Premium Essay

Financial Tech

In: Computers and Technology

Submitted By skool123
Words 481
Pages 2
Financial Planning Project:
• Project is worth 15 points, or 15% of your grade
• Due via email or Blackboard by 12/9 at 11:55pm
• Report format must be Microsoft Word document, with .doc
• Late submissions will lose .5 points per day late
• Report should be 3 to 5 pages, no longer than that please

You have a hypothetical $1 million portfolio of your own which you will use as the basis to create a financial plan for your future. Using the information contained in Chapter 14 of the textbook, Managing Portfolios: The Practice, you will use the Nine-Step Investment Process to create your own personal investment plan. Details of the Nine-Step Investment Process are found beginning on p. 14.3, and they include the following:

The Nine-Step Investment Process
1. Develop an understanding of the client’s goals (your goals)
2. Identify a target rate of return
3. Agree on a time horizon
4. Determine the client’s tolerance for and capacity for risk
5. Define the asset classes
6. Determine an appropriate asset allocation
7. Create the IPS
8. Select the investments themselves
9. Monitor and adjust as needed

Instead of planning for a client, you are planning for yourself and your own personal goals, assuming you have just received $1 million today. In doing so, you should consider your own investment horizon and specific life situation, as well as the current condition of the global markets. Your report must contain a narrative section for each of the 9 steps of the investment process, except for Step 7. You do not need to create an Investment Policy Statement. Each section of your report should consist of at least one paragraph, or in the case of steps 5 & 6, charts or several bullet points. When doing your asset allocation and resulting investment selection, please make sure to use concrete historical return data to support your choices, and please…...

Similar Documents

Premium Essay

Tech

...Major and Courses | Scholarships | Duke University | In State: 41,938Out of State: 41,938 | Psychology * Abnormal Psychology * Cognitive Psychology * Development Psychology * Social Psychology * Neuroscience * Personality | Duke awards the merit scholarship based on your high school credentials and athletic scholarships | University of California: Los Angeles | In State: 12,686Out of State: 35,564 | Psychology * Abnormal Psychology * Cognitive Psychology * Development Psychology * Social Psychology * Neuroscience * PersonalityPsychobiology * Drugs and Behavior * Biochemistry * Language Development * Cells, Genes, and Inheritance * Principals of Behavioral Neuroscience | UCLA awards scholarships for financial aid and the merit. Some of these scholarships are: Alumni Scholarships and the Bunche Scholarship. | Ninth & Tenth Grade Courses Compare & Contrast In the graphic organizer you can view the various courses at Westlake High School that were pretaining to the career, couseling. The other courses shown were from Duke and UCLA. The other courses avilable can be found in the chart. As a 9th grader it was important for me to take general heath because in college a similar course is Drugs and Behavior. Although this General Heath did not go in depth with that particular subject, it introduced me to what it is. During (th grade as well, I took Biology. This course in recognized as a class need because the class Cells, Genes,......

Words: 2148 - Pages: 9

Premium Essay

Cedar Tech

...Group Teams 30 Chapter 11: Managing Change 32 References 35 Synopsis Mount Cedar Technologies, Inc., also referred to as Cedar Tech, was founded in Los Angeles, CA in 1995 by John Curtis and Frank Mathew. More than 80% of Cedar Tech’s business comes from customers within California while less than 20% comes from other states. The company started off as an importer and distributor of computer accessories such as computer cables, audio/video cables, surge protectors, etc. In 1998, the company added new products by becoming a provider of third party technology, including hardware, software and services to corporate customers including computer and networking accessories, computers, peripherals, printers, displays, printer consumables, and software. They also offered services such as installing hardware and peripherals into systems, provided standard and custom hardware configuration for personal computers (PCs), notebooks, printers and servers. By 2000, the company evolved into an IT infrastructure integrator specializing in hardware and software products, storage and security solutions, and technical services to enterprise, small and medium businesses, government, educational and medical institutions. Also in 2000, Cedar Tech acquired Denta Solutions of Los Angeles, a small solutions provider that specialized in IT storage. Cedar Tech began with only 6 employees in 1995 and grew to more than 170 employees by 2006. While the company grew, it lacked in......

