...Hyperion Trusts (proprietary mutual funds sold by Wood Gundy brokers) b. Mutual fun business growth required new professional management c. Brokers wanting more flexibility in the configuration of 5.5% commission from Hyperion and .5% service fee every year thereafter (depends on age ex. Younger wants the upfront commission) → wanted a more flexible pricing structure 2. ? 3. No-Load: you can buy and redeem the mutual fund units/shares at any time without a commission or sales charge. However, some companies such as banks and broker-dealers may charge their own fees for the sale and redemption of third-party mutual funds. Front End Load: fee is charged up front (charge for shares purchased + sales fee) Back End Load: fee is charged when you redeem the mutual fund a. Investor to firm i. No load: MER → management expense ratio - measure of what it costs an investment company to operate a mutual fund. An expense ratio is determined through an annual calculation, where a fund's operating expenses are divided by the average dollar value of its assets under management. Operating expenses are taken out of a fund's assets and lower the return to a fund's investors. ii. FEL: MER iii. BEL: MER + redemption charge (usually % of initial investment – around 4-8%) b. Investor to broker i. No load: nothing ii. FEL: sales commission based on % of investment iii. BEL: nothing c. Firm to broker i. No load: nothing ii. FEL: annual front service fee as a % of assets based on type of...
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...Implement Entertainment Concepts Project Surgical Stryke, the Army Band’s rock group, will be performing at a recruiting mission at Steele High School in Cibolo, TX. The rock band will be performing in the cafeteria, during the student’s lunchtime. The lunch periods will run 25 minutes with 10 minute breaks in-between. The band will perform at all three lunch periods. I will send out a publicity packet to the High school three weeks before the performance. There will be a cover letter thanking the school for inviting us to perform. It will also confirm the performance date and time, as well as list the anticipated arrival time of the group for set up and sound check. All of my contact information will be included for any questions or changes that may arise. A copy will be sent to the area recruiter and all correspondence with the school will be coordinated with the recruiter. This publicity packet will include posters/flyers to display throughout the school, an information packet on the band itself with biographies of the members, and a technical spec sheet explaining the power and space requirements of the group. I will coordinate with the recruiter to line up appropriate Army items to give away during the performance. These will range from miniature footballs and key chains to water bottles and t-shirts, plus any other items that are deemed appropriate by the recruiter and the school administration. The recruiter will have a table and display set up in the...
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...of the fashion world with the best of the discount world, a quality store with quality merchandise at discount prices, and a discount supermarket...75 departments in all. Shopping at this new store will be fun, delightful and welcoming to the entire family. The stores will include wide aisles, easy-to-shop displays, fast checkout and, loads of well-lighted parking. A man by the name of Stewart K. Widdess was tasked to name and define this new retail store. Widdess and his staff debated more than 200 possible names (Target). In a burst of red-and-white inspiration, they come up with "Target" and immediately envision a classic Bullseye logo. The reasoning behind the choice was, "As a marksman's goal is to hit the center bulls-eye, the new store would do much the same in terms of retail goods, services, commitment to the community, price, value and overall experience" (Target). On May 1, 1962, Target's first grand opening was in Roseville, Minn. It was marketed as a "new idea in discount stores. Target differentiates itself from other retail stores by combining many of the best department store features, fashion, quality and service, with the low prices of a discounter. Created as, "a store you can be proud to shop in, a store you can have confidence in, a store that is fun to shop and exciting to visit," By the end of 1962, Target opens additional locations in St. Louis Park, Crystal and Duluth, Minnesota (Target). In the late 1960s, Target expands across the country to the...
