Q1 (Brumsey) Personal Financial Goals and Planning

After reviewing the supplemental materials on personal financial planning, identify your top three financial goals. For each goal:

1. Frame it using the SMART criteria (Specific, Measurable, Achievable, Relevant, Time-bound)

2. Explain why this goal is important to you and how it aligns with your personal values

3. Outline 2-3 specific steps you plan to take to achieve this goal

4. Identify any potential obstacles you might face and how you plan to overcome them

5. Describe how economic factors (such as inflation, interest rates, or tax policies) might impact your ability to achieve this goal

Part 2: Financial Planning Process

Briefly explain which step in the personal financial planning process you find most challenging and why. How might you address this challenge?

Q2 Brumsey

Homework Problems (show your calculations)

Time Value of Money Calculations

1. If you invest $46,000 today at an annual interest rate of 9%, what will be the value of your investment after 1 year?

2. You have a home currently valued at $260,000. If real estate in your area appreciates at an annual rate of 14.9%, what will be the estimated value of your home after 1 year?

3. Calculate the future value for each of the following financial scenarios using the appropriate time value of money tables (Exhibits 1-A through 1-D): a) A single deposit of $550 invested for 15 years at 3% interest compounded annually. b) Annual deposits of $900 invested for 10 years at 8% interest. c) A single amount of $1,000 to be received 5 years from now, discounted at 5% interest. d) Annual withdrawals of $500 for 10 years at 7% interest.

4. You will receive $12,000 in 5 years. If the discount rate is 4%, what is the present value of this future amount?

Case Analysis: The Blake Family Financial Situation

Read the following case study and answer the questions below:

Case Study: The Blake Family

Fran and Ed Blake are in their mid-40s with two children currently in high school. They own a modest home with a mortgage and both work full-time. Recently, Fran’s mother has moved into a long-term care facility, adding to their financial responsibilities. The couple is concerned about balancing their current expenses with saving for their children’s college education and their own retirement.

Questions:

1. What are the key financial challenges facing Fran and Ed Blake?

2. What additional information would be helpful to better understand the Blakes’ financial situation?

3. What actions should the Blakes consider to address their financial challenges?

Q3

Ministère de la Culture. (n.d.).  Lascaux . https://archeologie.culture.gouv.fr/lascaux/en.

· Review the  Lascaux resource. Scroll down the webpage to read about how the paintings were “found.” Scroll back to the top and take the guided tour of the cave paintings. At any point, you can click on the lower left corner of the tour for more information about each of the walls and the images on them. Within each information panel, there is additional information for the images. 

· Pick an image that interests you. The Shaft or the Left Wall Unicorn panel have some intriguing images. 

· Read the information for your chosen  Lascaux image.

· Select a significant object and find a way to share it digitally. This can be a URL/web address to a site where you can view it or listen to it if it’s a song, or you can take a picture of it and upload it to the Discussion. 

Part 1

In the first paragraph, write 100–150 words on the following:

· Describe the image you selected from the  Lascaux caves. Include the title, where in the caves the image can be found, and the approximate age. 

· If you were the artist, what message would you hope future viewers would get from your painting? Why would you have created the image?

· Describe your impression of the world the image portrays.

Part 2

In a new paragraph, write 100–150 words on the following:

· Describe your chosen significant object, including the artist or maker (if they are known to you), where the object can be found, and when it was made. If it is a painting or a photograph, describe the use of color, line, shadow, and style of the image. If it is a song, describe the melody, musical genre, and performance. 

· Include an image or link to the object or medium.

· Explain how this object represents a part of your academic journey or connects to your professional goals for the future. Also explain what message it would convey about you as a Walden student to future viewers.

Q4 (vaeh)

what are your thoughts about how Katrina has impacted the word of Emergency Management and how people think of the ability of leaders to keep communities safe. Give an example or story that particularly had an impact on you about the disaster 

Q5

Managers must achieve the difficult balance between loyalty to the organization and fidelity to their personal ethic and professional integrity. How far should a manager go in following the crowd or in standing alone?”.  Address this question with details and supporting/opposing opinions.

Q6

· What citation style does your program of choice (healthcare admin) use?

· After researching this citation style, what types of challenges will you face when using this citation style?

· How does collecting other people’s research help when trying to synthesize information for your own academic endeavors (CO8)?

· What are the ethical ramifications of not quoting, citing, or referencing other people’s research in your academic work (CO4)? 

Q7

What does it mean to say that race is socially constructed? In what ways does the idea of race impact systems of privilege and inequality in modern society? Incorporate theoretical concepts from the readings in your analysis of race and ethnicity.

Q8

Linear Kinetics: The Study of Motion

Select a movement and identify the forces that cause motion. Apply each of Newton’s 3 laws of motion to your movement.

Q9

Read a book you have chosen. What crisis did the author depict that requires action? What solutions did the author propose – if any? What did you learn? What impact will it have on emergency management and homeland security? On your profession? On society?

