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Finance

ANSWER QUESTION IN THIS SECTION IN THE FOLLOWING FORMART

QUESTION 1A

ANSWER 1A

REFERENCES

QUESTION 1B

ANSWER 1B.

THERE ARE 2 QUESTION IN EACH

Question 1

"Investment Function" Please respond to the following:

· Suggest which factors have the most significant impact on a financial-service institution’s decision regarding the different maturities of securities it should hold. Support your position.

· Determine why it is important that banks and other institutions choose to devote a significant portion of their assets to investment securities. Provide a unique example to support your answer.

Question 2

"Liquidity" Please respond to the following:

· Suggest how a manager can estimate a financial institution’s need for liquidity. Determine why it is important for a manager to be able to do this.

· Determine the best way that the discipline of the marketplace can be used as a guide for making liquidity management decisions. Support your position with an example.

Question 3

"Deposit Services" Please respond to the following:

· From the e-Activity, determine two ways that a financial institution can benefit from knowing the Federal Reserve Discount Rate. Predict two ways that this knowledge can improve a financial institution’s business profits.

· Determine whether or not you believe that the composition of deposits change in recent years has benefited the banking institutions and / or the consumers. Support your answers.

Question 4

"Non-Deposit Liabilities" Please respond to the following:

· Suggest what you believe to be the most significant advantages and risks that the pursuit of liability management brings to a borrowing institution. Propose two ways to maximize the advantages and two ways to minimize the risks involved.

· Determine the factors that the manager of a financial institution must weigh when choosing among the various non-deposit sources of funding available today. Support your position by explaining why these factors are important.

eActivity

· Imagine that you are interested in borrowing from the discount window of the Federal Reserve Bank (FRB) in your area. Go to the Federal Reserve Discount Window’s Website, located at http://www.frbdiscountwindow.org/currentdiscountrates.cfm?hdrID=20&dtlID= , and find out the current interest rates at the FRB in your area. If a city near your area is not listed, select the city that is the closest to your location. Be prepared to discuss.

Question 5

"Investments" Please respond to the following:

· Examine the services that are provided by investment banks. Determine the importance of these services to their clients. Support your answer with an example.

· Determine the risks that investment products pose for the institutions that sell them. Propose two ways to minimize these risks.

Question 6

"Managing Capital" Please respond to the following:

· Determine the role that capital plays in the management and viability of a financial firm. Explain why the role that capital plays is important.

· Examine the relationship between capital and risk exposure among financial service providers. Determine why the relationship between capital and risk exposure is important.

PART 2

Assignment 3: Select a Bank

Use the Internet to research either TD Bank or Wells Fargo.

Write a four to five (4-5) page paper in which you:

· Determine what your selected organization would need to take into account when managing interest rate risk and the related impact it may have to business performance.

2. Examine how the bank’s risk management plan uses derivatives. If they don’t currently use derivatives, then assess whether or not this can be a valuable tool for them. Provide support for your rationale.

3. Examine how the bank’s risk management plan uses other hedging tools. If the bank does not currently use any of them, then assess whether or not these can be valuable tools for it. Provide support for your rationale.

· Propose a major investment for the organization you selected. Support your recommendation with net present value, pertinent financial ratios, and break-even analysis.

· Propose ways that time value analysis would help your selected organization make sound management decisions. Use specific examples to illustrate your response.

6. Assess the current liquidity position of the bank, suggesting improvements needed or ways the bank can leverage its position. Provide support for your rationale.

7. Use at least three (3) quality academic resources in this assignment. Note: Wikipedia and other Websites do not qualify as academic resources.

Your assignment must follow these formatting requirements:

· Be typed, double spaced, using Times New Roman font (size 12), with one-inch margins on all sides; citations and references must follow APA or school-specific format. Check with your professor for any additional instructions.

· Include a cover page containing the title of the assignment, the student’s name, the professor’s name, the course title, and the date. The cover page and the reference page are not included in the required assignment page length.

The specific course learning outcomes associated with this assignment are:

· Apply the tools for managing and hedging against risks.

· Examine the process of managing investment portfolios and liquidity positions for financial firms.

· Use technology and information resources to research issues in commercial bank management and operations.

· Write clearly and concisely about commercial bank management and operations using proper writing mechanics.

Grading for this assignment will be based on answer quality, logic / organization of the paper, and language and writing skills, using the following rubric.

