Risk & Return Essay Example for Free

Risk Return Essay What are investment returns? What is the return on an investment that costs $1,000 and is sold after 1 year for $1,100? Investment returns is the expectation of earning money in the future on the amount of money invested. The return is the financial performance of the investment. The return is the difference between the amount invested and the amount you are returned after said investment. There are two ways to show return on investment. 1. By dollar return. Amount to be received – Amount invested = $1,100 $1,000 = $100 in return The problems with expressing returns in dollars, you don’t know the size of the investment for that dollar return and you don’t know the timing of the return. 2. Rate of Return or percentage returns Amount received – Amount invested / Amount invested = $100 / $1000 = . 10 = 10% The rate of return â€Å"standardizes† the dollar return by considering the timing b. (1) Why is the T-bill’s return independent of the state of the economy? Do T-bill’s promise a completely risk-free return? Beta coefficients are the weighted average of its individual securities’ betas. You will add each securities beta to find the portfolio’s beta. i. Suppose you have the following historical returns for the stock market and for the company P. Q. Unlimited. Explain how to calculate beta, and use the historical stock returns to calculate the beta for PQU. Interpret your results. See attached. Calculate betas using historical data. A regression line is fitted through the points of the market returns (x-axis) and company’s returns (y-axis) and the slope of that line provides an estimate of the stock’s beta.

Marijuana Legalized: How It Can Positively Effect Our Society Essay

The dispute over the legalization of cannabis sativa, more commonly known as marijuana, is one of the most controversial issues ever to take place in the United States. Its use as a medicine has existed for thousands of years in many countries across the globe. Legalization should be considered despite efforts made by groups who say marijuana is a harmful drug that will increase crime rates and lead users to other more dangerous substances. The legalization of marijuana can improve our society by helping with our economy, freeing legal resources, and benefiting the overall health of the nation though medical uses. Helping the Economy Our economy in America is hurting right now. We need something to help boost it and bring our country out of debt. Taxation on legalized marijuana could help aid in this goal. Assuming the taxes are comparable to tobacco, a $40 billion marijuana market would yield about $16-20 billion in taxes (Nelson, 2010, para. 24). There are worries that the black market will undercut the legitimate sales of marijuana, which might be very true, the same thing has happened with tobacco. Having the security of knowing where the marijuana is coming from and that it was grown without harmful chemicals, altered by a third party, and knowing it is a quality product is a deterrent to black market purchases. Marijuana would also still be illegal to purchase from the black market. If marijuana were legalized it would open up a whole new commerce in industrial hemp farming and the products that are made from it. The products that can be made from hemp number over 25,000 (Hemp Facts, 1997). A few of those products include paper, clothing, rope, fuel, and building materials. Hemp can be cultivated once or in som... ...chool to buy marijuana that it is alcohol because alcohol is controlled and age restricted. Since 2001 marijuana use in high school students has gone down (Marijuana - InfoFacts – NIDA, 2010). If marijuana is controlled the same way I believe that its use will only reduce further. People should make their own decision if they want to smoke marijuana. They deserve the right to exercise their own freedom of choice when considering using marijuana. It should be taxed and regulated to help our country’s economy and it will open up a whole new industry for hemp products. Legalization will help free up money and resources to focus on more serious crimes. Its medicinal properties help people with various types of illnesses and pain from injuries. Further research and studies will only open up more uses for cannabis. Its benefits far outweigh its negative effects.

