1. What does the term ‘shadow economy’ mean? 2. How does the shadow economy affect GDP in different countries? 3. What are the main factors influencing the shadow economy? 4. Why is the shadow economy a challenge for the governments?

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GDP and shadow economy

Click on Resources – Library – type the title of the article in the Search window and Read the articles. You can also use pdf. files with the articles posted in Content – Week 1 – Articles for Discussion week 1 area.

  • “More Americans Work in the Shadow Economy” by Zumbrun, Joshua
  • “Cultural Implications for the Shadow Economy”  by Buszko, Andrzej Tomasz
  • “On Estimating the Size of the Shadow Economy  by Kirchgässner, G 
  • “Shadow Economies on the Rise Around the World”  by Prentice, Chris

In your initial response to the topic you have to answer all questions:

1. What does the term ‘shadow economy’ mean?

2. How does the shadow economy affect GDP in different countries?

3. What are the main factors influencing the shadow economy?

4. Why is the shadow economy a challenge for the governments?

5. Reflection – the students also should include a paragraph in the initial response in their own words, using macroeconomic terminology, reflecting on specifically what they learned from the assignment and how they think they could apply what they learned in the workplace or in everyday life.

Please also note that your answers should be written in your own words. Don’t use quotes from the articles.

You are an investment advisor and your clients, Marilyn and David, require your services. Marilyn and David are both 65 and are about to retire. They have no assets other than $1,600,000 in cash savings, and they have no debts. They wish to maintain their current lifestyle during their retirement years. Their current annual living expenses are $120,000.

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Memo Assignment

Business Writing Across the Board (BWAC)

FINC 301

 

Background

You are an investment advisor and your clients, Marilyn and David, require your services. Marilyn and David are both 65 and are about to retire. They have no assets other than $1,600,000 in cash savings, and they have no debts. They wish to maintain their current lifestyle during their retirement years. Their current annual living expenses are $120,000. They have no children and they do not wish to bequeath any assets to charity (after their death). Marilyn and David are in excellent health and have a normal life expectancy. They are, however, concerned about the possibility of outliving their retirement income (i.e., longevity risk). They will rely entirely on their cash savings to support themselves financially during their retirement years. Furthermore, they have a strong aversion to risk.

Marilyn and David have decided to use their cash savings to purchase an annuity that will provide them with the necessary income to cover their living expenses over their retirement years. They initially consult with Ms. Sheila Young who is an investment advisor at Merrill Lynch about purchasing their desired annuity.  Ms. Young is a very experienced advisor and she claims that she could get Marilyn and David a much higher annual income than they require because she “knows” how to invest their savings in financial instruments that can yield at least 15% per year. This rate of return is well above the current and historical average return for U.S. stocks as measured by the S&P 500 index.

            Marilyn and David want you to provide a “second opinion” of the analysis done by the Merrill Lynch advisor.  Specifically, they want you to write a memo to Ms. Young that compares the two alternatives and highlights the risks and benefits of each alternative.  They feel certain that Ms. Young is not giving due consideration to assumptions and variables that will impact their decision (e.g., market risk, the clients’ risk tolerance, life expectancy, among others), but they don’t know how to articulate their concerns to her.  Therefore, since you speak “finance” they would like you to prepare this memo on their behalf.

 

Assignment

Write a memo to Ms. Sheila Young containing the following information:

  • Provide a professional and financially sound critique where you identify the problem(s), if any, with her investment analysis.
  • Conduct your own comprehensive investment analysis where you address any problem(s) identified using the appropriate methods (e.g., formulas, models, etc.) and assumptions; and provide the appropriate insight from your analysis.
  • Recommend one or more specific, clearly explained actions that address the problem(s) identified based on your investment analysis; and support your recommendations using your analytical results.

 

 

Grading and Instructions

The grade on this assignment will be equally divided (50/50) between the analytical quality of your argument (reasoning ability) and clarity of thought, correct use of grammar, punctuation, etc. (writing skills). Please note, simply providing “numbers” is insufficient to obtain a passing grade. Please provide your analysis in a clear and analytically sound memo that supports your final recommendations/conclusions. All supporting tables and graphs must be clearly presented and labeled.