Points: 280	Assignment 3: Select a Bank
Criteria	Unacceptable Below 60% F	Meets Minimum Expectations 60-69% D	Fair 70-79% C	Proficient 80-89% B	Exemplary 90-100% A
1. Determine what your selected organization would need to take into account when managing interest rate risk and the related impact it may have to business performance. Weight: 10%	Did not submit or incompletely determined what your selected organization would need to take into account when managing interest rate risk and the related impact it may have to business performance.	Insufficiently determined what your selected organization would need to take into account when managing interest rate risk and the related impact it may have to business performance.	Partially determined what your selected organization would need to take into account when managing interest rate risk and the related impact it may have to business performance.	Satisfactorily determined what your selected organization would need to take into account when managing interest rate risk and the related impact it may have to business performance.	Thoroughly determined what your selected organization would need to take into account when managing interest rate risk and the related impact it may have to business performance.
2. Examine how the bank’s risk management plan uses derivatives. If they don’t currently use derivatives, then assess whether or not this can be a valuable tool for them. Provide support for your rationale. Weight: 15%	Did not submit or incompletely examined how the bank’s risk management plan uses derivatives. Did not submit or incompletely assessed whether or not this can be a valuable tool for them if they don’t currently use derivatives. Did not submit or incompletely provided support for your rationale.	Insufficiently examined how the bank’s risk management plan uses derivatives. Insufficiently assessed whether or not this can be a valuable tool for them if they don’t currently use derivatives. Insufficiently provided support for your rationale.	Partially examined how the bank’s risk management plan uses derivatives. Partially assessed whether or not this can be a valuable tool for them if they don’t currently use derivatives. Partially provided support for your rationale.	Satisfactorily examined how the bank’s risk management plan uses derivatives. Satisfactorily assessed whether or not this can be a valuable tool for them if they don’t currently use derivatives. Satisfactorily provided support for your rationale.	Thoroughly examined how the bank’s risk management plan uses derivatives. Thoroughly assessed whether or not this can be a valuable tool for them if they don’t currently use derivatives. Thoroughly provided support for your rationale.
3. Examine how the bank’s risk management plan uses other hedging tools. If the bank does not currently use any of them, then assess whether or not these can be valuable tools for it. Provide support for your rationale. Weight: 15%	Did not submit or incompletely examined how the bank’s risk management plan uses other hedging tools. Did not submit or incompletely assessed whether or not these can be valuable tools for it if the bank does not currently use any of them. Did not submit or incompletely provided support for your rationale.	Insufficiently examined how the bank’s risk management plan uses other hedging tools. Insufficiently assessed whether or not these can be valuable tools for it if the bank does not currently use any of them. Insufficiently provided support for your rationale.	Partially examined how the bank’s risk management plan uses other hedging tools. Partially assessed whether or not these can be valuable tools for it if the bank does not currently use any of them. Partially provided support for your rationale.	Satisfactorily examined how the bank’s risk management plan uses other hedging tools. Satisfactorily assessed whether or not these can be valuable tools for it if the bank does not currently use any of them. Satisfactorily provided support for your rationale.	Thoroughly examined how the bank’s risk management plan uses other hedging tools. Thoroughly assessed whether or not these can be valuable tools for it if the bank does not currently use any of them. Thoroughly provided support for your rationale.
4. Propose a major investment for the organization you selected. Support your recommendation with net present value, pertinent financial ratios, and break-even analysis. Weight: 15%	Did not submit or incompletely proposed a major investment for the organization you selected. Did not submit or incompletely supported your recommendation with net present value, pertinent financial ratios, and break-even analysis.	Insufficiently proposed a major investment for the organization you selected. Insufficiently supported your recommendation with net present value, pertinent financial ratios, and break-even analysis.	Partially proposed a major investment for the organization you selected. Partially supported your recommendation with net present value, pertinent financial ratios, and break-even analysis.	Satisfactorily proposed a major investment for the organization you selected. Satisfactorily supported your recommendation with net present value, pertinent financial ratios, and break-even analysis.	Thoroughly proposed a major investment for the organization you selected. Thoroughly supported your recommendation with net present value, pertinent financial ratios, and break-even analysis.
5. Propose ways that time value analysis would help your selected organization make sound management decisions. Use specific examples to illustrate your response. Weight: 15%	Did not submit or incompletely proposed ways that time value analysis would help your selected organization make sound management decisions. Did not submit or incompletely used specific examples to illustrate your response.	Insufficiently proposed ways that time value analysis would help your selected organization make sound management decisions. Insufficiently used specific examples to illustrate your response.	Partially proposed ways that time value analysis would help your selected organization make sound management decisions. Partially used specific examples to illustrate your response.	Satisfactorily proposed ways that time value analysis would help your selected organization make sound management decisions. Satisfactorily used specific examples to illustrate your response.	Thoroughly proposed ways that time value analysis would help your selected organization make sound management decisions. Thoroughly used specific examples to illustrate your response.
6. Assess the current liquidity position of the bank, suggesting improvements needed or ways the bank can leverage its position. Provide support for your rationale. Weight: 15%	Did not submit or incompletely assessed the current liquidity position of the bank, suggesting improvements needed or ways the bank can leverage its position. Did not submit or incompletely provided support for your rationale.	Insufficiently assessed the current liquidity position of the bank, suggesting improvements needed or ways the bank can leverage its position. Insufficiently provided support for your rationale.	Partially assessed the current liquidity position of the bank, suggesting improvements needed or ways the bank can leverage its position. Partially provided support for your rationale.	Satisfactorily assessed the current liquidity position of the bank, suggesting improvements needed or ways the bank can leverage its position. Satisfactorily provided support for your rationale.	Thoroughly assessed the current liquidity position of the bank, suggesting improvements needed or ways the bank can leverage its position. Thoroughly provided support for your rationale.
7. 3 references Weight: 5%	No references provided	Does not meet the required number of references; all references poor quality choices.	Does not meet the required number of references; some references poor quality choices.	Meets number of required references; all references high quality choices.	Exceeds number of required references; all references high quality choices.
8. Clarity, writing mechanics, and formatting requirements Weight: 10%	More than 8 errors present	7-8 errors present	5-6 errors present	3-4 errors present	0-2 errors present

