アメリカの大学生活---日記

ミネソタ州立大学ムーアヘッド校 2015年-2017年の日記

英文メール メモ

Do you have a number in Japan now that I can call you in?

Hi xxx,

 

Good afternoon. I hope you are well.

 

My name is Eimi and I have received your information from Shuhei Kubo. We have some entry level roles from time to time, can you share your English CV with me and do you have time to speak over the phone?

 

Kind regards,

xxx

 

Hi xxx,

I hope this email finds you well.

I wanted to touch base with you to follow up to some recent applications you have made through our website and hear more about your areas of interest.  When would you have time for a quick phone call to discuss further?

Kind regards,

xxx

 

Hi xxx, 

Thanks for getting back to me.

Would you be available for a telephone call tomorrow morning from 9:30am?  What is the best number for me to call you on?

Kind regards, 

xxx

forの使い方

situation - when you are exchange one thing for another use for (used)

ofとはそのものに付随しているもののイメージ

Of---sounds like word belongs to something

 

*The word for fish is_____.

*The word used to say fish is_____.

*The payment for gas is $1000/gal.

*The scales of the fish.

*The fins of the fish.

Finc メモ

Portfolio manager

- 資産運用担当者, Invertorsへの資産管理アドバイザリ−

 資産(mutual fund, 証券、年金基金など)

 

mutual fundとは

- 投資信託のこと。複数の投資家が資金を提供し共同で運用を行う。オープンエンド型投資信託のこと。(オープンエンド型とはいつでも換金可能なこと)

 

Mutual Fundには2種類ある

会社型(Corporate Type)

- 米国では会社型が大半。投資会社の株を買うことで、投資する。

契約型(Trust Type)

- 日本では契約型が大半。信託銀行から受益証券を買う仕組みになっている。(受益証券とは購入した証券のこと)

http://webcache.googleusercontent.com/search?q=cache:pTYjT3La_1kJ:www.ifinance.ne.jp/glossary/fund/fun074.html+&cd=4&hl=ja&ct=clnk&gl=us

 

Proxy Fight

株主総会で前もって、株主が自分たちの票に賛成の株主を集め票を得ようとすること。

 

Primary Market

新規発行の証券が、発行者から直接あるいは仲介を介して、投資家に流れる市場のこと

 

Secondary Market

証券市場から証券を買うこと

 

Agency Problem

CEOとShareholdersの利害が一致しないこと(ShareholdersはCEOの最大の役割がProfitsをあげることが唯一の責任であると考えているため= Shareholder Theory)

 

確認問題1

Agency Conflictを最も引き起こしやすい状況は次のうちどれか?

 

  1. Separating management from ownership
  2. Increasing the size of a firm’s operations
  3. Reducing both management and nonmanagement salaries

.

.

.

.

解答:

A

 

確認問題2

Financial Managentのゴールは次のうちどれを増やすことか?

  1. Number of shares outstanding
  2. Future Value of the firm’s total equity
  3. Current market value per share

.

.

.

.

.

解答:

C

 

確認問題3

Lは200株ニューヨーク証券取引所から購入した。Lのこの行動は次のどの市場で起きたものと言えるか?

  1. Secondary market
  2. Primary market
  3. Dealer market

.

.

.

.

.

解答:

A

 

確認問題4

ManagementのゴールとShareholder Interestをうまく強調させるのに効果的な手段は次のうちどれか?

 

  1. Employee stock options
  2. Threat of a takeover

III. Management bonuses tied to performance goals

  1. Threat of a proxy fight

 

  1. I and III only
  2. I, II, III, and IV
  3. I, III, and IV only

.

.

.

.

.

解答:

B

 

Section 2

問題1

Taxable income           Tax Rate

                 0-50,000            15%

        50,000-75,000            25%

      75,001-100,000            34%

    100,001-335,000            39%

335,000-10,000,000            34%

 

*もしTaxable Incomeが180,000ドルであれば、総額の税金はいくらになるか?

.

.

.

.

.

解答:

                   50,000 x 15% = 7,500

   [75,000 - 50,000] x 25% = 6,250

  [100,000 - 75,000] x 34% = 8,500

[180,000 - 100,000] x 39% = 31,200

= Total Tax

= 53,450ドル

 

*Effective Tax Rateは?

.

.

.

.

.

解答

[Total Tax% / Taxable Income] = 53,450/180,000 = 29.69%

 

*MT Rateは?

.

.

.

.

.

解答

39%

 

問題2

 

I/S

Net Sales

5700

COGS

4090

Depreciation

420

EBIT

1200

Interest paid

31

Taxable Income

1,169

Taxes(35%)

409

Net Income

760

 

B/S

 

Assets

2010

2011

Cash

70

160

A/R

970

830

Inventory

1,550

1,970

Total Current Assets

2,590

2,960

Net Fixed Assets

3,500

3,290

Total Assets

6,090

6,250

 

 

 

2010

2011

Current Liability

1,330

1,220

Long term debt

720

520

Common Stock

3,120

3,330

Ret. Earnings

920

1,180

Total Equity

4,040

4,510

Total Liability & Equity

6,090

6,250

 

 

 

 

 

*企業のOperating Cash Flowは何か?

.

.

.

.

.

解答

EBIT(Earnings before interest and Taxes) + Depreciation - Taxes = 1200 + 420 - 409

= 1,211

 

*2011年度のNet Working Capitalの変化は?

.

.

.

.

.

解答

More recent NWC - Prior NWC = 480

 

*2011年度のNet Capital Spendingは?

Change Net Fixed Assets + depreciation

(3,290 - 3,500) + 420 = 210

 

*2011年のFree Cash Flowは?

FCF = OCF - Change NWC - NCS

       = 1,211 - 480 - 210

       = 521

http://www.findai.com/yogo/0296.htm

 

*2011年度のShareholdersのCash Flowは?

Dividends = NI - (Change Retained Earnings)

                = 760 - (1180 - 920) = 500

Net Share Issuance = Change in Common Stock

                                 = 3,330 - 3,120

                                 = 210

CF to Shareholders = 500 - 210 = 290

 

*2011年度の債権者のCash Flowは?

