Author: Custom Essay

What is the maximum amount of new loans that this bank can make?

Macro economics essay

Assignment 2: Changes in Monetary Policy

Prepare a 2-3 page analysis by answering the questions below. Be sure to cite your references using APA format.

Assume that the Bank of Ecoville has the following balance sheet and the Fed has a 10% reserve requirement in place:

Balance Sheet for Ecoville International Bank
ASSETS LIABILITIES
Cash $33,000 Demand Deposits $99,000
Loans   66,000    

Required:

Now assume that the Fed lowers the reserve requirement to 8%.

  1. What is the maximum amount of new loans that this bank can make?
  2. Assume that the bank makes these loans. What will the new balance sheet look like?
  3. By how much has the money supply increased or decreased?
  4. If the money multiplier is 5, how much money will ultimately be created by this event?
  5. If the Fed wanted to implement a contractionary monetary policy using reserve requirement, how would that work?

Deliverables:

Address the questions above, showing your calculations.  Develop your analysis in Microsoft Excel format. Enter non-numerical responses in the same worksheet using textboxes.

Name your document SU_ECO2072_W4_A2_LastName_FirstInitial.

Submit your document to the W4: Assignment 2 Dropbox

If you want to learn how to use Microsoft Excel, refer to the MS Excel tutorial link.

 

Assignment 2 Grading Criteria
Maximum Points
Met the criteria for the correct responses to the questions assigned. (6 points each)
30
Justified ideas and responses by using appropriate examples and references from texts, web sites, and other references or personal experience.
10
Wrote in a clear, concise, and organized manner; demonstrated ethical scholarship in accurate representation and attribution of sources; displayed accurate spelling, grammar, and punctuation.
10

Discuss three examples of “pragmatic environmentalist” in light of “our beliefs” and “our behaviors.” Make sure you provide examples.

“From Our Beliefs to Our Behaviors: Pragmatic Environmentalism in Action.” Discuss three examples of “pragmatic environmentalist” in light of “our beliefs” and “our behaviors.” Make sure you provide exampls

Essay 2 pages abuot :  “From Our Beliefs to Our Behaviors: Pragmatic Environmentalism in Action.” Discuss three examples of “pragmatic environmentalist” in light of “our beliefs” and “our behaviors.” Make sure you provide examples.

What is the total amount of interest paid over the life of this bond?

My professor handed us a take home quiz but I don’t understand how to do it. It’s probably super easy…

My professor handed us a take home quiz but I don’t understand how to do it. It’s probably super easy but here are the questions.

 

1. A ten year, 8 percent, 1,000 dollar bond is issued at 96.

a. How much does this bond sell for?

 

B. Was the market rate greater or less than 8%?

 

C. What is the total amount of interest paid over the life of this bond?

 

D. What is the total amount of interest expense recorded on this bond?

 

2. A ten year, 8 percent, 1000 dollar bond is issued at 102 3/4.

 

a. How much did this bond sell for?

 

B. Was the market rate of interest greater or less than 8%?

 

C. What is the total amount of interest paid over the life of this bond?

 

D.  What is the total amount of interest expense recorded on this bond

Identify one (1) of these works (or some other by an African American artist) that you would like in your workplace.

Twentieth Century African-American Artists; Postmodern Architecture” Please respond to one (1) of the following, using sources under the Explore heading as the basis of your response:

  • Choose two (2) of the following late 20th century African-American artists, and compare and contrast their art: Bearden, Lawrence, Basquiat, or Colescott. Describe specific elements of the works from the chosen artists that represent the multiplicity of the African-American experience. Identify one (1) of these works (or some other by an African American artist) that you would like in your workplace, and explain why.
  • Choose one (1) example of architecture that you believe best exemplifies the characteristic post-modern style. Provide a rationale for your selection, and describe two (2) of the features of post-modern style that you find intriguing.

Explore:

African American Artists of the Twentieth Century

 

Postmodern Architecture

Evaluate the tools commonly used in estate planning, including trusts, life insurance, and annuities.

