Rough Draft Due: 9/29 Final Draft Due: 10/3 Paper Length: 3-4 Pages Format: Typed, Double-Spaced, 12 pt. Times New Essay

Rough Draft Due: 9/29 Final Draft Due: 10/3 Paper Length: 3-4 Pages Format: Typed, Double-Spaced, 12 pt. Times New Essay. Rough Draft Due: 9/29 Final Draft Due: 10/3 Paper Length: 3-4 Pages Format: Typed, Double-Spaced, 12 pt. Times New Essay.

Rough Draft Due: 9/29
Final Draft Due: 10/3
Paper Length: 3-4 Pages
Format: Typed, Double-Spaced, 12 pt. Times New Roman
Points: 150

Purpose:
The purpose of this assignment is to find two variants of an urban legend and examine their rhetorical and narratological differences in order to understand why their speakers chose the techniques that they used. You will be exploring how they use ethos, pathos, and logos, as well as focusing on how the speaker might be accounting for time and place (setting). You will discuss how the legend variants use two of these 2 themes: deserved comeuppance, horror, morals, friend of a friend, recurring motifs, supernatural vs. explained). Additionally, you will find one scholarly research article on your legend and use it to back up your
argument.

Research:
To decide on an urban legend, you want to do some research. Find a legend that interests you, has multiple variants, includes variants from either different cultures or different time periods, and has been researched by folklore scholars in academic journals.

Thesis:
Your thesis is going to discuss how the tales differ in how they use
rhetorical techniques and folklore elements, considering which one is more effective in getting their point across and convincing you. In turn, in your paper, you will discuss how convincing each legend variant is when it comes to using rhetoric and folklore themes to persuade.

Audience:
Write for a knowledgeable and educated audience, such as your
classmates, that is familiar with your urban legend, but is not necessarily familiar with the different variants. What information do you need to include to convince them of your viewpoint?

Essay Organization and Development
As you draft your paper, consider the following:
 Identify your urban legend, its variants, and present your thesis (which variant is more effective)
 Evaluate how each legend variant uses rhetoric to persuade, engage, or teach
 Examine how your variants account for time and place
 Make sure you explain how each variant uses two similar themes
differently
 Discuss Ethos, Pathos, Logos
3
 Include quotes from one scholarly article from JSTOR or Ebscohost to reinforce your claims
 Add direct quotes from your urban legend to reinforce your argument
 You can organize your paper by examining each variant in separate paragraphs, and then making your conclusions. Or you can discuss the themes and rhetoric for each variant in the same paragraphs, basing them on major elements.
 Critically analyze the evidence in your legend
 Include a conclusion that sums up your findings and addresses other possibilities or directions
 Provide a references page in MLA format[supanova_question]

Six Components of Building an E-Commerce Presence

Assignment DescriptionThis assignment has two components. You will need to complete both parts to receive credit for the assignment.
Assignment RequirementsScholarly writing is expected. All written submissions in BUS 255 should be written in APA style (Links to an external site.) and formatted accordingly. This includes paper formatting, citations, reference list, and writing in the third-person tone of voice. Students are not expected to include a title page and running head until the final paper in this course.
Assignment InstructionsPart ISelect an international e-commerce website of your choice and apply the six components of building an e-commerce presence. THE WESITE IS AMAZON
Mission and vision statement
Target audience
Company analysis
Competitor analysis
Marketplace and analysis
E-commerce presence map
Part IISelect an e-commerce website that was hacked. Answer the following: THE WEBSITE IS MACYS
What type of information was hacked?
What security measures took place in order to prevent future data breaches.
What type of hacker performed the task? (i.e. White Hat)

done
Seen
7 mins ago[supanova_question]

Persuasive Speech Outline (Note that anything in bold (blue or black) is

Rough Draft Due: 9/29 Final Draft Due: 10/3 Paper Length: 3-4 Pages Format: Typed, Double-Spaced, 12 pt. Times New Essay Persuasive Speech Outline

(Note that anything in bold (blue or black) is just an outline heading and is not meant to be read out loud.)

INTRODUCTION

Persuasive Attention Getter: According to Business Insider of July 30, 2017, Gerald Alvarez was a few days out of prison and feeling nervous. He said it was difficult to “transfer jobs, or anything of the sort. Everyone says, ‘Oh, you have a felony… we’re not interested.’” According to the National Employment Law Project of 2014 (an organization dedicated to fighting for worker’s rights), nearly 65 million people are unemployed due to prior criminal histories that haunt them on their job applications.  

Establish Credibility: I have worked as a recruiter for a few years and have seen the discriminatory nature of conviction history questions on job applications first-hand.

TRS: So Today, I will introduce you to a policy called “Ban the Box,” a movement dedicated to putting off questions about a job candidate’s conviction history on an application until after a conditional offer of employment has been extended.

Persuasive Goal: By the end of my speech, I hope to convince you that we as Californians need to join this movement and end job discrimination on the basis of criminal history.

Preview: I will present three reasons why California needs to Ban the Box. First, individuals with criminal histories are more productive workers. Second, this action will actually will come with many advantages for the companies that hire them. Third, banning the box will bolster the economy as a whole.

BODY

Main Point 1: Productive Workers

Transition: I will start by discussing why individuals with criminal histories are more productive workers.

Support Point (Statistic): Evoly, a company that evaluates large amounts of employment statistics to help companies’ profile successful employees, has found that in 2012 “employees with criminal backgrounds are 1 to 1.5 percent more productive on the job than people without criminal records.”

Support Point (Excerpt): In 2014, CEO John Tucker of Dave’s Killer Bread, a company dedicated to hiring ex-convicts, stated “overall, the performance of our ex-convicts is higher than our non-convicts. Most people would think it’s the opposite: that ex-felons are a challenge, are difficult. That is simply not the case.”

Support Point (Exceprt): The Week Magazine, a global political magazine, attributes this productivity to their desire to avoid getting back into bad habits that will land them back in prison.

Main Point 2: Company Advantages

Transition: Next, we’ll look at the many competitive advantageous companies can enjoy by hiring ex-convicts.

