Assignment Earthquakes Rated A++

Assignment: Earthquakes Rated A++ Best Roport on Earthquake
Resources: Ch. 4 & 5 of Visualizing Geology and Online animations
Due Date: Day 7 [Individual forum]
Write a 700- to 1,050-word paper in APA format that distinguishes the types of plate margins and how they move. Also, discuss why earthquakes are common along plate margins or boundaries.
Respond to the following in your paper:
o When the Earth does quake and shake, how does it move?
o What are the events that cause the Earth to quake and shake?
o How are earthquakes measured?
o Briefly describe the two types of body waves an earthquake creates.
Provide an example, in your paper, of an area that is prone to earthquakes. If you need assistance with locating an area, review the Ring of Fire animation on this week’s aXcess page.
Review the following animations, located on this week’s aXcess page, to assist in research for your paper:
o Divergent boundaries
o Convergent boundaries
o Transform fault boundaries
o Seismic waves
Post your paper to the Individual forum.


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Assignment: Psychology and Health Problems

Assignment: Psychology and Health Problems

• Resource: Figure 4.3 on p. 127 of Psychology and the Challenges of Life: Adjustment in the New Millennium

• Due Date: Day 7 [Individual] forum

• Review Figure 4.3.

• Write a 1,050- to 1,400-word paper.

• Summarize the multi-factorial model and how it relates to the diagnosis of illnesses.

• Select two health problems discussed in the text.

• Explain what role psychology has played in understanding and managing these health problems.

• Post as a Microsoft® Word attachment

Chapter 4 / Effects of Stress on the Immune System 127

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Fin 200 Final week Quiz 48 questions A++ answers

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1) What is the primary goal of financial management?
A.Maximizing cash flow
B.Increased earnings
C.Maximizing shareholder wealth
D.Minimizing risk of the firm


2) Maximization of shareholder wealth is a concept in which
A.virtually all earnings are paid as dividends to common stockholders.
B.increased earnings is of primary importance.
C.optimally increasing the long-term value of the firm is emphasized.
D.profits are maximized on a quarterly basis.


3) Insider trading occurs when
A.lawyers, investment bankers, and others buy common stock in companies represented by their firms.
B.someone has information not available to the public which they use to profit from trading in stocks.
C.any stock transactions occur in violation of the Federal Trade Commissions restrictions on monopolies.
D.corporate officers buy stock in their company.


4) Which of the following is an inflow of cash?
A.the sale of the firm's bonds
B.funds spent in normal business operations
C.the retirement of the firm's bonds
D.the purchase of a new factory


5) The statement of cash flows does NOT include which of the following sections?
A.cash flows from investing activities
B.cash flows from operating activities
C.cash flows from financing activities
D.cash flows from sales activities


6) An increase in investments in long-term securities will:
A.increase cash flow from financing activities.
B.increase cash flow from investing activities.
C.decrease cash flow from financing activities.
D.decrease cash flow from investing activities

7) In examining the liquidity ratios, the primary emphasis is the firm's
A.ability to pay short-term obligations on time.
B.ability to effectively employ its resources.
C.ability to earn an adequate return.
D.overall debt position.


8) If a firm has both interest expense and lease payments,
A.times interest earned will be the same as fixed charge coverage.
B.times interest earned will be smaller than fixed charge coverage.
C.fixed charge coverage cannot be computed.
D.times interest earned will be greater than fixed charge coverage.


9) The most rigorous test of a firm's ability to pay its short-term obligations is its
A.debt-to-assets ratio.
B.current ratio.
C.times-interest-earned ratio.
D.quick ratio.


10) Refer to the figure above. The firm's inventory turnover ratio is
A.2.7x.
B.10x.
C.0.1x.
D.8x.


11) A firm's long term assets = $75,000, total assets = $200,000, inventory = $25,000 and current liabilities = $50,000.
A.current ratio = 1.5; quick ratio = 2.0
B.current ratio = 0.5; quick ratio = 1.5
C.current ratio = 2.5; quick ratio = 2.0
D.current ratio = 1.0; quick ratio = 2.0


12) A firm has current assets of $75,000 and total assets of $375,000. The firm's sales are $900,000. The firm's fixed asset turnover is
A.2.4x
B.3.0x
C.12.0x
D.5.0x


13) In order to estimate production requirements, we
A.add beginning inventory to desired ending inventory and divide by two.
B.add beginning inventory to projected sales in units and subtract desired ending inventory.
C.add beginning inventory to desired ending inventory and subtract projected sales in units.
D.add projected sales in units to desired ending inventory and subtract beginning inventory.


