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Assignment 2: Affirmative Action

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Affirmative Action is a controversial topic in American society. People of all races, genders, and classes are divided on where they stand on Affirmative Action. However, the media has oversimplified Affirmative Action and many do not truly understand the policy and what it means for schools and employers. For this assignment, you will examine Executive Order 10925 and determine where you stand on this topic.
Review Executive Order 10925. A copy can be found at: http://www.thecre.com/fedlaw/legal6/eo10925.htm.
Then, write an organized short response (3 paragraphs) where you explain:
1. What is Affirmative Action as a social policy?
2. What were the goals of Affirmative Action? Has it been successful?
3. What are the basic arguments for Affirmative Action and what are those against it? Which side do you find the most convincing and why?

Persuasive messages

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Write a 350- to 700-word persuasive e-mail in a Microsoft® Word document to a manager or coworker requesting a change to the workplace. You may select from one of the following possible topics:
• Workplace modification or resource
• Change in direction on a project
• Requesting a promotion
• Recommendations for reductions in workplace waste or money-saving opportunities
• Requesting to hire a new worker

Political thought-Written

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Module 6 written political thought
Identify and describe a current issue (this could be a controversy or just an issue of importance) in American Government. Explain in 1-2 pages how one of the modern philosophers we’ve studied would respond to that issue.

Power Point

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Prepare a 10- to 12-slide Microsoft® PowerPoint® presentation with speaker’s notes using the same organization you selected in Week 2, and include the following:
• Apply the five key elements of design thinking to analyze the organization’s effectiveness in design thinking and innovation.
• Evaluate where the organization excels in design thinking.
• Detail where the organization needs improvement.
• Make specific recommendations that the organization can undertake to improve design thinking and innovation.


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Discuss the following question and include references from the book: Implementing Organizational Change: Theory and Practice by Spector, B. 2013 and outside credible resources to support your answer:
How does a business leader recognize if an intended change is not a good idea? Have you been involved in a change initiative that was doomed from the beginning? Have you been involved in one that was disrupted during the change process by some external environmental disturbance? Have you been involved in one that simply did not produce the intended results?

Business paper

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With more than $2 trillion in total assets, Citigroup is one of the largest and most global banks in the world. It has more than 200 million customers in more than 100 countries and offers a vast array of financial services. WhileCitigroup has been a highly profitable and successful bank, in 2008 massive losses on securities related to home loans and other asset-backed securities caused negative profits and damage to its capital that threatened the bank’s solvency. The U.S. government injected more than $40 billion of new capital in an effort to prevent the bank’s failure. The government also provided guarantees on more than $300 billion of risky loans made by Citicorp.
Questions to answer:
1. What are some arguments in favor of continuing government support of Citigroup? Discuss who would be hurt by the bank’s failure. Is the failure of Citigroup different from that of other firms? Does the government have people to manage such a global finance enterprise?
2. What are the counterarguments in favor of letting the bank fail? Discuss the concepts of free markets and capitalism that create competition and allow unsuccessful firms to fail. Does bailing out large banks cause them to take excessive risks on the theory that they are “too big to fail”?

Small Business and Health Insurance Spencer, C.S.

