Answer each question and explain in a conclusion paragraph of of 7-10 sentences how this course is related to a bankers career.

MICROECONOMICS

·1- Examine how various supply and demand scenarios affect the way prices and quantities are set by market interactions in perfectly competitive markets.

2-Examine changes in price and quantity caused when governments take actions to modify market outcomes.

3- Examine how changes in the cost of production affect pricing and production quantity decisions of a firm in a perfectly competitive market.

4-Examine how the behavior of a firm changes when it operates in monopolistic, oligopolistic, and monopolistically competitive market environments.

5- Examine how the concept of utility affects purchasing decisions by individuals and consumer surplus.

and

MACROECONOMICS

1-Examine how consumer spending, savings, investment spending, and other factors contribute to long-run economic growth.

2-Examine macroeconomic aggregate indicators, such as the GDP, inflation rate, unemployment rate, and their implications on the national economy.

3-Examine the roles of money, banking, and the Federal Reserve System, and how monetary policy is used to mitigate negative impacts on the national economy.

4-Examine how fiscal policy is used to mitigate negative impacts on the national economy.

5.Examine how exports, imports, the balance of payments, and capital flows impact individual national economics and global economics.

Ratio Analysis

OBJECTIVE

You are to assume you have been recently hired by The Company and have been assigned to a team that reports to the CEO of THE COMPANY (SELECTED BY INSTRUCTOR). The head of your team is the CFO who is concerned about THE COMPANY’s current financial performance and comparison against major competitors in the industry and the impact that may have on the firm’s stock price. The CFO would like your team to provide insights that will help them to project future financial performance. Specifically, the primary question to answer is: will THE COMPANY be financially viable over the next two to three years, and which steps should be done to improve its financial stability?

THE COMPANY that is to be analyzed for this project is to be a company selected by instructor.

Alternatively, you can request approval of another publicly traded company. This request must be submitted before the end of the first week of the course. The request must include

• identification of the company by ticker symbol and name
• a reasonable and appropriate explanation of why you want to examine the alternative company
• the source of the analyst’s report that will be used in the analysis (which must be submitted to me)
• acknowledgement by you that all of the specific elements of the assignment (see below) will be prepared by you and included in the final research project report

SUGGESTED WEBSITES

www.morningstar.com – To find the information for your company you need to type the stock symbol in the Quotes window to get into the company’s page.

www.marketwatch.com  -To find the information for your company you need to type the stock symbol in the Search window to get into the company’s page.

www.Finviz.com – To find the information for your company you need click on Screener on the top of the screen, type the stock symbol in the Ticker window to get into the company’s page., and click on the company in the list.

www.money.cnn.com  -To find the information for your company you need to type the stock symbol in the Search window to get into the company’s page.

www.finance.yahoo.com – To find the information for your company you need to type the stock symbol in the Search window to get into the company’s page.

www.nyse.com – Click on Data, then click on Stocks (under Quotes), and type the name of the company or the stock symbol in the window “Keyword or symbol” to get into the company’s page.

www.nasdaq.com – To find the information for your company you need to type the stock symbol in the Search window to get into the company’s page.

Company’s websites

YOUR SPECIFIC ASSIGNMENT

Using the information from the websites the students will develop evaluation of the financial performance for THE COMPANY (SELECTED BY INSTRUCTOR). (The evaluation portion will total 85% of the assignment grade)

-1—Introduction (3% of the project grade)- The paper should begin with a short introduction, explains the purpose of the paper, and provides an overview of the contents that follow (one short paragraph).

2— Trend analysis (20% of the project grade)

Analyze the financial trends over the last 5 years of

·       Sale Growth,

·       COGS Growth,

·       Gross Income Growth,

·       Interest Expense Growth,

·       Net Income Growth,

·       Cash & Short Term Investments Growth

·       Assets – Total – Growth.

You can find these ratios in the Internet or calculate them. If you use published ratios you must indicate that and cite their source.

These growth rates are available in www.marketwatch.com  -To find the information for your company you need to type the stock symbol in the Search window to get into the company’s page. Click on Financial > Income Statement (or Balance Sheet) > click on View Ratios.

To present your findings, you will create the table(s) and/or graphs. You can use the bar graphs provided by www.marketwatch.com or create your own ones.

Write about 1-2 pages of the analysis of the financial conditions, its stability, and trends. What important information does this analysis provide?

-3— Financial ratio analysis. (25% of the project grade)

In this part of the project you will complete ratio analysis of THE COMPANY. Please remember that you are the financial analyst of THE COMPANY and should prepare the report to be read by the chairman (CEO) of THE COMPANY. The ratio analysis should be completed from the point of view of THE COMPANY’s the management.