14) The percent-of-sales method of financial forecasting
A.provides a month-to-month breakdown of data.
B.assumes that balance sheet accounts maintain a constant relationship to sales.
C.is more detailed than a cash budget approach.
D.requires more time than a cash budget approach.


15) In the percent-of-sales method, an increase in dividends
A.more information is needed.
B.has no effect on required new funds.
C.will increase required new funds.
D.will decrease required new funds.

16) The key initial element in developing pro forma statements is
A.a collections schedule.
B.a sales forecast.
C.an income statement.
D.a cash budget.


17) A firm has beginning inventory of 300 units at a cost of $11 each. Production during the period was 650 units at $12 each. If sales were 700 units, what is the cost of goods sold (assume FIFO)?
A.$8,100
B.$7,700
C.$8,000
D.$9,000


18) The pro forma income statement is important to the overall process of constructing pro forma statements because it allows us to determine a value for:



19) The concept of operating leverage involves the use of __________ to magnify returns at high levels of operation.


20) When a firm employs no debt

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21) Under which of the following conditions could the overuse of financial leverage be detrimental to the firm?



22) The break-even point can be calculated as


23) A firm's break-even point will rise if


24) In break-even analysis, the contribution margin is defined as



25) A conservatively financed firm would



26) During tight money periods


27) When the yield curve is upward sloping, generally a financial manager should:


28) Which of the following combinations of asset structures and financing patterns is likely to create the most volatile earnings?

29) An aggressive working capital policy would have which of following characteristics?



30) Which of the following is not a condition under which a prudent manager would accept some risk in financing?


31) "Float" takes place because



32) Which of the following is not a valid reason for holding cash?



33) The system whereby funds are moved between computer terminals without use of checks is



34) When developing a credit scoring report, many variables would be considered. Which of the following best represent the major factors Dun & Bradstreet would examine?


35) The three primary policy variables to consider when extending credit include all of the following except



36) Variables important to credit scoring models include



37) What is generally the largest source of short-term credit small firms?


38) Commercial paper that is sold without going through a broker or dealer is known as


39) Which of the following is not a method for lenders to control pledged inventory?



40) Which method of controlling pledged inventory provides the greatest degree of security to the lender?


41) A large manufacturing firm has been selling on a 3/10, net 30 basis. The firm changes its credit terms to 2/20, net 90. What change might be expected on the balance sheets of its customers?


42) Trade credit may be used to finance a major part of the firm's working capital when


43) As the compounding rate becomes lower and lower, the future value of inflows approaches


44) An annuity may be defined as


45) Increasing the number of periods will increase all of the following except



46) John Doeber borrowed $125,000 to buy a house. His loan cost was 11% and he promised to repay the loan in 15 equal annual payments. How much are the annual payments?


47) Mr. Blochirt is creating a college investment fund for his daughter. He will put in $850 per year for the next 15 years and expects to earn an 8% annual rate of return. How much money will his daughter have when she starts college?


48) If you were to put $1,000 in the bank at 6% interest each year for the next ten years, which table would you use to find the ending balance in your account?

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A circular coffee table has a diameter of 5 ft. What will it cost to have the top refinished if the company charges $3 per square foot for refinishing

A circular coffee table has a diameter of 5 ft. What will it cost to have the
top refinished if the company charges $3 per square foot for the refinishing?

Construction. An A-frame cabin has a triangular front with a base of 30 ft and a
height of 20 ft. If the front is to be glass that costs $3 per square foot, what will the
glass cost?

The distance from Philadelphia to Sea Isle City is 100 mi. A car was driven this
distance using tires with a radius of 14 in. How many revolutions of each tire
occurred on the trip?



Business and finance. Seven employees of an office donated a total of $172.06
during a charity drive. What was the average donation?

Four brands of soap are available in a local store.

BRAND OUNCES TOTAL PRICE UNIT PRICE
Squeaky Clean 5.5 $0.36
Smell Fresh 7.5 0.41
Feel Nice 4.5 0.31
Look Bright 6.5 0.44

Compute the unit price and decide which brand is the best buy.



Find the decimal equivalents for each of the following mixed numbers




Statistics. The following table gives the wins and losses of all the teams in the
Western Division of the National Football Conference for a recent season. Determine
the ratio of wins to total games played for every team, rounding to three decimal
points for each of the teams.

