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Bob and Lisa are both married, working adults. They both plan for retirement and consider the $2,000 annual contribution a must. First, consider Lisa's savings. She began working at age 20 and began making an annual contribution of $2,000 at the first of the year beginning with her first year. She makes 13 contributions. She worked until she was 32 and then left full time work to have children and be a stay at home mom. She left her IRA invested and plans to begin drawing from her IRA when she is 65. Bob started his IRA at age 32. The first 12 years of his working career, he used his discretionary income to buy a home, upgrade the family cars, take vacations, and pursue his golfing hobby. At age 32, he made his first $2,000 contribution to an IRA, and contributed $2,000 every year up until age 65, a total of 33 years / contributions. He plans to retire at age 65 and make withdrawals from his IRA. Both IRA accounts grow at a 7% annual rate. Do not consider any tax effect. Write a two to three (2-3) paragraph summary in which you: Create a chart summarizing the details of the investment for both Bob and Lisa. Explain the results in terms of time value of money. .

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Bob and Lisa are both married, working adults. They both plan for re.docx

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BOOK REVIEWS: How to write a book review There are two approaches to book reviewing: Descriptive reviews give the essential information about a book. This is done with description and exposition, by stating the perceived aims and purposes of the author, and by quoting striking passages from the text. Critical reviews describe and evaluate the book, in terms of accepted literary and historical standards, and supports this evaluation with evidence from the text. The following pointers are meant to be suggestions for writing a critical review. Basic requirements To write a critical review, the reviewer must know two things: Knowing the work under review: This demands not only attempting to understand the author's purpose and how the component parts of the work contribute to that purpose, but also knowledge of the author: his/her nationality, time period, other works etc. Requirements of the genre: This means understanding the art form and how it functions. Without such context, the reviewer has no historical or literary standard upon which to base an evaluation. Reviewing essentials Description of the book. Sufficient description should be given so that the reader will have some understanding of the author's thoughts. This account is not a summary. It can be woven into the critical remarks. Discuss the author. Biographical information should be relevant to the subject of the review and enhance the reader's understanding of the work under discussion. Appraise the book. A review must be a considered judgment that includes:  a statement of the reviewer's understanding of the author's purpose  how well the reviewer feels the author's purpose has been achieved  evidence to support the reviewer's judgement of the author' achievement. While you read:  Read the book with care.  Highlight quotable passages.  Note your impressions as you read.  Allow time to assimilate what you read so that the book can be seen in perspective.  Keep in mind the need for a single impression which must be clear to the reader. The review outline A review outline gives you an over-all grasp of the organization of the review, to determine the central point your review will make, to eliminate inessentials or irrelevancies, and to fill in gaps or omissions.  Examine the notes you have made and eliminate those with no relationship to your central thesis.  By organizing your discussion topics into groups, aspects of the book will emerge: e.g., theme, character, structure, etc.  Write down all the major headings of the outline and fill in the subdivisions.  All parts should support your thesis or central point. First draft Opening paragraphs set the tone of the paper. Possible introductions usually make a statement about the:  Thesis  Authorial purpose  Topicality of the work or its significance  Comparison of the work to others by the same author or within the same genre.

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Book Review #3- “The Spirit Catches You and You Fall Down” Chapters 7-12 Do you believe removing Lia from her parent's care was the right choice for her overall wellbeing? Why or why not? How did the author find an interpreter that was successful in serving as a cultural broker between herself and the Lees? How did Jeanine Hilt advocate for the Lee family? Explain how Neil Ernst and the Lees may have differed culturally in their understanding of the value or perception of the Ernst's’ family vacation. Give three reasons why many Hmong may have resisted leaving the refugee camp (Ban Vanai) in Thailand. .

