Discuss how these different plans might impact individuals seeking healthcare services.
Explore the plans and prices of healthcare coverage through the federal government programs at https://www.healthcare.gov/see-plans/. Compare prices and what services are covered for each plan. Discuss how these different plans might impact individuals seeking healthcare services.
PLEASE USE APA 7 EDITION,
AT LEAST 3 REFERENCES WITH A MAXIMUM OF 5 YEARS
700 WORDS
Is selection bias potentially an issue?
Answer questions as fully as possible, keeping in mind the expected length. Offer details, examples, etc. to motivate and explain your points.
Remember that both content and writing quality count. Be sure you accurately apply concepts and explain them well.
Answers should be approximately 250-300 words only!
- There is currently a lot of debate in some states about whether sex education should be taught in high school. Your local school system wants to put out a survey to find out the opinions of parents on this debate.
Is selection bias potentially an issue?
If so, would it be of concern in terms of survey results?
What might the school system do if it is concerned about potential selection bias?
Relate a hiring experience you have had as a job seeker to the process illustrated in Figure 1-1. What could the organization you applied to have done to improve your experience?
Strategic Staffing text, Chapter 1, end of chapter discussion questions, p. 26
- Relate a hiring experience you have had as a job seeker to the process illustrated in Figure 1-1. What could the organization you applied to have done to improve your experience?
- Assume that your organization wants to pursue a staffing strategy of acquiring the best talent possible. Give an example of how the firm’s ability to provide only average pay can affect the success of this staffing strategy.
- Why is staffing so important to store performance as discussed in the chapter opening Staffing Challenge?
- Recruiting and selection are interdependent, two-way processes in which both employers and recruits try to look appealing to the other while learning as much as they can about their potential fit. Impression management is the process through which people and employers each try to control the impressions others form of them. How do applicants and employers try to look appealing to each other during the staffing process?
summarize the arguments found in the following article: The Virtues of Patriotism, the Vices of Nationalism
About this Assignment
Symbolic logic and Venn diagrams are tools that can be used to remove the content of an argument and examine whether or not the argument itself makes sense. Using these tools, you will examine an argument using symbolic logic and Venn diagrams and/or truth tables in your paper. Your paper should be 1500 words minimum.
Prompt
Debates about policy, philosophy, theology, and ethics abound in social media between family, friends, and strangers, and these arguments can get very heated. For this assignment, summarize the arguments found in the following article:
The Virtues of Patriotism, the Vices of Nationalism
Look to include the following elements in your analysis:
Deconstruct the arguments into symbolic statements
Use Venn diagrams and/or truth tables to examine the soundness of the arguments
Discuss the results of your examination and the limitations of your analysis
Demonstrate how the same arguments would work with a different subject
Related Lessons
Symbolic Logic: Definition & Examples
Using Venn Diagrams to Show Conjunctions & Disjunctions
Propositions, Truth Values and Truth Tables
Formatting & Sources
Please write your paper in APA format. You may refer to the course material for supporting evidence, but you must also use at least 3 sources and cite them using APA format. Please include a mix of both primary and secondary sources, with at least one source from a scholarly peer-reviewed journal. If you use any Study.com lessons as sources, please also cite them in APA (including the lesson title and instructor’s name).
Primary sources are first-hand accounts such as interviews, advertisements, speeches, company documents, statements, and press releases published by the company in question.
Secondary sources come from peer-reviewed scholarly journals, such as Computing Edge. You may use sources like JSTOR, Google Scholar, and IEEE.org to find articles from these journals. Secondary sources may also come from reputable websites with .gov, .edu, or .org in the domain. (Wikipedia is not a reputable source, though the sources listed in Wikipedia articles may be acceptable.)
Could you interpret why the stock goes up/down? What were the most probable drivers?
Portfolio Management Final Assignment: INVESTMENT Simulation
individual
you have to submit: 12 slides presentation (.pdf or .ppt), and written report of 1000-1500 words (.pdf)
60% of the final grade
Investment competition instructions:
The closing date of the simulation: Monday of week 8.
Recommended structure of the presentation:
Slide 1: Show which stocks you chose for your portfolio. Report the weights of the stocks, prices at the beginning and at the end of the competition. Do not choose more than 4 stocks.
