The document is Nick Kwasiborski's career portfolio from Northwood University which includes his resume, samples of his work such as financial analyses and a business plan, as well as a recommendation letter and information about awards he has received. The portfolio is intended to represent the work Nick has done in pursuing his major in finance over the past four years in order to help him find a career in the financial field.
This annual report summarizes Owens & Minor's financial and operational performance in 2007. Some key points:
- Revenue grew 22.9% to $6.8 billion, fueled by a strategic acquisition and strong organic growth.
- Net income increased 49.1% to $72.7 million.
- The company continued investing in infrastructure to support future growth while reducing long-term debt.
- Stock price increased 35.7% in 2007, outperforming major indices and industry peers.
This 401(k) savings calculator allows users to model 401(k) contributions and returns over time. It calculates that with a starting balance of $0, 10% annual contributions from age 35-64 at a 6% average annual return, the estimated 401(k) balance after 30 years would be $675,139, including $263,693 in total contributions. The summary also provides projected ending salary, annual salary increases, employer matching rates, and investment return assumptions.
This document outlines a presentation on sustainable planning for healthcare. It discusses defining sustainability and the environmental context facing the healthcare system. It then covers the key components of successful planning, including time, people, money, energy, and physical assets. Finally, it provides three case studies as examples: 1) market reform initiatives at a community hospital, 2) physician integration strategies, and 3) energy innovation projects including a wind turbine and fan-wall technology.
1) The Ivanovs, a Russian family living in Moscow, are feeling the effects of the 2008 economic crisis on their finances and lifestyle.
2) While families in large cities like Moscow and St. Petersburg were less impacted, those in smaller towns saw greater declines in income and purchasing power.
3) In response to financial constraints, the Ivanovs cut back on entertainment, travel, and non-essential purchases, and became more rational in their shopping behavior.
The Simmons Bedding Company’s Wellness Journey - John Clifton, Simmons Beddin...HR Network marcus evans
John Clifton, Simmons Bedding Company - Speaker at the marcus evans Mid-Market Corporate Benefits Summit in Las Vegas delivered his presentation entitled The Simmons Bedding Company’s Wellness Journey
Retirement Planning – Nearing the finish (Investors 50+ yrs)BeManaged
The document provides information for retirement planning for investors over 50 years old. It discusses focusing investments on retirement through taxable savings accounts like 401ks and IRAs. It emphasizes taking responsibility for one's own retirement, creating a unique retirement vision, and the importance of compound growth over time through consistent contributions. It also addresses managing spending, understanding 401k options like traditional versus Roth, and common myths about retirement accounts. The focus is on helping attendees better understand retirement investments and scheduling personal consultations to create customized retirement plans.
Swdbank's First Quarter 2013 Results Presentation from thenalysts Conference ...Swedbank
Swedbank reported its first quarter 2013 results. Net interest income was stable at SEK 3.3 billion, while net commissions grew to SEK 1.6 billion. Digital banking usage continued to increase rapidly, with over 1.3 million mobile bank users. Retail banking results were stable, while large corporates saw lower activity levels. The Baltic banking business focused on cost reductions. Overall, the group reported robust earnings of SEK 3.9 billion and maintained a strong capital position with a Basel III common equity tier 1 capital ratio of 16.4%. Asset quality remained high across all business segments.
The document provides information on the 2011 annual appeal results for the Diocese of Charleston, including participation rates, donor retention rates, revenue retention rates, and average gift amounts. It then discusses using segmentation tools to analyze donors and prospects to create targeted fundraising strategies. These include identifying top prospects based on likelihood and capacity scores, developing solicitation strategies and communications plans tailored for different prospect groups, and evaluating results and return on investment. The case study shows the appeal achieved solid growth in results compared to previous years through the use of segmentation and targeted fundraising.
This annual report summarizes Owens & Minor's financial and operational performance in 2007. Some key points:
- Revenue grew 22.9% to $6.8 billion, fueled by a strategic acquisition and strong organic growth.
- Net income increased 49.1% to $72.7 million.
- The company continued investing in infrastructure to support future growth while reducing long-term debt.
- Stock price increased 35.7% in 2007, outperforming major indices and industry peers.
This 401(k) savings calculator allows users to model 401(k) contributions and returns over time. It calculates that with a starting balance of $0, 10% annual contributions from age 35-64 at a 6% average annual return, the estimated 401(k) balance after 30 years would be $675,139, including $263,693 in total contributions. The summary also provides projected ending salary, annual salary increases, employer matching rates, and investment return assumptions.
This document outlines a presentation on sustainable planning for healthcare. It discusses defining sustainability and the environmental context facing the healthcare system. It then covers the key components of successful planning, including time, people, money, energy, and physical assets. Finally, it provides three case studies as examples: 1) market reform initiatives at a community hospital, 2) physician integration strategies, and 3) energy innovation projects including a wind turbine and fan-wall technology.
