Argumentative Research Introduction

What are you truly curious about?
Research starts with a genuine desire to investigate and to understand some problem or issue that intrigues you, that matters to you. This desire will pull you through the hard work research involves. But you can make the work easier if you treat it like a process, one that you divide into steps or phases. During the process, you may experience many eureka moments of discovery.
Writing a research paper is more like following a spiral than a straight line. As you find sources in the library and on the Internet, you may form a rough outline or start writing brief notes. Later, after finding information that relates to your purpose and your arguments, you can start adding to your notes…Keep the spiral idea in mind… as you do your research and write your paper (Palmer, Discovering Arguments).

In an essay of 5-7 double-spaced pages, choose a clear and arguable position.
-use the rhetorical appeals of ethos, pathos, and logos to reach your audience.
– trustworthy tone” is important because it shows readers you are fair-minded and honest
-Essentially, you are choosing a side on an issue and explaining to the reader WHY you believe your position is correct based upon your evidence. This is a persuasive paper.

Be sure to include the necessary background information (context) so that readers can understand the topic. Provide sound reasons to back up your position. Give “convincing evidence” to back up your reasons, including “facts, statistics, expert testimony, anecdotal evidence, case studies, textual evidence” (169). The evidence you use must include a minimum of four academic sources—dating back to 2000 and no earlier—in a thoughtful way. Your essay must also include one counterargument (the opposite view of your position), as well as your rebuttal (response) to this opposing viewpoint.
Follow MLA formatting standards, including the use of signal phrases to identify new sources, proper in-text citations, and Works Cited pages.

Read the case study below and answer the questions.
1. Talk about the Alverez family; conceptualize your understanding of them, and any other details you will add to their story. (The case is below instructions)
2. Select a theoretical approach that you will use as the clinical framework for this paper. Discuss in detail (talk about history, philosophy and interventions of Rogerian theory)
Helpful link (https://www.goodtherapy.org/learn-about-therapy/types/person-centered) .
3.
Discuss how you anticipate using the theoretical approach with your client. (How you would use this theory)

4 Describe your preparation process before you meet with your client. (What would you do to prepare yourself to meet with this family)
5 Describe your first meeting (Walk me through your first session). Here are some ideas of what you may discuss:
 Who is present?
 Introductions
 What is the purpose of the first interview? (Talk about establish rapport, build trust, open up problem)
 Where would it take place? (Location of where you would host the interview)
 How would you introduce yourself and your agency?
 Would you include multidisciplinary team members? If so, what would their role(s) be?
Helpful links: https://work.chron.com/social-work-interviewing-skills-16544.html
https://sites.google.com/site/robertsseniorpresentation/social-work-practice-engage-assess-intervene-evaluate

The Alverez Family

Ray, age 80, and his wife Jean, age 75, have been married for over 50 years. He suffered a stroke several years ago. Jean takes of Ray at home, with the help of two of their four children (Marge, 30 years old and Miranda, 32 years old) and occasional assistance from a home health agency.

Ray

Ray had always been the family breadwinner; working at the same factory for 30 years and retiring at age 65. Ray is difficult to care for at home. He is not only heavy, but his left arm and leg are partially paralyzed, making mobility difficult. He becomes verbally abusive when immobility, incontinence, noisy grandchildren, and other irritations frustrate him. He has adamantly refused to consider going to a nursing home or other care center. Ray had abused alcohol and was alternately verbally abusive or morose when he had too much to drink. He had stopped drinking when he was 55 and attended Alcoholics Anonymous meetings regularly for several years.

Jean

Jean had stayed home and had raised four children. Jean provides care for Ray although it takes a toll on her physical and psychological well-being. She would feel extremely guilty about having to send Ray to a nursing home or any other facility. Her own mother cared for her father when he became frail and infirm.

