Category Archives: পড়াশুনা (Study)

বিভিন্ন বিষয়াদির উপর পড়াশুনা ও মন্তব্য

Number Theory (A starting to counting)

Number Theory:

Number theory is a branch of mathematics concerned with the properties of the positive integers (1, 2, 3, …). Sometimes called “higher arithmetic,” it is among the oldest and most natural of mathematical pursuits.

Number theory is the study of the integers (i.e. whole numbers) and related objects. Topics studied by number theorists include the problem of determining the distribution of prime numbers within the integers and the structure and number of solutions of systems of polynomial equations with integer coefficients. Many problems in number theory, while simple to state, have proofs that involve apparently unrelated areas of mathematics. A beautiful illustration is given by the use of complex analysis to prove the “Prime Number Theorem,” which gives an asymptotic formula for the distribution of prime numbers. Yet other problems currently studied in number theory call upon deep methods from harmonic analysis.

Until the mid-20th century, number theory was considered the purest branch of mathematics, with no direct applications to the real world. The advent of digital computers and digital communications revealed that number theory could provide unexpected answers to real-world problems. At the same time, improvements in computer technology enabled number theorists to make remarkable advances in factoring large numbers, determining primes, testing conjectures, and solving numerical problems once considered out of reach.

Modern number theory is a broad subject that is classified into subheadings such as elementary number theory, algebraic number theory, analytic number theory, geometric number theory, and probabilistic number theory. These categories reflect the methods used to address problems concerning the integers.

We will study those topics on number theory for this class;

  1. Integers
  2. Modular Arithmetic
  3. Diophantine Equations

Remainder:

In integer division, the remainder is the amount that is left over after dividing one integer by another. In polynomial division, the remainder is the polynomial that is left over after dividing one polynomial by another.

Integer Division:

An integer “a” is divisible by another integer “b” (or is a multiple of “b” ) it  can be written as  times another integer;

a = b x (integer)

Note that the remainder (r) will always be less than the divisor (d).

x=xd+ r where r <d

Primes:

A prime number is a positive integer that has exactly 2 positive divisors. i.e. 1 and that respective number only. The first few prime numbers are;

2,3,5,7,11,13,17……………….

 Euclid’s Theorem: There are infinitely many primes.

Euclid’s Proof;

For any finite set of primes {,  , Euclid considered the number

n” has a prime divisor “p” (every integer has at least one prime divisor). But “p” is not equal to any of the   (If “p” were equal to any of the , then “p”  would have to divide 1 , which is impossible.) So for any finite set of prime numbers, it is possible to find another prime that is not in that set.

In other words, a finite set of primes cannot be the collection of all prime numbers.

Notice that Euclid’s original proof was direct proof, not proof by contradiction.

Largest known prime number:

Despite there being infinitely many prime numbers, it’s actually difficult to find a large one. For recreational purposes, people have been trying to find as a large prime number as possible. The current largest known prime number is, having, 22,338,618 digits. This was found by the Great Internet Mersenne Prime Search project, which uses distributed computing to discover prime numbers in the form, known as Mersenne primes. Mersenne primes are very rare; in fact, it’s an open problem whether there are infinitely many Mersenne primes or not. Only 49 are known so far, the largest of which is the above.

Prime Factorization:

In number theory, the prime factorization of a number N is the set consisting of prime numbers whose product is N. As an example, the prime factorization of 90 is

90 = 2 X 3 X 3 X 5.

Due to its uniqueness for every positive integer, the prime factorization provides a foundation for elementary number theory.

Prime Factors:

The uniqueness of prime factorization is an incredibly important result, thus earning the name of the fundamental theorem of arithmetic:

Fundamental theorem of arithmetic: Any integer greater than 1 is either a prime number or can be written as a unique product of prime numbers. 

This statement implies that if a number is not prime, it has a prime number as its factor. For example, the factors of 8 are 1, 2, 4, and 8, where 2 and 4 are both prime numbers.

Example:

If x, y, z are three different prime numbers such that N =, how many positive divisors does N have excluding 1 and itself?

Since N =, we can conclude that x, y, and z are the factors of N . Since x, y and z are prime numbers, we can’t factor them to get any other number, so that gives us a total of 3 numbers.

But wait, we know that if x and y are factors of N, then y is also a factor of N. So a combination of two factors out of the three factors is also a divisor of N. In other words, we have,   and as factors of  N which are another 3 in addition to the 3 above.

Note that is also a combination that is a factor of N, but it equals the number itself and is therefore omitted.

