...Financial Literacy Group Project After learning more about financial literacy and managing your money, you will be placed in a group for a group project to research two of the following topics: * Public College or University in the State of Florida * Private College or University in the State of Florida * Public College or University out of State * Private College or University out of State Working together, you and your team will develop a presentation sharing the information you collected and provide insight regarding the financial process students will need to complete to successfully transfer and complete their degree. Note: No two groups can present on the same college Requirements: * Throughout the presentation, each student from the team will be required to present one portion of the topic to class. Each student will demonstrate knowledge of the research, and will present using his/her own words (no reading from index card or PowerPoint/Prezi). An electronic visual aid will be required (a minimum of 6 slides). One “you tube” video is allowed, or create your own (no more than 2 minutes). Each group will be given 15 minutes to present their findings. * Groups must use credible sources (using data bases from Library) and provide a works cited list. Each group will need to answer the following questions in the presentation: * -What is the cost per credit hour for the college or university? Does it differ for in-state or out of...
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...Pensions Finance Midterm Review OAFS 1. Summarise the three scenarios, identified by the World Economic Forum in its report on the twin challenges of longevity and healthcare. Provide your assessment of Canadian policy response towards increasing longevity and healthcare costs in light of these scenarios. Answer: Winners and the rest(High individual responsibility): - Highly global growth largely driven by emerging economies - Employers provide benefits but shift cost/risk to employees - Improved benefits for a few, but not all - Social attitude:individualism We are in this together(High collective accountability): - Medium global growth - Employers provide benefits and share cost/risk with employees - New risk-sharing pension arrangements - Social cohesion and solidarity You are on your own(Low individual responsibility): - Prolonged recession - Employers reduce benefits and shift cost/risk to employees - Acceleration of DB to DC - Minimal social security provision the value of hiring mature workers includes lower turnover rates, higher levels of employee engagement and higher skill levels particularly basic skills like math, reading and writing. Three key requirements to maximize the opportunities presented by ageing: - Effective collaboration among key stakeholders -Transformational change in thinking is required. Thinking towards incentive structures that reward long-term planning...
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...inexpensive machine, and one way that the store kept the price low was to not include software. Mary was concerned because she knew that she would need a good word processor, a spreadsheet program, and some presentation software, and she thought that this software would be included with the computer. According to her friends, Microsoft Office Professional was the recommended suite of software for business students. Mary quickly checked around the university and found that she could buy Microsoft Office Professional at the special price of $199. However, a friend, Frank Taylor, offered to let her copy his Microsoft Office Professional onto the new machine. Mary was uneasy about accepting Frank’s offer because she had learned in her computer literacy class that copying copyrighted software was illegal and was tantamount to stealing it. She told Frank that she needed to think about it. Frank could not understand her hesitation. “Everybody does it,” he explained. Mary’s Background Mary’s family was reasonably well-to-do. Her mother and father had met at Big State University and had gotten married when they both graduated. Mary was the oldest child and had two younger brothers. Mary’s parents valued education and expected to send all of their children to college. Although they had a comfortable income and had saved money for their children’s education for years, the rapidly rising cost of a college education forced them to establish a Copyright © 2007 by E. W. Martin. This case replaces...
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...inexpensive machine, and one way that the store kept the price low was to not include software. Mary was concerned because she knew that she would need a good word processor, a spreadsheet program, and some presentation software, and she thought that this software would be included with the computer. According to her friends, Microsoft Office Professional was the recommended suite of software for business students. Mary quickly checked around the university and found that she could buy Microsoft Office Professional at the special price of $199. However, a friend, Frank Taylor, offered to let her copy his Microsoft Office Professional onto the new machine. Mary was uneasy about accepting Frank’s offer because she had learned in her computer literacy class that copying copyrighted software was illegal and was tantamount to stealing it. She told Frank that she needed to think about it. Frank could not understand her hesitation. “Everybody does it,” he explained. Mary’s Background Mary’s family was reasonably well-to-do. Her mother and father had met at Big State University and had gotten married when they both graduated. Mary was the oldest child and had two younger brothers. Mary’s parents valued education and expected to send all of their children to college. Although they had a comfortable income and had saved money for their children’s education for years, the rapidly rising cost of a college education forced them to establish a Copyright © 2007 by E. W. Martin. This case replaces...
