Using a Web browser and search engine, search the terms “CitiBank backup tapes lost”. You will find many results, Select one article and identify what that article considers a short-coming in Citibank’s planning. What part of the contingency planning process came up short (IR.BP, or CP)? How could the shortcoming have been prevented?
500 words with references
I need 8 100 word reply’s for a forum in a finance class. It looks like a lot but its only 800 words total. Reply 1 I believe it is recommended to get your finances in order, pay off your credit card debt and have a significant emergency fund savings before diving into investment opportunities to make sure that you can comfortably live on what income you have after investing. Having this financial security will make sure when something happens, such as your car breaks down or you have a water leak, you have the funds to be able to fix the issue and not have to worry about selling investments, cashing in dividends or selling stock. Credit cards provide an easy way to spend money people do not have, this money, even in small amounts, add up and can get people in huge financial trouble. Then they are not able to pay their bills and often have to use their investments to pay what they owe. When people are not spending money on credit card debt they have more available for investing in their future and less chance that they will have to cash out their investments early to pay off debt. Some investments are charged penalties if withdrawn early and these penalties can be very large. Long term investments are a great way to put your money to use collecting interest over a long period of time. These investments needs to be monitored on a regular basis and not just forgot about (Kapoor, Dlabay, & Hughes, 2012). Getting your finances in order, knowing your financial goals and making sure you are able to pay your necessities are all very important before beginning your investment journey. Kapoor, J.R., Dlabay, L.R., & Hughes, R.J. (2012). Personal Finance (10th ed.). New York: McGraw-Hill Irwin. Reply 2 It is imperative that you pay off credit card debt or any other debt before attempting to invest your money. By having debts and trying to invest at the same time, you take the risk of needing the money you invested back. By doing this you could face penalties that will charge you even more money. It is important to know the money you have and how to spend it the right way. I personally live by a term, “Let your money make money.” It is important to have an emergency fund because you never know what can happen. This should be a fund that is for things that happen without any notice. It is recommended that an individual have anywhere from three to nine months saved. It will depend based on how you live, but to have at least the minimum. This will ensure that if anything drastic happens that you will not have to bury yourself in debt. Everyone has their own reasons for spending on credit, but it should be closely monitored. It is not good to make a large amount of purchases because before you know it you will not be able to pay it back off immediately and then interest will be stacked on top of it. It is important to be able to pay off your credit at the end of each month. If one can have an emergency fund and clear all of their debts then they will be capable of investing and not having to pull their money back out in emergency situations. Resources: Kapoor, J.R., Dlabay, L.R., & Hughes, R.J. (2012). Personal Finance (10th ed.). New York: McGraw-HillIrwin. ISBN: 9780073530697 Reply 3 The Garner’s have a monthly income of $4,520 in which they pay their bills and provide for their child. They were able to save a small amount each month to take a summer vacation. They seem to be doing pretty well until a big expense, like the air conditioner, came up. I think the financial status of the Garners needs to be reviewed. They make adequate income to support their family; they are just using it the wrong way. The expenses I believe can be reduced to allow the Garners more money each month are gifts and donations, recreation and entertainment, family clothing allowance, food and natural gas and electricity. Comparing their expenses with one child with my expenses with six children I find many of their expenditures to be too much. If Joe and Mary want to retire in about 30 years, they will need to make some lifestyle changes and properly invest some of their money. There are many different investment options they can choose but they will need to determine