BUSINESS MANAGEMENT

ANSWER QUESTION IN THIS SECTION IN THE FOLLOWING FORMART

QUESTION 1A

ANSWER 1A

REFERENCES

QUESTION 1B

ANSWER 1B.

THERE ARE 2 QUESTION IN EACH

Question 1

Demonstrating Social Responsibility. Please respond to the following:

· Imagine you are the owner of a new business in your city. You expect to operate your business using the highest standards of social responsibility. Elaborate about and justify the ways you plan to fulfill this social responsibility.

· Two years after you begin your business, a reporter discovers that your business has not lived up to the promises you made initially to demonstrate concern for the environment. Explain how you would use community relations to minimize the damage to your reputation.

Question 2

Government and Public Relations. Please respond to the following:

· Based on the second e-Activity, describe the government action you chose that received wide publicity at the national, state, or local level in which government officials used public relations. Briefly explain the events, and delineate how public relations measures were used to influence public opinion about the events.

· The United States plays a major role in world affairs. Based on the second e-Activity, explain in detail how the federal government used publicity to generate public support for a policy it was about to embark on. Analyze whether and why this publicity was either effective or ineffective.

eActivity 2

· Research on the Internet an example of how the U.S. government used publicity to generate support for a new policy. Be prepared to discuss.

QUESTION 3

Winning Back Customers. Please respond to the following:

· Imagine you owned a retail store that recently implemented a new policy that many customers did not like. Although you thought the new policy would improve profits, it is actually driving customers away. Propose some ways you might use public relations to win back those customers.

· A consumer activist group has taken aim at the policies of your business. You feel that the criticisms are not valid. Suggest how you might use public relations to convince your customers that the claims of the activist group are not correct.

QUESTION 4

Using PR Internationally. Based on the second e-Activity, answer the following questions:

· Firms that do business internationally must often use public relations in multiple countries simultaneously. Choose two foreign countries and one issue a business might need to address in both countries. Explain in detail at least three factors that will cause your public relations plans in these countries to vary.

· A manufacturer in Asia or Europe is planning to introduce a new product for sale in the United States. Identify and describe the three most important things the manufacturer needs to learn about the U.S. in order to develop an effective public relations plan for the product introduction.

QUESTION 5

Writing Public Announcements. Please respond to the following:

· Analyze the effective press release you selected and describe the features that make it successful.

· Analyze the ineffective press release you selected and describe how you would change it to make it successful by making at least two specific recommendations for improvement.

QUESTION 6

Writing a Pitch Letter. Please respond to the following:

· You are directing the public relations campaign for a business that you patronize regularly. In an effort to get a newspaper reporter interested in doing a story about your business, you plan to write a pitch letter to entice the interest of the reporter. Choose one type of pitch that you think would be most effective for this business. Explain in detail why you think this would be the most effective pitch type.

· Choose any other type of pitch letter (see “The Pitch Letter” in Chapter 16) and explain why it would NOT work for the campaign you are managing.

PART 2

This is the second part of the one you did for me last time( susan kormen)

Assignment 2: Developing a Public Relations Plan, Part 2

This paper will be a revised and expanded version of the first paper. Based on your instructor’s feedback, you will first revise the first paper. Write 5-6 new pages in which you:

1. Describe the mix of media you would use to implement your public relations campaign and explain in detail your objectives for each media form.

2. Explain in detail how you can take advantage of community relations to generate positive publicity for your organization.

3. Describe the government relations tactics you would use as part of your public relations campaign, and explain in detail how these tactics will help you achieve your objectives.

4. Draft a news release that you will use in your public relations campaign.

5. Explain in detail how the content, style, and essentials of your news release will help you persuade the public to your point of view.

Your assignment must:

· Be typed, double-spaced, using Times New Roman font (size 12), with one-inch margins on all sides; citations and references must follow APA or school-specific format. Check with your professor for any additional instructions.