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John asked his wife, Liza, if they could afford to hire Robert, the best applicant they had found for the boat mechanic job they had open. They both liked him very much, and his references were impeccable, but there was a problem with hiring him that neither of them wanted to admit.
Business was good for John and Liza, and they were happy to have the resources and a customer base to allow them to grow. John started his boat repair business six years ago when he and Liza had moved from their previous home in Chestertown, Maryland to Wilmington, North Carolina. Together they had been part of a family-run marina, but had struck out on their own when they wanted to create a more independent life for themselves. Liza managed the books and ran the office, while John negotiated with customers and repaired the yachts. They had already hired three other mechanics, and all of them were more than busy since the recession had resulted in more people keeping and repairing their old boats rather than upgrading. The office was so busy that Liza had just hired a young woman to help with the paperwork as well.
John was proud of the fact that he was able to provide health insurance for his employees. It was expensive, but the men on his team were young and healthy, and so far, he had been able to afford the premiums. He was shocked when he received his health insurance rates for the new year, however. The premiums had risen 25% in just one year! When he asked for a breakdown to explain the rise in premium costs, he discovered that because one of the mechanics had turned 30 he was in a new risk group, and Mary, the new office worker, was in a high-risk group because she was 25 and could potentially become pregnant. Finally, two of the mechanics were smokers. All of these factors contributed to the increased premiums.
John definitely wanted to hire Robert, who was well known in the Wilmington area for being a top-notch mechanic. Robert was having a hard time finding a job, however, because everyone in the relatively small boarding community knew his wife was ill and required expensive medical care. John is troubled because he knows that by hiring Robert, his health insurance costs will rise yet again. Robert is a great mechanic, but is he good enough to justify the added expense?
John and Liza have been discussing their options. They could continue to absorb the costs of the health insurance premiums and do nothing. They could encourage the men to quit smoking and provide incentives for them to quit. They could ask the smokers to pay a larger share of their health insurance costs. Finally, John and Liza could contribute a fixed amount to everyone’s premium and allow each individual worker to absorb the additional cost of their coverage. However, this last option may encourage some of the workers to drop their health insurance coverage altogether, which would be the last thing that John and Liza would want for them.
Address the following:
1. 1. What are the issues in this case?
2. 2. Which of the options that John and Liza are discussing would work best for the company?
3. 3. Should Mary be charged more than the young mechanics because she is a woman?
4. 4. Should all of the workers absorb the group’s increasing costs equally?
5. 5. Should smokers be encouraged to quit with incentives, or be punished for smoking by increased premiums?
6. 6. Should Robert not be hired because of his wife’s illness?
7. 7. Why is it harder for a small business to provide health insurance for its workers than a larger business?
8. 8. What impact, if any, will the passage of the Affordable Care Act have on John, Liza, and other small business owners? Provide a rationale for your responses.

Unit IV Case Study: Mexicana Wire Works

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Read the Case Study on page 300 of the textbook on “Mexicana Wire Works” (Shown Below). Thoroughly answer the three associated Discussion Questions using appropriate citation and clearly delineated tables and graphs when necessary. The Discussion Questions are provided on page 301.

Mexicana Wire Works
Ron Garcia felt good about his first week as a management trainee at Mexicana Wire Winding, Inc. He had not yet developed any technical knowledge about the manufacturing process, but he had toured the entire facily, located in the suburbs of Mexico City, and had met many people in various areas of the operation.
Mexicana, a subsidiary of Westover Wire Works, a Texas firm, is a medium-sized producer of wire windings used in making electrical transformers. Carlos Alverez, the production control manager, described the windings to Garcia as being of standardized design. Garcia’s tour of the plant, laid out by process type, followed the manufacturing sequence for the windings: drawing, extrusion, winding, inspection and packaging. After inspection, good product is packaged and sent to finished product storage; defective product is stored separately until it can be reworked.
On March 8, Vivian Espania, Mexicana’s general manager, stopped by Garcia’s office and asked him to attend a staff meeting at 1:00 P.M.
“Let’s get started with the business at hand,” Vivian said, opening the meeting. “You all have met Ron Garcia, our new management trainee. Ron studied operations management in his MBA program in Southern California, so I think he is competent to help us with a problem we have been discussing for a long time without resolution. I’m sure that each of you on my staff will give Ron your full cooperation. ”Vivian turned to Jose Arroyo, production control manager. “Jose, why don’t you describe the problem we are facing?”
“Well,” Jose said, “business is very good right now. We are booking more orders than we can fill. We will have some new equipment on line within the next several months, which will take care of our capacity problems, but that won’t help us in April. I have located some retired employees who used to work in the drawing department, and I am planning to bring them in as temporary employees in April to increase capacity there. Because we are planning to refinance some of our long-term debt, Vivian wants our profits to look as good as possible in April. I’m having a hard time figuring out which orders to run and which to back order so that I can make the bottom line look as good as possible. Can you help me with this?”
Garcia was surprised and apprehensive to receive such an important high-profile assignment so early in his career. Recovering quickly, he said, “Give me your data and let me work with it for a day or two.”
1. What recommendations should Ron Garcia make, with what justification? Provide a detailed analysis with charges, graphs, and computer printouts included.
2. Discuss the need for temporary workers in the drawing department.
3. Discuss the plant layou

