I work with teenagers from all socio economic backgrounds who …

Comment on Town Sports International Holdings, Inc. Promotes Daniel Gallagher To President And Chief Operating Officer by Staff.

I work with teenagers from all socio economic backgrounds who have trouble deciding what they want to do.

Firstly let me say that to expect you to know what you want to do with the rest of your life at the age of 18 is a little bit ludicrous.Most 18 year olds dont know what they want to on the weekend let alone for the next 50 years.

So here is my advice to you. Whatever you start… finish. Its highly unlikely you will work in the same field for the rest of your life anyway, but a resume full of ventures begun and never completed is just not helpful to you.Go and do your finance degree perhaps you can do some electives that relate it to sports and recreation so you can combine it somehow in the future with the things you love. Dont worry whether you will like the course of not. Finance is a great course to do because it is so general and relates to ALL businesses.

The ski instructor job.. put on hold. Also turning your loved hobby into a job, isnt always the best move. If you have to do it day in and day out with people who annoy you, you might find the hobby isnt so much fun anymore.

I know a man here in Australia who wanted to be a professional surfer, he wasnt quite good enough but it was his passion. He went and studied medicine and for the last 20 years he works 6 months of the year as a doctor and travels the world surfing the other 6. He decided to use his occupation to give him the freedom to do his hobby/passion as much as he can.

And in reality a job is just that…. a means to an end. Its a way to make money to live the life you want to live…. a job isnt your life!!So, a smart move would be to go and study the thing you are capable of that will give you the most money and freedom to be choosey later. It also means that you will have the money to go back and study something else later if you find something you prefer in say, 10 years.

As for your extreme shyness. Seriously, there isnt a person on the planet who doesnt have insecurities. The biggest harm we do to ourselves is worry about how others see us, or that we might make a fool of ourselves. The truth is that everyone is so worried about themselves they would only notice you messing up for a very short time. A great way to dissipate your shyness is to divert attention away from yourself. And its as simple as showing genuine interest in other people. Ask them questions about their life that you want to know about and then sit back and they will talk and talk and talk.The spotlight will miraculously be off you.

Now, get out there and live…. the more you challenge yourself the less frightening it will be. And whats the worst that can happen. Someone laughing at you? BIG DEAL! You will still be here,alive and kicking, and if they keep laughing it really just shows that they themselves are not very nice people and are trying to deflect attention away from themselves and their own issues.

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Town Sports International Holdings, Inc. Promotes Daniel Gallagher To President And Chief Operating Officer
There really is no right or wrong answer to this. You will have to decide what works best for your family yourself. There are all kind of introductory classes that start as early as 2 that aren’t exactly true lessons they are more about exploring the sports.

My youngest daughter started swim and tumbling at 2 and dance at around 3.

The YMCA, YWCA, local recreation center may offer “Tiny Tots” classes. The same places are also good bets for older kids too. Here our city leagues advertise in the newspaper and send home notices through the schools when it is time to enroll.

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First note that you are given the forex rates in “indirect” form. Indirect quotes tell you the number of foreign units it takes to buy 1 unit of domestic currency (your domestic currency is the US dollar). So, using the spot rate, it takes £0.5267 to buy $1. The reciprocal ( 1 / the indirect rate) will give you a “direct” quote, the number of domestic currency units (here, dollars) to buy one unit of foreign currency (here, the £). Thus, 1 / 0.5267 = 1.8961. This means £1 = (buys) $1.8961.

Looking at the spot and forward rates….
0.5267 …0.5283…0.5299…0.5315
you see the number increasing over time…this means it takes more £s to buy dollars in the future. That means the £ is expected to weaken against the dollar in the future.
Another way to look at it is to look at the reciprocals of the spot and forward rates. 1 / the indirect quote…
Examining these rates, you’ll see that in the future the £ is worth fewer dollars. Again, this shows the £ is weakening against the dollar.

So, the answer to #1 is the £ is selling at a discount in the forward market. (It costs less, in terms of dollars, in the future, than it costs today, at the spot rate.)

#2) There are two ways to go about calculating the answer. The fastest way is to do it this way: Since the indirect quote is expressed as £/$ = 0.5267, then £450,000/0.5267 = $854,376 (I drop the cents since your answer options drop them). You’ll see that this is the same as inverting the £0.5267/$1 to 1 / 0.5267 and multiplying by 450,000…so you have 450,000/0.5267 = $854,376. The other way, is really another way to invert and multiply, but with one more step. You actually “solve” for 1 / 0.5267 first, which gives you the direct quote, 1.89861, which is the number of dollars per pound, and then multiply by the number of pounds: £450,000 * $1.89861 = $854,376.

#3) First solve for the dollar value of the £450,000 at the 60 day forward rate…invert and multiply
450,000 / 0.5299 = $849,216
or solve for the fraction 1 / 0.5299 first and then multiply:
1 / 0.5299 = 1.88715…times 450,000 = $849,216
Second, solve for the difference between receiving $s at the 60 day forward rate vs receiving $s at the spot rate today…
forward $849,216 – spot 854,376 = ($5,159)

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