis laude honors college pi sigma alpha law school katherine carr poach laude dean s list cuny ma and applied theatre ashley rothbart honors college summa laude phi beta kappa phi alpha theta christopher wilde vogel summa laude honors college phi beta kappa sigma tau delta hofstra mfa program christopher wink laude dean s list golden key international honor society rhianna cane. Summa laude. Pi. Kappa.

Lambda..


Teachers. College kristin godai magna laude dean s list excellence in music education award quinnipiac alexandra foxx laude cultural center judaic studies scholarship hebrew union college michele maroko laude dean s list samantha cut catania laude robert cano bo laude provost lists hofstra university graduate school jennifer nae dress summa laude golden key hofstra honors college pi sigma alpha hofstra law school kylee schuester summa laude phi beta kappa golden key elizabeth parrot moved magna laude alpha phi omega departmental high honors guildford school of acting. Meghan corcoran laude dana lewis laude sigma tau delta laura lee poli laude pursuing english education queens college samantha newby laude pi mu epsilon honors college matthew grote summa laude phi beta kappa pi mu epsilon amanda milano summa laude pi mu epsilon. Kappa delta pi hofstra school of education graduates jacqueline weiss magna laude pi mu epsilon marine mattia laude caterina edward summa laude phi beta kappa university of albany melissa mccarthy summa laude diana petrella laude chappell goldberg award provost scholar gina sharifa summa laude provost our katelyn frisch laude alpha c omega alexandra right meir laude alpha sigh omega honors college james crichton laude alpha chi omega kathryn harrigan laude provost scholar university of pittsburgh dana montalbano laude dean s list hofstra university physician assistant steven mobilio magna laude beta alpha c beta gamma sigma sylvia stan geo magna laude honors college hofstra law grace gavel anna s laude honors college.

Molly. Forrester laude dean s list every semester. Sarah don gher. Laude phi a to sigma golden key.

Hofstra. Law. Jack ruhub. Laude.

Beta. Gamma. Sigma. Brooklyn.

Law. William looks. Mcsweeney laude. Founder of pride investing placed in top 5 new york state society competition at hofstra jonathan grows laude co founder of pride investing kevin and sell laude president hofstra financial management association team leader hofstra small capital investment.

Team. Jill geison laude provost list ada sigma gamma. Katelyn alsip magna laude iota tau alpha golden key. Alexandra spur duties summa laude iota tau alpha golden key stony brook doctor of physical therapy christina gigante laude pi sigma alpha hofstra university industrial organizational psychology sean grad well summa laude phi beta kappa phi alpha theta phi a to sigma ashley donahue laude honors college daniel hilton laude phi alpha theta honors college lauren ratko so summa laude phi beta kappa golden key alexis c.

Zirin. Magna laude tri beta biological honor society honors college. Johns hopkins. Emma.

Hart. Summa. Laude golden key psych hi frederick verone. Magna laude honors college beta beta beta john dimeglio magna laude honors college phi beta kappa gerrit van curran summa laude honors college undergrad presidential association supervision employed as public middle school english teacher taylor crawford magna laude hogwarts i read it sarah eckstein laude sigma tau delta fia to sigma nyu thomas lavin summa laude provost scala hofstra physician assistant anna oh cano ski summa laude phi beta kappa honors college rebecca gian arcus summa laude phi beta kappa honors college by sigma tau hofstra university mfa program brianna ko laude honors college hannah lindner magna laude phi beta kappa honors college leah bank summa laude honors college barrymore chor summa laude honors college phi beta kappa provost list zachary alters summa laude provost scholar phi beta kappa meryl beckstead laude professional shark wrestler presidential scholarship jean marie doherty summa laude golden key gamma kappa alpha akansha natal.

Summa. Laude. Vice president hofstra international club placed third in amman a tional collegiate competition alexandra lourdes magna laude presidential scholarship recipient ashley fountain laude honors college golden key lambda pi ada emerson college james weapon magna laude departmental high honors acs outstanding senior vanderbilt university courtney grimes laude by a to sigma american chemical society university of maryland reo flag neck laude phi alpha theta honors college anthony theoretic magna laude beta gamma sigma lee wang magna laude honors with distinction jessica goldberg magna laude phi sigma tau pi sigma alpha st. John s law dani lundy magna laude honors college golden key mat su cacciatore summa laude phi beta kappa daniel caputo magna laude phi beta kappa matthew earned magna laude honors college jennifer miller summa laude honors college president tribe aid of biological society phi beta kappa new york osteopathic medicine lauren campbell summa laude phi beta kappa hoh c graduate hofstra university graduate school cassidy holly laude beta alpha side dean s list elisa bluff laude provost scholar daniel barbuto laude throughout provost scholar hofstra university graduate school joshua plant soma laude hops the honors college phi beta kappa epsilon pi epsilon josh ettinger laude honors college gamma theta upsilon thomas de blasi laude departmental honors psychology provost fowler amy roberts summa laude phi beta kappa phi ada sigma sara de caro laude file for theta provo scholar loyal loyal loyola university sorry lucas belle laude beta gamma sigma president of german club gary kivar escape summa laude.