Wider Applicant Pool

Support Point (Statistic): The first is that it gives companies a wider applicant pool. The Public Interest Law Center of Philadelphia reported in 2014 that ever since Target has banned the box, they have seen a near 20% spike in applicants. Although Target still reserves the right to ask about conviction histories after a conditional offer of employment has been made, their efforts have not only widened their candidate pool (a “win” in terms of recruitment), but also promoted themselves as a forward-thinking and inclusive employer of choice.  

Financial Advantages

Support Point (Statistic): The second advantages it gives companies is simply more money. Dr. Michael Welch of Rutgers University Criminal Justice Program stated in 2012 that “formerly incarcerated or convicted individuals who are currently employed … increase company earnings by as much as 2 percent.”

Support Point (Excerpt): Additionally, in 2011, The US Department of Labor offered tax breaks, known as the Work Opportunity Tax Credit, to companies that hire people with prior convictions. Companies who hire ex-felons can receive up to $2,400 per year in credits.

Support Point (Excerpt): The source goes on to explain that if the tax break isn’t enough to encourage companies, there is also Federal Bonding Program monies distributed by each state, which insures an employer against potential theft for the first six months an ex-convict is on the job.

Main Point 3: Bolsters Economy

Transition: Finally, let’s look at how hiring ex-convicts will bolster the economy as a whole. That starts by looking at something called recidivism.

Support Point (Statistic): Recidivism is the act of relapsing into an undesirable habit, such as crime and going back to prison. According to the Bureau of Justice 2015 statistics, an estimated 67% of offenders were rearrested within 3 years. Without opportunities to rematriculate into society by way of a job, criminals will not be able to break the cycle.

Support Point (Statistic): Recidivism rates are cited to drop nearly 20% if programs like ban the box become more and more prevalent, according to Washington State Institute for Public Policy in 2012.

Support Point (Excerpt): In 2013, According to the Economy League, reduced recidivism will lower costs for government agencies overseeing law enforcement, courts, corrections, and post-release supervision. The reduced costs result in taxpayer benefits and budget savings.

Support Point (Excerpt): According to a 2012 publication from the Center for Economic Policy and Research, the US economy has lost between $57 billion and $65 billion in GDP due to the reduction in workforce for those who have prior convictions.  

CONCLUSION

Restate TRS: Today, I discussed the Ban the Box movement.

Review of Main Points: Specifically, I discussed why banning the box is beneficial because ex-convicts are good workers, because it increases profits for companies, and because it would make the economy stronger.

Lasting Thought/Call to Action: Gerald Alvarez said that many people in his neighborhood “just go immediately back to what they know once they’re out of prison.” That’s generally selling drugs. But he’s one of the few who’s managed to hold down a job. He started off scrubbing toilets for $30 a day. Eight years later, he became a supervisor at a warehouse in Queens and started his own business in 2016. Banning the box isn’t just a jobs program. It’s a morality check that suspends the prejudices we associate with ex-cons, and ensures that anyone on a legitimate path to redemption can be treated like a human being once again.

Works Cited

“A Salute to Target for Banning the Box.” Public Interest Law Center of Philadelphia. 1 Jan.

2014. Web. Jun. 13 2015.

“Ban the Box Campaign.” Evoly. 13 May 2012. Web. 17 Jun. 2015.

“Ban The Box.” National Employment Law Project. Sep. 2014. Web. 16 Jun. 2015.

Bell, Jon. “Dave’s Killer Rising.” Portland Business Journal. 20 Jun. 2014. Web. 15 Jun. 2015.

“Economic Benefits of Employing Formerly Incarcerated Individuals.” Economy League. Sep.

2013. Web. 14 Jun. 2015.

“Evidence-Based Public Policy Option to Reduce Future Prison Construction, Criminal Justice

Costs, and Crime Rates.” Washington State Institute for Public Policy. Oct. 2012. Web. 15 Jun. 2015.

Heroux, Paul. “Reducing Recidivism: The Challenge of Successful Prisoner Re-Entry.” The  

Huffington Post. 17 Aug. 2014. Web. 17 Jun. 2015.

“Reentry Trends In The US: Recidivism.” Bureau of Justice Statistics. Jun. 2015. Web. Jun. 16

2015.

Schmitt, John and Kris Warner. “Ex Offenders and the Labor Market.” Center for Economic and

Policy Research. Nov. 2012. Web. 12 Jun. 2015.

“The Federal Bonding Program.” United States Department of Labor. Dev. 2011. Web. Jun. 14

2015.

Welch, Michael. Corrections: A Critical Approach. New York: Routledge, 2011. Print.

“Work Opportunity Tax Credit.” United States Department of Labor. Dec. 2011. Web. Jun. 14

2015.[supanova_question]

Assignment 2: A playlist (1000 words). Released on 22 November 2021. Due

Assignment 2: A playlist (1000 words).

Released on 22 November 2021.

Due on 9 December 2021 at 4pm GMT.

30% of final mark.

Assignment aims:

This playlist (1000 words) will give you an opportunity to reflect on your music tastes, your preferences and your knowledge of a broad repertory, creating a narrative to go with it and tell your story. It will also give you a chance to think about how to design music programmes and insights into the ways in which professional playlist curators operate. Through research on your selected topic, you will also gain insights on your chosen theme, your target audiences’ tastes according to demographic, and the role playlists play in shaping people’s musical tastes (70% of final mark).

Collecting the metadata for each item on your playlist will help you demonstrate your research skills (30% of final mark).

Assignment instructions:

A playlist is an annotated listening list (or discography) structured around a theme (similar to the topic of an essay). You must justify your theme and choices with an introduction setting out their scope, identify your audience and explain why you think a specific target demographic will be interested in your playlist. You need to provide evidence of research to justify your choices. You will then create a list of 10 items and for each item you will need to provide the following essential metadata:

Track title

Orchestra/band name/Artist/Performer

Album name

Record label

Writer/lyricist/composer

Publisher

Genre/sub-genre

Track length

Year of song composition

Year of track release (this may be different from the year of song composition, so be careful which version you are referring to).

