...Flirting With Risk When Mary Owens’ husband, Ralph, passed away about three months ago he left behind a small fortune, which he had accumulated by living a very thrifty life and by investing in common stocks. Ralph had worked s an engineer for a surgical instruments manufacturer for over 30 years and had taken full advantage of the company’s voluntary retirement savings plan. However, instead of buying a diversified set of investment he had invested his money into a few high growth companies. Over time his investment portfolio had growth to about $900,000 being primarily comprised of the stocks of 3 companies. He was very fortunate that his selections turned out to be good ones and after numerous stock-splits the prices of the three companies had appreciated significantly over time. Mary, on the other hand, was a very conservative and cautious person. She had devoted her lie to being a stay-home mom and had raised their two kinds into fine adults, each of whom had a fairly successful career. Jim, 28, had followed in Ralph’s footsteps. In addition to being gainfully employed as engineer, he was pursuing an MBA at a prestigious business school. Annette, 26, was completing her residency at a major metropolitan hospital. Although Mary and Ralph had enjoyed a wonderful married life, it was Ralph who managed almost all the financial affairs of their family. Mary, like many spouses of their generation, preferred to focus on other family matters. It was only after Ralph’s passing...
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...The Sexual Being “My 4-year-old son has said to me that he is sad to be a boy. He loves to play with dolls, play dress up with my high heels and jewelry, and prefers to watch “girlie” cartoons and movies rather than things that should appeal to boys. Is he going to be gay or does he truly want to be a girl?” Kids experimenting with their gender roles are completely normal and it’s around age four and five when children begin understanding (generally) what makes them a boy or a girl. This means this developmental period is even more important for parents to cherish and foster, not restrict and forcibly shape. “The greatest difficulty for children and adolescents who are homosexual or who identify with the opposite sex is the social pressure they feel to behave heterosexually, and the discrimination they may experience because of their sexual orientation or gender identification. This may isolate them from their peers and even their family, and their self-esteem and self-confidence can suffer terribly in the process. A large proportion of teenage suicide attempts are linked to issues of gender confusion and to perceived rejection of an adolescent with a homosexual orientation.” (Schor) Children at your son’s age play with toys of the opposite sex; they are discovering their gender identity. Some children just grow out if it and their gender identity is that as the sex they were born; then there are children who truly feel as if they are in the wrong body and their gender...
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...Case 10- Corporate Bonds-They Are More Complex Than You Think; Bond Analysis and Valuation Case 11- How Low Can It Go?; Application of Stock Valuation Methods Case 12- What Are We Really Worth; Valuation of Common Stock Case 13- The Lazy Mower: Is It Really Worth It?; Estimating Cash Flow-New Project Analysis Case 14- If the Coat Fits, Wear it; Replacement Project Analysis Case 15- The Dilemma at Day-Pro; Comparison of Capital Budgeting Techniques Case 16- Too Hot to Handle; Capital Budgeting Case 17- Flirting with Risk; Risk and Return Case 18- I Wish I Had a Crystal Ball; Real Options and Capital Budgeting Case 19- Can One Size Fit All?; Determining the Cost of Capital Case 20- We Are Not All Alike; Divisional Costs of Capital Case 21- Where Do We Draw the Line?: Marginal Cost of Capital and Capital Budgeting Case 22- EVA ? Does It Really Work?; Economic Value Added (EVA) Case 23- It’s Better to Be Safe Than Sorry!; Evaluating Project Risk Case 24- Look Before You Leverage; Debt Versus Equity Financing Case 25- Is It Worth More Dead or Alive?; Bankruptcy and Reorganization Case 26- Is It Much Ado About Nothing?; Dividend Policy Case 27- Timing Is Everything!; Working Capital Management Case 28- Getting Our Act Together; Cash Budgeting Case 29- The Elusive Cash Balance;...
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...How does drinking alcohol increase a women’s chance of being sexually assaulted? “College attendance is a risk factor for sexual assault. According to the U.S. Department of Justice, one in five women who attend college will be the victims of a completed or attempted sexual assault, compared to one in six women in the general population”. (Wade P1) The most well known way is extreme intoxication. When a woman becomes very debilitated from too much to drink she can not become efficient enough to resist an assault. In some cases women have been sexually assaulted while being unconscious from too much alcohol consumption. Excessive drinking by college students has always been an issue and years of research have proven this. This particular topic...
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...Flirting with Risk 1. Imagine you are Bill. How would you explain to Mary the relationship between risk and return of individual stocks? If I were Bill, I would explain to Mary that the relationship between risk and return is simply the additional compensation for bearing risk. If she were to invest in more risky securities, the return may be higher, but if the market falls, her losses could also be quite large. With risky assets, the possibility of it losing value is also greater, compared to a risk-free or low-risk asset. As Mary is described to be a ‘conservative and cautious’ person, she would need to move out of risky assets and invest in lower-risk securities. In order to have a guaranteed expected return, she must invest in securities or assets that are low-risk but would not have as big of a return 2. Mary has no idea what Beta means and how it is related to the required return of her stocks. Explain how you would help her understand these concepts. The Beta is an indication of the amount of systematic risk present in a risky investment, compared to an average risky asset. The beta only represents systematic risk, as unsystematic risk can be diversified enough that it does not exist. An asset with a beta of 1 means that it is of average risk compared to the market. Essentially, the beta of a particular asset will tell you how the stock will perform if the market were to change. If the asset Mary is holding as a beta of 2, and the market dropped by 20%, that particular...