Interest = 31

Change in LT Debt = 520 - 720 = -200

CF to Creditors = 31 - (-200) = 231

290 + 231 = 521

 

*Net Incomeは Earnings Per Shareでよく表される。

2014年度の期末で200million shares outstandingであった。I/Sからその年のNIは412millionドルでTotal Dividendsは103millionドルであった。200million sharesがoutstandingであれば、EPS、 Dividends per sharesは?

.

.

.

.

.

解答

EPS = NI / Total Shares Outstanding

       = 412 / 200

       = $2.06 per share

Dividends = Total Dividends / Total Shares Outstanding

                = 103 / 200

                = $0.515 per share

 

Non Cash Items

- Depreciationなど

 

Product Costs

- Raw Materials, Direct Labor Expenses, Manufacturing OH. これらのCostはI/SでCOGSとして計上される。

 

Period Costs

- Selling,general, and administrative expenseなど特定の期間に支払うCosts

 

問題5

Cash Flow from Assets

.

.

.

.

.

解答

Cash Flow from Assets

Operating Cash Flow $547

Less: Net Capital Spending $130

Less: Change in NWC 330

Cash Flow from Assets $87

 

*Cash Flow from Assets = Cash Flow to Creditors + Cash Flow to Stockholders

A negative Operating Cash Flow is often a sign of trouble.

Capital Spending = Spent Fixed Assets - Received the sales of Fixed Assets

 

Free Cash Flow = Cash Flow from Assets

 

[NI]

Sales - Total Cost - Depriciation = EBIT

EBIT x Tax% = Tax

EBIT - Tax =NI

 

[OCF]

= EBIT + Depreciation - Taxes

 

[Annual OCF]

step① EBITを出す(Salesはlossを引いたもの)

step②EBI + Depreciation - Taxes

 

問題9

ABC Company:

sales = $51,900

Costs = 38,900

Addition to Retained Earnings = $2,950

Dividends paid = $970

Interest Expense = $1,490

Tax Rate = 30%

 

*How much  the depreciation expense?

[Retained Earnings = NI - Dividends]

Ret. Earnings + Dividends = NI

                                 3,920 = NI

[NI = Taxable income(1 - tax%)]

(NI/70%) = taxable income

(3,920/70%) = taxable income

5,600 = taxable income

EBIT = 5,600 + interest

(EBIT - Int = taxable income)

 

EBIT = 5,600 + 1,490 = 7,090

[EBIT = Sales - Cost - Depriciation]

7,090 = 51,900 - 38,900 - Depriciation

Depreciation expense = 5,910

 

問題6

[Payback period]

 

Year

Cash Flow

0

(120)

1

40

2

35

3

60

.

.

.

.

.

解答

 

Year

Cash Flow

Cumulative

 

0

(120)

(120)

 

1

40

(120) + 40 = (80)

 

2

35

(80) + 35 = (45)

sign change

3

60

(45) + 60 = 25

 

 

Year2 + (45/60) = 2.75

 

Ch13

問題1

Lは130,000株を保有している。(Shares of Stock Outstanding)

株を保有している企業がCashを余分に持っていたので25,000株をRepurchaseすると今朝アナウンスした。

この企業が行ったのは次のうちどのタイプのOfferか?

  1. Private Issue
  2. Targeted Repurchased
  3. Tender Offer

.

.

.

.

.

解答:

  1. Tender Offer

Tender Offer

- 株式公開買付

期間と株価、目標取得株式数を広告し、証券取引所を通さずに不特定多数の株主から、株式の買付を行うこと。

 

Targeted Repurchase

- 企業買収の標的にされている企業は自社のStockをPotential Acquireから(しばしば、Market PriceよりとてもPremiumな価格で)買い戻すことによって敵意のある買収を辞めさせようとする試み。

http://www.investorwords.com/4875/targeted_repurchase.html

 

問題2

ABC CompanyのStockが現在一株19ドルの価値で、この会社は主要な株主に一株25ドルでRepurchaseすることをOfferした。このOfferのタイプは次のうちどれか?

  1. Rights Offer
  2. Tender Offer
  3. Targetd Offer

.

.

.

.

.

解答:

  1. Targeted Offer

 

問題3

”Financial Leverage”に関する正しい文は次のうちどれか?

  1. 企業のEquityが保有している以上に増加する時、いつでも”Finacial Leverage”は増加する。
  2. EBITが比較的低い時、”Leverage”は最も恩恵を受ける。
  3. Investorsは”Homemade Leverage”を使うことで企業の資本構造(Capital Structure)を取り消すことが出来る。

.

.

.

.

.

解答:

C

 

MM理論については、TAC会計学院を参照

 

 

問題4

WACCについて、正しくない文はどれか?

  1. WACCは企業のAsset baseとして同じリスクにある企業の全ての新規プロジェクトに対する適切なdiscount rateである。
  2. 最適なCapital StructureはWACCを最小化することである。
  3. WACCが最小化される時、企業の価値は最大化されるであろう。
  4. 複数の部門を持つ企業をWACCを使って計算することは現実的に不可能である。
  5. discount rateと企業価値は同方向に動いているので、WACCは企業価値を最大化するであろう。

.

.

.

.

.

解答:

D

WACCとは

WACC(%) = Weighted Average Cost of Capital

                 = [D / (D+E)] x rD(1-T) + [E / (D+E)] x rE

 

D = 有利子負債額

E = 株主資本時価

rD = 負債資本コスト(負債利子率)

T = 実効税率

rE = 株主資本コスト(株式の期待収益率)

http://www.darecon.com/tool/DCF2.html

 

問題5

ABC会社はtarget capital structureとして、64%Common Stock、9% preferred stock、27%debt、cost of equityは13.9%、the cost of preferred stockは6.9%、the cost of debtは8.6%、relevant tax rate = 40%だった。

WACC?

.

.

.

.

.