Slide 2: Report the overall realized return on your investment portfolio.
Realized return of portfolio=w1R1+w2R2+w3R3+w4R4
wi=weight of stock ‘’i’’ in your portfolio
Ri=realized return of asset ‘’i’’= (Price @ end – Price @ beginning)/Price @ beginning
OR
more formally:
R=(P[t+1]-P[t])/P[t]
Slide 3: How did you choose the stocks to your portfolio: fundamental analysis, technical analysis, recommendations of analysts, news analysis, etc.
Slide 4: Report the variance-covariance matrix
Option 1: Take estimates from the other web pages
You can take estimates of volatilities of individual stocks from Reuters, Bloomberg, Yahoo finance or other sources. If you are not quite sure how to estimate covariances between stocks:
You can take estimates of Reuters, Bloomberg or other credible web page.
Option 2: Compute by yourself using historical data
How to estimate variance-covariance matrix from historical data:
https://www.youtube.com/watch?v=V10ZoFvhy6s
Option 3: Less preferable
You can assume that all the covariances are zeroes. It is an option only if you are unable to do one of the two methods above.
Slide 5: Compute the volatility of your portfolio
Hint: it is easy to compute in matrix form in excel. MMULT command.
Sigma2_p= w_T* Variance-covariance matrix*w
Slide 6: Compute Sharpe ratio, assuming risk-free rate of 2%. Interpret Sharpe ratio.
Slide 7: Do you have any abnormal (more than 10% per period) changes in price of the stocks from your portfolio? Could you interpret why the stock goes up/down? What were the most probable drivers?
Slide 8: If you would be able to go back in time and change the structure of your portfolio would you choose some other stocks?
Slide 9-11: Any significant information you would like to talk about.
Slide 12: Conclusions and lessons learned
Formalities:
Wordcount: not more than 1500 words for the written report. Report should discuss the same topics as presentation but in a greater detail.
Cover, Table of Contents, References and Appendix are excluded of the total wordcount.
Font: Arial 12,5 pts.
Text alignment: Justified.
The in-text References and the Bibliography have to be in Harvard’s citation style.
Weight: This task is a 60% of your total grade for this subject.
It assesses the following learning outcomes:
Understand and utilize the principles of risk and return and diversification in the analysis of investments and portfolios
Appreciate and include the effects of the external environment (political, economic and cultural for both the domestic and global map)
Identify, analyze, evaluate and select investment choices from among the various types of investments including stocks, bonds, commodities and derivatives
Construct artificial and actual portfolios using strategies that reflect investment goals and financial conditions
How does strategic alignment, value delivery, resource management, and performance measurement change when considering different global environments?
Part 1: 2 Page
Find a peer-reviewed scholarly journal article discussing electronic innovation and the government. Complete a review of the article by writing a 2 page overview of the article. This will be a detailed summary of the journal article, including concepts discussed and findings. Additionally, find one other source (it does not have to be a peer-reviewed journal article) that substantiates the findings in the article you are reviewing.
Part 2: 1 page
The two main objectives of IT governance are: adding value to the business through information technologies and mitigating the risks associated with them. How does strategic alignment, value delivery, resource management, and performance measurement change when considering different global environments?
Part 3: 1 page
Think about the last time you utilized a mobile application or attempted to build your own mobile website. What planning process did you go through before you began your project? You may have considered the steps or tasks you needed to perform. You may also have considered the resources and platforms needed for your outcome. For example, which model fits your business domain needs? Do you have time constraints that will make completing the web application/site difficult within a reasonable period of time? You may also have considered the myths that surround developing mobile apps and the difficulties generally associated with mobile app development.
How does design & utility make a difference between good vs great websites? Explain
How is deciding between a mobile application vs a mobile website an important consideration by developers? Explain.
Why are push notifications the preferred method of communication over instant messaging among young people?
Discuss why the argument is a fallacy and how it seeks to persuade listeners.
About this Assignment
Logical fallacies are frequently used in arguments and have an intuitive appeal that makes them effective for politicians to use. Using your understanding of fallacies, you will listen to and take notes of a political speech and discuss how fallacies were used in the speech. Your paper should be 1500 words minimum.