1) The Ivanovs, a Russian family living in Moscow, are feeling the effects of the 2008 economic crisis on their finances and lifestyle.
2) While families in large cities like Moscow and St. Petersburg were less impacted, those in smaller towns saw greater declines in income and purchasing power.
3) In response to financial constraints, the Ivanovs cut back on entertainment, travel, and non-essential purchases, and became more rational in their shopping behavior.
The Simmons Bedding Company’s Wellness Journey - John Clifton, Simmons Beddin...HR Network marcus evans
John Clifton, Simmons Bedding Company - Speaker at the marcus evans Mid-Market Corporate Benefits Summit in Las Vegas delivered his presentation entitled The Simmons Bedding Company’s Wellness Journey
Retirement Planning – Nearing the finish (Investors 50+ yrs)BeManaged
The document provides information for retirement planning for investors over 50 years old. It discusses focusing investments on retirement through taxable savings accounts like 401ks and IRAs. It emphasizes taking responsibility for one's own retirement, creating a unique retirement vision, and the importance of compound growth over time through consistent contributions. It also addresses managing spending, understanding 401k options like traditional versus Roth, and common myths about retirement accounts. The focus is on helping attendees better understand retirement investments and scheduling personal consultations to create customized retirement plans.
Swdbank's First Quarter 2013 Results Presentation from thenalysts Conference ...Swedbank
Swedbank reported its first quarter 2013 results. Net interest income was stable at SEK 3.3 billion, while net commissions grew to SEK 1.6 billion. Digital banking usage continued to increase rapidly, with over 1.3 million mobile bank users. Retail banking results were stable, while large corporates saw lower activity levels. The Baltic banking business focused on cost reductions. Overall, the group reported robust earnings of SEK 3.9 billion and maintained a strong capital position with a Basel III common equity tier 1 capital ratio of 16.4%. Asset quality remained high across all business segments.
The document provides information on the 2011 annual appeal results for the Diocese of Charleston, including participation rates, donor retention rates, revenue retention rates, and average gift amounts. It then discusses using segmentation tools to analyze donors and prospects to create targeted fundraising strategies. These include identifying top prospects based on likelihood and capacity scores, developing solicitation strategies and communications plans tailored for different prospect groups, and evaluating results and return on investment. The case study shows the appeal achieved solid growth in results compared to previous years through the use of segmentation and targeted fundraising.
The document discusses Nicholas Schummer's career development presentation. The presentation includes sections on goals, career, resume, letters of recommendation, and work examples. It shows Nicholas' accomplishments in college and goals for his career in financial services after graduation, including obtaining a job in the industry and eventually opening his own financial planning office.
Business Opportunity for a service that is only $5 monthly for unlimited storage space for all types of digital electronic files (video, documents, etc.)
The document introduces CDHC 2.0 as an evolution of consumer-directed healthcare that aims to address the shortcomings of earlier models. It discusses how CDHC 2.0 establishes a partnership between employers and employees to share responsibility for managing healthcare costs through benefit designs that incentivize healthy lifestyles and value-based care. The model is presented as a sustainable approach that ties future benefit levels to actual healthcare cost performance and promotes health among employees.
The document introduces CDHC 2.0 as an evolution of consumer-directed healthcare that aims to address the shortcomings of earlier models. It discusses how CDHC 2.0 establishes a partnership between employers and employees to share responsibility for managing healthcare costs through benefit designs that incentivize healthy lifestyles and value-based care. The model is presented as a sustainable approach that ties future benefit levels to the ability of employees to control costs through the tools and resources provided.
The document introduces CDHC 2.0 as an evolution of consumer-directed healthcare that aims to address the shortcomings of earlier models. It discusses how CDHC 2.0 establishes a partnership between employers and employees to share responsibility for managing healthcare costs through benefit designs that incentivize healthy lifestyles and value-based care. The model is presented as a sustainable approach that ties future benefit levels to actual healthcare cost performance and promotes health among employees.
This business plan proposes establishing a youth sports academy called Sport Evolution Academy. The summary provides the following key details:
- The academy will serve female athletes ages 12-18 in the Chicagoland area, offering individual and group training programs in various sports.
- Financial projections estimate over $333,000 in annual sales by year three, with a net income of over $20,000 in the first year of operation.
- The management structure includes a director, facility manager, office manager, program leaders, and trainers. Partnerships with AAU and local sponsors will provide financial and marketing support.
- An analysis of demographic and economic factors in the target region indicates a market opportunity,
Mass affluent lead gen and web based marketing for financial professionalsLoic Jeanjean
- The document discusses mass affluent lead generation and web-based marketing strategies presented by Frank Troise and Loic Jeanjean.
