...WHAT’S YOUR RISK TOLERANCE? Circle the letter that corresponds to your answer 1. Just 60 days after you put money into an investment, its price falls 20%. Assuming none of the fundamentals have changed, what would you do? a. Sell to avoid further worry and try something else b. Do nothing and wait for the investment to come back c. Buy more. it was a good investment before ;now it’s cheap investment , too 2. Now look at the previous question another way. Your investment fell 20% , but it’s part of a portfolios being used to meet investment goals with three different time horizons 2A. What would you do if the goal were five years away? a. Sell b. Do nothing c. Buy more 2B. What would you do if the goal were 15 years away? a. Sell b. Do nothing c. Buy more 2C. What would you do if the goal were 30 years away? a. Sell b. Do nothing c. Buy more 3. The price of your retirement investment jumps 25% a month after you buy it .again, the fundamentals haven’t changed after you finish gloating, what do you do? a. Sell it and lock in your gains b. Stay put and hope for more gain c. Buy more; it could go higher 4 you’re investing for retirement, which is 15years away. Which would you rather do? a. Invest in a money-market fund or guaranteed investment contract, giving up the possibility of major gains, but virtually assuring the safety of your principle b. Invest in a 50-50mix of bond funds and stock funds, in hopes...
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...Understanding Risk Tolerance Levels https://homeworklance.com/downloads/understanding-risk-tolerance-levels/ BUYU Manufacturing has been contracted to provide SAEL Electronics with printed circuit and motherboards (PC) boards under the following terms: • 100,000 PC boards will be delivered to SAEL in one month. • In 3 months, SAEL has an option to take the delivery of an additional 100,000 boards by giving BUYU a 30-day notice. • SAEL will pay $5 for each board it takes. BUYU manufactures the PC boards through a process called batching, and manufacturing costs are as follows: • The manufacturing batch run has a fixed setup cost of $250,000, regardless of the run size. • The marginal manufacturing cost is $2.00 per board, regardless of the size of the batch run. BUYU must decide whether it should manufacture all 200,000 PC boards now, or if it should manufacture 100,000 now and the other 100,000 boards only if SAEL decides to buy them. If BUYU manufactures 200,000 now and SAEL does not exercise its option, then BUYU will lose the manufacturing cost of the extra 100,000 boards. BUYU believes that there is a 50% chance that SAEL will exercise its option to buy the additional 100,000 PC boards. 1. Discuss the potential profit of manufacturing all 200,000 boards now. 2. Draw a decision tree for the decision that BUYU faces. 3. If BUYU uses its expected profit as the basis for its decision, determine the preferred course of action. 4. Determine the range of values of...
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...Understanding Risk Tolerance Levels https://homeworklance.com/downloads/understanding-risk-tolerance-levels/ BUYU Manufacturing has been contracted to provide SAEL Electronics with printed circuit and motherboards (PC) boards under the following terms: • 100,000 PC boards will be delivered to SAEL in one month. • In 3 months, SAEL has an option to take the delivery of an additional 100,000 boards by giving BUYU a 30-day notice. • SAEL will pay $5 for each board it takes. BUYU manufactures the PC boards through a process called batching, and manufacturing costs are as follows: • The manufacturing batch run has a fixed setup cost of $250,000, regardless of the run size. • The marginal manufacturing cost is $2.00 per board, regardless of the size of the batch run. BUYU must decide whether it should manufacture all 200,000 PC boards now, or if it should manufacture 100,000 now and the other 100,000 boards only if SAEL decides to buy them. If BUYU manufactures 200,000 now and SAEL does not exercise its option, then BUYU will lose the manufacturing cost of the extra 100,000 boards. BUYU believes that there is a 50% chance that SAEL will exercise its option to buy the additional 100,000 PC boards. 1. Discuss the potential profit of manufacturing all 200,000 boards now. 2. Draw a decision tree for the decision that BUYU faces. 3. If BUYU uses its expected profit as the basis for its decision, determine the preferred course of action. 4. Determine the range of values of...