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Book required: Current Issues and Enduring Questions, by Sylvan Barnet (Links to an external site.), Hugo Bedau (Links to an external site.), John O'Hara (Links to an external site.) ISBN 1319035477 which should be edition 11 REQUIREMENTS: · Organize ideas in well-developed, coherent, and stylistically sophisticated analytical essays. · Evaluate and improve his/her writing process by revising and editing his/her won essays · Apply logical reasoning to identify and evaluate authors’ use of rhetorical techniques, participate in critical thinking class discussions and activities, and compose clearly organized and effectively argued written analyses of those texts. · Identify, analyze, and question stated and unstated assumptions of texts and draw meaningful inferences about the intentions of authors in context. · Discuss a variety of argumentative and analytical assignments and demonstrate the effective use of rhetorical strategies and an awareness of style. · Use a variety of research skills to expand analysis of a primary source, evaluating and incorporating secondary source materials that encompass the social, historical, and critical aspects that provide context for the argument. About Myself: Name: James Greene Occupation: Senior Logistic Analyst/Lead For NAVSUP Fleet Logistic Center (FLC) San Dirgo In Support of Littoral Combat Ships (LCS) Major: AA In Business Administration this my last I need to achieve goal. Working toward a BA in Business Management from University Of Redlands. Retired Navy Veteran retired in Jun 2010 Married all three of my children attend Southwestern Ordain Pastor Hobbies: Live Concerts Bowling Movies Traveling Book required: Current Issues and Enduring Questions, by Sylvan Barnet (Links to an external site.) , Hugo Bedau (Links to an external site.) , John O'Hara (Links to an external site.) ISBN 1319035477 which should be edition 11 R EQUIREMENTS : · Organize ideas in well - developed, coherent, and stylistically sophisticated analytical essays. · Evaluate and improve his/her writing process by revising and editing his/her won essays · Apply logical reasoning to identify a nd evaluate authors’ use of rhetorical techniques, participate in critical thinking class discussions and activities, and compose clearly organized and effectively argued written analyses of those texts. · Identify, analyze, and question stated and unstated assumptions of texts and draw meaningful inferences about the intentions of authors in context. · Discuss a variety of argumentative and analytical assignments and demonstrate the effective use of rhetorical strategies and an awareness of style. · Use a variet y of research skills to expand analysis of a primary source, evaluating and incorporating secondary source materials that encompass the social, historical, and critical aspects that provide context for the argument. About Myself: Name: James Greene Occupation: Senior Logistic Analyst/Lead .

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Book Review #1- “The Spirit Catches You and You Fall Down” Chapters 1-3 Explain why Foua Yang’s birthdate may have been different in various locations in the medical charts? Describe how the history of the Hmong people as discussed in chapter two may have influenced Foua and Nao Kao’s perception of the physicians and nurses who appear to be in charge of their daughter’s care? How do you think to have an interpreter might have improved the outcomes of Lia’s numerous emergency room visits up to this point? Discuss the differences in conceptual frameworks that may have led Foua and Nao Kao and the caregivers at Merced County hospital to misunderstand one another during Lia’s admissions? How may have Foua and Nao Kao experienced cultural pain during the experience of Lia’s birth in the United States? Assignment File(s) NM 245 Book Review assignment overview [MSWord] Previous Next .

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Book report Gringo viejo- Carlos Fuentes The written book report must include the following (5 paragraphs,3-4 pages, in spanish ). always include a bibliography with the name of the book and the author, publisher, and copyright date. A. introduction- name, author of the book and brief background of the author. Also, in the introduction there should be a summary of the storys main idea{theme}, or briefly describe what the book is about B.Body of the report - the body of the report is made up of several paragraphs. you can start with a paragraph about the main characters, this may or may not include a physical description of the characters, but it will definitively include a description of their personalities. c. Figure out which type of conflict or problem exists in the story, and explain it in another paragraph. no plagerism, double spaced, in spanish .

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Book reference: Kouzes, James M. and Posner, Barry Z. The Leadership Challenge, 5th Ed. New Jersey: Jossey-Bass Inc., 2012. Using Kouzes and Posner's theory, complete a personal audit--The Leadership Challenge book. Answers questions such as: What is a leader? What is an effective? What are some different types of leadership? What are the Five Practices of Exemplary Leadership? What are characteristics/traits of a leader? Ex. honest, trustworthy, consistent, inspiring What kind of leader are you? Attitudes and styles of past managers or leaders you have had. What are contemporary leaders known for? (their style/traits) 2-3 pages APA Double spaced 12 font. 1 inch margins .

