1. George is currently 30 years old, plans to retire at the age of 65 and to live to the age of 85. His labor income is $25,000 per year, and he intends to maintain a constant level of real consumption spending over the next 55 years. Assume no taxes, no growth in real salary, and a real interest rate of 3% per year.

a. What is the value of George’s human capital?

b. What is his permanent income?

c. What effect would a $1 million inheritance, that you expect to receive 30 years from now, have on your permanent income? (Assume a real interest rate of 3% per year and that the $1 million inheritance is in constant dollars.)

A poll was conducted to investigate opinions about global warming. The respondents who answered yes when asked if there is solid evidence that the earth is getting warmer were then asked to select a cause of global warming. The results are given in the accompanying data table. Use a 0.05 significance level to test the claim that the sex of the respondent is independent of the choice for the cause of global warming. Do men and women appear to​ agree, or is there a substantial​ difference? Human activity Natural patterns ​Don't know Determine null hypothesis, Chi square test statistic, p value, critical value, conclusion, reject or fail to reject null hypothesis.

Male 308 156 58

Female 326 158 54

It is believed by many experienced auditors that risk in payroll is an issue primarily at two locations – (1) when an individual enters the payroll system and (2) when the person leaves the payroll system. Once an individual is on the payroll, then routine occurrences such as annual raises are recorded routinely. The concern is with the possibility of “ghosts”; individuals who do not exist but get a paycheck. Obviously, someone is getting the paycheck and segregation of duties between human resources and payroll can mitigate this risk.

What additional internal controls can you suggest that you think might additionally reduce this risk of payroll ghosts? Please write an articulate, thoughtful response to the question above. This response should be 200-250 words in length

1. What are the risks and benefits of using recombination to generate new receptors on the developing T and B cells?

2. There is a certain symmetry about B and T cell development. In each case there is a chain that undergoes VJ recombination and one that does V(D)J recombination. Do you have any thoughts about why this might be?

3. When antigen is recognized the system develops Effector and Memory cells. Why do you think we have immunological memory? What is it about human life history (and more generally vertebrates) that makes this important?

4. What are the tradeoffs in vaccine use? How do they change when the prevalence of disease changes?

1. What does the position of the testis tell you about spermatogenesis? Can you follow the path that sperm take as they exit the testis? Trace the vas deferens as it passes by the male accessory glands. What does the placement of these glands tell you about their contribution to the seminal fluid?

2.  Is the morphology of the spermatozoa the same as that of the human? Why do you think that sperm head morphology may differ among organisms? What is the chromosome number of the different stages of spermatogenesis (eg., haploid or diploid?). Can you see an organization in the seminiferous epithelium – how does this relate to the stages of meiosis?

3. Does the structure of the seminal vesicles appear amenable for sperm storage? Why or why not?

Frannie Mae and Freddie Mac that collapsed in 2008. The failure of Frannie Mae and Freddie Mac can be attributed to several weaknesses within the internal environment ranging from procedures and system failures to human capacity and ethical issues. Research and provide the following:

1) Identify five areas of risks that the bank failed to mitigate adequately that could have contributed to the crisis at the bank in 2008.

2) Present at least one argument for each risk you identified above to demonstrate why the poor management of that risk contributed to the demise of that financial institution.

3) Provide one or more sound recommendation(s) for each risk that you identified above that could have helped to mitigate or prevent the financial failure.

Motivating employee is of key concern to most firms, especially those operating in the
competitive Ghanaian metal industrial environments. To these firm-types, human resource is
considered unique, and the management of employees’ motivational expectations is deemed a
prerequisite for organizational success. This mindset has necessitated the need for such firms
to look for best ways of developing work-motivation systems at their workplaces that are allencompassing
and which can have the potency to satisfy employees’ work-motivational
expectations and create the requisite driving forces in them towards increased performances
and productivities.

Required:
Explain, with examples, the character of such work motivation system, and the benefits it
stands to provide the firms, if it is well designed and managed. Also argue with justifications,
how the design and management of the system should be approached.

The business faculty of a public university recorded data on the number of students enrolled in the different study majors for the years 2018 and 2019. These data are useful for the faculty for their decision making process with regard to future planning. The data are stored in BUSSTUDYMAJOR worksheet in the .xls file attached.

1. Use an appropriate graphical technique or chart to compare the number of enrolment in 2018 and 2019 of the different study major. Display the chart.  

BUSSTUDYMAJOR worksheet details:

The business faculty of a public university recorded data on the number of students enrolled in the different study majors for the years 2018 and 2019. These data are useful for the faculty for their decision making process with regard to future planning. The data are stored in BUSSTUDYMAJOR worksheet in the .xls file attached.

1. Use an appropriate graphical technique or chart to display the percentage value of the number of enrolment of the different study major in 2018. Display the chart.

BUSSTUDYMAJOR worksheet details: