Determining how the premiums are invested

Chapter 14 : Application Questions 1, 2, 3 and 4 on page 305

 

  1. Although both immediate and variable annuities can provide lifetime income to annuitants, they differ in important ways. Compare and contrast (1) an immediate annuity with (2) a variable annuity with respect to each of the following:
    1. Determining how the premiums are invested
    2. Stability of income payments after retirement
    3. Death benefits if the annuitant dies before
      retirement
  2. A fixed indexed annuity and a variable annuity are both similar and different in many respects.
    1. Explain the major similarities between an fixed-
      indexed annuity and a variable annuity.
    2. Identify the major differences between a fixed
      indexed annuity and a variable annuity.
  3. Mario, age 65, purchased an immediate annuity for $120,000 that pays a lifetime monthly income of $1,000. The annuity has no refund feature. Based on the IRS actuarial table, Mario has a life expectancy of 20 years. If Mario receives 12 monthly payments of $1,000 the first year, how much taxable income must he report on his tax return?
  4. Travis, age 25, graduated from college and obtained a position as a tax accountant. He is ineligible to participate in his employer’s retirement plan for one year.
    a. Assume that Travis has a starting salary of$60,000 for 2018 and does not participate in the employer’s retirement plan. Is Travis eligible to establish a traditional tax-deductible IRA? Explain your answer.
    b. Assume the same facts in (a). Is Travis eligible to establish a Roth IRA? Explain your answer.

Understanding Risk & Corporate Diversification

Understanding Risk & Corporate Diversification

This discussion has 2 parts:

  1. Understanding risk:
    • Part A: Stock A has a standard deviation of 10% and an expected return of 8%. Stock B has a standard deviation of 15% and an expected return of 11%. A client wants to know which stock has a better risk-return profile. How would you answer her?
    • Part B: Stock C has a standard deviation of 20% and a beta of 1.20. Stock D has a standard deviation of 16% and a beta of 1.44. A client wants to know which stock is riskier. How would you answer her?
  2. The material in Chapter 8 of the required text clearly illustrates that there are tangible benefits for individual investors that diversify their portfolios. It makes sense then too for corporations do diversify their product or service portfolios. Or does it? Be sure to read the supplemental readings related to corporate diversification and offer your views on whether corporate diversification is beneficial for the owners (i.e., the shareholders) of the corporation.

Submission Instructions:

  • Your initial post should be at least 200 words, formatted and cited in current APA style with support from at least 2 academic sources. Your initial post is worth 8 points.
  • You should respond to at least two of your peers by extending, refuting/correcting, or adding additional nuance to their posts. Your reply posts are worth 2 points (1 point per response.)

Post by classmate 1

  1. Part A: To find the risk return profile, we need to find the return stock per unit risk, that is given by Sharpe ratio, in this case we are able to assume risk free rate is zero.

Stock A standard deviation= 10%

Stock A expected return= 8%

Stock B standard deviation= 15%

Stock B expected return is=11%

Ratio= expected return/ standard deviation

Ratio of stock A= 0.8

Ratio of stock B= 0.7333

As we see from our answer, the ratio of stock A is higher than stock B so that means that stock A has a better risk- return profile.

Part B: If a portfolio is well diversified, the relevant risk can be seen in beta and since stock D has a higher beta, that means that Stock D is riskier. If a portfolio is not well diversified, the relevant risk can be seen as the standard deviation so in that case, Stock C can be seen as riskier.

  1. In my opinion, corporate diversification is beneficial to the shareholders because it helps to spread the risk of the corporation into different product or service portfolios. A corporation cannot rely upon a single product or a service line for its revenue. It must diversify into either related or unrelated areas as long as it has the expertise in those areas. This will help the corporation to generate revenues from different product or service lines and when a particular product or service line fails, the firm can recover as long as there are other product or service lines that can generate revenues. Diversification can also help in gaining shareholders confidence as diversification gives an assurance to the shareholders that the firm has a strong financial foundation due to the varied revenue sources the firm enjoys.

Post by classmate 2

When trying to figure out the risk-return profile, as discussed in Part A, the return of stock per unit risk needs to be found. The Sharpe ratio explains in this scenario to assume the risk-free rate to be zero. When calculated, stock A is 0.8, and stock B is 0.7333. I would tell her that stock A has a higher ratio than stock B, so that means that stock A has a better risk-return profile. In part B, I would tell the investor that when describing the calculation, stock C has a higher standard deviation, which means it is riskier than stock D.