解答

WACC = (stock% x cost%) + [debt% x debtcost% x (1 - tax%)]

           = 64%(13.9%) + 9%(6.9%) + 27%(8.6%)(1 - tax%)

10.91%

 

Prefered Stock

- 決まったDIividendの額が配当される。会社が解散しても債権回収について優先権がある。

 

問題1

2年後に$1,000必要だとすると、2年後に確実に$1,000にするにはどの様に投資していくべきか

.

.

.

.

解答

Present Value = $1,000 / (1 + 0.07)^2

                      = $873.44

 

問題2

$80,000必要。子供を8年間学校に通わせたい。現在$35,000有り。

年利20%稼げる。

.

.

.

.

.

解答

FV = $35,000 x (1,20)^8

    = $150,493.59 > $80,000

 

The minimum rate r:

FV = $35,000 x (1 + r)^8 = 80,000

    r =10.89

 

問題3

50年後にmillionaireとして退職したいと思っている。もし、今日$10,000あるなら、利率はいくら必要か

FV = PV(1 + r)^t

1M = $10,000(1 + r)^50

1M/10,000 = (1 + r)^50

(100)^(1/50) = 1 + r

1.0964 - 1 = r

              r = 9.6%

 

問題4

NPV

Year

Cash Flow

0

-161,000

1

55,000

2

84,000

3

68,000

At required return of 9%

.

.

.

.

.

解答

-161,000 + [55,000/(1 + 9%)] + [8400/(1 + 9%)^2] + [6,800/(1 + 9%)^3]

= 12668.31

 

問題5

[Expected Return for a stock]

 

 

Probability

Return

Return

25%

(-3%)

Normal

60%

4%

Boom

15%

9%

 

Expected Return for a stock = 25%(-3%) + 60%(4%) + 15%(9%)

                                              = 0.03

 

問題6

[Portfolio return]

 

Holidings

Value

Beta

Return

A

4,000

1.20

3.5%

B

6,000

1.10

4%

C

7,000

0.85

9%

 

What is the portfolio weight of stockA?

What is the portfolio Beta?

What is the Expected Return for the portfolio?

 

*the portfolio weight of A:

= 4,000/[4,000 + 6,000 + 7,000]

= 0.235

 

*E(R) = wA(3.5%) + wb(4%) + wC(9%)

 

*Portfolio Beta

= (4,000/17,000) x (1.20) + (6,000/17,000) x (0.85)

= 1.02

 

問題7

 

PV

Annuity Payment

Int. Rate

Years

$

$2,100

8%

7

$

1,095

7%

9

$

11,000

9%

18

$

30,000

11%

28

.

.

.

.

.

解答

PV Annuity = C[1 - 1/(1 + r)^t]/r

  1. = 2,100[1 - 1/(1 + 0.08)^7]/ 0.08

           = $10933.38

  1. 7,134.18
  2. 96,311.88
  3. 2,580.65

 

問題8

ABC会社は7.1%coupon bondsをmaturityまで残り9年のものを持っている。この社債はannual payments。

もし、YTM(Yield to Maturity; 最終利回り)が9.1%なら現在のbond price はいくらか。

.

.

.

.

.

解答

step1

coupon rate (71/1,000) = 7.1%, 1,000株当たりに直す

 

step2

PV Annuity = 71[1 - 1/(1 + 9.1%)^9]/(9.1%)

= $423.94

 

step3

PV = 1,000[1/(1 + 9.1%)^9]

     = $456.64

 

step4

PV Annuity + PV = $880.58

 

問題9

次のABC会社の配当金は一株当たり$2.50とされている。この配当金は5.75%の成長率を期待されている。Stockは現在$一株当たり$48.60で売りに出ている。

 

*dividend yield?

配当利回り

 

= Future/Present

= (2.50/48.60 per share)

= 5.14%

 

*capital gains yield 証券などの価格の値上がり

5.75%

英語学習リンク 整理未だ 後でまとめる

[自分の部屋で問題が起きた、トイレに問題が起きて管理会社に電話する]

Hello, I am Kevin. I am living in ABC apartment.

I am calling to ask for repairing a toilet in my room; the toilet does not come water. [or the toilet dose not flush.]

Could you come to my room to fix the toilet?

 

[1ドルを25セントに両替する]

Can you exchange quarters with one dollar bill?

 

[Cancellation request]

Kristie: Hi, I'm Kristie. I'd be more than happy to assist you.

Please allow me a moment to locate your account and see what I can do to help with your cancellation request Gomez

 

We have confirmed that your Quarterly membership has been cancelled and you will not be billed again next quarter. Your account will revert to a free Basic account once your membership expires on 08/02/17.

Is there anything else I can assist you with at this time?

 

[Use a pohone]

Please refrain from talking on the phone.

*on the phoneを使う

 

Could you connect Mr. Yamada. / Yamadaさんに変わってくれますか?

Please just a moment. / 少々お待ちください。

 

要件が終わったら

bye

or

sounds good, see you soon etc.

 

 

[Call to a taxi]

When I call for pickup service, I always say something like - "I would like to request a pickup at the McDonald's at 7th Street and Western Ave." or, "I would like to request a pickup. The address is #### Western Ave. near 7th St., in Koreatown". The exact address is best.

 

[call a phone]

http://www.berlitz-blog.com/telephone-reception

 

[Useful Phrase]

Everything sounds good! It looks like u hit all the major points of your resume.

 

[What is the difference between bolster and support?]

Bolster example sentence: "Using cats in our advertisements will bolster sales." Bolster basically means to strengthen or boost.

 

Support example sentence: "Please support my business by telling people about it." Or, "I am
sad and could really use support right now." Support basically means to help or assist, or to hold something up as in, "this chair should support my weight."

https://hinative.com/ja/questions/113853

 

[know the slang phrases]

http://engslang.blogspot.com/2009/09/scum.html

 

[日本人が知っておくと面白い汚い言葉]

https://matome.naver.jp/odai/2140797737136969101?page=2

 

[Fu☆K フレーズ集]

*追記

学校ではFucked upがよく使われていた。意味はもうダメだ。

http://english-talk-with.me/slang-fuck/

 

[擬音]

http://d.hatena.ne.jp/rhb/20120606/p1

 

 

 

[Learn the phrases to start talking with women]

http://english-talk-with.me/seduce-english/

 

 

 

[lean from Snoopy]

http://english-talk-with.me/snoopy-quotes/

 

[Learn the small talks]

http://english-talk-with.me/smalltalk/

*このフレーズを言い終えてからが間が持たないですけどね。

追加

How long have you been working here? (ここで働き始めてどのくらいになりますか?)

