Rana alyousef Macro H.W 1 miss miryam College of Business Administration ECON 1311- Macroeconomics Homework 1 (10% of total grade) Student’s Name: Faten alnassar Student’s ID: 201302248 Course Section: Mark out of % Letter grade Maximum Grade 10 100 A+ Student’s Grade INSTRUCTIONS: Answer all the questions below. Your answers can be either handwritten or typed on a computer. Please, don’t forget to include your name, ID and course section on your homework. Hand in your homework as a hard copy either to me in person or leave your homework in the box in front of my office F098. The deadline for submission is Thursday, October 13, 2016. Submission after the deadline is under no circumstances possible. The homework will account for 10% of your final grade. QUESTIONS: 1) GDP (Gross Domestic Product) Newspaper article: Focus Economics August 24, 2016:Europe’s largest economy lost some steam but outperformed expectations in the second quarter of this year. GDP grew 0.4% quarter-on-quarter, down from Q1’s two-year high of 0.7%. Trends within the domestic economy were divergent, with investment performing weakly and consumption remaining robust. Fixed investment deteriorated, swinging from Q1’s 1.7% increase to a sharp 1.5% drop in Q2, marking the largest fall in over four years. A temporary decline in construction investment was partly behind this fall: construction activity was exceptionally strong in Q1 as a mild winder allowed it to be front-loaded and Q2’s drop reflects normalization in construction. Conversely, household and public spending continued to support growth in Q1, though to a lesser extent than in the previous quarter. Private consumption slowed but still grew 0.2%. A strong labor market, rising wages and subdued inflation have been fueling private consumption in recent quarters and continued to do so in Q2. Government consumption decelerated but remained solid at a 0.6% growth rate in Q2. a.) According to the above news article by how much did the German economy grew in the second quarter of 2016? (0.5 Points) 0.4% b.) List the components of the GDP equation that are mentioned in the news article. (1 Point) Government expenditure Consumption (Private consumption) Investments (fixed and construction investments) c.) By how much did each of the components of the GDP equation grew in Q2 2016?(2 Points) Government expenditure= 0.6% Investments= Decreased by 0.2% Consumption = 0.2% 2.) Calculate GDP Item Billions of $ Consumption expenditure 8,000 Investment 3,000 Government Expenditure 2,000 Exports 10,000 Imports 6,000 a.) Calculate the GDP of the economy in the table above.(1.5 Points) GDP=G+I+C+NX GDP=$2,000+$3,000+$8,000+ $(10,000-6,000) GDP= $17,000 3.) Unemployment The table below shows the results of a labor survey for an imaginary country. Use the numbers to answer the questions below. Population Working age population Non-working age population Labor force employed unemployed Total 500, ...

1. Rana alyousef
Macro H.W 1 miss miryam
College of Business Administration
ECON 1311- Macroeconomics
Homework 1 (10% of total grade)
Student’s Name:
Faten alnassar
Student’s ID:
201302248
Course Section:
Mark out of
%
Letter grade
Maximum Grade
10
100
A+
Student’s Grade

2. INSTRUCTIONS:
Answer all the questions below. Your answers can be either
handwritten or typed on a computer. Please, don’t forget to
include your name, ID and course section on your homework.
Hand in your homework as a hard copy either to me in person or
leave your homework in the box in front of my office F098. The
deadline for submission is Thursday, October 13, 2016.
Submission after the deadline is under no circumstances
possible.
The homework will account for 10% of your final grade.
QUESTIONS:
1) GDP (Gross Domestic Product)
Newspaper article:
Focus Economics August 24, 2016:Europe’s largest economy
lost some steam but outperformed expectations in the second
quarter of this year. GDP grew 0.4% quarter-on-quarter, down
from Q1’s two-year high of 0.7%. Trends within the domestic
economy were divergent, with investment performing weakly
and consumption remaining robust. Fixed investment
deteriorated, swinging from Q1’s 1.7% increase to a sharp 1.5%
drop in Q2, marking the largest fall in over four years. A
temporary decline in construction investment was partly behind
this fall: construction activity was exceptionally strong in Q1 as
a mild winder allowed it to be front-loaded and Q2’s drop
reflects normalization in construction. Conversely, household
and public spending continued to support growth in Q1, though
to a lesser extent than in the previous quarter. Private
consumption slowed but still grew 0.2%. A strong labor market,
rising wages and subdued inflation have been fueling private
consumption in recent quarters and continued to do so in Q2.

