...Week 4 - Individual Assignment McBride Financial BSA 310 Week 4 - Individual Assignment McBride Financial Introduction The following paper briefly describes a marketing plan for McBride Financial Services. Head quartered in Boise, Idaho, McBride Financial Services is a well-known and distinguished as a leading mortgage lender in the five state area of Idaho, Montana, Wyoming, North and South Dakota. McBride Financial also has plans to expand business operations in these states. Loan specialties include; FHA, VA, and conventional for financing and refinancing home purchases (McBride Financial Services, 2011). Research Marketing to Undertake Exploratory marketing research in the proposed expansion areas would help to gather a source of preliminary potential customer base information that will help define problems and suggest hypotheses to follow through with (Armstrong & Kotler, 2011). Marketing researchers need to have certain information about their clientele to make the most effective method in its customer appeal tactic. I would recommend an easy approach that is low cost. A direct mailing package is sure to reach a large number of individuals in an established method of communications that delivers messages by a governmental department. The U.S. Postal Service regularly transports and delivers mail to all people in any given location. The cost of mailing a survey package is low. The population size of the audience is vast. These factors allow for the company to...
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...some exceptions written into the act that allows surveillance but for limited periods of time and/or requiring congress to formally declare an act of war. Previous precedence of the FDR administration and loopholes within the FISA act was basis for the Bush administration to carry on the legacy of unauthorized and unknown surveillance. Likewise, during this administration the Patriot Act was written and included language that further allowed surveillance beyond the scope of authorization required by the FISA act. Summary number two During the fall of 2011, Kisswanni wrote for The International Lawyer about the need for telecommunications interception and access regulations that are reasonable and do not necessarily violate individual rights. The...
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...Introduction This paper will be divided into two distinct parts the first part will consist of the 6 terms used to describe macroeconomics and second part will provide 3 examples of economic activities. The purpose of part 1 is to define six terms of macroeconomics which include: Gross domestic product, Real GDP, Nominal GDP, Unemployment rate, Inflation rate and Interest rate. Part 2 will discuss how the following economic activities: purchasing of groceries, massive layoff of employees and decrease in taxes affects the government, households and businesses. Macroeconomic Terms: Gross Domestic Product The Gross domestic product which is referred to as the GDP for short, is best defined as the as the main indicator used to calculate the state of a country’s economy. The GDP is the total market value of all products and services produced in an economy within the time period of one year (Colander, 2010). The GDP is categorized into four expenditure categories: consumption, investment, government spending and net exports. A factor to keep in mind is that when the GDP is calculated it does not include intermediate goods (Colander, 2010). The intermediate goods are eliminated from the GDP either by measuring only the final sale or by measuring only value added (Colander, 2010). Economists express that the GDP may be a poor means to measure and compare the living standards of people among different countries because it specifically measures market activities only. Real Gross...
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...Economic Factors that Influence Aggregated Demand and Supply Amanda Brickey ECO/372 February 06, 2014 Ed Mendicino Economic Factors that Influence Aggregated Demand and Supply Having a solid economy is not a simple task, however possessing the ability to modify and create new ways will make for a prosperous economy. Many factors affect the economy in substantial ways. Within this evaluation of the U.S., these factors will be explained, give an overview of the current state of them, and an analysis of how they affect aggregated demand and supply. These factors include unemployment rate, expectations, and interest rates. Additionally, a set of recommendations for government spending and taxes will be offered based off the economic factors current states. As of December 2013, according to bureau of labor and statistics, unemployment average is 6.7%. Across the U.S. however some states rate has increased while others had decreased. Currently 39 states had decreases, two states had increases, and nine states had not change from November 2013 to December 2013. For most states, the ongoing lower rate is not a shock as it has continued to decline since 2009 when President Obama took office and signed in the Recovery Act and the Reinvestment Act. Since then the economy has gradually came out of the recession of 2008. Over 7.2 million jobs have been created in the past 40 months by businesses and the auto industry and American manufactures added over 500,000 jobs since January...
