UNIT 3 DISCUSSION BOARD.

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You will prepare and submit a term paper on UNIT 3 DISCUSSION BOARD. Your paper should be a minimum of 500 words in length. Unit 3: Discussion Board “Re: Investing is for the little Guy” Evolving technologies and innovative new models are laying a path for both traditionaland non-traditional financial service firms to realize attractive profit margins on investment services, regardless of income level or account size. As these new models drive down costs and enable access to financial tools and education, low-income consumers are emerging as a large and viable market. This introduces an innovative platform that banks can employ to offer a comprehensive set of investment and advisory services to their low-income customers, empowering them to affordably save and invest towards core financial goals such as a first home, business or retirement.

Many argue that doing investment on stock market exchange is a profitable business but only by organization that trade large volumes of securities such as banks, mutual funds, insurance companies, pension funds, college endowment funds, etc. can win. One must not finally close doors and make some consideration by taking risk-return evaluation. The relationship between risk and return is one of the essential concepts to understand when investing—and it is&nbsp.unique for every investor. While some investors may be willing to withstand a higher level of market volatility, others prefer a more conservative approach.&nbsp. What is crucial to understands is your risk profile and how&nbsp.it translates into a disciplined approach to investing.

Risk, generally equated with the potential of an investment to generate financial loss, is a point to consider when engaging investments. Return is the usual measure of performance. As investments that offer higher potential for total return generally carry a higher potential for risk, informed investors do not simply seek to maximize returns. Instead, they focus on risk-adjusted returns, that is, the potential&nbsp.returns that correspond to the level of risk with which they are comfortable.

Risk tolerance is highly individual, based on a mix of subjective traits and objective circumstances. Your personal risk tolerance can be influenced by current world events, your own investment experiences—even your inherited views on saving and investing.

To help you make suitable investment decisions, it is important that you work with a financial advisor who understands your ability to tolerate risk as well as the factors that affect your decisions. A financial plan is a great starting point. Your financial advisor can work with you to create a ample plan that addresses your long-term goals, while keeping in mind your short-range needs.

Individual investors are much better equipped to handle illiquidity than their professional counterparts do. For one thing, individual investors move around smaller amounts of money. For another, they need not worry about short-term performance measurements. They may sit on stocks.

Almost no professional investor would dispute the fact that, over the long term, small, illiquid stocks tend to produce higher returns than big, liquid stocks. Investors

should focus their attention on small stocks.

The individual investor, with a long-term focus and without the constraints of a big professional money manager, should always be willing to dig around and explore the small-cap arena to take advantage of possible discounts.

List of References

Tan, B. How to Measure Risk. Buck Investor. Retrieved July 23, 2006

from http://www.buckinvestor.com/basics/define_risk.shtml

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Information Systems Case Study Identify a small information system problem (or o

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Information Systems Case Study
Identify a small information system problem (or opportunity) in an organisation you
are familiar with OR that is described in a written case study, and carry out the
following tasks:
1. Using appropriate modelling techniques, specify the scope of the problem, and
provide an analysis of the current reality and any requirements for a solution.
2. Using appropriate modelling techniques, design and specify a prototype database
information system solution.
3. Develop and document the prototype.
4. Outline a set of realistic implementation plans for the new information system.
Discuss issues (organizational, human, technical, contextual) that might affect the
successful implementation of the system.
Task 1: Identification and Analysis [30%]
• Brief introduction including a brief background to the case study (a short
overview of the organisation including your relationship to the organisation, and
the rationale and objectives for the information system).
• Project Identification and Analysis: provide a definition of the
problem/opportunity. Use a CATWOE checklist and Root Definition to identify
the stakeholders, the problem, the rationale and any issues or constraints. A Rich
Picture may also help to express the boundaries of the system, the soft issues at
play and the information flow at present. Use a DFD to capture the present
situation and identify the problem areas. Include an analysis of the User Groups.
• Project Assessment: provide some assessment of the feasibility and risk of the
project, using at least one suitable method from the literature.
• Suggest a suitable approach to develop the system (ie. What type of methodology
would be appropriate, given the system size and complexity and the organisational
context?).
Task 2: Design [20%]
• Design 1: provide a conceptual process model for the new information system and
designs of its information requirements, supported by relevant modelling tools and
diagrams. Include data and information flow design, process/task design, input
and output design, and data entity design.
• Design 2: provide a suggested technical solution and design including database
table design, some discussion of choice of hardware and software.
Task 3: Development [20%]
• Prototype Development: design and develop a prototype of the database aspect
of the system using MS Access. (NB: You are not required to implement a fully
working information system.) Include as appendices in your assignment any
outputs from the database detailing data table definitions, query/report definitions,
and so on. Also include details of sample data used and testing carried out (with
outputs).
• Prototype Documentation: discuss the purpose of the prototype (what kind of
evaluation/testing it addresses) and any resulting design changes made. Provide a
brief functional overview of the developed prototype database system and a brief
user manual on how to use the system.
Task 4: Implementation Issues [30%]
• Implementation: include plans for obtaining the chosen hardware and software;
for training; for installation of the new information system; and for monitoring
and evaluation of the new information system. To be realistic, the plans must
include some kind of time-scale and details of who is responsible.
• Challenges: discuss the human, organisational, technical and contextual issues
and challenges that may affect the implementation of the system, and suggestions
on how to address these. Include details of whether/how user participation may be accommodated
The instruction videos are divided into five parts as attached files and the useful handouts and reference style are also been attached.
Comments from Customer
Discipline: information system

Discuss investment management: matual funds, hedge funds, and other funds

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Hi, I am looking for someone to write an article on investment management: matual funds, hedge funds, and other funds Paper must be at least 500 words. Please, no plagiarized work!