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...Unorganised sector Unorganised sector can be defined as a part of the workforce which has not been able to organise in pursuit of a common objective because of constraints such as casual nature of employment, ignorance and illiteracy, small size of establishments with low capital investment, per person employed, scattered nature of establishments, superior strength of the employer etc. According to National Commission, “The unorganized Sector consists of all private enterprises having less than ten total workers, operating on a proprietary or partnership basis.”Some examples of unorganised sector occupation are agriculture, construction, artisans, weavers, fishing, poultry farming etc. According to statistics of Ministry of Labour (2008), UW is classified into four groups: 1. Occupation 2. Nature of employment 3. Service Category 4. Special Category Broadly, the following can be treated as having informal employment: (i) own-account workers employed in their own informal sector enterprises (ii) employers employed in their own informal sector enterprises (iii) contributing family workers, irrespective of whether they work in formal or informal sector enterprises (iv)members of informal producers cooperatives (v) employees holding informal jobs in formal sector enterprises, informal sector enterprises, or as paid domestic workers employed by households (vi) own-account workers engaged in the production of goods exclusively for own final use by their household The...
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...them and anyone else to have. Having that kind of mindset lets me know that they have been given misleading information on how our tax system works here in the United States, and as I stated earlier, it is essential that we first and foremost understand taxes in order to make important financial decisions. It would be understandable for...
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...Company and product description Oshima Tsubaki, Inc. was founded in 1927 by Okada Haruiti, who developed the island blessed with the Camellia plant. Camellia flowers seasons are during January to March, which indicates the rarity of it. The first factory was opened in Tokyo in 1930, producing Oshima Tsubaki pomade, a traditional Japanese hairstyling product. Subsequently, Oshima Tsubaki, Inc. released a series of Camellia oil products. Years since its inception in 1927, the manpower of Oshima Tsubaki, Inc. has increased significantly. In 1977, due to the overwhelming sales, production and distribution departments were separated into two entities which were managed under the same owner. By 2009, Oshima Tsubaki’s sales and marketing arm has 53 employee and net worth of 180 million yen and the 大島椿 Honpo Co.’s production arm has 49 employees and net worth of 60 million yen. (oshimatsubaki.co.jp 2009) Oshima Tsubaki, Inc. has thus achieved to be the number one product for treatment category with Oshima Tsubaki Camellia Hair Care Oil. (Refer to appendix 1) Oshima Tsubaki Camellia Hair Care Oil is made from 100% Camellia Japonica seed oil from Japan. The oil is extracted from the seeds of Tsubaki or camellia flower. Oshima Tsubaki Camellia Hair Care Oil is packed with oleic acid which is extremely good for the skin. As Camellia oil is closest to the human skin's natural emollient, it could be use also for the body and hair. Thus, Japanese men and women commonly use Camellia oil...
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...People: The most important asset of any enterprise 9. The second great crash 10. Management styles: Why things go wrong? 11. Do we need to dress for success? 12. What do Chief Executive Officers do? 13. The element of Risk in management. 14. Outsourcing to reduce risk 15. Management is what managers do 16. Terrorism benefits whom 17. Nation’s growth must be inclusive 18. Chandrayaan – One giant leap for Indian Astrophysicists 19. The secret to winning more gold in the Olympics 20. The ban on smoking- Gimmick or success 21. Why does a nation need forex reserves? 22. What makes you a suitable candidate for an MBA? 23. Is India really shining? 24. What is revenue deficit? 25. What is the job of the Manager? 26. Is democracy working for India? 27. Performance appraisal- A Useful tool for growth 28. Corruption an outcome of Democracy 29. Agricultural subsidies: A Boon or a Bane 30. Do we need a dictator? 31. Does the media need censorship? 32. Reforms in education – a necessity 33. Management objective- Maximise profits 34. Classroom learning vs experiential learning 35. Is democracy hampering our growth? 36. Is peace and non-violence for the 20th century only? 37. Is India safe for its citizens? 38. One can make a difference 39. What does 15th August mean to me? 40. Is Gandhi relevant today? 41. I believe, success in life comes from…………….. 42....
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...International Marketing | PM 305 | | | OLANREWAJU OLABODE | I.D NUMBER 33344 | 3/19/2016 | | TABLE OF CONTENTS 1.0 Introduction............................................................................................................. ......3 2.0 Situational Analysis................................................................................................. ..4-7 3.0 Swot and Tow matrix................................................................................................ 7-10 4.0 Market Selection......................................................................................................... .11 5.0 Recommended Markets and Market entre Strategies............................................11-12 6.0 Marketing Strategies........................................................
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...TANF The welfare system was created to help poor men, women, and children who are in need of financial and medical assistance. Over the years, welfare has become a way of life for our people. Currently, the government is in the process of reforming the welfare system. The welfare reform system’s objective was to get people off welfare and start back working. The goal was to move people from dependency to self-sufficiency but problems to the new welfare reform system have occurred. Some believe that, "participation in a welfare-to-work program might create new problems for children by adding strains to family life or by exposing children to poor substitute care arrangements for policies that design welfare-to-work programs that pursue the dual goals of economic self-sufficiency for families and healthy development children.http://www.cyfernet.org/welfare/roleextprog/current.html. "Welfare policies aimed at improving family circumstances for both children and parents must not make the error of focusing solely on parents; if the intention is to enhance the immediate and long-term development of both generations within the family, then policies must differentiate between youth and their parents."http://www.cyfernet.org/welfare/roleextprog/four_themes.html. These issues have brought about numerous debates. These debates have focused on the welfare reform system. Pros and cons of this new system have been debated, focusing on the welfare of the child, the parent, the employer...