- It outlines opportunities to increase client lifetime value by over 600%, lower marketing costs by over 90%, and improve client communications through an online lead generation process.
- The key steps of the proposed process are: 1) providing valuable online content as outreach, 2) including a clear call to action, 3) ensuring prospects can easily find your information, and 4) contacting leads quickly through phone and autoresponders.
CrowdFunder LV is a Las Vegas-based startup founded in 2011 by Dominique Remy that provides a website and mobile app allowing users to discover local experiences through customized checklists. The company has 5 employees, has raised $10,000 in initial funding, and is seeking $250,000 in a Series A round. Key metrics for 2012 include $102,100 in revenue, $136,400 in net income, 62,966 monthly page views, and 2,734 total active users. The document outlines CrowdFunder's growth strategy for 2013 including developing mobile apps, improving its technology infrastructure, expanding into new regions, and hiring additional staff.
How Much and By When? Essentials of ROI-Driven Enrollment MarketingLipman Hearne Inc.
What you need to know to reach optimal enrollment, effect a turnaround, enhance retention, and launch new programs or campuses. This presentation explores the issues and opportunities.
- Employee Benefits Management provides employee benefits consulting and facilitates a health insurance cooperative to obtain competitive group health benefits through volume purchasing.
- The cooperative offers reduced overhead costs and risk elimination by spreading risk among members. It guarantees rates and provides refunds on unused premiums.
- As of 2010, the cooperative had 82 employer members and over $6 million in premiums collected, with $750,000 in claims paid out, resulting in a $567,000 surplus refund to members that year.
The Willmar Experience - Changing Chamber Dues to Change Cultureiowachamberexecs
This document outlines Ken Warner's experience changing his chamber of commerce's membership structure from a traditional dues model to a tiered membership model. He found the traditional model was outdated, members did not see value, and it was difficult to retain members and convince them to renew. After research, focus groups, and testing new tiers and bundles, Ken launched a tiered membership program that offered different levels of benefits based on investment. This resulted in a 23% increase in revenue and over 90% member retention rates as members now saw better value for their investment. The process took over a year but paying attention to member needs and testing helped create a successful new membership model.
The Willmar Experience - Changing Chamber Culture by Changing DuesDowell Management
This document outlines Ken Warner's experience changing his chamber of commerce's membership structure from a flat dues model to a tiered model with bundled benefits. He found the flat model was outdated and members did not see clear value. After extensive research and testing new models, Ken worked with a committee to develop a tiered program with bundled benefits priced at different levels. This new structure increased revenue by 23% and improved member retention to over 90%. The lessons learned were that change takes significant work but results in a better value proposition for members.
Pareto Fundraising Getting The Most By Getting It Monthly 2010 JgWWF-Australia
The document discusses strategies for successful monthly giving fundraising programs. It covers recruitment of monthly donors through acquisition, conversion, and reactivation efforts. Key aspects of recruitment include investment, understanding channels, proposition, testing, and benchmarks. Retention focuses on personalization, feedback, and understanding attrition drivers. Growth is discussed through continued asking, understanding relative value, and upgrading donors. Overall, the presentation emphasizes the power of monthly giving programs and provides actionable strategies for recruitment, engagement, retention, and leveraging more value from monthly donors.
The document appears to be a portfolio from Lawrence Samuels including details about his skills in corporate valuation, accounting, statistics, and additional tools. It includes a case study and analysis of Thumbs Up Corporation, a company that launched two projects to generate buzz about new products and establish a customer base. Samuels provides forecasts and analyses of Thumbs Up Corporation's sales, budgets, expansion projects, and marketing strategies.
Crowdfunding is a method of raising capital by collecting small amounts of money from a large number of people online. It is linked to social media as projects can go viral and gain support. Successful crowdfunding campaigns typically have clear reward tiers, engage their existing community, carefully select their project and platform, and develop a publishing plan to promote their campaign. Kirsty Burnham from SoLoCo will discuss her experience with crowdfunding and take questions.
Measuring Meaning In Social Media (Web Visions)Ryan Turner
The document discusses measuring the value and impact of social media initiatives. It emphasizes focusing on quality over quantity by defining value-focused quality measures of success. It also stresses the importance of understanding users and creating value for them in order to avoid common reasons why most social media initiatives fail. Quantifying the value of web channels and behaviors can help optimize efforts.
The compensation plan document summarizes the compensation structure for SkyAllianz, a multi-level marketing company. There are 4 leadership positions that can be obtained - District Manager, Regional Manager, National Manager, and Vice President. Partners earn money through customer acquisition bonuses, bounty commissions from sales, residual commissions, and position bonuses. The plan emphasizes building a team by sponsoring new partners each month to leverage growth over time through duplication.