Marge

Ray and Jean’s youngest child, Marge, has struggled with addiction to cocaine and other drugs. Currently, she is serving a jail term for possession of cocaine. Because her addiction has interfered with her parenting abilities, Jean and Ray have been the primary caregivers for Marge’s son Jason, now a teenager, since he was a small child. Jason has been skipping school and he is uncommunicative. Recently, the police arrested him and two friends after they tried to steal some CD’s from a local music store.

Miranda

Miranda, another daughter, is concerned that Jean can no longer meet the needs of her husband and grandson. Jean is not attending to her own physical and mental health. Miranda would like to spend more time helping her parents, but her work as an office manager for a small construction company keeps her busy. Miranda’s employers are generally not willing to give her the time off needed to support her parents and as a small company, do not offer Family and Medical Leave. When Miranda does try to help her parents with household chores or transportation to medical appointments, she finds herself becoming angry and impatient with her father, who was often verbally abusive to her and her siblings when she was growing up.

Miranda has contacted you, a social worker in a family service agency, to talk about ways to “get help” for her parents. You need to assess the Ray and Jean’s situation so that you will have enough information that will lead to a plan that can help the family through this life stage transition.

Here is a brief description of those two components of the class and how they are related. Of course, there are also detailed guidelines for each assignment separately. Over the years, I have noticed quite a few people have the same questions and confusion about those two assignments, so read carefully  (And ask as many questions as you have after you read this.)

The final project for this class is the Learning Vignette. The best way to explain the connection between the biblio and the LV is to tell you about the LV first, although, chronologically you will complete the biblio first.

Learning Vignettes – This is a 15 mins skit/act out of your understanding of the material you have learned. Since this is an entirely online course you will (sadly) not be able to act out the skit – therefore, this assignment will be basically writing the script for the skit. In this group project, you will do what is known as closing the gap between theory and practice. Remember that in your LV group (which I will form on the basis of the grade levels and topics you have expressed preferences towards in your survey), you CANNOT have two people with the same biblio topic. That is why, I decided to start with this early, so you can all finalize your topics within your groups. Once you all know what you will be doing your biblios on, you will be expected to share your knowledge with your groupmates and teach them the strategies you have learned from your research on your topic.

For your LVs, I will provide you with an instruction sheet including grade level, topic, specific activity and understanding goals. Your task is to incorporate all the strategies you have learned about for your biblio topic into the skit. Remember, the goal for this assignment is to portray how well you understand the principles of educational psychology and how to implement those in the classroom. Knowing definitions for this project will not be enough. I give you the what, you show me the how. The idea is to get to see (and do it yourself) how those concepts LOOK like in reality. As you write your script, I encourage you to use the “Comments” option on MS Word to provide comments throughout. You can identify what concepts you are covering. That said, make sure that in the actual script, you do not actually tell us. Meaning, when we teach, you don’t say things like: “Ok, now we will spend a little time to work on your identity development by exploring who we really are.” This would be considering you “telling” us about your topic (Identity development), rather than showing us how a teacher would promote identity development in the classroom. Does that make sense?

Annotated Bibliography – For this assignment you will be asked to come up with a topic of you are interest that is in the realm of Educational Psychology. You will then look for 3 articles from a list of journals I will provide you with. Once you know your topic, you can use variety of strategies to find those articles in the specified journals. If you are having hard time finding articles, I encourage you to seek help of the librarians and you can always email me and I will gladly help you. The reason why I will give you a specific list of journals is that the articles you need for your assignment need to be practice-oriented, sources that will be more “how to” oriented, not as much as theory or research-oriented. The detailed guidelines for the biblio are already posted on Blackboard. By the end of your research and write up of the Annotated Bibliography you will be considered somewhat of an expert on your topic in your LV group and you should have a nice list of strategies that can be applied in the classroom.

