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Project #4 – Refinancing a Loan Background As contributors to the economy, by earning and spending money, it is important that we understand the math behind borrowing and repaying a loan. In this project we will explore the process of refinancing as a means to save money on interest. Instructions Work through the questions in this packet. Show all work in a clear and organized manner. Attach additional pages if necessary. Assignment Picture yourself in the future. You’ve earned your degree and graduated from college (woot!). You’ve been working for a few years at a stable job, putting aside money every month for retirement and your savings account. You’re at a point in your life where you are ready to make a big financial purchase, you’re ready to buy a home! 1. Using www.bankrate.com, determine the best available mortgage rate in your city (enter your zip code) for a 30 year mortgage on a $650,000 home with a 15% down payment. You may assume a credit score of 740+. Select the best rate (not APR) from your search results and record below. Rate:_______________ 2. Using the rate from above, determine your monthly mortgage payments Monthly Payment:__________________ 3. Congratulations, you’re a homeowner! You’ve purchased your home and have lived there for 5 years and 6 months. Every month you make your monthly payment and things are going well for you. Even better, the economy has changed and now interest rates are lower than they were when you purchased the home so you decide to refinance. Determine the unpaid balance on your mortgage at this point in time. This will be the amount you need to borrow when you refinance your mortgage. Unpaid Balance: ____________________ 4. Interest rates have decreased by 10%. What is your new interest rate? ○ Be careful, this is a percentage decrease. You should not just subtract 10 or 0.10 from your previous rate. New Rate:__________________ 5. You decide to refinance your loan and take out a 15 year mortgage at the new interest rate. How much is your new monthly payment? New Monthly Payment: _______________________ 6. How much have you saved in interest by refinancing your mortgage? Be careful, your original loan had more than 15 years remaining but your new loan has only 15 years remaining. Savings:______________________ 7. We will now verify your results using an online Amortization Calculator. Return to www.bankrate.com, and select Amortization Calculator under the Mortgages heading. Enter the amount, time, and rate for the original loan to begin with and click CALCULATE. Your monthly payments will appear on the side. Click Show Amortization Schedule to see the month-to- month breakdown of your loan payments over the entire term of the loan. ○ What is your monthly payment? Monthly Payment: ________________________ This should match your answer from #2. ○ Using the Balance column from the Amortization Schedule, what is your unpaid balance after 5 years and 6 months? Unpaid Balance: _______________________ This should match your answer from #3. c. Enter the information for your new loan (after refinancing) using the Unpaid Balance you found above for the Mortgage Amount for a 15 year loan at the new interest rate you found in #4. Click CALCULATE. What is your new monthly payment? Monthly Payment: _______________________ This should match your answer from #5. d. Using your answers from (a) and (c) above, determine how much you will save by refinancing your mortgage. Savings:________________________ This should match your answer from #6.

In order to pass this class, you can complete a research-based informative speech. The guidelines would be the same as those posted on Titanium. You will: 1 choose a topic related to course themes (ie. ethnic studies in high schools) 2. develop a research question (ie. Why is it important to have ethnic studies in high school?) 3. use the library portal to find 3 scholarly articles on the topic (peer reviewed articles) 4. find 2 additional sources of information (newspapers, internet articles, youtube, etc.) 5. Develop an informative speech outline (intro, thesis with 2-3 main points, main points with supporting materials, conclusion) 6. Practice delivering your speech

I am a biomedical engineering bachlor degree holder and currently in my masters in healthcare management. Thus, in need for a master thesis done with some topics that can connect both biomedical and medical management. Requirements, 1. I need a topic and a proposal (1-2 pages) 2. your quotation for the whole thesis with part by part payment. 3. reliability suggestions for area of interests, 1. issues faced by dialysis patients during covid pandemic or something based in dialysis (diaylsis was one of my interests during biomedical) 2. health logistics – issues in export of hydrocholoquine from india to different countries for treatment before covid and in present. 3. biomedical trade policies for different countries around the world. these are my suggestions but im open to any and all ideas.

On Truth Essay (45 points) – this is a CAPSTONE “final” essay (in lieu of a final exam) Go HERE to the module” Why Truth Matters. Review all of the videos there; Use the Media & Politics Reader (a PDF is there for you to use) to locate four (4) articles on the nature of truth Then in a Six to Eight page essay; craft an outline/ response to the videos and articles you chose; Four pages bulleted outlines – outlining and summarizing and highlighting the major points of the videos and articles you chose. Construct three “research” questions a narrow question with a testable hypothesis about the psychology of truth {e.g. truth embracing or truth denying} – a research study; a more broad question which suggests a psychological intervention to address problems in the question of why truth matters; an archival research question relative to explaining the current situation regarding the problematique of truth in the 21st century Then in a three page essay (one for each question) respond to these three questions with some initial “research” design ideas.