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... Burnout on-the-job usually happens in human service work in high stress environment and has signs of emotional fatigue, exhausted, doubt of professional achievements and feelings of disconnection from clients. A worker wanting to climb the ladder of the organization after a short time may show “the type A personality” wanting to move away from clients and be in this for power and more money. Besides burnout poor attitude in the vision or mission with a competitive, non- trusting attitude quickly will bring an employee to burnout signs. The burned out staff has client problems displayed by the employee, developing multiple issues with clients, and negativity. The cause can be work related problems such as high case load, lack of choices and autonomy, lack of rewards, disrespect, and belief discrepancies among the team. Burnout is added to by events at work, such as a supervisor lack of participation in supporting the employees, who may experience burnout also. A lack of employee involvement in team planning, problem-solving, and lack of motivation from peers and management or cultural problems with not having opportunities of growth or a sense of appreciation may cause downward dispositions. Many organizations are cutting back staff and the concern according to this article (Business Magazine, 1994) the “Employees who survive staff cuts, beleaguered by overwork and long hours, face a high potential for employee burnout, says 85 percent of...
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...The county wants to change the regular school schedule into a year round school year in my opinion, I think this is the worst idea ever.I have 3 reasons why this idea is totally horrendous and in this essay I will tell you why. The first reason I think the year round schedule is horrible is because we lose vacation time.If we had only 6 short weeks of summer everyone would go on vacation at the exact same time and it would be all packed.We would we stressing out about studying while weŕe trying to have fun at the beach.It would be challenging for teachers because instead of having a great time with their family, they are sitting in their bed grading papers. The second reason I think this schedule is ludicrous is because we would not have...
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...similar. Be sure you GTA IV can load .asi scripts. This script has been tested on 1.0.3.0 (with ScriptHook 0.4.0), 1.0.4.0 (ScriptHook 0.4.0) and 1.0.7.0 (with ScriptHook 0.5.1). To install this mod, copy the files TrafficLoad.asi and TrafficLoad.ini in your GTA IV folder. Remove all older or other versions! TrafficLoad.ini configuration You can specify your own values for both pedestrians and cars in the .ini. It is also possible to modify the amount of cars loaded before models that aren't used anymore are wiped from memory. Extra cars When you have no added cars installed, no modification is needed. If you do have added cars, look in the .ini for clarification. Up to 15 cars can be added. Trouble? If the mod does not load, check ScriptHook.log for possible messages, or the lack thereof. If nothing is loaded, be sure to right click the file and check for any security measurements Windows Vista and Windows 7 apply. Remove those, they prevent the file from getting loaded. When it still doesn't load or it loads but a weird memory address pops up in the logs, copy and paste MSVCR100D.dll into your GTA IV folder. (Thanks to BehelitOutlaw for finding that) Or download it here: http://www.dll-files.com/dllindex/dll-files.shtml?msvcr100d If you experience crashes and/or texture loading trouble, you might try to lower the amount of cars per cycle. How this mod works and further things you maybe would like to know This fix randomly loads any car into the memory. After [the...
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...Being a college student isn’t all fun and games. When I graduated from high school and began preparing for college, I didn’t think college would be like it is. I was told college would be all fun and excitement. It would be the time when you find out who you are as a person. Little did I know, when someone is gassing you up about something, they tend to leave things out that would make you not want to participate. Don’t get me wrong, college is fun, and it is a time were you learn yourself the most; it’s also a very stressful thing to go through. There are many things that can cause you stress as a college student. One thing, in particular, is being on your own and having responsibility and being accountable. If you never had to take on any responsibility and do things for yourself, you’re going to find yourself in a stressful situation. There is an old aphorism that comes to mind, “with responsibility comes accountability.” College is an entirely different experience than high school. The teachers aren’t going to keep tabs on you, and no one is going to make you go to class. It’s all on you, and you’re the only person there to make yourself do it. You are responsible for everything and will be held accountable for everything that involves you. The work load is another thing that can cause stress for a college student. At any given time, a college student could have five different tests in one day for five different classes. In college, one test alone is stressful, but could...
