The document is a presentation by Travis Richard highlighting his work and talents obtained throughout his years at Northwood University. It includes an introduction, goals, resume, reference list, awards and accomplishments, and work samples including a finance spreadsheet and ethics essay. Travis is currently a senior pursuing a Bachelor's of Business Administration in finance and his goals include finishing his degree, beginning his career in finance, broadening his skills, and eventually becoming a CEO of a Fortune 500 company.

1. Travis Richard
Northwood University
Bachelor’s of Business Administration (Expected 2015)
Finance Major

2. Table of Contents
Introduction……………………………...Slide 3
Goals…………………………………….......Slide 4
Résumé…………………………………......Slide 5
Reference List…………………………....Slide 6
Awards & Accomplishments………Slide 7
Work Samples
Finance Spreadsheet…………………..Slide 8
Ethics Essay…………………………….....Slide 9

3. Introduction
I have created this presentation to highlight some of
my greatest work and talents obtained throughout my
years at Northwood University.
Currently in my senior year, my focus has been to
achieve my Bachelor’s of Business Administration with
a major in finance.

4. Goals
Within one year, my goal is to finish my college career in
May and beginning my career in finance.
I expect to remain fully focused and fully engaged in
market affairs while broadening my skillset as I progress
further into the finance world.
I will use my skills to my greatest ability in order to achieve
my utmost potential.
I plan to grow to be a large member of my community
through volunteer work and donations to great causes.
Eventually use everything that I’ve learned to reach the
ultimate goal of being a CEO of a Fortune 500 company.

5. Travis Richard
11814 Frost Road Freeland, MI 48623 │ 989-293-4708 │ richardt@northwood.edu
CAREER OBJECTIVE
Professional Position in Corporate Finance
EDUCATION
Pursuing Bachelor of Business Administration in Finance May 2015 (Expected)
NORTHWOOD UNIVERSITY, Midland, Michigan
GPA: 3.676/4.0
Scholarships: Northwood University Presidential Scholarship, Business Professionals of America, BAC
Local 2
Financing 90% of education through work, scholarships, and financial aid
PROFESSIONAL SKILLS PROFILE
Two years of work experience in combination with strong academic training and credentials in:
• Financial Analysis & Reporting
• General Ledger & Cash Reconciliation
• Accounts Payable & Accounts Receivable
• Corporate Banking & Asset Leasing
• Cash Handling
• Microsoft Office Proficiency
• Economic & Demographic Analysis
• Budget & Cost Analysis
• Project & Team Leadership
• Communication & Customer Relations
• Sales & Cross-selling
• Marketing & Management Techniques
EMPLOYMENT EXPERIENCE
Sales Associate June 2014 – Present
Sears Holding Corporation
Midland, Michigan
Part-time base plus commission sales position in the tools, lawn and garden, and sporting goods
departments at one of the nation’s most widely known retail sales companies. Providing utmost customer
support is essential, making certain each member walks away satisfied with the answers and products
needed to help the members’ needs.
 Received two manager recognitions within first two weeks of hire.
 Never earned below perfect scores from member feedback surveys.
 Reached my personal daily sales goal over 95% of the time.
Team Manager August 2014 – Present
Northwood University, Women’s Volleyball
Midland, Michigan
Part-time permanent staff position in management for the women’s volleyball team for Northwood
University. Assist in practice and matches to collect and record statistical data making certain to
determine areas of strengths and weaknesses to allow coaching staff to address opportunities to improve
weaknesses.
 Highlighted areas of weakness and where change was needed, helping to turn season around.
 Received manager recognition for excellent statistics and ideas to address change.
Clubhouse Office Manager July 2012 – June 2014
Twin Bridges Golf Course
Merrill, Michigan
Part-time permanent staff position with one of the region’s primal new golf courses. Instrumental in
providing stellar customer support, guaranteeing each golfer values their round. Ensuring the clubhouse
and course are in the utmost condition. Assure all customers and employees appreciate their experience.
• Recruited 27 new golfers to make Twin Bridges Golf Course their home course.
• President of the Friday night scramble golf league for 2 years.
• Earned a promotion within first two weeks of hire and a second promotion after one year for excellent
work ethic and reliability.
Résumé

6. References for Travis Richard
11814 Frost Road
Freeland, MI 48623
(989) 781-2554
travisrichard014@yahoo.com
Mr. Walter Kramer, Volunteer Leader
352 N. Maple Street
Hemlock, MI 48626
(989) 642-8092
Mr. Ronald Kunold, Coach
1058 Richland E
Hemlock, MI 48626
(989) 642-8815
Mr. Dennis Witherspoon, Finance Professor
Northwood University
4000 Whiting Street
Midland, MI 48640
(989) 837-4827