AIU BUSN310 Unit 4 Assignment

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Antitrust laws were essentially created to stop businesses that got too large from blocking competition and abusing their power. Mergers and monopolies can limit the choices offered to consumers because smaller businesses are not usually able to compete. Although free and open competition ensures lower prices and new and better products, it has the potential to significantly limit market diversity.
Look at the 2 examples below of how mergers and acquisitions have affected the way in which companies do business.
Read each of the 2 examples below. Prepare a APA formatted research paper that responds to the aligned questions. Specifically, your paper must:
Identify the two firms with similar problems from different countries
Conduct a comparative analysis of the firms
Analyze political, social, ethical and legal differences and their impact on management decision making
Provide substantive conclusion and recommendations
Submitting your assignment in APA format means, at a minimum, you will need the following:
TITLE PAGE. Remember the Running head: AND TITLE IN ALL CAPITALS
ABSTRACT. A summary of your paper…not an introduction. Begin writing in third person voice.
BODY. The body of your paper begins on the page following the title page and abstract page and must be double-spaced (be careful not to triple- or quadruple-space between paragraphs). The type face should be 12-pt. Times Roman or 12-pt. Courier in regular black type. Do not use color, bold type, or italics except as required for APA level headings and references. The deliverable length of the body of your paper for this assignment is 4-5 pages. In-body academic citations to support your decisions and analysis are required. A variety of academic sources is encouraged.
REFERENCE PAGE. References that align with your in-body academic sources are listed on the final page of your paper. The references must be in APA format using appropriate spacing, hang indention, italics, and upper and lower case usage as appropriate for the type of resource used. Remember, the Reference Page is not a bibliography but a further listing of the abbreviated in-body citations used in the paper. Every referenced item must have a corresponding in-body citation.
Example 1
Federal antitrust enforcers are investigating whether a multinational pharmaceutical company has attempted to minimize the impact of generic competition to one of its most profitable prescription drugs. This anti-depressant drug is the company’s best seller, with sales last year of $2.11 billion, representing a 22% increase from the year before.
The Federal Trade Commission (FTC) is conducting an investigation to determine whether the company has engaged in activities to prevent generic alternatives to the prescription drug from entering the market. Specifically, the FTC is challenging a practice among brand-name and generic-drug manufacturers to agree to delay the introduction of the lower priced generic drugs to the market.
Answer the following questions:
Why would the drug maker want to stymie generic competition? Explain.
What types of legal barriers to market entry exist?
What are the possible ethical dilemmas present in this example?
Example 2
The boards of 2 major telecommunications companies recently agreed to a $16 billion-dollar merger that would create the world’s largest telecommunications company in the world. Although some agree that the synergy between these companies could be dynamic, others feel consumers could ultimately pay the price for the merger depending on which company becomes dominant in the various service areas.
Answer the following questions:
Why do you think consumer advocates have expressed concern over such merger possibilities?
Other than pricing, what are some pitfalls that consumers might have to deal with when 2 major companies merge?
What are the possible ethical dilemmas present in this example?

Week 8 Assignment

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Talbot Enterprises recently reported an EBITDA of $8 million and net income of $2.4 million. It had $2.0 million of interest expense, and its corporate tax rate was 40%. What was its charge for depreciation and amortization?
Complete the balance sheet and sales information in the table that follows for J. White Industries using the following financial data:
Total assets turnover: 1.5
Gross profit margin on sales: (Sales–Cost of goods sold)/Sales = 25%
Total liabilities-to-assets ratio: 40%
Quick ratio: 0.80
Days sales outstanding (based on 365-day year): 36.5 days
Inventory turnover ratio: 3.75
Partial Income Statement
Sales _______
Cost of goods sold _______
Balance Sheet
Cash _______ Accounts payable ______
Accounts receivable _______ Long-term debt 50,000
Inventories _______ Common stock ______
Fixed assets _______ Retained earnings 100,000
Total assets $400,000 Total liabilities and equity
======== =======
Refer to Problem 12-1. What would be the additional funds needed if the company’s yearend 2013 assets had been $7 million? Assume that all other numbers, including sales, are the same as in Problem 12-1 and that the company is operating at full capacity. Why is this AFN different from the one you found in Problem 12-1? Is the company’s“capital intensity”ratio the same or different?
13-4) What are some actions an entrenched management might take that would harm shareholders?
13-5) How is it possible for an employee stock option to be valuable even if the firm’s stock price fails to meet shareholders’ expectations?