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...Differences in Communication Between Genders Roscoe Purdue University Abstract The differences in correspondence styles among men and women have been a subject of interest for research for quite a while. These differences may provoke miscommunication, battle, and even frustration between couples. This study looks at the communication styles among men and women, more especially between married couples. It questions how the different genders express their thoughts and feelings that may lead to conflicts. The study will be driven utilizing an in-depth analysis of what causes miscommunication that leads to conflicts. Qualitative research is the method that will be used to gain an in-depth look at why the genders have some of their communication problems. The goal is to increase the amount of awareness regarding communication styles and how it relates better marital communication to aid in the prevention of miscommunication and the decrease a lot of conflicts because of it. Today, divorce has become a very common part of life, and it is likely that ineffective communication plays a crucial role in the failure of many marriages. Communication may lead to the success of a marriage or to its detriment, depending on its level of effectiveness. This effectiveness of communication is likely connected to the overall satisfaction of married couples and is worthy to be studied in order to increase marital satisfaction. Learning more about the differences in communication styles...
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...1a. Wal-Mart is a US based multinational retail company that sells general merchandise and groceries. It has grown over the last fifty years into the largest retailer in the world. Today, nearly 260 million customers visit more than 11,500 stores under 65 banners in 28 countries and e-commerce sites in 11 countries each week. With fiscal year 2015 net sales of $482.2 billion, Wal-Mart employs 2.2 million associates worldwide – 1.4 million in the U.S. alone. One of the strengths of Wal-Mart is the scale of operations. Wal-Mart is the largest retailer in the world with more than $400 billion in revenue and 10,130 stores. It makes Wal-Mart a giant retailer that is very difficult for other companies to compete with. Due to such large scale of operations, the company can exercise strong buyer power on suppliers to reduce the prices. It can also achieve higher economies of scale than competitors because of its size. Higher economies of scale results in lower prices that are passed to consumers. Another strength is cost leadership strategy. This strategy has helped Wal-Mart to become the low cost leader in the retail market. Wal-Mart sells products at the lowest price possible and providing a no frill services to achieve higher economies of scale and attract huge numbers of consumers. It sells products at much lower prices than competitors do, builds warehouse style superstores that contain extensive range of products but doesn’t offer much additional benefits or services. All of...
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...Cross Cultural Perspectives The Walmart Corporation is a major American retailer. Walmart is the largest and most successful general merchandise retailer from the US. However, when Walmart attempted to branch out into new countries they failed time and time again. Is this report I am going to cover a few of the reasons they failed in several countries. Identifying the actual issues at fault. Then describe the issues in detail and how they affect Walmart as a result of being a global company. Walmart Cultural Issues One major issue Walmart ran into is bulk sales. In America people travel longer distances with their own cars and buy enough food to last them a month or more in one trip. It is typical for foreign countries to buy food daily. Foreign cultures are more accustomed to buying fresh food from butchers or local markets. Additionally Walmart is notorious for selling items in bulk. This again is an American cultural habit. In most foreign cultures people take public transportation or walk to the stores. This they do not have the ability to buy multiple bottles of shampoo at once, and prefer to buy it one bottle at a time. On a different note, Walmart failed again on the design of their stores. I will use South Korea as example here, mainly because I lived there for four years and have experienced all of these. In South Korea everything is about presentation. Their largest vendors, E-Mart, Home-Mart, etc. are all finished with an artistic design. They...
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...Cross Cultural Perspectives M Viens ETH/316 November 24, 2014 Aubrey Weekes Cross Cultural Perspectives The Walmart Corporation is a large, major, and successful retailer in the United States. Walmart’s attempt at branching out in countries such as China, Mexico, Brazil, and Germany has failed. Globally Walmart is not performing well; they have had difficulties in these countries. Their global revenues, “grew by a mere 1% in 2013, and its revenue per square feet declined by 4.2%” (Team, 2014). The China market does not add much to Walmart’s profits, but it is important to Walmart in regards to enduring perspective. Mexico is a principle global site, but there are many problems there also. In Germany, Walmart failed basically because they thought they could implement American standards in the stores. Walmart is handling these issues, and solving them would be their main concern (Team, 2014). Walmart Culture Issues Hong Kong, Indonesia, and South Korea are failures for Walmart, mainly due to not adhering to the cultures of these countries, and abiding a code of ethics. A couple of obstacles are food and products were placed on shelves, not in line with the country, and stores were constructed a long distance from the cities making it difficult for people to reach them. Foreign people many of them walk to stores or take public transportation. American people will travel to buy food stocking up for a month or more. Buying in bulk is a major issue...
