Finance 455 exam Essay - 1544 Words

Name:__________________________________________________________________ Class:______________________________________ Date:____________________ Finance 455 (9:40 class) Examination 2 Monday, November 4, 2013 9:40 a.m. - 10:55 p.m. 20 Questions 100 points Form (A) 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. Use a pencil. The proctor is leaving at 10:55 sharp. Calculators permitted, but no sharing. Leave your ID where the proctor can check it. All questions are worth five (5) points. If there are any graphs on the test, then leave the questions from the graph blank on the computer scan sheet! Mark your answers directly on the graph! Put your test form (A, B or C) on the answer sheet. If more than one answer is†¦show more content†¦d. Financial statements and market-based measures have more trouble predicting bankruptcy of companies that manipulate earnings. e. Both b and c. 9. What is the most common reason that a merchant acquirer suffers a loss? a. The cardholder doesnt pay his bill. b. A merchant cant cover a chargeback. c. The card issuer doesnt pay the required fees. d. The merchant fails to pay his bill to the merchant acquirer. e. None of the above. 10. According to, Angel Investors: Who They Are and What They Do. Can I be One, Too? which of the following is or are true? A. An increase in the rate of business formation tends to be accompanied by an increase in the unemployment rate. B. Angel investors usually invest after venture capitalists. C. To be a member of an angel group, you must be an accredited investor. D. Most people agree on the definition of an angel investor. E. Both A and C. 11. The following table is a lot like Table 1 from Taparias article. The two differences are: 1) One of the items in the left column is a fake (it wasnt in Taparias article); 2) The items on the right are shuffled so that they may not match the items on the left. Financial Statements: Corporate and Personal Similarities Balance Sheet The Fake Cash Flow Statement How you explain your finances to an investment advisor or IRS auditor Income Statement Mortgage Application Footnotes to Financials Personal Tax Return ProShow MoreRelatedLaw Related Topics2685 Words   |  11 PagesCopyright reserved Faculty of Economic and Management Sciences Department of Accounting Financial Accounting FRK 211 Exam session: Date: Duration: Total marks: Date of perusal: Internal examiners: 1st semester June 2012 8 June 2012 2 hours 80 marks 21 June 2012 Prof J E Myburgh Ms J S Goodey Ms N Pududu External examiners: Ms HC Verster Mr JJ Bezuidenhout Ms M Pollock Instructions: 1. You should answer all the questions. 2. The paper consists of eight (8) pages. 3. You may keep the questionRead MoreElectrical Engineering And The Field Of Engineering Essay1855 Words   |  8 PagesMy first current cluster is Architecture and Construction, the second is Manufacturing, the third is Science, Technology, Engineering and Mathematics, the fourth is Finance, and fifth is Information Technology. Those I just listed are the five results from the career clusters activity we did in class. These clusters, I’m all interested in, but there is one that stands out to me and it’s Engineering. The reason why Engineering stands out to me is because it’s my major. 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True/FalseRead MoreInternational Financial Accounting155754 Words   |  624 Pagesthe best strategies for studying for ACCA exams We highlight the most important elements in the syllabus and the key skills you will need We signpost how each chapter links to the syllabus and the study guide We provide lots of exam focus points demonstrating what the examiner will want you to do We emphasise key points in regular fast forward summaries We test your knowledge of what you ve studied in quick quizzes We examine your understanding in our exam question bank We reference a ll the importantRead MoreFinal Exam Study Guide5820 Words   |  24 PagesAccounting 211 Study Guide for Final Exam Chapters 7 – 12 Chapter 7: 1. Terminology Accounting information system People, records, and methods that collect and process data from transactions and events, organize them in useful forms, and communicate results to decision makers Accounts payable ledger Subsidiary ledger listing individual creditor (supplier) accounts Accounts receivable ledger Subsidiary ledger listing individual customer accounts. Batch processingRead MoreAdvanced Placement Microeconomics23462 Words   |  94 Pages1,2, 4, 6 Unit One 8-12% of AP Basic Economic Concepts 9 Micro Exam Scarcity and Opportunity Cost Economic Systems: the Market System Specialization and Comparative Advantage 3, 20, 21 20-30% of AP Micro Exam Unit Two Nature and Function of Product Market Supply and Demand Ceilings and floors Elasticity and applications Models of consumer choice 15 22, 23, 24, 25 Unit Three 40-50% of AP Firm production, costs, revenues 30 Micro Exam Production costs Product Pricing within different market structuresRead MoreManagement Control System13700 Words   |  55 Pages(96% to 45%). * Low price offered by competitors. * Reporting format were not consistent between divisions. Management   Control  System  at  XEROX   Solution   derived   * Leadership Through Quality. * Finance Executive Council as the central focal point for the finance function at Xerox * Standard Reporting with Informal Trust and Freedom. * Competitive Benchmarking. * Proper Goal Setting. * Technological Innovations. Key   Elements   * Open  Communication. Read MoreTop Glove Company Background8559 Words   |  35 Pages tumbling, and quality control. Former Cleaning Before the latex can be process to the coagulant dipping process into hand-shaped, the glove formers need to be cleaned before it can be used to form hand-shaped latex gloves. A quality production of exam gloves includes the environment of latex glove factory is clean. This also means glove formers must be cleaned to ensure there is no dirt or debris anywhere because it will affect the final product to possibly have defects like holes. Firstly, gloveRead MoreInstructor Manual37126 Words   |  149 Pages– Teaching note Appendix The McGraw-Hill/Irwin Video Series iii INTRODUCTION Clearly, teaching Operations and Supply Chain Management (OSCM) can be a significant challenge. This is particularly true in a school dominated by Accounting or Finance majors. We have found that, if designed correctly, the OSCM course can easily be one of the most popular. Students like the â€Å"hands-on† orientation of the topics and can see the direct applicability of the material. The purposes of this instructor’sRead More_x000C_Introduction to Statistics and Data Analysis355457 Words   |  1422 Pagesundergraduate statistics education. She is a Fellow of the American Statistical Association and an elected member of the International Statistics Institute. 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The State s Gambling Policy Essay - 2044 Words