Here are two examples for you:

EXAMPLE 1

Track title

Hallelujah

Orchestra/Band/Artist/

Performer

Jeff Buckley

Album name

Grace

Record label

Columbia Records

Writer/lyricist/composer

Leonard Cohen

Publisher

Sony/atv Songs Llc

Genre/sub-genre

Alternative Rock/Folk Rock/Blues

Track length

05:22

Year of song composition

1984

Year of track release

1994

EXAMPLE 2

Track title

II. Molto Vivace, Symphony No.9 in D minor, Op.125

Orchestra/Band/Artist/

Performer

Claudio Abbado/ J Eaglen, W Meier, B Heppner, B Terfel; Berlin Phil; Berlin Philharmoniker

Album name

Beethoven Symphonie NR. 9

Record label

Sony

Writer/lyricist/composer

Ludwig van Beethoven

Publisher

Out of Copyright. Original composition in Public Domain.  

Genre/sub-genre

Classical

Track length

13:50

Year of song composition

1822-1824

Year of track release

1996

Your work will be assessed for the completeness and interest of the “story” it tells and the accuracy of the information you provide for each track.

Please note: for classical, traditional, some folk music and in general for music composed around 50-70 years ago, it might not be possible to identify the publisher. The work might be out of copyright in certain countries or in public domain. In these cases you can leave the publisher line empty if you are not sure and you won’t be penalised for doing so.

Formatting and presentation instructions:

Use Arial 12pt if using Microsoft Word, or equivalent font and size if using any other software.

For references, we recommend using a so-called “author-date” system of your choice: Chicago (author-date), APA, MLA or Harvard are all very good options. Instructions on how to use these systems can be found here. Referencing software is available to help you with your references here.

You must include a list of references at the end of your assignment.

Assignment

Rationale behind your playlist. What is the theme that runs through all the pieces you chose to include? How is it relevant to you? This could be a classical piano technique, a colour, a season, a mood or emotion, an idea, a composer. It’s really your choice.

(max 500 words)

Do you envision a particular sequence for these pieces, or can they be shuffled? Why?

(max 100 words)

Who is your target demographic for this playlist and why do you think they will be interested?

(max 400 words)

Your playlist of 10 items. For each item you need to include the relevant metadata listed in the assignment instructions

TRACK 1

Track title

Do you want to build a snowman?

Orchestra/Band/Artist/

Performer

Album name

Record label

Writer/lyricist/composer

Publisher

Genre/sub-genre

Track length

Year of song composition

Year of track release

TRACK 2

Track title

Orchestra/Band/Artist/

Performer

Album name

Record label

Writer/lyricist/composer

Publisher

Genre/sub-genre

Track length

Year of song composition

Year of track release

TRACK 3

Track title

Orchestra/Band/Artist/

Performer

Album name

Record label

Writer/lyricist/composer

Publisher

Genre/sub-genre

Track length

Year of song composition

Year of track release

TRACK 4

Track title

Orchestra/Band/Artist/

Performer

Album name

Record label

Writer/lyricist/composer

Publisher

Genre/sub-genre

Track length

Year of song composition

Year of track release

TRACK 5

Track title

Orchestra/Band/Artist/

Performer

Album name

Record label

Writer/lyricist/composer

Publisher

Genre/sub-genre

Track length

Year of song composition

Year of track release

TRACK 6

Track title

Orchestra/Band/Artist/

Performer

Album name

Record label

Writer/lyricist/composer

Publisher

Genre/sub-genre

Track length

Year of song composition

Year of track release

TRACK 7

Track title

Orchestra/Band/Artist/

Performer

Album name

Record label

Writer/lyricist/composer

Publisher

Genre/sub-genre

Track length

Year of song composition

Year of track release

TRACK 8

Track title

Orchestra/Band/Artist/

Performer

Album name

Record label

Writer/lyricist/composer

Publisher

Genre/sub-genre

Track length

Year of song composition

Year of track release

TRACK 9

Track title

Orchestra/Band/Artist/

Performer

Album name

Record label

Writer/lyricist/composer

Publisher

Genre/sub-genre

Track length

Year of song composition

Year of track release

TRACK 10

Track title

Orchestra/Band/Artist/

Performer

Album name

Record label

Writer/lyricist/composer

Publisher

Genre/sub-genre

Track length

Year of song composition

Year of track release

Before you submit your playlist, ask yourself these questions, which will be used to mark your work:

Content:

Have I provided a thorough and precise description of the theme of my playlist, of the target audience, and of why I think the pieces I chose fit within my narrative?

Am I analysing the theme I chose, the reasons why I think the pieces I chose will fit well and how I identified my target audience and why? Am I discussing, engaging critically, drawing connections and am I asking “why” and “how” my playlist will have a certain effect on people, for example, in addition to stating my choices? Tips on critical thinking can be found here and in related links: https://library.soton.ac.uk/sash/critical-thinking

Are my interpretations original and creative? Am I offering a novel approach to this problem or theme? Am I demonstrating my own expertise in this subject? Am I using examples that beyond those that were not discussed in class?

Research:

Am I demonstrating that I researched the theme of my playlist, that what I say about the music is correct and relevant, that my target audience has been chosen according to data and research I have done?

Am I drawing on the relevant recorded lectures, discussions in seminars, and all the other sources we have explored during the semester? Am I demonstrating that I engaged with the module and what was discussed?

To what extent am I expanding from what was discussed in class, bringing in more relevant topics, sources, connections?

Am I using reliable sources? If using blogs or other online sources written by anonymous authors, can I verify that the information they give is correct and reliable using other sources?

Am I acknowledging all the sources I am using, including online resources, lectures and seminars? Tips of academic integrity can be found on this page and related links: https://library.soton.ac.uk/sash/what-is-academic-integrity

Communication:

Is my description well structured, clear, precise? Am I repeating myself, or are there concepts/ideas that could be discussed together to avoid repetitions? Would using bullet points help with clarity?

Are my opinions and arguments clearly expressed?

Is my prose clear enough that my reader will find my argument easy to understand? Am I using too many words to say something I could say in a more concise way? Tips of academic writing can be found here and in related links: https://library.soton.ac.uk/sash/what-is-academic-integrity

Is my referencing consistent? Will my reader be able to find the source I used?

Have I included a list of references at the end?