Prompt
Politicians use logical fallacies to persuade listeners during their speeches. For this assignment, watch a public speech by a politician (any politician will do) and take notes about any logical fallacies that they use during their speech. Write a paper that identifies five fallacies in their argument. Your paper should address the following:
Quote and correctly identify the type of fallacy used
Discuss why the argument is a fallacy and how it seeks to persuade listeners.
Reframe the fallacies using different terms to show why the argument does not make sense.
Discuss how and if the argument could be restated to avoid the fallacy. Once rephrased, is the argument still sound?
Formatting & Sources
Please write your paper in APA format. You may refer to the course material for supporting evidence, but you must also use at least 3 sources and cite them using APA format. Please include a mix of both primary and secondary sources, with at least one source from a scholarly peer-reviewed journal. If you use any Study.com lessons as sources, please also cite them in APA (including the lesson title and instructor’s name).
Primary sources are first-hand accounts such as interviews, advertisements, speeches, company documents, statements, and press releases published by the company in question.
Secondary sources come from peer-reviewed scholarly journals, such as Computing Edge. You may use sources like JSTOR, Google Scholar, and IEEE.org to find articles from these journals. Secondary sources may also come from reputable websites with .gov, .edu, or .org in the domain. (Wikipedia is not a reputable source, though the sources listed in Wikipedia articles may be acceptable.)
Provide a synopsis of the article’s content, as well as possible business applications or connections for the information based on your academic or professional experience.
Discussion 1 (250 words)
Go to the web page for the magazine Analytics, a practitioner source for current business, ethical, and legal discussions located at https://pubsonline.informs.org/magazine/analytics Select an article that relates to one of the topics discussed this week or your dissertation study. Provide a synopsis of the article’s content, as well as possible business applications or connections for the information based on your academic or professional experience. Make sure to provide a link to the article that works in your References to allow others to review your selected article.
Discussion 2 (250 words)
Go to https://www.kdnuggets.com/news/top-stories.html or http://perceptualedge.com/example20.php and become familiar with the range of analytics resources available on this portal. Then, identify an article, a white paper, or an interview script that deals with the nature of data, management of data, and/or governance of data as it relates to BI and business analytics, and critically analyze the content of the article.
Do the ends justify the means in this case, as it turns out? Explain and offer evidence
One Page only
Let’s consider Case 10 (page 246 of our textbook 6th edition and attached), Goldman Sachs and its role in the subprime mortgage crisis that escalated a downward financial spiral. In particular, focus on question 4 (page 250) at the end of the case; “Do the ends justify the means in this case, as it turns out? Explain and offer evidence.” You have the benefit of hindsight, a rare commodity.
Case 10 Goldman Sachs:
Hedging a Bet and Defrauding Investors Securities Exchange Commission Charges Goldman Sachs On April 16, 2010, the Securities and Exchange Commission (SEC) charged Goldman Sachs & Co. and one of its vice presidents with defrauding investors. During this time, the U.S. economy was in a state of severe recession following the subprime mortgage crisis. Goldman Sachs was charged with defrauding investors by misstating and omitting key facts about a fi nancial product linked to subprime mortgages. The company had sold a fi nancial product to investors created by the hedge fund Paulson & Co., which had bet against the success of the product. This case details the actions leading to the largest- ever settlement paid by a Wall Street fi rm to the SEC. The ABACUS 2007- AC1 Product Development of the ABACUS 2007- AC1 product began in 2007. It was a collateralized debt obligation (CDO). CDOs are based on the per for mance of subprime residential mortgage- backed securities. Paulson & Co., one of the largest and most profi table hedge funds, approached Goldman Sachs and paid the fi rm to structure a deal in which Paulson & Co. would add the mortgage securities to their portfolio. The hedge fund took a “short position” against the ABACUS product and the mortgage securities, betting on residential mortgages to fail. Placing the securities in a CDO would temporarily hide the true value of the loans and mislead investors; and when the loans went into default, the price of the product would plummet. Those