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...Personal Risk Tolerance Questionnaire for Retirement Planning Please use this Risk Questionnaire to determine your personal risk tolerance. Based on your answers, you will be directed to one of the Model Portfolios on the back of this page. These model portfolios can serve as a starting point for developing your own allocation mix. Please answer each of the six questions and circle the number opposite the answer that best represents your opinion. Add up the circled numbers in the column on the right side of the page to determine your score. Your total score will indicate your risk profile as reflected in the chart in the box at the bottom of the page. 1. “Protecting the principal of my investment is more important than achieving significant growth.” Do you… a) Strongly agree? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .0 b) Agree? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 c) Disagree? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11 d) Strongly disagree? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16 2. Which of the following three investment...
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...“Zero-tolerance” is the policy of applying laws or penalties to even minor infringements of a code in order to reinforce its overall importance and enhance deterrence. In the reading “Zero Tolerance”, Shawn Hubler stands on the opposite side about “zero-tolerance” on campus and even in our society. “Zero-tolerance” is a blind rule that is focusing on punishment only. There is no judgment and no discretion about the offenders and the cases. “Zero-tolerance” may cause bad influence on the offenders’ future. I strongly agree with her position about against “zero-tolerance”. First, zero-tolerance is conflict with my cognition about “rules”. There is not just “black-and-white” in our judging measurement. Grey areas exist. There are some special circumstances that the offenders are naïve or lured to make the mistakes, especially teenagers. Zero-tolerance is too extreme for teenagers. Hubler mentioned an example in her article, which is about a poor little kid who just pretend to have a sip on a vodka-and-orange juice. He was so innocent to admit he drank. Can we say he really did something wrong? However, zero-tolerance policies will never give him any chance other than punishment. Therefore, zero-tolerance has no consideration about the content of the cases. It only focuses on punishment. In addition, zero-tolerance may push the offenders to an abyss for their careers. Hubler wrote, “ So every kid suspected of wrongdoing-drunk or sober, troubled or just uncharacteristically stupid-face...
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...Academic Outcomes As a result of zero tolerance policies which proved to be a factor in the overrepresentation of African American male students in receiving exclusionary discipline consequences, missed classroom time was severely affected. When students are absent from the classroom due to suspensions or expulsions, they miss valuable classroom contact hours which places them at risk of falling behind their classmates leading to academic failure, increased school dropout rates, and brushes with law enforcement (Steinberg & Lacoe, 2017). Allday and Christle (2015) concluded that students who were recommended for expulsion tended to perform at a lower level than their counterparts. As students moved into higher grades from lower grades, their...
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...No Tolerance and No Bulling Policies: Why They Do Not Work "Zero Tolerance Policies" were first instated into schools, to enforce suspension and expulsion, in response to students; violating; weapons, drugs and violent act policies that were already in place. Shortly after, schools began to instate “No Bulling Policies” partly to a high suicide rate among teenagers due to bulling. The consequences for violating these policies can now go beyond expulsion, and have legal implications. In theory these policies are a great idea. Unfortunately, these policies are rarely implemented and carried out correctly, causing them to not just be ineffective; but causing them to have adverse effects. We have tried these policies in our schools , it has been proven that they have done more harm than good; it is now time to remove these policies from our schools. The “school to prison pipeline," is a recent national trend where children are pushed out of public schools, and into the juvenile and criminal justice systems. Many of these children have learning disabilities, histories of poverty, and histories of abuse and neglect. There students would benefit from additional educational and counseling services. Instead, they are isolated, punished and pushed out. Many "Zero-tolerance" policies criminalize minor infractions of school rules. Cops in schools are criminalizing behavior that should be handled inside the school. Students of color are especially vulnerable to push-out trends and the...
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...Driving a motor vehicle is a privilege. A car is as dangerous as loaded weapon. There are over 255,000,000 registered vehicles in U.S. More than 5.8 million crashes occur every year. The economic cost of crashes exceeds $230 Billion. A fatal crash can cost as much as $500,000. Each year, over 37,000 people die in car-related crashes. One in every three collisions results in injury. There are two types of bad drivers—Aggressive and Unaware. The first step to become better is to identify your weaknesses, strengths and emotional state. ---------------------------------------------------------------------------------------------------------- There are over 205 million licensed drivers in the U.S. Your driving record is available to the public. Your record of health or mental condition is not. You may lose your license if you accumulate too many points on your record. Your license can be canceled if you give incorrect information or move to another state. To reinstate the suspended license you will need to serve the period of suspension, pay an applicable service fees and any fines ordered by court. You cannot drive on a revoked, canceled or suspended license. You must report a collision with damages over $500 to the MVC within 10 days. You are required to carry one of the four acceptable forms of the Financial Responsibility --------------------------------------------------------------------------------------------- Never insist on your right of way, even if you...