Words: 7241 - Pages: 29

Premium Essay

Hemo Tech

...Hemo Tech Case Study Liliana Buzoianu Ayers Keiser University ACG5075 Dr. Bedell May 26, 2013 Intro Bringing a new technology on the medical equipment market, Hemo Tech becomes known on the market by being the only company that is selling a new technology. The new technology is known as BIO-07, new medical equipment that’s innovating the previous model BIO-02 by improving considerably the blood collection process. Hemo Tech signed an exclusivity contract with Extract Co. through which Hemo is offering a large variety of services including, but not limited to supplies, screening and monitoring test services, having the main target of reducing contamination level. Based on the International Financial Reporting Standards, also known as IFRS, Hemo Tech is interested to find out what accounting standards the company needs to use in order to offer more accurate information regarding the deliverables. In the same time FASB (The Financial Accounting Standard Board) was adopted by Hemo Tech, n order to determine which of the products deliverables are or not. One thing to be mentioned is the fact that this new technology that Hemo Tech is using is approved in advance by FDA (Food and Drug Administration). VSOE (Vendor Specific Objective Evidence), TPE (third-party evidence) and ESP (the estimate selling price) become the main point of interest for Hemo Tech, which needs to figure out which of the techniques is the best at serving its needs. Analysis As O’Connor noticed,...

Words: 688 - Pages: 3

Premium Essay

Tech Vata

...Tech Data Corporation Restating jumal Statements Submitted To: Prof………….. Strategy Management Stayer University Date: May 1, 2013 Tech Data Corporation (TECD) headquartered in Clearwater, FL, is one of the world’s largest wholesale distributors of technology products. Its supreme logistics capabilities and value added services enable 120,000 resellers in more than 100 countries to efficiently and cost effectively support the diverse technology needs of end users. The company is ranked 109th on the Fortune 500. Tech Data Corporation was founded by Edward C. Raymund in 1974 and its initial charter was to market data processing supplies directly to end users of mini and mainframe computers. Later in 1983 Tech Data Corporation enlarge its goal and started servicing microcomputers resellers as a wholesale distributor. Today the company sold about $24 billion of IT products to more than 125,000 technology resellers in over 100 countries. On March 21, 2013 Tech Data Corporation announced that company will restate some or all of its previously issued quarterly and audited annual financial statements for the fiscal year 2011, 20012 and 2013 including its recently released earnings from March 4, 2013.. Tech Data Corporation announced to restate in the recommendation of management, audit committee of its Board of Directors and after discussion with the Company’s independent accountants, Ernst & Young LLP. Tech Data Corporation will look for a 15 day filing extension......

Words: 919 - Pages: 4

Premium Essay

Tech

...still suffers in comparison to arch- rival GE, whose shares have had a total return of 423% over the past 10 years, versus 273% for the German company. Von Pierer himself has admitted that he wasn’t always able to push change as fast as he would have liked. It’s not just a question of cutting costs. “In the innovation game, productivity and R&D matter more than cost structure,” says William M. Castell, CEO of GE Healthcare. Siemens boasts that its engineers and scientists generate more than 8,000 inventions a year, but it needs to do more to turn those innovations into commercial products. Siemens was a leader in introducing mobile-phone handsets with color screens and built-in MP3 music players, for example, but wasn’t able to translate its tech edge into market strength. Can Kleinfeld succeed? He doubtless has the drive. Kleinfeld’s father, a shipyard laborer who became an engineer by studying nights, died when the boy was 10. That was a “brutal” experience, Kleinfeld says, but the hardship that followed forged a determination to succeed. An only child, he stocked grocery shelves at age 12 and has held a job ever since. After studying business at Georg August University in Göttingen, Kleinfeld put in stints at a Nuremberg market research firm and at drugmaker Ciba-Geigy before joining Siemens’s corporate sales and marketing department in 1987. The new Siemens chief was a multitasker before anyone used the term. Many of his generation milk Germany’s free university system for......