I can’t believe how hot/cold it is today! (今日はなんて暑い/寒いんだろう!)

Let’s get a coffee sometime.(今度お茶しましょう)

Let’s grab lunch. (お昼を食べに行きましょう)

I know a good place nearby. (近くにお勧めの場所を知っているよ。)

Want to order out? (宅配にする?)

I’ll have the same/I’ll have what (s)he’s having.  飲食店で同僚と同じものを頼みたいときに使いましょう。

 

[By or Until]

http://www.daijob.com/skillup/businessenglish/20150428.html

 

[曖昧を表現したい]

http://eigo.tra-ct.com/%E3%80%8E%E6%9B%96%E6%98%A7%E3%80%8F%E3%81%A3%E3%81%A6%E8%8B%B1%E8%AA%9E%E3%81%A7%E3%81%AA%E3%82%93%E3%81%A6%E3%81%84%E3%81%86%E3%81%AE%EF%BC%9F/

(Hapa英会話-60】無視できないっ!ミレニアルズの流行語) https://www.youtube.com/watch?v=-P2XKN5Fq3o

 

Hapa英会話-57】「Do you」と「Did you」は、用法次第でニュアンスが変わる?) https://www.youtube.com/watch?v=GOiOP8ZSWMw

 

Hapa英会話-75】問題の深刻度によって使い分ける「悩む」や「迷う」の英語) https://www.youtube.com/watch?v=Zpx8pwtnUdI

 

Hapa英会話-74】「〜した方がいい」を英語で言う際に「Should」しか使ってない人へ) https://www.youtube.com/watch?v=PR8ZG5Oz-IM

 

Hapa英会話-65】「〜してもらう」のか?「〜させる」のか?用法を気を付けたい“使役動詞”) https://www.youtube.com/watch?v=drwbB34f6fs

 

(Literally) https://www.youtube.com/watch?v=whYHx-WywYI

 

(Bring & Take) https://www.youtube.com/watch?v=joJUoQWeFXM

 

(covertly こっそり)

 

(計算高い) http://eikaiwa.dmm.com/uknow/questions/14375/

 

(麺が伸びる) http://eikaiwa.dmm.com/uknow/questions/14353/

 

(テスト範囲どこ?) http://eikaiwa.dmm.com/uknow/questions/3281/

 

(約束がかぶった!予定がある) http://maji-eigo.jp/ordinary-conversation/turning-down/

http://blog.goo.ne.jp/johnkazue/e/9b805cb8820819a322300e20a67ed9af

 

his document is eligible to me. / よみづらい

 

(何か新しいことあった?) anything new?

What’s new?

 

Methods that is used to trick someone into divulging personal information. / 秘密を〉〔…に〕漏らす

(vice versa = 逆も然り) http://www.eigowithluke.com/2012/03/vice-versa/

On the flipside = 一方で...(tax class)

 

(Finc) You want to buy the car in 9 years on the day you turn 30. / 30歳になる9年後に車を買いたい。

 

How do we know? Read on /読み続けて...

(私用のため) I could not attend it due to circumstances.

Put up/指し出す

(Class in Finc) How much do you have to put up today?

You are considering a one-year investment. If you put up $1,250, you will get back $1350. / $1350戻ってくる

 

Are you done with the project? / Project終わった?

 

(元日本代表) http://eikaiwa.dmm.com/uknow/questions/2978/

 

(on fire 神ってる) http://eikaiwa.dmm.com/uknow/questions/3380/

 

(barker) http://eikaiwa.dmm.com/uknow/questions/1364/

(tantalize, teasing) http://eikaiwa.dmm.com/uknow/questions/7654/

(distorted views) http://eikaiwa.dmm.com/uknow/questions/3785/

 

(蛇口をひねる) http://eikaiwa.dmm.com/uknow/questions/3639/

 

(groper)http://eikaiwa.dmm.com/uknow/questions/1620/

(grit 気が強い) http://eikaiwa.dmm.com/uknow/questions/5788/

(鉄板ネタ fail proof joke) http://eikaiwa.dmm.com/uknow/questions/2998/

 

(face up/down) http://eikaiwa.dmm.com/uknow/questions/5088/

(take extraction 抜歯) http://eikaiwa.dmm.com/uknow/questions/3395/

 

(強引に) http://eikaiwa.dmm.com/uknow/questions/3243/

(悪口) http://eikaiwa.dmm.com/uknow/questions/2722/

(寝癖)http://eikaiwa.dmm.com/uknow/questions/4282/

(歯矯正) http://eikaiwa.dmm.com/uknow/questions/4782/

 

(you look tanned)http://eikaiwa.dmm.com/uknow/questions/568/

(manual labor) http://eikaiwa.dmm.com/uknow/questions/3267/

(Iguru) http://eikaiwa.dmm.com/uknow/questions/4176/

(so mean to me) http://eikaiwa.dmm.com/uknow/questions/6726/

 

(電車get on, get off) http://eikaiwa.dmm.com/uknow/questions/154/

(modest character 控えめな性格) http://eikaiwa.dmm.com/uknow/questions/3692/

(sudden rain fall) http://eikaiwa.dmm.com/uknow/questions/1655/

 

(Gyaru) http://eikaiwa.dmm.com/uknow/questions/4261/

(work efficiency) http://eikaiwa.dmm.com/uknow/questions/6883/

(that is exactly what I thought.) http://eikaiwa.dmm.com/uknow/questions/3817/

(this is not what i had in mind) http://eikaiwa.dmm.com/uknow/questions/4621/

 

