For this part of the course project, you will demonstrate your ability to illustrate the functions and impact of banking and monetary institutions and to provide a recommendation guided by them.

In your role as a financial advisor at Eagle Consulting, you are performing a complete financial analysis for Melinda Jacobsen, a successful business executive who is retiring in 10 years. A portion of this analysis covers the question of whether Ms. Jacobsen should refinance her home in order to provide additional funding for a long-term retirement investment.

Because “above and beyond” customer service is critical to the success of Eagle Consulting, in addition to providing a recommendation on possible refinancing options, you want to provide Ms. Jacobsen with some background information on the Federal Reserve and how it affects interest rates.

Using the information about Melinda Jacobsen’s goals and the information you uncover during your research, you will write a recommendation document that explains the Federal Reserve, how the Federal Reserve affects interest rates, possible loan options, and a final recommendation for what loan she should choose.

To complete this assignment, do the following:

1. Download and read the Eagle Consulting Info Sheet.
2. Write a 3 page recommendation structured in three parts:
   1. Explanation of how the Federal Reserve impacts interest rates (1.5 pages)
   2. Explanation of loan options (1 page + Excel chart)
      Recommendation for a loan (.5 page)

      See below for details on each of the three parts.

Part 1: Federal Reserve’s Impact on Interest Rates

1. Discuss how the Federal Reserve uses the following tools to impact interest rates and the economy:
   1. Open market operations
   2. Discount rate
   3. Reserve requirements

Part 2: Loan Options

1. Research the current mortgage interest rates for a 10-year, 15-year, 20-year, and 30-year loan.
2. In Excel, graph the interest rates using years as the X-axis and interest rates as the Y-axis.
3. Using the graph, describe the following:
   1. Type of yield curve presented in the graph
   2. Relationship between interest rates and number of years to maturity
   3. Impact that risk and inflation has on the interest rates as the maturity date is lengthened

Part 3: Recommendation

1. Make a recommendation to Ms. Jacobsen on what mortgage loan to take (10-year, 15-year, 20-year, or 30-year).
2. Justify your recommendation.

Based upon this week’s reading and your own understanding please answer the following questions. Is it ethical to randomize clinical treatment trials? Meaning is it ok to hold treatment from one group and give it to another? Why is randomization important in research of a quantitative nature?

ANSWER: It removes researcher bias and improves reliability. But what ethical questions are raised? The question as stated above is whether we are withholding treatment from one group while giving it to another, whether it be a clinical drug trial or a new training tool. Is this ethical? Why or Why not?

What are some of the ethical or human subjects issues that may exist in your own research direction? What do you need to be careful about regarding your design?

Please see the attachment and links I provide to answer these questions above

http://www.hhs.gov/ohrp/international/index.html#e…

Counterargument Paper

This paper assignment expands upon your Week One Assignment and prepares you for the Final Paper. The expansion is to learn to improve one’s argument after investigating and fairly representing the opposite point of view. The main new tasks are to revise your previous argument created in Week One, to present a counterargument (an argument for a contrary conclusion), and to develop an objection to your original argument.

Here are the steps to prepare to write the counterargument paper:

• Begin reviewing your previous paper paying particular attention to suggestions for improvement made by your instructor.
• Revise your argument, improving it as much as possible, accounting for any suggestions and in light of further material you have learned in the course. If your argument is inductive, make sure that it is strong. If your argument is deductive, make sure that it is valid.
• Construct what you take to be the strongest possible argument for a conclusion contrary to the one you argued for in your Week One paper. This is your counterargument. This should be based on careful thought and appropriate research.
• Consider the primary points of disagreement between the point of view of your original argument and that of the counterargument.
• Think about what you take to be the strongest objection to your original argument and how you might answer the objection while being fair to both sides. Search in the Ashford University Library for quality academic sources that support some aspect of your argument or counterargument.

In your paper,

• Present a revised argument in standard form, with each premise and the conclusion on a separate line.
• Present a counterargument in standard form, with each premise and the conclusion on a separate line.
• Provide support for each premise of your counterargument. Clarify the meaning of the premise and supporting evidence for the premise.
  • Pay special attention to those premises that could be seen as controversial. Evidence may include academic research sources, supporting arguments, or other ways of demonstrating the truth of the premise (for more ideas about how to support the truth of premises take a look at the instructor guidance for this week). This section should include at least one scholarly research source. For guidance about how to develop a conclusion see the Ashford Writing Center’s Introductions and Conclusions (Links to an external site.)Links to an external site..
• Explain how the conclusion of the counterargument follows from its premises. [One paragraph]
• Discuss the primary points of disagreement between sincere and intelligent proponents of both sides. [One to two paragraphs]
  • For example, you might list any premises or background assumptions on which you think such proponents would disagree and briefly state what you see as the source of the disagreement, you could give a brief explanation of any reasoning that you think each side would find objectionable, or you could do a combination of these.
• Present the best objection to your original argument. Clearly indicate what part of the argument your objection is aimed at, and provide a paragraph of supporting evidence for the objection. Reference at least one scholarly research source. [One to two paragraphs]
  • See the “Practicing Effective Criticism” section of Chapter 9 of your primary textbook for more information about how to present an objection.

For further instruction on how to create arguments, see the How to Construct a Valid Main Argument (Links to an external site.)Links to an external site. and Tips for Creating an Inductively Strong Argument (Links to an external site.)Links to an external site. documents as well as the video Constructing Valid Arguments (Links to an external site.)Links to an external site..

For an example of how to complete this paper, take a look at the following Week Three Annotated Example (Links to an external site.)Links to an external site.. Let your instructor know if you have questions about how to complete this paper.

Hardy, J., Foster, C., & Zúñiga y Postigo, G. (2015). With good reason: A guide to critical thinking [Electronic version]. Retrieved from https://content.ashford.edu/

*You must properly cite and reference the course text in every discussion. A citation is a parenthetical note within the body of your response. It comes after a direct quote or a paraphrase. A reference comes at the end of your response and refers to the required reading or material. Use in-text citations.

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Evaluate the explanations that they have presented in light of the material from the chapter. See if you agree with their reasoning. Is there anything about their explanation that you feel does not account for all of the data? Does their explanation seem to be plausible in light of everything else that is known about the world? What other explanation might better or more simply explain the issue in question? 5 sentences or more.

The topic of this discussion will be magic. I’m not talking about Harry Potter or Gandalf magic, I’m talking about the David Blaine, Criss Angel, Harry Houdini type of magic. Is it real, is it an illusion, who knows? Its entertaining and cool to watch even if you’re just trying to figure out how it works.

Criss Angel he can levitate his body above the ground.

Magic would explain how he is able to do this.

There is no other explanation for how he can actually levitate.

Therefore, Criss Angel uses magic to levitate, making magic real.