So we have a total of 6 divisors, excluding 1 and the number itself.

Perfect Squares, Cubes, and Powers:

perfect square is an integer that can be expressed as the product of two equal integers. For example, 100 is a perfect square because it is equal to. If N is any integer, then is a perfect square. Because of this definition, perfect squares are always non-negative.

Similarly, a perfect cube is an integer that can be expressed as the product of three equal integers. For example, 27 is a perfect cube because it is equal to 3. Determining if a number is a perfect square, cube, or higher power can be determined from the prime factorization of the number.

Perfect Numbers: perfect number is a positive integer that equals the sum of its proper divisors, that is, positive divisors excluding the number itself. For example, 6 is a perfect number because the proper divisors of 6 are 1, 2 and 3 and 6

The sum of all positive divisors of a number n is denoted by. A perfect number is therefore a positive integer n such that

Perfect numbers were of great interest to ancient mathematicians including the Greeks, who attributed mystical significance to the property. It is perhaps somewhat surprising that many elementary questions about perfect numbers are still open. Most notably, it is not known whether there are infinitely many perfect numbers, and it is not known whether there are any odd perfect numbers.

Theorem: A positive integer “n” is an even perfect number if and only if for some positive prime “p” such that is prime. Here   is known as “Mersenne Prime”

Properties of Perfect Number:

  1. Every even perfect number ends in the digits 6 or 28 (when written in decimal).
  2. The iterative digital sum of any even perfect number except 6 is 1.
  3. The only square-free perfect number is 6.
  4. A perfect number is an Ore harmonic number; that is, the harmonic mean of its divisors is an integer. (Not every Ore harmonic number is perfect, e.g. 140.)
  5. If an odd perfect number exists, it has more than 300 digits, at least 75 prime factors, at least 9 distinct prime factors and at least one prime factor of at least 20 digits.

 Number Base:

number base (or base for short) of a numeral system tells us about the unique or different symbols and notations it uses to represent a value.

For example, the number base 2 tells us that there are only two unique notations 0 and 1.

The most common number base is decimal, also known as base 10. The decimal number system uses 10 different notations which are the digits 0~9. The base is not necessarily positive integers. The base can be positive, negative and 0, complex and nonintegral. Other frequently used bases include bases 2 and 16. These are used in computing and are called binary and hexadecimal.

****** I have posted this blog in hurry, Will make corrections soon. Especially the character and equation are missing from the above post. I’ll make corrections to those. Thanks

What is Marketing? The way we know it…

Marketing:

By definition, marketing is studies of the market.

What does google say about it?

“the action or business of promoting and selling products or services, including market research and advertising.”

“the Western arts of marketing and distribution”

By definition, marketing is studies of the market. What google says about marketing;

“The action or business of promoting and selling products or services, including market research and advertising.” by “the Western arts of marketing and distribution”.

According to BusinessDictionary.com ;

The management process through which goods and services move from concept to the customer. It includes the coordination of four elements called the 4P’s of marketing:

(1) identification, selection, and development of a product,

(2) determination of its price,

(3) selection of a distribution channel to reach the customer’s place, and

(4) development and implementation of a promotional strategy.
So here comes the terms market. What is the market?

Well, a market is an exchange between two parties frequently we called it buyers and sellers. If we think about a single buyer and a single seller then it’s fine. But the real market is not like this. It’s very complicated and the number of sellers and buyers is not constant.

Let’s take a look more closely at the seller’s market and buyer’s market.

Seller’s Market:

That is only 1 seller who has the product and the consumer, the customer wants that product. That is Seller’s have all control over the market.  This is called the product focus market.

There are many sellers for the same kind or same featured goods or services and there is a lot of buyer for the services. That is all control has on the grip of Buyers. Here sellers focus on customers and more competition attends here.

That is why the marketing for both two-stream of the market should not be the same.

Here are some features about the product focus market:

  • Sellers have the product or services and they have all control over that product and services.
  • The seller should get more attention to develop the product and services.
  • Trying to reduce the cost.
  • The business objective is to sell as much as a product to increase market share.

By increasing market share means revenue is high, costs are going lower and profit increases.

Buyer’s Market:

Buyer’s Market or Customer focus market is often called the outside-in marketing. Where seller’s market is inside out. i.e. focusing on product to sell is seller’s market marketing and meeting the customer needs is outside in marketing concepts.

The customer focus market is based on creating values for customers. Find the customer’s wants and need and deliver the needs to that customer.