3. Government consumption decelerated but remained solid at a
0.6% growth rate in Q2.
a.) According to the above news article by how much did the
German economy grew in the second quarter of 2016? (0.5
Points)
0.4%
b.) List the components of the GDP equation that are mentioned
in the news article. (1 Point)
Government expenditure
Consumption (Private consumption)
Investments (fixed and construction investments)
c.) By how much did each of the components of the GDP
equation grew in Q2 2016?(2 Points)
Government expenditure= 0.6%
Investments= Decreased by 0.2%
Consumption = 0.2%
2.) Calculate GDP
Item
Billions of $
Consumption expenditure
8,000
Investment
3,000
Government Expenditure
2,000
Exports
10,000
Imports
6,000

4. a.) Calculate the GDP of the economy in the table above.(1.5
Points)
GDP=G+I+C+NX
GDP=$2,000+$3,000+$8,000+ $(10,000-6,000)
GDP= $17,000
3.) Unemployment
The table below shows the results of a labor survey for an
imaginary country. Use the numbers to answer the questions
below.
Population
Working age population
Non-working age population
Labor force
employed
unemployed
Total
500,000
380,000
120,000
250,000
220,000
30,000
Men
230,000
180,000
50,000
150,000
140,000
10,000

5. Women
270,000
200,000
70,000
100,000
80,000
20,000
a.) Calculate the unemployment rate for the whole country and
calculate the unemployment rate for men and woman separate.
(1.5 Points)
Unemployment Total:
(Unemployed/labor force)*100
30,000/250,000*100
=12%
Unemployment Men:
(Unemployed men/labor force men)*100
10,000/150,000*100
= 6.67%
Unemployment Women:
(Unemployed women/Labor force women)*100
20,000/100,000*100
= 20%
b.) Calculate the labor force participation rate for the whole
country and calculate the labor force participation rate for men
and woman separate. (1.5 Points)
Labor Force Participation Rate Total:
= 250,000/380,000*100
= 65.79%
Labor Force Participation Rate Men:
= 150,000/180,000*100
= 83.33%

6. Labor Force Participation Rate Women:
= 100,000/200,000*100
= 50%
4.) Inflation
A typical family in forest country consumes only nuts and
orange juice. Last year, which was the base year, the family
bought 35 tons of nuts and 50 gallons of orange juice. In the
base year, nuts cost $600 a ton and orange juice cost $300 per
gallon. This year, a ton of nuts costs $625 and a gallon of
orange juice costs $310. Calculate the Consumer Price Index
(CPI) and calculate the inflation rate.(2 Points)
Consumer price index= (price of goods in current year/price of
goods in base year)*100
Price of goods in current year= ($625*35)+($310*50)
= $37,375
Price of goods in base year= ($600*35)+($300*50)
=$36,000
CPI= $37,375/$36,000*100
CPI= 103.8
Inflation rate:
Inflation rate= Difference in CPI between the 2 years/CPI of
base year * 100
103.8-(100/100*100)
= 3.8%
Capital Budgeting in Healthcare
Diana Berrios
HCM-400
Capital budgeting is a technique often used by businesses to

7. rank and evaluate investments or potential expenditures that are
significant in amount. In healthcare organizations, it is usually
managed by inexperienced health care professionals or
managers. This proposal seeks to discuss the opportunities
provided by an efficient capital budgeting and suggest areas of
budget improvement in Cryo-Cell International.
Opportunities
A proper capital budgeting will provide future financial
planning for Cryo-Cell. It will enable the finance manager to
plan strategically their financial future (Young, 2008, p. 28). It
will also enable hospital facility managers to validate and
account for budgetary needs, and adequate funding within the
budgetary requirement. Also, it will improve communication
with Cry-Cell departments. An effective communication plays a
significant role in the success of a capital spend plan (Finkler &
Ward, 1999, p. 14). The idea is to encourage alignment,
collaboration, engagement, and integration when
communicating. There is an opportunity for standardization,
which increases efficiency especially when budgeting process is
often riddled with inefficient manually intensive processes.
Proposal
The key areas that Cryo-Cell needs to improve in its budgeting
process include;
Operating Margins –the operating margins may portray different
information, for example; large margins could mean money is
not properly used to improve patient care and services (Finkler
& Ward, 1999, p. 18). This proposal recommends that margins
should be analyzed by comparing past budgets and
expenditures.
Technology –since most hospitals invest in new technology and