which would be right for them. To begin, Joe and Mary should start cutting costs where they can and building up their savings. They should save three to nine months of expenses for an emergency fund for any more unexpected things that may come up (Kapoor, Dlabay, & Hughes, 2012). The Garner’s will then need to determine how much risk they are willing to take in their investments. Since they are starting to plan so late, a higher risk option may provide a higher rate of return, but they may also lose their investment completely. Going very safe with something such as government bonds will have a very low risk but also have a very slow growth on the amount of money they return. Since the Garner’s are just beginning to think about their investment future, mutual funds could be a great choice. Both Joe and Mary have jobs which could be providing a retirement fund in which they can contribute to in which their employers would match their contributions (Kapoor, Dlabay, & Hughes, 2012). Another option that Garners have is to purchase stock in a reputable company that can potentially offer them a high rate of return. Purchasing a preferred stock with dividends would give them a source of income from the dividends they receive each year. Kapoor, J.R., Dlabay, L.R., & Hughes, R.J. (2012). Personal Finance (10th ed.). New York: McGraw-Hill Irwin. Reply 4 The financial situation for the Garners is poor before and after the air conditioner broke down. The fact that they only have 220 dollars to invest at the end of each month is not good. Granted a lot of people do not even have that, but between the two of them they should be more responsible with the amount of money they are throwing around. There are several things that the Garner family can cut back on to increase their surplus each month. The first thing I would cut back is the family clothing allowance. It is currently set to 230 dollars a month and I know clothes are expensive, but get what is necessary and do not splurge. I would recommend cutting that back by 100 dollars. Recreation and entertainment is set at 700 dollars a month. Since they only have one child they should cut back on recreation and entertainment. It is important to enjoy life, but at what point are you splurging? I would cut this down to 400 dollars a month. Sometimes it is nice to get people gifts, but this should not be a monthly cost. I would recommend cutting gifts down from 350 to 150. Between only these three recommendations, the Garners could increase their surplus by 630 dollars extra a month. With roughly thirty years left before retirement, I would recommend that the Garners check with their employers about if they offer a 401k or any other retirement plan. If not or even if they do, I would recommend choosing an IRA, but more importantly a Roth. I recommend a Roth IRA because they will not have to pay taxes in the interest that is earned over the next thirty years.References:Kapoor, J.R., Dlabay, L.R., & Hughes, R.J. (2012). Personal Finance (10th ed.). New York: McGraw-HillIrwin. ISBN: 9780073530697Reply 5 Week 2 Discussion 2 The legal principle of indemnity states that an insurer will not pay more than the actual cost of the cost of the loss (Redja, 2011). Another way to say this is that an insured individual “should not profit from a loss” (Redja, 2011). This principle is included in insurance contracts to keep insured companies and individuals from intentionally damaging their property for the sole purpose of financial gain. It also helps reduce the probability of insurance fraud on the part of the insured (Redja, 2011). An example would be if a car, which is worth $10,000, would receive $2,000 in damage. The insurance company could only pay up to $2,000. “The principle of insurable interest states that the insured must be in a position to lose financially if a covered loss occurs” (Redja, 2011). In other words, for an insurance company to pay any money the damaging of the insured item must result in some form of financial loss to the individual. An example would be if a house is damaged. It would result in a financial loss to an individual and would, therefore, satisfy the principle of insurable interest. This principle is slightly related to the principle of indemnity. If an item is damaged but it does not result in a loss, the insurance company could not pay the owner because they would profit.Rejda, G. E. (2011). Principles of risk management and insurance (11th ed.). Boston, MA: Pearson Prentice Hall.Reply 6 The principle of indemnity essentially means