(pulled muscle 肉離れ) http://eikaiwa.dmm.com/uknow/questions/2220/

(mold) http://eikaiwa.dmm.com/uknow/questions/2700/

(day night reveasal) http://eikaiwa.dmm.com/uknow/questions/1975/

(catch up to you 追いつく) http://eikaiwa.dmm.com/uknow/questions/576/

 

(open 365 days a year, 7 days a week) http://eikaiwa.dmm.com/uknow/questions/2682/

(zipper is undone)http://eikaiwa.dmm.com/uknow/questions/159/

(That's a bit iffy 返答出来ない) http://eikaiwa.dmm.com/uknow/questions/178/

 

(おまけ) http://eikaiwa.dmm.com/uknow/questions/1716/

(be spoiled as 甘やか) http://eikaiwa.dmm.com/uknow/questions/12972/

(wipe off) http://eikaiwa.dmm.com/uknow/questions/3840/

(glean) http://applecheese.blog58.fc2.com/blog-entry-715.html

(bizzarre) http://www.tsukaueigo.com/archives/bizarre.html

(えこひいき) http://eikaiwa.dmm.com/uknow/questions/1028/

She was determined to make a go of it. / 何とかやっていけるとわかった。

 

(we sat in the front row. 最前列に) http://www.ncc-g.com/site/survivalenglish/cinema.html

 

(sort out into) http://eikaiwa.dmm.com/uknow/questions/1605/

 

(into, hocked) http://eikaiwa.dmm.com/uknow/questions/1126/

(turnstile) http://eikaiwa.dmm.com/uknow/questions/2967/

 

(freaking me out) http://eikaiwa.dmm.com/uknow/questions/3631/

(a mob of people) http://eikaiwa.dmm.com/uknow/questions/4259/

 

(healed) http://eikaiwa.dmm.com/uknow/questions/2802/

(between the lines) http://eikaiwa.dmm.com/uknow/questions/1808/

 

(slept in) http://eikaiwa.dmm.com/uknow/questions/602/

 

 

(get along with) http://eikaiwa.dmm.com/uknow/questions/878/

 

(compensatory day off) http://eikaiwa.dmm.com/uknow/questions/1789/

 

(diversion) http://eikaiwa.dmm.com/uknow/questions/2083/

 

(all the thums) http://eikaiwa.dmm.com/uknow/questions/4857/

 

(in knots) http://eikaiwa.dmm.com/uknow/questions/1646/

(works a schedule) http://eikaiwa.dmm.com/uknow/questions/442/

(vibe) http://eikaiwa.dmm.com/uknow/questions/1366/

 

(鼻の穴 nostrils) http://eikaiwa.dmm.com/uknow/questions/12539/

 

​(小腹空いた) https://hinative.com/ja/questions/72104

I'm feeling a little hungry.

I'm a bit hungry.

My tummy wants some yummy. (幼児言葉)

(褒める) http://blog.iknow.jp/posts/2449

http://kiwi-english.net/1397

(You have a nice figure スタイルがいい) http://news.mynavi.jp/news/2013/04/26/139/

(I call back you in two days) http://news.mynavi.jp/news/2013/04/22/196/

 

(濃い顔 セイン) http://eikaiwa.dmm.com/uknow/questions/1710/

 

(鼻むずむず) http://eikaiwa.dmm.com/uknow/questions/1209/

http://eikaiwa.dmm.com/uknow/questions/12434/

(ナンパ) http://eikaiwa.dmm.com/uknow/questions/1619/

(折り紙)http://eikaiwa.dmm.com/uknow/questions/12455/

(穴あき靴下) http://eikaiwa.dmm.com/uknow/questions/12445/

(夜寝れた?) http://eikaiwa.dmm.com/uknow/questions/2750/

 

(ちょっとまって準備中) http://eikaiwa.dmm.com/uknow/questions/2442/

(だらだらする) http://eikaiwa.dmm.com/uknow/questions/629/

(観覧車) http://eikaiwa.dmm.com/uknow/questions/4811/

(雰囲気 vibe) http://eikaiwa.dmm.com/uknow/questions/1366/

(心に響く) http://eikaiwa.dmm.com/uknow/questions/2048/

(楽しかった) http://eikaiwa.dmm.com/uknow/questions/2724/

(right on shcdule)http://eikaiwa.dmm.com/uknow/questions/1902/

(恩返し) http://eikaiwa.dmm.com/uknow/questions/1021/

 

(細かいこと) http://eikaiwa.dmm.com/uknow/questions/1004/

(てっきり思い込む) http://eikaiwa.dmm.com/uknow/questions/882/

(反省を活かす) http://eikaiwa.dmm.com/uknow/questions/2338/

(治安) http://eikaiwa.dmm.com/uknow/questions/5247/

(大人っぽい) http://eikaiwa.dmm.com/uknow/questions/396/

(今更聞くけど) http://eikaiwa.dmm.com/uknow/questions/4554/

(運命) http://eikaiwa.dmm.com/uknow/questions/1766/

(落し物) http://eikaiwa.dmm.com/uknow/questions/3052/

 

(気分上げる)http://eikaiwa.dmm.com/uknow/questions/5465/

(モテそう) http://eikaiwa.dmm.com/uknow/questions/338/

(バタバタ) http://eikaiwa.dmm.com/uknow/questions/675/

(罰ゲーム) http://eikaiwa.dmm.com/uknow/questions/2491/

(ガムテープ) http://eikaiwa.dmm.com/uknow/questions/575/

(お守り) http://eikaiwa.dmm.com/uknow/questions/2611/

(よく言われる) http://eikaiwa.dmm.com/uknow/questions/191/

 

staffed anaimals) http://eikaiwa.dmm.com/uknow/questions/2863/

(get used to) http://eikaiwa.dmm.com/uknow/questions/2210/

(meet up at Shibuya) http://eikaiwa.dmm.com/uknow/questions/3084/

(焦る) http://eikaiwa.dmm.com/uknow/questions/4836/

(ミーハー) http://eikaiwa.dmm.com/uknow/questions/555/

 

