Answer the following questions individually


Chapter 1 of the text (1-13) you will look at calculating a monthly payment for a loan. A simpler problem is to compute the amount a loan would cost you in one month.

Using information from an internet source, determine the current interest rate a credit card or loan. Suppose you borrow $1,000 (or spend $1,000) on a credit card. How much will you owe in one month? 6 months if you pay nothing for 6 months?

Compute the 6 month cost in two ways:

  • Make 6 monthly computations. Enter these as formulas in a spreadsheet. (The goal here is really getting you to use spreadsheets and formulas for computations.)
  • Use the formula, A= 1000*(1 + r)^(N) where N = the number of periods (6) and r = the periodic interest rate = APR/12, where APR is the annual percentage rate.

Here are a couple of options to research loans that do not require personal information. Top10PersonalLoans, Credit Karma.

A Microsoft Excel spreadsheet is required for this DQ.


Roll two dice and add the numbers. Roll the dice 40 times and record your results. Find the eight descriptive statistics in the Chapter 1 for this data set.

A Microsoft Excel spreadsheet is required for this DQ.

Go to…, choose a country, and find the following rates: Birth, Death, and Net Immigration for the most current year. Use the rates and the current population to find the number of each category expected for that year – use ratio tables and be sure to attach them to your answer.

A Microsoft Excel spreadsheet is required for this DQ.


Go to…, choose a country, and find the following rates: Birth, Death, and Net Immigration for the most current year. Use the rates and the current population to find the number of each category expected for that year – use ratio tables and be sure to attach them to your answer.

A Microsoft Excel spreadsheet is required for this DQ.


According to the National Center for Health Statistics, the mean height of an American male is 69.3 inches and the mean height of an American female is 63.8 inches. The standard deviation for both genders is 2.7 inches.

Assuming that heights among a single gender are normally distributed. Find the z-score for your height in inches using the mean of your own gender and then find the percentile at which you fall among people of your own gender using the percentile table from problem 25 of the Module 2 Homework.

A Microsoft Excel spreadsheet is required for this DQ.


Choose one country that you might like to visit. Select a duration for your trip between two and six weeks, and then choose a number of participants between 5 and 10 people. Suppose one goal of your group is to speak to every adult citizen in the country. How many citizens must each missionary need to talk to per day, per hour, and per second to speak to every adult citizen in that country? Is that goal reasonable?

A Microsoft Excel spreadsheet is required for this DQ.


According to the National Center for Health Statistics, the mean height of an American male is 69.3 inches and the mean height of an American female is 63.8 inches. The standard deviation for both genders is 2.7 inches.

  • According to Chebyshev’s Theorem 75% of the data for your gender lies between what two heights?
  • If height is assumed to be normal, what percentage of the data lies between those same two heights?

Look in the Guided Worksheets on page 49 for more information.

A Microsoft Excel spreadsheet is required for this DQ.


What is percent? Write your height in inches. Suppose it increases by 15%, what would your new height be? Now suppose your increased height decreases by 15% what is your new height?

A Microsoft Excel spreadsheet is required for this DQ.


Many students take online courses because they are more convenient for their schedules. What are some of the tradeoffs for taking an online course in a subject such as math? What tools are you using to overcome these challenges?


Select one of the options below and create a linear equation to represent the monthly bill. When will the plans cost the same? Explain when each plan is a better option.

Option 1: Plan A $39.99 for 200 min and $1.25 for each min after. Plan B $29.99 for 200 min and $1.50 for each min after.

Option 2: Plan A $25.75 plus $.75 per min. Plan B $20.99 plus $1.00 per min

Option 3: Plan A $39.99 plus $1.25 per min. Plan B $25.99 plus $1.75 per min

Option 4: Plan A $45.99 for 400 min and $.50 for each min after. Plan B $49.99 for 400 min and $.40 for each min after


In Chapter 1 of the text we looked at calculating a monthly payment for a loan. A related formula is to calculate the amount accruing when regular payments are made into an interest bearing account – often called the Savings Plan formula.

(A is the accrued amount after t years of making regular payments, PMT, into an account at interest rate, r%, compounded ntimes each year.)

A(t) = PMT((1 + r/N)Nt – 1)/(r/N)

= PMT*((1 + r/N)^(N*t) – 1)/(r/N)

The second version is essentially in the form used in Excel

Suppose you want to buy a car and have decided that you can save $100 a month. Using information from an internet source, determine the current interest rate on savings accounts and use the information to answer the following:

  • How much money will you have saved in two year’s time?
  • How much will be interest?
  • Why wouldn’t a linear model work here?

