The outcome for Chapter 14.3 states that “Regression analysis is a statistical tool that is used for two main purposes: description and prediction.”
Based on the outcome, provide a current event of a business application using regression analysis for decision making.
Be sure to respond to at least one of your classmates’ posts. Cite any resources used.
Long-Term Care Facilities: Services, Successes, and Failures
Many services are available to help seniors stay in their homes. These services are increasing in popularity as more seniors are choosing community care over institutionalized care. Two main services that assist seniors in this area are adult day care and home health care.
Find out an adult day care and a home health care in your vicinity or using the Internet.
Based on the knowledge gained from your research, respond to three of the following questions:
Adult day care programs began more like a social model; however, over time, they have developed as a medical model. Do you agree or disagree? Why?
Adult day care is being described as gap filler between institutional and non-institutional care? Do you agree or disagree? Why?
What population comprises the largest group receiving care in adult day care programs? Why?
Do you think receiving patients with more medical problems has impacted adult day care services? Why? How has this effected staffing?
Which success factor has had the greatest impact on the cost-effectiveness of health care services? How?
What impact has home health care had on the quality of life for consumers? Provide examples to support your answer.
Is there a time when home health care and adult day care is no longer appropriate for a senior? What criteria are used to establish this?
FUTURE TRENDS IN HEALTHCARE
For our first week’s assignment go to our Library’s LIRN database.
Log on the library and then use the databases called PROQUEST and STATISTA, where you can find all kinds of articles, statistics and reports.
Write a minimum 2 page (excluding the title and references page), research paper discussing the trends in Health care in the United States, look for recent articles that talk about health care trends that will be coming up in the future.
To be more clear don’t use an article from 2011 or 2015 that talks about what’s coming up….., look for recently published articles.
Also on Statista you can find all kinds of Statistics and reports.
Use APA 7 Format for your paper and list your references.
Do not use google to find articles, please use only our Library’s databases.
Submit your answer to each of the problems and show the calculations you used to arrive at the answer. You must show calculations to receive credit.
Salinas Corporation has net income of $15 million per year on net sales of $90 million per year. It currently has no long-term debt but is considering a debt issue of $20 million. The interest rate on the debt would be 7%. Salinas currently faces an effective tax rate of 40%. What would be the annual interest tax shield to Salinas if it goes through with the debt issuance?
Carbon8 Corporation wants to raise $120 million in a seasoned equity offering, net of all fees. Carbon8 stock currently sells for $28.00 per share. The underwriters will require a fee of $1.25 per share, and indicate that the issue must be underpriced by 7.5%. In addition to the underwriter’s fee, the firm will incur $785,000 in legal, administrative, and other costs. How many shares must Carbon8 sell in order to raise the desired amount of capital?
FM Foods is evaluating its cost of capital. Use the following information provided on December 31, 2017, to estimate FM’s after-tax cost of equity capital.
Yield to maturity on long-term government bonds: 4.4%
Yield to maturity on company long-term bonds: 6.3%
Coupon rate on company long-term bonds: 7%
Historical excess return on common stocks: 6.5%
Company equity beta: 1.20
Stock price: $40.00
Number of shares outstanding (millions): 240
Book value of equity (millions): $5,240
Book value of interest-bearing debt (millions): $1,250
Tax rate: 35.0%
– Company A has a return on assets of 4% and a return on equity of 15%, while company B has a return on assets of 4% and a return on equity of 10%. Is company A more likely to be a better investment for shareholders than company B? Under what circumstances would you prefer to be a shareholder of company A?
Add a new discussion topic
– – response should be a minimum of two paragraphs and should be between 200 and 250 words. The font is Times New Roman, font size should be 12, and the paragraphs are single-spaced. There should be a minimum of one reference supporting your observations. Citations are to follow APA 7.0.
You work for SunRize, an organic sports drink company, and you have been asked to do a competitive analysis to see where your company’s product compares to Gatorade sports drinks.