The state is of, by, and for the people. This implies that the state is in the best interest of the people, so it s main priority should be to provide liberty for its citizens, while at the same time protecting them from foreseeable harm. In this essay I argue that the state’s gambling policy should be a proactive one, that is, the state should do as much as it can to prevent problem gambling before it happens, while also preserving individual freedom. To first develop a state policy for gambling, one must understand why gambling should be legal. Gambling, in itself, is not morally wrong. It is difficult to see anything wrong with a person wagering their own property and wealth at their own expense. It should not be up to the state to decide what a person does in their free time. It is a person’s conscious choice to spend money at a casino, and what distinction can be drawn between gambling and going to see a movie, or attending a sports match? All of the previously mentioned events contain a transaction of money in return, receive entertainment. In fact, if one gambles with the same amount of money they would have spent on a different form of entertainment, they have the possibility of getting their money back, or even winning more. The approach a state should take is that of John Stuart Mill, and his â€Å"harm principle†. The harm principle allows regular, healthy gambling as a pastime, for it does not cause harm t o others. But once someone becomes a problem gambler, the harmShow MoreRelatedWhat Should The State s Policy Be On Gambling?2136 Words   |  9 Pagesshould the state’s policy be on gambling? It is hard to walk away from a winning streak, and even harder to leave the table when you are on a losing one. Gambling, the activity of playing a game of chance for money or other stakes, is one of mankind’s oldest activities. Built upon the false pre-tenses that taking risks will consistently be remunerated, gambling has evolved throughout the years and still remains, engrained within the daily lives of many. Over the years the gambling industry has steadilyRead MoreThe States Policy On Gambling1416 Words   |  6 PagesBefore discussing what the states policy on gambling should be, one must first become familiar with the definition of gambling. Gambling is defined as â€Å"the activity or practice of playing at a game of chance for money or other stakes†. When people hear the word gambling, casinos, lotteries, and online gambling websites are what is most often thought of, however, these are not the only types of gambling. People can gamble throughout a variety o f fashions, such as virtual gambling on tablets or smartphonesRead MoreEssay on Harmful Effects of Legalized Gambling1644 Words   |  7 PagesEffects of Legalized Gambling Gambling is prominent in todays society. This can be seen especially through politics. Everywhere voters are electing people to office who are pro gambling. William Thompson of the University of Nevada (1994) describes politicians by stating, Its part of the American landscape, theyll trade morality for dollars (1). In North and South Carolina, for example, the last governor election showed that the people were for legal gambling by voting in governorsRead MoreShould Sports Be Legalized?978 Words   |  4 PagesSome jobs would also be created if online gambling was legalized. Many of the existing online gambling sites would move their operations to the United States, while other sites would be newly created in here. The jobs created would range from computer programmers to customer service jobs (Rousu). Our economy is always looking for new jobs to decrease the unemployment rate. This is a great way to lower unemployment and increase the economy at the same time. In Canada, the provinces experience additionalRead MoreShould Internet Gambling Be Illegal?1191 Words   |  5 PagesGambling in the United States has become more than a pastime in casinos because the internet has been adapted to include online gambling. Also, gambling previously has been exclusive to adults; yet, more and more teenagers are participating in the worldwide phenomenon of fantasy sports. Personally, I have never found gambling appealing because I think that it is a waste of time and money. As it is, gambling has become a problem and will continue to grow unless something is changed. There are numerousRead MoreGambling in Intercollegiate Athletics: The Perception, Reality, and Consequences1121 Words   |  5 PagesGambling can be found in places such as casinos, local stores, and online. Over the years, gambling has found more homes. College campuses and college sports are among the various places in which gambling is taking place. College students and more specifica lly student-athletes are engaging in gambling for various reasons. According to (Huang, Jacobs, Derevensky, Gupta, Paskus, 2007)â€Å"the top 3 reported reasons for student- athlete gambling were â€Å"for fun† (75.6%), â€Å"to win money† (53%), and â€Å"forRead MoreProblems And Solutions Of Gambling Essay1190 Words   |  5 Pagesconcerning Gambling and Several Solutions Gambling is a kind of recreation from ancient times and is still very popular now. In America, more than 1500 casinos are running and their profits are huge. Some cities like Las Vegas rely on casinos heavily. This essay offers a brief introduction to the casino industry and problems and solutions around it. According to a research by AGA(American Gaming Association), gambling has already been a big part of economy gains in America. They found that gambling generatesRead MoreShould Marijuana Be Legalized?1082 Words   |  5 Pagesillegal or to decide whether to legalize it. Marijuana can give off deadly or fatal actions that could to harm toward the user or those around the user. While also marijuana can be a help to the economic problems that America faces today. The Hawaii State Government should legalize marijuana because it is a non-addictive substance, it has the potential to increase tax revenue, and there are medical benefits to its use. Most Americans today believe that marijuana is a very addictive and dangerous drugRead MorePoker Regulation Persuasive Speech Outline1124 Words   |  5 PagesPersuasive Outline Persuasive goal: Why online poker should be regulated in the states. I am persuading a question of fact, value, or policy? Policy I am persuading my audience to take action in what way? Understand online poker should be regulated and to get people to reach out to an elected official. I will focus on the following emotional appeal/need? Do what is right in a free country. I. Introduction a) Talk about how I became part of poker movement. b) On April 15th lastRead MoreThe Competition Of The Gaming Industry1600 Words   |  7 Pagesentry that is caused by large capital investments and limited contracts. Also, the government policies have supported the gambling industry and the gaming industry in this area only have 5 other competitors. What Has Changed? In the last year, China’s president begun to crack down on high-rollers traveling to Macau and about $46 billion of the market value was wiped from casino operators due to this (Wong, S. and Wei, D. 2016). Steve Wynn himself said that the weakness in the high-end of business has