Here is one option to research accounts that do not require personal information: NerdWallet

A Microsoft Excel spreadsheet is required for this DQ.


Use the digits of your birthday as the amount of your initial investment (i.e., 6/25 is $625), calculate the value of this investment after 10 years at 3.5% APR for interest compounded yearly, quarterly, monthly, and daily. What do you notice?

A Microsoft Excel spreadsheet is required for this DQ.


Using the average inflation rates from:… use the geometric mean to find the average percent change in inflation for the past 5 years.


What are the four major categories of securities? How are they evaluated?


What are your favorite and least favorite experiences in this class so far? When responding, please refrain from using names and sharing comments that are inappropriate for the discussion forum.

Week 5 LAW 204 Legal Terms Assignment

Instructions: Format each of your Answers as follows:

MANDATORY: Use the following outline for your EACH of your numbered answers:

These are “Definition” Questions.

Format each of your Answers as follows:

  1. Definition (quote from the Textbook, with page number)
  2. Explanation in your own words
  3. Example (either your own or one that is in the Text)
  4. Find a website that supports and further explains your answer (not one that I have included in our Course; include the website in your answer)

The Questions

Define EACH of the following:

  1. Offer
  2. Acceptance
  3. Consideration
  4. Forebearance to sue

Fredrick Douglass Significant Contribution to American History Paper

Independent Research Paper: Biography

Assignment: Choose an individual who interests you and who you feel made a significant contribution to this period of American history. Research this individual using a variety of resources. Write a research paper (minimum 1,000 words).

Goals: Students will

Use multiple resources to improve understanding

Conduct in depth research

Ask their own questions and seek answers

Interpret and analyze primary sources

Some ideas for topics:

John Smith

John Rolfe

Cecilius Calvert

John Winthrop

Roger Williams

Anne Hutchinson

William Penn

George Whitefield

Olaudah Equiano

Patrick Henry

Benjamin Franklin

Samuel Adams

John Adams

Abigail Adams

Thomas Paine

James Madison

Alexander Hamilton

Harriet Beecher Stowe

Ralph Waldo Emerson


Henry David Thoreau

Andrew Jackson

Frederick Douglass

Susan B. Anthony

John Brown

Clara Barton

Jefferson Davis

Elizabeth Cady Stanton

Eli Whitney

William Lloyd Garrison

Thaddeus Stevens

Any U.S. president from this period except Washington, Lincoln & Jefferson

1. Choose an individual who has made a significant contribution to American history during the period covered by this course. Research your chosen individual. (See list for suggestions).

2. Use multiple sources in your research. Minimum requirement for paper is four sources.

Must include: 2 primary sources (print or web)

1 print source (other than text book). This must be a secondary source. This can be a book or a published journal paper.

3. Write a research paper (Minimum 1,000 words) in correct MLA format. See for information on how to write a paper in correct MLA format.

4. Your paper must be divided into four sections. Each section must have a heading.

1. Introduction: An introduction containing a thesis statement. Thesis statement must be in bold.

2. Historical Context: An explanation of the historical context of your subject’s actions. What is the background for their actions? What period in American history do they relate to? What is going on at the time in America that explains or motivates their actions?

3. Significant Contributions: An explanation of the significant contributions of your subject. What were their major contributions? What did they achieve? Why are they in the history books?

4. Research questions. Ask and answer 2 or 3 analytical questions about your subject. These should not be factual questions. As you research, think of questions you have that you can include in this section, and research the answers.

5. Paper must include in text citations and a works cited page (MLA format). Clearly identify print and web sources. Divide works cited into two sections:

a. Primary Sources

b. Secondary Sources

6. Include a word count. Paper must be submitted on canvas. Late papers will receive a 10% deduction. There will be a 100% deduction for plagiarizing. Paper must be complete when turned in.

Managing Business Finance

Week 3 – Assignment: Create a Quarterly Financial Plan and Budget for a Retail Warehouse Operation



Budgeting is a critical operational component of a manager’s duties. The implication of proper budgeting is that it allows companies to effectively plan for the management of resources within the context of product and goods delivery, while not losing sight of the need for cash flow. This concept will be reviewed again later in this course; in the meantime, cash flow is critically important to the health of a business. Being able to budget within the constraints of estimated and actual cash flow allows companies to spend no more than needed in operational functions for purchasing, producing, and delivering goods and services.