Feel confused? Ok, here is what you need to do step-by-step
1) Complete the survey and wait until I put you in your LV group
2) Come up with biblio topic – once in your LV group, make sure to check out what others’ topics are. No 2 people within a group can have the same topic.
3) Share it with your LV team-mates on Blackboard
4) Complete your draft and eventually your final Biblio
5) Start writing your script. Blackboard doesn’t offer really good tool to do so. I encourage you to use Google Docs. It is a really good tool in which all of you can work on the script at the same time. They have really revamped the program and it is pretty awesome now!
6) Once skit is done, transfer it to a proper MS Word file. Add the Comments throughout indicating what concepts are covered where.
7) Write your introduction: In it, you need to include all LV members and their Biblio topics. You need to also give us the settings and any possible props you would have used if you were to act the skit out in a classroom.
8) Submit it on Bb by the deadline
9) Submit your peer evaluations (if you are having concerns about any of your LV team-mates even before the submission of peer-evaluations, please email me!)
10) Evaluate other LV groups’ scripts and submit your evaluations.

In order to ensure everyone participates in the group project, at the end of it, everyone will be asked to complete a peer-assessment sheet for each of your LV team-mates. While this is a group project, everyone will receive an individual grade. Your grade will be effected by:
1) LV group grade
2) How well your biblio topic is represented in the LV
3) Your evaluation of other groups’ LVs
4) How well you worked with your peers (based on the peer-assessments)

The class is about the music in the age of Haydn and Mozart. You will prepare a short review about a concert. As for the details, please refer to the attached assignment guideline and rubric. Below is the official website of the concert I attended.

https://www.tafelmusik.org/concert-calendar/concert/mozart-40

Below are the three examples of public concert reviews of the Tafelmusik performance I attended last week.

https://www.thestar.com/entertainment/music/review/2018/09/21/tafelmusiks-captivates-with-mozart-season-opener.html
Mozart 40, Tafelmusik 40
https://www.torontoconcertreviews.ca/september-22nd-2018-mozart-40—tafelmusik-baroque-orchestra—koerner-hall—royal-conservatory-of-music.html

Please make sure that you read the assignment guideline carefully and follow them. I have also attached the program book I received on the concert day for your reference. Since the songs they played are very famous, I am sure you can easily find them on music streaming apps or websites. You can listen these and write you what feel about them. As long as they are general (not too specific), it should be okay. Also, when I was in the concert, there was nothing particular or peculiar happened that day.

Task – Recovery Approach to Mental Health (Nursing)
Objective on Assessment Task:
The goal of this task is to demonstrate your understanding of what it might be like to embark on a Recovery/Self-Care journey and to increase your capacity as a nurse to effectively support people in Recovery. The goal is: ‘reduce relying on alcohol when experiencing anxiety’.
The task has two parts – Part A and Part B:
PART A (500 words +/-10%): Develop a Recovery/Self-Care using a ‘self-care’ model with the goal to ‘reduce relying on alcohol when experiencing anxiety (refer below)’. To create the plan use an example such as plans – WRAP (Wellness Recovery Action Plan), Recovery Plans or Wellness Plans (these can be found on the internet. The self-care plan does not need to be in essay form. It should include references to support/guide your care plan. The plan should be (+/- 10%) 500 words.
The plan msut clearly identify:
• What area of your life you want to work on – ‘Reduce relying on alcohol when experiencing anxiety’
• What your goal(s) are – ‘Find other alternatives to manage anxiety, limit drinks to a maximum of 2 in one sitting’
• How you propose achieving your goal(s) – ‘insert fictitious goal’
• What supports you have in place and the role they will play – ‘explain the role of family/friends or therapeutic supporters (such as a counsellor, personal trainer, nutritionist, etc)’
• What challenges you may face and possible ways of addressing these – ‘identify and explain the challenges & how you address these’
• Supporting literature – ‘identify literature to support the goal’
When developing the plan, remember we are modelling a Recovery type journey to experience and learn first-hand what might help and hinder a person on a Recovery journey. Like a Recovery plan it is important that your plan focuses on your strengths and that your journey, whilst utilising supports, is self-directed. Your plan can include images, drawings, pictures and words.
PART B (1500 words +/-10%): : Write a reflective/argumentative Essay on your experience on the ‘self-care’ on reducing ‘reduce relying on alcohol when experiencing anxiety’. Write in first person about your ‘fictitious’ journey as an area in your life where you would like to make positive change, focusing on ‘self-care’ and using a ‘Recovery model’. The essay should be (+/- 10%) 1500 words. It should include references to support/guide your journey.
The essay must clearly reflective & provide an argument re: ‘Self-Care’:
• The need for effective self-care for consumers – why is this important for journey of recovery?
• The need for effective self-care for nurses – why is this important working in this professions?
• What was your experience like receiving support?
• How is your journey progressing and why?
• What factors helped you (internal and external)?
• What factors hindered you (internal and external)? How have you dealt with obstacles?
• How your journey, experiences and learnings might change or inform how you work with people in your future nursing practice
• How your self-care journey, experiences and learnings relate to Recovery