Deciding whether corporate diversification is beneficial for the owners of the corporation, understanding the importance of a strategic approach is paramount (Moyer, McGuigan, & Rao, 2018). When a company decides they want to diversify, a series of questions should be answered. For example, in the current market, what can our company do better than any of its competitors? In other words, finding the strengths of the company is crucial. Another question a corporation can ask themselves is what could be learned by diversifying? And are we sufficiently organized to learn it? When diversifying, managers will receive a large amount of data that will include competitive assessment, market forecasts, and internal rate of return calculations. To be successful, these managers must easily interpret this information and learn from it to help make the best-informed decision for corporate shareholders. Diversity improves business outcomes (Herring, 2017). In conclusion, diversification can be done, and companies like Disney and General Electric are testaments of successful corporate diversification.

References

Herring, C. (2017). Is Diversity Still a Good Thing? American Sociological Review, 82(4), 868-877.

Moyer, R. C., McGuigan, J. R., & Rao, R. (2018). Contemporary financial management. Mason, OH: Cengage-Southwestern.

BUS 150 – Individual Tableau Project (20 points)

BUS 150 – Individual Tableau Project (20 points)

1. The project focus is on a Tableau Story. Your Tableau Story should have at least 5 different views of the data, but you can create as many worksheets and charts that are necessary to present a complete understanding of your data. Based on the data you analyzed, your Tableau Story needs to present your findings to your customer and tell an interesting and convincing story, showing what the data tells you.

2. Analyze any one dataset that is ready to download from the webpage (Sample Data tab in https://public.tableau.com/en-us/s/resources).

3. Steps

a. Download Dataset for specific data domain, understand topic/problem via data

b. Use Excel to cleanse data as needed, use Tableau to visualize data and build Story

c. Make PPT file for a better Story.

4. Files to be included in the submission:

a. Tableau Packaged Workbook file (.twbx)

b. A PowerPoint (PPT) file with the DataStory and your messages

5. The project is due April 8th (Wednesday) 11:59 pm.

6. Grading rubric

CATEGORY 3 2 1
Introduction/

Problem presentation/

Motivation

(2 points)

N/A *exceptional introduction that grabs interest of audience and states topic.

**purpose is exceptionally clear, arguable, well-developed, and motivation is clearly stated.

*proficient introduction that is interesting for audience and states topic.

**purpose is clear and motivation is somehow present.

Quality of Information/

Analysis (6 points)

*exceptionally researched, extremely detailed, and accurate.

*excellent analysis of solution, detailed explanations.

*information relates to the main topic.

*good analysis of solution, some explanations missing.

*information relates to the main topic, few details and/or examples are given. *some analysis is presented.
Organization

(2 points)

N/A *exceptionally clear, logical, mature, with excellent transitions within topics/slides. *clear and logical order that supports thesis with good transitions within topics/slides.
Use of Diagrams/Tables/ Resources (6 points) *excellent use of diagrams to enhance the paper, motivate the reader and summarize relevant content. *good use of diagrams, tables. *basic use of resources, tables or diagrams somewhat unclear.
Conclusion

(2 points)

N/A *excellent summary of topic with concluding ideas that impact audience. *summary of topic with concluding ideas.

TECHNOLOGY, INNOVATION, AND CREATIVITY

Module 1

TECHNOLOGY, INNOVATION, AND CREATIVITY

Video material

Required Reading

Camison, C. & Villar-Lopez, A. (2014) Organizational innovation as an enabler of technological innovation capabilities and firm performance. Journal of Business Research. 67. 2891-2902. Available in the Trident Online Library.