Need Statement Free Essays

X is a socio-cultural organization     working for social reformations for over two decades. It is a registered NGO, a non-profit organization. Currently, the main thrust of the organization is drug demand reduction amongst the younger generation. We will write a custom essay sample on Need Statement or any similar topic only for you Order Now Drug abuse and alcoholism are among major causes for social maladies and     they misdirect the youth to antisocial activities and terrorism. The program initiated by X is an exclusive Psycho Analytical Treatment Module, which works on the total personality of an individual (addict). The highlight of our program is craving for drugs and alcohol is erased from the mind of the addict. That prevents the relapse, which is the major cause of worry in most of the drug demand reduction program. The drug demand reduction program of X has changed the lives of many individuals, transformed and rehabilitated families. X therefore, wishes to set up a comprehensive centre for de-addiction as it is felt that with growing number of cases, makeshift arrangements are not enough. X wishes to establish a full-fledged treatment centre.   Many across the country as well as a sizeable number from abroad have enquired about and have suggested for a proper permanent centre for inpatients, which require treatment for a fairly long period. â€Å"It is better to have a world united than a world divided; but it s better to have a world divided than a world destroyed,† said Sir Winston Churchill at the time of Second World War! At that time, perhaps Mr. Churchill did not think about this new war, where the youth of all the countries will join together, the war objective being mutual destruction. Who’s fighting whom in this weaponless, ammunition less war of drug-addiction? The most unfortunate aspect of this war is youth are the Commanders and the Generals! Thousands are recruited, without sex-bias, to this army of self-annihilation.   Mostly, youth partake in this death-march, and one can often hear the beat of the muffled drums, because drug death rates among the youth are increasing alarmingly. Youth have another shameful situation to face. â€Å"Often it is the victims of peddling who are arrested and prosecuted (for solicitation) rather than the traffickers† (UNODC-2007) Youth took to the drugs at a very young age, and walked up to the grave! That is their achievement in life! They have nothing to look forward to in life! The moral collapse of the younger generation is the worst thing that can happen to any country and humanity as a whole. Constructive dynamism should be the watchwords for this generation, but they preferred the ‘warmth’ of the fire-place beside the drug-joints .To provide the complete drug statistics, will mean writing an encyclopedia. The situation is simply mind-boggling. Therefore, the goal of X Organization is to bring total reduction in drug demand among the addicts and transform our drug-afflicted society into a society that is totally liberated from drug and substance abuse and make it   morally strong to stand against the related evils under any and all circumstances. It is no use brooding over the statistics, whether drug addicts are 1 million or 10 million! The menace has assumed alarming proportions, with no signs of abating.   If it is not checked with extra-serious efforts, the disastrous results will be catastrophic!   Youth are caught in it, and the clutches are too strong. The combustible younger generation is burning itself in the fire of various types of drug addictions. The present efforts made by UNODC, Govt. agencies, medical practitioners and philanthropists in the area of drug demand reduction, are like blocking a furiously advancing avalanche with the fence of straw. Or trying to touch the moon by kite flying! Or controlling the rising flood waters of the river by filling pitchers! Statistical studies and data are no doubt needed, but it is no use digging the well when the house is on fire. When there is a