Based on your findings write a 1 page (minimum) comparing the competitors that you researched. Be sure to appropriately cite your sources of information.
United States v. Hansen
Click here to access the assigned case.
Be sure to save an electronic copy of your answers before submitting it to Ashworth College for grading. Unless otherwise stated, you should answer in complete sentences, and be sure to use correct English, spelling, and grammar. Sources must be cited in APA format.
Your response should be a minimum of four (4) double-spaced pages; refer to the Length and Formatting instructions below for additional details.
In complete sentences respond to the following prompts:
Summarize the facts of the case;
Identify the parties and explain each party’s position;
Outline the case’s procedural history including any appeals;
What is the legal issue in question in this case?
How did the court rule on the legal issue of this case?
What facts did the court find to be most important in making its decision?
Do you agree or disagree with the court’s decision? Provide an explanation for your reasoning either agree or disagree.
Length4 pages, typed, double spacedFont12 point, Times New Roman or Calibri FontProgram/File TypeSubmit through the assignment textboxAttachmentsShould be pasted into the Word document if possible.Referencing systemAPA referencing system is necessary in assignments, especially material copied from the Internet.
For examples of correct citations, visit the following links:
In a Microsoft Word document, write a minimum of two double-spaced pages where you establish three professional and lifelong learning goals that you are planning in detail to achieve once you’ve completed college (25 points each).
Explain in detail your Action Plan for achieving three professional growth and lifelong learning goals. Your Action Plan could include, for example, descriptions of new or updated skills you will acquire, specific training courses, certificates, licenses, digital badges, or advanced degrees. Your Action Plan could also include which professional associations you will join; subscriptions to which industry journals, publications, webinars, and/or podcasts you will join; professional conferences as an attendee or presenter; or other opportunities for professional growth and lifelong learning. You might also include your goals for mentorship and succession planning.
Check your writing for correct spelling, grammar, punctuation, and word usage.
Submit your Professional Growth and Lifelong Learning Action Plan as a Microsoft Word document named ActionPlanLASTName.docx.
Question 1 (5 marks | Word limit: 100 words)
LO1: Identify, analyse and evaluate personal and small business tasks.
Explain each of the four (4) risk categories listed below and contrast each with its ‘paired risk’, including the provision of an example.
(a) pure vs speculative risks (2 marks)
(b) diversifiable vs non-diversifiable risks. (2 marks)
(c) examples of each risk (1 mark)
Pure vs speculative
diversifiable vs non-diversifiable
LO4: Undertake financial planning duties while giving consideration to ethics and the legal and regulatory responsibilities owed by the planner and the planner’s organisation to your clients and other stakeholders.
Briefly explain the consumer protection laws as they apply in the context of providing financial advice about insurance in Australia. Use examples of situations in which Consumer Laws may be called upon by clients to illustrate your answer.
Roberto is a professional, white-collar client and comes to you looking for advice on life, TPD and trauma insurance. Roberto has no significant medical history, no hazardous activities and a perfect family history; however, he has had an issue with recreational drug use in the past. What is the relevance of family health history, personal health history, occupation and a history of drug use to the underwriter when assessing an application for life insurance? (5 marks)
(b) If an underwriter is experiencing underwriting losses, what will the effect of continuously increasing premiums be on policy retention and risk concentration? (5 marks)
You have just met with a new client who has been referred to you for advice on her life insurance needs and has completed a fact find with the following information.
Courtney is age 38 and has one dependant child — her son, Frances, who is 10. She works as a commercial artist and earns a salary of $90,000 p.a. Her employer pays 9.5% superannuation guarantee contributions into its default superannuation fund, which has a current balance of $100,000. Courtney has no personal insurance cover (although her superannuation fund offers life, TPD and salary continuance insurance options).
After her husband died a year ago, Courtney used his life insurance payout to reduce debts to a more manageable level. She and Frances still live in their family home (estimated value $900,000). There is a remaining mortgage of $250,000. Courtney also has a car loan of $10,000 and credit card with a limit and current balance of $5,000. There is $60,000 in a cash management account, which is a combination of the remaining life insurance payout and Courtney’s savings towards Frances’s secondary school fees.