· Include a cover page containing the tile of the assignment, the student’s name, the professor’s name, the course title, and the date. The cover page and the reference page are not included in the required assignment page length.

The specific course learning outcomes associated with this assignment are:

· Analyze a communication process, identify dysfunctional aspects of the process, and develop action plans to improve the communications

· Formulate and plan the implementation of public relations strategies to accomplish stated public relations objectives relative to various publics (media, employees, communities, governments, consumers, and international entities).

· Develop a public relations research plan to analyze audiences, assess alternatives, and develop needed information to support decisions

· Use technology and information resources to research issues in public relations.

· Write clearly and concisely about public relations issues using proper writing mechanics.

Grade rubric

Grading for this assignment will be based on answer quality, logic/organization of the paper, and language and writing skills, using the following rubric.

Points: 330	Assignment 2: Developing a Public Relations Plan, Part 2
Criteria	Unacceptable Below 60% F	Meets Minimum Expectations 60-69% D	Fair 70-79% C	Proficient 80-89% B	Exemplary 90-100% A
1. Describe the mix of media you would use to implement your public relations campaign and explain in detail your objectives for each media form. Weight: 15%	Did not submit or incompletely described the mix of media you would use to implement your public relations campaign and explained in detail your objectives for each media.	Insufficiently described the mix of media you would use to implement your public relations campaign and explained in detail your objectives for each media.	Partially described the mix of media you would use to implement your public relations campaign and explained in detail your objectives for each media.	Satisfactorily described the mix of media you would use to implement your public relations campaign and explained in detail your objectives for each media.	Thoroughly described the mix of media you would use to implement your public relations campaign and explained in detail your objectives for each media.
2. Explain in detail how you can take advantage of community relations to generate positive publicity for your organization. Weight: 15%	Did not submit or incompletely explained in detail how you can take advantage of community relations to generate positive publicity for your organization.	Insufficiently explained in detail how you can take advantage of community relations to generate positive publicity for your organization.	Partially explained in detail how you can take advantage of community relations to generate positive publicity for your organization.	Satisfactorily explained in detail how you can take advantage of community relations to generate positive publicity for your organization.	Thoroughly explained in detail how you can take advantage of community relations to generate positive publicity for your organization.
3. Describe the government relations tactics you would use as part of your public relations campaign, and explain in detail how these tactics will help you achieve your objectives. Weight: 20%	Did not submit or incompletely described the government relations tactics you would use as part of your public relations campaign, and explained in detail how these tactics will help you achieve your objectives.	Insufficiently described the government relations tactics you would use as part of your public relations campaign, and explained in detail how these tactics will help you achieve your objectives.	Partially described the government relations tactics you would use as part of your public relations campaign, and explained in detail how these tactics will help you achieve your objectives.	Satisfactorily described the government relations tactics you would use as part of your public relations campaign, and explained in detail how these tactics will help you achieve your objectives.	Thoroughly described the government relations tactics you would use as part of your public relations campaign, and explained in detail how these tactics will help you achieve your objectives.
4. Draft a news release that you will use in your public relations campaign. Weight: 10%	Did not submit or incompletely drafted a news release that you will use in your public relations campaign.	Insufficiently drafted a news release that you will use in your public relations campaign.	Partially drafted a news release that you will use in your public relations campaign.	Satisfactorily drafted a news release that you will use in your public relations campaign.	Thoroughly drafted a news release that you will use in your public relations campaign.
5. Explain in detail how the content, style, and essentials of your news release will help you persuade the public to your point of view. Weight: 15%	Did not submit or incompletely explained in detail how the content, style, and essentials of your news release will help you persuade the public to your point of view.	Insufficiently explained in detail how the content, style, and essentials of your news release will help you persuade the public to your point of view.	Partially explained in detail how the content, style, and essentials of your news release will help you persuade the public to your point of view.	Satisfactorily explained in detail how the content, style, and essentials of your news release will help you persuade the public to your point of view.	Thoroughly explained in detail how the content, style, and essentials of your news release will help you persuade the public to your point of view.
6. Clarity and writing mechanics Weight: 10%	More than 8 errors present	7-8 errors present	5-6 errors present	3-4 errors present	0-2 errors present
7. Use faculty feedback from previous assignment (Part I) to improve this assignment (Part 2). Weight: 15%	Did not submit or incompletely used faculty feedback from previous assignment (Part I) to improve this assignment (Part 2).	Insufficiently used faculty feedback from previous assignment (Part I) to improve this assignment (Part 2).	Partially used faculty feedback from previous assignment (Part I) to improve this assignment (Part 2).	Satisfactorily used faculty feedback from previous assignment (Part I) to improve this assignment (Part 2).	Thoroughly used faculty feedback from previous assignment (Part I) to improve this assignment (Part 2).