Team Wins Losses
San Francisco 10 6
St. Louis 7 9
Seattle 7 9
Arizona 5 11


Every fraction has a decimal equivalent that either terminates (for example, ) or
repeats (for example, ). Work with a group to discover which fractions have terminating
decimals and which have repeating decimals. You may assume that the numerator
of each fraction you consider is and focus your attention on the denominator. As you complete
the table below, you will find that the key to this question lies with the prime factorization
of the denominator.


Fraction Decimal Form Terminate? Prime factorization of the Demoniator




State a general rule describing which fractions have decimal forms that terminate and
which have decimal forms that repeat.
Now test your rule on at least three new fractions. That is, be able to predict whether a
fraction such as 1/25 or1/30 has a terminating decimal or a repeating decimal. Then confirm
your prediction.


Write each of the following as a common fraction or mixed number. Write your answer in
lowest terms. 15.35

Complete each of the following statements, using the symbol <>.

_ 0.313

Statistics. The following table gives the winning percentages of the top five coaches
in NFL history. What fraction of his games has each coach won?

Coach Percentage
Don Shula 0.676
George Halas 0.672
Tom Landry 0.606
Curly Lambeau 0.624
Paul Brown 0.667

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Fin 200 Quiz answers

1) Regarding risk levels, financial managers should
A. focus primarily on market fluctuations
B. evaluate investor's desire for risk
C. pursue higher risk projects because they increase value
D. avoid higher risk projects because they destroy value


2) One of the major disadvantages of a sole proprietorship is
A. low organizational costs.
B. low operating costs.
C. that there is unlimited liability to the owner.
D. the simplicity of decision making.


3) Corporate governance is the
A. operation of a company by the chief executive officer (CEO) and other senior executives on the management team.
B. governance of the company by the board of directors with a focus on social responsibility.
C. relationship and exercise of oversight by the board of directors of the company.
D. relationship between the chief financial officer and institutional investors.


4) Which account represents the cumulative earnings of the firm since its formation, minus dividends paid?
A. Retained earnings
B. Accumulated depreciation
C. Paid-in capital
D. Common stock


5) Which of the following is not a primary source of capital to the firm?
A. preferred stock
B. bonds
C. assets
D. common stock


6) An increase in investments in long-term securities will:
A. increase cash flow from investing activities.
B. decrease cash flow from financing activities.
C. decrease cash flow from investing activities.
D. increase cash flow from financing activities.


7) Which of the following is not considered to be a profitability ratio?
A. profit margin
B. return on assets (investment)
C. times interest earned
D. return on equity


8) For a given level of profitability as measured by profit margin, the firm's return on equity will
A. increase as its debt-to-assets ratio decreases.
B. decrease as its times-interest-earned ratio decreases.
C. decrease as its current ratio increases.
D. increase as its debt-to assets ratio increases.


9) In examining the liquidity ratios, the primary emphasis is the firm's
A. ability to effectively employ its resources.
B. ability to earn an adequate return.
C. overall debt position.
D. ability to pay short-term obligations on time.



13) In the percent-of-sales method, an increase in dividends
A. has no effect on required new funds.
B. more information is needed.
C. will decrease required new funds.
D. will increase required new funds.


14) In financial statements, the number of units shown in cost of goods sold as compared to the number of the units actually produced
A. is the same.
B. can be either higher or lower.
C. is lower.
D. is higher.


15) The percent-of-sales method of financial forecasting
A. assumes that balance sheet accounts maintain a constant relationship to sales.
B. provides a month-to-month breakdown of data.
C. requires more time than a cash budget approach.
D. is more detailed than a cash budget approach.


16) The difference between total receipts and total payments is referred to as
A. net cash flow.
B. cash balance.
C. beginning cash flow.
D. cumulative cash flow.


17) In developing the pro forma income statement we follow four important steps:
1) compute other expenses,
2) determine a production schedule,
3) establish a sales projection,
4) determine profit by completing the actual pro forma statement.

What is the correct order for these four steps?
A. 2,1,3,4
B. 3,2,1,4
C. 3,2,4,1
D. 1,2,3,4


18) The pro forma income statement is important to the overall process of constructing pro forma statements because it allows us to determine a value for:
A. interest expense.
B. prepaid expenses.
C. gross profit.
D. change in retained earnings.


19) Under which of the following conditions could the overuse of financial leverage be detrimental to the firm?
A. Stable industry
B. Low interest cost compared to return on assets
C. Cyclical demand for the firm's products.
D. Upswing of business cycle.


20) Financial leverage deals with:
A. the relationship of fixed and variable costs.
B. the entire balance sheet.
C. the relationship of debt and equity in the capital structure.
D. the entire income statement.


