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Find an individual who serves on a Board of Directors or a Board of Trustees (a non- profit) and interview this person about board membership. Try to learn the answers to the following questions:

How he or she was selected?

Did he or she know someone on the board?

Does he or she have a particular expertise that the Board needed (lawyer, accountant, civil engineer, etc.)

Does he or she know how future Board members are selected?

How are members of this Board, diverse or not diverse?

If this is a for- profit corporation, What is his or she compensation for serving as a Board member? If this is a non- profit Board, What are the expectations for financial contributions? Has recruiting diverse members to the Board been an initiative?

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What types of diversity did the Board seek? If so, how was this done and was it successful? Why or Why not?

If there are diverse members, do they participate fully in Board discussions?

Remembering that this is only one individual’s perception and that his or her position may have some bias,

Analyze the material from this interview and write a three- to five- page APA formatted essay that evaluates this Board from the perspective of diversity. b. Answer the following questions:

If the Board is diverse now, how does the board diversity link to the organization’s mission and the business case for diversity?

Or, if this Board is not diverse, how could a more diverse board potentially improve the link between the company’s mission and the business case for diversity?

Conclusion (every paper should end with a strong conclusion or summary)

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Strategic Innovation

Write a 2–3 page paper in which you:

  1. Describe two different strategies associated with incremental change and radical change.
  2. Provide one example where incremental change is a better solution and one example where radical change should be considered.
  3. Describe a scenario where a push or pull innovation would provide a competitive advantage. Include two outcomes that would support your chosen strategy.
  4. Provide three supported reasons why entrepreneurs should follow an innovation strategy.

Locate and integrate at least two supporting sources from the Strayer Online Library or other reputable sources.

This course requires use of new Strayer Writing Standards (SWS). The format is different than other Strayer University courses. Please take a moment to review the SWS documentation for details.

The specific course learning outcome associated with this assignment is:

  • Analyze strategies related to change and innovation that provide a competitive advantage.

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In writing your Team Report # 3 you will be dealing with the Human Development Indicators, as developed by the United Nations Development Programme (UNDP).  On special interest are the Statistical Annex, which provides the statistical tables, and the Technical Notes, which explain how the indices are calculated.  Tables 1, 2, 3, 4, 5, and 6 of the Statistical Annex of the 2020 Human Development Report provide the composite measures.

Assignment: Using the 2020 Human Development Report, your team will write a report in which you are going to compare two countries with similar HDI (remember that similar does not imply equal, but close to each other). The comparison will be made in terms of the five Human Development Indicators: Human Development Index (HDI), Inequality-adjusted Human Development Index (IHDI), Gender Inequality Index (GII), the Gender-related Development Index (GDI), and the Multidimensional Poverty Index (MPI).

NOTE:  Be aware that not all data will be available for all countries so that before proceeding you have to verify that all the five indices are available for the two countries you have chosen to compare.  Your selected country may include information for the five indices, but if it does not, then you have to select another two countries.

Your team report should address the following issues:

  1. Explain your rationale for the selection of countries used for the comparison [one of the two countries could be the one your team has selected to analyze in the course, provided it has the information for the five indices, in particular, the Multidimensional Poverty Index].
  2. How two countries with similar HDI can achieve different results?
  3. How the two countries compare in terms of the components of HDI (use Table 1 of the 2020 Report)?
  4. What has been the trend in terms of HDI for your selected countries (use Table 2 of the 2020 Report)?
  5. How the two countries compare in terms of the components of the other indices: IHDI, GII, GDI, MPI? (Use Tables 3-4-5-6 of the 2020 Report).
  6. In particular, how women compare to men in terms of the components of the GII index and the GDI?

Use 3-4 Bibliography, references, and internet sources. Also, write the conclusion in the end.

 The Human Development Reports can be accessed at  http://hdr.undp.org/en/

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You are a junior executive of a new cellular phone carrier called Technologies of the Future (TOF) that competes in the same market as Verizon Wireless, AT&T, and T-Mobile. You are asked to write a professional document that discusses the concepts below.

  • Define the goals and objectives of the Federal Reserve.
    • Identify the four monetary policy tools used by the United States and explain which monetary policy tool would influence the sale of smartphones in the U.S.
    • Discuss the difference between expansionary monetary policy and contractionary monetary policy.
    • Explain how expansionary monetary policy would lead to an increase in the sale of smartphones.
  • Explain the difference between the M1 and M2 money supply.
    • Identify whether an increase in the M1 or M2 money supply would lead to an increase in the sale of smartphones.
  • Explain how higher interest rates and inflation would affect the sale of smartphones in the United States.
  • Describe the two fiscal policy tools used by the federal government.
    • Discuss the difference between expansionary fiscal policy and contractionary policy.
      • Which fiscal policy tool has the greatest influence over the sale of smartphones in the United States and why?