ESTATE PLANNING RECOMMENDATION WRITING ASSIGNMENT (Life and Health Insurance)

ESTATE PLANNING RECOMMENDATION WRITING ASSIGNMENT (Life and Health Insurance)

ESTATE PLANNING RECOMMENDATION WRITING ASSIGNMENT:

 

Students should be able to assess personal needs in order to determine which types of life and health insurance plans fit best.

Write a three to five page paper on Estate Planning

 

Evaluate the tools commonly used in estate planning, including trusts, life insurance, and annuities. Compare the tools as to how they would apply to the Jones Family described below.

John Jones became 58 years old in March of this year and has $75,000 in his regular IRA (on April 1 of this year, after contributions for last year) and $35,000 in taxable savings accounts. He is the sole owner and president of Jones Technical, Inc. (an S corporation), which generates $150,000 in pretax cash flow per year after the owner’s salary of $50,000. He would like to leave the business to his two sons (ages 23 and 27), but neither has expressed a current desire to be part of the business, and John wonders if they would be willing to put in necessary time into the business to continue its success. He would like some type of supervision of his sons if he left the business to them when he died.

The building that houses the business operations is owned by John and his wife (who is age 56) as joint tenants and is free of any liens. The building was recently appraised at $400,000 and the Jones believe the value of the building will continue to appreciate as the population of the area increases. The remainder of the Jones’ estate consists of $250,000 in personal property (home, furniture, cars – all with no debt). John has a term life insurance policy with a $250,000 death benefit. Mrs. Jones has no life insurance coverage. Mrs. Jones has no interest in continuing the business if John should die prematurely. The Jones live in a common-law state that does not have a state death tax.

 

Make a recommendation for an estate plan for the Jones Family.

 

The grading criteria include:

Explain how the application layer manages distributed applications and their protocols.

NTC 406 WK5IND

Select one of the following topics:

  • Video teleconferencing
  • VoIP security
  • Smart building control protocols
  • Energy management systems

Write a 2- to 3-page paper based on that topic that covers the following:

  • Define upper layer applications.
  • Explain how the application layer manages distributed applications and their protocols.
  • Describes the application protocols associated with these services.

Format according to APA guidelines.

What did you learn from the experience regarding the course material this week?

NTC 406 WK5 FILE SHARING

Choose either of the following.

Write a 2- to 3-page paper to explain your choice.

Explain what your process was and how the experiment went. Were you successful? What did you learn from the experience regarding the course material this week?

Experiment choice #1:  File Sharing Program

Download a current version a file sharing program such as BitTorrent and use it to download a file.

Write a 2- to 3-page paper to document any information you can about the transfer, speed, locations of sources, etc.

Summarize your experience with this process.

Experiment choice #2 – Video Conferencing Program

Find a classmate or other person who will work with you.

Download the latest version of a video conferencing program such as Skype and establish a session with the other person.

Write a 2- to 3-page paper to document any information you can about the transfer, speed, locations of sources, etc.

Summarize your experience with this process.

Format your choice according to APA guidelines.

Explain how Borealis Manufacturing could change its overhead application system to eliminate confusion over product costs.

act2

Assignment 2: Manufacturing Overhead

Borealis Manufacturing has just completed a major change in its quality control (QC) process. Previously, products had been reviewed by QC inspectors at the end of each major process, and the company’s 10 QC inspectors were charged to the operation or job as direct labor. In an effort to improve efficiency and quality, a computerized video QC system was purchased for $250,000. The system consists of a minicomputer, fifteen video cameras, and other peripheral hardware and software. The new system uses cameras stationed by QC engineers at key points in the production process. Each time an operation changes or there is a new operation, the cameras are moved, and a new master picture is loaded into the computer by a QC engineer. The camera takes pictures of the units in process, and the computer compares them to the picture of a “good” unit. Any differences are sent to a QC engineer, who removes the bad units and discusses the flaws with the production supervisors. The new system has replaced the 10 QC inspectors with two QC engineers.