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...Office Number Safe Lifting & Prevention of Back Injuries 0131 FOR EMPLOYMENT WITH TRUEBLUE OUTSOURCING SOLUTIONS Legal First Name Legal Last Name Employee # 2012318 King Carderrious Did you know that you need to able to lift at least 30 or 50 lbs throughout an 8-12 hour shift? Make certain that any object that you lift falls within that range. How do you know if it is in that range? Read the label or ask a supervisor. Otherwise, give a light lift to ascertain the weight. If the weight feels heavy, ask for help. DO NOT PROCEED!! Remember how to lift properly. Get a firm footing Before lifting, stand close to the load with both feet firmly on the floor about shoulder width apart. Point your toes out. Keep your feet part for a stable base. Lift with your legs Let your powerful leg muscles do most of the work. If you need to change direction with the load, pivot with your feet. DO NOT twist your back. Bend your knees Squat down close to the load with your back straight and stomach muscles tight. Don’t bend at the waist. Keep the principle of leverage in mind. Keep load close The closer the load is to your body, the less force it exerts on your back. Grip the load firmly pulling it toward you. Continue to hold the load close until you need to place it down Tighten stomach muscles Abdominal muscles support your spine when you lift. Train muscle groups to work together Keep your back upright Don’t add the weight...
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...1. In my opinion there should be a zero tolerance policy for sexual harassment. If you are found guilty of it I think you should be fired right there on the spot. I don't care if the person being "harassed" is at the same level as the harassor or if they are a superior and a subordinate. No one should have to deal with that in a work place. Now the issue would be was it without a doubt sexual harassment or does it fall into the gray area. 2. If a sexual harassment claim has been made the human resource department should investigate the claim thoroughly to make sure the claim is valid. If the claim is found to be invalid the accuser should be either terminated. 3. I know there are some cases that would fall into the gray area. Not every case is as clear cut and isolated to one event. Sometimes there are cases when a female coworker could be wearing a outfit that is not 100% appropriate for work, as an example. A male colleague could say something to her about her outfit that was not meant to be sexual but that's the way the female coworker took it and reported him to HR. In this case what the male colleague said could be taken out of context and in an absolute zero tolerance policy he could be fired on the spot. There does need to some room for these types of situations and others like it. An investigation needs to be had by a non biased person, the work record of the people who are involved should be taken into consideration and a counseling session with the outcome of the...
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...Uncertainty Avoidance Uncertainty Avoidance is referring to a lack of tolerance for ambiguity and a need for formal rules and policies. This dimension measures the extent to which people feel threatened by ambiguous situations. These uncertainties and ambiguities may e.g. be handled by an introduction of formal rules or policies, or by a general acceptance of ambiguity in the organizational life. The majority of people living in cultures with a high degree of uncertainty avoidance, are likely to feel uncomfortable in uncertain and ambiguous situations. People living in cultures with a low degree of uncertainty avoidance, are likely to thrive in more uncertain and ambiguous situations and environments. Masculinity vs. Femininity These values concern the extent on emphasis on masculine work related goals and assertiveness (earnings, advancement, title, respect et.), as opposed to more personal and humanistic goals (friendly working climate, cooperation, nurturance etc.) The first set of goals is usually described as masculine, whereas the latter is described as feminine. These goals and values can, among other, describe how people are potentially motivated in cultures with e.g. a feminine or a masculine culture. Individualism vs. Collectivism In individualistic cultures people are expected to portray themselves as individuals, who seek to accomplish individual goals and needs. In collectivistic cultures, people have greater emphasis on the welfare of the entire group...