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...And The Beast, Aladdin, Into The Woods and plenty more. VPA does not just do musicals though. They also have string instrument programs that and a large variety of choirs in which many people attend. It is easy to see why they are so memorable. This musical is done by the voices of the performing arts.They chose this musical for many reasons. Specifically because lots of people know it, it is fun/entertaining, and it gets people excited for the new movie Pan.What makes this really musical extraordinary is that this musical is being done with only kids.These are also not just any kids, but kids that have been doing this for years for example Anneka Prigodich has been part of VPA for three years and she loves it.. These kids are having as much fun as a two year old with a cardboard box. Lastly where and when the musical will be is important.The show will be on the 15 through 17 of October for only $10 for children and seniors and only $12 for adults at 7:30 on all those days and also 2:30 on 17. There are multiple of show times because in this musical there is double casting and so loads of people can experience the magic. The show will be in the new Sherwood center of the arts which was built last spring.This new building was built just for events like the VPA's...
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...most businesses today though, is to intertwine fun and games with work. Some people side with the conventional opinion and believe play in the workplace is bad for business. I believe that play should be incorporated into the workplace through games and fun activities because it would boost production, give workers a chance to relax, and increase overall morale. By adding fun and games to the workplace, it would boost production by giving it a slightly more competitive environment. In Caitlin Petre’s article, “Gamifying the Workplace,” she wrote “in a gamified office, a salesperson might try to outrank her colleagues on a digital...
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...Lunatics Everywhere Its Saturday morning, 8:00 in the morning to be exact, and it is game day. Put on your purple and gold, load the grill and fire up the car. College football Saturday, there’s nothing better. It’s East Carolina University vs. UNC Chapel Hill. Kickoff is set for 3:00 P.M. and Greenville is rocking. It’s not just a rivalry around here, its bragging rights. As you arrive to DowdyFicklen Stadium it is a sea of Purple, the sweetest scene. Every now and then you will see someone in that hideous baby blue. But the purple, its everywhere! Ranging from face paint to overalls. Pirate flags everywhere you look. Its rivalry weekend, it’s insane. As you look around you will see the dedicated. Also known as “the diehard fans”. These people are your most loyal and fanatic fans. We might not be a caliber team of The University of Alabama but we are here too. Our fans will sure let you know that as well. No matter what team you watch, no matter their record, the fanatics will be there in support. These are my favorite types of fans, these fans will make your experience one to remember if it is your first game. These fans will give you the time of your life. These fans are true fans, through everything. We also have the student body or as we call them “The Student Pirate Club”. These students are students of the college. They might not always be sober, but at least they are there staying loyal to the purple and gold. DowdyFicklen Stadium seats approximately 50...
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...Study 1: Overcoming the Perils of Canoe Lake October 15, 2014 Cast- Canoe Instructor Camp Director Nurse 8th grade girl 8th grade boy Scene-#1 Camp Site Narrator In comes a bus load of an excited group of eighth graders on their way to camp. As they arrive to the camp site, the director informs them that she has a few rules that she would like to go over before they start their camp activities. Director “Good morning happy campers and welcome to Canoe Lake. I know you are all excited and here for fun but, there are a few rules that we all need to know to assure that your visit at Canoe Lake is a safe and fun trip.” Nurse “Safety is our number 1 priority” Director “Okay, okay, lets go over a few rules. Listen and be very careful. This is a great lake and you will definitely have a good time. Some important things to remember are: to keep out of direct sun as much as possible. Everyone must use sunscreen. Sunscreen lotion not only aids our sebaceous glands by providing moisture to the skin and hair, this also prevents you from being overexposed to sun which can burn your skin if not protected. Also, make sure you are drinking plenty of fluids, especially water. This prevents you from overheating yourselves. Last but not least, while we are all here to have fun, when you are in the canoes, whatever you do… Do not fall into Canoe Lake, there are harmful bacterias that live in there. 8th grade kids “Okay, okay, we will be careful!” Scene#2 Lake Narrator ...