Presentation:

Did I carefully check my text for spelling and typos?

Am I presenting my assignment in a way that shows my attention to details? Is the formatting correct, so that there are no problems of inconsistent indents, changes of font type, use of bold or italics where it is not necessary etc.?

22 November 2021[supanova_question]

Question: You have to create a small website based on an idea

Question:

You have to create a small website based on an idea you will choose.

In this project, you should design and develop a website using HTML and CSS. (10 Marks)

Design

Identify the site’s goals, the site’s users

Wireframe diagrams and site diagram

2

HTML

Use different HTML Web elements (paragraphs, headings, images, lists, tables, forms …)

5

Navigation: Links should be clear and located in the same area on each page. All links should be functional.

CSS

Describe the presentation of Web pages, including colors, layout, fonts…

Website clearly demonstrates design principles: with consistent alignment, proximity, repetition, and contrast…

3

Total

10

Important Notes:

The number of Web pages must be at least 7

Use the same theme across the website

Use correct HTML and CSS syntax

Add Navigation menu to all pages (appear at the same area in all pages)

The student must use the same file (IT404_Project.docx) to prepare his answer.

For the design part, the student must identify the tool or application that is used in the wireframe diagrams and site diagram (Photoshop or Illustrator…etc.)

For each part of the project (HTML and CSS) the student must:

copy and paste the website code

add screenshots of the output with a brief explication of each functionality of the web application.

Student should submit:

This form docx & pdf format docx

Project.zip contains all the files of the project (Design, HTML and CSS).[supanova_question]

EFB201 Tutorial One Questions 1. Explain the key roles of the financial

EFB201 Tutorial One Questions

1. Explain the key roles of the financial system. Why is it so important to the broader economy to have an efficient and effective financial system?

2. Compare and contrast debt and equity as a source of funds for financial claims.

3. What are some problems with direct financing that make indirect financing more attractive?

4. Explain how you believe economic activity would be affected if there were no financial markets and institutions.

5. What are the three sources of comparative advantage that financial institutions have over others in producing financial products?

6. Explain the concept of financial intermediation. How does the possibility of financial intermediation increase the efficiency of the financial system?

7. What is the difference between primary and secondary markets?

8. Explain the differences between the money markets and the capital markets. Which market would Holden use to finance a new vehicle assembly plant? Why?

9. Discuss three forms of financial market efficiency. Why is it important that financial markets be efficient?

10. What are the major risks faced by financial institutions and why is it important that each is carefully managed?

11. Why is globalisation of the international markets important to the Australian financial system?

12. Discuss the four attributes of financial assets.

13. Discuss the major derivative products.

EFB201 Tutorial One Solutions

1. Explain the key roles of the financial system. Why is it so important to the broader economy to have an efficient and effective financial system?

Financial markets are the markets for buying and selling financial instruments. Financial markets have five primary functions:

1. Facilitating the flow of funds

2. providing the mechanism for the settlement of transactions

3. generating and disseminating information that assists decision making

4. providing means for the transfer and management of risk

5. provide ways of dealing with the incentive problems that arise in financial contracting

Having an efficient and effective financial system is critical as it facilitates commercial, retail and government transactions in a timely, low cost and reliable way. The opposite would be a system where funds take a long time to reach their destination (i.e. direct debits may take weeks), with high cost (significantly greater transactions costs) and with great risk (to either their value or likelihood of arrival). An efficient and effective financial system will also produce actual and timely information to enable effective financial decision making, which is also important in the complex financial world of today.

When one considers what we take for granted in the financial system (EFTPOS, Electronic Transfer, Direct Debit, etc.) in terms of its reliability) and consider the time and cost involved in doing this manually, one can see the importance of the financial system.

2. Compare and contrast debt and equity as a source of funds for financial claims.

Financial claims are sourced from either debt or equity funds. Debt funds are supplied in the form of a loan and are either short-term (referred to as money) or long-term (referred to as capital). Suppliers of loans face credit risk – the risk that the borrower will default on scheduled repayments as specified in the loan agreement. The lender is compensated for this with interest income. Equity funding involves the acquisition of an ownership share of a business, which is usually seen as a longer-term investment and hence referred to as capital investment. Equity investors face investment risk, the possibility that the investors expected return will not be realized, and are compensated with dividend payments and capital growth (where the value of the ownership share increases over time) for bearing this

3. What are some problems with direct financing that make indirect financing more attractive?

Direct financing requires a more or less exact match between the characteristics of the financial claims DSUs wish to sell and those the SSUs want to buy. Direct financing can thus involve a costly search and negotiation process, often complicated by information asymmetries concerning ultimate credit risk of the DSU. Intermediaries transform direct claims sold by DSUs and make them more attractive to SSUs, helping DSUs find financing and SSUs find appropriate investments.

4. Explain how you believe economic activity would be affected if there were no financial markets and institutions.

Financing relationships would arise only when preferences of SSUs and DSUs match. DSUs would not always obtain timely financing for attractive projects and SSUs would under-utilize their savings. The “production possibilities frontier” of the society would be smaller.

5. What are the three sources of comparative advantage that financial institutions have over others in producing financial products?

(1) Economies of scale —large volumes of similar transactions; (2) transaction cost control—finding and negotiating direct investments less expensively; and (3) risk management expertise—bridging the “information gap” about DSUs’ creditworthiness.

6. Explain the concept of financial intermediation. How does the possibility of financial intermediation increase the efficiency of the financial system?

Financial intermediation is the process by which financial institutions mediate unmatched preferences of ultimate borrowers (DSUs) and ultimate lenders (SSUs). Financial intermediaries buy financial claims with one set of characteristics from DSUs, and then issue their own liabilities with different characteristics to SSUs. Thus, financial intermediaries “transform” claims to make them more attractive to both DSUs and SSUs. This increases the amount and regularity of participation in the financial system, thus promoting the 3 forms of efficiency—allocational, informational, and operational.

7. What is the difference between primary and secondary markets?

Primary markets are those in which financial claims are initially sold by DSUs. All financial claims have primary markets. Secondary financial markets are like used-car markets; they let people exchange ‘used’ or previously issued financial claims for cash at will, and hence they provide liquidity for investors who own primary claims. Securities can only be sold once in a primary market; all subsequent transactions take place in secondary markets. The Australian Stock Exchange (ASX) is an example of a well-known secondary market.