Learning objectives: •Critically assess and appraise the project management practices associated with a range of mega projects. •Critically appraise the scale, nature and paradox of mega projects •Effectively plan time-efficient and cost-effective strategies to evaluate, select, prioritize and manage multiple projects and programs. •Critically review and reflect on the outcomes of a range of mega projects •Consider sustainability, corporate social responsibility and ethics across the mega projects lifecycle. •Critically appraise the complexities of management of risk in mega projects. Assignment Coursework – Case study Case Online Pizza Ordering System in morocco You must have ordered your pizzas on phone for home delivery. The process seems easy to use but at times there is miscommunication. As there is no visual menu shown during a phone call, the employees have to repeat a lot of things again and again to the customers. It’s a time consuming process which at times irritates customers. Also it takes a lot of time of the pizzeria staff. It would be much more comfortable for the customers to have an online pizza ordering system. It would be hassle free for users as they can select the pizzas they want and make payment for it. Also it will reduce the purchasing time for customers. Let us look at another benefit of using this system. Suppose I go to a pizzeria and place an order. Even after ordering pizzas from their outlet, I have to wait at least 15 minutes for my order to be ready. Wouldn’t it be much more convenient if I ordered my pizzas before using a mobile app or an online system and then it will tell me the time by which I have to pick my order from their counter. It would be great for me as I don’t need to wait for my pizza. I need to reach there only when my pizza is ready. In a nutshell, we can say that improved and efficient services are provided to the customers by the inclusion of internet in your business. As a business point of view it gives you an edge over your competitors. Advantages •It overcomes all the problems of existing system. •Pizza can be order in more convenient way. •Payment can be easily done using various online mode or cash on delivery (COD). •It makes system very effective for ordering a pizza. •Admin can view sales report which can be helpful for decision making. •Easy add/update/delete process of pizza. Disadvantages •It requires a reliable internet connection. •System may provide inaccurate results if data not entered correctly. Written report Instructions After a long selection process, you are hired as a Project Manager for this exciting Journey with a a good compensation and you are to produce a client based report of 4000 words (10% +/-). You decide to hire a team and plan carefully to expose all uncertain aspects of your project and avoid expensive surprises later on. I need you to answer all queries below in details. Everything you write should be linked to the case and how you are planning to accomplish your objectives. Each question below is worth a mark. SIST is strict when it comes to Plagiarism which is the wrongful stealing and publication of another author’s language, thoughts, ideas, or expressions and the representation of them as your own original work. All questions should be linked to the Pizza project. Please note that Cardiff Met’s programs/modules are peer reviewed evidenced based with in-depth academic content and rigour. Questions and Marking Scheme: 15% of Total markReasons for the project. Explain as expressively as possible the ultimate, “big picture” vision and purpose of your completed endeavor. How will it look, feel, perform, increase productivity, help the end users, or otherwise benefit human kind?This initial summary of your report is generally considered the most important. Typically 1-2 pages long, It is is often written last, after the entire plan has been finalized, these are the topics that should be addressed in this section: 1.Project Description 2.Project Planning 3.What are you trying to achieve? 4.Product or service? 5.Highlights of every section 6.Financial Highlights 7.Your recommendations 25% of Total markObjectives and constraints of the project What are you trying to accomplish? List the project goals and objectives in terms that are clear, concise, achievable, and measurable.List and discuss in details project objectives. Please note that they must be measurable and realistic. You should talk briefly about budget, quality, and time to completion. 35% of Total markWho are the main stakeholders and beneficiaries? Examples of audiences or beneficiaries include: Clients, customers, employees, Top and Mid managaement, local communities, Government agencies, Food suppliers, Fresh produce farmers, and specific segments.The groups that have a role and interest in the objectives and implementation of a project; they include target groups, direct beneficiaries, those responsible for ensuring that the results are produced as planned, and those that are accountable for the resources that they provide to the above project 45% of Total markWill you be creating a product, strategy, or providing a service?Results of a project relative to its immediate objectives that are generated by the project outputs. 55% of Total markWhat Methodology will You Use? Will you start by researching your audiences’ needs? Will you use phases for design, development, implementation, pilot testing, and rollout?Methodology is expressed as a combination of related practices, methods and processes that determine how best •to plan – very critical •develop, •control •and deliver a project throughout the continuous implementation process until successful completion and termination. How will you handover? When and what training program will you suggest? 610% of Total markWill your project involve an implementation process that might occur over many man days or months? If so, what long-term phases are you anticipating? Are there critical milestones within these phases? Please create a detailed schedule for near- term tasks you will be performing? The schedule must be clear and real.1.Project identified 2.Include in master plan process (key) 3.Determine sponsorship – who from the Pizza entity is supporting you? 4.Develop the concept (key) 5.Determine who will do the work – scheduling resources 6.Get money 7.Find your team 8.Construct… 9.Control 75% of Total markAre there any benefits in teaming up with 3rd party partners/ consultants who can offer complementary strengths or a long-term track record in an important area? If yes, state what part of your project will require assistance?Do you anticipate joining forces with other organizations, consultants, or agencies to complete the project? If so, what experience, expertise, credibility, funding, or other benefits will each party bring to the table? 