who bet against the CDO stood to make signifi – cant profi ts. On April 26, 2007, the transaction between Goldman Sachs and Paulson & Co. closed. Paulson & Co. paid Goldman Sachs $15 million to structure and market the ABACUS product. Paulson & Co. is one of the most profi table hedge funds in history, overseeing more than $32 billion in assets. Founded by John Paulson, a Harvard MBA graduate and one of the world’s wealthiest people, the hedge fund had earnings in the tens of billions in each of the most recent fi scal years. The majority of Paulson’s profi ts came from the collapse of the housing market. He predicted the billion- dollar write- downs of mortgage- backed securities and took advantage of that foresight. Paulson found subprime mortgages with adjustable rates in areas like California, Arizona, Florida, and Nevada— states that had experienced high increases in home prices that were severely infl ated and would drop signifi cantly. Goldman Sachs knew of Paulson & Co.’s strategic approach to the ABACUS 2007- AC1. In marketing the ABACUS product, Goldman Sachs stated that the securities were selected by ACA Management LLC. ACA was a reputable third party with experience in residential mortgage- backed securities. Investors were not informed that Paulson & Co. had also played a signifi cant role in selecting the 4 The Corporation and External Stakeholders 247 securities in the portfolio and that Paulson & Co. stood to benefi t if the ABACUS securities defaulted. ACA and the other investors, IKB Bank, were still responsible for due diligence regarding the investment. While Paulson & Co. engaged in the selection pro cess of the securities in the ABACUS portfolio, ACA analyzed and approved every security in the deal. ACA had the fi nal authority over the securities included in ABACUS. The fact that ACA, an objective third party, had the fi nal approval in the selection of the portfolio was important to investors. IKB, a German bank, stated that if it had known of Paulson & Co.’s role in the selection of the mortgagebacked securities and their intended short position, it would not have invested in the product. Goldman Sachs knew of the potential harmful consequences in selling the ABACUS product but chose to ignore the risks in favor of profi ts. CDOs were fi nancial products that hedge funds like Paulson & Co. could bet on with very little risk. Goldman Sachs was not the only fi rm to engage in the practice of creating CDOs. More than $250 billion of these products were sold into the market in the two years leading up to the U.S. fi nancial crisis. Many have speculated that a majority of these CDOs were deliberately designed to fail, similar to the ABACUS. The Case against Fabrice Tourre The man responsible for ABACUS was Fabrice Tourre. Tourre was a 31- year- old mid- level trader who’d been working at Goldman Sachs since 2001. Tourre foresaw the downfall of highly leveraged securities as early as 2005. He was one of the few who understood the complexity of the securities and saw an opportunity to help Goldman Sachs offset some of its impending losses. Tourre oversaw the ABACUS product from the beginning. He structured the transaction, marketed the product, and spoke directly with investors. With the knowledge that Paulson & Co. had designed ABACUS to fail, Tourre and Goldman Sachs chose not to disclose this information to investors. Tourre also misled the so- called third- party creators of ABACUS, ACA, into believing that Paulson & Co. had contributed approximately $200 million to the equity of ABACUS. Goldman Sachs again did not disclose that Paulson & Co.’s interests were contrary to ACA’s. Once the SEC lawsuit was fi led, Goldman Sachs very quickly distanced itself from Tourre; continually declined to comment on Tourre’s case; and even aided the SEC investigation of his actions. Tourre defended himself vigorously and claimed that he did not intentionally mislead investors. He stated that the marketing materials for ABACUS were incomplete and that additional information may have been needed. Many times, Tourre called himself “the Fabulous Fab.” When asked if he regretted his actions, Tourre’s only response was that he was “sad and humbled about what happened in the market.” Tourre’s actions received respect from Wall Street bankers and traders, who admired the way he foresaw the collapse in the housing market and, in turn, structured a lucrative deal for his client, Paulson & Co. In the banking industry, he was a legend. 