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...Solutions Guide: Please reword the answers to essay type parts so as to guarantee that your answer is an original. Do not submit as is E2-6 Instructions (a) Answer the following questions. (1) What are the source documents for direct materials, direct labor, and manufacturing overhead costs assigned to this job? (2) What is the predetermined manufacturing overhead rate? (3) What are the total cost and the unit cost of the completed job? (b) Prepare the entry to record the completion of the job. (a) (1) The source documents are: Direct materials—Materials requisition slips. Direct labor—Time tickets. Manufacturing overhead—Predetermined overhead rate. (2) The predetermined overhead rate is 120% of direct labor cost. For example, on July 15, the computation is $528 ÷ $440 = 120%. The same result is obtained on July 22 and 31. (3) The total cost is: Direct materials $4,825 Direct labor 1,360 Manufacturing overhead 1,632 $7,820 The unit cost is $3.91 ($7,820 ÷ 2,000). (b) July 31 Finished Goods Inventory 7,820 Work in Process Inventory 7,820 E2-9 At May 31, 2005, the accounts of Yellow Knife Manufacturing Company show the following. 1. May 1 inventories—finished goods $12,600, work in process $14,700, and raw materials $8,200. 2. May 31 inventories—finished goods $11,500, work in process $17,900, and raw materials $7,100. 3. Debit postings...
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...Understanding Business Research Terms and Concepts: Part 1 Student Name April 20, 2015 RES/351 Joe Blow Summary This week, week four, we are asked to identify two articles in the University Library: one in which the business problem is researched using a qualitative design and the other using a quantitative design and summarize each of the research designs. Questions What are the strengths and weaknesses of each approach? Strengths and weaknesses of Quantitative research. The most apparent strength of quantitative research is in its facts, based on real numbers. To form research based on quantitative methods, you must have numbers to count and compare, making this method very granular. Strengths also include the ability to grab a snapshot of the user population surveyed. A weakness, however, is the ability to use that data or those snapshots to interpret or make and long term decision based on that data alone. Allot of assumptions are made with quantitative data and snapshot data, and it’s a good baseline, but requires more data to be completely accurate. Strength and weaknesses of Qualitative Research. Qualitative study, unlike quantitative, does not give you the numbers to form statistics and charts to gauge a particular research survey or poll. The good thing about qualitative research however, is that you can measure and use human behaviors to measure whether or not something is going well or failing, like a hamburger recipe or an automobile. The...
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...money in the reserve it also affects interest rates on loans in the loanable funds market. A lower discount rate means more money supply which also means a lower interest rate. A high discount the rate equals a lower money supply and a higher interest rate. These all control the health of the economy. Interest rates are the prices that are charged or paid for the use of a financial asset (Colander, 2010). Financial assets are key variables in the financial sector and they can consist of either money or credit cards. However, money does not collect interest unless it is from the loanable funds market. In order for money to be considered in the loanable funds market it must be able to return into the loanable funds market for instance, an individual...
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...Communication and Personality in Negotiation Negotiation is the act by two parties who discuss, transact, and come to an agreement, which is mutually beneficial to both parties, (Dictionary.com, 2011.) Negotiation happens daily, whether people believe they are or not. Parents negotiate with their children to do chores, husbands discuss big purchases such as a new car or house with their spouse, and children negotiate with friends, siblings, and schoolmates for trinkets and small favors. During negotiations, a persons’ personality, mood, and bias can color what each party may receive out of the transactions. This paper will discuss a personal negotiation concerning how to buy a new vehicle. In addition this paper will illustrate how communication, personality, and body language influenced the negotiation environment, and how personal bias can play a part in the agreement process. Buying a Car Perry and his wife Holly have been married almost three years, when his three boys came to visit for the summer. Included in the family was Holly’s son, Tony. What was once a small family of three increased to six, once the boys landed in Little Rock at the airport. Current transportation consisted of a small four-door Corsica and a two-door brown Thunderbird that was not a trustworthy vehicle. The vehicle situation was not an acceptable accommodation if the parents decided to take everyone on a family outing. Perry and Holly decided they needed to find a much bigger vehicle. The chosen...