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...your devices it will save on the place and it can navigate you anytime for the picture locations and that helps a lot people who deliver or drive around the city or for example you went out of the city and u found the main factory to your business you can snap picture for the location and you can come anytime Q3) the most business will benefit from the new devices outdoor job that needs to ship all over the city or the world job that need to submit your updates so the client can be updated also like delivering also loads of programs for example me as photographer I use program called Zenfolio throw this program I can deliver the client there picture show proofs to the client can make slide show and also I can sell pictures throw this program so most of the business can modernize and makes use of the new technology what matter what's your business Q4) loads of people use to think and some of them they use to think this type of phones people bring it up for games and fun but originally this type of devices you can use it for games and you can use it for business for example one of the biggest company in Dubai I can't mention the name they have online enquire system that you can submit your enquire online and they have apple program that reads the enquire give you main idea about the enquire is it regular customer in which session they work the most and...
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...the best is simply unacceptable. In a society that constantly tells its youth they must have the highest pay check and newest car to be happy, why wouldn't this be the case? A fifth year of high school would give students more opportunity to take classes they would enjoy, take stress off of teenagers, and give the youth of our nation a chance to develop good priorities. Schools are always adding new and interesting courses, but for many, like the college bound student, there just isn't the time. Though an arts and crafts class might sound like fun, something like AP Music Theory would probably look better on a transcript. Since there is no time to take both the student will probably take the harder class even if it is just to keep up appearances. Fifteen years old seems too early to start making "career" choices over things that would be fun. But it happens and it causes stress. Teenagers in the country have an ever growing load of stress being placed upon them. Starting before high school teens are faced with the questions: Where are you going to college? How are you going to get there? What are you going to be? All these questions are extremely daunting and often stress students out. Also, with the price of college so high many students take on a job during high school which only adds to the stress. With an extra year of high school not only would students have time to think through big decisions, but they would also be better able to balance work with school. Time is...
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...milkman. In the first section Mummy, Peter and Jane are introduced, and it seems like they are a happy family with fun in their life. However the milkman appears in section 2 and disturbs the peace. Mummy makes Peter leave the house, so she has time for the milkman. In the ending, Peter comes back, but he has a gun. The mother is cheating on the father. It appears as if there is a daughter called Jane, the mother tries to distract her by saying “look, Jane, look! Look at the dog! See him run”. She distracts her because she is having an affair with the milkman. The father comes home with a gun in the end of the poem, and he knows she is cheating on him. It is clearly shown in line 13, where the mother wants the milkman to escape over the wall. The mother wants everyone to leave the house when the milkman arrives so she can have an affair with him, without anyone noticing. For example, we can see it in line 7 when she says “Go Peter! Go Jane! Come, milkman, come!” and line 8 “The milkman likes Mummy. She likes them all.” There are many examples in the text, where it obviously shows that she is having an affair. The reason as to why she is cheating on him is unknown, even though it says they are happy in the text. The poem uses rhymes to give it a smooth flow. It can be seen in line 1 and 3: “They like fun,” “See him run”. They repeat the same line loads of times and use it to create a rhythmic flow. It appears in line 3, 9, 15 and 19. The other rhymes jump from section...
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...Call of Duty Black Ops 3 Vs. The Elder Scrolls V: Skyrim Call of Duty Black Ops 3 (COD) is a game based off of a military background. It is a first person shooter (FPS) type of game. This type of game is very different from another game type considered as a Massively-Multiplayer Online Role-Playing Game (MMORPG). Some people have a preference to which type of game they prefer. COD has many fans and followers of their series over the last couple of years. Fans are very into this type of game and prefer to play games strictly related to the COD franchise. COD is very fast paced, very random, and requires little strategy to have fun with the game. The Elder Scrolls V: Skyrim (Skyrim) is what is considered to be an MMORPG. This is the exact opposite of an FPS. Skyrim is very slow paced, requires a lot of skill, and follows a plot. This leads to a much longer game play, and also an extremely large map. COD is played on smaller sized maps and follows no plot. Skyrim you have to have followed the series in order to understand the next part. This is the fifth game in the series. These games are complete opposites of each other. Call Of Duty Black Ops 3 is a very fast paced type of action game. Players choose teams or choose to go solo and battle against each other in a war like scenario. This game has rounds that last around 10 minutes for each particular session. The game can also win when a certain score or objective is reached/ completed. When you are killed...
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