You may consider:
• Your understanding of the role of plans and strategies from a Recovery-orientated perspective. What is important in doing the plans?
• How might this be similar/different to the biomedical model approach?
• What informed your goals & strategies?
• How do you think your experience might compare/contrast to that of consumers (based upon your understanding through the course and research)?
• How will this experience influence your work with consumers and how you dp planning?

Experience of receiving support:
• What was your experience of support (ie where you able to choose who you wanted?0 were they listening to your needs and working ‘with’ you? Were they available how and when you required? Did they ‘support’ you or try ‘direct’ you? Whose needs were being met (yours or theirs)? Did you experience some of the Recovery principles (ie empathy, connection, belief, autonomy etc)? Did you have any other observations? Was this helpful for you? What was unhelpful for you? How did your experience compare/constrast to that of consumers – what was similar/different?

1. The report must be typed using Arial 11.
2. Remember, this work must be your own. Copy and pasting information from textbooks, internet sources or other resources is not acceptable. This report will be run through TurnitIn, a software program that ensures originality of students’ work. (Keep in mind that this software also access ANY essay, report or project that has been published anywhere on the internet which includes those essays and reports available for sale.
3. If more than 15% of your material has been copied from various resources AND HAS NOT BEEN CITED USING APA 5th edition, all group members will receive a zero grade for this assignment, and an Academic Dishonesty report filed.
Please, if you do have questions, visit the Advanced Writing Centre or come and speak with me directly. Remember, if it is not your idea, you need to thank the original author.

The project:
choose the following company (their main competitor is in brackets):
• Doha Insurance: [Qatar Insurance]

Create a strategic plan. You will need to analyze the company’s current situation and its strengths and weaknesses. You will need to formulate, plan to implement and evaluate the competitive, functional and corporate strategy needed in order to help the firm move forward to a desired future situation.

This must be a formal written report 12-14 pages (3000 – 4000 words) not including cover, TOC, Appendices or References (appendices can be added at the end). This must follow the format found in the marking rubric on page 11.
Tip: Bullets, charts, tables and graphs are useful when providing details and information. This is a business report – not an essay! Your goal is to write clearly and concisely. Support your analysis statements with FACTS, not inference or feelings. Be specific; do not just say something the company does is “very well done.”
A thorough guide that may assist: http://college.cengage.com/business/resources/casestudies/students/analyzing.htm
You must include the following in your report.