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BOOK PICTURE I POSTED TOO. Go to the the textbook, study chapter 8 on the media, and discuss these issues: 1.Planned obsolescence: provide Examples that should not be in the book but from your own life experience) Fig. 8.7 in the textbook: Violence in the media, and video games. Examples should from your own life experience, Media globalization: Examples. Is it good or bad for the cultural values of the countries involved? China and the Internet censorship: Why China is doing what it is doing? .

BOOK PICTURE I POSTED TOO. Go to the the textbook, study chapt.docx

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Book List Becker, Ernest The Denial of Death Castaneda, Carlos The Journey to Ixlan Castaneda, Carlos The Active Side of Infinity Jung, C.G. Modern Man in Search of a Soul Moore, Thomas Care of the Soul May, Rollo The Cry for Myth Peck, M. Scott The Road Less Traveled Keen, Sam Inward Bound Huxley, Adlous The Doors of Perception Jaynes, Julian The Origin of Consciousness in the Breakdown of the Bicameral Mind Storr & Stevens Freud & Jung Singer, June Boundaries of the Soul Esters, Clarissa Pinkola Women Who Run With the Wolves Grof, Stanislav Spiritual Emergency Jung, C.G. Memories, Dreams, Reflections Hillman, James We’ve Had a Hundred Years of Psychotherapy And the World’s Getting Worse Hesse, Herman Steppenwolf Chodron, Pema The Places that Scare You Grof, Christina & Stan The Stormy Search for the Self Jung, C.G. Flying Saucers Jung, C.G. Psychology and the Occult Freud, Sigmund Civilization and its Discontents M. Scott Peck People of the Lie Baumeister, Roy Evil: Inside Human Violence and Cruelty Frankl, Viktor Man’s Search for Meaning Storr, Anthony The Essential Jung Strassman, Rick DMT: The Spirit Molecule Watson, John B. Behaviorism Freud, Sigmund The Interpretation of Dreams Stevens, Jay Storming Heaven: LSD and the American Dream Fromm, Erich Escape from Freedom Jung, Carl Answer to Job Kubler-Ross, Elizabeth Death and Dying Skinner, B.F. Beyond Freedom and Dignity Amundsen, Christan Insights From the Secret Teachings of Jesus Ruiz, Don Miguel The Four Agreements Moody, Raymond Life After Life Jonas, Hans The Gnostic Religion Ellis, Albert The Myth of Self-Esteem: How Rational Emotive Behavior Therapy Can Change Your Life Forever. May, Rollo The Discovery of Being: Writings .

Book ListBecker, Ernest The Denial of D.docx

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Book list below.docx

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Book is Media Literacy. Eighth EditionW.JamesPotte.docx

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Book: Forensic and Investigative Accounting Please answer the questions listed below and submit in a word document. Exercise 41. What are Howard M. Schilit’s seven financial shenanigans? Exercise 71. Go to the FBI internet site or search other sources and prepare a report as to the fraudulent activities in these companies. How did the people pull off the fraud? a. Quest Communication. b. AmeriFunding. .

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Book "Criminoloy Second Edition " Read Chapter 6. Please submit your responses to the following questions via the drop box: 1. What is social disorganization ? How does it contribute to crime? What were Shaw and McKay's findings with regards to the Concentric Zone model? 2. Define anomie. How does this "cause" crime. 3. Briefly explain Robert K. Merton's Mean/Ends Theory (Modes of Adaptation). 4. According to Robert Agnew, what are the 3 major types of negative relationships which cause strain ? 5. What would Albert Cohen say caused crime? What are middle-class measuring rods ? 6. How do Sykes and Matza differ from Cohen in their belief of crime causation? 7. Briefly explain the violent subculture theory of Marvin Wolfgang. .

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Book Discussion #2 Ideas (may select 1 or more to respond to) submit to Discussion Drop Box by 3/1 at 11:59 pm : 1. Write on contrasting Kant's approach to ethics with consequentialism. Which do you think is better, and why? 2. Explain Kant's principle of universalizability and the principle of humanity. Do they ever give conflicting advice? If so, which do you think is a better guide to our moral obligations? 3. Kant claims that humans have a special kind of value not possessed by anything else on earth. How does he justify this claim? What are the implications of this view regarding the moral status of non-human animals? Do you find this view plausible? 4. What gives actions moral worth , according to Kant? Compare Kant's view on this subject with the view of the utilitarian. Which view do you think is preferable, and why? See RUBRIC and Example tabs (Maximum 30% similarity). Submit in Discussion Drop Box. No late assignments. .