 

Resources

I have made available the following supporting documents/files on the course website (i.e. Moodle):

  • Reasoning rubric
  • Writing rubric

You are encouraged to read all available documents before completing your work. Also, the following website may be a useful source of information. Here you can find detailed instructions on how to write a memo, sample memos and memo templates:

http://owl.english.purdue.edu/owl/resource/590/01/

o Explain the topic as it relates to the Juvenile Justice field. o Discuss the current state of your topic in the Juvenile Justice field as well as some of the unresolved or controversial issues that might be present. o What implications has it had on the Juvenile Justice field?

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Overview:
As you start to navigate the Juvenile Justice field you will find many topics of interest.
This research paper will be a topic that interests you. There are many topics in the
Juvenile Justice field that you can choose from; many of which are discussed as part of
this course. This research paper will explore the topic in Juvenile Justice.
Instructions:
• Conduct research on a topic of interest within the Juvenile Justice system.
Through your analysis of the subject you should demonstrate your understanding
of the concepts studied throughout the term by incorporating facts about the
juvenile justice system and the societal impact of the topic you have chosen for
your final paper.
• In addition to the research conducted on the topic, include answers to the
following:
o Explain the topic as it relates to the Juvenile Justice field.
o Discuss the current state of your topic in the Juvenile Justice field as well
as some of the unresolved or controversial issues that might be present.
o What implications has it had on the Juvenile Justice field?
Requirements:
• Submit a Word document in APA format.
• Maximum ten pages in length, excluding the Title and Reference pages.
• At least ten resources.
Be sure to read the criteria below by which your work will be evaluated before
you write and again after you write.
CRJ201 – Juvenile Justice
Research Paper
Evaluation Rubric for Research Paper Assignm

Identify at least one area of grammar or punctuation in which you think you have room for improvement. How could you work towards the goal of improving in this area? Answer in one paragraph.

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Discussion 1

WRTG 112 is a required course for all students, so that is probably one reason you are taking it. However, we all have individual backgrounds and goals that affect how we approach a learning experience. Read over the course syllabus, and then post your responses to the following questions in two paragraphs:

  1. What prior experiences do you have that inform how you approach this class? This could be, for example, writing experience that you think will either help or hurt you as you work on the academic writing assigned in class.
  2. What are some of your aspirations (educational, professional, or other goals) that you can work toward by taking Introduction to Writing, and how might this course help you on your path toward your goals? Which, if any, of the reasons for taking college courses discussed by Michelle Singletary in “Getting to the Real Point of College” apply to you?

Discussion 2

 

Personal Grammar Challenges

Each week in WRTG 112, we will have a brief lesson on a grammar or punctuation topic, and you will be encouraged to apply the lesson to your own writing. At the same time, you can be working toward your own goals for improved mastery of grammar and punctuation.

Initial post (by Friday):

Identify at least one area of grammar or punctuation in which you think you have room for improvement. How could you work towards the goal of improving in this area? Answer in one paragraph.

What is the reason for calling Chicago cubs “cubs”? What is the history behind it? During the turn of the time (18 to 1900), teams did not have official nicknames this lead to the newspapers changing what they called teams every few years.

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What is the reason for calling Chicago cubs “cubs”? What is the history behind it?

During the turn of the time (18 to 1900), teams did not have official nicknames this lead to the newspapers changing what they called teams every few years. Since the Chicago baseball club had an unusual number of very young athletes, this leads to them being called the “orphans” for a few years. Chicago had a huge orphan dilemma at the moment so people didn’t bother for the nickname, so the newspapers began calling them the “cubs”(baby bears).

The Cubs organization started out life as the Chicago White Stockings (a name that was later appropriated by the cross-town rival Chicago White Sox) and changed its name to the Chicago Colts in 1890 because of the relative youthfulness of the team. When the owner refused to renew the contract of the team manager, Cap Anson, in 1898, the club became known as the ‘Orphans’ and remained so for three years.

Orphans is a pretty odd name for a team, a new nickname was sure to emerge before too long – and after the dismal season of 1901, the club began a rebuilding project, using rookies and other young players. Check out the most amazing collection of Chicago cubs hats and Chicago cubs shirts.

A few years later the National league picked teams that required to have official nicknames as some towns were preparing 2 or 3 teams( earlier each team was called [city name] baseball club) so the “Chicago baseball club” officially stuck with “Chicago Cubs “.