Cover Page (include all student names and student IDs)
Table of Contents
Executive Summary
A one-page summary that includes the purpose of the report, the overview of the current company position, the company’s current challenges, the research involved with the project, your key findings, and alternate options AND your recommendation. THIS IS WRITTEN AFTER you write the rest of your report. It is the last thing your group will do.
1. Introduction
A one-page explanation of the company’s past five-to-eight years and how the company has changed over this period of time. The company’s position in the market should also be included. Finally, the report’s purpose, what was considered during the research stage and sources considered should also be covered.
2. Analysis
2.1. External Environment Analysis
..1 PESTLE (same as PESTEL) Analysis
Consider the Macro Environment that the company operates in. What factors influence the industry? Analyze the external environment, and carry forward any findings to your SWOT analysis (Opportunities & Threats).
Environmental factor –
Political Comments
Political
What is the political situation of the country (or internationally) and how can it affect the industry?
How does the government approach corporate policy, corporate social responsibility, and environmental issues? What impact would this have on the industry, and is it likely to change in the future? Are there future elections that could affect the industry?
Consider: tax policy, labour law, environmental law, trade restrictions, tariffs, and political stability, level of corruption and bureaucracy, freedom of press. Consider political impact on health, education, and infrastructure.
Economic
How the economy influences the industry’s performance.
How stable is the economy? Are customers’ levels of disposable income increasing or decreasing?
Consider: economic growth potential, interest rates, exchange rates, inflation rates, unemployment rates, disposable income levels, labour costs, price fluctuations, stock market trends, level of globalization in the industry and how these factors impacts companies in the industry.
Socio-cultural
The attitudes, values, norms, beliefs, behaviours and associated demographic trends characteristic of a given geographic area
How does a society’s views and beliefs influence an industry? How likely is there to be a shift in views/values? What impact will these expected changes have on an industry?
Consider: demographics, generational shifts, society’s levels of health/education/social mobility, social classes, family size and structure, minorities and expatriates, customer buying habits, immigration and emigration rates, gender distribution, employment patterns, job market trends, attitudes towards work, attitudes toward imported goods and services, attitudes towards work, leisure, career and retirement, and saving and investing, social attitudes and social taboos, religion and lifestyle choices and how these factors could influence an industry.
Technology
Are there any new technology changes that will affect the industry?
Consider: new technologies, new technologies available to competitors that are out of reach for your company, rate of technological change, spending on R&D, communication infrastructure, government restrictions (dial-up vs. fiber), infrastructure restrictions (remote working).
Legal
Legal restrictions in place (or may be in place in the future) that can affect the industry.
What is the likely timeline for proposed legislative changes?
Consider: human rights, consumer law, antitrust law, commercial law, copyright/patents/intellectual law, data protection, employment law, health and safety law, and international law.
Environmental
Ecological and environmental factors such as weather, climate, climate change, and how the weather may affect an industry.
Consider: weather, climate change, laws regulating environment pollution, air and water pollution, recycling, waste management, “green” products, endangered species, renewable energy, industries such as tourism, farming, and insurance are impacted by the environment. Consumer attitudes also can influence an industry.

.. 2 Industry Environment – Porters Five Forces
A. Industry Rivalry – How competitive and profitable is the industry?
Industry Rivalry
Industry growth rates Informational complexity Product differences
High fixed costs Concentration & balance Brand identity
Intermittent over capacity Diversity of competitors Switching costs
Exit barriers Corporate stakes

B. The Bargaining power of customers/buyers – How much power do buyers have to demand lower prices or higher quality from the industry?
The bargaining power of customers (buyers)
Differentiation of outputs Buyer information about supplier products Importance of volume to buyers
Switching costs Buyer profitability Cost relative to total buyer purchases
Presence of substitutes Decision makers incentives Impact of outputs on the cost of differentiation
Industry concentration relative to buyer concentration Threat of backward integration

C. The bargaining power of suppliers – How much power do suppliers have to charge high prices or offer lower quality materials to their buyers?
The bargaining power of suppliers
Differentiation of inputs Information about suppliers products Importance of volume to suppliers
Switching costs Supplier profitability Cost relative to total purchases in the industry
Presence of substitute products Decision makers incentives Impact of inputs on cost or differentiation
Supplier concentration relative to industry concentration Threat of forward integration

D. Threat of new entrants – How easy or difficult is it for new companies to enter a market?
The threat of new entrants
Economies of scale Absolute cost advantage Switching costs
Proprietary product differences Government policy Capital requirements
Brand identity Expected retaliation Access to distribution