8. medical equipment, this can translate to significance expense on
a budget. Therefore, it will be advisable to create a separate
budget for equipment and medical supplies (Young, 2008,
p. 33).
Patients – looking at Cryo-Cell pricing strategy, it does not
charge any upfront fees for their patients. It will be vital to note
the number of patients still affects expense, costs, and budget
needs.
Reference
Finkler, S. A., & Ward, D. M. (1999). Cost accounting for
health care organizations: Concepts and applications.
Gaithersburg, MD: Aspen Publishers.
Young, D. W. (2008). Management Accounting in Health Care
Organizations. Hoboken: John Wiley & Sons.
Running Head: HEALTHCARE FINANCE
1
HEALTHCARE FINANCE
3
Healthcare Finance Milestone 4
Diana Berrios
HCM 400

9. II. Financial and Budgetary considerations
A. Financial Statements
The statement of comprehensive income, the statement of
financial position and the cash flow statement will be used in
making a proposal. The cash flow statement will be used to
determine how the company is utilizing its cash in its three
main activities which include operating activities, investing
activities and financing activities. Additionally, the statement
of financial position will be used to determine the financial
stability of the company which will mainly be about
determining how the company is financing its assets using
equities and liabilities (Deegan, 2013). Moreover, this financial
statement will also determine whether the company has a
healthy balance between assets on one side and a combination
of liabilities and equities on the other. The statement of
comprehensive income will also be utilized in determining the
relationships between the costs of the company and the revenue
that it generates from different sources. This information will
be used to strategies profit making for the Cryo Cell
International Inc.
B. Proposal Impact
The proposal was to amend the budgetary policies to focus
on three key areas which have a great influence on Cryo Cell’s
financial statements with the main objective being the
standardization of operating costs. The company needs to invest
in research and development so as to develop new technologies
which are crucial in increasing efficiency in the company. The
increased efficiency will contribute to a rapid reduction in the
operating costs of the company which will, in turn, increase the
operating margins of the company (Arora and Gambardella,
2010). An increasing in the operating, margins will have a
positive impact on the net income indicated in the consolidated
income statement. Furthermore, increased investment in new
technologies will reduce the cost of services of the company’s
clients. Consequently, the sales volume is expected to rise and
also positively impact on the total operating revenue that the

10. company earns. Furthermore, more budgetary allocations
towards investments will increase the incense and royalty
income that the company earns its patents. Thus the increased
profitability due to changes in the budgetary policies to focus
more on investments will result in higher profitability.
Furthermore, the reduced cost of health care services due to
more affordable technology will increase service delivery in the
United States because of the affordability factor and the
improved quality of services attributed to advanced technology.
Thus proposed changes in the budgetary process will result in a
positive change in all the financial statement as the company
will be more profitable, healthier and more stable financially
and more efficient in its utilization of cash.
C. Flexed Versus Fixed
The flexed budget will be utilized in financial planning as
opposed to the fixed budget. This is because the flexible budget
varies depending on the level of activity which will facilitate an
effective control of the costs incurred (Noreen, Brewer and
Garrison, 2011). If the fixed budget is used, it will make it
difficult to accurately forecast the cost of the next budget
period. Thus the Fixed budget will not be a useful tool for
implementing the budgetary proposals primarily because
adjustments are needed after each budget period to ensure the
company meets its short-term goals and its long-term goal.
III. Proposal Justification
A. Ratio Selection
It would be important to use profitability ratios because
they are an indicator of the degree to which Cryo-Cell can
control expenses and generate revenues from its operations and
resources. Additionally, liquidity ratios will also be used
because they indicate the capacity of Cryo-Cell to meet its
current obligations. This will determine whether the company
can spare resources to other investments. Finally, leverage
ratios will also be used as they will indicate the level of gearing
of the company as well as its ability to raise new funds to be
utilized in investments as per the budgetary proposals.

11. B. Ratio Results
1. Profitability ratios
i) Net profit margin = Net income/net sales =
(1,320,800)/23,128,047=-5.7%
ii) Operating income margin= operating income/net sales =
433,594/23,128,047= 1.87%
iii) Return on investments= net income/ [long-term liabilities
equity] = -1,320,800/[1,425,000+30,465,617]= -9.4%
iv) Gross profit margin= gross profit/net sales = [22121728-
5774800]/23,128,047= 70.68%
The company had a net loss margin of 5.7% despite having
a gross profit margin of 70.68%. This means that the expenses
incurred during the year were substantially high. This is also
supported by the fact that the company had an operating income
margin of 1.87% (Cryo Cell International Inc. 2016). This
implies that the company was barely able to cover its operating
expenses during the period. The returns on investments indicate
that the company is utilizing its long-term debts and equity
inefficiently.
2. Liquidity ratios
i) Current Ratio=Current Assets/Current Liabilities=
9,011,923/13,111,684= 0.69
ii) Cash Ratio= (Cash and cash equivalents+ marketable
securities)/ current liabilities=
[3,499,881+624,223]/13,111,684=0.31
The liquidity ratios indicate that Cryo Cell is not liquid.
The Current ratio for a liquid company is supposed to be an
average of 2:1. However, this company has a current ratio of
0.69:1 (Cryo Cell International Inc., 2016). This means that the
company is unable to meet its obligations as and when they fall
due
3. Leverage ratios
i) Total Debts to total Assets = Total debts/total assets=
34,952,726/19,538,468= 1.7
ii) Capitalization ratio= long-term debts/[long term debt+
Owners Equity]=