(なんて日だ) http://eikaiwa.dmm.com/uknow/questions/2287/

(かわいい子) http://eikaiwa.dmm.com/uknow/questions/2489/

(環境を変える) http://eikaiwa.dmm.com/uknow/questions/2344/

(このやろう)http://eikaiwa.dmm.com/uknow/questions/1819/

(come to me こっちに来て) http://eikaiwa.dmm.com/uknow/questions/1857/

(ついてない) http://eikaiwa.dmm.com/uknow/questions/190/

 

(会話広げる) http://www.berlitz-blog.com/question

(Small Talk) http://tsubasakaiser.com/english/2470/

(力を入れる) http://eikaiwa.dmm.com/uknow/questions/1705/

(初耳) http://eikaiwa.dmm.com/uknow/questions/4173/

(waiters) http://eikaiwa.dmm.com/uknow/questions/4337/

(渋い趣味 very cultured) http://eikaiwa.dmm.com/uknow/questions/2484/

(大きくなったね) http://eikaiwa.dmm.com/uknow/questions/5533/

 

(インドア派) http://eikaiwa.dmm.com/uknow/questions/961/

(どっか行け) http://eikaiwa.dmm.com/uknow/questions/69/

(バッテリー切れ about to die) http://eikaiwa.dmm.com/uknow/questions/69/

(あっという間 time flew) http://eikaiwa.dmm.com/uknow/questions/802/

(声出ない) http://eikaiwa.dmm.com/uknow/questions/663/

(しいて言えば) http://eikaiwa.dmm.com/uknow/questions/3709/

(burp) http://eikaiwa.dmm.com/uknow/questions/1913/

(No littering) http://eikaiwa.dmm.com/uknow/questions/1934/

 

(いい事あった?) http://eikaiwa.dmm.com/uknow/questions/128/

(最高) http://eikaiwa.dmm.com/uknow/questions/420/

(重視する)http://eikaiwa.dmm.com/uknow/questions/2827/

(絵に描いたような セイン) http://eikaiwa.dmm.com/uknow/questions/1687/

(親孝行) http://eikaiwa.dmm.com/uknow/questions/5200/

(口癖)http://eikaiwa.dmm.com/uknow/questions/2465/

 

(強風) http://eikaiwa.dmm.com/uknow/questions/4058/

(しつこい) http://eikaiwa.dmm.com/uknow/questions/1858/

(空気を読む)http://eikaiwa.dmm.com/uknow/questions/212/

(電波 reception)http://eikaiwa.dmm.com/uknow/questions/1685/

(気まずい awkward) http://eikaiwa.dmm.com/uknow/questions/3204/

 

(間食する) http://eikaiwa.dmm.com/uknow/questions/6507/

I snack foods between meal.

 

You're part timer is dextereous. / とても器用だね

(Hapa コクがある) http://hapaeikaiwa.com/2016/02/09/%E8%8B%B1%E8%AA%9E%E3%81%A7%E3%80%8C%E3%81%82%E3%81%A3%E3%81%95%E3%82%8A%E5%91%B3%E3%80%8D%E3%81%A8%E3%80%8C%E3%81%93%E3%81%A3%E3%81%A6%E3%82%8A%E5%91%B3%E3%80%8D/

 

(maybe you say maybe too often)http://toyokeizai.net/articles/-/71319?page=4

 

(脱毛) http://listn.me/20150128/1150/?ref=related

(遠恋) http://listn.me/20150106/893/?ref=related

 

(5月病)http://listn.me/20150518/2633/?ref=related

(イケメン) http://listn.me/20150617/4067/?ref=related

(ladyFirst) http://listn.me/20150703/4676/?ref=related

 

(就活) http://listn.me/20141209/432/?ref=related

 

(異性友人)http://listn.me/20150803/5635/

(英語失恋)http://listn.me/20150924/6273/?ref=related

 

(冒頭のみ英語シャツ) http://listn.me/20150709/4962/?ref=related

 

(stuck in, Luke)http://www.eigowithluke.com/2011/02/english-thanks/

 

Eye candy 目の保養

 

http://www.caimedia.jp/experiences/

http://phil-portal.com/english-listening/

http://phil-portal.com/useful-short-phrase/

http://mysuki.jp/english-slang-3833

http://phil-portal.com/useful-english-phrases/

 

 

https://american-phrases.blogspot.com/

 

http://phil-portal.com/english-expression/

http://phil-portal.com/useful-slangs/

 

Fuck

http://phil-portal.com/slang-fuck/

 

http://josei-bigaku.jp/eigo0902/

https://www.koieigo.com/354.html

https://www.koieigo.com/433.html

 

 

Recommend Music

http://phil-portal.com/study-english-foreign-music/

 

Listneing

http://phil-portal.com/youtube-study-english/

 

(野球用語) https://books.google.com/books?id=hcecBgAAQBAJ&pg=PT41&lpg=PT41&dq=%E5%88%87%E3%82%8C%E3%81%AE%E3%81%82%E3%82%8B%E5%8B%95%E3%81%8D%E3%80%80%E8%8B%B1%E8%AA%9E&source=bl&ots=u4gnkkfugK&sig=yS7CxMY1WZjwGY1SqNDWk0t4hOo&hl=ja&sa=X&ved=0ahUKEwjUofLetuXOAhVCqB4KHWhTBGo4FBDoAQhDMAY#v=onepage&q=%E5%88%87%E3%82%8C%E3%81%AE%E3%81%82%E3%82%8B%E5%8B%95%E3%81%8D%E3%80%80%E8%8B%B1%E8%AA%9E&f=false

 

 

 

マクロ&マイクロ経済 メモ

[Macro Econ]

 

http://keizaigaku.jp/macro/

問題1

Mixed Economyとよばれる理由は?

  1. 輸入と同様に国内で生産した商品を消費するから
  2. 商品、サービス両方を消費するから
  3. private sectorとpublic sectorがあるから

.

.

.

.

.

解答

C

問題2

自由市場経済システムの特徴でないものは?

  1. competition
  2. government planning and regulation
  3. the invisible hand
  4. the price mechanism

.

.

.

.