But here is the problem arise again every and each customer have different needs. It is not possible for any business to meet all customer demand at a time. But it should be focused on the target group of customers. The intuition of customer focus marketing is to pick and choose customers. Deliver value to some customers and not to another customer. Then again problem arise-how can be the business be profitable if I say “no” to some customer? Well, recall the product-focused market we said sell as much we can to anyone. But in the customer focus market choose and pick the customer segment or group deliver the value to the customer group or segment and they will be ready to pay premium prices for your product and services. That is your business be profitable by premium prices from customers. For creating value customer is willing to pay you the premium prices and that is how customer focus market can be profitable.

So here objective is not reducing cost but adding values and increasing the premium price to make it more profitable. There are so many other ways to make a profit in value-based marketing like building customer loyalty. That is not to sell one time for but sell times after and after. That concept is called customer share.

Another way to increase profitability in customer focus market is cross-selling. When you have loyal customers then you can sell other products or services to the customer.

For your own financial plan know the Financial System!

What is it?

The financial system allows funds to be circulated among different groups of people. Those groups are may define as savers, investors, and intermediaries.

It allows the transfer of money between savers and borrowers.  That is the flow of funds depends on the financial system.

The Functions of Financial system;

There are many functions of the financial system. Among them;

  • Saving
  • Liquidity
  • Payment
  • Controling risk
  • Policy Function

Components of Financial System;

There are three components of the financial system.

  1. Financial Institutions or Financial Intermediaries
  2. Financial Instruments or Financial Assets
  3. Financial Markets

Let’s take have a short description of the above three components of this system;

1. Financial Institutions or Financial Intermediaries:

An intermediary is a matchmaker between surplus units and deficit units. They transfer funds to borrowers from savers. The classic example of a financial intermediary is a bank that consolidates deposits and uses the fund to transform them into loans. (Wiki)

Major types of Financial institutions;

  • Banks
  • Non-Banking financial institutions
  • Insurance companies
  • Mutual Funds

2. Financial Market: 

It is a market for the creation and exchange of financial assets. Or in other words, a market in which people and entities can trade financial securities, commodities. The financial market is not a physical market place rather it is the system that allows trading those financial assets.

The most common financial markets are; Money Market and Capital Market 

Money markets have two components Local currency market and the Foreign currency market.

Capital Market consists of the Debt market and Equity Markets 

3. Financial Assets: 

A financial asset is an intangible asset that represents the value because of a contractual claim.

 Primary (Ordinary Shares, Preference Share, Debenture, Innovative Debt Instruments)   Indirect and Derivatives (Forward, Future and Option) those are the main category of Financial Assets.

Reference: Wikipedia, Investopedia, Answer

Why people invest? Is investment make them happy?

Well! you are here to know why people invest? Yes, that is the same reason why you reading this line. That is getting a benefit or expecting benefit from some sort of activity. Maybe reading a blog or maybe eating a pizza.

According to Finance or Accounting terms “expecting a larger amount in future by doing some activities from the current.”

Why we expect a higher return in future?  One word can define all; “Inflation“.

We may recall the time value of money. Today One Dollar is more powerful than tomorrow. It defines today anyone can purchase more commodities by One Dollar than tomorrow.

People give us $ 100 today expect to consume $ 105 or more of goods and service in future.

“What is Investment?”

The current commitment of these saving (whose consumption is lower than income) for a period of time to derive a rate of return that compensates for the time involved, the expected rate of inflation, and the uncertainty.

Common reasons for investment;

  1. Secure the future.
  2. Grow the money.
  3. To earn.
  4. For getting a tax benefit.
  5. An investor can help others.
  6. To start a business.
  7. To reach financial goals.
  8. Making a difference.

Why should I invest in stocks?

This is another common questions I found mostly from my friends and family. Well those are the most reasons you should invest in stocks;

  • The potential to earn higher returns than alternatives like bank deposits, gold, and government bonds.
  • Stocks have the ability to protect your wealth from inflation, as the returns often significantly outpace the rate of inflation.
  • Anyone can earn regular passive income from dividends (A companies distributed profits called dividends).
  • The ability to own a tiny slice of a company whose products or services you love. Think about it the bank in which you depositing money, you own a slice of that bank perhaps make you feel better.
  • The ease of buying and selling, which makes stocks a more liquid investment compared to other options like houses and other fixed assets.
  • It is easy to diversify your investment in stocks from real estate to tech companies as per your wish and like.
  • Most I love about stock is, I can invest as much low as I can The ability to start small.