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...potential employees (Shaffer & Schmidt, 1999). While the most commonly used form of psychological testing in the workplace is the cognitive ability tests, personality tests are also being used more and more frequently. Psychological Tests A psychological test is a series of standardized problems or questions that assess a certain individual characteristic. Tests are commonly used to assess many KSAOs, including knowledge, skill, ability, attitudes, interests, and personality (Spector, 2008). There are three types of psychological tests used in the workplace to help differentiate between those used for pre-employment or retention. Essentially pre-employment is called the "recruiting radar." These tests are ability tests, personality tests, and emotional intelligence tests (Spector, 2008). Ability tests Ability tests are the ability or aptitude with the capacity to do or learn to do a particular task (Spector, 2008). Ability tests have been split into many subcategories such as cognitive ability tests, which is an IQ or also known as an intelligence test, or a test of general cognitive ability. Cognitive tests are also done on an individual that focus on the mathematical or verbal...
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...Open and Closed Source Systems For this paper, I choose option 2, which is to explain and compare Open and Closed source systems. Software is identified in two forms, source and binary. Source is the form in which users write software. This is where Open and Closed source systems/software come in. While they both deal with the way systems are accessed, and the software, and the rights and restrictions of that software, they are complete opposites when it comes to what each (Open and Closed) does and protects. Open Source systems and software are those in which the software has no real restrictions on what a user may do with the software. The most common names for Open source systems are free software, Public Domain Software, GNU software and copylefted software. When this type of system or software was first brought to the public most commercial software vendors and users ignored it, claiming it was a fad, and would quickly disappear. Unfortunate for them, Open source systems and software have actually become one of the most prevalent forms of software available to the public, and a lot of “techie” companies and users use it, due to the fact that the source code is open, therefore, the software can be changed and used as the user sees fit. Closed source systems and software are the complete opposite of the Open source systems and software. Closed source systems and software that is sold by commercial vendors and users is sold with the source closed, and in binary form, hence...
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...Defining the Humanities Michael Hunt HUM/100 July 27, 2015 Frank Varisco Defining Humanities To numerous individuals, characterizing the word humankind is distinctive Humanities that are places or regions, individuals, times in a man's past, that helps that individual distinguish and make subsequent to of the world. The purpose of composing this paper is to depict humanities and give edification on how humanities contrast from different types of human expression, and in addition portraying a social occasion that was experienced or encountered, and how that social occasion indicated pertinence to humanities, style, craftsmanship, virtuoso, and society of the time period that it speaks to. Characterizing Humanities Humanities covers expansive period that gives samples on how the world, over the course history decided to express, comprehend, and adjusted to central focuses encompassing human life. Humanities likewise enters in on various commitments that people provided for society in the improvement of the numerous types of workmanship. Controls of the humanities, for example, reasoning, history, and abstract studies offer models and routines for tending to situations and recognizing vagueness. They can help us confront the strain between the concerns of people and those of gatherings and advance common and educated exchange of contentions, while exerting current issues in authentic point of view. They likewise offer voice to feeling and creative shape to experience...
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...ETH316 WEEK 1 ASSIGNMENT John Sisk ETH316 Nov 7, 2012 Edward D’Avola ETH316 WEEK 1 ASSIGNMENT Ethics theories Virtue theory, utilitarianism and deontological ethics are similar in that they each represent how morality and ethics is judged. They differ by judging different aspects of what is right or best. Each has a unique definition and can be used in different situations to determine if decisions were made ethically (Boylan, 2009). Virtue theory Virtue ethics is the view that you should try cultivate excellence in all that you do and all that others do. Physicians’ continuing education on the latest procedures in order to best serve their patients would be an example of virtue ethics. Virtue ethics is a way to look at someone’s character development over a period of time a project, career or perhaps a lifetime (Boylan, 2009). Utilitarianism Putting the good of the group ahead of an individual is utilitarianism. Where virtue ethics judges individual achievements, utilitarianism says the individual acts ethically if their actions benefit the group even though it may not be good for everyone. When offered a promotion at work if one was to step aside and suggest another that may be better suited for the job would be an example of utilitarianism (Boylan, 2009). Deontological There is not one single deontological theory but Kant is held as the standard by many. Deontological ethics judges morality based on one’s obedience to rules. Kant believed that nothing in...