war, your goal should be to win the war, no matter how you do it. The initiatives should be implemented by honest people on a massive     scale. The transformation from addiction to de-addiction is like driving a vehicle, in the reverse gear—it is slow; has to be done with extra care! â€Å"When it comes to drug abuse people within a community can be seen as belonging to three different zones. The three zones can be best compared to a traffic light. People in the green zone are those who do not use drugs presently. Those in the amber zone are the early users, who run a great risk of developing problems. Those in the red zone are persons who are addicted. People in the red zone need treatment that is expensive and requires a lot of effort, and relapses are frequent. Therefore, red zone strategies include detoxification and rehabilitation† (UNODC Thematic Pamphlets 9) Majority of the youth addicts are in the red zone! As already stated, X is a non-profit Organization, just covering up its expenses through small donations, but it has the stability and experience of two decades behind it. Some of the philanthropists have been approached and seized of the issue. The activities of the project will be divided into two years. The program chalked out is: 1. Acquisition and possession of land 2. Outpatient department of the de addiction centre will be constructed first to initiate the following activities. a) Specialist and Medical Staff. b) Medicine Room. c) Landscaping for Naturopathy. d) Herbal Garden e) Community Education Program. f) Residential facilities for inpatient treatment. Project Impact: The objective of this treatment is to provide a treatment that treats, cures, detoxifies, recovers and rehabilitates an addict. Also transforms the individual in such a manner that there is a total denial to and abstinence from Drugs, alcohol and any type of substance abuse. With the impact of the project there would be increase in the level of awareness among masses and the stakeholders that there is a technique besides customary medical techniques that can totally transform and reform an addict into a decent individual and make productive member of the society. Counseling has the dominant role to play in the cure of the youth drug-addict.   They are, improving study, deepening self-understanding, and solving personal problems, etc. Solutions and intervention: To treat youth drug-addicts is not like the treatment of patients with cold or headache. Each addict is a special person and his problems are his own and they are quite intriguing. You have to deal with a cluster of problems relating to an individual before he is cured finally. This is a job of great perseverance, apart from the medical knowledge about the treatment. Drug demand reduction is a co-operative effort. Several persons are involved in the treatment of a drug addict. The co-operation of the addict is all the more important. .Monitoring and Evaluation: Internal monitoring and evaluation of the program will be carried out by the Organization Management, evaluation staff will be appointed and trained. The Fund Utilization Certificate will be made available through a registered Chartered Accountant. Conclusion: When a drug addict is constantly nagged and abused, condemned and ostracized by society, he turns into a viler and bitter individual. In such cases showering of pity alone will not help much. Heartfelt care and concern, an understanding approach, and tender regard for feelings are necessary prerequisites to heal the inner wounds, the self-inflicted damage.   Coupled with this, everybody involved in the treatment, directly and indirectly, need to learn to forgive and forget the past of the patient in order to help him build a new identity. References: United Nations Office on Drugs and Crime-Strategic Programs Framework-South Asia-2005-2007-Priority Problems –Page 4 United Nations Office on Drugs and Crime-Thematic Pamphlets 9–Prevention in the Community-Role of a Community Worker. Word Count:1286 How to cite Need Statement, Essay examples