8. Explain the differences between the money markets and the capital markets. Which market would Holden use to finance a new vehicle assembly plant? Why?

Money markets are markets for liquidity, whether borrowed to finance current operations or lent to avoid holding idle cash in the short term. Money markets tend to be wholesale OTC markets made by dealers. Capital markets are where real assets or “capital goods” are permanently financed, and involve a variety of wholesale and retail arrangements, both on organized exchanges and in OTC markets. GM would finance its new plant by issuing bonds or stock in the capital market. Investors would purchase those securities to build wealth over the long term, not to store liquidity. GMAC, the finance company subsidiary of GM, would finance its loan receivables both in the money market (commercial paper) and in the capital market (notes and bonds). GM would use the money market to “store” cash in money market securities, which are generally, safe, liquid, and short-term.

9. Discuss three forms of financial market efficiency. Why is it important that financial markets be efficient?

There are three forms of market efficiency: allocational efficiency, informational efficiency, and operational efficiency. Allocational efficiency is a form of economic efficiency that implies that funds will be allocated to (i.e., invested in) their highest valued use (the funds could not have been allocated in any other way that would have made society better off). This is important as it promotes investment in the projects offering the highest risk-adjusted rates of return and that households invest in direct or indirect financial claims offering the highest yields for given levels of risk.

Informational efficiency relates to the ability of investors to obtain accurate information about the relative values of different financial claims (or securities). In an informationally efficient market, securities’ prices are the best indicators of relative value because market prices reflect all relevant information about the securities. This is important as it allows investors to determine which investments are the most valuable and ensures that the financial markets are allocationally efficient because households or business firms can get the information they need to make intelligent investment decisions.

A market is operationally efficient if the costs of conducting transactions are as low as possible. This is important because if transaction costs are high, fewer financial transactions will take place, and a greater number of otherwise valuable investment projects will be passed up. Thus, high transaction costs can prevent firms from investing in all desirable projects. The forgone investment opportunities mean that fewer people are employed and economic growth slows or declines. Society becomes worse off.

10. What are the major risks faced by financial institutions and why is it important that each is carefully managed?

Credit Risk (or default risk) is the possibility that a borrower may not pay as agreed. Management of credit risk is important as excessive credit risk will lead to higher regulatory costs (credit based capital adequacy requirements to be discussed later in the text) and may lead to the failure of the firm through cash flow and non-performing loans problems.

Interest Rate Risk is the likelihood that interest rate fluctuations will change a security’s price and reinvestment income. As a significant part of financial institutions investments and sources of funds are interest-bearing and profits are generated on the margin between these, managing both the investment and funding portfolio’s for interest rate risk is important for profits, cash flows and the stability of the institution.

Liquidity Risk is the possibility that a financial institution may be unable to pay required cash outflows. If a financial institution is unable to meet its short-term obligations because of inadequate liquidity, the firm will fail even though over the long run the firm may be profitable.

Foreign Exchange Risk is the possibility of loss on fluctuations in exchange rates. These fluctuations can cause gains or losses in the currency positions of financial institutions, and they cause the Australian dollar values of non-Australian financial investments to change.

Political Risk is the possibility that government action will harm an institution’s interests. This includes changes in regulation, appropriation of assets, changes to foreign investment and currency transfer and trading rules, all of which can influence the earnings and value of a financial institution.

Reputational Risk is the potential for negative publicity to cause loss through decline in customer base, increased litigation and revenue reductions.

Environmental Risk is the actual and/or potential threat of adverse impact on asset values due to changes in the environment and/or organisational impacts on the environment.

11. Why is globalisation of the international markets important to the Australian financial system?

This is important due to the small size of the Australian system in global terms. Hence internationalisation offers both additional sources of funds (from international investors), opportunities for Australian investors and institutions to diversify into offshore investments, and also a source of competition for domestic institutions which leads to improved efficiency of the domestic system. The impact of these was seen in the GFC where international concerns heavily impacted the Australian financial system. These impacts continued to a number of years as the higher cost of capital in the international markets (which the Australian banks rely upon for funding) put pressure on margins.

12. Discuss the four attributes of financial assets.

A financial asset has four attributes:

Return or yield

Risk

Liquidity of asset

Time-pattern of cash flows

The average saver likes return and liquidity, dislikes risk and prefers reliable cash flows.

13. Discuss the major derivative products.

There are four basic types of derivative contracts:

Forward contract

This is a contract to buy or sell a specified amount of an asset at a price decided upon today. The delivery and payment for the asset, however, will occur on a future date.

These contracts are traded over the counter (a private contract between two parties).

Futures contract

This contract is similar to a forward contract but it is traded on a futures exchange.

Having a secondary market means the contract can be traded out of at any time (i.e. a futures buyer would sell to get out and a futures seller would buy to get out)

Option contract

This is a contract which gives the buyer of the contract the right to buy (Call Option) or sell (Put Option) an asset at a predetermined price before or on a future date.

Unlike a futures or forward contract the buyer does not have the obligation to proceed with the contract.

The buyer must pay the seller (writer) of the contract a premium (or price) for the right.

Swap contract

This is an arrangement to swap specified future cash flows.

An interest rate swap occurs when there is an exchange (or swap) of interest rate payments at future dates.

These interest payments are based on a notional principal.

A cross currency swap occurs when there is an exchange of cash flows denominated in different currencies at a fixed exchange rate.

The initial and final principal loan payments as well as interest payments are exchanged.[supanova_question]

Kingdom of Saudi Arabia Ministry of Education Saudi Electronic University ??????? ???????

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Ministry of Education

Saudi Electronic University

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College of Administrative and Financial Sciences

Assignment-3

MGT422 – Business Ethics and Organizational Social Responsibility

Deadline: 04/12/2021 @ 23:59

Instructions – PLEASE READ THEM CAREFULLY

This assignment is an individual assignment.

Due date for Assignment 2 is by the end of Week 11.(20/11/2020)

The Assignment must be submitted only in WORD format via allocated folder.