7. Awards & Accomplishments
Dean’s List – 4 Semesters
President’s List – 1 Semester
Community Service Award Letter
Northwood Presidential Scholarship
Business Professionals of America Scholarship
BAC Local 2 Scholarship
2nd place State, 9th place National for Business
Professionals of America’s Small Business
Management Team

8. Finance Excel Project
Before Tax Cash Flows
0 1 2 3 4 5 6
Equity $ (2,820,579.19) $ -
BTCF Operations $ (1,006,501.54) $ 253,841.02 $ 408,228.96 $ 570,969.13 $ 742,517.10
BTCF Sale $ 6,399,243.47
Total $ (2,820,579.19) $ - $ (1,006,501.54) $ 253,841.02 $ 408,228.96 $ 570,969.13 $ 7,141,760.56
Taxable Income
Net Operating Income $ 668,850.00 $ 1,929,192.56 $ 2,083,580.51 $ 2,246,320.67 $ 2,417,868.64
Less: Interest $ 1,512,796.68 $ 1,492,180.65 $ 1,468,950.00 $ 1,442,773.12 $ 1,413,276.35
Depreciation
Capital Improvements $ 362,272.50 $ 362,272.50 $ 362,272.50 $ 362,272.50 $ 362,272.50
Tenant Improvements $ 362,272.50 $ 258,766.07 $ 184,832.91 $ 132,023.51 $ 94,302.50
Amortization
Construction Loan Fee $ 253,590.75 $ - $ - $ - $ - $ -
Permanent Loan Fee $ 31,698.84 $ 31,698.84 $ 31,698.84 $ 31,698.84 $ 31,698.84
Taxable Income $ (253,590.75) $ (1,600,190.52) $ (215,725.50) $ 35,826.26 $ 277,552.71 $ 516,318.44
Tax $ (71,005.41) $ (448,053.35) $ (60,403.14) $ 10,031.35 $ 77,714.76 $ 144,569.16
After Tax Cash Flows
Total BTCF $ (2,820,579.19) $ - $ (1,006,501.54) $ 253,841.02 $ 408,228.96 $ 570,969.13 $ 7,141,760.56
Less: Tax $ (71,005.41) $ (448,053.35) $ (60,403.14) $ 10,031.35 $ 77,714.76 $ 1,765,077.09
ATCF $ (2,820,579.19) $ 71,005.41 $ (558,448.20) $ 314,244.16 $ 398,197.61 $ 493,254.37 $ 5,376,683.47
Required Rate of Return 16.00%
BTIRR 16.14%
BTNPV $ 22,638.77
BTNPV
ATIRR 13.77%

9. Ethics of Abortion Essay
Ethics of Abor t ion
For more than three decades, Amer icans have been deeply pola r ized over the
issue of abor t ion. While the deba t e on abor t ion involves secula r ist s a s well a s people
of every religious t radit ion, the issue ha s become la rgely fought over among
Chr ist ians because of st rong views on both sides. Genera lly, the deba t e ha s been
ca s t in t er m s of “p r o-life” views a n d “p r o-ch oice” views , bu t it is clea r ly a m u ch m or e
complex issue for Chr ist ians.
The lega lity of abor t ion wa s confirmed in 1973 when the Unit ed St a t es
Supreme Cour t st ruck down a Texa s st atut e tha t prohibit ed abor t ion procedures, no
ma t ter how medica lly urgent they might be. This decision, commonly refer red t o
as Roe v. Wade, is the most impor t ant lega l milestone in the debat e. In it s decision,
the Cour t a cknowledged tha t it cannot rule a s t o when life begins, since even those
in medicine, theology, and philosophy have no consensus on this ma t t er .
Chr ist ian pro-life advoca t es insist tha t a ll human life is sa cred and tha t
human life begins a t the moment of concept ion. From the point of view of pro-life
Ch r is t ia n s , Am er ica ’s a bor t ed fet u s es a r e u n bor n ba bies wh o a r e k illed t h r ou gh t h e
process. As Pope J ohn Paul II st at ed it , “Th e lega liza t ion of t h e t er m in a t ion of
pregnancy is none other than the author izat ion given t o an adult , with the approva l
of an established law, t o t ake the lives of children yet unborn and thus incapable of
d efen d in g t h em s elves ” (Paul, 1994). The most voca l opposit ion to abor t ion ha s come
from the Roman Ca tholic Church and from evangelica l Chr ist ians, including
a ct ivist groups such a s Opera t ion Rescue. The presumpt ion is tha t there should be

10. Connections
Please feel free to connect with me on LinkedIn as
well.
Thank you for reviewing.