You have learned that Courtney’s goals are as follows:
• Courtney has confirmed she only wants advice on life insurance at this stage but is happy for you to provide her with information on other types of personal insurances she might consider later on.
• On her death, she would want Frances to inherit the house free of debt and have all of her other debts and any expenses incurred at that time paid. Courtney’s sister would act as Frances’s guardian and move into the house with him. You have discussed and agreed on an allowance for funeral expenses ($15,000), final medical expenses ($20,000), tax and legal costs ($15,000), and an emergency fund ($20,000).
• In two years’ time, Frances will attend a private secondary school for five years and university after that for three years (allowing $16,250 p.a. for this).
• So that Frances will not be a financial burden on Courtney’s sister, she wants to make provision for an annual living cost amount for Frances of $26,000 until he completes university.
• Courtney does not want you to include the $60,000 cash in your calculations but is happy for the superannuation balance to be included as an asset that could be used to pay out debt or provide for Frances.
(a) (i) What full lump sum life cover would be appropriate for Courtney? Ensure you provide full substantiation of your calculations. You do not need to apply a discount for future values. (11 marks)
(ii) Outline the premium strategy that would be most appropriate for Courtney and in substantiating your answer, ensure you provide the advantages and disadvantages of the different premium options available (premiums are not required to be calculated or shown). (5 marks)
(iii) What other personal insurance advice would you provide to Courtney? (9 marks)
(b) Outline the step-by-step process of how you would present and implement this advice with Courtney. This includes your client engagement, compliance and legislative requirements as well as the underwriting process. (10 marks)
For the following three life insurance contracts, identify if the premiums are tax deductible and for whom, and if any benefits paid are tax assessable and for whom:
(i) a term life insurance policy owned and purchased by the insured (1 mark)
(ii) an income protection owned by an insured with their employer paying the premium (1 mark)
(iii) a trauma policy owned and paid for by the insured (1 mark)
Note: specific tax rates are not required.
(b) When considering different types of business owners insurances, in what situations are premiums not tax deductible? Use an example to illustrate your answer.
Question 1 (90 marks | Word limit: 1200 words)
Read two (2) or more of the articles listed below and answer the following two (2) questions:
(a) Evaluate the empirical evidence and arguments for and against the efficient market hypothesis (EMH), drawing on your knowledge, independent research, the theoretical perspectives and evidence presented in two (2) or more of the articles. (50 marks)
(b) Analyse the usefulness and possible applications of the EMH in the provision of investment advice, taking into account the evidence presented in two (2) or more of the articles. (40 marks)
Articles on EMH
The following articles are available in the databases in the Kaplan Library in KapLearn. The relevant database is specified in the reference.
• Easton, S & Kerin, P 2010, ‘Market efficiency and the global financial crisis’, The Australian Economic Review, vol. 43, no. 4, pp. 464–468, viewed 12 July 2019, EBSCOhost database available within the OpenAthens portal in the Kaplan Library.
• Holton, L 2009, ‘Is Markowitz wrong? Market turmoil fuels non-traditional approaches to managing investment risk’, Journal of Financial Planning, vol. 22, no. 1, January, pp. 20–29,, viewed 12 July 2019, EBSCOhost database available within the OpenAthens portal in the Kaplan Library.
• Livanas, J 2006, ‘How can the market be efficient if investors are not rational?’, JASSA, issue 2, winter, pp. 24–28, viewed 12 July 2019, ProQuest database available within the OpenAthens portal in the Kaplan Library.
• Malkiel, BG 2003, ‘The efficient market hypothesis and its critics’, Journal of Economic Perspectives, vol. 17, no. 1, winter, pp 59–82, viewed 12 July 2019, EBSCOhost database available within the OpenAthens portal in the Kaplan Library.