Assignments submitted through email will not be accepted.

Students are advised to make their work clear and well presented, marks may be reduced for poor presentation. This includes filling your information on the cover page.

Students must mention question number clearly in their answer.

Late submission will NOT be accepted.

Avoid plagiarism, the work should be in your own words, copying from students or other resources without proper referencing will result in ZERO marks. No exceptions.

All answered must be typed using Times New Roman (size 12, double-spaced) font. No pictures containing text will be accepted and will be considered plagiarism).

Submissions without cover page will NOT be accepted.

Course Learning Outcomes-Covered

Aligned

PLOs

Course Learning Outcomes (CLOs)

MGT.M.3.2

The capacity to write coherent project about a case study or an actual research about ethics

Assignment Instructions:

General Motors’ Failure to Consider Stakeholders

General Motors (GM) has struggled with its brands and its image. Over the years, it has jettisoned some of its once-popular brands, including Oldsmobile and Pontiac, sold many others, and climbed back from a 2009 bankruptcy and reorganization. The automaker was hiding an even bigger problem, however: The ignition switch in many of its cars was prone to malfunction, causing injury and even death. The faulty switches caused 124 deaths and 273 injuries, and GM was finally brought to federal court. In 2014, the company reached a settlement for $900 million and recalled 2.6 million cars.

The case exemplifies the tension between the concept that “the only goal of business is to profit, so the only obligation that the businessperson has is to maximize profit for the owner or the stockholders” on one hand, and the ethical obligations a company owes to its other stakeholders on the other. GM’s failure to consider its stakeholders and consumers when choosing not to report the potential for malfunction of the ignition switches led to an ethical breakdown in its operations and cost the company and its customers dearly. In addition, by treating customers as only a means toward an end, the company turned its back on a generation of loyal buyers.

Questions

Read the above Case Study and answer the following Questions:

What virtues and values shared by its long-time customers did General Motors betray by failing to disclose an inherent danger built into its cars? (Not less than 600 words) 2.5-Marks

How do you think that betrayal affected the company’s brand and the way car buyers felt about the firm? How might it have affected its shareholders’ views of GM? (Not less than 600 words) 2.5-Marks[supanova_question]

Exploring Newsworthy Economic Issues ECO 1001 Fall 2021 Dr. Reed Introduction: One

Exploring Newsworthy Economic Issues

ECO 1001

Fall 2021 Dr. Reed

Introduction:

One goal of this class is for students to become more economically literate, meaning you should be able to read, understand, analyze, and relate current events to the topics covered in this microeconomics class. As stated on the syllabus, “Importantly, the topics covered in this course will provide a foundation for economic analysis of relevant issues observed in the economy.” To that end, you are required to read current news articles, analyze them in context of the concepts/models learned in this course, and answer questions about these articles.

Directions:

The following questions refer to news articles from The Wall Street Journal. The articles are available to you on Blackboard. You are to answer these questions using concepts covered in ECO 1001. Answers to these questions using concepts not covered in ECO 1001 will not be given credit.

Discussion among your peers regarding these questions is permitted, but all work that is submitted must be your own work. Any submissions that are similar beyond coincidence will not receive credit.

(20 points) In chapter 3, we discussed how demand and supply together determine prices for goods/services and how different factors would affect supply/demand. Read The Wall Street Journal article “Levi’s Won’t Be Unraveled by Cotton Price Surge”, and discuss each of the following points in a minimum of 2 complete sentences each:

The article states, “last year’s stimulus has left many shoppers’ wallets fatter.” If consumers purchase more goods from Levi Strauss when their incomes increase, what type of goods are these? What conclusions can you draw about the income elasticity for goods produced by Levi Strauss?

Using the supply and demand model, how can an increase in income be modeled in the market for Levi’s jeans? In the model, what is the resulting change to price? Is this consistent with the data cited in the article? (Note: You do not necessarily need to draw a supply and demand model. Instead, you can just explain how the model would show the change to income. However, you can draw the model if you would like.)

Using the supply and demand model, how can an increase in cotton prices be modeled in the market for Levi’s jeans? In the model, what is the resulting change to price? (Same note as part b.)

The article states, “Today, many apparel brands-including Levi’s-have regained pricing power” (referring to passing on higher costs to consumers in the form of higher prices). What does this imply about the price elasticity of demand for Levi’s products?

(30 points) Chapter 6 highlights one way in which governments can play a role in markets through price controls. Read The Wall Street Journal article “In Food Delivery, Iron Fist Could Trump the Invisible Hand”, and then answer the following questions:

One approach to thinking about the market for food delivery services is such that the supply of the food delivery services is provided by firms such as DoorDash, Grubhub, and Uber Eats and the demand comes from restaurants. Draw a graphical representation of this model (be sure to label your axes). (Note: You can choose to make this graph electronically or you can simply hand draw it. Either option is completely acceptable.)

NYC legislature wants to cap the price that delivery firms can charge restaurants. What type of price control does this exemplify? Explain your answer in 1-2 sentences.

For this price control to be binding, where should it be set relative to the equilibrium price in the market? Add a binding price control in your model above.

Assuming the price control you have shown in your model is enacted, identify the area in your model that represents the deadweight loss to society as a result of the price control, and then explain in 1-2 sentences what DWL means.

Assuming the price control you have shown in your model is enacted, identify the area in your model that represents the area of producer surplus that is transferred to consumers (i.e. the restaurants) as a result of the price control.

Even though some surplus is reallocated to restaurants as a result of this price control, explain in 2-3 sentences why not all restaurants will benefit from this price control.

Refer back to the title of the article. What does “iron fist” and “invisible hand” mean in reference to possible market outcomes? Explain in 2-3 sentences.

(25 points) Many firms are experiencing unusual production right now as the COVID-19 pandemic has reached every part of our economy. Read The Wall Street Journal article “Chipotle’s Profit More Than Doubles as Chain’s Burritos Get Pricier”, and discuss each of the following points in a minimum of 2 complete sentences each:

According to the law of demand, if Chipotle increases prices of burritos, what will happen to the quantity demanded of burritos?