that the insurance will not pay more than the value of an actual occurred loss (Rejda, 2011). This “is one of the most important principles in insurance” (Rejda, 2011). There are two reasons behind the principle of indemnity. The first is that it prevents people from making a profit from a loss and second it attempts to prevent dishonesty of the people being insured (Rejda, 2011). It tries to prevent dishonesty because the possibility of a profit coming from a loss is removed and therefore is no longer tempting the people to lie to increase a profit. A personal example is when my grandmother totaled her car (she did not get hurt), the car insurance only covered the amount of the car at the time of the crash. The insurance did not pay the amount that my grandmother paid when she bought the car years before the accident. This policy prevents people from wrecking a car that they have had for many years in order to make a profit from the insurance company, by getting the full amount even though they could not resale the car for that value. There are some exceptions to the principle of indemnity; including valued policy, valued policy laws, replacement cost insurance, and life insurance (Rejda, 2011). Aleatory, unilateral, conditional, personal and adhesion are all distinct legal characteristics of insurance contracts (Rejda, 2011). A contract of adhesion means that the entire contract is accepted (Rejda, 2011). All of the terms and conditions of the contract are accepted and the insured cannot insist on changes to the contract (Rejda, 2011). This is an all or nothing situation. If the insured wants the contract they have to accept it all or none. It is significant to acknowledge the effects on contracts because of adhesion. Insurance contracts must be very explicit because any ambiguities go against the insurer (Rejda, 2011). Rejda, George E. (2011) Principles of Risk Management and Insurance 11th edition. Boston, MA. Pearson Education Inc. Reply 7 The time value of money is used to determine how much an investment is worth today. In terms of risk management, time value of money is used in hedging and investments. If a company is uncertain that an investment will not devalue due to an unforeseen circumstance, it can invest against it to minimize or cancel out any losses sustained. For the investment aspect, the time value of money is used to find the current value of future distributes from a bond or dividends from a stock (Rejda, 2011). Risk managers consider time value of money when investing or trying to find alternative ways to minimize potential losses. The net present value of any investment is the amount the investment is currently worth after it is adjusted for the discount (interest) rate. Once that number is calculated, the cost of the investment is subtracted. If the number is positive, the investment will yield a benefit; if the number is negative, the investment will cost more than it is worth (Rejda, 2011). With this information available, it is then the responsibility of the organization’s owner to decide the course of action.Rejda, G. E. (2011). Principles of risk management and insurance (11th ed.). Boston, MA: Pearson Prentice Hall.Reply 8 The “time value of money” is the value of cash based on the possibility of earning interest at different periods of time (Rejda, 2011). The video Understanding the Time Value of Money demonstrated a great example of the time value of money. In the example the person was able to make additional money by investing the million dollars in a bank with a 5% interest rate (Investopedia, 2016). This concept affects the decision making of risk management because with every decision that includes cash flow the time value of money has to be also considered. The $100 dollars in cash could really be a different value based on time and investment, which can affect the potential risks. The net present value “is the sum of the present values of the future net cash flows minus the cost of the project” (Rejda, 2011). This is one of the methods that accounts for the time value of money also (Rejda, 2011). This shows the owners of an organization potential profit of project being implemented. Rejda, George E. (2011) Principles of Risk Management and Insurance 11th edition. Boston, MA. Pearson Education Inc.Investopedia. (2016). Understanding the Time Value of Money. Retrieved from http://www.investopedia.com/video/play/understanding-time-value-of-money/
The post finance forum repliesAnswers 1Bids 1Other questions 10 appeared first on homeworkhandlers.com.