Phi beta kappa beta gamma sigma john archibald magna laude honors college captain hofstra quidditch jeffrey caste aldo laude tri beta honors college christopher m. Kiss. Laude daniel kaufman laude honors college ronnie raised magna laude beta gamma sigma thomas eddy summa laude recipient of de metrio endowed scholarship mu epsilon alexi knox summa laude phi beta kappa pi sigma alpha brooklyn law. Chelsea.

Terrell summa laude phi beta kappa lambda pi beta honors college ashley melfi laude society of collegiate journalists dean s list jenna masnick laude provost lists kaela mclaughlin laude..


Dean s list cara matson magna laude phi beta kappa sigma pi hofstra. University graduate school bryan chess laude alpha c omega honors college kody derrick s laude alpha c omega honors college. Meghan maloney laude alpha phi omega mary gallagher summa laude provost list dean s list kristina kalokhe houseless. Magna.

Laude golden key honors college. Five year program in journalism. Alexander. Alexandra.

Coughlin. Laude. Phi. Beta.

Sigma order of omega. Michele. Giuseppe. Magna.

Laude. Dean s list hayley tines laude dean s list order of omega michele kirkwood. Laude golden key honors college. Rachel lutz.

Laude. Dean s list golden key. Jerome bailey. Laude.

File pathetic working at frisco bay high school marcia dombrowski laude stephanie caputo laude national dance honor society hofstra graduate school amanda salvo chi magna laude honors college university of maryland amanda cox magna laude honors college phi beta kappa tri beta duke university wayne to look laude. Dean s list. Anika. Wilson laude dean s list michele chaleur key laude dean s list provost scholar kayla mellon.

Mad laude dean s list columbia university nordia campbell summa laude phi beta kappa golden key michigan state university emily korres l laude honors college hofstra university graduate school rebecca cuthbertson laude golden key honors college joseph vanuit magna laude phi alpha theta provost our christopher click newark laude pi mu epsilon crystal mich berger magna laude pi mu epsilon golden key jennifer moralia summa laude phi beta kappa honors college hofstra university graduate school jared cohen laude golden key honors college kristen sprague summa laude fine arts art history high honors honors college jenna notre francesco summa laude phi beta kappa honors college brianne richards summa laude departmental high honors rtvf phi beta kappa hofstra law marissa castoro laude honors college by ada sigma catherine smith summa laude phi beta kappa honors college christina braco laude honors college kirsten white magna laude amsterdam scholarship exchange lianne bua laude 8a sigma gamma deanna goering magna laude ada sigma gamma honors society dean s list molloy college appeal ali magna laude 8a sigma gamma honors college laura schlosser laude ada sigma gamma president hofstra rotaract columbia university elise souter laude winter 2013 academy american poets writing award honors college elizabeth goodrich summa laude golden key outstanding achievement in industrial design miles zini laude phi beta kappa golden key paula pellegrini laude tri beta academic scholarship applying to medical school kaylee platt laude golden keith i ate a sigma sara gambits summa laude pi departmental honors accounting honors with distinction michael ali summa laude beta gamma sigma golden key beneath the bagu laude 2011 poly at award achievement in organic chemistry honors college hofstra physician assistant program crystal malechek laude provost scholar honors college hofstra physician assistant program kamli stephanie gators laude tri beta honors college pursuing degree in veterinary medicine. Megan volpe summa laude provo scholar golden key hofstra physician. Assistant program. Michele walsh laude tri.

Beta honors college new york institute of technology nyeeehhh love. Cal nayla khalfan magna laude tri beta cold who keep pursuing dental degree brianna garcia magna laude honors college hofstra university mba alison cortes laude honors college kappa delta pi elissa receipt ello laude lambda pi ada honors college cory protein laude honors college golden key lambda pi ada faith 3 alum laude zawadi africa scholar departmental honors agnes matheny magna laude phi ada sigma zawadi africa scholar university of london school of african and oriental studies alisha. Ray laude phi beta sigma lambda pi. 8.

A golden key graduated in three years danielle fagan laude graduated in three years with dual degree ashley freeman laude honors college by eight a sigma lambda pi ada bill gates millennium scholar richard loeb kellogg magna laude honors college beta gamma sigma ian conover laude honors college golden key steven delillo laude honors college karen bricks kalau d gamma theta upsilon pi sigma alpha luigi mundi laude honors college phi beta sigma melanie rubin magna laude provost scholar lambda pi ada lea thompson summa laude honors college pi kappa lambda rachel blaustein laude william rosencrantz endowed music scholarship peabody conservatory of johns hopkins charles picone summa laude pi sigma alpha gamma theta upsilon hofstra graduate school nicholas esposito magna laude phi beta kappa distinguished young composer honors college berklee college of music paul jordan talbot laude honors college phi sigma tau music department award of academic excellence theodore bunker laude sigma tau delta phi sigma tau chelsea wagon laude dean s list brooke shaughnessy laude provost lists golden key michele calderon laude honors college golden key mary saint angelo laude am tree ordonez magna laude lambda pi aide of pi sigma alpha joseph cutter magna laude senior of the year award in journalism lambda pi ada thank you oliver and now will the honorees please rise for another round of applause you deserve it thank you with this applause comes. Our heartiest congratulations and best wishes please be certain to wear the honors stole to your graduation. The stole is also yours to keep his recognition of a job well done and as a souvenir for future years the ceremony will conclude with the recessional perform by the hofstra university brass ensemble will the audience remain standing while the academic procession leaves the arena ” ..

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