.

解答

B

 

問題3

Adam Smithはpublic interestが...することが最も良いやり方だと思っている。

  1. 政府にもっと商品、サービスを生産させる
  2. 人々に彼ら自身のselfish interestを追わせること

.

.

.

.

.

解答

B

 

問題4

自由経済システム(A free market economic system)は...に関してとても良い働きをする。

  1. both equity and efficiency
  2. efficiency, but not equity

.

.

.

.

.

解答

B

 

問題5

正しい文はどれか?

  1. No country could be classified as having a communist economic system
  2. It could be argued that every nation has a mixed economy

.

.

.

.

.

解答

B

 

問題6

Adam Smith believed people are guided by all of the following except:

  1. the profit motive
  2. self interest
  3. the public good
  4. the invisible hand

.

.

.

.

.

解答

C

 

問題7

The price system is based on

  1. government regulation
  2. the interaction of the forces of supply and demand

.

.

.

.

.

解答

B

 

問題8

In the U.S, nearly all resources are owned by

  1. the government
  2. business firms
  3. individuals
  4. foreigners

.

.

.

.

.

解答

C

 

問題9

In the circular flow model, wages, rent, interest, and profits flow from

  1. business firms to households
  2. households to business firms

.

.

.

.

.

解答

A

 

問題10

In the circular flow model, land, labor, capital, and entrepreneurial ability flow from

  1. business firms to households
  2. households to business firms

.

.

.

.

.

解答

B

 

問題11

経済的機能で適切な流れを現しているものは?

  1. Spending, wants and needs, production, income
  2. Wants and needs, production, income, spending
  3. Production, income, spending, wants and needs
  4. Income, spending, wants and needs, production

.

.

.

.

.

解答

C

 

問題12

次のどれが自由経済システムのpotential failureか?

  1. The breakdown of competitive markets
  2. The failure of the market system to deal with equity
  3. The failure of the market system to address externalities
  4. The failure of the market system to provide public goods
  5. All of the above

.

.

.

.

.

解答

E

 

問題13

Federal tax revenueの最も大きな財源は

  1. personal income tax
  2. corporate income tax
  3. national sales tax

.

.

.

.

.

解答

A

 

問題14

最も重要なlocal tax revenueの財源は

  1. Property
  2. Income
  3. Excise
  4. Sales

.

.

.

.

.

解答

A

 

問題15

次のうち投資でないものは?

  1. 100株購入
  2. 新工場の建設

C.新しい配達トラックの購入

  1. resale用の在庫を購入

.

.

.

.

.

解答

A

 

問題16

アメリカは他国と比べて税金負担感は

  1. より高い税率
  2. いくらか高い税率
  3. それほど高くない

.

.

.

.

.

解答

C

 

問題17

Gross investmentとは

  1. + depreciation = net investment
  2. - depreciation = net investment

.

.

.

.

.

解答

B

 

問題18

ABC大学の授業料が上がって、他の料金が変わらない時、“low of demand”が示すことは

  1. ABC大学の授業のdemandは下がる
  2. demandされているクラスのquantityはABC大学で下がるだろう

.

.

.

.

.

解答

B

 

問題19

In the market for web design services, an increase in the number of people with web designing skills will increase

  1. An increase in the equilibrium price and a decrease in the equilibrium
  2. A decrease in the equilibrium price and an increase in the equilibrium quantity

.

.

.

.

.

解答

B

 

問題20

もしタコスを作るために使うレタスの価格が上がったら、タコスのequilibrium priceは...そしてequilibrium quantityは...

  1. rises, increases
  2. rises, decreases

.

.

.

.

.

解答

B

 

問題21

世界の最も大きな輸出国は

  1. Japan
  2. The U.K
  3. U.S. and Germany

.

.

.

.

.

解答

C

 

問題22

The trading block that has come closest to eliminating all internal tariffs is

  1. the European Union
  2. NAFTA
  3. Mercosur
  4. The World Trade Organization

.

.

.

.

.

解答

C

 

問題23

Which of the following is a tool of fiscal policy?

  1. Government purchases of goods and services
  2. Taxation
  3. Transfer Payments
  4. All of the above

.

.

.

.

.

解答

D

 

問題24

If the economy is at equilibrium at less than full employment, fiscal policy would dictate that

  1. government should increase taxes and decrease total spending
  2. government should reduce income transfers
  3. government should provide some sort of fiscal stimulus
  4. government should initiate fiscal restraint

.

.

.

.

.

解答

C

 

問題25

Assume the economy is operating at $100 bilion less than full employment equilibrium. If the macro MPC is 0.80, how much will the government have to increase purchases of goods and services to bring the economy to full employment?

  1. $5 bilion
  2. $20billion
  3. $40 billion

.

.

.

.

.

解答

B

 

問題26

政府が...する時”Crouding Out”が起きる

  1. increases taxes, thus causing a decrease in consumption  
  2. issues debt, thus making it more difficult for the private sector to issue debt

.

.

.

.

.

解答

B

 

問題27

fiscal policyに不可欠なものは...を含む

  1. determining how much aggregate demand needs to be increased or reduced
  2. understanding of the impact of the MPC and the multiplier
  3. Selecting the appropriate policy tools needed to induced the required increase or reduction
  4. All of the above

.

.

.

.

.

解答

D

 

問題28

fiscal policyの意思決定を伴う議論の領域はどれか

  1. Size of government
  2. Temporary or [ermanent spending
  3. Sector impact
  4. All of the above

.

.

.

.

.

解答

D

 

問題29

Fiscal policyとMonetary policyは

  1. different means used to attain different goals
  2. different means used to attain the same goals

.

.

.

.

.

解答

B

問題30

Automatic stabilizerでないものは次のうちどれか

  1. unemployment compensation
  2. direct taxes
  3. welfare payments
  4. Social Security Benefits

.

.

.

.

.

解答

D

 

問題31

Autimatic stabilizerは...する傾向にある。

  1. help smooth out the business
  2. make the business cycle worse

.

.

.

.