E. Threat of substitute products or services – How easy is it for buyers to find substitutes with better prices or quality?
Threat of substitute products or services
Relative price performance of substitutes Buyer propensity to substitute Switching costs

• Internal Analysis
3.2.1 Company vision, mission, goals/objectives
Analyze the company’s vision, mission, goals and objectives. Remember to carry forward the information into your SWOT analysis.
Note: Mission: A mission statement is a short description of the purpose of the company/organization
Vision: How do we accomplish the mission? Presentation or prioritized, measurable goals with
deadlines.
Does the company’s mission/vision: clearly define your customers, identify the markets the firm operates in, seem concerned with survival, growth and profitability, outline its economic objectives and its beliefs, ambitions and value, as well as its competitive strengths? Does the statement(s) include a concern for public image, social community and/or the environment? Does the firm publically state how important their employees are to their success?
3.2.2 Resources – Provide a summary and explain how the company is achieving a competitive advantage using the following resources:
Tangible Resources Intangible Resources
Financial Resources Technological Resources
Physical Resources Innovation Resources
Human Resources Reputation
Organisational Resources
3.2.3 Capabilities – Provide a summary and explain how the company is achieving a competitive advantage using the following capabilities:
Corporate Information Managment
Research & Development Product Design
Marketing Sales & Fulfillment
3.2.4 Financial Analysis – Choose five (5) ratios to compute and analyze for the last five (5) fiscal years. Enter the details into a chart similar to the example below, and interpret the results – what do the numbers mean?
Note: Make sure to include your financials and calculations in an appendix. This can be uploaded as a separate file when submitting. A good guide: http://www.investopedia.com/university/ratios/
Year
Ratio 20XX 20XX 20XX 20XX 20XX
Current Ratio
Quick Ratio
Cash Ratio
Total debit ratio
Debit Equity Ratio
Times Interest Earned
Return on Equity
Return on total assets
Net profit / sales
Expense / sales
Asset turnover
Price Earnings Ratio
3.2 SWOT
Bring together your complete analysis – both internal and external into a summary SWOT table.
Strengths Weaknesses

Opportunities Threats

3.3 Competitive and corporate strategy analysis
Analyze the company’s corporate strategy. Consider their business/functional/operational strategies. If the company has subsidiaries or different business units, analyze the interaction between them. Do they trade or exchange resources? Is there synergy? Which corporate strategy are they pursuing? How are they achieving or failing at achieving competitive advantage? Has their corporate strategy changed over time? Why? Is their competitive advantage sustainable? Consider the SWOT findings in the previous section during your analysis.

4 Options for the company’s strategic plan
Using your analysis, create two (2) options for the company to have as a plan for the future. These options should be in line with your analysis, and should focus on corporate, business, and functional level strategies. They will generally centre on how to change the company – its structure, market, products etc.
• Option 1
• Option 2
5 Recommendation
Choose one optional strategic plan and provide a rationale for why it is the stronger and therefore more likely to be successful for the company. Your recommendation should be directed at solving whatever issue the company is facing.

6 Implementation or Action Plan for your recommended strategy
Remember to include a timeline which sequences the steps and resources the company should follow while they implement your recommendation. It is strongly suggested you separate the steps into immediate, medium and long-term actions.

7 Evaluation
Include the key success factors and/or criteria to measure the success or failure of your recommended strategic plan.

8 Works Cited
• All pages should be numbered.
• Any reference should follow APA guidelines.
• DO NOT repeat sentences or phrases from the websites you consult, as this does count as plagiarism. Remember, this will be submitted to Turnitin for originality verification.

