Gender Roles: Foundation For Intimacy Men and Women: The Physical and Social Aspects Men and Women: How Do They Differ Some Commonalities Same Fundamental Needs: Survival Self-esteem Intimacy and Growth Some control over lives Need to Achieve Need Recreation Sex and Gender Differences Sex refers to biological identification and characteristics as male and female Gender refers to males and females social creatures Gender role refers to the behaviors associated with being either male or female Ability Aggression Interaction: Quantity and Quality Sex, Gender, Gender Role and Gender Role Orientation Gender roles Traditional gender roles Consequences of traditional roles Gender role orientation Gender Roles: Nature or Nurture How much is biological? The Importance of Nature Socialization and Gender-Role Orientation Body image Family school, The media Changing Gender Roles and Orientations Changing Patterns Lingering Traditionalism Gender role orientation: What differences it make? Communication Self concept Mental health Gender role orientation and intimacy FIN310 Mastery Project PART TWO: Time Value of Money Calculations 1. Suppose you invest $1,000 in this company for 15 years and except to earn 5.5% per year. What is the future value in 19 years? 2. You want to begin saving for a child’s college education, and you estimate that he/she will need $130,000 in 15 years. If you feel confident that you can earn 8% per year, how much do you need to invest today? 3. You are looking at an investment that will pay $3,500 in 4 years if you invest $1,075 today. What is the implied rate of interest? 4. Suppose you are offered an investment that will allow you to double your money in 3 years. You have $8,000 to invest. What is the implied rate of interest? 5. Suppose you want to buy a new house. You currently have $20,000, and you figure you need to have a 10% down payment plus an additional 5% in closing costs. If the type of house you want costs about $150,000 and you can earn 8.5% per year, how long will it be before you have enough money for the down payment and closing costs? 6. Suppose you invest $500 in a mutual fund today and $400 in one year. If the fund pays 7% annually, how much will you have in two years? 7. Suppose you win the Publishers Clearinghouse $20 million sweepstakes. The money is paid in equal annual installments of $571,428.57 over 35 years. If the appropriate discount rate is 6%, how much is the sweepstakes actually worth today? 8. Suppose you want to borrow $35,000 for a new car. You can borrow at 8% per year, compounded monthly. If you take a 7-year loan, what is your monthly payment? 9. Suppose you borrow $2,500 at 6%, and you are going to make annual payments of $785. How long before you pay off the loan? 10. Suppose you begin saving for your retirement by depositing $2,000 per year in an IRA. If the interest rate is 7.5%, how much will you have in 40 years? 11. Calculate the following: a. What is ...

1. Gender Roles: Foundation For Intimacy
Men and Women: The Physical and Social Aspects
Men and Women: How Do They Differ
Some Commonalities
Same Fundamental Needs:
Survival
Self-esteem
Intimacy and Growth
Some control over lives
Need to Achieve
Need Recreation
Sex and Gender Differences
Sex refers to biological identification and characteristics as
male and female
Gender refers to males and females social creatures
Gender role refers to the behaviors associated with being either
male or female
Ability
Aggression
Interaction: Quantity and Quality
Sex, Gender, Gender Role and Gender Role Orientation
Gender roles
Traditional gender roles
Consequences of traditional roles
Gender role orientation

2. Gender Roles: Nature or Nurture
How much is biological?
The Importance of Nature
Socialization and Gender-Role Orientation
Body image
Family
school,
The media
Changing Gender Roles and Orientations
Changing Patterns
Lingering Traditionalism
Gender role orientation: What differences it make?
Communication
Self concept
Mental health
Gender role orientation and intimacy
FIN310
Mastery Project
PART TWO: Time Value of Money Calculations
1. Suppose you invest $1,000 in this company for 15 years
and except to earn 5.5% per year. What is the future value in
19 years?
2. You want to begin saving for a child’s college education,
and you estimate that he/she will need $130,000 in 15 years. If