Croc Analysis free essay sample

What are Crocs’ core competencies? Crocs’ competencies are supply chain management and small-retailer level marketing, just in time distribution. Crocs has used its core competencies to build a brand familiarity and popularity and to distribute new models and accessories in mid-season. Their supply chain management has helped the company to create a stronger maturity map for their products, and to extend the maturity map through marketing. (Figrure 1. [write a brief description first]. Taken from the Crocs presentation) 2)How could Crocs exploit their core competencies in the future? Consider the following alternatives: a. Further vertical integration into materials b. Growth by acquisition c. Growth by product extension In the future, Crocs could grow, both by acquisition and by product extension. For product extension, they should use the Japanese product development map what it is called don’t remember any more (this development tree map can be seen below). Focus on the IP (formula) and reuse it on other products [This is a fragment connect it to previous senetence or make it a sentence. We will write a custom essay sample on Croc Analysis or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page I dont understand what do you want to say by it].

Ahmed Zewail - Caltech Commencement Address free essay sample

Restoring the American Chestnut Tree

Restoring the American Chestnut Tree Glory Days of American Chestnut American chestnut was once the most important tree of the Eastern North American Hardwood Forest. One fourth of this forest was composed of native chestnut trees. According to a historical publication, many of the dry ridge tops of the central Appalachians were so thoroughly crowded with chestnut that, in early summer, when their canopies were filled with creamy-white flowers, the mountains appeared snow-capped. The Castanea dentata  (scientific name) nut was a central part of eastern rural economies. Communities enjoyed eating chestnuts and their livestock was fed and fattened by the nut. The nuts not consumed were sold if a market was available. Chestnut fruit was an important cash crop for many Appalachian families that lived near rail hubs. Holiday chestnuts were transported to New York, Philadelphia and to other big-city dealers who sold them to street vendors who sold them fresh-roasted. American Chestnut was also a major lumber producer and used by home builders and woodworkers. According to the American Chestnut Foundation or TACF, the tree grew straight and often branch-free for fifty feet. Loggers tell of loading entire railroad cars with boards cut from just one tree. Straight-grained, lighter in weight than oak and more easily worked, chestnut was as rot resistant as redwood. The tree was used for nearly every wood product of the day - utility poles, railroad ties, shingles, paneling, fine furniture, musical instruments, even paper. The American Chestnut Tragedy A devastating chestnut disease was first introduced in North America from an exported tree to New York City in 1904.This new American chestnut blight, caused by the chestnut blight fungus and presumably brought in from eastern Asia, was first found in only a few trees in the New York Zoological Garden. The blight rapidly spread to northeastern American forests and in its wake left only dead and dying stems in what was a healthy chestnut forest. By 1950, American chestnut had tragically disappeared except for shrubby root sprouts the species still continually produces (and which also quickly become infected). Like many other introduced diseases and insect pests, the blight quickly spread. The chestnut, being completely defenseless, faced wholesale destruction. The blight ultimately invaded every tree throughout the entire range of the chestnut, where now only rare remnant sprouts are found. But with these sprouts bring some hope of reestablishing American chestnut. For decades, plant pathologists and breeders have tried to create a blight-resistant tree by crossing our own species with other chestnut species from Asia. Native chestnut trees also exist in isolated areas where the blight is not found and are being studied.   