Tidd, J. (2006). A review of innovation models. London, UK: Imperial College London. Retrieved from http://www.emotools.com/static/upload/files/innovation_models.pdf

Van Woensel, L. et al. (2015) Ten technologies which could change our lives: Potential impacts and policy implications. Eurpoean Partiamentary Research Service. Retrieved October 21, 2017, from http://www.europarl.europa.eu/EPRS/EPRS_IDAN_527417_ten_trends_to_change_your_life.pdf

Optional Reading

Cajaiba-Santana, G. (2014) Social innovation: Moving the field forward. A conceptual framework. Technological Forecasting & Social Change. 82:42–51. Retrieved November 15, 2017, from http://www.prpg.ufla.br/admpublica/wp-content/uploads/2014/02/artigo_6.pdf

Collinge, C. (2006) The impossibility of innovation: towards a knowledge-based approach. Paper for EURODITE meeting 30-31 March 2006. DG Research, European Commission, Brussels. Retrieved November 15, 2017, from https://www.birmingham.ac.uk/Documents/college-social-sciences/business/management/collinge/impossibility-of-innovation.pdf

Nacu, C.M & Avasilcai, S. (2015). A model of technological innovation process. Joint International Conference. Retrieved from http://www.toknowpress.net/ISBN/978-961-6914-13-0/papers/ML15-360.pdf

The Young Foundation (2012) Social Innovation Overview: A deliverable of the project: “The theoretical, empirical and policy foundations for building social innovation in Europe” (TEPSIE), European Commission –7th Framework Programme, Brussels: European Commission, DG Research. Retrived November 15, 2017, from https://youngfoundation.org/wp-content/uploads/2012/12/TEPSIE.D1.1.Report.DefiningSocialInnovation.Part-1-defining-social-innovation.pdf

Module 1 – Case

TECHNOLOGY, INNOVATION, AND CREATIVITY

Assignment Overview

In the readings for this module, you will find both discussions of the social processes of technological and social innovation as well as suggestions about where technologies may be going. Obviously, we can only touch on a few of the creative and innovative developments taking place around us. This assignment calls for you to further investigate specific kinds of innovations that are currently under development and think about how they will affect both using and non-using organizations and society generally down the road.

You can start with the background reading for suggestions about technologies to research, but you should also plan on doing searches using terms such as “emerging new creative technologies” or variants on that theme to identify new things you may not necessarily be aware of. Spread your search net broadly, and you will find a variety of interesting new developments to discuss.

Case Assignment

Prepare a 5- to 7-page paper in accordance with the following Assignment Expectations, on the topic:
“Emerging new creative technologies and what they will require organizations to do differently.”

Discuss at least three specific new technological developments that you know about personally or can research using the Internet. Describe them in some detail and provide references to them. Think about what they will require of their users that is not being done now, and how organizations might have to change to incorporate them. Estimate their long-term effects and what further developments they might stimulate. Conclude with a couple of paragraphs summarizing your conclusions across all the cases you have discussed.

Case Assignment Expectations

Length: The written component of this assignment should be 5-7 pages long (double-spaced) without counting the cover page and reference page.

Organization: Subheadings should be used to organize your paper according to the questions.

Grammar and Spelling: While no points are deducted for minor errors, assignments are expected to adhere to standard guidelines of grammar, spelling, punctuation, and sentence syntax. Points may be deducted if grammar and spelling impact clarity. We encourage you to use tools such as grammarly.com and proofread your paper before submission.

When you write your paper, make sure you do the following:

Answer the assignment questions directly.

Stay focused on the precise assignment questions. Do not go off on tangents or devote a lot of space to summarizing general background materials.

Use evidence from your readings to justify your conclusions.

Cite at least five credible resources.

Reference your sources of information with both a bibliography and in-text citations. See the Student Guide to Writing a High-Quality Academic Paper, including pages 11-14 on in-text citations. Another resource is the “Writing Style Guide,” which is found under “My Resources” in the TLC Portal.

Your assignment will be graded using the following criteria:

Assignment-driven Criteria: Student demonstrates mastery covering all key elements of the assignment.

Critical Thinking/Application to Professional Practice: Student demonstrates mastery conceptualizing the problem, and analyzing information. Conclusions are logically presented and applied to professional practice in an exceptional manner.

Business Writing and Quality of References: Student demonstrates mastery and proficiency in written communication and use of appropriate and relevant literature at the doctoral level.

Citing Sources: Student demonstrates mastery applying APA formatting standards to both in-text citations and the reference list.

Professionalism and Timeliness: Assignments are submitted on time.

Module 1 – SLP

TECHNOLOGY, INNOVATION, AND CREATIVITY

The overall aim of the Session Long Project assignments in this course is to facilitate the further development of your DBA project, by developing the core of the literature review for your draft project. This will entail developing a structure for the material to be reviewed, identifying and accessing different kinds of source material, and organizing the material to support the aims of the project. At the end of this course, you are expected to have a working draft of chapter 2 of your DBA project that you can take into the next course, in which you develop a research methodology for the project.

