·   This section of the personal financial plan looks at alternative investment selections and the impact of time value of money on working toward your financial goals. Specifically address the following required elements: · Discuss the importance of ethics when working with financial planning professions (you can do some of this yourself, but you may also wish to hire a professional). · Explain the concept of return on investment and identify what part it will play in your financial plan. · Explain risk vs. reward related to your personal financial goals. · Explain how savings and investing are impacted by the time value of money. · Describe how interest rates impact time value of money calculation (use time value of money concepts and calculation to plan your savings and investing part of your financial planning goals, show examples with calculations). Part II · Assume you have reached a point in your life where you have a budget, your cash inflows and outflows are matched to the point where your bills are getting paid; you have an emergency fund to cover contingencies; and your overall needs of your family are being met.  Over the years, you have accumulated $100,000 that is currently sitting in a savings account earning very little interest.  You have determined it is time to begin a structured approach to investing and need to allocate this $100,000 lump sum. You have also determined you may have $1,000 a month additional to invest. In order to establish how you will invest the $100,000, and in what terms, you must address the following: · 7. What is the goal? (Send my daughter to college); (retire comfortably)(The purpose for this money ultimately) 7. What is your risk tolerance? (Where do you fall on the risk continuum from conservative>some risk>above average risk>aggressive) Upon determining your answers to the above questions, determine the make-up of your investment portfolio. How would you determine what types of investments are appropriate? What specific investments would you put in your portfolio? Why? If you can average 8% annual rate of return on the $100,000, how much would you have when you turn age sixty-five? Following the 5-step critical thinking problem solving process, determine what you would do in the situations outlined above. Title ABC/123 Version X 1 Week One Quiz PSY/340 Version 5 4 University of Phoenix MaterialWeek One QuizMultiple Choice Choose the correct option for each question. 1. Chromosomes consist of large, double-stranded molecules of a. deoxyribonucleic acid. b. ribonucleic acid. c. autosomal genes. d. recombination genes. 2. Which of the following is NOT one of the many ways that genes can affect behavior? a. Genes may affect neurotransmitter levels or receptors. b. Genes can act indirectly by making it more likely you will be raised in a particular environment. c. Genes themselves cause behavior without any influence of the environment. d. Genes produce proteins that may make it more l.

1. ·
This section of the personal financial plan looks at alternative
investment selections and the impact of time value of money on
working toward your financial goals. Specifically address the
following required elements:
· Discuss the importance of ethics when working with financial
planning professions (you can do some of this yourself, but you
may also wish to hire a professional).
· Explain the concept of return on investment and identify what
part it will play in your financial plan.
· Explain risk vs. reward related to your personal financial
goals.
· Explain how savings and investing are impacted by the time
value of money.
· Describe how interest rates impact time value of money
calculation (use time value of money concepts and calculation
to plan your savings and investing part of your financial
planning goals, show examples with calculations).
Part II
· Assume you have reached a point in your life where you have
a budget, your cash inflows and outflows are matched to the
point where your bills are getting paid; you have an emergency
fund to cover contingencies; and your overall needs of your
family are being met. Over the years, you have accumulated
$100,000 that is currently sitting in a savings account earning
very little interest. You have determined it is time to begin a
structured approach to investing and need to allocate this
$100,000 lump sum. You have also determined you may have
$1,000 a month additional to invest. In order to establish how
you will invest the $100,000, and in what terms, you must
address the following:
·
7. What is the goal? (Send my daughter to college); (retire
comfortably)(The purpose for this money ultimately)

2. 7. What is your risk tolerance? (Where do you fall on the risk
continuum from conservative>some risk>above average
risk>aggressive)
Upon determining your answers to the above questions,
determine the make-up of your investment portfolio. How would
you determine what types of investments are appropriate? What
specific investments would you put in your portfolio? Why? If
you can average 8% annual rate of return on the $100,000, how
much would you have when you turn age sixty-five?
Following the 5-step critical thinking problem solving process,
determine what you would do in the situations outlined above.
Title
ABC/123 Version X
1
Week One Quiz
PSY/340 Version 5
4
University of Phoenix MaterialWeek One QuizMultiple Choice
Choose the correct option for each question.
1. Chromosomes consist of large, double-stranded molecules of
a. deoxyribonucleic acid.
b. ribonucleic acid.
c. autosomal genes.
d. recombination genes.
2. Which of the following is NOT one of the many ways that
genes can affect behavior?

3. a. Genes may affect neurotransmitter levels or receptors.
b. Genes can act indirectly by making it more likely you will be
raised in a particular environment.
c. Genes themselves cause behavior without any influence of the
environment.
d. Genes produce proteins that may make it more likely for a
person to become addicted.
3. Nerves from the central nervous system convey information
to the muscles and glands by way of the
a. autonomic nervous system.
b. somatic nervous system.
c. sympathetic nervous system.
d. parasympathetic nervous system.
4. When researchers try to estimate the heritability of a human
behavior, what are the main kinds of individuals they consider?
a. Twins and adopted children
b. People from non-western cultures
c. Newborns and infants
d. Uneducated people living in educated societies
5. The sweat glands, adrenal glands, and muscles that constrict
blood vessels have input from only the ____ nervous system.
a. sympathetic
b. parasympathetic

4. c. central
d. dorsal root
6. The temporal lobe of the cerebral cortex is the primary target
for which kind of sensory information?
a. somatosensory, including touch
b. the simplest aspects of vision
c. gustatory
d. auditory
7. Suppose a virus damaged only the dorsal roots of the spinal
cord, but not the ventral roots. What would happen to the
sensory and motor abilities of the affected area?
a. Loss of sensation, but preserved motor control
b. Loss of both sensation and motor control
c. Loss of motor control, but preserved sensation
d. Unaffected sensation and motor control
8. Units of heredity that maintain their structural identity from
one generation to another are
a. enzymes.
b. mutations.
c. nucleic acids.
d. genes.