This assignment is intended to guide you in the development of a clear, focused, and logically organized literature review to be used for the actual development of the literature review. Begin by reviewing the literature you have synthesized in this course. Identify several emergent themes to use to organize a literature review. Create an outline including the following:

One sentence introducing the research topic.
A list of the themes you identified in the literature reviewed so far in this course.
One sentence noting the theoretical framework(s) used to support the basis of the topic.
Two to three sentences noting identified gaps in the research knowledge base leading to support for the research topic.
Length: 1-2 pages, not including title or reference pages

Your assignment should demonstrate thoughtful consideration of the ideas and concepts presented in the course by providing new thoughts and insights relating directly to this topic. Your response should reflect scholarly writing and current APA standards. Be sure to adhere to Northcentral University’s Academic Integrity Policy.

Question 1 Pat and Marie have the following expenses and account balances. Pat’s annual 401(k) plan contribution $16,500 Pat’s annual salary $100,000 Current liabilities $24,000 Housing costs (P&I&T&I) monthly $2,167 Cash & Cash equivalents $18,000 Monthly nondiscretionary cash flows $6,000 Monthly debt payments other than housing $500 Pat’s employer matches $1 for $1 up to 3% of Pat’s salary in his 401(k) plan. Their savings rate is:
Question 2 Jill would like to plan for her son’s college education. She would like for her son, who was born today, to attend college for 5 years, beginning at age 18. Tuition is currently $12,000 per year, and tuition inflation is 6%. Jill can earn an after¬tax rate of return of 8%. How much must Jill save at the end of each year if she wants to make the last payment at the beginning of her son’s first year of college?
Question 3 Tracy and Brett are married with the following financial situation. Current assets $9,243 Current liabilities $6,921 Monthly nondiscretionary expenses $4,693 Annual combined income $70,000 Annual debt payments (excluding monthly housing costs) $22,084 What is Tracy and Brett’s emergency fund ratio in months?
Question 4 Mrs. Escovido has come to you for advice on financing her son’s college education at a state university. Even though her income exceeds $200,000, she has not saved enough for his college expenses. You advise her that her best opportunity to acquire education funds would be through:
Question 8 Pat and Marie have the following expenses and account balances. Pat’s annual 401(k) plan contribution $16,500 Pat’s annual salary $100,000 Current liabilities $24,000 Housing costs (P&I and T&I) monthly $2,167 Cash & Cash equivalents $18,000 Monthly nondiscretionary cash flows $6,000 Monthly debt payments other than housing $500 Pat’s employer matches $1 for $1 up to 3% of Pat’s salary in his 401(k) plan. Based on the information above, calculate Pat and Marie’s housing ratio 1 in numbers.