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...week and we are ready to head home. All three of us are at the airport getting ready to board our plane, when an armed officer comes around with a sniffer dog. I have all my bags on a trolley, and the dog sniffs at me and my mom’s bag, and passes over it, however when he gets to my little brother’s bag, he begins to get a bit more active. I look over at my brother and he’s looking a little nervous. I know he’s smoked a little marijuana in his time, but generally, he’s a good kid, and I am certainly didn’t think he’d actually be stupid enough to bring it back on the plane with him. At first I feel angry that he would do such a thing and start planning my responsibility lecture, but then I realize that I am in Dubai, and they have a zero tolerance policy on drugs, meaning my brother could be jailed for life, or worse, executed, if he does have some illicit materials in his bag. I look at my mom and realize she has come to the same conclusion and has gone pale with fear. The armed officer accompanying the dog is beginning to look more sterner with every sniff the dog takes and looks directly at me and asks me to open to the bag. I do, and as the officer begins to take things out of the bag, I see that there is a small quantity of marijuana stashed in with my brother’s belongings. The officer looks at me and asks “whose bag is this? “I realize I have to answer, but the answer won’t be easy. I see my mom in the corner of my eye, and she is about to step forward and claim it as her...
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...in our business.” Without our customers, we cannot survive. Without our customers, we cannot be successful. This is why we invest in our people. This means our employees as well as our community. This is why a code of conduct was constructed. Our desire is for these principles to not only be shared in our restaurants, but across the world. We not only teach these principles, we live them as well. We teach and live these principles beginning with the onboarding process on through until the employee leaves the organization. Our mission is for all employees to continue the push of these principles throughout their entire lives. We accomplish this through two key principles; I. We do this through our company culture. II. We have a zero tolerance policy when it comes to not following this code of conduct. III. We have a compliance department that handles all disputes, violations of the code of conduct, and investigations regarding violations of the code of conduct. There must be a specific department, designated employees that govern the entire company’s employees and handle any issues that arise. Another step that we take to ensure the employees follow the code of conduct is to have each employee sign the code of conduct...
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...Reduction Bryon Wilson BEHS 364 August 5th 2014 There have been two different strategies of society dealing with alcohol; harm reduction and zero tolerance. The method of harm reduction is focused primarily on reducing the negative effect of alcohol society and the people who drink. This is usually implemented by our government. They create policies and social programs that can treat those afflicted with alcoholism. There are several ways that this can be accomplished, such as limiting access, and taxing the substance to reduce demand. There are also social programs put in place that can help educate, rehabilitate and help recover. This a strategy compared to zero tolerance carries a unique ability to be tailored to suit individual needs as opposed to a one size fits all blanket policy. The harm reduction policy stands on a principle that alcoholism will not be completely eliminated so it would be more benefit to address the negative harms. For instance as alcoholism can be a major problem at work, some companies provide someone as an advocate and counsel. These counselors can work with them to modify behavior and reduce alcohol related incidents and further harm to their self on the job and in their personal life. That is something prohibition policies cannot do for an individual person. The proponents of zero tolerance see the alcoholic epidemic as a disease and therefore cannot allow continued usage if the person is to be treated and recover. It is not looked at as merely...
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...by Time Referrals by Student Referrals by Staff Individual Student Report by Month and by Year Referrals by Grade Level Other: Other: C. Type “Yes” or “No” in the box as applicable to the following. 1. School consistently and uniformly utilizes the two BESE-approved forms. If no, explain: _____________________________________________________________________________ 2. School has addendum to two BESE-approved forms to assist with data collection. If yes, attach a copy of the addendum with worksheet. 3. School has a Zero Tolerance Policy. If Yes, go to #4. If no, go to # 6. 4. Leadership Team has reviewed the Zero Tolerance Policy to ensure compliance with R.S. 17:416.15, including R.S. 17:416 (H) which prohibits disciplinary action against any pupil reasonably acting in self-defense. 5. Leadership Team has revised the Zero Tolerance Policy to comply with R.S. 17:416.15. 6. Leadership Team has reviewed policies for handling suspensions and expulsions to ensure compliance with R.S. 17:416. 7. Leadership Team has reviewed procedures for handling suspensions and expulsion to ensure consistent and fair execution and to ensure that alternative interventions are used. 8....
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