Download Financial Planning Tool here

I’m sure you know the importance of having a professional looking website both in case of a business image and a personal webpage. Now imagine you do the coding for every new page in your website from scratch. On a 10-page site, yes, it wouldn’t be much of a problem, but a 100-page site would be quite troublesome – both in initial coding and debugging.

Fortunately, there’s an alternative: a web page template. Templates are timesavers. They make creating new pages a snap. You will have less work to do, with fewer HTML errors.

But how do you know that it really worth to invest on one? Well, this is an important issue indeed. In order to have a good website design, you must be certain that the design has been through the following phase:

1. There’s creative graphic artist who visualize and the proceeds to design the layout
2. The template is sent to quality control to be inspected. If it fails, it must be sent back for re-work.
3. Website designer produces HTML compatible pages from the template
4. The template is again sent to our quality control team to analyze the HTML design quality. If it fails, it must be sent back for adjustment.

So you see, the process of making website templates is not quite easy. It requires talented professionals to produce it. If you are then thinking, “Okay, points taken. It’s now obvious that finding a good website templates provider is not an easy task. Where can I find the best templates provider?” then don’t worry. I’ve been asking that myself.

I did my research, and come into conclusion that DreamTemplate.com simply is the best! Personally, what I like the most is because it’s cheap . Why do I have to spend my money for a web development team that cost 1000x more than a simple template membership pass. I’d rather spend my money to buy a pre-made website from than website designers and graphic artists. With only $ 59,95, I can have instant access to 1,000+ premium quality website & flash templates (with photoshop PSD & HTML files included!!) At first, I thought I will only get website templates. Fortunately, I was wrong. I can also have access to navigation interfaces for websites, icons, professional fonts, cliparts, abstract images and much more. As for today, the website is also giving away 300 free templates. Remember, it’s a one-time fee for 1 full year!

The templates provided by DreamTemplate is really magnificent. It has everything that I need. The templates has consistent look and feel, yet not boring. With its predictable an consistent navigation structure, the templates from the site will help you keep visitors at the site longer. What even better, the web templates are updated with new additions on a regular basis. All of them can be easily uploadble to your web servers.

I’m not good at photoshop, but I can do things with Dreamweaver and FrontPage pretty well, and that’s enough. Templates provided by DreamTemplate are easy-to-edit. I was saying that website templates are timesavers, but when it comes to DreamTemplate.com, I would say that their template is a lifesaver!

The name “Monte Carlo” appeared in the World War II times, and sometimes is attributed to the researcher Nicholas Metropolis, inspired in the interest of Stanislaw Ulam, his colleague of Manhattan Project at Los Alamos, in the poker game. Monte Carlo, the capital of Monaco, was a known reference for gambling.

According Eckhardt, Ulam invented the Monte Carlo method in 1946 while pondering the probabilities of winning a card game of solitaire. However, Metropolis “attributes the germ of this statistical method to Enrico Fermi, who had used such ideas some 15 years earlier”.

According Liu (2001, p.vii-viii): “The basic idea underlying the method was first brought up by Ulam and deliberated between him and von Neumann in a car when they drove together from Los Alamos to Lamy. Allegedly, Nick Metropolis coined the name ‘Monte Carlo’, which played an essential role in popularizing the method”. Liu comments that the Los Alamos scientists aiming to take advante of the first “super” computer MANIAC, invented a statistical sampling-based technique to solve problems related to stochastic neutron diffusion in atomic bomb project and for estimating eigenvalues of the Schrödinger equation.

Winston (1996, p.22) wrote that the term was coined by mathematicians S. Ulam and J. von Neumann in the feasibility project of atomic bomb by simulations of nuclear fission, and they given the code name Monte Carlo for these simulations.

The first Monte Carlo paper, “The Monte Carlo Method” by Metropolis & Ulam, was published in 1949 in the Journal of the American Statistical Association. Since then, several different areas has been using the Monte Carlo simulations. With the advent of personal computers and the popularization of faster computational machines, the Monte Carlo simulations has been increasing popular as an important alternative for the solution of complex problems.

Monte Carlo simulation is one of the recognized numerical tools for pricing derivative securities, particularly flexible and useful for complex models of real markets. In this model, the maker of this template constructed a Monte Carlo simulation to price an option contract where it can be used to value a stock or a currency option.