248 Business Ethics The Downfall ABACUS was created in April of 2007. It received a AAA rating from both creditrating agencies, Moody’s and Standard & Poor’s. These agencies are never informed of the identity of the investors who participated in the deal. Due to the events surrounding the housing market bubble, the credit agencies’ ability to rate securities was called into question. During 2007, an internal conversation began within Moody’s to determine whether lower ratings should be issued on CDOs and other deals involving mortgage bonds or other assets. It was determined that more evidence was needed to prove any deterioration in the housing market. Other rating fi rms acted similarly, choosing to ignore the signs of an impending collapse and allowing many ABACUS- like structured deals to enter the market. By October 2007, 83% of the residential mortgage- backed securities in the ABACUS portfolio had been downgraded, and the remaining 17% were trending negative. By January 2008, 99% of the securities had been downgraded. The German Bank, IKB, investors into ABACUS 2007- AC1, allegedly lost more than $1 billion. In April 2010, the SEC fi led complaint charges against Goldman Sachs and Fabrice Tourre for the actions taken in structuring and marketing the ABACUS 2007- AC1. The SEC reported violations of section 17(a) of the Securities Act of 1933; section 10(b) of the Securities Exchange Act of 1934; and Exchange Act Rule 10b- 5. The SEC was seeking injunctive relief, disgorgement of profi ts, prejudgment interest, and fi nancial penalties. The chairman and CEO of Goldman Sachs, Lloyd Blankfein, spoke candidly and proclaimed that the day the suit by the SEC was fi led was “one of the worst days in my professional life.” The Settlement On July 15, 2010, Goldman Sachs entered into a settlement with the SEC, neither acknowledging any wrongdoing nor denying the SEC’s allegations. In a statement made by Goldman Sachs, the only admittance made by the fi rm was “that the marketing materials for the ABACUS 2007- AC1 transaction contained incomplete information. In par tic u lar, it was a mistake for the Goldman marketing materials to state that the reference portfolio was ‘selected by’ ACA Management LLC without disclosing the role of Paulson & Co. Inc. in the portfolio selection pro cess and that Paulson’s economic interests were adverse to CDO investors. Goldman regrets that the marketing materials did not contain that disclosure.” The timing of the settlement announcement came only hours after the Senate had passed legislation to reform the U.S. fi nancial system. Many saw this as po liti cal posturing by the SEC and a message for the rest of the fi nancial industry. Goldman Sachs paid the SEC $550 million to settle the charges. It was the largest settlement ever paid to the SEC by a Wall Street fi rm. On the day the settlement was announced, Goldman Sachs’ stock price rose over 4%. The settlement agreement ended three months of uncertainty with the fi rm. Investors saw it as a positive step, noting that top management was kept intact. The $550- million 4 The Corporation and External Stakeholders 249 fi gure was far lower than the anticipated $1- billion estimate predicted by many analysts. In addition to the monetary settlement, Goldman Sachs was forced to make several internal changes. The fi rm was required to increase training for employees who deal with mortgage securities and increase oversight in the structuring and marketing of those securities. The settlement resulted in new industry- wide regulation. In its handling of Goldman Sachs, the SEC and its director of enforcement, Robert Khuzami, made it clear that the agency wanted to send a message not only to the fi rm, but to the entire industry. Follow- up Fabrice Tourre’s battle, however, did not stop there. As the New York Times stated, “Mr. Tourre was found liable in August [2013] on six counts of civil securities fraud after a three- week jury trial in Lower Manhattan.” He has since fi led for a retrial (September 2013) because “there was a lack of evidence to support the jury’s decision on some counts and that evidence was not presented to the jury in other instances.” Tourre is still awaiting a judgment. Refl ections on Goldman Sachs and the ABACUS Product The economic environment is often one of the primary forces behind stakeholder decisions, as in this case. The way in which the economic climate is trending may be a predictor of many business decisions. This was undoubtedly the case in Goldman Sachs’ decision to structure, market, and sell CDOs. Goldman Sachs and Fabrice Tourre realized the impending collapse of the housing market and the resulting losses for the fi rm. Paulson & Co. also understood the economic climate and bet against the mortgage- backed securities that Goldman Sachs sold to investors. The government and legal environment also made it possible for Goldman Sachs to engage in unethical practices. The lack of transparency in marketing materials for the ABACUS product was not uncommon. Investment banks were not forced to disclose to rating agencies the investors in the product, nor were they required to identify the security selection pro cess. ACA, the objective third party, had the opportunity to review all the securities in the portfolio, as was their legal right, but because of the lack of a legal