The chairman of THE COMPANY is especially concerned about the following groups of ratios:

·       Liquidity (current ratio, quick ratio)

·       Operating performance ratio (Days of Sales in Inventory, Days of Sales Outstanding, Days of Payables Outstanding), Receivables Turnover, Inventory Turnover, Fixed Assets Turnover, Total Assets Turnover)

·       Profitability ratios (Gross Profit Margin, Operating Profit Margin, Net Profit Margin)

·       Return on Investment ratios: (ROA, ROE)

These ratios are available on www.morningstar.com > Company’s page – under Financials and under Operating Performance

You can find financial ratios for the company for the last 1-5 years in the Internet or calculate them. If you use published ratios you must indicate that and cite their source.

a)  Present the ratios as the table(s) in your project. Create graphs for some ratios on your choice over three years to show trends.

b) Write 2 pages (or more) of analysis of the ratio results that you found. In your analysis you should answer the following questions:

·       How liquid is the company?

·       Is management generating a substantial profit on the company’s assets?

·       If the management of the company would like to improve the company’s financial performance, what should the management of THE COMPANY do?

-5- Evaluate Return on Equity for the company for the last three years using the DuPont analysis. (17% of the project grade).

You can find these ratios in the Internet or calculate them. If you use published ratios you must indicate that and cite their source.

a.     Find ROE, Net profit margin (listed as net margin), asset turnover, financial leverage for the last three years for your company. You also may use debt/equity ratio in your analysis. Present the ratios as the table(s) in your project.

b.     Find ROE, Net profit margin (listed as net margin), asset turnover, financial leverage for the last year for its major peer competitor. You also may use debt/equity ratio of peer competitor in your analysis. Present the ratios as the table(s) in your project.

c.      Has the company’s ROE changed over the last three years? What was the main factor that influenced this change?

d.     Compare the ratios of you company to the peer competitor. If the management of the company would like to improve their return on equity, what should the management of the company do?

Write about 1 page of analysis to answer the questions (c) and (d).

-6- Develop a specific recommendation, with supporting rationale, as to whether the assigned company’s recent trends and results in financial performance is of sufficient financial strength, will THE COMPANY be financially sustainable over the next two to three years, and which steps should be done to improve its financial stability? (about 1 page) (15% of the project grade).

-7- Reflection – the student should write a paragraph in their own words reflecting on specifically what they learned from the assignment and how they think they could apply what they learned in the workplace. (5% of the project grade)

PRESENTATION OF PAPER AND WRITING (15%) of the project grade):

-Organization, Format and Presentation of Paper including the Title page, Introduction, Body, and Summary. Each section of the paper must begin with sub-headings.  Please use the sub-headings included in the assignment. Please use double spaced, with one-inch margins, and use 12-point Times New Roman font. (4% of the project grade)

Use of Tables, Figures and Other Graphics to Summarize and Support Analysis Presented in the Paper. All tables and charts should have the numbering system, like “Table 1…”, the title, and foot/end note to reference the source of the information. (3% of the project grade)

Logical and Smooth Flowing Transitions and Relationships among Sections of the Written Report (3% of the project grade)

Research Sources and Significance of Research Information and Data, Use of APA Citation Methodology (5% of the project grade)

An annotated bibliography is a list of citations to books, articles, and documents. Each citation is followed by a brief (usually 150 words), descriptive, and evaluative paragraph called an annotation. The purpose of the annotation is to inform the reader of the relevance, accuracy, and quality of the sources cited. This assignment will improve your literacy research skills and give you a better understanding of the business area of interest.

1. Pick a specific business topic of interest.
2. Write a research question. The research question should be:
   • Interesting. Is the question worth finding an answer for? Is the answer potentially valuable to others?
   • Specific. Is the question narrow or too broad?
   • Feasible. Can the question be answered within a reasonable amount of time and with a limited budget?
   • Measurable. Will the research produce data that can be supported or contradicted?
3. Select ten sources.
   • Using the library database, search for journal articles and ebooks that cover your topic.
   • Read the abstracts to assess the relevance and value of each source.
4. Write the citations for each source in APA format.
5. Summarize the content of each source. Provide critical commentary that examines the source and its relationship to the topic. Answer the following questions in your annotation:
   • Does the source offer a good introduction to the issue?
   • Does the source effectively address the issue?
   • What limitations does the source have?
   • What are the special features of the source?