In this assignment, you will act as the warehouse manager for Tandy Leather Factory. You have been asked to present a quarterly budget and financial plan to the president of the company. To do this, you will need to examine last year’s financial statements, last quarter’s earnings, and this quarter’s estimated sales. You will use market analysis from Yahoo! Finance and the annual earnings report from last year. You will create a presentation of the budget using Microsoft PowerPoint. Your presentation should cover the cost of managing the inventory, shipping, warehouse machine maintenance (forklifts, pallet jacks, pallet wrapping machines, computers, handheld inventory devices, etc.), personnel costs for 75 employees, two office clerks, and two managers. Your budget will be based on an 8-hour work day, 5 days a week. You must include the cost for a 1-day shutdown of the warehouse for a quarterly inventory count.

Length: 10-15 slides, include 100-150 words for each slide in the notes section.

References: Please cite at least four sources. This may include three of the listed sources and at least one self-researched source.

Your presentation should demonstrate thoughtful consideration of the ideas and concepts presented in the course and provide new thoughts and insights relating directly to this topic. Your response should reflect scholarly writing and current APA standards. Be sure to adhere to Northcentral University’s Academic Integrity Policy

Wall Street Journal Redesigning for Todays Platforms Case Study Response Essay

In < 700 words, write a response essay that addresses the following questions/issues:

● How has the Wall Street Journal been a technology pioneer among its peers? Name and describe 2-3 ways in which the WSJ has been an innovator.

● What are some challenges faced by the Wall Street Journal? In other words, why don’t the issues that come up in this case lend themselves to simple, straightforward solutions?

● As a reader of online news, what are your thoughts about some of the features and limitations mentioned in the case? Is the Wall Street Journal generally getting it right, or should they take another approach? If you are not a reader of online news, that’s fine — you can talk about your general opinions regarding the issues raised here in the case.

No citations are needed, either. Most of your time and energy should be devoted to the third section. I am looking to see case write-ups that demonstrate effort and originality

and kindly check the attachment below.

it’s up to u

I am gonna write an paper about the marketing plan to export a self-heating hot pot( a kind of Chinese food) from China to American LA. This paper will includes parts: 1). information on the cultural makeup of the country, 2). an economic analysis of the country, 3). The Marketing Plan. Please help me write the first two parts(1). information on the cultural makeup of the country, 2). an economic analysis of the country, ), I will write the last part (marketing plan) by myself. I will also upload the detail instruction later.

Objective Social Structures Paper

Berger and Luckmann state that we are born into an ‘objective social structure’ and that we have only a limited ability to subjectively appropriate and interpret it for ourselves. Discuss how the categories of race, gender, and class predate any one individual, and how we are bound to identify ourselves in relation to them. To what extent can an individual redefine themselves in relation to these categories, and what are the possible social sanctions they may face for doing so?

Try to make your answer around 500 words, and cite any pertinent sources from the course.

Privacy Protection in Digital Space Erosion of Digital Privacy Article Summary

You are to read the articel below and are required to write a 500 word or MORE essay. Present references.

Areas to be addressed are-

1. Provide a brief summary of this article.

2. What are the issues pertaining to this subject?

3. Who are the stakeholders?

4. What are your opinions of the author’s position.

5. Can more be done to protect an individual’s privacy or is there too much already being done?

6. Does an independent institution of the media have a conflict of interest with being objective and gathering data for a multitude of purposes.

7. Present strategies and positions of at least 3 of their major news competitors from either the print or web-based sectors.

How The Times Thinks About Privacy

We’re examining our policies and practices around data, too.

By A. G. Sulzberger

Mr. Sulzberger is the publisher of The New York Times.

Over the past few years, The New York Times has reported aggressively on the erosion of digital privacy, bringing information to light about the exploitation of personal data that Facebook amassed on its users, about companies buying and selling children’s data, and about phone apps secretly tracking users’ every movement. That reporting helped spur global debate about how society should protect privacy in digital spaces.

Yet all of this journalism was paid for, in part, by The Times’s engaging in the type of collecting, using and sharing of reader data that we sometimes report on. As with a politician railing against high drug prices while accepting campaign donations from big pharma, a news organization cannot talk about privacy on the internet without skeptical readers immediately, and rightly, examining its own practices for signs of hypocrisy. So, as we kick off The Privacy Project, I wanted to share a bit about how The Times itself approaches reader data and privacy.

Like virtually every business on the internet, we collect, use and sharedata about readers. We make money by using that data to sell advertisements and subscriptions, often working with other companies like Google and Facebook, which allows us to sustain a 1,600-person news operation that reports from more than 150 countries every year. This data also helps us improve The Times’s website and apps by providing readers interactive stories, developing new products and features, and recommending relevant articles. (Our privacy policy offers more detail about our data practices.)

