...Tracy Thompson EXP 105 Essay Explaining learning to someone who has not taken this class yet is quite simple. Learning is simply taking something unknown and being able to use and apply it to something in your daily life. My views of learning has expanded, because it has taught me how to learn better and expanded on my thought process on how to absorb information better for my learning style. I still feel my definition is the same looking back at week one but to add to that it must be catered to your own personal learning style in order to be a successful learner. In terms of learning I typically Use First my technical reasoning learning pattern, because I like to try to figure things out on my own first. Then if I need to, I use my precise learning pattern and ask questions or seek help for my professor or other resources. I tend to use my sequence often as well making sure I am organized and staying on task. Confluence helps me to brainstorm and get my creative juices flowing. It also helps me to piece the information that I have learned together because I am learning in my own way. These are my learning pattern scores, sequence 27, precise 23, technical 31 and confluent 27. Sequence, technical and confluent are my Use First level of use and Precise is Use as needed, with these scores I am considered a Strong Willed Learner. My strategy is simple, dive right in. After reading, whether it be to complete a reading assignment, instructions to a discussion, assignment or quiz...
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...When you come to a point in your life when you’re faced to make significant choices or changes you are entering a new cycle of learning. Because of the depths of its outcomes this type of learning is known as transformational. The four stages of transformational learning are recognizing the problem, confronting it, finding the solution, and integrating a new perspective and a new set of assumptions into your life. These stages are often stressful and overwhelming. I have experienced transformational change 4 years ago. The situation I was unfortunately faced with was the death of my husband. I was more or less in denial for a while of the problem. After sometime passed I sat down and thought to myself I have to face this, the biggest reason was for my daughter. I knew that I had to carry on with my life not just for myself but for her as well. After sitting down and realizing this isn’t going away and it’s not a bad dream I knew I had to confront the situation with all I had. This was not easy. I never thought I would have to confront such a problem. By confronting it I found even though it was painful it was helpful. I knew that until I confront this I can’t fix it. After what seemed took forever I came up with not necessarily a solution to what had happened but I figured out what I’m going to do from here on out. Moving forward was my biggest plan I knew there’s no going back and no point of dwelling on the past. I also found a way to handle the grief in a better way by joining...
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...Motivation What motivates me most to pursue a college degree is that I am learning and receiving more knowledge and becoming more aware. The professional field that I’m in at Emory University, Patient Liaison, there are some guidelines that applies which they definitely support. The more Education and Degrees you have, the more annual income you will generate, and it would be nice to get more income to provide for myself and family. In addition, my kids motivate me because they are achieving what I should have done a long time ago, attending college. My daughter is in her last year and my son is in his first year. I attempted to try college myself but was unsuccessful, but both of my kids are in school and doing well. I want to feel like I have achieved something by completing this program and receiving my Bachelor Degree. That’s what motivates me. Purpose My main purpose in seeking a college degree is to advance my professional career where I am currently employed as well as start my own business. I also want my kids to know that I've achieved a major stepping-stone by getting my Bachelor’s Degree. That would make me feel accomplished. My purpose is to achieve and learn all I can from Ashford University. By attaining this degree, I will be able to apply myself better in the workforce or start up my own business on top of the volunteer work I do now in a furniture store. Values The values that I am demonstrating by seeking my college degree is for one I’m...
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...EXP 105 was excellent! As I entered college I was not sure what to expect. EXP 105 has opened new opportunities for me in my future. One very important thing you will learn from this class is learning how to learn. There are many ways of learning. We experience learning from taking in the word around us. In chapter 1, we learn that learning involves connecting the experiences and making sense out of each and every experience we encounter. There are many different ways of learning. It’s the way we take in information and, or experiences. You will learn from this course that learning has changed in certain areas over hundreds of years. Back in the 21st Century people were never allowed to have their own judgement. People were not...