12. [7,819,750+1,425000]/[9,244,750+30,465,617]= 23.2%
iii) Debt to Owners Equity= Debt/Owners Equity=
7,819,750/30,465,617=25.7%
The leverage ratios indicate that the company is heavily
leveraged and may not be able to easily raise new capital. The
total debts to total assets should ideally be 1:1, but for Cryo-
Cell it is 1:1.7 which means that all the assets of the company
cannot cover the total liabilities in a scenario where the
company is bankrupt. Additionally, the Capitalization ratio and
the debt to owner’s equity ratios are both above 23% which
indicates that the company is heavily leveraged.
The results of these financial ratios support the proposal
planned for implementation in the budgetary process.
C. Short and long-term impact
The proposal would include a reduction in operating costs
such as the cost of labor and the disposal of underutilized non-
current assets. The proceeds would be utilized in reducing the
debt of the company and also generate funds that will channel
into research and development of advanced technologies. The
new technologies will increases sales by reducing the selling
price of services and products. Consequently, the gross profit
margin and the operating profit margin will improve in the short
term. The company would be profitable, liquid and more
efficient in the long term. Furthermore, the company will be
able to offer the highest quality of health care services at an
affordable cost to patients and other clients.
References
Arora, A., & Gambardella, A. (2010). The market for
technology. Handbook of the Economics of Innovation, 1,
641-678.
Cryo Cell International Inc. (2016). Cryo Cell International Inc.
10-K. U.S Securities and Exchange Commission. Retrieved 14
April 2017 from: https://www.sec.gov/cgi-
bin/viewer?action=view&cik=862692&accession_number=
0001193125-17- 062739&xbrl_type=v#
Deegan, C. (2013). Financial accounting theory. McGraw-Hill

13. Education Australia.
Noreen, E., Brewer, P., & Garrison, H. (2011). Managerial
accounting for managers. McGraw-Hill Irwin.
The final project for this course is the creation of a written
proposal. Parts I, II, III have already been completed, just need
to add part IV as highlighted in yellow below
While healthcare organizations differ greatly, managers in
various departments in organizations must propose changes to
processes, the purchase of new equipment, the addition of
employees, and many other changes to executives and boards to
obtain approval. For this course, you will place yourself in the
role of a manager in an organization of your choice. You are
tasked with creating a written proposal that will add value to an
organization and will impact the budget.
This may come in the form of adding updated equipment,
changing a process to become more streamlined, and so on. You
will be submitting your proposal to your instructor, who will be
playing the roles of CEO and budgetary board, for
consideration. This assessment will require you to defend your
proposal in terms of the value added and the financial impacts
to the organization, as you would need to in the real world.
In this assignment, you will demonstrate your mastery of the
following course outcomes:
nagerial accounting principles in healthcare
using appropriate terminology

14. forces affecting the delivery of health services
- and long-term
strategic planning
-level proposals that address budgeting
consideration by justifying spending for healthcare services
Prompt
Your proposal report should answer the following prompt:
Considering the major forces in healthcare today, what
improvements or changes would you propose for your selected
organization? How would your proposal add value to the
organization, and what impact would your proposal have in
terms of the financial and budgetary considerations?
Specifically the following critical elements must be addressed,
but the proposal that you are creating may require you to
address these aspects in a different order. Please organize your
report in the manner that seems the most logical for your topic.
I. Introduction
A. What are the major forces affecting the delivery of
healthcare today? Discuss these forces and their corresponding
impacts on today’s healthcare
environment.
B. Impact of Forces: What healthcare service and delivery
opportunities and challenges exist because of the forces
discussed above? Define the
challenges and opportunities that exist for today’s healthcare
leaders.
C. Opportunities: Based on your analysis of the major forces,
impacts, and opportunities provided, consider the specific
organization that you
selected. What opportunities exist for this organization, and
how do these opportunities relate to the big-picture view of
healthcare?
D. Proposal: What is your proposal for addressing identified
issues or improvements within your organization? In other
words, what changes are