Words: 1771 - Pages: 8

Premium Essay

Tech

...The page Business Plan 161 ary 8n limi Types of Ventures 179 e II V E N T U R E F O R M AT I O N A N D P L A N N I N G d fo r s ent tud s of D ho r. T ma Any s. yer sB oth e e r us is p r bite ohi d. 9 Knowledge, Learning, and Design 209 231 10 Legal Formation and Intellectual Property PA RT D E TA I L E D F U N C T I O N A L P L A N N I N G F O R THE VENTURE III 11 The Marketing and Sales Plan 251 281 307 12 The New Enterprise Organization 13 Acquiring and Organizing Resources 14 Management of Operations 329 349 vii 15 Acquisitions and Global Expansion viii Brief Contents PA RT FINANCING AND BUILDING THE VENTURE IV 16 Profit and Harvest 17 The Financial Plan 18 Sources of Capital 367 391 415 455 19 Presentations and Deal Negotiations 20 Leading Ventures to Success References, Appendices, Glossary, Index, 489 509 467 656 666 se The pre na limi ry p s age are p are rep d fo r s ent tud s of D ho r. T ma Any s. yer sB oth e e r us is p r bite ohi d. CONTENTS Foreword, xiii Preface, xv 3.4 3.5 3.6 3.7 3.8 3.9 PA RT V E N T U R E O P P O R T U N I T Y, C O N C E P T, A N D S T R AT E G Y I The Business Model 59 Business Model Innovation in Challenging Markets 63 Core Competencies 65 Sustainable Competitive Advantage 66 AgraQuest 70 Summary 72 Chapter 4 is p se Competitive Strategy 75......

Words: 60653 - Pages: 243

Free Essay

Tech

...revolved around warfare, city-building, entertainment and “showing off” power and wealth - status of engineers in these courts increases with new political and military projects - Court patronage necessary for “Renaissance men” like Leonardo da Vinci and Galileo Galilei; courts provided vast resources, access to figures in power - New technique in the world of art, introduced by Leon Alberti, called linear perspective - Brought depth and perspective to drawings - Prior to this period, buildings were not drawn according to depth - People were drawn according to their status - Depth signals a huge change to peoples attitudes toward technology - Drawings of technology started using linear perspective, tech drawings blossomed - More interesting to look at - For the first time, peoples imaginations are opened up with the advanced images of invention - Technology and science are moving closely together…slowly - 3 reasons why we recognize this change: - -> Increased use of instruments and tools in scientific practices (experiments): more technology being used in scientific practices i.e. telescope, microscope - -> Social Spaces: places where people of different disciplines come together, talk and share knowledge i.e. pubs, coffee houses which first started during this area, salon - -> Hybrid Human: someone with interest in both science and technology A. Leonardo da Vinci (1452-1519) - little is......

Words: 3090 - Pages: 13

Free Essay

It Tech

...characterized by forgetfulness, absenteeism, tardiness, and missing assignments. Opiates Narcotic drugs which alleviate pain and depress body functions and reactions. Health Effects 84. IV needle users have a high risk of contracting hepatitis or AID when sharing needle. 85. Increased pain tolerance. As a result, a person may more severely injure themselves and fail to seek medical attention as needed. 86. Narcotic effects are multiplied when combined with other depressants causing an increased risk for overdose. 87. Because of tolerance, there is an ever increasing need for more. 88. Strong mental and physical dependency occurs. 89. With increased tolerance and dependency combined, there is a serious financial burden for the users. Amphetamines Central nervous system stimulant that speeds up the mind and body. Health Effects 90. Regular use causes strong psychological dependency and increased tolerance. 91. High doses may cause toxic psychosis resembling schizophrenia. 92. Intoxication may induce a heart attach or stroke due to increased blood pressure. 93. Chronic use may cause heart or brain damage due to severe constriction of capillary blood vessels. 94. Euphoric stimulation increases impulsive and risk taking behavior, including bizarre and violent acts. 95. Withdrawal may result in severe physical and mental depression. Workplace Issues 96. Since the drug alleviates the......