It is important to stress that what you are developing here is only a draft. You are not bound by what you develop in this series of assignments; everything is subject to modification and improvement as you move toward the project itself. But it is important to take these assignments seriously, since they build toward a usable chapter. The more work you are able to put into your project during this course, the less you will be playing catch-up later on in the program, and the easier it will be to complete your project and obtain your degree.

During Module 1, you are expected to take the introduction to your project that you developed in your previous course, and annotate it to identify key areas in which literature will need to be searched and the other kinds of background information that you will need to develop in order to support your project.

Specifically, you are to:

Review your draft introduction that you developed previously. Using a copy of this introduction, develop an annotation for each paragraph in your introduction in which you identify various kinds of source material that might back up and justify the points made in the paragraph. Try to be as complete as you can. At this point, you do not need to describe specific sources; just the general kind of material you would like to search out in order to support your arguments.

It is possible that some paragraphs may not actually call for sources, if they are merely bridging text or are filler. In this case, you may simply note that this is a filler paragraph. There should not be very many of these if your draft is well prepared.

You may choose to use the “review” function in Microsoft Word to present your annotations, or you may choose some other form. In any event, be sure that your annotations are clearly set off from your draft introduction by making them in a different color from the original text. Here is an example taken from a proposal, showing the kinds of annotations that this assignment seeks from you:

When you have completed annotating each paragraph in your introduction, submit the annotated draft as your project assignment for this module.

SLP Assignment Expectations

Length: The written component of this assignment should be a copy of your draft introduction, however long that might be, with the required annotations either in the margin or in the text.

You may take the opportunity to revise and improve your introduction as you proceed.

Grammar and Spelling: While no points are deducted for minor errors, assignments are expected to adhere to standard guidelines of grammar, spelling, punctuation, and sentence syntax. Points may be deducted if grammar and spelling impact clarity. We encourage you to use tools such as grammarly.com and proofread your paper before submission.
As you complete your assignment, make sure you do the following:

Answer the assignment questions directly.

Stay focused on the precise assignment questions. Do not go off on tangents or devote a lot of space to summarizing general background materials.

Your assignment will be graded using the following criteria:

Assignment-driven Criteria: Student demonstrates mastery covering all key elements of the assignment.

Critical Thinking/Application to Professional Practice: Student demonstrates mastery conceptualizing the problem, and analyzing information. Conclusions are logically presented and applied to professional practice in an exceptional manner.

Business Writing and Quality of References: Student demonstrates mastery and proficiency in written communication and use of appropriate and relevant literature at the doctoral level.

Citing Sources: Student demonstrates mastery applying APA formatting standards to both in text citations and the reference list.

Professionalism and Timeliness: Assignments are submitted on time.

Discussion 1: 

Reasons and purposes for literature reviews

Why do you think that project proposals and project reports typically require that there be a literature review included? What contribution does the literature review make to your project overall? Why is it important to make your literature review as comprehensive as you can?

300 Words

MHA 624 Continuous Quality Improvements & Risk Management

MHA 624 Continuous Quality Improvements & Risk Management

Discussion Question

Discuss the role of quality and risk management to health care outcomes, including challenges in collecting and analyzing quantitative data in the health care environment, components of quality, and the fundamentals of outcome measurement. Review quality and risk management tools and strategies.

Week 2 – Assignment

Case Study, Part I

Review Chapter 3 in the textbook. Prepare an analysis of Steps 1 through 3 of the MAPP Strategic Plan initiatives and apply at least three quality and/or risk management concepts, measures, and tools in your paper.

Your paper must be three to five double-spaced pages (excluding the title and reference pages). In addition to the text, utilize a minimum of two scholarly and/or peer-reviewed Preview the document sources that were published within the last five years. Your paper and all sources must be formatted according to APA style as outlined in the Ashford Writing Center.

https://content.ashford.edu/books/Fallon.9852.17.1

 Explain your rationale for including the data elements you provided in your summary comparison of your company within the overall market. 