Resource Identification

Learning is a process that can be difficult or easy, depending on two main variables; the student and the available resources. These resources determine the learning curve of the student. Even if the student is intelligent and the learning tools are not sufficient, things may become difficult. Students should be able to get help whenever a difficult situation arrives. Easy access to these tools is key component for the success of students. The most beneficial resources are detailed in this paper. APA Information and Samples. The first and one of the most beneficial resources available is the APA Information and Samples section in the Center of Writing Excellence (Apollo Group Inc, 2008). The APA Sample Paper is an excellent guide for students who need information on how to format their paper. This sample paper can prove useful when students are in the process of writing their paper and want to find out how to format according to APA, how to use citations and how to provide references. The APA Reference and Citations document illustrates â€Å"in-text citations and references for books† (Apollo Group Inc, 2008) and other sources. Citation examples are readily available for reference. Before starting a paper, students are encouraged to use the ‘APA Title Page Template’. The template is properly formatted and students can get started immediately. All these APA resources can prove to be very helpful. Center for Writing Excellence A large variety of tools are provided to students in order to improve their writing skills. Some of these tools are new features that are designed to be used repeatedly. ‘My Papers’ is a place where reviewed papers are stored for students. The following four resources are the primary features of ‘Center of Writing Excellence’. WritePointSM. WritePoint is a tool that finds grammar mistakes and provides feedback by â€Å"inserting comments into the text of a paper† (Apollo Group Inc, 2008) where required. This greatly reduces the chances of committing grammatical errors. This tool is very easy to use and has very short return time. Students can submit multiple drafts until they are satisfied with the result. Tutor Review. Tutor review is a much more comprehensive tool that is used to obtain feedback on â€Å"format, grammar, organization, punctuation, and usage† (Apollo Group Inc, 2008) of the submitted paper. This service has a longer return time and is used near the start or middle of the study week. Students can use this feature to improve their writing. Plagiarism Checker is by far the most important tool in eliminating ‘Accidental Plagiarism’. It points out necessary adjustments to â€Å"citations and quotation marks using APA format or rewrite their papers using original material† (Apollo Group Inc, 2008). Students should use this tool at least once before submitting the paper. Tutorials and Guides. â€Å"The Tutorials and Guides section is designed to help students improve grammar and writing skills† (Apollo Group Inc, 2008). The main resources include tutorials for Grammar, Plagiarism and English Language Learners (Apollo Group Inc, 2008). The use of these resources in combination with WritePoint and Tutor review helps students obtain greater insight on writing at graduate level. Students should use these resources whenever they get a chance. University Library Meritus University has excellent resources under the library section. The search tool provided is powerful and when used correctly, it can give large number of hits. It provides the convenience of doing research from the comfort of own study room. eBooks The eBooks section contains a wide range of textbooks that students can access anytime for reference. These eBooks can prove to be helpful for students who need to roam outside the course material to find what they are looking for. Classroom. All the information required for the course is under the materials tab. The Main folder under the discussion tab is important for sharing ideas, working together and feedback from the instructor. The whole classroom experience is very interactive. Conclusion The above mentioned resources are designed to make the learning process easier. Students would use these resources whenever they require quick help without going to the instructor or classmates. With sufficient practice these tools can prove to be very useful. References Apollo Group Inc. (2008). Grammar and Writing Guides. Retrieved August 2, 2009, from https://mycampus.meritusu.ca/staticfiles/aapd/grammar2/tutsandguides1.aspx Meritus University. (2009). Center for Writing Excellences. Retrieved August 2, 2009, from https://mycampus.meritusu.ca/classroom/ic/cwe/home.aspx Meritus University. (2009). University Library Home Page. Retrieved August 2, 2009, from http://www.apollolibrary.com/LibraryNew/library.aspx Meritus University. (2009). eBook Collection. Retrieved August 2, 2009, from https://mycampus.meritusu.ca/content/eBookLibrary2/content/home.aspx Meritus University. (2009). Integrated Classroom. Retrieved August 2, 2009, from https://mycampus.meritusu.ca/classroom/ic/classroom.aspx

