... Cover Pages Table of Contents Introduction Client Information Statement of Objectives Risk Profile Current Accounts Current Allocation Constraints Miscellaneous Expenses Asset Allocation Current vs. Target Allocation Investments Investment Evaluation & Selection Proposed Portfolio Investment Strategy Analysises Allocation Comparison Equity Investment Style U.S. Stock Sector Analysis Regional Exposure Fixed-Income Investment Style Credit Quality Interest-Rate Risk Mutual Fund Fees and Expenses Performance Risk and Return Statistics MPT Statistics Implementation Plan Action Plan Monitoring Your Progress Legal & Regulatory Agreement Appendices 1 2 3 3 3 3 3 4 4 4 4 4 4 4 5 5 5 5 6 6 7 7 7 7 7 7 8 8 8 8 9 9 9 9 10 Planning Reports Appendices Performance of Proposed Securities Risk Tolerance Questionnaire Data as of 3/30/2009 Page 3 of 10 John Doe IRA Investment Policy Statement Introduction The Investment Recommendation is a detailed list of the changes recommended to your current portfolio holdings. The recommended list of funds, stocks, and/or other investments has been selected in order to implement a new asset allocation policy with either a higher potential return than your current allocation, a lower level of risk, or a combination of both. This report also provides a high-level analysis to help you understand the overall effects of the recommendations on your equity and fixed-income exposure. Client Information Client Profile Name Birth Date...
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...italics so we can dertermie what to plug in and make part of our presentations. 1. What test should be done to evalulate the patients glucose tolerance?...A glucose challenge screening will determine if a glucose tolerance test is needed. A glucose challenge is a test to evaluate how your body processes sugar. A high level in your blood may indicate that your body is not processing sugar effectively (positive test). If the results of this screen are positive, the woman may have the Glucose Tolerance Test performed. It is important to note that not all women who test positive for the Glucose Challenge Screening test are found to have diabetes upon further diagnosis. No preparation is required prior to the test. During the test, the mother is asked to drink a sweet liquid (glucose) and then will have blood drawn one hour from having the drink, as blood glucose levels normally peak within one hour. No fasting is required prior to this test. Prior to the test the glucose tolerance test, your doctor will ask you to make sure that you are eating at least 150mg of carbohydrates for three days prior to the time you will be asked to fast (about what you will get from a slice or two of bread). You will not be permitted to eat or drink anything but sips of water for 14 hours prior to the test, so it is best to schedule the test for first thing in the morning. Additionally, you should plan to have someone drive you to and from the test, since your energy levels may be low and...
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...Assessment activity 12 Q:1 What performance and process monitoring activities might be undertaken in a business organization ? Do you consider these procedures to be effective and useful? Explain Ans: We're used to thinking of ongoing performance management for employees, for example, setting goals, monitoring an employee's achievement of those goals, sharing feedback with the employee, evaluating the employee's performance, rewarding the employee's performance or firing the employee. However, performance management applies to teams and organizations, as well. Organizational performance involves the recurring activities to establish organizational goals, monitor progress toward the goals, and make adjustments to achieve those goals more effectively and efficiently. Those recurring activities are much of what leaders and managers inherently do in their organizations -- some of them do it far better than others. (It's useful to think of organizational change in the context of organizational performance, rather than change for the sake of change, so the topic of Organizational Change will be useful to the reader, as well.) When seeking to improve the performance of an organization, it's very helpful to regularly conduct assessments of the current performance of the organization. Assessments might be planned, systematic and explicit (these often are the best kinds of assessments) or unplanned and implicit. Well-done assessments typically use tools, such as comprehensive questionnaires...
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...long-term care insurance Action Involvement Projects on page 408, 1, 2 and 3 on page of your textbook Action Involvement Project #1: When to Invest. The text outlines certain suggestions on readiness to invest on pages 380–381. Make a list of likely dates when you think you will have accomplished each (perhaps in one, two, or five years). Make a table of your results. | Sacrifice some income and put some cash into a diversified investment portfolio for the future. | I think this is something that I can start doing now. | Accept substantial risk when investing for the long term | I don’t think I’m currently in a position to take a big risk. Possibly in 5 years. | Invest regularly through your employer’s retirement plan. | I currently already do this. I may be more aggressive with this in 5 years. | Invest no more than 5 or 10 percent of your portfolio in any single company stock, including that of your employer. | I believe in the next 1-2 years I will be able to look more closely at investing. | Rebalance your portfolio at least once a year based on your chosen asset allocation strategy. | This is something I will start doing in the next year. | | | | Action Involvement Project #2: Your Investment Strategy. The text discusses four strategies for long-term investors on pages 392–402. Which one appeals to you most and why? | Portfolio diversification is what I would choose as my strategy because, as suggested by the book, I shouldn’t have more than...