21) The degree of operating leverage is computed as
A. percent change in operating profit divided by percent change in net income.
B. percent change in operating income divided by percent change in volume.
C. percent change in volume divided by percent change in operating profit.
D. percent change in EPS divided by percent change in operating income.



22) If a firm has a price of $4.00, variable cost per unit of $2.50 and a breakeven point of 20,000 units, fixed costs are equal to:
A. $13,333
B. $50,000
C. $10,000
D. $30,000


23) The break-even point can be calculated as
A. variable costs divided by contribution margin.
B. fixed cost divided by contribution margin.
C. total costs divided by contribution margin.
D. variable cost times contribution margin.


24) In break-even analysis, the contribution margin is defined as
A. price minus fixed cost.
B. variable cost minus fixed cost.
C. fixed cost minus variable cost.
D. price minus variable cost.


25) Kuznets Rental Center requires $1,000,000 in financing over the next two years. Kuznets can borrow long-term at 9 percent interest per year for two years. Alternatively, Kuznets can borrow short-term and pay 7 percent interest in the first year. Then, Kuznets projects paying 10 percent interest in the second year. Assuming Kuznets pays off the accrued interest at the end of each year, which of the following statements is true?
A. Kuznets will definitely end up paying less under the long-term financing plan.
B. Kuznets will probably pay more under the short-term financing plan.
C. Kuznets will probably pay less under the short-term financing plan.
D. Kuznets will definitely end up paying more under the long-term financing plan.


26) The theory of the term structure of interest rates which suggests that long-term rates are determined by the average of short-term rates expected over the time that a long-term bond is outstanding is the
A. segmentation theory.
B. liquidity premium theory.
C. market average rate theory.
D. expectations hypothesis.


27) When the yield curve is upward sloping, generally a financial manager should:
A. utilize short-term financing
B. wait for future financing
C. lease
D. utilize long-term financing

28) An aggressive, risk-oriented firm will likely
A. borrow short-term and carry low levels of liquidity.
B. borrow long-term and carry high levels of liquidity.
C. borrow short-term and carry high levels of liquidity.
D. borrow long-term and carry low levels of liquidity.


29) Which of the following combinations of asset structures and financing patterns is likely to create the most volatile earnings?
A. Liquid assets and heavy short-term borrowing
B. Illiquid assets and heavy long-term borrowing
C. Illiquid assets and heavy short-term borrowing
D. Liquid assets and heavy long-term borrowing


30) Risk exposure due to heavy short-term borrowing can be compensated for by
A. carrying more receivables to increase cash flow.
B. carrying illiquid assets.
C. carrying highly liquid assets.
D. carrying longer term, more profitable current assets.


31) In managing cash and marketable securities, what should be the manager's primary concern?
A. Liquidity and safety
B. Maximization of liquid assets
C. Maximization of profit
D. Acceptable return on investment


32) "Float" takes place because
A. a customer writes "hot" checks.
B. the level of cash on the firm's books is equal to the level of cash in the bank.
C. a firm is early in paying its bills.
D. a lag exists between writing a check and clearing it through the banking system.


33) Which of the following is not a valid reason for holding cash?
A. to provide a compensating balance for a bank
B. to earn the highest return possible
C. to meet transaction requirements
D. to satisfy emergency needs for funds


34) Dun & Bradstreet is known for providing
A. consumer credit reports to credit card companies.
B. credit scoring reports that rank a company's payment habits relative to its peer group.
C. interest rate information to cash managers.
D. cash management systems to corporate treasurers.


35) Variables important to credit scoring models include
A. negative public records.
B. facility ownership.
C. all of these variables apply.
D. age of company in years.


36) The most subjective and also significant segment of the 5 C's of credit for giving final approval is
A. collateral.
B. character.
C. conditions.
D. capacity.


37) Compensating balances
A. are created by having a sweep account.
B. generate returns to customers from interest bearing accounts.
C. are used to reward new accounts.
D. are used by banks as a substitute for charging service fees.


38) Which of the following is not a true statement about commercial paper?
A. Finance paper is also referred to as direct paper.
B. Dealer paper is sold directly to the lender by a finance company.
C. Industrial companies, utility firms or finance companies too small to sell direct paper sell dealer paper.
D. Finance paper is sold directly to the lender by the finance company.


39) Commercial paper that is sold without going through a broker or dealer is known as
A. dealer paper.
B. book-entry transactions.
C. term paper.
D. direct paper.


40) From the banker's point of view, short-term bank credit is an excellent way of financing
A. permanent working capital needs.
B. repayment of long-term debt.
C. seasonal bulges in inventory and receivables.
D. fixed assets.