15. you trying to incorporate in your selected organization?
II. Financial and Budgetary Considerations
A. Financial Statements: What financial statements will you
utilize in making your proposal, and how will you use these
statements?
B. Proposal Impact: What impact will your proposal have on the
organization’s financial statements? Articulate the impact using
appropriate
terminology.
C. Flexed Versus Fixed: How would your proposal be different
if using a flexed budget versus a fixed budget? In other words,
how would the use of
one type of budget versus the other impact your proposal, and
how would your proposal impact the budget? (Evaluate the
differences between
a fixed and a flexed budget.)
III. Proposal Justification
A. Ratio Selection: What ratios will you use to support your
proposal and why? Select the ratio or ratios that would be the
most appropriate.
B. Ratio Results: Calculate the selected ratios and articulate the
results using accurate terminology. What do the results tell you
about the viability of your proposal?
C. Short- and Long-Term Impact: Based on your calculations
and financial statement analysis, determine the short-term and
long-term impact on
the organization and the organization’s financials. What is the
short-term and long-term financial impact of your proposal for
the organization?
How can you plan to strategically mitigate the impact on the
financials of the company, or how will your proposal help
inform strategic planning
in the short and long term?
IV. Closing Statement/ Conclusion
A. Added Value: What value will your proposal add to the
organization? Justify the value or improvement your proposal

16. will add for the
organization, in consideration of trends in healthcare.
B. Justification of Proposal: How appropriate is your proposal
based on your financial analysis? Justify your proposal based on
the financials and
budgetary considerations. If you feel that your proposal is not
appropriate given your analysis, explain why, with support of
your reasoning.
Final Product: Written Proposal
In Module Seven, you will submit a written proposal on your
selected organization. You will provide an explanation of how
the capital budget proposal supports the operational and
strategic goals of the organization. You will be required to
explain the value of the capital proposal in consideration of
current trends in healthcare and to provide financial statement
support and analysis. The written proposal should be a
complete, polished artifact containing all of the critical
elements of the final product.
About Nahar AlNassar
oral communication
By: Faten AlNassar
201302248
Outline
Introduction
Who is Nahar Alnassar?
How he met king Saud?
Nahar’s Family
How I see Nahar?
Introduction

17. The first Saudi pilot who flew with a Saudi king.
He was young at that time.
Special Pilot for a special king.
Who is Nahar Alnassar?
He is my grandfather’s cousin.
Jeddah is his home.
His first trip was to Kansas.
Boeing 720B was his first flight.
7 Years working for the Saudi Airlines.
He flew by a jet engine airplane.
How he met king Saud?
He saw king Saud in Kansas.
King Saud was proud.
He asked Nahar to return him back to Riyadh.
He asked Nahar again to take him back to Kansas.
Nahar’s Family
He loved his family and cared about them.
He wanted his family to be dependent on their own.
They always remember his advices even after he died.
How I see Nahar?
The motivations always pushes me forward to be a successful
person just like him.
I always wanted to reach that endless point and to be
remembered even after I die Just like him.
Conclusion

18. Jeddah is the place where he died.
All of us are very proud of him. He has done things others can’t
do. He learned how to fly by jet engine airplane over the oceans
and he is the only Saudi person who does that even now a days
only few others and they are under training.
Questions
Do not hastate to ask just raise your hand
Reflection on Genetic Testing Persuasive Presentation
I prepared this Genetic Testing persuasive presentation for the
Oral Communication course Furthermore, for the purpose of
developing myself, I am going to evaluate my performance
during doing this assignment using the standard CRITICAL
THINKING Indicators. I consider myself intermediate in
determining the nature and extent of information needs due to
my ability to understand the nature, topic and scope of the
assignment with a minimal assistance form my instructor. I also
believe that I am intermediate in accesses needed information.
Although it was hard to find reliable resources in the form of
doctors’ opinions, I solved this problem by asking my sister
(who is a doctor) to help me find medical articles that contain
the needed information for my assignment. Based on the huge
amount of help I required to critically evaluating the quality of
information in relation to need, I think I stand in the beginning
level in this indicator. Reflecting on the way I presented my
work in class, I believe I am Intermediate in preparing and
delivering effective written and oral communications. I
practiced presenting many times, prepared notes to facilitate the
information for the students, in case I noticed that they do not
comprehend any information, and I was very organized during
presenting. Finally considering my excellent skills in
referencing and performing the in-text-citation, I evaluate

19. myself as advanced in adhering to ethical practices in the use
and communication of information.