Download
Monte Carlo Option Pricing Simulation in Microsoft Excel
Author : Metin Kilic

The Black and Scholes Option Pricing Model didn’t appear overnight, in fact, Fisher Black started out working to create a valuation model for stock warrants. This work involved calculating a derivative to measure how the discount rate of a warrant varies with time and stock price. The result of this calculation held a striking resemblance to a well-known heat transfer equation. Soon after this discovery, Myron Scholes joined Black and the result of their work is a startlingly accurate option pricing model. Black and Scholes can’t take all credit for their work, in fact their model is actually an improved version of a previous model developed by A. James Boness in his Ph.D. dissertation at the University of Chicago. Black and Scholes’ improvements on the Boness model come in the form of a proof that the risk-free interest rate is the correct discount factor, and with the absence of assumptions regarding investor’s risk preferences.

Assumptions of the Black and Scholes Model:

1) The stock pays no dividends during the option’s life

Most companies pay dividends to their share holders, so this might seem a serious limitation to the model considering the observation that higher dividend yields elicit lower call premiums. A common way of adjusting the model for this situation is to subtract the discounted value of a future dividend from the stock price.

2) European exercise terms are used

European exercise terms dictate that the option can only be exercised on the expiration date. American exercise term allow the option to be exercised at any time during the life of the option, making american options more valuable due to their greater flexibility. This limitation is not a major concern because very few calls are ever exercised before the last few days of their life. This is true because when you exercise a call early, you forfeit the remaining time value on the call and collect the intrinsic value. Towards the end of the life of a call, the remaining time value is very small, but the intrinsic value is the same.

3) Markets are efficient

This assumption suggests that people cannot consistently predict the direction of the market or an individual stock. The market operates continuously with share prices following a continuous Itô process. To understand what a continuous Itô process is, you must first know that a Markov process is “one where the observation in time period t depends only on the preceding observation.” An Itô process is simply a Markov process in continuous time. If you were to draw a continuous process you would do so without picking the pen up from the piece of paper.

4) No commissions are charged

Usually market participants do have to pay a commission to buy or sell options. Even floor traders pay some kind of fee, but it is usually very small. The fees that Individual investor’s pay is more substantial and can often distort the output of the model.

5) Interest rates remain constant and known

The Black and Scholes model uses the risk-free rate to represent this constant and known rate. In reality there is no such thing as the risk-free rate, but the discount rate on U.S. Government Treasury Bills with 30 days left until maturity is usually used to represent it. During periods of rapidly changing interest rates, these 30 day rates are often subject to change, thereby violating one of the assumptions of the model.

6) Returns are lognormally distributed

This assumption suggests, returns on the underlying stock are normally distributed, which is reasonable for most assets that offer options.

Download:
Black-Scholes Option Pricing Calculator in Microsoft Excel
Author : Marco A.G Dias

In a latter phase when more subscribers are using the system, the operator typically attempts to improve capacity by adding more base stations. The grid of base stations becomes denser and signal-to-noise ratio is no longer limiting the performance. Co-channel and adjacent channel interference become more of concern.

This template allows you to calculate the link budget for a the uplink in a GSM (or GSM-like) network. It’s a simplified GSM link budget system that is developed using Okumura Hata model.

 

The so-called Okumura-Hata curve is an approximation of radio wave propagation characteristics based on aggregated data obtained in actual tests of propagation characteristics between a base station and mobile stations in various areas, such as open land, suburbs, a medium city, and a large city. The electric field intensity for each area is calculated by applying a correction value to the standard field intensity, which is that of an urban area in quasi-smooth terrain.

Although the testing was carried out some time ago, the results are still being used as important basic data for radio wave propagation characteristics. However, since the method of classifying the areas such as urban and suburban is not always clear, differences in the calculated values may arise according to which type of area the local system is assumed to be located. In addition, the data for propagation characteristics is for when the base station antenna is higher than the surrounding buildings, and there are slight differences from the environment of use of specific low power radio equipment. Therefore prudence is required in judging the validity of the calculation result.

Download:
Okumura Hata GSM Link Budget System in Microsoft Excel

Why Build Planning Tools?

• Educate the Investor
• Improve the change of business success
• Increase Economic Development in Rural Areas.
• Fill a need for useful tools

Information is keyto planning a new business and most people start by talking to others in the industry.

Creating a good bottle of wine is both an art and a science—a venture that begins with looking at the Total Wine Package—knowing your goals and understanding what takes place behind the scenes. Once you have identified your goals, plan to spend much of your initial time learning the science of viticulture.

The key to successin developing a winery business in the Midwest is to plan your marketing strategy. How do you distinguish your winery from others? How can you make your winery unique?

This Winery Business Plan has been created by the author to aid in the development of a business plan. This worksheet assumes the user has a good understanding of wine production, marketing, management and accounting principles.