41) Which method of controlling pledged inventory provides the greatest degree of security to the lender?
A. Overall inventory liens
B. Trust receipts
C. Warehousing
D. Blanket inventory liens


42) Trade credit may be used to finance a major part of the firm's working capital when
A. neither the firm nor the supplier extends credit.
B. the firm extends more liberal credit terms than the supplier.
C. the firm extends less liberal credit terms than the supplier.
D. the firm and the supplier both extend the same credit terms.


43) An annuity may be defined as
A. a series of consecutive payments of equal amounts.
B. a series of payments of unequal amount.
C. a payment at a fixed interest rate.
D. a series of yearly payments.


44) As the interest rate increases, the present value of an amount to be received at the end of a fixed period
A. Not enough information to tell
B. decreases
C. increases
D. remains the same


45) In determining the future value of a single amount, one measures
A. the present value of periodic payments at a given interest rate.
B. the present value of an amount discounted at a given interest rate.
C. the future value of periodic payments at a given interest rate.
D. the future value of an amount allowed to grow at a given interest rate.


46) Mr. Blochirt is creating a college investment fund for his daughter. He will put in $850 per year for the next 15 years and expects to earn an 8% annual rate of return. How much money will his daughter have when she starts college?
A. $23,079
B. $12,263
C. $11,250
D. $24,003


47) If you were to put $1,000 in the bank at 6% interest each year for the next ten years, which table would you use to find the ending balance in your account?
A. Future value of an annuity of $1
B. Future value of $1
C. Present value of $1
D. Present value of an annuity of $1


48) The future value of a $1000 investment today at 8 percent annual interest compounded semiannually for 5 years is
A. $1,480
B. $1,520
C. $1,469
D. $1,555

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Final Project: Analyzing a Company's Financial Health Krispy Kreme's Management Discussion

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Final Project: Analyzing a Company's Financial Health

  • Resources: Appendix A; Appendix B; Fundamental Accounting Principles, pp. 709 and

749; Fundamental Accounting Principles, Appendix A p. A-1; and www.krispykreme.com

  • Due Date: Day 7 [Individual] forum
  • Complete questions 1-3 of BTN 17-1 on p. 709.

To access Krispy Kreme's Management Discussion and Analysis for the year ending February 3,

2002:

o Go to www.krispykreme.com

o In the menu on the left, place your mouse over the Krispy Kreme hyperlink.

o Click on Investor Relations on the menu that pops up.

o Click on SEC Filings from the selections on the bar in the middle of the page.

o Under the Quick Links heading, click on the link for 10-K.

o Open the 10-K report filed 05/07/02. Open the Microsoft® Word or .pdf version.

  • In the Table of Contents of the Microsoft® Word version, click on EX-13 (Annual

Report to Security Holders).

  • In the Table of Contents of the .pdf version, click on EX-13 (Annual Report to

Security Holders).

o In either version, scroll down to the section titled Management's Discussion and

Analysis of Financial Condition and Results of Operations.

  • Write a 1,050- to 1,750-word paper on the general financial health of Krispy Kreme

based on the analyses conducted throughout this course. Be sure your paper covers the

following points:

o Discuss the importance of each of the five analyses you covered throughout the

course: depreciation analysis, company stock analysis, cash flow statement analysis,

income statement trend analysis, and management analysis. In each case, explain

what the information conveys to management. Talk about how you used each of

these tools as you analyzed Krispy Kreme's financial statements. What do they

reveal about the financial health of the company?

ACC 226 Managerial Accounting

Course Syllabus Page 20

o Discuss any significant changes observed in the results of your year to year financial

analyses. What are some possible causes for those changes? What are the financial

implications of these changes for the company?

o Answer questions 1 and 2 of BTN 18-1 as part of your final paper. You may want to

use the section on Management Analysis in Appendix B for your notes.

  • Format your paper according to APA guidelines.
  • Post as an attachment.

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Students Rights and Teachers Responsibilities locker paper

Choose one of the following issues regarding students? rights and teachers? responsibilities:
o Random student locker searches without permission

Answer the following: Explain the responsibilities you have as a teacher in the issue you chose. What are the students' rights? Do you have a responsibility to limit their rights?

Write a 700-1,050 word paper answering the above questions. Identify the rights and responsibilities you will have as a teacher. How will your responsibilities as a teacher influence the rights of your students? Is it fair to infringe on students' rights for the sake of the learning environment? Why or why not? Describe your own personal experience where a teacher's responsibilities limited the students' rights. How were you involved? Then describe a situation in which the students? rights might override a teacher's


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