Words: 6433 - Pages: 26

Premium Essay

Tech

...Source: HSC 2007 Health Tracking Household Survey higher levels of activation are associated with higher levels of preventive health behaviors and preventive care, as well as increased self-management of health conditions.6 Part of being more activated is seeking and using relevant health information. For example, those who are more activated are more likely to report that they read about possible side effects when they get a new prescription drug. Ninetyfour percent of those at the highest level of activation read about possible side effects, compared with 74 percent of the least activated (findings not shown). Crucial to positive health outcomes is the ability to obtain needed health care services. While health policy often focuses on the financial and health insurance coverage barriers to obtaining needed medical care, it is likely that more highly activated patients have greater success in navigating a highly complex and often confusing health care system. For example, people with chronic conditions who are at lower levels of activation are much more likely to report unmet medical needs, to delay care and to have unmet prescription drug needs (see Table 3). Less activated people are also somewhat less likely to have a usual source of care. These differences remain even after controlling for socioeconomic and health status and likely reflect the more passive approach that people at lower levels of activation often take in managing their health. These findings also may......

Words: 5458 - Pages: 22

Premium Essay

Tech

...matter what other notification methods are used e.g. phone or email. A help line will be established as a resource for those who have additional questions about how the breach with affect them. The notification letter will include: · A brief description of the incident. The nature of the breach and the approximate date it occurred. · A description of the type(s) of PII that were involved in the breach. The general types of PII, not an individual’s specific information. It will also provide steps to mitigate risks that can be taken by affected individuals. The steps provided to affected individuals will depend on the nature of the data breach. If the breach has created a high risk for fraudulent use of financial information, customers may be advised to: Monitor their financial accounts and immediately report any suspicious or fraudulent activity. Contact the three major credit bureaus and place an initial fraud alert on their credit reports. This can be extremely helpful in situations where PII that can be used to open new accounts, such as social security numbers, has been take. Avoid attempts from criminals that may see the breach as an opportunity to pose as employees in an attempt to deceive affected individuals into divulging personal information. · File a report with local police or in the community where the breach took place. · Explanation of what is doing to investigate the breach, mitigate its negative effects and prevent future incidences. Procedures: ......

Words: 9781 - Pages: 40

Premium Essay

Tech

...John Weatherwax Week 7 En 1320 Research paper New technology break troughs, Research question, less than 30 years ago we had no cell phones If we can talk on a cell phone that is a watch today and where will we be in 30 more years? Just by what I have seen and heard from various producers of cell phones I do believe that the cell phone tech is going to be in the field of a wearable devices the new (in the last few years ) watches are just the start. In the 50’s Dick Tracy had a watch that the new watches mimic so what is next will it implants or projectable it is hard to tell but in my thoughts it will be in the realm of a wearable and possibly a wearable projection device. Articale #1 Cast your mind back to late 2008, when the first Android-powered handset saw the light of day. Obama won his first Presidential election, Apple launched its App Store (the iPhone had appeared the year before), Google announced its own Chrome browser and we got our first look at the company's new mobile OS on the T-Mobile G1. The Android of 2013 is a world away from that 2008 version, where the Android Market was in its infancy, there were no native video playback capabilities and the G1 had no multi-touch support. But Google is going to have to keep innovating and improving its mobile OS to keep the lion's share of the smartphone market. We've taken a peek into the future to consider what Android might look like in the year 2020. With new Android monikers now appearing about......

Words: 3468 - Pages: 14

Free Essay

Tech

...new TLF Panel survey conducted on behalf of kids clothing retailer Vertbaudet.co.uk found that four in five parents believe technology and gadgets are good for kids, aiding in their development. The study found that 37 percent of parents asked said that their child spent between one and two hours a day playing with tech gadgets, and 28 percent said between two- and three hours. Moreover, the study found that 38 percent of two- to five-year-olds own an Android tablet, and 32 percent own an iPad; almost a third (32 percent) of these kids also have a mobile phone. The reason behind all this gadget use: over a third of parents (35 percent) said they use tech gadgets to entertain their children because they are convenient, and nearly a quarter (23 percent) because they want their children to be tech-savvy. A 2015 survey of 1,000 British mothers of children aged 2 to 12 found that 85 percent of mums admit to using technology to keep the kids occupied while they get on with other activities. The AO.com survey pointed to children spending on average around 17 hours a week in front of a screen – almost double the 8.8 weekly hours spent playing outside. Wanting our children to tech-savvy is understandable, and the need to keep them entertained will also make sense to many a parent. But we must also weigh up the risks associated with children having too much screen time. In his lecture ‘Managing Screen Time and Screen Dependency’ Dr Aric Sigman argues that “whether it’s Facebook, the......