[click on picture to enlarge]

It is used for any size of a winery, the program has flexible options for sources of capital, equipment, marketing, staffing, fixed and variable expenses and sales projections. Income sources are the average price per bottle of wine sold with three options to sell wine; In the Winery, Retail or Wholesale

Author : Craig Tordsen – Iowa State University

Download:
Winery Start-Up Profile and Business Plan Workbook 537kb.

Technorati Tags: Excel Spreadsheet, Financial Plan Spreadsheets, Winery Business Plan, Winery Financial Plan

Well, now you can keep you on track with your daily calorie goals and your protein, carb and fat goals. Make better food choices by tracking your food — you can even plan your meals for the day.

Exactly how much food can you eat each day to maintain your weight? This is the start point for many weight loss programs. Once you determine your daily caloric needs, you can begin to lower calories until fat loss occurs. It’s hardly an exact science – there is no simple formula that takes into account body composition, ethnicity, the thermic affect of nutrients, body surface area, and all the myriad other factors that come together to create your own unique metabolic rate.

Download:
MS Excel Daily Calorie and Fat Percentage Log Template

I hope this could be helpful for you. You might’ve been pretty careful about staying within a range of calories but this Daily Calorie and Fat Percentage Log MS Excel template will give you a more definite number to work with.

A food diary can also help you know if you are getting enough fruits, vegetables, whole grains, healthy proteins each day a food diary can help you keep your carb-fat-protein ratios are in healthy proportions.

Use this Microsoft Word document to record what you eat and when. Most experts say you need to keep your first food diary for at least three consecutive days before you can really get an idea of what your diet is normally like and what your problem areas are. If you have found that you tend to eat in response to emotions, when you are not hungry, please complete the special emotional/binge eaters’ section.

Download
Microsoft Word Food Diary

And you might be interesting in this food diary website.

Use cross-functional flowcharts to show the relationship between a business process and the functional units (such as departments) responsible for that process.

You can present any cross-functional process either vertically or horizontally.

1. Cross-Functional-Horizontal
   In a horizontal layout, bands representing functional units run horizontally across the drawing page, highlighting the process.
2. Cross-Functional-Vertical
   In a vertical layout, bands representing the functional units run vertically from the top to the bottom of the page, highlighting the functional units.

A process can be an enlightening yet shocking experience. Processes typically evolve over time as people and business conditions change. The result is unneeded layers of complexity and inspection. Your first reaction may be, “Is that really what we do?”

Your second reaction will be to fix the process. Here’s a list of what you should look for:

Non-value added steps. Challenge each process step. Ask yourself, “What value does this activity add? Does our customer care?” Combine, simplify or eliminate activities that do not contribute value.

Excessive control points. Inspections and supervisor approvals do not always add value. They evolve primarily due to a lack of confidence in the process. Eliminate control steps that are not critical for quality outcomes.

Excessive handoffs. Every time process activities move from one player to the next, there is potential for delay or miscommunication. Try to organize work so that each player becomes more of a generalist and less of a specialist. This will reduce the complexity of multiple handoffs.

Task specialization. Assembly line processing is giving way to cellular models for organizing work groups or teams, both on the plant floor and administrative offices. Information flows faster, with less distortion, improving both the quality and speed of work. Consolidate tasks where possible.

Download:
msofficetuneup – Visio Cross Functional Flowchart

You might have noticed huge improvements in your physique since you first starting hit the gym, but sometimes it is hard to really know what kind of improvements are being made.

Sure you have increased your weight and or reps per weight but that just does not always cut it for you, right. Don’t you think it would be great if you keep a Fitness & Weight Loss Progress Tracking so can make chart of your progress from day one.

It is important to bring out the journal from time to time only to flip through it to see where you have gotten. It could be one of the biggest workout motivation you ever had.


Everyone is different. But I strongly suggest that every once in a while you reflect. This helps out a lot on days when you just do not have the desire to go to the gym.

If you do not have a journal, then start to make one! You can use the one I have provided here in this post, and support it with the one in my other post.

If you’re tracking your weight with Excel, it’s easy to print your results out with HP toner. In fact, if you print out your spreadsheets frequently, it may be a good idea to buy your Samsung toner or even your Xerox Phaser toner cartridges in bulk online. You’ll save a lot of money!

Download:
Fitness & Weight Loss Progress Tracking with MS Excel 1
Fitness & Weight Loss Progress Tracking with MS Excel 2

FYI, You can leverage your weight loss program with healthy eating and healthy fasting.

Technorati Tags: Weight Loss, Progress Tracking, MS Excel