Kane Russell discusses how to create effective SMS calls to action. He outlines four key ingredients: 1) compliance with regulations, 2) incentives to motivate consumers, 3) clarity to avoid confusion, and 4) a mobile-specific strategy. An effective call to action also requires a "secret sauce" of aligning with the brand's overall strategy. He provides examples and emphasizes that SMS is best used to enhance cross-channel mobile experiences.
The document discusses Nicholas Schummer's career development presentation. The presentation includes sections on goals, career, resume, letters of recommendation, and work examples. It shows Nicholas' accomplishments in college and goals for his career in financial services after graduation, including obtaining a job in the industry and eventually opening his own financial planning office.
Business Opportunity for a service that is only $5 monthly for unlimited storage space for all types of digital electronic files (video, documents, etc.)
The document introduces CDHC 2.0 as an evolution of consumer-directed healthcare that aims to address the shortcomings of earlier models. It discusses how CDHC 2.0 establishes a partnership between employers and employees to share responsibility for managing healthcare costs through benefit designs that incentivize healthy lifestyles and value-based care. The model is presented as a sustainable approach that ties future benefit levels to actual healthcare cost performance and promotes health among employees.
The document introduces CDHC 2.0 as an evolution of consumer-directed healthcare that aims to address the shortcomings of earlier models. It discusses how CDHC 2.0 establishes a partnership between employers and employees to share responsibility for managing healthcare costs through benefit designs that incentivize healthy lifestyles and value-based care. The model is presented as a sustainable approach that ties future benefit levels to the ability of employees to control costs through the tools and resources provided.
The document introduces CDHC 2.0 as an evolution of consumer-directed healthcare that aims to address the shortcomings of earlier models. It discusses how CDHC 2.0 establishes a partnership between employers and employees to share responsibility for managing healthcare costs through benefit designs that incentivize healthy lifestyles and value-based care. The model is presented as a sustainable approach that ties future benefit levels to actual healthcare cost performance and promotes health among employees.
This business plan proposes establishing a youth sports academy called Sport Evolution Academy. The summary provides the following key details:
- The academy will serve female athletes ages 12-18 in the Chicagoland area, offering individual and group training programs in various sports.
- Financial projections estimate over $333,000 in annual sales by year three, with a net income of over $20,000 in the first year of operation.
- The management structure includes a director, facility manager, office manager, program leaders, and trainers. Partnerships with AAU and local sponsors will provide financial and marketing support.
- An analysis of demographic and economic factors in the target region indicates a market opportunity,
Mass affluent lead gen and web based marketing for financial professionalsLoic Jeanjean
- The document discusses mass affluent lead generation and web-based marketing strategies presented by Frank Troise and Loic Jeanjean.
- It outlines opportunities to increase client lifetime value by over 600%, lower marketing costs by over 90%, and improve client communications through an online lead generation process.
- The key steps of the proposed process are: 1) providing valuable online content as outreach, 2) including a clear call to action, 3) ensuring prospects can easily find your information, and 4) contacting leads quickly through phone and autoresponders.
CrowdFunder LV is a Las Vegas-based startup founded in 2011 by Dominique Remy that provides a website and mobile app allowing users to discover local experiences through customized checklists. The company has 5 employees, has raised $10,000 in initial funding, and is seeking $250,000 in a Series A round. Key metrics for 2012 include $102,100 in revenue, $136,400 in net income, 62,966 monthly page views, and 2,734 total active users. The document outlines CrowdFunder's growth strategy for 2013 including developing mobile apps, improving its technology infrastructure, expanding into new regions, and hiring additional staff.
How Much and By When? Essentials of ROI-Driven Enrollment MarketingLipman Hearne Inc.
What you need to know to reach optimal enrollment, effect a turnaround, enhance retention, and launch new programs or campuses. This presentation explores the issues and opportunities.
- Employee Benefits Management provides employee benefits consulting and facilitates a health insurance cooperative to obtain competitive group health benefits through volume purchasing.
- The cooperative offers reduced overhead costs and risk elimination by spreading risk among members. It guarantees rates and provides refunds on unused premiums.
- As of 2010, the cooperative had 82 employer members and over $6 million in premiums collected, with $750,000 in claims paid out, resulting in a $567,000 surplus refund to members that year.
The Willmar Experience - Changing Chamber Dues to Change Cultureiowachamberexecs
This document outlines Ken Warner's experience changing his chamber of commerce's membership structure from a traditional dues model to a tiered membership model. He found the traditional model was outdated, members did not see value, and it was difficult to retain members and convince them to renew. After research, focus groups, and testing new tiers and bundles, Ken launched a tiered membership program that offered different levels of benefits based on investment. This resulted in a 23% increase in revenue and over 90% member retention rates as members now saw better value for their investment. The process took over a year but paying attention to member needs and testing helped create a successful new membership model.