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...MacroEconomics Diagrams and Definitions What is macroeconomics? • Macroeconomics is the study of a national economy. Macroeconomic Goals Income Distribution Growth External Stability Employment Price Stability Two Sector Circular Flow of Income Monetary Flow Households Expenditure on Goods and Services (E) Real Flow Good and Services = Output (O) Factors of Production Wages, Rent and Profits (Y) E=O=Y Firms 4 Four Sector Circular Flow of Income Leakages (L) Saving (S) Imports (M) Taxes (T) O=E=Y Sum J = Sum L Income Injections (J) Households Investments (I) Exports (X) Expenditure Government Spending (G) Firms 5 Measuring National Income Output Method Income Method Households Good and Services Factors of Production Expenditure on Goods and Services Wages, Rent and Profits Expenditure Method Firms 6 How is national income measured? Employment income + Rental income + Profits + Interest = National Income How is national output measured? Value of goods and services = National Output How is national expenditure measured? Household consumption (C) + Firms’ investment (I) + Government spending (G) + Exports - Imports (X-M) = National Expenditure What is GDP? National Expenditure = National Income = National Output = Gross Domestic Product GDP • GDP = Gross Domestic Product = Total Value of all Spending in an Economy = The Total Value of all...
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...PART THREE TRAINING AND DEVELOPMENT | | | | | | |CHAPTER | |T Eight | | | | | | | | | |Training and Developing |8 | | |Employees | | | |Lecture Outline | | | |Strategic Overview |In Brief: This chapter is devoted to the issue of | | |Orienting Employees |ongoing training and development of employees. Needs | | |The Training Process |analysis, techniques, purposes, and evaluation are...
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...PART THREE TRAINING AND DEVELOPMENT | | | | | | |CHAPTER | |T Eight | | | | | | | | | |Training and Developing |8 | | |Employees | | | |Lecture Outline | | | |Strategic Overview |In Brief: This chapter is devoted to the issue of | | |Orienting Employees |ongoing training and development of employees. Needs | | |The Training Process |analysis, techniques, purposes, and evaluation are...
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...ENTREPRENEURSHIP DEVELOPMENT BBM 210/05 TMA 2 STUDENT NAME : SIEW SEE HOW STUDENT ID : 051140021 H/P NUMBER : 016-5455959 EMAIL : webbiesiew@gmail.com CLASS CODE : 5ENT1 TUTOR NAME : MR. PUVANABALAN VEERASAMY Question 1 a) Discuss the ways an entrepreneur can improve communication and hold effective meetings. In general, communication is a process which means of connecting people. Communication happens anywhere for various reasons such as exchange information, ideas, express feelings and emotions. As for entrepreneurs, communication is important to them to communicate with their stakeholders or employee as well as their customers so a good communication skill is important for them. Thus, entrepreneurs need to improve their communication skill in order to communicate effectively with others. One of the many ways to improve communication skill is by having confidence when communicate with others. Confidence comes from feelings of well-being, skills and experience as well as from a positive mind. It’s a key component of being an effective communicator. For instance, John had just invented a new vacuum cleaner technology and he is looking for investor to invest to mass produce his creation. In order to gain his potential investor confidence over his product, John needs to prepare himself well with all possible questions from them. A good preparation will help John increase his confidence level when communicating with them. Beside self-confidence...
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...According to Shomos (2010), the country has been experiencing rising economic growth, as well as a rising working-age population that is illiterate. This has caused a problem in the Indian labor market, in that the general educational level of the labor force that lies between ages of 15 and 59 years is very low. In 2010, India had a working population of 431 million people out of which 29% were illiterate. Also, about 24% possessed an education below primary or only primary education and only about 17% had a secondary and higher education. Ramachandran and Chatterjee (2013, p. 32) stated that while India is the second most populated country in the world, with a current population of about 1.21 billion with an average population growth rate of 1.41%, this is a clear indication that this population will increase more with time. When looking at the age structure, people who are 15-64 years old make up 65% of India's population and only 30% being under 15 years of age. This clearly indicates that India is composed of a rather young population. As per the 2011 census, literacy levels stand at around 74.04% and this is a significant progress from the 14.5% rate at the time of India’s independence in 1947, though the census still reveals that the adult literacy rate in India was more than 11% lower than the average World Adult Literacy Rate of 84% (Census of India, 2011c, p.101). Despite major reforms and programs intended to develop the education system, India is still struggling with...
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