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Corporate Portal Scorecard

Research at least five areas of publicly available information (such as the Dow Jones or top search engine results) that help to establish the health and public image of a company. Propose a web-based information system that will interface with this information (for example via RSS feed) and display current details on these areas to an executive; include in your description how each item is relevant to the health of the business. The information presented on the output screen should be succinct and light on technical detail. Business abbreviations (such as stocks) are perfectly acceptable as raw data. Ideally, these categories would all be visible on a single monitor screen without scrolling (if they are articles, then just the headline as a clickable link would be sufficient). Suggest at least two ways in which this system might be useful.

Submissions Details:

  • Submit your response to the Submissions Area by the due date assigned.
  • Name your document: SUO_MIS3101_W4_A2_LastName_FirstInitial.doc.
  • On a separate page, cite all sources using the APA format.

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PERSONAL FINANCIAL PLAN
Date:10/25/2020
Economics of Personal finance
By: Jasmin Linthicum
Part 1: Foundation of the Plan
In this case we will prepare a financial plan for Calvin, who is a middle-aged person and is aiming to achieve his goals of having enough savings in order to allow him to retire. The savings will eventually cater for his needs in his time of retirement. At this time, Calvin has made a couple investments which he is unsure of whether or not will go through well. Calvin is also not certain whether he has sufficient resources as far as finances are concerned to take him through the rest of his life. (Murphy & Yetmar, 2010). Failure to plan is planning to fail in one way or the other. The amount of finance that is there and what he prospects to have must ne planned for, for future use and generations to come. We hope that the personal financial plan will address all the necessary challenges and offer a solution to the client in the best of our ability.
Part 2: Managing Assets
In this part we will do a calculation of Calvin’s total net worth as far as his assets are concerned. This will be achieved by taking a sum of all his assets and then deducting all of his liabilities. Once we find out that Calvin has a negative net worth, this will mean that he has to focus more on reducing his debts to cover for it. In asset management we will look at things such as cash and other equivalents of cash, accounts connected to brokerage, the value of his home etc. Each of these assets will be added up and balanced with his liabilities. (Murphy & Yetmar, 2010). By managing the assets Calvin will be able to identify and manage the risks that may be associated with ownership of certain assets. It will also aid in the traceability of all the assets owned by the client, remove worn out, obsolete and stolen assets from his record also referred to as ghost assets to avoid tracking them in future. To perform as strategic asset management, we look forward applying the best asset management software that will easily enable traceability of all assets that belong to Calvin. The software will ease in developing the asset inventory, computation of life cycle costs, determining the level of services offered by the assets while at the same time enable the client to establish long term financial planning. With a well-established financial plan, Calvin will be able to develop long term financial plans by identifying the most feasible objectives and the ones that need to be given priority. The information will aid in explaining how Calvin acquired and used the assets as the information will be available in a database.
Part 3: Managing Liabilities
Once we are done calculating Calvin’s personal net worth, checking out the real value of his liabilities will be the next thing, with an aim of working to bring it down. Working on reducing the debts with high interests such as those of credit cards as well as personal loans will be key. Elimination of most if not all debts always comes in handy. In this case we will take a good look at all debts that are under Calvin’s name and get those ones cleared. (Gitman, Joehnk & Billingsley, 2013).
The primary goal of liability management is to maximize earnings and returns on assets within acceptable levels of risks. The management of liabilities will enable Calvin from running into bad debts. That may result into business failure and worse of all government interventions that may lead to closure of his investments. A good accounting software is projected to be used to keep an eye of his outstanding debts. We advise Calvin to talk to all his creditor about his loan terms ad this will enable him prevent increment of monthly repayments and interest payments. A good payment plan should be over a long period of time and this will enhance conveniences in the payment process. Discussing with the creditors about payment terms is encouraged as it shows the willingness to pay the debts and this is also encouraged for Calvin to do.
Part 4: Managing Risk
In this part we will have a look at how to better manage risks by determining how much Calvin needs to be able to cover them through insurance. Some of the risks that Calvin needs to take a closer look at include but are not limited to insurance on auto, health insurance, and insurance on life as well as a homeowner’s insurance cover. Different people have different needs as far as insurance is concerned and thus Calvin’s insurance needs are also different from other people’s. Factors that will definitely affect these choices of insurance will include profession, age, status of economy, health as well as family status. (Gitman, Joehnk & Billingsley, 2013).
After identifying the risks, efficient strategies must be put in place in order to mitigate the risk. We advise Calvin to keep adequate emergency funds in case of any uncertainty that may arise. Diversification of investments is another step in risk management. This step will prevent Calvin from being overly dependent on one source of capital and also enable him minimize risks by spreading out his investment across a wide range of portfolios preventing him from big losses. We advise Calvin to have am alternative source of income in case the main investment fails. We advise our client to always read the fine print as it always favor the other party in case of a business crisis.
Part 5. Investment Strategy
Calvin will need to determine how much of conservancy he needs in regards to investment; all this based on the initial financial projections. If Calvin manages to use an asset allocation of about 45%, this will keep his risks at par with the already set overall goals. This will also be able to provide returns sufficient enough to cover the set goals. (Altfest, 2004). The investment strategy that reduces risk and maximizes the return is the one that we will adopt for Calvin. We encourage Calvin to invest in what he understands and what is interesting to him in that he can easily make decision pertaining the investment. At his middle age, it’s a high time that he starts investing because the longer the money is invested the higher the returns. Since these are his working years, Calvin should set up and stick with a determined cash flow management. He can only achieve this by automatically achieving a certain percentage of his salary monthly.
Part 6: Retirement and Estate Planning
The transition from young to old age is inevitable. Retirement and estate planning will enable Calvin decide how he wants his assets distributed after he dies. In this personal financial plan, Calvin will be required to get the services of a lawyer in order to help him with getting documents for planning an estate. The same lawyer will be in a position to help with coming up with a will as well. (Altfest, 2004). Retirement planning will enable to decide what they want to have in future as a house, a company or even a spouse. To achieve this Calvin is mandated to have a pre-retirement budget, goals on savings, determine the best investment strategy as well as having a will a patient decree already prepared by his lawyer.
Other retirement plans will be investing in a divided portfolio or bonds which will eventually give Calvin a constant cash flow in addition to his pension and other benefits of retirement. (Altfest, 2004)
WORKSHEETS:
Worksheet on Calvin’s assets:
Cash & equivalents of cash – $100,000
Brokerage account – $315,000 with a current valuation of = $200,000
Retirement Annuity ($250,000 with a current valuation of = $130,000
Calvin’s account = $520,000), with an employer match of = 3%
Value of home = $388,000 with staggering = $120,000 mortgage rated at 4.5% on interest
Calvin’s three-year-old car is valued at = $27,000. With a balance on loan = $9,500.
Worksheet on Calvin’s liabilities:
Vehicle loan = $9,500
Mortgage = $120,000
 