Respond in 100 words with in-text citations and references

1. Response to Courtney

elements of the language so they are able to break it down and teach in a way that students will understand without offending their culture or ethnicity. “Teachers play a critical role in supporting language development. Beyond teaching children to read and write in school, they need to help children learn and use aspects of language associated with the academic discourse of the various school subjects. They need to help them become more aware of how language functions in various modes of communication across the curriculum. They need to understand how language works well enough to select materials that will help expand their students’ linguistic horizons and to plan instructional activities that give students opportunities to use the new forms and modes of expression to which they are being exposed.” (Filmore, Snow, 2000) It is very important for teachers to strategize and support our students to ensure success and to always have that parent involvement because they can work on strategies at home as well as school.

Filmore, L. W., & Snow, C. (2000, August 23). What Teachers Need to Know About Language. Retrieved January 28, 2021, from http://www.elachieve.org/images/stories/eladocs/articles/Wong_Fillmore.pdf

2. Response to Gloria

Teaching ELL students will take patient and training to deliver instruction in a manner that is considerate of the new material students will be learning. The English language is different from what they have known and use the same approach they would use when teaching basic language skills to other students. Starting with reading material that has a connection to familiar subjects like families, places they have heard of while introducing a few new words and sounds. Beginning with words that have sounds that are like words the already know could help them transition to new words. Teachers should maintain a structured learning environment to allow students to focus. Using textural cues and illustrations with open questions for students to answer demonstrating what they are learning gives them an activity to share with classmates. Visuals are a great teaching tool for developing students they encourage creativity, and let students use their imagination which is something all children enjoy.

Students can experience some anxiety related to the changes in their home dynamic, new scenery, different foods and the need to fit in an unfamiliar place. These can contribute to barriers while learning and teachers should be prepared for behaviors related to those factors and mild re-direction can help ease some of those frustrations. A well-prepared lesson plan with activities and technology can help give ELL students interesting lessons that keep them engage and learning.

Deussen, T. et al (2019) What Teachers Should Know Instruction for English Language Learners Retrieved from https://educationnorthwest.org/sites/default/files/resources/what-teachers-should-know-about-instruction-for-ells.pdf

3. Response to Jared

Processed in two separate parts of the brain, language acquisition and language learning is a natural process that ELL students must be taught by teachers. The unconsciously learned language, which is learned through exposure is language acquisition. This process is done with good communication and does not need a systematic type of study. Language acquisition is the part of the language that is considered the communication aspect (Foppoli, n. d.). The instruction of language is the and the rules of language go together.

When students are learning a second language, this process is nearly the same as when they learned their native language. The goal of learning a new language is to have oral instruction, vocabulary, reading, and writing (Krashen, 1988). When using any grammar guidelines, this should be in the context of what text is used in learning the language. Language learning uses memorizing techniques, grammar guidelines, and writing sentences. Language learning will help these students with testing skills but does not work as well with developing communication skills.

Foppoli, J. (n.d.). Language Acquisition vs Language Learning. Retrieved from www.eslbase.com: https://www.eslbase.com/teaching/language-acquisition-vs-language-learning

Krashen, S. D. (1988). Second language acquisition and second language learning. UpperSaddle River, NJ: Prentice-Hall.

4. Response to Cecile

The ability to use language is an innate skill. “Language acquisition is an innate, natural, predictable process occurring in normally developing children” (Krashen & Terrell 1983). Language acquisition is a natural way of speaking. Language acquisition can occur through communication and social interaction or it through study, help of instructor or other assistive devices. Language learning involves the students consciously accumulating vocabulary and grammar knowledge in the classroom. These students most likely will not develop the same level of proficiency in the new language as those who acquire it. This is mainly due to the interference of their first language. However, some students are able to surpass the native speakers in reading and writing but not in speaking.

Example of language acquisition is if you were born in China to parents who spoke mandarin, you would naturally speak mandarin. This is applicable to the native language a child is taught. When a native tongue is learned there are no vocabulary rules to memorize or textbook to study.

An example of language learning is teaching ELL students English, there are a set of rules- vocabulary, grammar etc. that must be applied to develop the skill. Language learning and language acquisition are not opposites instead they complement each other.

References

Goodrich, J., Lonigan, C. & Farver, J. (2013). Do Early Literacy Skills in Children’s First Language Promote Development of Skills in Their Second Language? An Experimental Evaluation of Transfer. Journal of Educational Psychology. Retrieved from: https://eds-b-ebscohost-com.lopes.idm.oclc.org/eds/pdfviewer/pdfviewer?vid=1&sid=288c8ddc-e1a1-4938-9ba8-472d05f028c4%40pdc-v-sessmgr03