Words: 3718 - Pages: 15

Premium Essay

Tech

...feel that what they are buying is directed to those who demand the best. So when critics argue that Apple is very controlling over their products and who can develop software’s for them or sell them, you can be sure that, that is exactly how CEO Steve Jobs wants it to be. It’s very clear how this technological mogul has got to where it is, by not compromising or losing focus on what their mission as a company is. Nicholas Bonsack reports, “In a recent Consumer Reports survey focusing on four aspects of customer service for computers — problem solved, phone wait time, and the quality of phone and online support staffs — Consumer Reports subscribers gave Apple the highest marks among the top computer vendors for both laptop and desktop tech support. Apple was the only company to earn top scores in all four categories”(2). Aside from Apple striving to be the most innovative computer and electronic device manufacturer, they also out do themselves when it comes to customer service, which we all wish was true for most of the companies out there. You can say that Apple has found a secret recipe for success, combining innovation, quality, style and an outstanding after sale service. Now it’s not so hard to figure out what all the hype is about. They are profoundly dedicated to solving our problems as consumers, while giving us beautifully simple devices that do what we need them to do and then some. By not being interested in pleasing absolutely everyone, they give their......

Words: 684 - Pages: 3

Premium Essay

Tech

...Officer and Chief Financial Officer, after evaluating the effectiveness of Dell’s disclosure controls and procedures (as defined in Rule 13a-15(e) or 15d-15(e) under the Exchange Act) as of the end of the period covered by this report, have concluded that, based on the evaluation of these controls and procedures, Dell’s disclosure controls and procedures were effective. Management’s Report on Internal Control Over Financial Reporting — Dell’s management, under the supervision of Dell’s Chief Executive Officer and Chief Financial Officer, is responsible for establishing and maintaining adequate internal control over financial reporting (as defined in Rule 13a-15(f) or 15d-15(f) under the Exchange Act). Management evaluated the effectiveness of Dell’s internal control over financial reporting based on the framework in Internal Control — Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission. Based on that evaluation, management has concluded that Dell’s internal control over financial reporting was effective as of January 28, 2005. Management’s assessment of the effectiveness of Dell’s internal control over financial reporting as of January 28, 2005, has been audited by PricewaterhouseCoopers LLP, an independent registered public accounting firm, as stated in their Report of Independent Registered Public Accounting Firm included in “Item 8 — Financial Statements and Supplementary Data.” Changes in Internal Control Over Financial......

Words: 1608 - Pages: 7

Premium Essay

Tech

...from Information Technology. Managers should have a high level view of the kinds of markets they are to be working in and the kinds of companies they plan to become. This long-term view will assist them to spotlight on near-term innovations in business practices, whereby helping to create fundamental strategic advantage across the challenges of the market. Furthermore organizations and high level managers, as well, should take under consideration that Information Technology is not a panacea. There should be a thoughtful use of Information Technology into businesses. Massive use of IT is not probable that will solve all the problems of a company. IT should be regarded as a tool that enterprises gather force in order to implement their financial, productive and strategic goals. If none solution is coming from IT then it doesn't matter, at least what may concern its strategic value. However if companies focus their work on new possibilities and initiatives IT can create then Information Technology does matter. A concerned and durable effort is required in order to have the new opportunities, IT can create, revealed. Thus the anticipated results of a company would appear and all the helpful consequences they may concern. This opinion is definitely a bad message for IT vendors. They should probably change their current strategy concerning their sails of IT equipment to companies. The idea that the more application organizations use the more competitive would be, is......

Words: 2548 - Pages: 11