解答

B

 

問題32

Price levelの変化によって調節されるGDPは

  1. real GDP
  2. nominal GDP

.

.

.

.

.

解答

A

 

問題33

もし消費者が追加で受け取った収入の中から90セント支出するなら

  1. The APS is 0.90
  2. The MPC is 0.90
  3. The MPS is 0.10
  4. Both C and D

.

.

.

.

.

解答

D

 

問題34

MPC(Marginal Propensity to Consume)とは

  1. average consumption per dollar of income
  2. additional consumption because of additional income

.

.

.

.

.

解答

B

 

問題35

次のうち間違っているものはどれか

  1. MPC + MPS =1
  2. APC + APS =1
  3. MPS = MPC + 1
  4. 1 - APS = APC
  5. 1 - MPC =- MPS

.

.

.

.

.

解答

C

 

問題36

市場経済の価格は...がbaseになる

  1. government regulation
  2. the interaction of suply and demand

.

.

.

.

.

解答

B

 

問題37

Real GDPとは...の変化を測定するもの

  1. Prices
  2. Wages
  3. Production

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解答

C

 

問題38

GDPの消費者部門について正しいもの

  1. The consumer sector is the largest sector of GDP
  2. The consumer sector maintains the economy
  3. The consumer sector cannot on its own generate economic growth
  4. All of the above

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解答

D

 

問題39

GDPの国際的な比較は難しい...のため

  1. differentcountries use different national income accounting methd
  2. changing currency exchange rates may hide real differences in the GDP of different nations
  3. data provided by other countries just may not be reliable
  4. All of the above

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解答

D

 

問題40

国の社会的安定は

  1. is best measured by per captia GDP
  2. always increases when real GDP increases

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解答

A

 

機会があれば、経済学者の本を読む  

John Stuart Mills, Adam Smithなど

なぜGDP?

Law of Supply, Law of Demandについて

 

[Micro Econ]

問題1

土地は...で最も効率的に使用される

  1. cities
  2. suburban areas
  3. rural areas
  4. industrial areas

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解答

A

 

問題2

特定の市場の労働者のdemandは

  1. the sum of all the individual labor supply curves
  2. the sum of all the firms’ MRP curves
  3. the sum of all the individual labor supply curves and all the firms’ MRP curves

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解答

B

 

問題3

特定の部分的土地に支払われる家賃は,,,に基づく

  1. the supply of the land
  2. the buildings located on that land
  3. the MRP schedule of the highest bidder

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解答

C

 

問題4

土地の供給は...である

  1. perfectly elastic
  2. relatively elastic

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解答

B

 

問題5

もし最低賃金が廃止されたら、marginal workersに対する賃金率は...だろう

  1. fall and the employment rate will fall
  2. fall and the employment rate will rise

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.

.

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解答

B

 

問題6

最後に雇用された労働者の(MRP)が賃金よりも低かった場合、企業は...をする

  1. hired too many workers
  2. hired too few workers

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解答

A

 

問題7

労働者の生産性をあげるのに最も効果的なやり方は...である

  1. increase capital
  2. increase labor
  3. lower capital

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解答

A

 

問題8

marginal landにある賃料は...である

  1. very high
  2. above zeo
  3. zero

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解答

C

 

問題9

自動化は雇用のレベルを上げるだろう、もし...であれば。

  1. out put effect is equal to the substitution effect
  2. output effect is less than the substitution effect
  3. substitution effect is greater than the output effect
  4. output effect is greater than the substitution effect

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解答

D

 

問題10

自動化は雇用のレベルを下げるだろう、もし...であれば。

  1. substitution effect of automation is greater than the output effect
  2. substitution effect of automation is automation is equal to output effect

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解答

A

 

問題11

土地の供給は..

  1. is fixed
  2. varies from time to time
  3. rises with demand

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.

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.

解答

A

 

問題12

医師は他の専門職の人達よりも稼ぐことが出来る。なぜなら

  1. they need to be compensated for all those years they spent in school
  2. they are in short supply relative to the demand for their services
  3. it costs a lot more to be a doctor...office expenses, support staff, and malpractice insurance...than it does to be in almost any other profession

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解答

B

 

問題13

Marginal Cost...として定義される

  1. the change in average total cost that results from producing one more unit of output
  2. the change in total cost that results from producing one more unit of output

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解答

B

 

問題14

Total utilityが増加している限り、marginal utilityは...だとわかる

  1. positive
  2. decreasing
  3. increasing

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解答

A

 

問題15

商品の価格が下がる時、

  1. the consumer surplus rises
  2. the consumer surplus falls

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.

.

.

解答

A

 

問題16

Ptice Gouging唯一起こる...の時

  1. there is a natural disaster
  2. buyers are poorly informed about market conditions
  3. some buyers are willing to pay the asking price, however high

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.

.

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解答

C

 

問題17

Price = $14, Quantity = 1, Marginal Utility = ?, Total Utility = ?

Price = $12, Quantity = 2, Marginal Utility = ?, Total Utility = ?

Price = $10, Quantity = 3, Marginal Utility = ?, Total Utility = ?

.

.

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.

解答

MU = 14, TU = 14

MU = 12, TU = 26

MU = 10, TU = 36

 

問題18

完全競争のrequirementは

  1. many firms sell an identical product to many buyers
  2. there are no restrictions on entry into the market, and established firms have no advantage over new firms
  3. sellers and buyers are well informed about prices
  4. All of the above

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解答

D

 

問題19

完全競争企業はprice takerである。なぜなら

  1. many other firms produce the same product
  2. only one firm produces the product
  3. many firms produce a slightly differentiated product

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解答

A

 

問題20

完全競争時のdemand curveは

  1. horizontal
  2. vertical

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解答

A

 

 

経理職は、予算組み、資金繰りが必要だそうで

 

www.youtube.com

 

www.youtube.com

 

試算表の計画分配例

売上100%→売上原価40%→売上総利益→分配→人件費50%

(5,000万円)   (2,000万円)  (3,000万円)     営業経費30%

                             売上総利益(粗利)60%       利益20% (40%あった方が良い)

        (3,000万円)