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...percent. 1.90 * (1.05 / 0.10) = $19.95 c. Given your answers to Parts a and b, how are stock prices affected by changes in investor's required rates of return? When the higher overall return is the lower the stock is. When the anticipated price goes down the return rate goes up. Bond Garnett Corporation has also issued bonds which have a face value of $1,000, will mature in 10 years, and carry a coupon rate of 16 percent. Assume interest payments are made semiannually. a. Determine the present value of the bond's cash flows if the required rate of return is 16.64 percent. Present value= $785.45 b. How would your answer change if the required rate of return is 12.36 percent? $917.59 Paying less for the same payment gives you a higher yield, so when the bond rates go down the present value goes up. Beta Calculate the beta by assuming that the risk-free rate designated by r RF = 5%, the market risk premium designated by r M = 10%, and the expected rate of return for stock A is designated by r A = 12%. a. What is the beta for Stock A? E(R) is 12%, Rf = 5% and Rm = 10% 0.12 = 0.05 + B(0.10 - 0.05) = 0.05B = 0.07. So B = 1.4 b. If Stock A's beta was 2.0, what would be A's new required rate of return? E(R) = 0.05 + 2(0.10 - 0.05), so E(R) = 0.15, or 15% c. Assume that the risk-free rate is 5% and the market risk premium is 6%. What is the expected return for the overall stock market? What is the required rate...
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...exploration is as close to pure risk as any of us can conceive. A rocket blows upon launch or it doesn’t. A space craft reaches its destination planet or it doesn’t. The craft lands safely on the planet surface or it doesn’t. We can easily envision these risks, and this makes the process of managing them relatively transparent. Even better, the risk management jargon needed to understand the risk management process is minimal. Mostly, this case requires a thorough reading and some deep thinking. What better way to introduce good risk management than with such a transparent example. Should Gentry Lee delay or go forward with the Mars Biological Explorer (MBE) mission? This is, of course, the over-riding question for this case and your analysis should answer it. However, in coming to your recommendation you will need to identify and discuss the key risk management processes implemented by Lee and the role each played in aiding you with your recommendation. As part of your analysis, place the problem faced by Gentry Lee in its historical context. For example, what are the effects of JPL’s and NASA’s past failures on the many players involved and the risk management program that Lee implemented? The following questions should help launch your analysis of this case. Use your answers to them as a jumping off point for your thought processes. 1. In what ways are the risks that JPL faces similar to those faced by other firms? In what ways are they different? ...
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...design of your form gave rise to this issue. Just a moment... Sorry for the delay. We're working on getting to you as quickly as possible. If you need to run, please feel free to leave us a message Alex: Hi there What seems to be the problem with your account? The question on the application where we ask for income is a question we must provide due to know your customer regulation it has no affect on your account Me: Okay ,then what am I supposed to do? Alex: Have you submitted your application for a live account? Me: No Alex: Go ahead and submit your application for a live account, then you will be sent a confirmation email asking for you to submit a proof of address and a valid ID. After that we will be able to approve your account and then you will be able to invest. Me: How do I go about submitting my application for Live Account? Alex: Have you created a practice account through the application yet? Me: Yes Alex: Go ahead and sign up for a practice account, then once you sign in there will be a button on the bottom left prompting you to sign up for a Live investing account. Were you able to find it Jimmy? Me: yes i am still trying to work on it. what is the social security number all about? Alex: If you are not an American citizen you just click "No" on the question before that one. Then that should open up the international options for you. Me: what information must I provide next to Foreign Passport Number? Alex: Your Passport number It can be found on your passport....