The operating costs of the new QC system, including the salaries of the QC engineers, have been included as factory overhead in calculating the company’s plant-wide manufacturing-overhead rate, which is based on direct-labor dollars. The company’s president is confused. His vice president of production has told him how efficient the new system is. Yet there is a large increase in the overhead rate. The computation of the rate before and after automation is as follows:

Before After
Budgeted Manufacturing Overhead 1,900,000 2,100,000
Budgeted Direct Labor Cost 1,000,000 700,000
Budgeted Overhead Rate 190% 300%

“Three hundred percent,” lamented the president. “How can we compete with such a high overhead rate?”

Using the module readings and the Argosy University online library resources, research manufacturing overhead.

Review the situation. Complete the following:

  • Define “manufacturing overhead,” and:
    • Cite three examples of typical costs that would be included in manufacturing overhead.
    • Explain why companies develop predetermined overhead rates.
  • Explain why the increase in the overhead rate should not have a negative financial impact on Borealis Manufacturing.
  • Explain how Borealis Manufacturing could change its overhead application system to eliminate confusion over product costs.
  • Describe how an activity-based costing system might benefit Borealis Manufacturing.

Write a 3–4-pages paper in Word format. Apply APA standards to citation of sources. Use the following file naming convention: LastnameFirstInitial_M2_A2.doc.

By Wednesday, December 9, 2015, deliver your assignment to the M2: Assignment 2 Dropbox.

Assignment 2 Grading Criteria
Maximum Points
Defined manufacturing overhead giving three examples of typical costs that would be included in manufacturing overhead.
16
Explained why companies develop predetermined overhead rates.
16
Explained why the increase in the overhead rate should not have a negative financial impact on Borealis Manufacturing.
16
Explained how Borealis Manufacturing could change its overhead application system to eliminate confusion over product costs.
20
Explained how an activity-based costing system might benefit Borealis Manufacturing.
16
Wrote in a clear, concise, and organized manner; demonstrated ethical scholarship in accurate representation and attribution of sources; and displayed accurate spelling, grammar, and punctuation.
16
Total:
100

Business-to-business customer exchanges among the e-business’s business/organizational customers.

3 slides with 200–250 words of speaker notes per slide

The e-business’s board of trustees wants Will Learner to provide assurances that the e-business’s health institute’s traditional customer constituents are served well by its e‑marketing process. Mr. Learner has turned to your team to provide current information on the ability of online portals, such as the e-business health institute Web site, to facilitate more adaptable links among the e-business customer types.

As a team, you will draw on your e-marketing expertise to compose a presentation analyzing the following 4 key strategic connections availed by the e-business’s health institute Web site portal:

  • Business-to-business customer exchanges among the e-business’s business/organizational customers
  • Business-to-customer exchanges between the e-business’s business/organizational customers and its individual consumer network of online users and visitors
  • Customer-to-business exchanges between the e-business’s individual consumer students/users and business/organizational customers
  • Customer-to-customer exchanges among the e-business’s constituents

In addition, President Learner has made you aware of the extreme concern among powerful members on the Med Ed board of trustees regarding ethical and cross-cultural considerations associated with an online learning platform. Your team’s presentation should also propose policies for ethical safeguards related to online privacy and guidelines for embracing cross-cultural ethnic health care education diversity considerations.

Individual Portion:

Each member of the team should research and complete the e-business presentation slides for one of the following:

  1. B2B-pattern e-marketing processes that entail exchanges among business/organization customers (e.g., financial donors supporting suppliers/vendors, or advertisers promoting educational involvement of health care organizations): 2 slides
  2. B2C-pattern e-marketing processes that entail exchanges between business/organization customers and individual consumer students/users (e.g., health care organizations and practical student learning, or government agencies and student financial aid): 2 slides
  3. C2B-pattern e-marketing processes that entail exchanges between individual consumer students/users and business/organizational customers (e.g., administrative records management for health care organizations, or online advertising graphics for advertising sponsors): 2 slides
  4. C2C-pattern e-marketing processes that entail exchanges among individual consumers (e.g., providing health care education webzine/blog subscriptions, or selling health care education merchandise such as electronic textbooks and virtual lab programs): 2 slides
  5. Ethical and cross-cultural considerations related to the e-business’s online safeguards for health care education and student ethnic diversity: 2 slides.