Q10

An important law in economics is the “Law of Diminishing Marginal Utility”.  Discuss what this law is and provide  an example of diminishing marginal utility you’ve encountered recently.

Q11

Voice has been traditionally carried by the circuit-switched PSTN. In VoIP, voice is packetized into IP packets and carried over the Internet. Several computer-to-computer VoIP systems (e.g., Google Talk and Skype) offer free voice services nationally and internationally.  It’s likely that voice service on newer smartphones will be solely on VoIP. Therefore, VoIP is having a profound impact on the PSTN/cellular systems, as it seems to be slowly killing traditional voice over the PSTN and probably over the cellular system. Will the legendary PSTN be phased out?

Discuss the current state of VoIP, its impact on the PSTN and cellular systems, and prediction of its future.  

Q12

While most people can identify the issues affecting American families, not many people understand what goes into the development of family policy, let alone agree on what the role of government should be regarding families. Based on your experience and what you learned this week, what are the principles that should guide the development of family policy? Please share your “take away” from the reading this week. For example, did you learn anything new or did anything surprise you? Feel free to use outside scholarly sources to complete this discussion as well.

Q13

ease make sure that your discussion includes this information.

1. Identify the stage of child development and why you are interested in this age

2. Identify a key developmental milestone in one of the domains (physical, cognitive, social, or language) and explain why this milestone is important. Explain what behaviors you may see if this was an area of difficulty for a child.

3. Discuss in appropriate detail 2 to 3 resources or ideas that you would recommend to a parent to help them and how it will be helpful to them.

Q14

1-How is social learning linked to academic learning?

2-How are schools providing for social development for children?

3-What are notable issues on gender-role development in society today and how are we as a family and society reacting?

Q15

To wrap up our class, pick two of the following issues (or you may choose other issues that we have discussed throughout this semester), and based on what you’ve learned, summarize the impact those issues have on children and what can be done to minimize the damage. 

· Divorce

· Single Parenting

· Step Families

· Domestic Violence

· Death of a Parent

· Death of a Child

· Addiction

· Taking care of Elderly Parents

Please also share a few “take-away” elements of the course that added to your understanding of  Family Development. (Be thorough, thoughtful, and specific in your post.)Think about what stood out to you during the semester.

Q16

One of the most famous psychological experiments of all time, was conducted by Dr. Philip Zimbardo and his colleagues at Stanford University. To read more of the details of this experiment, visit  http://www.prisonexp.org. Take some time to watch the video on the Zimbardo Prison Experiment by clicking here. After reading about the experiment, exploring the website and watching the video, answer the following: 1. Based on what you have read and watched, discuss whether or not you think it was ethical to do the prison study in the way that Zimbardo conducted it?  Why or why not?  Explain your position substantively.

2. Share your perspective on what social psychological constructs did the study reveal?

3. Elaborate the discussion on whether you think the same information would have been learned if the study had been conducted differently? Keep in mind the date and environment of the study!  If yes, how would you adapt the study to address ethical concerns and still obtain results relevant to our understanding of behavior in social settings? 4. Share your perspective on how the social psychology concepts of conformity and the power of the social situation that we are studying this week relate to what happened during the brief period of time that the prison study ran.  NOTE: Identify where in the description of how the study unfolded did we see evidence of these concepts?

Q17

PART I:

Young athletes participate in and discontinue sport programs for a variety of reasons. Stress can also significantly affect a young athlete’s sport participation. Addictive behaviors can influence both participation and performance. In this activity, you’ll reflect on your childhood youth sport experiences and determine what factors played a role in your decision to participate in and/or discontinue participation in a youth sport program. PART II:

Stress and addictive behaviors can have a significant impact on youth sport participants. To help them cope with stress and/or addictive behaviors, you can adapt and use several anxiety-reduction techniques that are relevant for children. Identify and explain three (3) anxiety-reduction techniques. Identify each of the anxiety-reduction techniques presented within your initial discussion in  BOLD font.

Q18

· What are  THREE things you know about the  audience that will impact how you plan your writing of this message? Consider the following:

· What do they know about the topic?

· What are their feelings about the topic or the company/author?

· What in the message will benefit the audience?

· What do they need to know?

· What do they want to know?

· What questions will they have?

· What should they believe, feel, or do after reading the message?

· What are TWO strategies ( the “you” approach, positive emphasis, one of the Six Cs of Communication, or one type of message formatting, such as bolding, italicizing, etc.) that you will use in the message? Include a sentence or paragraph from your planned message to demonstrate each of the two strategies!

· What is  ONE AI prompt you might use to generate the memo for the Week 4 writing assignment? Even if you do not use AI to write this message (and you are encouraged NOT to use AI), this prompt is for YOU to identify clearly, completely, and concretely what you want to accomplish for your audience in this message. To generate your prompt, include your purpose (to motivate applications for the job), what you know about the audience (part 1 above), and what strategies you want to use (part 2 above).

Q19