obligation for Goldman Sachs to disclose certain information, ACA was at a considerable disadvantage when it came time to evaluate many of the underlying assets in the portfolio. Corporate Crisis Management Phases An interesting aspect of the Goldman Sachs case was the reaction of the fi rm to the fi ling of the SEC lawsuit. The corporate social response stages in crisis management frameworks appropriately describe the experiences that characterized Goldman Sachs’ dealing with the lawsuit. During the “reaction” stage— when the crisis fi rst occurred— a fi rm is unsure of all the facts surrounding the crisis, but must look confi dent for its stakeholders. Goldman Sachs’ stock plummeted when word of the lawsuit hit Wall Street. CEO Lloyd Blankfein categorically 250 Business Ethics denied any wrongdoing, insisting that the charges were fraudulent. This led to the second stage, “defense,” when a fi rm’s reputation is at risk and speculation arises as to the future of the fi rm. In Goldman’s case, analysts were predicting billion- dollar fi nes and changes at the management level. The “insight” stage soon follows as a fi rm is forced to consider the fact that they may be at fault. To appease the SEC, Goldman Sachs not only conducted an internal review of the ABACUS product, but also of many similar products. This led to the fourth stage, “accommodation,” when a fi rm acknowledges wrongdoing, apologizes, and reassures the public of its stability. Goldman Sachs apparently turned trader Fabrice Tourre into a scapegoat, distancing itself from him and claiming that he had control over the ABACUS product. The fi rm also settled with the SEC for a record sum, but still far short of the predicted estimates. The SEC vowed to implement regulation that would increase transparency in the marketing of complex securities, and Goldman Sachs pledged to increase oversight in the structuring and selling of these securities. Goldman Sachs’ stock is higher at the time of writing than it was previous to the lawsuit. Questions for Discussion 1. Was Goldman Sachs just taking advantage of a situational opportunity in the marketplace in this case? Explain and justify your answer. 2. Who, if anyone, was to blame for the illegal actions taken in this case and why or why not? 3. Who paid and at what “price” for the fi nancial/economic and social costs of the transactions and results of transactions here? 4. Do the ends justify the means in this case, as it turns out? Explain and offer evidence. 5. What ethical and social responsibility lessons can you offer from this case and the aftermath? Explain
How can your experiences in the practicum help you achieve these aims?
Assignment 2: Practicum Experience Plan (PEP)
As you establish your goals and objectives for this course, you are committing to an organized plan that will frame your practicum experience in a clinical setting, including planned activities, assessment, and achievement of defined outcomes. In particular, they must address the categories of clinical reasoning, quality in your clinical specialty, and interpersonal collaborative practice.
For this Assignment, you will consider the areas you aim to focus on to gain practical experience as an advanced practice nurse. Then, you will develop a Practicum Experience Plan (PEP) containing the objectives you will fulfill in order to achieve your aims. For this practicum experience, be sure to develop goals and objectives that allow you to synthesize knowledge and skills related to assessment, diagnosis, and treatment planning.
To Prepare
Review your Clinical Skills Self-Assessment Form you submitted last week and think about areas for which you would like to gain application-level experience and/or continued growth as an advanced practice nurse. How can your experiences in the practicum help you achieve these aims?
Review the information related to developing objectives provided in this week’s Learning Resources. Your practicum learning objectives that you want to achieve during your practicum experience must be:
Specific
Measurable
Attainable
Results-focused
Time-bound
Reflective of the higher-order domains of Bloom’s taxonomy (i.e., application level and above)
Discuss your professional aims and your proposed practicum objectives with your Preceptor to ascertain if the necessary resources are available at your practicum site.
Select one nursing theory and one counseling/psychotherapy theory to best guide your clinical practice. Explain why you selected these theories. Support your approach with evidence-based literature.
Create a timeline of practicum activities that demonstrates how you plan to meet these goals and objectives based on your practicum requirements.
The Assignment
Record the required information in each area of the Practicum Experience Plan template, including 3–4 measurable practicum learning objectives you will use to facilitate your learning during the practicum experience.