Terrorism and Morality Essay - 1032 Words

Terrorism and Morality In the wake of the Sept. 11 attacks of 2001 and the U.S. military action in Afghanistan, moral questions have arisen. This essay will consider such questions. Many Church leaders and leading thinkers in the United States have strongly defended the U.S. use of military force in the wake of Sept. 11. Yet outside the States the talk is less about just-war and more about economic and social inequalities. The first and overriding inequality Americans face at the moment is this one: The real murderers, the architects of these murders, are alive and determined to kill again, while the murder victims have been robbed of their lives, their futures, their hopes, dreams and families. More than 5,000†¦show more content†¦I don ´t really know. Outsiders have an emotional and intellectual distance from these events that Americans don ´t share. Americans are trying hard to root their actions in their faith and in their commitment to the larger Church. We Christians listen very carefully to what the Holy Father has to say because he ´s the Successor of Peter and because he has lived through terrible suffering himself. He has a double credib ility -- his teaching office, and the witness of his personal experience. Many say that the Afghan refugees ´ suffering has changed the justification for the war. Is it justified to continue bombing the Afghan cities given that already a number of noncombatants have died due to mistakes in targeting? It should be remembered that the Afghan refugee problem existed long before Sept. 11. Looking back, the United States made a very serious moral error in helping the Afghans against the Soviets but then simply walking away from the country when the Russians were defeated. In effect, we used the Afghans as a Cold War weapon and then discarded them. Now we ´re dealing with the consequences. But the factionalism, killing and refugee problems in Afghanistan preceded American involvement, and the chaos since 1989 cannot be laid exclusively, or even primarily, at America ´s doorstep. Certainly the world ´s wealthy Muslim countries have not seemed to distinguish themselves in solvingShow MoreRelatedMorality Of Terrorism And Terrorism1669 Words   |  7 PagesMorality of terrorism The modern-days terrorist sees himself as being engaged in a just war, where they believe that such act of vile impunity are just and noble. Any act of terrorism could considered absolved from of point view of freedom. So the use of excessive violence in such acts could be subject to moral analysis. The causes of terrorism, although social and political, have intensely moral elements. 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Several scholars and politicians have either widely sustained or contested both issues. In my opinion, torture does not ensure success in fighting terrorism while it inflicts unbearable sufferance. I provide six arguments to demonstrateRead MoreThe United States War On Terror1158 Words   |  5 Pagesregion, but were instead united by an ideal. September 11 marked the first time in which terrorism would rise to the forefront of the nation’s agenda. This emergent wave of conflict required a different strategy than the those of the past because of the unorthodox nature of the opponent. One of the major innovations fostered by the â€Å"War on Terror† was the expansion of torture. The dramatic rise in terrorism sparked the unethical advancement of interrogation techniques in order to more effectivelyRead MoreThe Strategic Logic of Suicide Terrorism by Pape, Bloom, and Horowitz 1429 Words   |  6 Pagesâ€Å"Terrorism involves the use of violence by an organization other than a national government to cause intimidation or fear among a target audience;â₠¬  at least, this is how Pape (2003) defines terrorism in his article â€Å"The Strategic Logic of Suicide Terrorism† (343). The goal of this article by Pape is to discuss suicide terrorism and how it â€Å"follows a strategic logic, one specifically designed to coerce modern liberal democracies to make significant territorial concessions† (343). Similar to Pape,Read MoreProblems with Ethiopia’s Unofficial Cyber Espionage Essay1038 Words   |  5 PagesRights - Article 19 Freedom of Expression. The purpose of this paper will address problems with Ethiopia’s unofficial cyber espionage and evaluate the effects this has on journalist Article 19 freedom of expression is violated. Ethiopia’s Anti-Terrorism Proclamation are explained along with The International Covenant on Civil and Political Rights which includes Article 19 and how both are used in journalism. The Ethiopian Constitution will show that the culture of the people understands freedomRead MoreRelativism and Morality871 Words   |  4 PagesRunning head: RELATIVISM AND MORALITY Relativism and Morality Rodney L. Cotton SOC 120 Robert Neely February 21, 2011 Relativism and Morality In the article, â€Å"Some Moral Minima,† Lenn E. Goodman raises the question, â€Å"if it is true that no norm can be made absolute unless some other is compromised, are there no rules that tell us that principles are principles – no norms delineating concretely, and uncompromisingly, wrong from right?† (Goodman, 2010) Goodman goes on to state that the