For each prompt, please provide some information from related readings.  You can also use class material and also outside source(s).  All sources used need to be cited properly.  I do not necessarily prefer one citation style over the other as long as you are consistent.  The rest of the space (for each prompt) should be used for your own: reflections, thoughts, reactions, even relevant anecdotes (if used sparingly).  I will gladly read your drafts for feedback before you hand them out. 

Please type your papers, no extra title page is required, please stay in the 4 page (2 page for each prompt) limit as much as you can.

1. Using the assigned chapters and readings on child neglect and child emotional/psychological abuse, explain the effectiveness of developed programs and suggestions (you can make suggestions on your own as well). 

2. Explain the issues of difficulty of measuring and hence “proving in court” for child neglect and child emotional/psychological abuse.  How would you advise researchers and lawmakers.  

 

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 For each section (Concepts/sections: probability, regression, forecasting, Monte Carlo simulation, LP/IP, and decision trees)  write a paper:

a.      What single type of organization you want to work for and why you want to work for them

b.      Decision/s that organization will have to make where they would be wise to use the concept or concepts. (probably be easier to have a different concept for each decision, but if you can think of and support one decision where all concepts could be used, go for it)

c.      Data they would need to use the concept in question

the essay should be one page or less.

 

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For each scenario, answer the questions. Make sure to support each answer with at least one reference to the required background materials. Be clear about how the reading supports your answer. Your paper should be 4- to 5-pages in length:

1. You are at a bar, watching a football game. You run into your friend Bob and make a bet for $1000 on the game. You have ten witnesses to the bet, but you have Bob sign a short statement on a napkin regarding the bet, just in case. You win the bet, but Bob refuses to pay even though you have sworn statements from all of your witnesses and have a handwriting expert who can prove that it is Bob’s handwriting on the napkin. Will you be able to legally collect your money from Bob? Why or why not?
2. Suppose you are selling your house and receiving bids from potential buyers. Your largest offer for your house comes from someone who is 80 years old, but is very wealthy and has more than enough money to buy your house. He signs an agreement to purchase your house for $500,000. A few months later, he has not yet paid you and you are unable to reach him by phone or email. You later find out he is living in a home for senior citizens with Alzheimer’s disease. Will you be able to force him to pay you the $500,000?
3. You sign an agreement to provide consulting services for a friend of yours. The agreement is that you provide a business report for him on how he can improve the profitability of his small company. The agreement is simple and only includes the following: A) Your name and the name of your friend, B) an agreement that you will complete your report within one month, C) your report will be 50 pages and provide at least five recommendations on how to increase profits, and D) your friend will pay you $50,000 when your report is completed. When you complete your report, your friend is not satisfied and says none of your five recommendations will work and refuses to pay. Neither of you wants to go to court. What went wrong with this contract – the offer, the acceptance, the consideration, or other? What additional clauses do you think should have been included in the contract to prevent this disagreement?
4. You own a small construction business and run into your father-in-law, who wants to hire you for a $10,000 project. He is adamant about not signing a contract, and says, “We are family! No need to get lawyers involved; we trust each other.” Being familiar with contract law, you know that since you are providing a service, rather than selling physical goods, an oral contract will be valid for amounts over $500. However, you know that your father-in-law is a bit absent-minded and might forget the terms of your oral agreement. What step or steps might you take to protect yourself from a future disagreement without a formal written contract?
5. Suppose you own a furniture manufacturing company. You have an oral agreement with a local furniture store to sell your products at a set price of $200 per couch and $25 per chair for a period of two years, with the store agreeing to buy at least five pieces of furniture per month during these two years. There are numerous witnesses to this contract but nothing is in writing. If the furniture store decides to stop purchasing your furniture after one year, is this oral contract enforceable? Explain your reasoning.

 

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 For each question, show the formula necessary to solve problem, and the formula with correct values from the

question (even if you are using the financial calculator).

If using the financial calculator, clearly show all calculator inputs.

 Conclude each question with a concluding “therefore” statement.

 Throughout the question, maintain at least 6 decimals, and in final answer, report 2 decimal places. Interest

rates should be expressed as a percentage.

Question 1:

Assume it is now January 1, 2000, and you are offered the following deal: starting from year 2000, you will be

receive each year the amount of dollars equal to the year, i.e., $2000, $2001, $2002, etc., until year 3000

inclusive. Payments occur at the year end and the interest rate remains at 10% throughout the life of the

investment, what is the most you would pay for this investment? How much would you pay for this deal if the

payments cover only the years from 2000 to 2050 inclusive? What can you conclude from the comparison?

Question 2: You plan to retire 24 years from now, and you expect that you will live 35 years after retiring. You want to

have enough money upon reaching retirement age to withdraw $175,000 from the account at the beginning

of each year you expect to live, and yet still have $1,000,000 left in the account at the time of your expected

death. You plan to accumulate the retirement fund by making equal bi-weekly deposits at the end of each two

week period for the next 24 years. You expect that you will be able to earn a quoted rate of 10%, compounded

semi-annually on your deposits. However, you only expect to earn an EAR of 5% on your investment after you

retire since you will choose to place the money in less risky investments. What equal bi-weekly deposits must

you make to reach your retirement goal?

Question 3:

You have just been granted a business loan of $1,000,000. The terms of the loan requires that you pay off the

loan in quarterly installments over a period of ten years. The bank is charging you an APR of 10%,

compounded monthly.

a) Calculate the interest payment and construct a complete amortization schedule that breaks down the

interest and principal repayment associated with each interest payment.

b) After five years, you put down a lump sum of $100,000 on the loan. You keep your payments the

same as in (a). By how much time have you shortened the life of your loan?

c) Using present value formulas you learned in class, show the interest and principal payment portions

of the 32nd payment, and reconcile your result with the amortization schedule constructed in (a).

Question 4: Rideau Auctions’ dividends are expected to grow at 25% during the next year and then 8% per year

indefinitely. The required return on this stock is 13%, and the stock currently sells for $85 per share. What is

the value of the dividend per share that Rideau Auctions just paid?

Question 5:

A bond of MacKinnons Inc. has face value of $1000, pays 6% coupon semiannually, and has 20 years to

maturity. The bond has a quoted price of 102.

a) What is the yield to maturity on MacKinnons’ bond?

b) What is the current yield?

c) By how many percentage points would the price of MacKinnons’ bond change if the market interest

rates suddenly increase by 1%?

d) What will the market price of this bond be one year from now if the required yield on similar bonds

falls to 2% in one year from now?

e) If you sell the bond in three and a half years from now at 102.7, what is your holding period yield?

 

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For example, in the article published on CBC News “Ontario’s minimum wage raise a ‘small business killer'”, Nasser (2017) states, “The Canadian federation of Independent businesses goes further, saying wage hikes will mean job losses as small business owners are forced to make “difficult choices,” including cutting hours and jobs.” 

How can you explain the concept of scarcity in this case? if the minimum wages increases how can we explain the scarcity concept? Which other economic concept can we explain that is related to wages increase ? will it affect how consumer behave meaning consumer behaviour etc

 

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