  • It is easy to become too focused on the minutia of the numbers and lose sight of the larger picture of how a company is valued in the larger marketplace. In this portion of your report you will use the skills and content you mastered in your Adaptive Coach this week to analyze the company’s business and financial conditions and begin to create a macro-level view of the company and its performance within the market as a whole, as well as completing specific analyses that will help you to evolve your impressions of the company’s financial stability and long term health.
  • Include the following content in this section.
  • Summarize how Morgan Stanley compares to the overall market
  • Summarize what 3-5 market analysts are currently saying about the Morgan Stanley.
  • Calculate the value of the company’s financial assets by completing ratio analyses for Morgan Stanley for the last three fiscal years within the following bulleted categories. Provide a rationale as to whether each ratio is favorable or signals potential trouble for the company justifying your observations with evidence from the data and your findings.
  • These points need to be bulleted and enough information to make a 3 minute video:
  •  Explain your rationale for including the data elements you provided in your summary comparison of your company within the overall market. 
  • Explain why you chose the market analysts you included in your summary. 
  • Explain how the market analysts’ current opinions of the company compare to the picture you have formulated of the company thus far. 
  • Explain how the 10 ratio analyses of the company’s financial assets you calculated in your draft create a full picture of the overall health the company.1

    3

    Title of Your Essay

    Your First and Last Name

    Ashford University

    Course Code: Name of Course (e.g. ENG 122: English Composition II)

    Instructor Name

    Due Date

    Title of Your Essay

    Start the first paragraph here, which should introduce your reader to the subject you are writing about, as well as your particular position or claim. Do not label it “Introduction.” Instead, simply write your paper’s title as a level 1 heading: bold, centered, with title case. To learn more about what an introduction should include and what to include in a conclusion, please see the following resource: Introductions & Conclusions. You can use this template to help you format your paper. For longer papers, include level headings.

    The Writing Process

    Spend time planning your paper. A good practice is to brainstorm ideas and decide how to express the main idea or thesis, this is part of entering the scholarly conversation. Once you have a rough idea of what you want to discuss or argue, create an outline or list to help you organize the evidence you plan to present.

    Writing the Body Paragraphs

    Each paragraph of your assignment should be clear and easy to follow. We have several good resources to help you write a strong paragraph, such as How to Write a Good Paragraph page and the Integrating Research page.

    Level 2 Heading (Bold, Flush Left, Title Case)

    Level headings can be placed anywhere in your paper as a way to classify or organize your paper into sections. There are five levels; the first three levels are more commonly used in graduate-level assignments, whereas levels four and five may be used in longer papers (e.g., dissertation). Use level 2 headings to break level 1 into categories, level 3 to break up level 2, and so on. Do not move to a lower level of heading if there is only one section. As a general rule, check with your instructor about formatting expectations.

    Level 3 Heading (Bold, Flush Left, Italic, Title Case)

    Likewise, to show your readers where the paragraph begins when using a level 3 heading would be a great idea.

    Level 4 Heading (Bold, Indented, Title Case). In longer papers, you may use a level 4 heading to create even further subsections. In this case, note that the paragraph begins directly after a period on the same line as the level 4 heading. The level 5 headings follow the exact same conventions, only they would also be italicized.

    Using Citations Correctly

    In addition to being well-written, each paragraph should include an in-text citation to all information summarized, paraphrased, or quoted from outside sources. The Writing Center provides many resources to help you follow correct citation style and gives lessons and examples of how to paraphrase and cite sources. The Introduction to APA 7th Edition page is a good place to start.

    Using Tables, Graphs, Images, and Appendices

    For some papers and reports, you may choose to add a table, graph, or image

    within the body of the draft. Or you may choose to include an appendix at the end of your paper. These can help to provide a visual representation of data or other information that you wish to relay to your reader. Follow this guidance to understand when and how to use these features.

    References

    Author’s Last Name, Initials. (Publication Year). Title of article. Title of Periodical, volume #(issue #), pp–pp. http://doi:xx.xxxxxxxxxx

    Author’s Last Name, Initials. (Publication Year). Title of book. Location: Publisher.

    Author’s Last Name, Initials. (Publication Year). Title of digital book. http://www.xxxxxxx.xxxxxxxx

    Author’s Last Name, Initials. (Publication Year). Title of book with DOI. https://doi:xxxxxxx

    Editor’s Last Name, Initials. (Ed.). (Publication Year). Title of anthology. Location: Publisher.

