1)Trace the impact of a new free credit card on the us economy. How would this differ from a fee credit card?

2)How does the treasury call in bonds? Trace the effect of calling in bonds on the US economy

The current risk-free rate is 2 percent and the market risk premium is 4 percent. You are trying to value ABC company and it has an equity beta of 0.8. The company earned $3.50 per share in the year that just ended. You expect the company's earnings to grow 4 percent per year. The company has an ROE of 13 percent.

a. What is the value of the stock? Do not round intermediate calculations. Round your answer to the nearest cent.

Question 1

(a) One year borrowing and deposit interest rates are 12% and 10% respectively in the US and 10% and 8% respectively in Switzerland. The spot exchange rate for the US dollar is $8 to the Swiss Franc. The 12-month forward rate is $8.5. Suggest a way you might profit from the pricing inconsistency that is presented here, assuming you have no initial investment funds.

(b) One year borrowing and deposit interest rates are 12.5% and 10.5% respectively in the US and 10.5% and 8.5% respectively in Spain. The spot exchange rate for the
US dollar is $1.50 to the EURO. The 12-month forward rate is $1.55. Assuming you do not have any initial investment funds, suggest a way you might profit from the pricing inconsistency presented above.

A currency speculator expects the spot rate of British Pounds (GBP) to change from $2.00 to $2.20 in 6-months. Assume the speculator has access to credit lines of USD 20,000,000 in the US and GBP 10,000,000 in UK. The annual borrowing and lending rates are 6 percent in US and 4 percent in UK. If his forecast turns out be to true, at the end of the 6-month period, the speculator’s expected profit will be:

A currency speculator expects the spot rate of Euros to change from $1.20 to $0.80 in one year. Assume the speculator has access to credit lines of USD 12,000,000 in the US and EUR 10,000,000 in Europe. The annual borrowing and lending rates are 6 percent in US and 8 percent in Europe. If his forecast turns out be to true, at the end of the one-year period, the speculator’s expected profit will be:

Choose 3 journal articles you think will be useful as references for your formal lab report paper. You may use review articles or research articles. You might try typing in a keyword for your topic and the word “review”.   Obtain copies either from the library or from an on-line resource. In the space provided below, explain in no more than 5 sentences per article why you feel the article you have selected is appropriate for your paper. Just because your key word appears in the title does not automatically mean the paper will be useful for your report. Briefly state how you will use it in your report. Attach a copy of each article to the assignment before handing it in. Directions on how to access electronic journals through the University of Houston Library are at the end of this document. If you cannot download an article you desire directly from the PubMed website, try through the University of Houston Library electronic journals collection. If the university does not have the electronic version on file, you will have to go to the library and copy it on a copy machine (the old-fashioned way). If you cannot obtain a copy of the article, you can place a request through interlibrary loan at the service desk at the library or you will need to find another article.

in Crystallography

you can chose any subject you want :)

QUESTION 1

1. True or False: In the last half of the 19th century, at least 25% of the immigrants each year were German. In 2015, about 14.2% of Americans traced their ancestors to Germany, more than any other country.

   True

   False

QUESTION 3

1. "________________" is the process in which formerly distinct and separate groups come to share a common culture and merge socially.

   	a.	Assimilation
   	b.	Pluralism
   	c.	Stereotyping
   	d.	Immigration
   	e.	None of the above.

QUESTION 4

1. "__________________________" are immigrants who intend to return to their country of origin.

   	a.	Ethclass
   	b.	Peasants
   	c.	Proletariat
   	d.	Sojourners
   	e.	None of the above.

QUESTION 5

1. Upon immigrating to the United States, Mario wrote to his relatives back in his small village in Italy. Upon hearing from Mario, several of his relatives joined him in his new home in the United States. Mario helped these relatives to find jobs, a place to live, and adjust to life in America. In turn, these new arrivals would send word back to the village. As more people from the village learned about America from Mario and others, they would immigrate and move to the same neighborhood. Businesses would be started, churches founded, and organizations formed as the old language was spoken and old ways observed.

   This process is an example of how “___________________     __________________” worked.

   	a.	Chain immigration
   	b.	Ethnic succession
   	c.	Geographical distribution
   	d.	Symbolic ethnicity
   	e.	None of the above.

QUESTION 6

1. Anti-Semitism is prejudice or ideological racism directed specifically toward "____________".

   	a.	Catholics
   	b.	Italians
   	c.	Protestants
   	d.	Jews
   	e.	None of the above.

Although bullying is not a new problem, it has moved from the schoolyard and classrooms to the internet. Media such as Facebook, emails and mobile texting all provide the opportunity to "bully" others and do it on a more widespread scale than before. This can prove to be more traumatizing to the individual being bullied than traditional forms of bullying.

Here's recent link to review as part of this discussion: Bullied Teen http://www.msn.com/en-us/news/us/a-horribly-bullied-teen-committed-suicide-now-his-former-dairy-queen-boss-has-been-charged-with-involuntary-manslaughter/ar-AAmx8hs

For this discussion, consider the following questions/subtopics:

1. Do some jurisdictions consider bullying (in any form or some forms) a crime? Cite examples if you can find them. Should it be a crime in some circumstances?

2. If you feel that bullying behavior would be considered a crime, how would you define it (i.e. what would be the language that should be used in the statute)?

3. What sorts of bullying behavior coculd or should give rise to civil action against the bully? Which specific torts come to mind and why?

4. Should a parent be liable for their child's bullying of another child?

5. Should their be any distinction made between a victim being a child (minor) or an adult?

6. Do schools have an obligation to educate students and parents on the issue of bullying? Could the school, school board, teachers, etc. have potential liability for not curtailing this behavior when discovered? Should they?