Though we know we must participate in this messy and rapidly changing ecosystem — one with plenty of bad actors — we are also working to ensure that our own data practices live up to our values. The business leadership of The Times has taken steps over the past year to increase privacy protections. These efforts have focused on cutting back on data collection and sharing, strengthening security and increasing transparencyClose X. We significantly reduced the amount and type of data shared with social media companies. We put in place stronger controls to limit data shared with third parties through advertisements. And we will continue to test additional steps and collaborate with others to push for industrywide changes.

If you’re reading this essay on an internet browser, it offers a useful example of what tracking looks like at a practical level. Before you had time to read a single word, a number of different companies had already placed a “cookieClose X” or other tracking mechanism on your browser to study your internet use. The Times hosts these trackers for three purposes: to learn about how people use our website and apps so that we can improve their experience; to reach readers we hope will subscribe; and to sell targeted advertising.

Nearly every site on the internet employs these trackers. I asked a colleague on our data team to see how many trackers we could detect on articles on a range of major news websites about a single topic, the election of Chicago’s new mayor. Because the number of trackers can vary significantly based on a host of factors — including where you are, time of day, whether you’re a subscriber and how far down youscroll into an article — he used different browsers to examine each website at least five times using the anti-tracking tool Ghostery.

The averaged results show how ubiquitous this practice is: The Financial Times had 19 trackers, The New York Times had 24, The Wall Street Journal had 53, The Guardian had 54, The Washington Posthad 58, Fox News had 63, BuzzFeed had 67, HuffPost had 77, CNN had 83, Vox had 95, and USA Today had 100.

The Times, like many of these organizations, maintains clear internal guidelines about how such data is collected and used. But this control is often more limited than it seems because in many cases, the news organizations that host the trackers don’t know what happens with that information once it is transferred to third parties. Those companies include major platforms like Google and Facebook, smaller companies you’ve never heard of that act as analytics providers and advertising intermediaries, and the individual companies that place individual advertisements. Readers may understandably wonder: What data do these companies have? To whom might they sell it? How might those buyers exploit it?

I ask myself those questions, too, as a publisher and as a person who uses the internet. As a journalist, I deeply believe that society benefits from the type of free-flowing information that overly broad privacy regulations could unintentionally impede. Our reporting often relies on leaks from whistle-blowers, personal communications of government officials obtained through records requests and computer-driven analysis of huge sets of data. But I’m also a person who values his own privacy — I have virtually no presence on social media — and I share the anxiety and mixed feelings that many have about the systematic collection, warehousing and sharing of personal data.

It’s clear that the rapid increase in data collection has resulted in many worthy contributions: creating a more interconnected world, saving users untold amounts of time and money, driving business and innovation and enabling important advances, from identifying public health threats to foiling terrorist attacks. But it’s also increasingly clear those benefits come with costs and trade-offs that society has not really reckoned with. People have little transparency into what is being gathered, where it’s being shared and how it’s being used — to follow their movements, to charge them more for health insurance or to manipulate them with political messages — and even less agency to do anything about it.

Countless companies are wrestling with these trade-offs, many of them doing the best they can within a digital ecosystem they can’t hope to unilaterally reform. The internet doesn’t have to be this way. But change needs to be driven at a societal level — by politicians, leaders of major technology companies and the public at large.

While we’d welcome such change, we’re not waiting for it. The Times is committed to continuing to take steps to increase transparency and protections. And our journalists will do their part to ensure that the public and policymakers are fully informed by covering these issues aggressively, fairly and accurately. Over the coming months, ThePrivacy Project will feature reporters investigating how digital privacy is being compromised, Op-Ed editors bringing in outside voices to help foster debate and contextualize trade-offs, and Opinion writers calling for solutions. All of us at The Times will be reading closely as well, using their findings to help inform the continuing evolution of our own policies and practices.

ASHFORD Week 1 Ethical And Professional Issues In Psychology Testing


I am in dire need of a tutor to provide a 16-20 slide powerpoint presentation on the above topic. I need someone whom is familiar with ethics and how to do a proper presentation. This instructor is very particular with detail, so you must read the instructions carefully.

I will give more information to the chosen tutor along with information the tutor will need to complete the assignment. Below is the instructions.

BUS125 Basics of The Retail Business Aspect and Regulation Perspective Paper

1. Make sure to have at least 5 Pages.

2. Make sure the line spacing to be 1.5.

3. Make sure to do both, Part 1 and Part 2 s the teacher asked.

4. Make sure to Have quotes and to sit your work.

5. Make sur to answer all question carefully.

Please read the file that I attached carefully cause it has all information that you need

Thank you.