Discuss Homicide as it relates to law enforcement, court and corrections. (Minimum 4 pages) Three scholarly sources for law enforcements Three scholarly sources for courts Three scholarly sources for corrections

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Discuss Homicide as it relates to law enforcement, court and corrections. (Minimum 4 pages)

Three scholarly sources for law enforcements

Three scholarly sources for courts

Three scholarly sources for corrections

Analyze the Reverse Engineering Google’s Innovation Machine case, paying particular attention to the table on page 6 and 7. Of these factors, which could be easily imitated by other companies?

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MIDTERM ASSESSMENT – Reverse Engineering Google

Written assignment (case)

Activity brief

 

BSD313 – Innovation Management for Digital Media

Online campus

Professor: Anthony Lawson | alawson@euruni.edu

 

DescriptionAnalyze the Reverse Engineering Google’s Innovation Machine case, paying particular attention to the table on page 6 and 7. Of these factors, which could be easily imitated by other companies?FormatThis activity must meet the following formatting requirements:

·         Font size 12

·         Double-spaced

·         2000 words

·         Harvard Referencing System

·         pdf only

Goal(s)Analyze the Reverse Engineering case.Due dateDate: Monday, 21 June 2021

Time: 14:00

Weight towards final gradeThis activity has a weight of 40% towards the final grade.
Learning outcomes1.  Outcome one Understand the concept of innovation, and critically compare innovation, creativity, R & D and other associated terms.

 

2.  Outcome two Assess innovation in the context of digital media.

 

Assessment criteriaSee rubric below.

 

 

 

 

Rubric: written assignment

CriteriaAccomplished (A)Proficient (B)Partially proficient (C)Borderline (D)Fail (F)
Problem identification

(25%)

The business issue has been correctly identified, with a competent and comprehensive explanation of key driving forces and considerations. Impact on company operations has been correctly identified. Thorough analysis of the issue is presented.The student correctly identified the issue(s), taking into account a variety of environmental and contextual drivers. Key case information has been identified and analyzed.The student correctly identified the case (issues), considering obvious environmental/contextual drivers. There is evidence of analysis, but it lacks depth.The student correctly identified the issue(s) but analysis was weak. An absence of context – the work is basically descriptive with little analysis.The student failed to correctly identify the issue(s); analysis was incorrect or too superficial to be of use; information was misinterpreted.
Information gathering

(25%)

The student showed skill in gathering information and analyzing it for the purposes of filling the information gaps identified. Comprehensive and relevant.Relevant information gaps were identified and additional relevant information was found to fill them. At least two different types of sources were used. The student demonstrates coherent criteria for selecting information but needs greater depth.The student correctly identified at least one information gap and found relevant information, but which was limited in scope. Some evidence of sound criteria for selecting information but not consistent throughout. Needs expansion.An information gap was identified and the student found additional information to fill it. However, this was limited in scope. Weak criteria for the selection of necessary information.Information was taken at face value with no questioning of its relevance or value. Gaps in the information were not identified or were incorrect.
Conclusions

(25%)

The student evaluated, analyzed, synthesized all information provided to create a perceptive set of conclusions to support the decisions and solutions.The student evaluated, analyzed and synthesized to create a conclusion(s) which support decisions and solutions.The student reached conclusions, but they were limited and provided minimal direction for decision-making and solutions.The conclusion was reasonable but lacked depth and would not be a basis for suitable strategy development.The student formed a conclusion, but it was not reasonable. It was either unjustified, incorrect or unrelated to the case in hand.
Solutions

(25%)

The student used problem solving techniques to make thoughtful, justified decisions about difficult and conflicting issues. A realistic solution was chosen which would provide maximum benefit to the company. Alternative solutions were explored and ruled out.The student used problem solving techniques to make appropriate decisions about complex issues. Relevant questions were asked and answered. A realistic solution was chosen. Alternatives were identified, explored and ruled out.The student used problem-solving techniques to make appropriate decisions about simpler issues. The solution has limited benefit but does show understanding of implications of the decision. Alternatives were mentioned but not explored.The student used problem solving techniques to make decisions about simpler issues but disregarded more complex issues. Implications of the decision were not considered. Alternatives were not offered.The student formed a conclusion, but it was not reasonable. It was either unjustified, incorrect or unrelated to the case in hand.