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...SOLD TO THE FINE kaptoxic@yahoo.com THE OPPORTUNITY ANALYSIS CANVAS Dr. James V. Green Copyright © 2013 by Venture Artisans Press All rights reserved. No part of this book may be reproduced in any form, by Photostat, microform, retrieval system, or any other means, without prior written permission of the publisher. www.opportunityanalysiscanvas.com Publication Data Green, James V. The opportunity analysis canvas / James V. Green Edition 1.0 1. Entrepreneurship 2. Innovation i For Jamesia and Ally Thank you for giving me the opportunity every day to be a husband and dad. ii ABOUT THE AUTHOR An award-winning educator at the University of Maryland, Dr. James V. Green leads the education activities of the Maryland Technology Enterprise Institute. As its Director of Entrepreneurship Education, he manages 25 undergraduate and graduate courses in entrepreneurship, innovation, and technology commercialization. He has created and led a host of innovative programs and activities to serve 100,000 innovators and entrepreneurs from 150 countries. With 20 publications, he is a thought leader in entrepreneurship education pedagogy and entrepreneurial opportunity analysis. In 2011, he earned first prize in the 3E Learning Innovative Entrepreneurship Education Competition presented at the United States Association for Small Business and Entrepreneurship (USASBE). In 2013, he launched the University of Maryland’s first course with Coursera, “Developing...
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...Taking Control of Organisation Risk Culture Cindy Levy McKinsey & Company Cambridge Centre for Risk Studies g December 2010 CONFIDENTIAL AND PROPRIETARY These dimensions and our diagnostic approach are rooted in a detailed analysis of failure across industries that has been refined over time Our approach 1 Reviewed all academic / regulatory literature Example of approach: ~20 case studies of Risk Culture failure Case summary* • A culture of no challenge which feared bad news making it to the market, helped contain withdrawn, overconfident behaviour that led to a misrepresentation of Shell’s reserves by 20% Primary factor Secondary factor 2 Completed detailed case C l t d d t il d analysis of examples of failure across industries Developed and refined D l d d fi d framework / diagnostic tool with LSE professor and industry risk experts Refined diagnostic tool through client pilots, including World Health Organisation Isolated 2004, g management, a ‘fear of bad news’ culture, and prioritisation of launch objectives over ensuring , , p j g • Command and control ▪ • In January 2004 Shell Case summary No Challenge Not observed Slow Response ▪ ▪ 3 culture where “the boss 100% confidence shuttle disclosed that it had in safety, led to Fear of bad disintegration from a previously-flagged O-ring failure was always right” news miscategorised 3.9 billion • Reliance of CFO on barrels of oil equivalent of Primary factor estimates provided by its...
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...investor for the first time. As you know, even people with money can be nutty. These data collection sheets are also great for staying out of trouble and keeping compliance happy. This is because you'll always have what clients told you they wanted on file: Goals, objectives, constraints, investment and insurance suitability, and investment risk tolerance. So when they have "an episode," you can easily set them straight before it escalates to the Broker Dealer / Finra / SEC level (by pulling them out and showing them what they told you in the past). These tools are the most important things every financial planner and/or investment manager should have. They're very inexpensive compared to the benefits, even if you already have financial planning questionnaires. There's going to be much more value with ours, that you can cut and paste to make your own custom financial discovery tools with. Your financial plan case writer will also love you if you get and use these, because it eliminates most all of the data input and rework problems caused by bad note taking, bad handwriting, outdated / duplicate financial statements, bad spreadsheets, and other piles of folders clients give you (correctly thinking that it's your job to make sense of). Start doing "your job right," and your paraplanner case writers will love you for a change, instead of the opposite. Financial Planning Fact Finding - Phase I: The first part of the process is gathering mostly "generic" information that prospects...
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...What Every Investor Should Know... Defining Your Investment Objectives E ach investor has unique investment objectives that are affected by short- and long-term needs and requirements. This fact sheet will help you work with your financial adviser to determine how to best meet your financial goals. Setting Goals and Identifying Needs This step provides the foundation of your relationship with a financial adviser. Step back and reflect on your short- and longterm goals, such as funding college for children, business expansion, travel plans, or retirement needs. You should identify these goals with your financial adviser so that his or her recommendations will directly address your needs. (See the CFA Institute fact sheet “Managing the Relationship between You and Your Adviser” for more information on how to effectively communicate with your adviser.) Risk Tolerance Risk is often defined as portfolio volatility, or the fluctuation in the value of your assets over time. At a personal level, risk can mean the chance that you won’t achieve your goals or the risk of losing your savings. Understanding your tolerance for risk, which differs for each investor, is key to choosing an investment program. Your tolerance for risk is a very personal characteristic that may be difficult to determine and may change over time. Your emotional make-up plays a role in your willingness to take risk. But your objective ability to bear risk, given your wealth and financial needs, is important too...