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BOOK 1984 MiniProject: What makes a human being? One of the themes of 1984 is human dignity. In Part Two, Winston’s dreams and memories of his mother lead him to an appreciation of the proles and to the realization that “the proles had stayed human” (165). In Part Three, O’Brien refers to Winston as “the last man...the guardian of the human spirit” (270). Step 1: Write to analyze and explain your perspective on what it means to be human. Your writing should be 1-2 pages typed and printed. Think about all of the qualities that make a person “human” according to Winston—qualities that Winston says the Party has taken away and that Winston has had to “relearn by conscious effort” (165). Consider those qualities in your analysis and emphasize and/or add the qualities that you feel are most important to being human. Be sure to reflect the importance of each of the qualities both within the novel as well as importance to the human experience. Step 2: Choose from the options below or create your own (must be approved) to present/ illustrate your analysis: 2. Create a “recipe” that contains all of the essential “ingredients” that make up a human being. 3. Write your own lyrics to a song that explains what it means to be human. 4. Reflect key events from Winston or Julia’s point of view (ex. diary, social media account, video). 5. Make a written, audio, video, visual recording of Winston’s diary throughout the novel. 6. Create an interview with one of the characters (ex. News broadcast, talk show). 10. Create your own original ending for the novel. Conflict Resolution Strategies Outline Conflict Resolution Strategies – FH (Cultural Clashes in Workplace) I. Understanding the conflict · Identify contributing factors to conflicts in work environment. · Identify the parties involved in the conflict. · Approach towards achieving resolution. II. Goals · The short-term goal of conflict resolution. · The long-term goals of conflict resolution. III. The actual practice of conflict · Theoretical information which is the description of conflict resolutions that is to be used. · Inventive practices that show why this initiative is unique in resolving conflict. · The step by step instructions of resolving conflict in the workplace. IV. Conclusion · The guidebook towards achieving conflict resolution. · Resources necessary for establishing better conflict resolution. · Contact information for conflict management groups. GYPSYLOXX™ Conflict resolution Training ManualWelcome to the GLX Team The GLX mission is to start a movement to inspire the youth to become their own person; to create a distinctive look that is modern, upscale and versatile; as well as doing our best to assure ultimate Customer satisfaction. As a member of the GLX team, you are responsible for creating a friendly work environment by exhibiting the positive traits listed in this manual. We were very impressed with your experience and/or skill set and we think you w.

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Bonnie Morgen: First Day on the Job and Facing an Ethical Dilemma Case Author: Barbara Lamberton Online Pub Date: January 02, 2019 | Original Pub. Date: 2018 Subject: Financial Reporting, Business Ethics Level: Intermediate | Type: Experience case | Length: 1120 words Copyright: © 2018 IMA Educational Case Journal. All rights reserved. Organization: fictional/disguised | Organization size: Region: Global | State: Industry: Manufacturing Originally Published in: Lamberton, B. (2018). Bonnie Morgen: First day on the job and facing an ethical dilemma. IMA Education Case Journal, 11(1), Article 2. Publisher: Institute of Management Accountants DOI: http://dx.doi.org/10.4135/9781526490650 | Online ISBN: 9781526490650 javascript: void(0); javascript: void(0); javascript: void(0); javascript: void(0); http://dx.doi.org/10.4135/9781526490650 © 2018 IMA Educational Case Journal. All rights reserved. This case was prepared for inclusion in SAGE Business Cases primarily as a basis for classroom discussion or self-study, and is not meant to illustrate either effective or ineffective management styles. Nothing herein shall be deemed to be an endorsement of any kind. This case is for scholarly, educational, or personal use only within your university, and cannot be forwarded outside the university or used for other commercial purposes. 2020 SAGE Publications Ltd. All Rights Reserved. This content may only be distributed for use within Colorado State Univ Global. http://dx.doi.org/10.4135/9781526490650 SAGE © 2018 IMA Educational Case Journal. All rights reserved. SAGE Business Cases Page 2 of 5 Bonnie Morgen: First Day on the Job and Facing an Ethical Dilemma http://dx.doi.org/10.4135/9781526490650 Abstract The case presents an accounting ethical dilemma where the controller of a business unit that produces and sells industrial components must decide what to do when her boss misrepresents orders as sales to meet sales budgets and thus overstates revenues by one and a half million dollars. Case Introduction Today is Bonnie Morgen’s first day on the job as controller of a business unit that produces and sells industrial components. She has been with the company for a number of years and most recently worked at headquar- ters, working directly for CFO Ed Judsen. Bonnie is replacing Jerry Mayfare, who recently left the company for another opportunity. Jerry’s previous work experience included 10 years of working at an entrepreneurial venture. Bonnie had heard that Jerry prided himself on not having a lot of formal accounting training. Starting today, Bonnie will work directly for Bill Ridgefield, the division general manager (GM), but she will still have responsibility to Ed. Although company policy dictates that both the GM and CFO have input in the controller’s performance evaluation, the GM’s input has greater weight for both the annual review and pay raises. Bill has a reputation as a personable and .