The final product should include both a group overview and introduction to the e-business customer exchange patterns as target markets in the e-marketing process strategy at the beginning (1–2 slides) and a summary of the e-business e‑marketing process implementation strategy for the 4 key customer exchange patterns at the end

Explain the essential skills that would make a person successful in each of the described positions.

dis/assg

FINANCE

Homework 1

Complete the following homework scenario:

  • Required:

    Compare the results of the three (3) methods by quality of information for decision making. Using what you have learned about the three (3) methods, identify the best project by the criteria of long term increase in value. (You do not need to do further research.) Convey your understanding of the Time Value of Money principles used or not used in the three (3) methods. Review the video titled “NPV, IRR, MIRR for Mac and PC Excel” (located athttps://www.youtube.com/watch?v=C7CryVgFbBc and previously listed in Week 4) to help you understand the foundational concepts:

    Scenario Information:

    Assume that two gas stations are for sale with the following cash flows; CF1 is the Cash Flow in the first year, and CF2 is the Cash Flow in the second year. This is the time line and data used in calculating the Payback Period, Net Present Value, and Internal Rate of Return. The calculations are done for you. Your task is to select the best project and explain your decision. The methods are presented and the decision each indicates is given below.

Investment Sales Price CF1 CF2
Gas Station A $50,000 $0 $100,000
Gas Station B $50,000 $50,000 $25,000

  • Three (3) Capital Budgeting Methods are presented:

  1. Payback Period:Gas Station A is paid back in 2 years; CF1 in year 1, and CF2 in year 2. Gas Station B is paid back in one (1) year. According to the payback period, when given the choice between two mutually exclusive projects, the investment paid back in the shortest time is selected.
  2. Net Present Value:Consider the gas station example above under the NPV method, and a discount rate of 10%:

    NPVgas station A = $100,000/(1+.10)2 – $50,000 = $32,644

    NPVgas station B = $50,000/(1+.10) + $25,000/(1+.10)2 – $50,000 = $16,115

  3. Internal Rate of Return:Assuming 10% is the cost of funds; the IRR for Station A is 41.421%.; for Station B, 36.602.

Summary of the Three (3) Methods:

o    Gas Station B should be selected, as the investment is returned in 1 period rather than 2 periods required for Gas Station A.

o    Under the NPV criteria, however, the decision favors gas station A, as it has the higher net present value. NPV is a measure of the value of the investment.

o    The IRR method favors Gas Station A. as it has a higher return, exceeding the cost of funds (10%) by the highest return.

Assignment

Careers in Finance

Finance is an exciting field in need of intelligent, skilled people. The job opportunities range from corporate finance; financial planning; investment banking; insurance; and real estate from individuals, institutions, government, and businesses. Finance managers acquire, spend, and manage money and other financial assets.

Use the Internet and / or Strayer Resource Center to research career options within the field of finance. Consider the Bureau of Labor Statistics Website, and the Websites of finance professional associations such as the Association for Financial Professionals (AFP), Society of Financial Service Professionals (SFSP), The National Association for Personal Financial Advisors (NAPFA), and Financial Management Association International (FMA).

Write a two to three (2-3) page paper in which you:

  1. Describe two (2) financial career options that an individual with a finance education might pursue and explain the value that such a position adds to a company.
  2. Explain the essential skills that would make a person successful in each of the described positions.
  3. Recommend one (1) of the career options. Identify the most attractive features of the position.
  4. Format your assignment according to the following formatting requirements:
  5. Typed, double spaced, using Times New Roman font (size 12), with one-inch margins on all sides.
  6. Include a cover page containing the title of the assignment, the student’s name, the professor’s name, the course title, and the date. The cover page is not included in the required page length.