The Willmar Experience - Changing Chamber Culture by Changing DuesDowell Management
This document outlines Ken Warner's experience changing his chamber of commerce's membership structure from a flat dues model to a tiered model with bundled benefits. He found the flat model was outdated and members did not see clear value. After extensive research and testing new models, Ken worked with a committee to develop a tiered program with bundled benefits priced at different levels. This new structure increased revenue by 23% and improved member retention to over 90%. The lessons learned were that change takes significant work but results in a better value proposition for members.
Pareto Fundraising Getting The Most By Getting It Monthly 2010 JgWWF-Australia
The document discusses strategies for successful monthly giving fundraising programs. It covers recruitment of monthly donors through acquisition, conversion, and reactivation efforts. Key aspects of recruitment include investment, understanding channels, proposition, testing, and benchmarks. Retention focuses on personalization, feedback, and understanding attrition drivers. Growth is discussed through continued asking, understanding relative value, and upgrading donors. Overall, the presentation emphasizes the power of monthly giving programs and provides actionable strategies for recruitment, engagement, retention, and leveraging more value from monthly donors.
The document appears to be a portfolio from Lawrence Samuels including details about his skills in corporate valuation, accounting, statistics, and additional tools. It includes a case study and analysis of Thumbs Up Corporation, a company that launched two projects to generate buzz about new products and establish a customer base. Samuels provides forecasts and analyses of Thumbs Up Corporation's sales, budgets, expansion projects, and marketing strategies.
Crowdfunding is a method of raising capital by collecting small amounts of money from a large number of people online. It is linked to social media as projects can go viral and gain support. Successful crowdfunding campaigns typically have clear reward tiers, engage their existing community, carefully select their project and platform, and develop a publishing plan to promote their campaign. Kirsty Burnham from SoLoCo will discuss her experience with crowdfunding and take questions.
Measuring Meaning In Social Media (Web Visions)Ryan Turner
The document discusses measuring the value and impact of social media initiatives. It emphasizes focusing on quality over quantity by defining value-focused quality measures of success. It also stresses the importance of understanding users and creating value for them in order to avoid common reasons why most social media initiatives fail. Quantifying the value of web channels and behaviors can help optimize efforts.
The compensation plan document summarizes the compensation structure for SkyAllianz, a multi-level marketing company. There are 4 leadership positions that can be obtained - District Manager, Regional Manager, National Manager, and Vice President. Partners earn money through customer acquisition bonuses, bounty commissions from sales, residual commissions, and position bonuses. The plan emphasizes building a team by sponsoring new partners each month to leverage growth over time through duplication.
Kane Russell discusses how to create effective SMS calls to action. He outlines four key ingredients: 1) compliance with regulations, 2) incentives to motivate consumers, 3) clarity to avoid confusion, and 4) a mobile-specific strategy. An effective call to action also requires a "secret sauce" of aligning with the brand's overall strategy. He provides examples and emphasizes that SMS is best used to enhance cross-channel mobile experiences.
LinkedIn Strategic Guidelines for June 2024Bruce Bennett
LinkedIn is a powerful tool for networking, researching, and marketing yourself to clients and employers. This session teaches strategic practices for building your LinkedIn internet presence and marketing yourself. The use of # and @ symbols is covered as well as going mobile with the LinkedIn app.
LinkedIn for Your Job Search June 17, 2024Bruce Bennett
This webinar helps you understand and navigate your way through LinkedIn. Topics covered include learning the many elements of your profile, populating your work experience history, and understanding why a profile is more than just a resume. You will be able to identify the different features available on LinkedIn and where to focus your attention. We will teach how to create a job search agent on LinkedIn and explore job applications on LinkedIn.
We recently hosted the much-anticipated Community Skill Builders Workshop during our June online meeting. This event was a culmination of six months of listening to your feedback and crafting solutions to better support your PMI journey. Here’s a look back at what happened and the exciting developments that emerged from our collaborative efforts.
A Gathering of Minds
We were thrilled to see a diverse group of attendees, including local certified PMI trainers and both new and experienced members eager to contribute their perspectives. The workshop was structured into three dynamic discussion sessions, each led by our dedicated membership advocates.
Key Takeaways and Future Directions
The insights and feedback gathered from these discussions were invaluable. Here are some of the key takeaways and the steps we are taking to address them:
• Enhanced Resource Accessibility: We are working on a new, user-friendly resource page that will make it easier for members to access training materials and real-world application guides.
• Structured Mentorship Program: Plans are underway to launch a mentorship program that will connect members with experienced professionals for guidance and support.
• Increased Networking Opportunities: Expect to see more frequent and varied networking events, both virtual and in-person, to help you build connections and foster a sense of community.