Discussion 1Making a Difference; Biotech AcademyAt-risk children benefit from access to specific programs that support their success in a school environment. By providing opportunities that students can connect with, the probability of them staying in school and matriculating to a two- or four-year college or university will increase. Biotech Academy in San Jose, California is an interdisciplinary program that focuses on bioscience. The program and its faculty, however, provide supports for at-risk students that go far beyond academics. To prepare for this discussion, watch the nearly 10-minute video Biotech Academy: A catalyst for change. Note that this video can also inform your completion of the Week Four Assignment.Initial Post: Create an initial post that addresses the following:Share a minimum of three things you observed showing how teachers at Biotech Academy instigate and maintain student support and success. Be sure to consider what characteristics they have to have and what behaviors and practices they need to present to their students.Describe the impact collaboration between teachers, parents, and students has on student success as well as having a spirit of cooperation instead of competition between students.Discuss two to three observations you made that show relevancy between Biotech Academy instruction & supports and what students need in post-secondary education and employment. Be sure to address how having such relevancy for student learning impacts their ultimate success.Discuss how traditional school environments might learn from Biotech Academy and employ in their school culture so as to potentially increase graduation rates and matriculation to post-secondary education and employment for at-risk students.Discussion 2School District and School Building SupportsThere are many risk indicators impacting not only a student’s ability to succeed in a school environment, but also the ability for a school and/or district to make progress and meet the achievement expectations at state or federal levels. To prepare for this discussion, beyond reviewing the Week Four Instructor Guidance, you will investigate general at-risk groups and behaviors, as well as information pertaining to students with disabilities.Begin by investigating the National Center for School Engagement website to gain insight as to various risk indicators commonly observed in at-risk youth in school environments. This resource also provides strategies for re-engagement that support the building of student resilience including parental involvement, truancy, youth development philosophies & approaches, and reengagement supports or strategies. Next, access your state’s Department of Education website, specifically for their special education link (which may also be titled something similar to Exceptional Student Services). Read the mission statements; notice that your state’s website may have a far-reaching statement as well as specific missions for funding, programming, and resources. Investigate some of the programs and resources available from your state and review the methods the state uses to provide assistance to schools.Now, investigate a school district website in your local community or state. Look for information similar to what you observed in the National Center for School Engagement that describes supports for a variety of at-risk groups. In most cases, district-based websites include direct links to the individual schools located in the district. Therefore, you may find a special program or intervention model offered at a specific school that would help inform your response to this discussion. Additionally, look for information pertaining to special education. You may find this information under a link titled “Departments” or something similar. Read the mission of the school district. Look specifically for programs and approaches offered for students with disabilities.Initial Post: Create an initial post that addresses the following:Cite the website for the school district you evaluated.Describe at least one school- or district-level program, model, or approach showcased regarding parental involvement, truancy, reengagement supports or strategies, or youth development.Discuss how the school district’s special education mission statement either supports or differs from what was observed from the state’s special education mission.Share an example of a program or policy from the district or a particular school that supports what was stated in the state’s website and explain how the program or policy aligns with that of the state’s positions or policies.Describe your impressions of the types and levels of supports offered in the school district, sharing something that impressed or surprised you as well as anything you found to be lacking from the supports offered. AssignmentSchool-Based Efforts: A Plan to Support At-Risk YouthThis assignment is an opportunity for you to apply what you learned from this week’s discussions in a relevant way based on your own preferred area of focus. In this assignment, you will look through the lens of a particular professional role that you either have related experience in or intend to take in an anticipated professional practice. The roles to select from relate to one or more professions that are integral to assisting children and families at risk. Assuming the role of the professional you have identified, your task in this assignment is to prepare a professional presentation for a diverse group of professionals, such as school principals or district administrators, social service providers or community outreach providers, medical professionals, and other related service providers.Using the information gleaned from the two discussions this