Cape Fear Marine Mini Case

Sarah Connor was recently hired by Cape Fear Marine Company to assist the company with its short-term financial planning and to evaluate the firm’s financial performance. Sarah graduated from college five years ago with a degree in finance and had been employed in the treasury department of a large firm in Raleigh, North Carolina since then.

Kyle Reese founded Cape Fear Marine Company 15 years ago. The company’s operations are located near Wilmington, North Carolina. The firm is structured as an LLC. Cape Fear Marine manufactures a diverse line of boats, ranging from low-end fishing boats to high-end luxury craft. The company and its products have received high reviews for safety and reliability, as well as awards for customer satisfaction.

The marine products/boating industry is fragmented, with a number of manufacturers. As with any industry, there are market leaders, but the diverse nature of the industry ensures that no manufacturer dominates the market. The competition in the market, as well as the product cost, ensures that attention to detail is a necessity.

To get Sarah started with her analysis, Kyle has provided the following financial data. Sarah has gathered the industry ratios for the boat manufacturing industry.

a.   Calculate all of the ratios listed in the industry table for Cape Fear Marine.

b.   Compare the performance of Cape Fear Marine with the industry as a whole. For each ratio, comment on why it might be viewed as a positive or negative relative to the industry. Don’t just say it is positive or negative, or that it is positive because it is greater than the median. Tell me briefly why it is negative or positive: e.g., the firm’s debt is greater than the median and is too high because too much debt increases the probability of bankruptcy.

Warnerwoods Company uses a perpetual inventory system. It entered into the following purchases and sales transactions for March.
  

4. Compute gross profit earned by the company for each of the four costing methods. For specific identification, the March 9 sale consisted of 80 units from beginning inventory and 340 units from the March 5 purchase; the March 29 sale consisted of 40 units from the March 18 purchase and 120 units from the March 25 purchase. (Round weighted average cost per unit to two decimals.)
  

In many workplaces ranging from Fortune 500 to small enterprises, workplace communication takes place over instant messaging. The leading platform in this space is Slack, a cloud-based team collaboration tool. Messages are organized by private and public channels and users can chat, share documents, browse through past messages, and collaborate with each other. Slack is solidifying the role of instant messages in the workplace and even if you end up in a company that does not use Slack, it is likely that you will end up using one of its competitors.

Slack has an interesting founding story: Stewart Butterfield, who is also a co-founder of the image hosting service Flickr, founded the video game company Tiny Speck and released the game Glitch in 2011. As part of their game development process, the company also built a team communication platform, allowing software developers to communicate with each other while building Glitch. Glitch was shut down after a year, but the company devoted itself to the full-scale development of their communication tool, which resulted in Slack. Through word of mouth, Slack acquired 16,000 users in its beta stage, and the product was fully released in 2014. Four years later, the company boasts 50,000 companies and 6 million users. The company expects to surpass e-mail use in the workplace by 2025.

Using instant messaging organized by private and public channels is changing how people communicate in the workplace, sometimes for the better, and sometimes for the worse. On the upside, Slack often receives feedback from users who identify as shy and introverted, stating that this tool allows them to participate more in team conversations. Anna Pickard, Creative Director of Voice and Tone, at Slack, also observes that messaging makes communication more humane and natural. Communication no longer takes place between small groups of people over e-mail. Instead, it occurs in channels that are searchable and are organized by team or topic. People can reach out to and connect with people they would not otherwise. Many companies have an "ask me anything" channel where employees may post messages and high-level managers may answer, resulting in greater transparency and accessibility to upper management, helping to create a sense of belonging.

At the same time, technology sometimes amplifies communication problems that also occur in person, and creates new ones of its own. If you have ever written a chat message and instantly regretted it, you can imagine the problems that may occur at scale in the workplace. The instantaneous nature of chat can make people less deliberate and careful about their messages. There are also examples of private feedback given in an open channel, resulting in a public shaming of an employee. Slack conversations, even if they are in private channels, can be read by the employer, and may result in adverse employment actions against the employee. There is no "forward" button on instant messages, but it is all too easy to take a screen shot of the conversation and share with others, resulting in Slack leaks, similar to e-mail leaks. Additionally, there is also user error—in e-mail it is relatively easy to find out who the recipients of the e-mail are, but on Slack, people may pay less attention to who is on that channel, and others may join the channel at a later point, suggesting that the audience for the posts will evolve and can grow over time. People may confuse which channel they are on, and post messages intended for a small group to a broad audience.

As Slack grows, it develops its own etiquette. For example, hitting "enter" after every sentence is often mentioned as a no-no, and a pet peeve of heavy users. Senders are expected to complete their message and then hit enter in one go. Other habits may result in productivity losses—spending time in private chats as opposed to working is one way in which Slack and tools like it may result in productivity losses. One company banned the use of Slack during meetings, as people were having back-channel conversations during the meeting, which was distracting and affecting engagement in the meeting. How these tools are used are shaped by the office culture, and in turn will have an impact on communication culture in the workplace.

1. If you were to create a social media policy including Slack, what types of rules would you include and why?  

2. What types of messages do you believe are appropriate to communicate via Slack? For what type of communication is this tool less useful?

3. What type of communication barriers exist when workplace communication takes place over Slack and similar sources?

4. What are the implications of Slack and similar communication tools in affecting the sense of belonging that employees experience in the workplace?

5. Based on reading this case and your general experience with similar tools, what advice would you give to an employee who will start working in a company using Slack?

1. Include the bold headings below.
2. Summary: Provide a brief summary listing the key facts in the case.
3. Case Discussion Questions: Include each question before your response. Write a detailed and researched reply to each of the Case Discussion Questions found at the end of the case study.
4. Conclusion: Write a conclusion and include a separate reference page.

Can anyone help on this?.Thanks.