Investment Management: Mutual Funds, Hedge Funds, and Other Funds Contents Time weighted returns (TWR) 3 Importance of Time Weighted Returns to the Investors4References5Time weighted returns (TWR)Time weighted returns measures the compound rate of growth in a portfolio. This method is useful since it eliminates the distorting effects which are created due to inflow of new money. The true TWR of an asset requires as asset to be revalue at the point of each cash flow. The returns are then compounded together to form the TWR for the whole period.

In effect a weighted average of sub period internal rates of return between cash flows is generated. But this method has a drawback of having to capture all the data at the point of each cash flow and in particular the need for the asset revaluation causes significant problems. It is this method that is used for mutual fund performance which is needed to calculate daily unit prices. However for most performance measurement systems the asset revaluation was not easily available. Hence it has long been accepted to calculate as estimated TWR by combining sub period Money Weighted returns (MWR).

The basic minimum period used for this period is one month. Basically one month TWR equates to the one month MWR and the quarterly TWR forms the combination of three monthly MWRs (Bain, 2000, p. 59). The Method of compounding sub-returns to create longer period returns is often referred to as chain linking. The formula for calculating TWR isIn the formula (1+ Ri / 100) form the return and is known as multiplicative form. This method combines any number of returns for any time period. But it is normal to make one further adjustment when the time period is more than one year.

It is known as annualized return and is calculated as shown below. Importance of Time Weighted Returns to the InvestorsTime weighted returns helps the investors in determining the rates of return of a portfolio independent of when the capital is withdrawn or added from the available investment fund. The Time Weighted Returns are more commonly related to find mangers instead of private investors. This is because the fund manager posses limited control when they receive funds from investors or in case investors wanted to withdraw their funds from the portfolio.

In actual scenario, investors often contribute additional cash or withdraw cash as per their wish. But under TWR, it is assumed that a single investment is made the beginning of the period and it was allowed to grow with positive returns and decline with negative returns until the end of the measurement period. Calculating time-weighted investment returns eliminates the effects of any client withdrawals or additions which are beyond the control of investment managers. Thus the result arrived at gives an unbiased and accurate measurement of investment performance which is the same with or without any periodic withdrawals or additions.

Advancement in accounting systems and computer technology has made it easy to access more accurate data. Nowadays the calculation of a true TWR by revaluing the portfolio after each cash flow and computing the resulting returns is already dome in mutual funds and is becoming a common place which is advantageous to the investors (Anson, Chambers, Black and Kazemi, 2012, p. 159). ReferencesAnson, M.J.P., Chambers, D.R., Black, K.H. and Kazemi, H. 2012. CAIA Level I: An Introduction to Core Topics in Alternative Investments.

New Jersey: John Wiley & SonsBain, W.G. 2000. Investment Performance Measurement.

Discussion on A doll’s house research.

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Provide a 8 pages analysis while answering the following question: A doll’s house research. Prepare this assignment according to the guidelines found in the APA Style Guide. An abstract is required. The roles of women in the family and society are clearly reflected in the play which even today, are obviously evident. The treatment of women, the common conceptions of their roles and how they are supposed to act in accordance to norms. are well criticized by Ibsen. The writer successfully reflects how Victorian society always placed women unequal with men and unemotional by defining their roles in the family and society. This interesting characterization of women will be criticized even more deeply in this paper, looking at the main characters of the play and focusing mainly on the theme on feminism by showing how Nora is treated by her father and her husband.

Feminism concerns itself with the quest of women being equal with the leading gender. It exposes the anxieties and worries of women in circumstances which men often find as trifles and suggests that women are as capable as men are in many ways than simple household chores. ‘A Doll’s House’ is a typical example of a drama which exposes the dehumanization of female characters who take beyond normal steps than the social set-up. It is common knowledge that women have long been perceived to be the person who must be in charge of household chores and the raising of children while men should do the “difficult” tasks such as bringing food on the table. Raising kids and doing household chores, crocheting and sewing have always been considered as easy, light and feminine jobs. Nevertheless, behind this circumstance are more important things that matter most to women and that is what they often fight for instead. Nora’s dialogue “I am first and foremost a human being just as much as one as you are” (Ibsen), is a powerful statement reflecting the woes of women. Oftentimes, due to their perceived roles at home, women are rather considered inferiors who should follow their husbands’ demands and please them.