Question 1 Utilizing investment assets to gross pay benchmarks, which of the following individuals is likely on target with their investment assets?
Question 2 Your new client, Kerri, age 35, came into your office today. She provided you with the following information for the year. Income ¬ $100,000 Taxes ¬ $18,000 Rent ¬ $14,000 Living Expenses ¬ $40,000 Credit Card Debt ¬ $12,000 Savings ¬ $5,000 Student Loan Payments ¬ $5,000 Car Payment ¬ $6,000 After receiving this information, you created a pie chart to visually depict where her income was spent. Utilizing targeted benchmarks, which of the following statements are you most likely to make during you next meeting?
Question 3 Which of the following statements concerning the valuation of assets on the balance sheet is correct?
Question 4 Curtis is 60 years old. He plans to retire in five years. He has amassed a net worth of $1,500,000 which he expects will sustain him during retirement. He is divorced with two adult independent children. Which phase of the life cycle is Curtis most likely in?
Question 5 Jack and Jill are 41 years old and plan on retiring at age 65 and expect to live until age 95. They currently earn $200,000 and expect to need $100,000 in retirement. They also expect that Social Security will provide $24,000 of benefits in today’s dollars at age 65. They are saving $20,000 each in their 401(k) plans and IRAs. Their son, Parker, is expected to go to college in 10 years. They want to save for Parker’s college education, which they expect will cost $25,000 in today’s dollars, and they are willing to fund 4 years of college. They were told that college costs are increasing at 6% per year, while general inflation is 3%. They currently have $500,000 saved in total, and they are averaging an 8% rate of return and expect to continue to earn the same return over time. Based on this information, what should they do?
Question 6 Lori is an assistant to a patent lawyer and earns $40,000. She pays $500 per month on her mortgage, her homeowners insurance is $2,000 per year, her taxes are $2,000, her utilities are $5,000 per year and she pays $4,000 in credit card bills each year. Her housing ratio 1 is equal to 37.5%.
Question 7 Mark and Caren are 36 years old; they plan on retiring at age 62 and expect to live until age 95. They currently earn $250,000 and expect to need $200,000 in retirement. They also expect that Social Security will provide $40,000 of benefits in today’s dollars at age 62. They are saving $15,000 each in their 401(k) plans and just had a baby boy they named Albert Rufus or AR for short. They want to save for AR’s college education, which they expect will cost $20,000 in today’s dollars, and they are willing to fund 4 years of college. They were told that college costs are increasing at 7% per year, while general inflation is 3%. They currently have $150,000 saved in each of their 401(k) plans, and they are averaging a 9% rate of return and expect to continue to earn the same return over time. Based on this information, what should they do?
Question 8 Utilizing the three panel approach, which of the following would be evaluated in Panel 1 – Risk Management?
Question 9 CJ bought the following assets this year. Which of these purchases would be considered “bad debt?”
Question 10 Robin met with you recently to make some changes to her insurance needs. You have made several recommendations. Which of these recommendations will have a positive cash flow impact from an insurance perspective?
Question 11 Your client, Tom, asked you to prepare his financial statements. He believes that his wife is the root of all of their financial problems because of her spending habits. His wife, on the other hand, believes that most of their money goes to pay routine expenses like, house, auto, etc. Which financial statement will help them resolve this disagreement?
Question 12 Craig’s financial planner is preparing his balance sheet. Which of the following would be considered an “investment asset?”
Question 13 Adriana is an analyst at High Tech Hedge (HTH) where she earns $150,000 base salary with a bonus of $50,000. HTH sponsors a profit¬sharing plan with a 401(k) feature and provides for a dollar for dollar match up to 3% of compensation. Her account had $10,000 of capital gains this year and dividends of $5,000. She defers $15,000 into the 401(k) plan. The employer made no additional contribution to the profit sharing plan. What is her savings rate this year?
Question 14 David, 33 years of age, and Kristina, 34 years of age, are married with no children. They anticipate having children within the next five years. David and Kristina each have a graduate degree and student loans. They both have good jobs and earn about $110,000 together. They have mortgage debt of $190,000 on their home that is valued at $210,000. They have one car that they share that is not yet paid for, and they anticipate buying a second car in the next year. They have no credit card debt. Which of the following is a likely current goal of the couple?
Question 15 A client, Marie, age 35, came into a financial planner’s office today. She provides the planner with the following information for the upcoming year: Income ¬ $100,000 Principal and Interest payments on home mortgage ¬ $14,000 Homeowners insurance ¬ $1,000 Property taxes ¬ $5,000 Living Expenses ¬ $40,000 Credit Card Debt Payments ¬ $12,000 Savings ¬ $5,000 Student Loan Payments ¬ $5,000 Car Payment ¬ $6,000 When considering the targeted benchmarks, which of the following statements is the planner most likely to make during the next meeting?

Write an essay in which you critically examine the disagreement between Buber and Freud regarding the legitimacy of
religiousness or spirituality between their books, I and Thou and the Future of an Illusion: Present a textually-informed analysis of each thinker’s views about the nature of and
motivations behind spiritual or religious commitments, and offer your own critical evaluation of the disagreement
between the two thinkers. Your critical evaluation should take the form of a specific claim or thesis of your own about
the disagreement between Buber and Freud, and you should offer clearly developed reasons why you believe that your
reader should accept your verdict about the disagreement.