5. 9. Color vision deficiency is more common in males than in
females because it is controlled by a
a. sex-limited gene.
b. Y-linked gene.
c. dominant X-linked gene.
d. recessive X-linked gene.
10. The central nervous system is composed of
a. the brain and spinal cord.
b. all the nerves outside the brain and spinal cord.
c. the sympathetic and parasympathetic nervous systems.
d. the somatic and autonomic nervous systems.
11. Almost all humans have 23 pairs of which of the following?
a. RNA
b. Chromosomes
c. Genes
d. Corduroys
12. In one family, all three children are homozygous for a
recessive gene. What can be concluded about the parents?
a. Each parent is also homozygous for the recessive gene.
b. Each parent is heterozygous.
c. One parent is homozygous for the dominant gene; the other is
homozygous for the recessive gene.

6. d. Each parent is either homozygous for the recessive gene or
heterozygous.
13. If the spinal cord is cut at a given segment, the brain loses
sensation at
a. that segment only.
b. that segment and all segments above it.
c. that segment and all segments below it.
d. all other segments.
14. Changes in single genes are called
a. alterations.
b. mutations.
c. mendelians.
d. enzymes.
15. Cortical blindness may result from the destruction of
a. any part of the cortex.
b. the occipital cortex.
c. the parietal cortex.
d. the central sulcus.
16. Damage to the ____ often causes people to lose their social
inhibitions and to ignore the rules of polite conduct.
a. corpus callosum

7. b. cerebellum
c. prefrontal cortex
d. striate cortex
17. If a trait has high heritability
a. hereditary differences account for none of the observed
variations in that characteristic within that population.
b. the environment cannot influence that trait.
c. it is still possible for the environment to influence that trait.
d. the trait is not influenced by heredity.
18. If a person has difficulty determining which of two rhythms
is faster, it is likely that she suffered damage to the
a. cerebellum.
b. forebrain.
c. tectum.
d. medulla.
19. Recessive genes manifest their effects only when the
individual is ____ for them.
a. sex limited
b. homo sapien
c. homozygous
d. heterozygous

8. 20. An impairment of eating, drinking, temperature regulation,
or sexual behavior suggests possible damage to which brain
structure?
a. Midbrain
b. Hippocampus
c. Hypothalamus
d. CerebellumTrue or False
Choose whether each statement is true or false.
1. Researchers have found specific genes linked to certain
specific behaviors.
a. True
b. False
2. The parasympathetic nervous system activates the fight–or-
flight response.
a. True
b. False
3. A strand of DNA serves as a model for the synthesis of RNA
molecules.
a. True
b. False
4. A tract in the spinal cord would most likely be found in the
white matter.

9. a. True
b. False
5. The limbic system is important for motivation and emotional
behaviors.
a. True
b. False
Short Answer
Answer the following questions in 50 to 100 words each.
1. What are the four lobes of the brain? What is each lobe
responsible for?
2. What makes a behavior hereditary? What factors influence
the heritability of behaviors?
Copyright © XXXX by University of Phoenix. All rights
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Copyright © 2015, 2014, 2013 by University of Phoenix. All
rights reserved.
PART IV-
This section of the personal financial plan looks at alternative
investment selections and the impact of time value of money on
working toward your financial goals. Specifically address the
following required elements
· Discuss the importance of ethics when working with financial
planning professions (you can do some of this yourself, but you
may also wish to hire a professional).
· Explain the concept of return on investment and identify what
part it will play in your financial plan.

10. · Explain risk vs. reward related to your personal financial
goals.
· Explain how savings and investing are impacted by the time
value of money.
· Describe how interest rates impact time value of money
calculation (use time value of money concepts and calculation
to plan your savings and investing part of your financial
planning goals, show examples with calculations).
Part II
· Assume you have reached a point in your life where you have
a budget, your cash inflows and outflows are matched to the
point where your bills are getting paid; you have an emergency
fund to cover contingencies; and your overall needs of your
family are being met. Over the years, you have accumulated
$100,000 that is currently sitting in a savings account earning
very little interest. You have determined it is time to begin a
structured approach to investing and need to allocate this
$100,000 lump sum. You have also determined you may have
$1,000 a month additional to invest. In order to establish how
you will invest the $100,000, and in what terms, you must
address the following:
·
7. What is the goal? (The purpose for this money ultimately)
(Daughter college fund & comfortable retirement.)
7. What is your risk tolerance? (Where do you fall on the risk
continuum from conservative>some risk>above average
risk>aggressive)
Upon determining your answers to the above questions,
determine the make-up of your investment portfolio. How would
you determine what types of investments are appropriate? What
specific investments would you put in your portfolio? Why? If
you can average 8% annual rate of return on the $100,000, how
much would you have when you turn age sixty-five?
Following the 5-step critical thinking problem solving process,
determine what you would do in the situations outlined above.