week and the National Center for School Engagement website, as well as the three articles listed under Required Resources as supporting research, you will prepare a professional presentation with the purpose of informing participants of facts pertaining to youth at risk as it relates to student academic success. Additionally, your goal is to not only bring awareness to the forefront regarding truancy, parental involvement, special education and more, but to show the relationship each group of professionals has to the subject of academic success for students at risk—the role they play in contributing to that success. Moreover, the presentation offers an opportunity for the various professionals to collaborate in an effort to problem-solve or devise potential solutions to any of the specific areas identified as being problematic. Your presentation will be included in the Week Six Final Project and should include enhancements based on the feedback gained from its evaluation during Week Four. Create your assignment using the content and written communication instructions below. Use the Grading Rubric to review your assignment before submission to ensure you have met the distinguished performance for each of the components described below. For additional assistance, review the Week Four Instructor Guidance page and, if needed, contact the instructor for further clarifications using the Ask Your Instructor discussion. Additionally, this assignment will be added to your website.Content Instructions Use the presentation software of your choice or consider one of the recommendations in the Recommended Resources for Week Four. Submit your presentation for evaluation to the Week Four Assignment location and upload it as an attachment or link to your Students at Risk page in your website. Introduction (1 points): Create an introduction that states the role you have assumed, the audience your presentation is for, and the purpose of the presentation. Youth At Risk (3 points): Present at least eight indicators (examples) of youth at risk, such as those shared by SchoolEngagement.org,LDonline.org, those listed as Recommended Resources, or others discussed during Weeks One thru Four of this course, citing the National Center for School Engagement website and at least one additional scholarly source. Students with learning disabilities must be included as one of the eight indicators.Effects and Implications (2 point): Present seven-to-eight behaviors associated with being at-risk and three potential short- and long-term implications of these behaviors on a student’s ability to achieve academic success. Cite the National Center for School Engagement website and at least one additional scholarly source.Solutions – Create a Framework (2 points): Present three points related to the school’s role in establishing youth development philosophies, such as approaches for creating a positive school climate that encouraging positive relationships between adults and youth and professional to professional. Cite the National Center for School Engagement website and at least one additional scholarly source.Solutions: Integrating a Framework (2 points): Present what schools can do specifically to integrate the framework with staff, community, and parental support/involvement. Include a successful program, model, strategy, or approach to serve as an example of a potential solution. Cite theNational Center for School Engagement website, the source of your example, and at least one additional scholarly source.Participant Activity (2 points): Construct an engaging activity that encourages the audience for the presentation to provide feedback regarding their own respective, potential role in supporting a school’s efforts to create and integrate a framework for students at risk, that encourages ideas for potential solutions, and states how participants will interact, collaborate, and share ideas to all in attendance.Slide Design (1 points): Seven-to-ten slides that use relevant graphics, sound, and/or animation that assist in presenting the overall main point. Slides have a consistent theme, format, and font that augment the readability of the presentation.Written Communication InstructionsSyntax and Mechanics (1 point): Display meticulous comprehension and organization of syntax and mechanics, such as spelling and grammar. Written work contains no errors and is very easy to understand.Source Requirement (1 points): Utilize at least two additional scholarly sources in addition to the National Center for School Engagement website and required articles. All sources on the references page need to be used and cited correctly within the body of the assignment.Required Resources Text· Rubin, A. (2012). Clinician’s guide to evidence-based practice: Programs and interventions for maltreated children and families at risk. Hoboken, NJ: Wiley and Sons.· Chapter 6: The Coping power program: Child welfare applications· Chapter 16: Using 1-2-3 magic in child welfareArticle· Anthony, E.K., Alter, C.F., & Jenson, J.M. (2009). Development of a risk and resilience-based out-of-school time program for children and youths. Social Work, 54 (1), 45-55. doi:10.1093/sw/54.1.45· This article is located in the Ashford library and supports the Week four Assignment. The authors discuss Out-of-school time (OST) programs that offer unique opportunities to provide educational supports to students and children at high risk. The application of risk and resilience indicators to the development and evaluation of an OST are described as an approach to service delivery.· Bernard, B., & ERIC Clearinghouse on Urban Education, N.Y. (1997). Turning it around for all youth: From risk to resilience. ERIC/CUE Digest, Number 126 .Retrieved from the ERIC database.