Bonnie Morgen First Day on the Job and Facing an Ethical Di.docx

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Bonds are a vital source of financing to governments and corporations of all types. In this discussion forum, you will have the opportunity to discuss possible sources of risks from the investors’ perspective. For your initial post, assess what you think are the top three biggest risks for investors associated in bond investments, and explain why. Support your claims with references to at least one recent relevant news article from a credible financial media source (i.e., Bloomberg Business Week, Wall Street Journal, Yahoo Finance, etc.) .

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Bond Company adopted the dollar-value LIFO inventory method on January 1, 2013. In applying the LIFO method, Bond uses internal cost indexes and the multiple-pools approach. The following data were available for Inventory Pool No. 3 for the two years following the adoption of LIFO: Ending Inventory At Current At Base Year Cost Year Cost Cost index 1/1/13 $305,000 $305,000 1.00 12/31/13 334,360 321,500 1.04 12/31/14 441,440 356,000 1.24 Under the dollar-value LIFO method the inventory at December 31, 2014, should be .

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Boley: A Negro Town in the American West (1908) The community of Boley, in the Creek Nation of Indian Territory, or what is now Oklahoma, was one of thirty black towns founded in the West after the Civil War and settled by immigrants from the South and Middle West. Blacks first arrived in Oklahoma as the slaves of Cherokees and Creeks. The Indians had been displaced from the Carolinas and Georgia during the 1830s and forced to relocate by foot along the "Trail of Tears" to new lands in Oklahoma. In 1908, a year after Oklahoma was granted statehood, Booker T. Washington described the town's development. The large proportions of the northward and westward movement of the negro population recall the Kansas exodus of thirty years ago, when within a few months more than forty thousand helpless and destitute negroes from the country districts of Arkansas and Mississippi poured into eastern Kansas in search of "better homes, larger opportunities, and kindlier treatment." It is a striking evidence of the progress made in thirty years that the present northward and westward movement of the negro people has brought into these new lands, not a helpless and ignorant horde of black people--but land-seekers and home-builders, men who have come prepared to build up the country. In the thirty years since the Kansas exodus the southern negroes have learned to build schools, to establish banks and conduct newspapers. They have recovered something of the knack for trade that their foreparents in Africa were famous for. They have learned through their churches and their secret orders the art of corporate and united action. This experience has enabled them to set up and maintain in a raw western community, numbering 2,500, an orderly and self-respecting government. In the fall of 1905 I spent a week in the Territories of Oklahoma and Indian Territory. During the course of my visit I had an opportunity for the first time to see the three races--the negro, the Indian, and the white man--living side by side, each in sufficient numbers to make their influence felt in the communities of which they were a part, and in the Territory as a whole. . . . One cannot escape the impression, in traveling through Indian Territory, that the Indians, who own practically all the lands, and until recently had the local government largely in their own hands, are to a very large extent regarded by the white settlers, who are rapidly filling up the country, as almost a negligible quantity. To such an extent is this true that the Constitution of Oklahoma, as I understand it, takes no account of the Indians in drawing its distinctions among the races. For the Constitution there exist only the negro and the white man. The reason seems to be that the Indians have either receded--"gone back," as the saying in that region is on the advance of the white race, or they have intermarried with and become absorbed with it. Indeed, so rapidly has this interma.