 
 
 
 
 
REFERENCES:
Altfest, L. (2004). Personal financial planning: Origins, developments and a plan for future direction. The American Economist, 48(2), 53-60.
Corlett, J. B., Corlett, P. G., Maree, J. W., & MacDougall, B. H. (2001). U.S. Patent No. 6,253,192. Washington, DC: U.S. Patent and Trademark Office.
Gitman, L. J., Joehnk, M. D., & Billingsley, R. (2013). Personal financial planning. Cengage Learning.
Murphy, D. S., & Yetmar, S. (2010). Personal financial planning attitudes: a preliminary study of graduate students. Management Research Review.

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Professional Assignment 2 – CLO 1, CLO 2, CLO 3, CLO 4, CLO 5, CLO 6
 
PA2 included two parts: Part 1 about evaluating beta and WACC, and Part 2 is about data acquisition in preparation of the CLA2. You need to do both parts to demonstrate your comprehensive evaluation  of the company’s opportunity cost as well as your skills in retrieving and organizing historical data on securities for the purpose of portfolio formation.
 

  1. Search Yahoo Finance, or any other credible source to retrieve the most recent income statement and balance sheet for a major leveraged corporation.
    1. Provide these statements in proper format and include a screenshot of the data.
    2. Retrieve the data on the company’s historical data and calculate annual rate of return by using adjusted closing prices for the past 20 years. using adjusted closing values the past 20 years.
    3. Using the data on the company’s stock rate of return and the index’s rate of return estimate beta of the corporation. Compare this value with the value stated by the source.
    4. Retrieve the risk-free rate of return as the annual interest rate of US treasuries. Based on these values estimate the expected annual rate of return of the corporation’s security. Compare your estimate with the expected rate of return as evaluated based on your data in part b.
    5. Using the financial statements mentioned above estimate the annual rate of interest paid by the corporation (cost of debt). Also, find the tax rate and capitalization ratio (proportions among equity and debt). Using these values that you have found estimate the annual weighted cost of capital (WACC) of the corporation.

 

  1. This part of the assignment is in preparation for CLA2. Choose 5 major securities from different industries, among which one can be the one you chose in part 1 of the question, Retrieve the data on the companies’ historical data and calculate annual rate of return for the past 20 years for each security.

 
Provide your explanations and definitions in detail and be precise. Comment on your findings. Provide references for content when necessary. Provide your work in detail and explain in your own words. Support your statements with six (6) peer-reviewed in-text citation(s) and reference(s).
 
 

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Complete Problem 5.29 of Chapter 5 and submit to your instructor. Complete your assignment in Excel and submit your completed Excel workbook to your Instructor for grading.
5.29. Refer to Example 5.6 in the chapter. It was shown that the percentage change in the index of hourly earnings and the unemployment rate from 1958-1969 followed the traditional Phillips curve model. An updated version of the data, from 1965-2007, can be found in Table 5-19 on the textbook’s Web site.

  1. Create a scattergram using the percentage change in hourly earnings as the Y variable and the unemployment rate as the X variable. Does the graph appear linear?
  2. Now create a scattergram as above, but use 1/X as the independent variable. Does this seem better than the graph in part (a)?
  3. Fit Eq. (5.29) to the new data. Does this model seem to fit well? Also create a regular linear (LIV) model as in Eq. (5.30). Which model is better? Why?