3. you feel confident that you can earn 8% per year, how much do
you need to invest today?
3. You are looking at an investment that will pay $3,500 in 4
years if you invest $1,075 today. What is the implied rate of
interest?
4. Suppose you are offered an investment that will allow you
to double your money in 3 years. You have $8,000 to invest.
What is the implied rate of interest?
5. Suppose you want to buy a new house. You currently have
$20,000, and you figure you need to have a 10% down payment
plus an additional 5% in closing costs. If the type of house you
want costs about $150,000 and you can earn 8.5% per year, how
long will it be before you have enough money for the down
payment and closing costs?
6. Suppose you invest $500 in a mutual fund today and $400
in one year. If the fund pays 7% annually, how much will you
have in two years?
7. Suppose you win the Publishers Clearinghouse $20 million
sweepstakes. The money is paid in equal annual installments of
$571,428.57 over 35 years. If the appropriate discount rate is
6%, how much is the sweepstakes actually worth today?
8. Suppose you want to borrow $35,000 for a new car. You
can borrow at 8% per year, compounded monthly. If you take a
7-year loan, what is your monthly payment?
9. Suppose you borrow $2,500 at 6%, and you are going to
make annual payments of $785. How long before you pay off
the loan?
10. Suppose you begin saving for your retirement by
depositing $2,000 per year in an IRA. If the interest rate is
7.5%, how much will you have in 40 years?
11. Calculate the following:
a. What is the APR if the monthly rate is 0.8%?
b. What is the APR if the semiannual rate is 0.6%?
c. What is the monthly rate if the APR is 17% with monthly
compounding?
12. Suppose the following:

4. a. Suppose you can earn 1% per month on $1 invested today.
How much are you effectively earning?
b. Suppose if you put it in another account, you earn 3% per
quarter. What is the APR? Effective Rate?
13. Consider a bond with a coupon rate of 9% and coupons
paid annually. The par value is $1,000 and the bond has 5 years
to maturity. The yield to maturity is 11%. What is the value of
the bond?
14. Assuming dividends grow at a constant rate, use the
Dividend Growth Model to compute how much you think your
company stock should be selling for. Explain where you got the
variables for your equation.
15. Use the CAPM to find your required rate of return.
FIN310
Mastery Project
PART FOUR: Cash, Budgeting, and Working Capital
Management
The Norton Company produces a product that has the following
sales expectations for 2007:
Month
Sales ($)
May
150,000
June
150,000
July
300,000
August
450,000
September
600,000
October

5. 300,000
November
300,000
December
75,000
January,
150,000
February
170,000
March
180,000
Of these sales, 5% are collected during the month, 70% are
collected the next month, and 25% are collected in the third
month.
The company is in the process of developing the cash budget for
July through December. The company has the following
monthly expenses:
Administrative cost $50,000
Lease Payment $10,000
The wage rate for labor is $7.50 per hour, and sales people
receive a commission of 8% of sales. It has been determined
that each dollar of sales requires 2 minutes of labor. This labor
is done for 10% of the sales three months away, for 80% of the
sales two months away, and for 10% of sales one month away,
and no labor is spent on the current months sales. Commission
is paid during the month the sale is made. Of the total wage bill
for a month, 80% percent is paid during the month and 20% in
the following month.
The company will receive $2 million in October from the sale of
securities and will make a $2 million progress payment on a
new plant in November. In addition, in September and
December the company will make a $50,000 installment
payment on taxes. After the sale of securities, the company will

6. be required to make monthly interest payments. The securities
carry a 9.125% annual interest rate.
The inventory the company purchases represents 60% of gross
sales. In order to have proper inventory, the company in any
month purchases 65% of next month sales, 25% of the sales 2
months hence, and 10% of the current month's sales. In
addition, the company keeps a safety stock equal to 15% of the
average sales for the next three months. Ten percent of the
inventory purchases are paid for in the current month, with the
remainder being paid in the following month.
The company has a policy that a minimum of $50,000 must be
kept on hand at the end of month. The excess is invested in 30-
day marketable securities yielding 7% annually. Shortages are
borrowed at 9% annually and repaid as soon as possible. At the
end of May, the cash balance was $110,000, of which $60,000
was invested in a 30-day security.
1. Prepare a cash budget using Microsoft Excel. The final
budget must be pasted into Microsoft Word.
2. The company has always had very weak sales in the w inter
months. This time the sales manager is convinced that he
can improve the sales in December, January, February, and
March by 50%, 40%, 40%, and 40% respectively.
a. What impact does this have on the cash requirements of the
company?
b. Rerun your model. Explain what happens.
FIN310
Mastery Project
PART THREE: Capital Budgeting
1. The company has 2 proposed projects. Here are the projects’
net cash flows (in thousands of dollars). The CFO has
determined the weighted average cost of capital to be 10