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...EXP 105 Personal Dimensions of Education Ashford Purchase here http://homeworkonestop.com/exp-105-personal-dimensions-of-education-ashford WEEK 1 Discussion Question 1 Discussion Question 2 Quiz 1 WEEK 2 Assignment, Writing Exercise 1- Motivation Discussion Question 1 Discussion Question 2 Quiz 2 WEEK 3 Discussion Question 1 Discussion Question 2 Quiz 3 WEEK 4 Assignment, Writing Exercise 2: Gardner’s Theory Discussion Question 1 Discussion Question 2 Quiz 4 WEEK 5 Final Writing Assignment, Transformational Learning Discussion Question 1 Discussion Question 2 Quiz 5 EXP 105 Personal Dimensions of Education Ashford Purchase here http://homeworkonestop.com/exp-105-personal-dimensions-of-education-ashford WEEK 1 Discussion Question 1 Discussion Question 2 Quiz 1 WEEK 2 Assignment, Writing Exercise 1- Motivation Discussion Question 1 Discussion Question 2 Quiz 2 WEEK 3 Discussion Question 1 Discussion Question 2 Quiz 3 WEEK 4 Assignment, Writing Exercise 2: Gardner’s Theory Discussion Question 1 Discussion Question 2 Quiz 4 WEEK 5 Final Writing Assignment, Transformational Learning Discussion Question 1 Discussion Question 2 Quiz 5 EXP 105 Personal Dimensions of Education Ashford Purchase here http://homeworkonestop.com/exp-105-personal-dimensions-of-education-ashford WEEK 1 Discussion Question 1 Discussion Question 2 Quiz 1 WEEK 2 Assignment, Writing Exercise 1- Motivation Discussion...
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...EXP 105: Week 4 Personal Strategy Card Name: A. LCI Scores Sequence Precision Technical Reasoning Confluence Record your LCI scores in the boxes provided. 29 33 27 24 B. Carefully describe the degree to which you use each of your Learning Patterns. (Refer to the Personal Learning Profile you developed for your Week Two assignment and any feedback provided by your instructor to determine if you need to refine your responses as you complete this section.) Sequence: My whole life has been built on structure and going step by step. My whole family being Army veterans as enabled me to have a structure about things. Precision: Again, the Army has helped me with precision as well. Gaining the biggest understanding with every decision I make so I can complete a task correctly. Technical Reasoning: I use this as needed. I sit and analyze every situation and their possible outcomes. Confluence: I like to figure things out mostly by brainstorming. Thinking outside the box and different ways that I may not have used first before. C. Identify all verbs and specific terms from the assignment instructions and describe how each Learning Pattern will be used to effectively complete the Week 5 assignment. (Critically review the Final Reflection assignment in Week Five and decode it.) Sequence: Thinking of what needs to be completed. Brainstorming and recording all info that is thought of. Organize them from start to finish. Read over it and make sure...
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...David’s Story sounds like most of the people in the world today. Struggling to make ends meet because they either gave up on school or felt they were not capable of doing further education. I saw it firsthand with my own older brother. Thankfully he ended up pursuing his goal and finishing high school to enter the Marine Corps. He always said that decision was what saved his life from the inevitable chaos that was to bestow on him. However, my own learning situation started when I first graduated from military training and began technical school. I did not enjoy my job from the beginning because I knew what was waiting for me once I got to my duty station. In all honesty, my job is terrible when you compare it to almost any other job besides a select few. There is a lot of rules and regulations you must memorize and supervision is abysmal. Technical school was a little bit of a struggle when it came time for me to show certain things because I had zero interest and zero motivation to do it. I had problems back at home with my mother’s health deteriorating and someone telling me how much the real job is going to suck once I start. I failed my hands on portion and failed a block test as well but redid both and passed. There are a couple things I could have done differently like not listen to what anybody has to say and find out on my own for it to be true. Which I eventually did but it would have benefited me in technical school at least. I could have also at least tried to take...
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...Worksheet 1.1 Reflect on These Success Factors Motivation: What motivates me most to pursue a college degree? My #1 motivation for pursuing my college degree is my family. I have now realized that the 3 little faces I have to look at everyday motivates me to continue and finish my education. I express to them how important education is but I too must be an example. I have to “practice what I preach.” I would also love to pursue my dream of becoming an Educator and not feel like I failed at earning my degree. PURPOSE: What is my main purpose in seeking a college degree? My main purpose of seeking a degree is to realize my dream of becoming a Pre-K Teacher. First of all, I love kids and it has always been my dream and passion to be an educator. Teachers have a very important role of shaping the lives of youth children. I was not able to finish my degree when I was younger because I was not mentally prepared for college. I gave-up my dream to get married and start a family. Only now after 15+ years am I mentally ready and determined to finish what I started. VALUES: What values am I demonstrating by seeking my college degree? The value I am demonstrating in seeking my college degree is determination. Being determined is having made a firm decision and being resolved not to change it. I have had to change my way of thinking and realize I wasn’t prepared to be in college at 18. I was a small town Christian girl and college was scary to me. Going back home to my small...