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...older age we have more needs and we work for fulfillment of the same. When a person is ruled by desires, he has more enthusiasm but when he works for his needs, he is not much energetic. For example, at a younger age we like to play and we play without being afraid of injuries because at that age human body has good resistance power and injuries get cured easily. But as we grow in age we avoid playing, though games lure us but we don't like to take any risk of getting injured. This is human nature. It is now obvious that when we are grown up, there is loss of energy and self confidence. This human behavior is evident in a person's investment strategies as well. In early part of our earning life we usually invest more in shares in comparison to debt market. But as our age increases we invest more in debt and less in equity, because now we invest for fulfillment of our needs, rather our desire and when a person invests for his needs he doesn't want to take any risk. This is logically true, because as person grows his risk tolerance level decreases. Let's see it in financial term by an example. Suppose Mr. X at the age of 30 invests all his money in equity (Rs. 500000), and if he loses this money, he has remaining 30 years to recover this amount as it has been assumed that the working life is 60 years, 3 3 whereas Mr. Y who is at the age of 50 years invests all his money in equity (Rs. 500000) and if he loses his money then he has only 10...
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...| Deakin UniversityAssignment Attachment SheetFaculty of Business and Law | Date received | This form must be completed, signed and attached to each assignment you submit within the Faculty of Business and Law. If submitting online, this form must be completed and submitted with your assignment. Last NamePlease use block letters, and enter your name as it appears on your Deakin student card | First Name | Student ID | Li | Ke | 900335188 | Unit code | Unit name | Campus | Lecturer/Tutor/Unit Coordinator | MAF754 | Enterprise Risk Management | | Lecturer: David SewellPeter | | | | Tutor: | Assignment number / title | Due date | Assignment 2: A research paper of enterprise risk management for Sinomaster(SMT) group | 25 May 2012 | If this assignment has been completed by a group or team:1. Each student in the group must complete and sign a separate form;2. The assignment will be returned to the student in the group nominated below.*This assignment was completed in a group or team: No (circle or delete as necessary)The assignment should be returned to the student named on this form: No (circle or delete as necessary) | Plagiarism and Collusion Plagiarism occurs when a student passes off as the student’s own work, or copies without acknowledgement as to its authorship, the work of another person. Collusion occurs when a student obtains the agreement of another person for a fraudulent purpose with...
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...especially of any proposed changes to project scope / requirements. PRINCE2 entails having a clear understanding of the project business case, comprehensive project documentation with detailed, signed-off requirements, clearly defined accountability and responsibilities and high level decision making. PRINCE2 is not industry specific and can be used to direct and manage a project of any size or complexity. ‘Die hard’ PRINCE2 practitioners, especially those who have managed very large scale projects, tend to be highly suspicious of agile methods, believing it puts ‘developers in charge’ and does away with project management controls, making the project impossible to plan or cost. In fact what is the role of a project manager on an agile project and perhaps Agile should only be applied to small, low risk projects? AGILE is a term used (in the IT Industry) to describe a broad collection of different methods / approaches, such as ‘Kanban’ and ‘Scrum’. It came about to try to improve the ability of IT projects to respond to, even welcome, changing requirements. Agile methods advocate self organising, empowered teams who develop software in frequent, short time-boxed iterations with only high level requirements agreed up front and lower level requirements...
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...The official PRINCE2 Manual for the Project Manager is an excellent reference manual but can be rather difficult to pick up and read if you are new to both project management and PRINCE2. So this book is meant to be – and is – an easy introduction to PRINCE2 and is quickly becoming the most read book for people wishing to learn about PRINCE2 and prepare for Foundation Exam and Practitioner Exam. Feedback: We welcome any feedback (suggests to improve or corrections), Feedback The Swirl logo™ is a Trademark of the Office of Government Commerce PRINCE2 ® is a Registered Trademark of the Office of Government Commerce in the United Kingdom and other countries Free PRINCE2Self Study Course We offer a free full Self Study course if you but your official PRINCE2 Exam from us. Our SelfStudy course includes, Audio Course, Books, 550 Q&A course, Practice Exams, etc… • Link to PRINCE2 Foundation Self Study guide: • Link to PRINCE2 Practitioner Self Study guide: • Link to Exam Purchase Page Acknowledgements Written Expert Reviewer Expert Reviewer Frank Turley Peter...
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