Moving Forward
We are committed to turning your feedback into actionable solutions that enhance your PMI journey. This workshop was just the beginning. By actively participating and sharing your experiences, you have helped shape the future of our Chapter’s offerings.
Thank you to everyone who attended and contributed to the success of the Community Skill Builders Workshop. Your engagement and enthusiasm are what make our Chapter strong and vibrant. Stay tuned for updates on the new initiatives and opportunities to get involved. Together, we are building a community that supports and empowers each other on our PMI journeys.
Stay connected, stay engaged, and let’s continue to grow together!
About PMI Silver Spring Chapter
We are a branch of the Project Management Institute. We offer a platform for project management professionals in Silver Spring, MD, and the DC/Baltimore metro area. Monthly meetings facilitate networking, knowledge sharing, and professional development. For more, visit pmissc.org.
Joyce M Sullivan, Founder & CEO of SocMediaFin, Inc. shares her "Five Questions - The Story of You", "Reflections - What Matters to You?" and "The Three Circle Exercise" to guide those evaluating what their next move may be in their careers.
I am an accomplished and driven administrative management professional with a proven track record of supporting senior executives and managing administrative teams. I am skilled in strategic planning, project management, and organizational development, and have extensive experience in improving processes, enhancing productivity, and implementing solutions to support business objectives and growth.
Khushi Saini, An Intern from The Sparks Foundationkhushisaini0924
This is my first task as an Talent Acquisition(Human resources) Intern in The Sparks Foundation on Recruitment, article and posts.
I invitr everyone to look into my work and provide me a quick feedback.
3. Introduction
• This portfolio is a representation of the work I have done
throughout my college career
• I have been pursuing a major in finance over the past four
years at Northwood University.
4. Goals
• Find a career with a reputable company that fosters
growth from within
• Continuously educate myself in the field of finance and
stay current with news in the business world
• Continually gain responsibilities within the company I work
at and gradually earn promotions to help make the
company I work for more profitable.
5. Resume
• Nick Kwasiborski
• (248) 762-8724 ▪ Kwasiborskin@Northwood.edu
• School Address (Thru 5/10/12): 5220 Hedgewood Dr., Apt. 301 | Midland, MI 48640
• Permanent Address: 202 Dustin Lane | Ortonville, MI 48462
•
• EDUCATION
• Northwood University – Midland MI
• Bachelor of Business Administration – Finance May 2014
• Cumulative GPA: 3.77/4.00
• Scholarship: Northwood University Freedom Scholarship awarded on academic merit
•
• Financing over 80% of education through work, scholarships and loans
•
• PROFESSIONAL ASSOCIATIONS
• Northwood University Finance Association 2010 – Present
•
• Business Professionals of America (BPA) 2009 – Present
• 2012 & 2013 State Champion – Small business management
•
• LICENSE
• State of Michigan Life, Health and Accident License December 2011 – Present
•
• PROFESSIONAL EXPERIENCE
• Administrative Assistant
• Alden B. Dow Center for Creativity and Enterprise – Midland, MI August 2012 – Present
• Manage and maintain annual Family Business Survey that is administered to freshman on three residential campuses (FL, MI and TX); adopted questions for survey, distribute, collect and record feedback in MS Excel
spreadsheet, and report findings to the Director
• Assume lead on research and specialty projects administered by Director on behalf of Northwood University and affiliates
• Effectively manage time while balancing work with full-time college courses, leadership and volunteer activities while maintaining a strong GPA
•
• Financial Representative Intern
• Northwestern Mutual – Grand Blanc, MI December 2011 – December 2012
• Completed training and earned State of Michigan Life, Health and Accident License which authorized me to sell a variety of insurance products
• Demonstrated professionalism with strong communication, interpersonal and sales skills to conduct calls within my “warm” market to generate business opportunities
• § Collaborated effectively with mentors, colleagues and prospective clients
•
• Entrepreneurial Development Internship
• Student Painters – Macomb, MI Summer 2011
• Controlled all aspects of starting up and running my own painting business and grossed
• $40,000 within 3 months of employment
• Conducted interviews, hired and trained 10 student workers to assist on client projects
• Supervised each project and handled any reprimands or terminations deemed necessary
• with team members
• Communicated effectively to employees and customers
•
• LEADERSHIP
• Kappa Sigma Fraternity
2010 – Present
• § Founding Father of the Northwood University Kappa Sigma Chapter
•
• VOLUNTEER
• Camp Centar (Children’s Cancer Camp), Relay for Life, Circle K, American Red Cross
6. Recommendation Letter
• January 18, 2013
•
• Regarding: Internship
• Mr. Nicholas Kwasiborski
•
• To Whom It May Concern:
• Nicholas Kwasiborski is applying for the position of intern within your company. Nick is a
shining example of a competent and efficient finance student at Northwood
University, Midland, Michigan. He completes his assignments on time and attends any
activity that Northwood University offers in respect to guest speakers, and willingly tackles
any extra credit activity on campus. He is a very analytical person which is ideal in a finance
environment. He will prove to be an asset to your company. Nick works well in a team
environment and will encourage his team towards excellence.