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...Product: Household Products - Food products Eggs Dozens/Last 30 Days Heavy (3+) (Principal Shoppers) Total Homemakers Total '000 Proj '000 Pct Pct Down Index Across Total 141733 48358 34.1 100 100 Men 44420 14028 31.6 29 93 Women 97313 34330 35.3 71 103 Educ: Graduated college plus 41659 13053 31.3 27 92 Educ: Attended college 26178 8880 33.9 18.4 99 Educ: Graduated high school 43231 14855 34.4 30.7 101 Educ: Did not graduate HS 17494 7196 41.1 14.9 121 Educ: Post graduate 14126 4437 31.4 9.2 92 Educ: No college 60726 22051 36.3 45.6 106 Age: 18-24 11341 3651 32.2 7.6 94 Age: 25-34 25619 8540 33.3 17.7 98 Age: 35-44 26425 10283 38.9 21.3 114 Age: 45-54 28853 10327 35.8 21.4 105 Age: 55-64 23150 7798 33.7 16.1 99 Age: 65+ 26345 7760 29.5 16 86 Adults 18-34 36959 12191 33 25.2 97 Adults 18-49 77986 28059 36 58 105 Adults 25-54 80897 29150 36 60.3 106 Men 18-34 12552 3867 30.8 8 90 Men 18-49 25324 8107 32 16.8 94 Men 25-54 25949 8194 31.6 16.9 93 Women 18-34 24407 8324 34.1 17.2 100 Women 18-49 52662 19953 37.9 41.3 111 Women 25-54 54948 20956 38.1 43.3 112 Occupation: Professional and Related Occupations 20927 6610 31.6 13.7 93 Occupation: Management, Business and Financial Operations2151 1 3960 32.6 8.2 96 Occupation: Sales and Office Occupations 20680 6559 31.7 13.6 93 Occupation: Natural Resources, Construction and Maintenance Occupations 4605 1624 35.3 3.4 103 Occupation: Other employed 22283 7936 35.6 16.4 104 HHI: 150,000+ 12467 3975 31.9 8.2 93 HHI: $75,000-$149,999 36833 12942...
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...Question 1: From this case study, it showed how Lehman Brothers walked down to the end of it business. Through Lehman Brothers’ case, it reflects the ugly side of a corporate. A big recognized company collapse due to it unsuccessful leadership management, culture and dishonesty by it people caused the company walked down to the end of it business. There are several points showed how it gone bankrupted. By using the ethical perspective to look at Lehman Brothers’ situation, it showed that the company being dishonest to it clients, failure in the company leadership and corporate management are the major problems that lead to the company downfalls. As a Wall Street icon, they disappointed the public and being irresponsible towards their actions, against the ethnical issue by not being honest to review the actual situation of the company, but using others method to cover it annual report. In my opinion, the top management is the main issue that caused the downfall of Lehman Brothers. According to the case study, it mentioned the major problem at Lehman was culture and reward, it showed the top management of the company did not have a structure way to motivate and guide their employees on the appropriate way of doing tasks. For example, individuals who makes questionable deals were hailed and treated as “conquering heroes” and the others who questionable the decision was often being ignored. This shows that the company only wants to have short term earning instead of...
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...Lehman Brothers Holdings Inc. The control break downs of Lehman Brothers Holdings Inc. included the massive amount of money borrowed to fund its investments. A considerable portion of this investment was in real estate, which made the investment defenseless against a fall in the market. Lehman also used one of its small companies to reallocate investments off its books. The firm was active in the market for Residential Mortgage Backed Securities (RMBS). The process involved buying several residential mortgages, combining them and selling them as securities. RMBS buyers actually purchased claims on the cash flow generated by the securities. Lehman produced a great amount of these securities, making the demand high for mortgage originators. This led mortgage originators to extend credit to people who were not credit worthy, or did not have enough income causing these people to have upside down mortgages on their homes when housing prices plummeted in 2006. In 2000, the stock market started to decline and the Federal Reserve significantly reduced interest rates. These lower interest rates caused inexpensive mortgage payments, which lead to a large demand for homes. Homeowners took advantage of the low interest rates and refinanced their mortgages. In 2008, Lehman announced that they would file for bankruptcy after a huge loss in the market, a loss of investors and their inability to find an adequate buyer. Soon after, their collapse set the market into panic mode...