· This article is located in the Ashford library and supports the Week Four Assignment. This digest briefly describes how educators and schools can foster resiliency in all youth. The starting point for building on students’ capacities is the belief by all the adults in their lives, particularly those in their schools, that every youth has innate resilience and the power to change and that teachers and schools have the power to transform lives.· Education World. (2011). School mission statements: Where is your school going? Retrieved from http://www.educationworld.com/a_admin/admin/admin229.shtml· This website offers a variety of resources for educators and school administrators including help with lesson plans, technology resources, and professional development. The page used to support a response for Week Four Discussion Two includes practical steps for and examples of school mission statements.· Morrison, G., & Cosden, M. (1997). Risk, resilience, and adjustment of individuals with learning disabilities. Learning Disability Quarterly, 20,43-60. Retrieved from http://www.ldonline.org/article/6174/· This article uses the concepts of risk and resiliency to frame an understanding of how having a learning disability affects nonacademic outcomes. Implications for the development of proactive interventions and areas for future research are discussed. Reference this article in support of the Week Four Assignment.· Multimedia· [Edutopia.] (October 1, 2003). Biotech academy: A catalyst for change [Video file]. Retrieved from http://www.edutopia.org/biotech-academy-school-career-video· This insightful video presented by Edutopia supports your response to Week Four Discussion One and Assignment. The faculty and students share the vision and mission of Biotech Academy as well as the challenges of supporting youth at risk. Success stories are shared as well as statistics pertaining to student success.Websites· National Center for School Engagement. (n.d.). Serving at-risk youth. Retrieved from http://schoolengagement.org/school-engagement-services/at-risk-youth· This website offers information regarding children and youth at risk in educational environments as well as practical approaches and resources for educators or those in related fields. This resource will inform your response to Week Four Discussion Two and Assignment.Recommended Resources Article· National Coalition for Youth. (2012, September 11). A shared vision for youth: Common outcomes and indicators. Retrieved from http://www.collab4youth.org/documents/NCYCommonOutcomes.pdf· This document presents an outcome framework by the National Collaboration for Youth Research Group designed to enhance organizations’ individual and collective ability to define, communicate about, and document the purpose of youth development organizations and to showcase how school, child care , afterschool programs and other community resources can positively impact youth development. This resource may support the Week Four Assignment.· Reiserer, R. (n.d.). Tips for developing professional quality PowerPoint slides.Retrieved from http://www.presentation-magic.com/powerpoint-tips.html· This website offers tips for crafting cutting edge presentations. This resource may support the Week Four Assignment.Websites· Center for School Change. (n.d.). Vision and mission. Retrieved from http://centerforschoolchange.org/publications/minnesota-charter-school-handbook/vision-and-mission/· This website offers guidance for constructing a school vision and mission statement and provides examples of each. This resource supports Week Four Discussion Two.· Emaze (http://www.emaze.com/lp/ppc/en-v3)· This digital resource provides a variety of templates for creating presentations and includes animation and 3D transition options as well as video and photo uploading. Consider this source for the Week Four Assignment. View the Emaze privacy policy.· GoogleSites.com (https://sites.google.com)· Google Slides is an easy way to create presentations and save your work automatically in Google Drive, providing easy access from any device. Rich animations, customized drawings, seamless transitions, and a variety of themes are available to create an original presentation that can be shared with others by adding email notifications inviting others to edit and/or view. Consider this source for the Week Four Assignment. View the Google Slides privacy policy.· Haiku Deck (https://www.haikudeck.com)· Haiku Deck makes it easy to follow the best practices recommended by experts for constructing professional and creative presentations. An eclectic collection of “Decks”, otherwise known as presentation templates is available to select from as well as the ability to create from a blank deck. Consider this source for the Week Four Assignment. View the Haiku Deck privacy policy.
The post EDU week 4 fullAnswers 1Bids 1Other questions 10 appeared first on homeworkhandlers.com.
In todays global markets, many companies source, produce, transport and sell products internationally. Firms seek to maximize potential sales while minimizing costs and production/distribution time. In this environment, explain the strategic importance of the operations and supply chain management function.
Be sure to address:
Your essay should be in APA format, 500-750 words and include at least 2 references.
We are experienced and have access to ample research materials to guarantee quality A+ papers. Our Professional Writers can handle all subjects and deliver your papers on time.
For any questions, feedback, or comments, we have an ethical customer support team that is always waiting on the line for your inquiries.
Send us an E-mail: support@homeworkhandlers.com or Call us: +1 (518)-934-6741