 

Q1-based on service experience give us details that as a future nurse , how might this experience help you to better serve your patients? q2 why is the support of volunteers important when it comes to meeting that need? q3 As future coordinator in the community, what can you continue to do support this population? q4 concludes with statement of implications for future practice(as a nurse).

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Q1-based on service experience give us details that as a future nurse , how might this experience help you to better serve your patients?

q2 why is the support of volunteers important when it comes to meeting that need?

q3 As future  coordinator in the community, what can you continue to do support this population?

q4 concludes with statement of implications for future practice(as a nurse).

On the basis of the knowledge you gained from your readings, respond to the following questions: It can be difficult to accurately forecast a project’s cash flows because many risk factors may be present. As an analyst, what will you do to increase the accuracy of the project’s cash flow forecasts? Provide details of the techniques that you would use and explain why.

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Week 3 Discussion

 

Before beginning work on this week’s discussion forum, please review the link Doing Discussion Questions Right, the expanded grading rubric at the end of this assignment, and any specific instructions for this week’s topic.

By the due date assigned, respond to the discussion questions below and submit your responses to the Discussion Area. By the end of the week, comment on your classmates’ responses.

Respond to the questions using the lessons and vocabulary found in the reading.

Support your answers with examples and research and cite your research using the APA format.

Start reviewing and responding to the postings of your classmates as early in the week as possible.

Forecasting and Financing Projects

On the basis of the knowledge you gained from your readings, respond to the following questions:

It can be difficult to accurately forecast a project’s cash flows because many risk factors may be present. As an analyst, what will you do to increase the accuracy of the project’s cash flow forecasts? Provide details of the techniques that you would use and explain why.

Some firms use more debt in their capital structure than other firms. Some would argue that the use of debt in the capital structure enhances the owners’ return on their investments. Others would say that the use of debt only increases the level of risk for the owners of the company. Which argument do you agree with and why? Explain your position. If debt is to be used when raising funds for a capital investment, how would you determine the proper level of debt? Explain your answer using examples.

Comment on the postings of two of your classmates. Do you agree with their position? Why or why not?

Explore the advantages and disadvantages of surveys in terms of cost, ease, and impact on students. Explore the advantages and disadvantages of focus groups in terms of cost, ease, and impact on students. Explore the advantages and disadvantages of interviews in terms of cost, ease, and impact on students.

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Indirect Assessment Methods

Supporting Lecture:

Review the following lecture:

  • Indirect Measures

Before beginning work on this discussion forum, please review the link Doing Discussion Questions Right, the expanded grading rubric for the forum, and any specific instructions for this topic.

Indirect assessment explores how individuals feel or perceive a particular situation. While many faculty and administrators in higher education employ a combination of indirect assessment methods, common choices are surveys, focus groups, and interviews.

From the bullet point list below, select one topic for which you will lead the discussion in the forum this week. Early in the week, reserve your selected topic by posting your response (reservation post) to the Discussion Area, identifying your topic in the subject line. Be specific about your topic so that someone else could select the same bullet point but focus their post differently. By the due date assigned, research your topic and start a scholarly conversation as you respond with your initial or primary post to your own reservation post in the Discussion Area. Make sure your response does not duplicate your colleagues’ responses.

  • Explore the advantages and disadvantages of surveys in terms of cost, ease, and impact on students.
  • Explore the advantages and disadvantages of focus groups in terms of cost, ease, and impact on students.
  • Explore the advantages and disadvantages of interviews in terms of cost, ease, and impact on students.

Additionally, provide a brief paragraph describing a personal or professional experience where you participated in an indirect assessment—survey, focus group, or individual interview—and explain how that experience impacted your understanding of the material this week.

As the beginning of a scholarly conversation, your initial post should be:

  • Succinct—no more than 500 words.
  • Provocative—use concepts and combinations of concepts from the readings to propose relationships, causes, and/or consequences that inspire others to engage (inquire, learn). In other words, take a scholarly stand.
  • Supported—scholarly conversations are more than opinions. Ideas, statements, and conclusions are supported by clear research and citations from course materials as well as other credible, peer-reviewed resources.

******* Please include citations to justify your premises. The general rule is one citation per paragraph.

******Cite from your course text in addition to outside/relevant scholarly resources.