According to the article, what type of costs, fixed or variable, have been responsible for driving up total costs of production for Chipotle?

Given that profit and costs have both increased for Chipotle, what does that imply about revenue earned by Chipotle?

Given your answer to part c (and the fact that Chipotle’s prices have increased), what can be said about the price elasticity of demand for Chipotle’s products? Furthermore, what can be said about the relative sizes of the change in quantity (discussed in part a.) versus the change in price?

Assume Chipotle is operating in a monopolistically competitive market. Even though Chipotle is earning positive profits in the short run, explain why the firm would (theoretically) earn zero economic profit in the long run.

(25 points) The last few chapters in the semester focus on different market structures and the different outcomes observed in each market structure. This last article focuses on two firms operating in the book publishing market, which is arguably an Oligopoly. Read The Wall Street Journal article “Justice Department Sues to Block Penguin Random House’s Acquisition of Simon & Schuster”, and answer the following questions in a minimum of 2 complete sentences each:

Generally speaking, what is the main goal of antitrust laws, and what entity in the US is tasked with enforcing antitrust laws?

How would this merger affect authors of books?

How would this merger affect consumers of books? Be sure to mention the effects on quantity of output, quality/variety of output, and prices to consumers.

Why do the two publishers argue this move is not anticompetitive?

Imagine you are an economic consultant to the Department of Justice for this case. Would you recommend the DOJ allow the merger, or would you recommend the DOJ stop this merger? Note: This is an opinion-based question, so there is no right or wrong answer, but you must justify your answer.[supanova_question]

Optional R Assignment Goal: You are going to use the code we

Optional R Assignment

Goal: You are going to use the code we used in class and apply it to a new dataset (GambleRC.csv) with trend and seasonality features. The dataset contains the quarterly sales of the gambling and recreational industry of the United States from 2009 to 2021.

Instructions:

The majority of the code will stay the same; however, you are expected to make some changes so that we know you truly understand the code.

Step 1: Watch the zoom video to see the meanings of each line of code that we didn’t get to explain during class.

Step 2: Load the GambleRC.csv file into Rstudio with the relevant code, and change the name of the columns, and then only choose the observations from 2009-Q1 to 2019-Q3.

Because the sales/value (2nd column)’s data type is characters (not numbers), you need to convert the 2nd column into numbers by adding the following 2 lines of code after line 7 in the code file.

data1$sales <- gsub(",","",data1$sales)

data1$sales <- as.numeric(data1$sales)

Step 3: The rest of the steps are generally the same. But you are expected to make some minor changes to the code:

Dummy variables are changed to Mar, June and Sep this time

Change the color of Actual Y (data1$sales) to “green”

Step 4:

Create a word document, and paste all of the graphs you created and the summary of the regression model into the file.

And answer this question: does the residual plot of model1 look ok to you? Why or why not?

*Note: If you run into bugs and cannot fix it, and cannot generate any output, you can paste your adjusted code into the word file instead, and you will receive partial credit.[supanova_question]

Accounting Question

While I take this I will be sending you pictures of the questions as I go so you can begin solving. I NEED YOU TO BE TIMELY. PLEASE send the questions back to me one by one rather then all at once. There is also a time limit which will be 1 HOUR. Once we begin I cannot stop or pause it so it’s crucial you are there and ready once I begin. This will consist of 23 questions most multiple choice but also a couple workout problems. I will be working on this through connect mcgraw. Let me know if there is anything you don’t understand or if you have any questions. I would like to start at 11pm MTN time. I can be flexible with the start time but once again once I start I cannot pause or stop it so I need you there actively with me.

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Industrialization and the actions of the Progressives

1) Directions: Imagine that you are the mayor or governor of a major industrial city or state. Using your knowledge on the problems caused by Industrialization and the actions of the Progressives, which of the four Progressive reform categories would you devote your state’s time and money to fixing? In your response include:
The Progressive reform category you would devote your money to fixing
3 pieces of evidence from class to support your decision
2) Directions: Choose two of the three Progressives you researched and create a Venn Diagram to compare and contrast the following:
Impact of the Reformers
Tactics of the Reformers
Goal of the Reformers
Legacy of the Reformers
Other relevant information
Your Venn Diagram should include 3-5 pieces of detail in each section. It made either be hand-drawn or created via computer.
[supanova_question]

Sociology Question

OverviewAgeism is a serious and real issue in contemporary society. Social scientists and gerontologists spend a great deal of time identifying, researching, and reflecting on how to make society and social interactions a more age-friendly, equal place for all. A key element of working in the field of aging is communicating your knowledge and insights to others, which is often done through written communication. The video above gives a brief overview of a reflection essay, which is the goal of this assignment. A more detailed tutorial is available in the resources section below and explains in detail how to tackle this type of writing assignment–consider it a must-watch!ScenarioYou are a writer for Growing Old Rocks! magazine. As their content expert on ageism, your editor has asked you to read and reflect on the latest book, This Chair Rocks by Ashton Applewhite. They want you to create an APA-style reflection essay describing the main ideas in the book, relating and analyzing the main ideas in light of your personal experience, course content, and/or current events/issues, and reflecting on how your beliefs and/or behaviors have been affected by the book. ObjectivesIn this paper, show me you can: * Recognize and evaluate ageism, including the causes, at-risk populations, and appropriate intervention strategies * Engage in meaningful self-reflection * Create an APA style reflection essay
Technical Requirements *4-5 pages college-level English reflection essay in APA Style Student Paper (Links to an external site.) format. Title and reference page(s) do not count toward the page minimum. Note: Student papers do not have an abstract. * Standard 10-12 pt. font should be used (e.g. Times New Roman, Arial, Tahoma, etc.). UPDATE–No sources outside Applewhite and Hillier and Barrow are required, but if used, they must be cited in-text and in references in APA style. * Accurate in-text citations and references in APA style, 7th edition (Links to an external site.). *Paraphrasing of sources is recommended; use direct quotes sparingly. * Every paper will be checked for plagiarism; see resources below for how to recognize and avoid plagiarism.