7. percent.
Expected Net Cash Flow
Year
Project L
Project S
0
($100)
($100)
1
35
60
2
75
75
3
150
125
4
50
100
a. What is the payback period for projects L & S?
b. What is the net present value (NPV) of each project?
c. What is the internal rate of return (IRR) for each project?
d. What is the modified internal rate of return (MIRR) for each
project?
e. Which method is the best? Why?
2. Suppose you have predicted the following returns for stocks
C (Your Company) and T (Your Competitor) in three possible
states of nature. What are the expected returns?
State
Probability
C

8. T
Boom
0.2
0.13
0.30
Normal
0.5
0.12
0.17
Recession
0.3
0.04
0.02
3. Suppose you hold a 2-stock portfolio of the company you
picked and the competitor.
a. Compute the rate of return for the 2 stocks for the year.
b. If your portfolio was made up of 40% of the stock you picked
and 60% of the stock of the competitor, what was the rate of
return on the portfolio for the year 2005?
4. Consider an asset with a beta of 1.2, a risk-free rate of 4.3%,
and a market return of 12%.
a. What is the reward-to-risk ratio in equilibrium?
b. What is the expected return on the asset?
5. Using the Dividend Growth Approach, suppose that your
company is expected to pay a dividend of $1.25 per share next
year. There has been a steady growth in dividends of 5.1% per
year and the market expects that to continue. The current price
is $29. What is the cost of equity?
6. Suppose your company has an equity beta of .62 and the
current risk-free rate is 4.1%. If the expected market risk
premium is 9.6%, what is your cost of equity capital?

9. 7. Your company has preferred stock that has an annual
dividend of $2. If the current price is $20, what is the cost of
preferred stock?
8. Answer the following questions given the information below:
Equity Information
40 million shares
$100 per share
Beta = 1.15
Market risk premium = 8%
Risk-free rate = 3%
Debt Information
$1 billion in outstanding debt (face value)
YTM = 9%
a. What is the cost of equity?
b. What is the cost of debt?
c. What is the after-tax cost of debt?
d. What are the capital structure weights?
e. What is the WACC?
FIN310
Mastery Project
PART ONE: Financial Statement Analysis
1. List your company name and the ticker symbol it is traded
under
2. Briefly describe this company. What market is it in? What
products does it produce, and most importantly, who are its
major competitors?
3. Locate the Balance Sheet and Income Statement for your

10. company. Do the same for one of its competitors. A copy of
these statements must be included in your final project.
4. There are three parts to this task:
a. Perform a ratio analysis for these 2 companies, using the
ratios listed below and the following template.
Ratio
Company
Competitor
Current Ratio
1.3
1.45
Etc.
b. Produce a Common-size balance sheet and income statement
for your company and its competitor.
c. Discuss any major differences in what you see in the various
ratios between one company and another. More importantly,
discuss what might be the cause of these differences.
Copyright @2012 by The McGraw-Hill Group of Companies
Inc. All rights Reserved.McGraw-Hill/Irwin
DIVERSITY IN
FAMILIES

11. CHAPTER 2
2-2
What Is Family?
• A group united by marriage,
cohabitation, blood, and/or adoption in
order to satisfy intimacy needs and/or to
bear and socialize children.
2-3
Variations in Families
• Single parent families
• Racial and ethnic minority families
• Same-sex families
2-4
Challenges of the Single-Parent
Family

12. Challenges of Single Parents
Challenges of Children of Single Parents
Problems between Parents and Children
2-5
Racial and Ethnic Minority
Families
• The African-American Family
• The Hispanic Family
• The Asian-American Family
• The Native American Family
• The Interracial Family
2-6
Children Living With One Parent
Sources: U.S. Census Bureau 1994:66; 2010a.
2-7

13. Percent of People Below
the Poverty Level: 2007
Source: U.S. Census Bureau 2010b.
2-8
Households by Race, Hispanic Origin,
and Type: 2009
Source: U.S. Census Bureau 2010a.
2-9
Marital Status of the Population,
by Race: 2008
Source: U.S. Census Bureau 2010a.
2-10
Families with Same-Sex Parents
• Same-sex couples are the heads of
nearly 754,000 households in the

14. United States
• Some states have passed laws
expressly forbidding same-sex
marriages.
2-11
Families with Same-Sex Parents
• Whereas some states have gone a
different direction: In 2004, the
Massachusetts Supreme Court declared
that gays have the right to nothing less
than marriage.
2-12
Gay, Lesbian, and Heterosexual
Parents
• A national study of gay and lesbian
parents found more similarities than