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Bolsonaro and Brazil's Illiberal Backlash Wendy Hunter, Timothy J. Power Journal of Democracy, Volume 30, Number 1, January 2019, pp. 68-82 (Article) Published by Johns Hopkins University Press DOI: For additional information about this article Access provided at 11 Apr 2019 16:33 GMT from University of Toronto Library https://doi.org/10.1353/jod.2019.0005 https://muse.jhu.edu/article/713723 https://doi.org/10.1353/jod.2019.0005 https://muse.jhu.edu/article/713723 Bolsonaro and Brazil’s illiBeral Backlash Wendy Hunter and Timothy J. Power Wendy Hunter is professor of government at the University of Texas at Austin. Her works include The Transformation of the Workers’ Party in Brazil, 1989–2009 (2010). Timothy J. Power is head of the Oxford School of Global and Area Studies and professor of Latin American politics at the University of Oxford. Most recently, he is coauthor of Coalitional Presidentialism in Comparative Perspective: Minority Presi- dents in Multiparty Systems (2018). On 28 October 2018, Brazilian voters delivered a sweeping victory to presidential candidate Jair Bolsonaro, putting the far-right populist at the helm of the world’s fourth-largest democracy. After a raucous campaign in which the former army captain demonized his political op- ponents and promised to save the country from total ruin, Bolsonaro handed a stinging defeat to the left-leaning Workers’ Party (PT), which had governed Brazil from 2003 to 2016. Social media, along with net- works of Pentecostal churches, helped to disseminate Bolsonaro’s in- cendiary messages and organize his broad multiclass following. After nearly clinching the presidency in the October 7 first round with over 46 percent of valid votes, Bolsonaro received 55.13 percent of the vote in the runoff (see Table on p. 70). The remaining 44.87 percent went to PT candidate Fernando Haddad—a last-minute substitute during the first round for popular former president Luiz Inácio Lula da Silva, who had been imprisoned since April 2018 on corruption charges linked to Brazil’s mammoth Operaç~ao Lava Jato (Operation Car Wash) scandal. In keeping with the polarizing tone of the campaign, the share of voters who cast ballots for each candidate closely approximated the share who expressed a strong antipathy toward the opposing candidate. Concurrent elections for the 513-member Chamber of Deputies, the lower house of the bicameral National Congress, saw a surge by Bolsonaro’s hitherto minuscule Social Liberal Party (PSL): This party went from winning only a single seat in 2014 to claiming 52 seats and the highest share of Journal of Democracy Volume 30, Number 1 January 2019 © 2019 National Endowment for Democracy and Johns Hopkins University Press 69Wendy Hunter and Timothy J. Power popular votes in 2018. Bolsonaro had joined the PSL—previously one of the nondescript “parties for rent” that help to populate Brazil’s fluid system—in 2018 merely to qualify for a.