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...Word Article Analysis Unethical Practices in Accounting ACC/291 Principles of Accounting 2 Michaele Musters Instructor: Word Article Analysis of Unethical Practices in Accounting Ethical Practices and conducts maybe taken or act different by everyone, thus many times to identify unethical practices and behaviors, we have to see who is in control. It is essential to analyze what can be done, or thought what might be done against legally acceptable accounting principles and conducts. The Sarbanes-Oxley act of 2002, was enacted by The United States Congress to protect investors from fraudulent accounting practices, made by fraudulent executives in corporations. After the Scandal, the entire accounting world changed in many ways, that it created a new vision and ways of work. It sort of created a world of winds of anxiety for corporate executives and accountants. In the Sarbanes-Oxley act , there is a section call 302 that requires management to certify the accuracy of the reported financial statement. Then all corporations were forced to reform strictly to improve financial disclosures to prevent accounting frauds. After the Act, management introduced internal control in order to comply with all the Sarbanes-Oxley act requires for a corporations behavior. Today, all corporations are obligated to certify the company’s financial reports. They are also responsible and they must take full responsibility if there is a misleading, or fake accounting information...
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...ignored basic regulatory rules which created financial danger. Basic rules are the way companies grow and expand. Their desire to make money at all cost was more important than following basic ethical values. 2) What was the culture at Lehman Brothers like? How did this culture contribute the company’s downfall? The culture at Lehman Brothers was to take risks at all costs. When Transactions were presented to them they ignored the warning signals costing them. This eventually led to shady deals which eventually lead to the company’s downfall. Repo 105 is a good example of how Lehman misused this device to get some $50 billion of undesirable assets of its balance sheet at the end of the first and second quarter of 2008, instead of selling those assets at a loss. They continued to take lots of risks which caused them to lose a lot of money, there by bringing down there previously good name. They did tax deals like Repo 105 and didn’t care if it was legal or not. 3) What role did Lehman’s executives play in the company’s collapse? Were they being responsible and ethical? Discuss. They were very stubborn, and displayed very bad conduct and poor judgment. Valuka’s report was highly critical of Lehman’s executives who should have done more, done better. He pointed...
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...Repo 105 On September 15th 2008, the fourth largest U.S investment bank, Lehman Brothers, filed for chapter 11 bankruptcy. With revenues peaking at $19.2 billion in 2007 and over $600 billion in assets, the collapse of Lehman became the largest bankruptcy in history. Lehman’s demise was attributed to their aggressive investment strategy and significant exposure to the subprime mortgage market. As the housing bubble grew, Lehman Brothers acquired several mortgage lenders, some of the acquired firms frequently made loans to home buyers without full documentation (Jeffers 2011). When consumers began defaulting on mortgages and market conditions began to unravel, Lehman as well as many other banks faced huge losses. The write down of debt securities had significant adverse effects on Lehman’s balance sheet. Furthermore, credit rating agencies began focusing more on leverage ratios of investments banks. Lehman’s leverage ratios were already extremely high. A downgrade on Lehman’s credit rating would have sent Lehman’s share price on a downward spiral and hinder their ability to receive financing. In order to prevent these occurrences Lehman would have to sell some of its assets or raise capital. Lehman was unable to sell any of its assets or raise any capital because no one knew what the value of their complex mortgage securities were. In response to deteriorating economic conditions the investment bank used a very aggressive accounting maneuver called “Repo 105”, its...
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...other purposes” (Kimmel, Weygandt, & Kieso, 2011). Mainly, the act was a result of the continuous increase in the number of accounting scandals that can be related to falsification of entries on company’s financial statements. Some of the recent examples of corporate and accounting scandals were that of Enron, Adelphia, Tyco International, World Com, and Peregrine Systems, among others (Levine, 2013). The objective of this paper is to focus on and analyze one of such scandals. In this paper, the Lehman Brothers’ issue with the SEC regarding their malicious use of the Repo 105 maneuver will be studied, focusing on the audit report that the external CPA firm issued, speculations on the company’s statements, analysis of the management and auditor’s responsibility in the falsified financial reporting, the sanctions under the SOX and key actions that the concerned regulatory boards should make. Repo 105 Securities and Exchange Commission Accounting Scandal with Lehman Brothers and Ernst and Young Analysis of the Audit Report When the great financial crisis of 2008 erupted, it left a lot of United States corporations, mostly financial firms, under the water. Some of them were offered bail by the United States government but the damage was so severe plus the government could only do so much that only a handful of the bankrupted companies were saved by the bail offer. Lehman Brothers was one of the unfortunate companies...
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