15. differences between them and
heterosexual parents.
2-13
Gay, Lesbian, and Heterosexual
Parents
• They found that gay and lesbian parents
had, in a number of areas, more
positive child-rearing practices:
compared to heterosexual parents, they
were more responsive to their children,
more child oriented, and more
egalitarian in sharing household tasks
between the partners.
2-14
Legal Rights of
Same Sex Families

16. • Benefits of Domestic Partnership—
employment benefits can amount to as
much as one fourth or more of an
individual’s total compensation
2-15
Legal Rights of
Same Sex Families
• In the state of Vermont, since July 2000,
gay couples may enter into a “civil
union.” A civil union gives same-sex
couples all the benefits accorded to
married heterosexual couples in the
state. However, this does not pertain to
any federal benefits.
Copyright @2012 by The McGraw-Hill Group of Companies
Inc. All rights Reserved.McGraw-Hill/Irwin

17. MARRIAGE AND FAMILY
THE QUEST FOR INTIMACY
EIGHTH EDITION
ROBERT H. LAUER AND JEANETTE C. LAUER
1-2
THE
CONTEXT
OF
INTIMACY
PART ONE
1-3
MARRIAGE AND
FAMILY
IN AMERICA:
NEEDS, MYTHS,
AND DREAMS
CHAPTER 1

18. 1-4
The Need for Intimacy: We are
Social Creatures
• Loneliness
• Well-Being and Intimacy
1-5
Myths About Family Life
• We’ve Lost the Extended Family
• Opposites Attract
• People Marry Because They Love Each
Other
1-6
Myths About Family Life cont.
• Having Children Increases Marital
Satisfaction

19. • A Good Sex Life Is the Best Predictor of
Marital Satisfaction
• Happily Married People Don’t Have Conflict
• Half of all Marriages End in Divorce
1-7
Changing Patterns of Intimate
Relationships
• Premarital Sex
• Births to Unmarried Women
• Living Alone
• Cohabitation
1-8
Changing Patterns of Intimate
Relationships cont.
• Delayed Marriage
• Birth Rates

20. • Household Size
• Employed Mothers
• Divorce
1-9
Births to Unmarried Women,
by Race: 1960-2007
1-10
Number of Americans
Living Alone
Sources: U.S. Census Bureau 1987:45 and 2010a.
1-11
Birth Rate per 1,000 Population: 1910-2008
Sources: U.S. Census Bureau Web site and Centers for Disease
Control 2010.

21. 1-12
What Do We Want? What Do We
Need?
• The Great Debate
• Changes in Traditional Arrangements
• Me or We?
• Strengths and Benefits of Marriage and
Family
1-13
Applying Theory
Systems Theory
Exchange Theory
Symbolic Interaction Theory
Conflict Theory
Theory and Intimacy
Dr. Apt
SOCI 202
23 April 2022

22. Family Reflection
It is with great pleasure that I nominate my family for the 2022
family Award for most complicated. In my upbringing my
family preached a lot about gender roles. They would explain
how females keep the house clean and males do the yard work
meanwhile the females in my family did both. They taught me
that males had to be strong, but they treat the males in my
family “soft and gentle.”
My family does not believe in “shacking up”, kids before
marriage, or siblings having different fathers, yet all of this has
happened. Even though people choose to live their lives how
they want, our traditions and beliefs have been passed down
through many generations.
They did not show me much about love and romance, but they
did teach me to know what I want from my partner, never lower
my expectations or standards for anyone,
Every one of us values family, and we all adore our loved ones.
My family has a love and hate relationship; we miss each other
when we are apart but when we are together, we cannot wait to
leave each other.
How to Write a Reflection Paper: Guide with Example Paper |
EssayPro
You are to complete a 1000 word reflection paper.
For this assignment, you are required to write about your
family. Throughout the semester, we have defined the concept
of family, and examined theories that explained the formation,
maintenance, and dissolution of marriage. We have discussed
love and romance, diversity in families, evolving gender roles,
communication and conflict.
Reflecting on all of the topics discussed, you are to nominate

23. your family for family of the year. They might be the happiest,
most traditional, most diverse, craziest, funniest, most
dysfunctional, or whatever term best describes your family.
Your paper will be graded on style, grammar, vocabulary, and
use of concepts discussed in class.