    Producer’s Last Name, Initials (Producer), & Director’s Last Name, Initials (Director). (Year). Title of motion picture [Motion picture]. Country of Origin: Studio.

    **For help formatting your reference page, please see our Formatting Your References List page.

Which of these parties could have tipper or tippee liability in this case?

rior to beginning work on this discussion,

Assume Ken Hastings (cookout host) and Tim Daniels (Ken’s tennis partner) both bought stock in New World Industries as soon as the market opened on Monday and all profited 30% after the press announcement by Mrs. Chen. Pursuant to their agreement, Tim Daniels paid Ken Hasting 5% of the profit he made on the transaction.

  • With regard to Judith Chen, Steve Chen, Ken Hastings and Tim Daniels, which of these parties could be considered an “insider” under rule 10(b)(5) of the Securities Act of 1934? Explain why or why not.
  • Which of these parties could have tipper or tippee liability in this case?
  • Did Judith Chen’s actions in telling her husband about the settlement breach her fiduciary duty?
  • Who actually obtained a personal benefit from the tip and how?

Your initial response should be a minimum of 200 words.

Links:

Inside Trader Video:  https://www.viddler.com/embed/1f5a9785/?f=1&autoplay=0&player=full&secret=97426822&loop=0&nologo=0&hd=0

  • Posted: 12 Hours Ago
  • Due: 09/04/2020
  • Budget: $8

would you be satisfied to meet the EPA required level or would you install the additional controls you believe necessary to achieve a reasonably safe level?

rior to beginning work on this discussion,

  • Browse the United States Environmental Protection Agency’s (EPA’s) Laws & Regulations web page (Links to an external site.).
  • Review Chapter 4 of the course textbook.

Suppose a manufacturing facility emits into the air a chemical that it has reason to believe is inadequately regulated by the EPA and that poses a significant threat to nearby residents even at levels lower than permitted by the EPA. As manager of the facility, would you be satisfied to meet the EPA required level or would you install the additional controls you believe necessary to achieve a reasonably safe level? Keep in mind that installing these controls would be expensive and you can anticipate resistance from corporate executives as well as shareholders. Explain why or why not. Support your answer with one or more of the ethical theories from Chapter 4 of the course textbook. Your initial response should be a minimum of 200 words.

Link to web page:   https://www.epa.gov/laws-regulations

What are the three most important takeaways/lessons from the material provided in this module? (150 words or more)

The written assignment must follow APA style and format.

1. What are the three most important takeaways/lessons from the material provided in this module? (150 words or more)

2. What do you believe is the ideal role of government? Should we have a smaller government?  Should we increase the size of our government?  Or, do you think it is about the right size? (100 words or more)

After reading the syllabus, share the following (100 words or more):

3. At least two important elements in the syllabus.

4. Something you found interesting.

5. Have you taken online courses before?  If so, what did you find helpful/useful that contributed to your learning?

#Please meet the requirement

#These links are the material provided in this module

 

https://www.youtube.com/watch?v=wLyh5fSTLLw&feature=youtu.be

https://www.youtube.com/watch?v=wLyh5fSTLLw&feature=youtu.be

and I also post the PPT and  video in the files.

Pick one of the following terms for your research: Compliance, codes of ethics, ethics officers, formal controls, or ethics audit.

Pick one of the following terms for your research: Compliance, codes of ethics, ethics officers, formal controls, or ethics audit.

Each student will select one of the key terms above and conduct a search of Campbellsville University’s online library resources to find 1 recent peer-reviewed academic journal article (within the past 3 years) that closely relate to the concept.

Instructions

Your submission must include the following information in the following format:DEFINITION: A brief definition of the key term followed by the APA reference for the term; this does not count in the word requirement.
SUMMARY:Summarize the article in your own words- this should be in the 150-200 word range. Be sure to note the article’s author, note their credentials and why we should put any weight behind his/her opinions, research or findings regarding the key term.
DISCUSSION:Using 200 words, write a discussion, in your own words the way the article relates to the selected chapter Key Term. A discussion is not rehashing what was already stated in the article, but the opportunity for you to add value by sharing your experiences, thoughts and opinions. This is the most important part of the assignment.
REFERENCES: All references must be listed at the bottom of the submission–in APA format

Edit question’s body