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intrapreneur / 8 step process

Part 1:Prior to beginning work on this discussion forum, read Part 1: Changing the Status Quo from the course textbook The Greenhouse Approach: Cultivating Intrapreneurship in Companies and Organizations. Additionally, read the following articles The Irrational Side of Change Management (Links to an external site.) and 1 Reason Why Most Change Management Efforts Fail (Links to an external site.). Note the reference to the estimated 70% failure rate for change.
Next, reflect on the following observation by Niccolo Machiavelli:
It must be remembered that there is nothing more difficult to plan, more doubtful of success, nor more dangerous to manage than a new system. For the initiator has the enmity of all who would profit by the preservation of the old institution and merely lukewarm defenders in those who gain by the new ones. – The Prince
Intrapreneurs are change agents and initiate outward change (products and services) and inward change (policies, procedures, technology). Assess the information in the above articles and Part 1 of the course textbook and then do the following:
Determine the environment needed for beneficial intrapreneurial activities. Do this by devising a minimum of three principles you feel are the foundation for a beneficial intrapreneurial environment.
The two articles offered above suggest there is an estimated 70% failure rate for organization change implementation efforts. Based on what you know about intrapreneurial activities, defend the use of nimble change management techniques to reduce the estimated 70% failure rate previously mentioned.
Offer a link to a video or an article that provides additional information about intrapreneurs as change agents, as well as effective change management procedures
Part 2:
Prior to beginning work on this discussion forum, read Part 1: Changing the Status Quo from the course textbook The Greenhouse Approach: Cultivating Intrapreneurship in Companies and Organizations. Additionally, read about John Kotter’s eight-step method for implementing change on the webpage 8 Step Process (Links to an external site.). Pay attention to the material offered about principles versus rules.
As a matter of course, we all encounter rules that govern our actions in our business environment. We are accustomed to rules and more or less follow them and seldom seriously question them. Following rules provides stability and predictability; however, rules can potentially stifle innovation. When, for example, core competencies become core rigidities, innovation halts and stagnation flourishes.
After retrieving and reading the information about the eight-step method and reading the information in the assigned textbook (emphasis on the material about principles versus rules), do the following:
Assess Kotter’s proposed method as principles used to guide actions. Is Kotter’s method flexible enough to develop effective change management procedures across several cultures or is it specific to the point that there seems to be only one way to manage change? For example, is there only one way to create a sense of urgency?
Estimate the level of effort it might take to transition from a rules-based environment to a principle-informing-rules environment. What are two major obstacles that might be encountered?
Offer a link to a video or an article that provides additional information about principles informing rules, as well as effective change management procedures.

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Chapter 5 and 6 of How to study as a Mathematics Major

Chapter 5 and 6 of How to study as a Mathematics Major

These two chapters are about proof and this discussion board question will ask you to reflect on your experiences with proof.

Discuss your experiences in high school with proof by describing the overall expectations that you were required to have with proofs, your experience with proofs while learning and reading mathematics, and your thoughts about whether proofs should be a part of high school mathematics. Give examples as much as possible.

Discuss your experiences with proof as an early college student by describing the overall expectations that you were required to have with proofs, your experience with proofs while learning and reading mathematics, and your thoughts about whether proofs should be a part early on in college mathematics. Give examples as much as possible.

Discuss moving forward in your college career with regards to prove. What have you learned this semester that will serve you well moving forward? What are some issues with proofs you are still struggling with and how will you approach overcoming these issues moving forward? Do you have a different view about proofs after this class? Why or Why not? Finally, how will your background with proofs serve you as you move forward in future mathematics classes? Provide examples as appropriate.[supanova_question]

Chapter 3 and 4 of the book: How to Study as a

Chapter 3 and 4 of the book: How to Study as a Mathematics Major

Chapter 3 and 4 of the book “How to Study as a Mathematics Major” discusses defintions and theorems and gives multiple of examples that you come across while study mathematics courses such as calculus and introduction to proofs. When faced with a definition and working to understand the definition, you should consider examples that satisfy the definition and also examples that do not. This will help you with the abstract concepts in the definition as you build your understanding.

To approach this chapter, we present a definition that most of you have not seen before.

Definition: Let f be a real-valued function from the real numbers to the real numbers. Then the function f is called fine if it has a root (zero) at each integer. In other words, f is fine if for each integer n, f(n) = 0.

What are some of the key words in this definition that you have seen before in mathematics? State each key word and what it means.

Now, write down at least two examples of functions that are fine. Write down at least two examples of functions that are not fine. Describe how this helps you to understand the definition of a fine function. Also, describe issues that you still have in understanding this definition.

Most usually your examples are continuous functions. Write down two examples that is not continuous. Write down two examples that are not differentiable.

Describe your thoughts about a problem like this and how comfortable you would be in proving statements involving fine functions. What obstacles would you be faced with when proving such statements. For example, prove or disprove that the sum of two fine functions is also a fine function.[supanova_question]

Chapter 5 and 6 of How to study as a Mathematics Major

Chapter 5 and 6 of How to study as a Mathematics Major

These two chapters are about proof and this discussion board question will ask you to reflect on your experiences with proof.

Discuss your experiences in high school with proof by describing the overall expectations that you were required to have with proofs, your experience with proofs while learning and reading mathematics, and your thoughts about whether proofs should be a part of high school mathematics. Give examples as much as possible.

Discuss your experiences with proof as an early college student by describing the overall expectations that you were required to have with proofs, your experience with proofs while learning and reading mathematics, and your thoughts about whether proofs should be a part early on in college mathematics. Give examples as much as possible.

Discuss moving forward in your college career with regards to prove. What have you learned this semester that will serve you well moving forward? What are some issues with proofs you are still struggling with and how will you approach overcoming these issues moving forward? Do you have a different view about proofs after this class? Why or Why not? Finally, how will your background with proofs serve you as you move forward in future mathematics classes? Provide examples as appropriate.[supanova_question]

Rough Draft Due: 9/29 Final Draft Due: 10/3 Paper Length: 3-4 Pages Format: Typed, Double-Spaced, 12 pt. Times New Essay

Rough Draft Due: 9/29 Final Draft Due: 10/3 Paper Length: 3-4 Pages Format: Typed, Double-Spaced, 12 pt. Times New Essay