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BoF Professional Member Exclusive: articles & analysis available only to you. View the archive. lg Professional ! CEO TALK Burberry Stops Destroying Product and Bans Real Fur A PR backlash enveloped Burberry following the revelation that it destroyed £28.6 million worth of unsold product last year. Now, the company is ending the practice and banning animal fur. In a global exclusive interview, BoF's Imran Amed sits down with Burberry CEO Marco Gobbetti to decode the thinking behind the move. BY IMRAN AMED SEPTEMBER 6, 2018 05:28 ACTION REQUIRED: You are currently missing out on important BoF Professional membership beneNts. Click here to rectify. LONDON, United Kingdom — Burberry is stopping its longstanding practice of destroying unsold product after a firestorm of negative press and social media posts in July. That month, it emerged that the British brand had destroyed £28.6 million ($36.8 million) worth of product — including clothing, accessories and perfume — in fiscal 2017/2018. The company has destroyed £105 million ($135 million) of unsold product in the last five years, a practice it has previously disclosed in its annual reports. Alongside the shift, Burberry is also banning the use of animal fur — including rabbit, fox, mink and Asiatic raccoon, as well as angora — in its runway collections, beginning with new chief creative officer Riccardo Tisci’s highly anticipated debut collection set to be unveiled on September 17 at London Fashion Week. Existing fur products will be phased out over time, however the brand will continue to sell products made with shearling. “Modern luxury means being socially and environmentally responsible. This belief is core to us at Burberry and key to our long-term success,” said chief executive Marco Gobbetti in a statement. But clearly, the negative publicity was a wake-up call for the British luxury behemoth. “We are in the midst of an environmental crisis exacerbated by the fashion industry,” read an open letter to Burberry from second-hand retailer ThredUp, which captured the sentiment of the backlash. “Fashion is now responsible for 10 percent of global carbon emissions and is projected to drain a quarter of the world’s carbon budget by 2050. We respect the desire to protect your brand image but discounting your product shouldn’t be scarier than setting it on fire.” Burberry is not the only fashion or luxury brand to have destroyed product. Last November, H&M was reported to have burned unsold products. According to the New York Times, Nike slashes its unsold sneakers. And, Richemont has reportedly destroyed more than £400 million worth of watches from high-end brands including Cartier and Jaeger-LeCoultre. Indeed, it is one of the industry’s dirty secrets that brands regularly destroy product to protect their intellectual property from counterfeiters and to limit the diminished brand perception that comes with disposing of excess stock through heavy discounting. Burberry says its new.

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Program code examples (known also as worked examples) play a crucial role in learning how to program. Instructors use examples extensively to demonstrate the semantics of the programming language being taught and to highlight the fundamental coding patterns. Programming textbooks allocate considerable space to present and explain code examples. To make the process of studying code examples more interactive, CS education researchers developed a range of tools to engage students in the study of code examples. These tools include codecasts (codemotion,codecast,elicasts), interactive example explorers (WebEx, PCEX), and tutoring systems (DeepTutor). An important component in all types of worked examples is code explanations associated with specific code lines or code chunks of an example. The explanations connect examples with general programming knowledge explaining the role and function of code fragments or their behavior. In textbooks, these explanations are usually presented as comments in the code or as explanations on the margins. The example explorer tools allow students to examine these explanations interactively. Tutoring systems, which engage students in explaining the code, use these model explanations to check student responses and provide scaffolding. In all these cases, to make a worked example re-usable beyond its presentation in a lecture, the explanations have to be authored by instructors or domain experts i.e., produced and integrated into a specific system. As the experience of the last 10 years demonstrated, these explanations are hard to obtain. Those already collected are usually “locked” in a specific example-focused system and can’t be reused. The purpose of this working group is to support broader re-used of worked examples augmented with explanations. Our current plan is to develop а standard approach to represent explained examples. This approach will enable an example created for any of the existing systems to be explored in a standard format and imported into any other example-focused system. We plan to follow a successful experience of the PEML working group focused on re-using programming exercises.

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1. Bob and Lisa are both married, working adults. They both plan for retirement and consider the $2,000 annual contribution a must. First, consider Lisa's savings. She began working at age 20 and began making an annual contribution of $2,000 at the first of the year beginning with her first year. She makes 13 contributions. She worked until she was 32 and then left full time work to have children and be a stay at home mom. She left her IRA invested and plans to begin drawing from her IRA when she is 65. Bob started his IRA at age 32. The first 12 years of his working career, he used his discretionary income to buy a home, upgrade the family cars, take vacations, and pursue his golfing hobby. At age 32, he made his first $2,000 contribution to an IRA, and contributed $2,000 every year up until age 65, a total of 33 years / contributions. He plans to retire at age 65 and make withdrawals from his IRA. Both IRA accounts grow at a 7% annual rate. Do not consider any tax effect. Write a two to three (2-3) paragraph summary in which you: Create a chart summarizing the details of the investment for both Bob and Lisa. Explain the results in terms of time value of money.

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