• I strongly recommend this candidate for the internship position; please contact me directly for
further discussion.
• Dr. Diana Webb
• Diana Webb, Ph.D.
• Associate Professor of Finance
• Northwood University
• webbd@northwood.edu
• dwebb@metlife.com
7. Samples of Work
Starting Dividend Dividends Reinvested # of Dividend Reinvested Value with Reinvested New # of
Company Ticker Price # of Shares Final Value % of Total Yield Dividend Stocks Stock Price Current Price Current Value Total Gain % Gain Dividends Shares
$ $ $ $ $ $ $
Hewlett-Packard HPQ 16.36 611 9,995.96 10.00% 0.53 323.83 18.48 23.79 $14,535.69 $4,539.73 45.42% 14,975.33 629.48
$ $ $ $ $
AT&T T 34.78 287 9,981.86 9.98% 1.80 516.60 #DIV/0! 36.67 $10,525.67 $543.81 5.45% #DIV/0! #DIV/0!
$ $ $ $ $
Johnson & Johnson JNJ 74.49 134 9,981.66 9.98% 2.44 326.96 #DIV/0! 81.55 $10,927.70 $946.04 9.48% #DIV/0! #DIV/0!
$ $ $ $ $
Verizon VZ 43.81 228 9,988.68 9.99% 2.06 469.68 #DIV/0! 48.97 $11,165.73 $1,177.05 11.78% #DIV/0! #DIV/0!
$ $ $ $ $
General Electric GE 22.42 450 10,089.00 10.09% 0.76 342.00 #DIV/0! 23.14 $10,413.00 $324.00 3.21% #DIV/0! #DIV/0!
$ $ $ $ $
Mcdonald's MCD 94.72 106 10,040.32 10.04% 3.08 326.48 #DIV/0! 99.61 $10,558.66 $518.34 5.16% #DIV/0! #DIV/0!
$ $ $ $ $
DuPoint DD 47.70 209 9,969.30 9.97% 1.72 359.48 #DIV/0! 49.12 $10,266.08 $296.78 2.98% #DIV/0! #DIV/0!
$ $ $ $ $
Intel INTC 21.31 468 9,973.08 9.97% 0.90 421.20 #DIV/0! 21.83 $10,216.44 $243.36 2.44% #DIV/0! #DIV/0!
$ $ $ $ $
Pfizer Inc. PFE 27.65 361 9,981.65 9.98% 0.96 346.56 #DIV/0! 28.85 $10,414.02 $432.37 4.33% #DIV/0! #DIV/0!
$ $ $ $ $
Merck MRK 43.66 229 9,998.14 10.00% 1.72 393.88 #DIV/0! 44.05 $10,087.45 $89.31 0.89% #DIV/0! #DIV/0!
$ $
99,999.65 3,826.67 $109,110.44 $9,110.79 #DIV/0!
Quarterly $
Dividend 956.67
Total Gain $9,110.79 9.11%
Company Earnings Date
HPQ 2/21/2013
T 4/23/2013
jnj
vz 4/18/2013
ge 4/19/2013
mcd
dd
intc 4/16/2013
pfe
mrk
8. Samples of Work
Discount Rate 12.00%
Growth rate 3.00%
Req. Return 12.00%
PV of Reversion
NOI PV of NOI Reversion Value Total PV's
Value
$
1 $892,857.14 $892,857.14
1,000,000.00
$
2 $797,193.88 $797,193.88
1,000,000.00
$
3 $711,780.25 $711,780.25
1,000,000.00
$
4 $762,621.69 $762,621.69
1,200,000.00
$
5 $709,283.57 $709,283.57
1,250,000.00
$
6 $658,620.46 $658,620.46
1,300,000.00
$ $
7 $605,695.60 $6,931,849.64 $7,537,545.24
1,339,000.00 15,324,111.11
$
8
1,379,170.00
Total Value $12,069,902.23
Terminal Cap Rate 9.00%
Going In Cap Rate 8.29%
9. Samples of Work
Company Ticker Starting Price # of Shares Final Value % of Total Beta Weighted Beta Ticker Current Price Current Value Total Gain % Gain
$ $ $
Questar STR 23.46 341.0059676 8,000.00 8% 0.46 0.04 STR 24.25 $8,269.39 $269.39 3.37%
$ $ $
Harbor Bond HABDX 12.54 1754.385965 22,000.00 22% 0.7 0.15 HABDX 12.57 $22,052.63 $52.63 0.24%
$ $ $
Harbor Real Return HARRX 11.15 1793.721973 20,000.00 20% 1.18 0.24 HARRX 11.18 $20,053.81 $53.81 0.27%
$ $ $
T. Rowe Price Short Term Bond PRWBX 4.84 2066.115702 10,000.00 10% 0.18 0.02 PRWBX 4.84 $10,000.00 $0.00 0.00%
$ $ $
Harbor Commodity Real Return HACMX 6.99 715.3075823 5,000.00 5% 1.02 0.05 HACMX 7.18 $5,135.91 $135.91 2.72%
$ $ $
Dodge and Cox Stock DODGX 131.55 38.00836184 5,000.00 5% 1.16 0.06 DODGX 134.75 $5,121.63 $121.63 2.43%
$ $ $
Drefus Appreciation DGAGX 46.18 108.2719792 5,000.00 5% 0.87 0.04 DGAGX 47.08 $5,097.44 $97.44 1.95%