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...Individual Assignment - Week 4 WEB/240 Version 1 Web Design Fundamentals October 30, 2012 Individual Assignment Week Three Topic In conclusion and supplement to Week 2, this is the first draft of the website that I am building for WEB/240 Web Design Fundamentals. I will describe the websites purpose, audience, and provide a visual mockup of the beginning stages of the sites development. The website is themed in the e-commerce realm of functionality, and will attempt to suit all of the ecommerce necessary purposes. Purpose The purpose of this website is to fulfill two basic needs. The first need is to satisfy the requirements of this class that I am attending; WEB/240 Web Design Fundamentals. The second need is to create a functional website that I can employ to create a passive income reselling quality merchandise using the internet as a medium. The website will provide a venue where prospective customers can visit and find a variety of quality fashion accessories for purchase. The website will be an outlet from the Ebay and Amazon listings to provide variety for different items. Audience The target audience that the website will address will be women and men from young adults to older individuals who enjoy complementing the fashion expressions they like to display in public. The website will appeal to people who see the importance of being well dressed and nicely coordinated. Geographically, I would expect that anyone in the world will have access to this webpage...
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...Week 1 Individual Assignment Law 421 Week 1 Individual Assignment Law plays a vital role in the success and functionality of businesses and society. The word law is defined as “the binding rules of conduct meant to enforce justice and prescribe duty or obligation, and derived largely from custom or formal enactment by a ruler or legislature” (“Law”, n.d.). Laws are put in place to help regulate and to provide a certain set of structure. The central function and role of the law in business and society is to guarantee that there will be peace and freedom within a specified context. It must be clearly stated within the bylaws of a certain company rules and regulations or by the courts of a state. The law accomplishes these throughout the formation of course of action and guidelines for various monetary relationships and connections. There are two systems in law in which a crime can be placed under and they are either civil or criminal. The two systems both play an important role in the way a crime is catergorized. “Small businesses must comply with the same rules and regulations that apply to large companies and thus need someone with legal expertise from time to time” (Hamel, n.d.). When it comes to the laws of business, there are a set of guidelines that lets citizens and its workers know what they can and cannot do in that particular place of business. In my line of business as a foreclosure specialist, we have to follow a specific set of rules that are stated in our Code...
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...Week Four Individual Paper XXX ACC/290 September XX, 2012 XXX Week Four Individual Paper The current reading supports that commercial accounting and generally accepted accounting principles, strongly advise the accrual basis of accounting versus the cash basis of accounting. The accrual basis of accounting confirms that when transactions alter a business’s financial statements they are recorded during the period that the events happened, regardless if there was an exchange of cash or not. An example of the accrual basis would be businesses who recognize revenues earned, regardless if cash was received or not. The accrual basis also recognize when expenses are incurred, even if cash was not paid. The other potential option to the accrual basis is the cash basis. The major difference between the two accounting basis’, is that under the cash basis a business will record their revenue only at the time that cash is received. Additionally, they record expenses only when cash is received. For these reasons, the cash basis of accounting is not allowed under generally accepted accounting principles. This is due to the fact that the cash basis does not record revenue when it is earned, and therefore violates the principle of revenue recognition. At the same time, the cash basis does not allow for recording the expenses as they occur, which is a violation of the matching principle. The cash basis measures can mislead or misrepresent the true financial picture of a...
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