Brigham, Eugene F.; Ehrhardt, Michael C.. Financial Management: Theory & Practice (Finance Titles in the Brigham Family) (Page 543). Cengage Textbook. Kindle Edition.
CHAPTER 4 – PROBLEMS 4-8, 4-13, 4-21
4-8 You want to buy a car, and a local bank will lend you $20,000. The loan would be fully amortized over 5 years (60 months), and the nominal interest rate would be 12%, with interest paid monthly. What is the monthly loan payment? What is the loan’s EFF%?
4-13 Find the present value of the following ordinary annuities (see the Notes to Problem 4-12).
a. $400 per year for 10 years at 10%
b. $200 per year for 5 years at 5%
c. $400 per year for 5 years at 0%
d. Now rework parts a, b, and c assuming that payments are made at the beginning of each year; that is, they are annuities due.
4-21 Sales for Hanebury Corporation’s just-ended year were $12 million. Sales were $6 million
5 years earlier.
a. At what rate did sales grow?
b. Suppose someone calculated the sales growth for Hanebury in part a as follows: “Sales doubled in 5 years. This represents a growth of 100% in 5 years; dividing 100% by 5 results in an estimated growth rate of 20% per year.” Explain what is wrong with this calculation.
CHAPTER 5 – PROBLEMS 5-9, 5-13
5-9The Garraty Company has two bond issues outstanding. Both bonds pay $100 annual interest plus $1,000 at maturity. Bond L has a maturity of 15 years, and Bond S has a maturity of 1 year.
a. What will be the value of each of these bonds when the going rate of interest is (1) 5%, (2) 8%, and (3) 12%? Assume that there is only one more interest payment to be made on Bond S.
b. Why does the longer-term (15-year) bond fluctuate more when interest rates change than does the shorter-term bond (1 year)?
5-13 You just purchased a bond that matures in 5 years. The bond has a face value of $1,000 and has an 8% annual coupon. The bond has a current yield of 8.21%. What is the bond’s yield to maturity?

CHAPTER 6 – PROBLEM 6-6, 6-8
6-6 Calculate the stock’s expected return and standard deviation.
The market and Stock J have the following probability distributions:
Probability r M rJ
0.3 15% 20%
0.4 9 5
0.3 18 12
a. Calculate the expected rates of return for the market and Stock J.
b. Calculate the standard deviations for the market and Stock J.

6-8 As an equity analyst you are concerned with what will happen to the required return to
Universal Toddler Industries’s stock as market conditions change. Suppose rRF = 5%, rM = 12%, and bUTI = 1.4.
a. Under current conditions, what is r UTI, the required rate of return on UTI stock?
b. Now suppose rRF (1) increases to 6% or (2) decreases to 4%. The slope of the SML remains constant. How would this affect rM and rUTI?
c. Now assume rRF remains at 5% but rM (1) increases to 14% or (2) falls to 11%. The slope of the SML does not remain constant. How would these changes affect rUTI?
Kendra Enterprises has never paid a dividend. Free cash flow is projected to be $80,000 and $100,000 for the next 2 years, respectively; after the second year, FCF is expected to grow at a constant rate of 8%. The company’s weighted average cost of capital is 12%.
Assume that you have been given the following information on Purcell Industries:
Current stock price = $15 Strike price of option = $15
Time to maturity of option = 6 months Risk-free rate = 6%
Variance of stock return = 0.12
d1= 0.24495 N(d1) = 0.59675
d2= 0.00000 N(d2) = 0.50000
According to the Black-Scholes option pricing model, what is the option’s value?
CHAPTER 9 – PROBLEMS 9-7, 9-11
9-7 Shi Importers’s balance sheet shows $300 million in debt, $50 million in preferred stock, and $250 million in total common equity. Shi’s tax rate is 40%, r D = 6%, r ps = 5.8%, and rs = 12%.
If Shi has a target capital structure of 30% debt, 5% preferred stock, and 65% common stock, what is its WACC?
9-11 Radon Homes’s current EPS is $6.50. It was $4.42 5years ago. The company pays out 40%
of its earnings as dividends, and the stock sells for $36.
a. Calculate the historical growth rate in earnings. (Hint: This is a 5-year growth period.)
b. Calculate the next expected dividend per share, D1. (Hint: D0 = 0.4($6.50) = $2.60.) Assume that the past growth rate will continue.
c. What is Radon’s cost of equity, rs?


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