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...Social networking sites (SNSs) are increasingly used by young people. Critically evaluate claims that their use can have negative effects on users. Recent years have witnessed the exponential increase of web-based social networks, also known as social networking sites (SNSs). By the end of 2011, there were approximately 2.3 billion people (around one third of the global population) using the Internet, and 1.03 billion (about 45%) of which have reported using a social networking site at least once a day (International Telecommunications Union, 2011:1). According to Papacharissi (2009:199), the increasing popularity and the growth of the leading SNSs such as Facebook, My Space, Twitter and LinkedIn are due to the fact that they offer users various platforms to create their own profiles to represent themselves to interact with each other through emails, instant messages and many other integrated communication tools. While a variety of definitions of the term SNS have been suggested, this essay will use the one first suggested by Boyd and Ellison (2007:210) who saw it as: “web-based services that allow individuals to construct a public or semi-public profile, communicate with other users with whom they share a connection and view and navigate through their own list of connections as well as those of others.” As more people are becoming SNS users, it could be argued that more negative than positive impacts on society and human relationships can be seen in daily life (Ybarra...
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...Sex Education is meant to educate students about sexual harassment. Students must be taught the difference between friendly teasing and bullying, between flirting and harassment. Behavior expectations must be clearly defined and explained; fair and consistent consequences need to be outlined and reinforced. According to the CDC, nearly 1 in 5 women and 1 in 71 men have been sexually assaulted. Another solution is to have schools bring in empowering speakers who have gone through these same experiences. If people see someone who has gone through a tragedy and pulled out on top, many could be inspired to speak out. According to the U.S. Department of Justice, 80% of students and 67% of non students did not report their sexual assault incident to the authorities. Additionally, another solution would be to have students be aware of ways to get help or report an incident. One way that this could happen...
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...to achieve this: one by following the rules, the other cheating the rules. Communism reeducation does not have the intended effect on the boys, as it unsuccessfully changes the mindset of the boys due to the influence of Western Literature, causing them to take dangerous risks, feel jealous of others, and involve others with the ideas of Western Literature, which goes against Communism reeducation. One way how Communism reeducation unsuccessfully changes the mindset of the boys is acts of taking dangerous risks. One example of a dangerous risk the narrator and Lou took...
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...| Consensual Relationship Agreement | Leadership and Organizational Behavior Strayer UniversityBUS520Dr. Browder CoatesInstructor | | | Janice DixonJuly 24, 2012 | The office seems to be a hotbed of romance and a more effective one than dating Web sites or the corner bar. The social nature of many workplaces provides the perfect environment to get to know your co-workers. Between get-togethers every Friday after work with alcohol, food, and possibly music (which leads to dancing) and the softball and volleyball teams, barbeques and pot lucks, there are plenty of opportunities for employees to enjoy each other’s company. HR Solutions’ 2009 National Normative data confirms that 88 percent of all workers strongly feel the people they work with are friendly. We all spend so much time at work and are often attracted to people who share common interests; it only makes sense that one of these very friendly co-workers is going to eventually jump to the top of your dating to-do list. A study by Vault.com shows that almost half of us have been romantically tied to someone at work and that workplace relationships often can be successful; roughly one-quarter result in long-term relationships and even marriage. It is believed that people are more likely to date a coworker in the office rather than someone outside of the workplace. Although, romantic relationships are common in the office, many employers are increasingly turning to consensual relationship agreements. A Consensual...
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...| Consensual Relationship Agreement | | | The office seems to be a hotbed of romance and a more effective one than dating Web sites or the corner bar. The social nature of many workplaces provides the perfect environment to get to know your co-workers. Between get-togethers every Friday after work with alcohol, food, and possibly music (which leads to dancing) and the softball and volleyball teams, barbeques and pot lucks, there are plenty of opportunities for employees to enjoy each other’s company. HR Solutions’ 2009 National Normative data confirms that 88 percent of all workers strongly feel the people they work with are friendly. We all spend so much time at work and are often attracted to people who share common interests; it only makes sense that one of these very friendly co-workers is going to eventually jump to the top of your dating to-do list. A study by Vault.com shows that almost half of us have been romantically tied to someone at work and that workplace relationships often can be successful; roughly one-quarter result in long-term relationships and even marriage. It is believed that people are more likely to date a coworker in the office rather than someone outside of the workplace. Although, romantic relationships are common in the office, many employers are increasingly turning to consensual relationship agreements. A Consensual Relationship Agreement (CRA) is essentially a written “contract” in which the romantically involved parties acknowledge...
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...Results Sexism, also known as gender discrimination, is often in combination with male chauvinism, the belief that women are inferior to males therefore, deserving of less than equal treatment or benefit. Women should know their place. They should know that place does not include anywhere men consider their stronghold. For a woman to do so, even now in the 21st century is risky, and at times outright dangerous. Women who aspire to, or compete with the male dominated, or male stereotyped roles become vulnerable. She risks being called a man, a feminist, a lesbian, or obscene four letter words. Although these words injure emotionally, they are not just words, they have a purpose. They are meant to humiliate, degrade and dehumanize. The ideology of those words allows her antagonist to justify, in his mind, the imposed consequences of her non-conformist activities. These consequences very often escalate, what may start out as harassment, justified as just flirting, can...
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