Restoring the American Chestnut Advances in genetics have given researchers new directions and ideas. Working and understanding the complex biological processes of blight resistance still need further study and improved nursery science. TACF is a leader in American chestnut restoration and confident that we now know we can have this precious tree back.   In 1989, The American Chestnut Foundation established the Wagner Research Farm. The purpose of the farm was to continue a breeding program for ultimately saving the American chestnut. Chestnut trees have been planted at the farm, crossed, and grown at various stages of genetic manipulation. Their breeding program is designed to do two things: Introduce into the American chestnut the genetic material responsible for blight resistance.Preserve the genetic heritage of the American species. Modern techniques are now being used in restoration, but success is measured in decades of genetic hybridization. An elaborate and time-consuming breeding program of backcrossing and intercrossing new cultivars is TACFs plan to develop a chestnut that will exhibit virtually every Castanea dentata  characteristic. The ultimate desire is a tree that is fully resistant and, when crossed, the resistant parents will breed true for resistance. The breeding method began by crossing the ​Castanea mollissima and ​Castanea dentata  to obtain a hybrid which was one-half American and one-half Chinese. The hybrid was then crossed to another American chestnut to obtain a tree which is three-fourths dentata and one-fourth mollissima. Each further cycle of backcrossing reduces the Chinese fraction by a factor of one-half. The idea is to dilute out all of the Chinese chestnut characteristics except for blight resistance down to where trees are fifteen-sixteenths dentata, one-sixteenth mollissima. At that point of dilution, most trees will be indistinguishable by experts from pure dentata trees. Researchers at TACF report that the process of seed production and testing for blight resistance now requires about six years per backcross generation and five years for intercross generations. Says TACF about the future of a resistant American chestnut: We planted our first set of intercross progeny from the third backcross in 2002. Well have progeny from the second intercross and our first line of blight  resistant American chestnuts will be ready for planting in less than five years!

Why the Early Middle Ages are often referred to as the Dark Ages Essay

Why the Early Middle Ages are often referred to as the Dark Ages - Essay Example In spiritual terms Dark Ages were a period of birth of a new type of personality, a new mentality, both individual and collective. In times when the collection of earthly treasures became impossible, people, following the precepts of Christ, began to collect the treasures of heaven. The Christian religion was gave the support for people and helped not to lose heart and humbly endure all the trials, which he met. Hunger, barbarian attacks, diseases - it seemed that Christian God was testing people in order to prepare believers for promised in the Gospel, "the millennial kingdom of Christ." Philosophers were analyzing not the nature of man - a transient phenomenon, but the divine nature. Theology, which flourished in the High Middle Ages, took its beginning in the monasteries of the Dark Ages. All knowledge about the world of medieval man was based on the knowledge of God.During the Dark Ages the decline of common knowledge took place, and existed science survived only in monasteries, as only Church succeed in preserving of ancient and Biblical writings. So it was assumed, that no-one was literate properly. But not everything was as worse as it seems to be, and in the 19th century a number of sources were found, which proved the existence of culture development. As the Church was powerful, it did its best to promote learning and literacy. In addition, European people were adopting and transforming such legacy of the Roman Empire as Roman law, administrative and taxation practices, literature, trade and economy and so on.