$ $ $
Harbor International HAINX 63.47 78.77737514 5,000.00 5% 1.04 0.05 HAINX 63.02 $4,964.55 $35.45 -0.71%
$ $ $
Loomis Sayles Bond LSBRX 15.14 330.2509908 5,000.00 5% -0.21 -0.01 LSBRX 15.22 $5,026.42 $26.42 0.53%
$ $ $
Royce Total Return RYTRX 14.64 341.5300546 5,000.00 5% 1 0.05 RYTRX 15.00 $5,122.95 $122.95 2.46%
$ $ $
Vanguard GNMA VFIIX 10.87 459.9816007 5,000.00 5% 0.66 0.03 VFIIX 10.85 $4,990.80 $9.20 -0.18%
$ $ $
Vanguard Total Stock Market Index VTSMX 38.32 130.480167 5,000.00 5% 1.04 0.05 VTSMX 39.24 $5,120.04 $120.04 2.40%
$
100,000.00 $100,955.58 $955.58
Total Gain $955.58 0.96%
10. Samples of Work
Penetration Rate MI Penetration Rate
Year 1 1.50% 0.50%
Year 2 3.50% 1.00%
Year 3 6.00% 1.75%
Year 4 7.25% 2.75%
year 5 8.00% 3.50%
Households with Propane
Outside of Michigan 13,449,000 Michigan Users 891,000.00
Units MI Profit MI Units Profit
$ $
Market Volume year 1 13,365.00 64,152.00 67,245.00 322,776.00
$ $
Market Volume year 2 31,185.00 149,688.00 134,490.00 645,552.00
$ $
Market Volume year 3 53,460.00 256,608.00 235,357.50 1,129,716.00
$ $
Market Volume year 4 64,597.50 310,068.00 369,847.50 1,775,268.00
$ $
Market Volume year 5 71,280.00 342,144.00 470,715.00 2,259,432.00
Total Units Total Profit Total Revenue
$ $
Market Volume year 1 80,610.00 386,928.00 1,676,688.00
$ $
Market Volume year 2 165,675.00 795,240.00 3,446,040.00
$ $
Market Volume year 3 288,817.50 1,386,324.00 6,007,404.00
$ $
Market Volume year 4 434,445.00 2,085,336.00 9,036,456.00
$ $
Market Volume year 5 541,995.00 2,601,576.00 11,273,496.00
11. Samples of Work
• Nick Kwasiborski
• Development of Economic Thought
• Test #1
• Question 1: Plato and Aristotle held significantly different views on the nature and role of private
property in society. Explain their conflicting views, and how it related to their conception of human nature.
•
• Plato and Aristotle’s view on the nature and role of private property in society differed from each
other. Plato believed that there existed a hierarchy of values which was the soul, the body, and wealth, in
that order. That means that material wealth and private property were something that Plato did not believe
in. Plato believed that private property would then tempt man to pursue, what he believed was the lowest
value to man, wealth. Plato believed that people should live together in a common area and would share
everything and be equal to one another. Basically a socialistic society is what Plato envisioned to be the
best for man.
• Aristotle on the other hand differed from Plato. Aristotle thought that man possesses a human
nature that can’t be molded to conform to an ideal of a perfect state populated by perfect people the way
his teacher, Plato, believed. Aristotle argued that if all land was held in common and all work was
performed jointly there existed the potential for animosity and anger among the participants. Men would
then feel that they have not received what was theirs when work and reward was not strictly enforced, the
way it is with private property. Aristotle saw property rights as an incentive. With the ownership of private
property people will then feel that they will get to keep the fruits of their labor, which breeds production.
Aristotle also believed that private property also would lead to an attitude of generosity towards others.