85% of Total markSpecial Equipment/ software – You may require setting up a technology infrastructure to create or deliver the products or services.Examples of items in your infrastructure might include: Servers, networks, software, Development language, computers and peripheral devices, and multimedia, sound, or video systems. You may require using a certain set of software tools or a specific set of templates or techniques. It’s important to specify these at the beginning so that everyone will be clear about what’s required. 95% of Total markWho will review and approve your Decisions? Is there a management committee appointed? Who? Will there be a clear process for submitting items for review and approval, and a set timeframe for receiving comments back?What protocol will you be using? Type of communication with project sponsor/ owner and team? 1010% of Total markTasks – Who Will Be Responsible for What? This aspect is especially important when multiple parties will contribute to the outcome, and even more so when they are dependent on one another.The tasks that you will allocate, are activities that need to be accomplished within a defined period of time or by a deadline to work towards work-related goals. A task can be broken down into assignments which should also have a defined start, end date, resource assigned and/or a deadline for completion. List your team and provide a Resource scheduling matrix 1115% of Total markRisks identified and to be managed Nothing is more difficult that anticipating, flagging, and managing potential risks to a project as a whole, or to the successful completion of your part of it.There are many types of risks that you should reflect on. Cost risk is a major one which can lead to an escalation of project costs due to poor cost estimating accuracy and scope creep. Schedule risk, is when activities will take longer than expected. You should list all risks based on pressures and discuss how to mitigate each. Risk matrix and management are needed here. 1210% of Total markGeneral overview of the budget – Financial analysis – This is very critical in a project management. An evaluation of your project’s profitability or cost-effectiveness relative to some alternative project or investment. I would like to understand how you obtained your project funds. Who did you have to convince? What did you sell them on the idea? A Project Budget when approved by management is the total amount of authorized financial resources allocated for purpose of the sponsored project for a specific period of time. It is the primary financial document that constitutes the necessary funds for implementing the project and producing the deliverables. I like to an ROI and pay back period in your financial analysis. 135% of Total markWhat open issues remain open? What issues and concerns remain after all topics above have been considered?You may be keeping a running list of unanswered questions and unknowns. What are these items, and how and when do you think they will be resolved? Do they present risks until they are answered? 1410% of Total markYour recommendation and conclusionYou are consultant and your recommendations are highly considered. This is where you differentiate yourself from others. Proposal for action to be taken in your specific circumstance, including the parties responsible for that action. You need to pronounce your strategy and opinion on how this project would progress and conclude. Please note that THE PIZZA COMPANY has invested thousands of Dollars for you to conduct this project and get some tangible and intangible returns. This is your chance to express your validated opinion. Don’t write generic and vague statements. Total = 100% General Feedback: Mark/Grade Scheme: 90 – 100In the work presented for assessment, students awarded marks within this band will in addition have demonstrated a full and detailed understanding of the set task and an ability to have met the learning outcomes and address the assessment criteria at an outstanding and exceptional level. 80 – 89. In the work presented for assessment, students awarded marks within this band will in addition have demonstrated a full and detailed understanding of the set task and an ability to have met the learning outcomes and address the assessment criteria at an excellent level. 70 – 79In the work presented for assessment, students awarded marks within this band will have demonstrated a full and detailed understanding of the set task and an ability to have met the learning outcomes and address the assessment criteria at a very good level. 60 – 69In the work presented for assessment, students awarded marks within this band will have demonstrated a full understanding of the set task and an ability to have met the learning outcomes and address the assessment criteria at a good level. 50 – 59In the work presented for assessment, students awarded marks within this band will have demonstrated a basic but secure understanding of the set task and an ability to have met the associated learning outcomes and address the threshold assessment criteria. 40 – 49The work presented for assessment is unsatisfactory overall. At the top end of the band, the standard of work might best be described as a ‘narrow fail’. Students awarded marks within this band will have demonstrated partial understanding of the set task and an ability to have met some of the associated learning outcomes at a basic level. However, attainment is uneven with some learning outcomes not met and some assessment criteria unaddressed. 20 – 39The work presented for assessment is poor overall and the standard of work across the band might best be described as a ‘clear fail’. Students awarded marks within this band will have demonstrated minimal understanding of the set task and will partially have met one or two learning outcomes. Many assessment criteria are unaddressed. 1 – 19The work presented for assessment may be very poor, incomplete and/or irrelevant and will demonstrates a serious lack of comprehension and/or engagement with the set task. Students awarded marks within this band may have misunderstood or misinterpreted the set task. No learning outcomes are met in full although there maybe minimal attainment in relation to one or two. 0%Zero will be awarded in cases where: i)no answer has been attempted; ii)an allegation of unfair practice has been substantiated by a Committee of Enquiry or Examination Board (including Fixed Penalty) and the original mark awarded has been cancelled. The award of zero in either case is considered to be a fail.

Macroeconomics Final Project Identify and if possible visually document something from your hometown that that upsets or irritates you. Research the economic costs of the issue. Research and provide possible solutions, and the economic costs associated with those solutions.

Take any modern psychological issue (e.g., psychotherapy vs. medication in treatment of mental illness, social media and self-esteem) and look at it from the perspective of two theorists in this course. The goal of this assignment is to learn about different sides of an argument from the perspectives of different theorists, and then to apply that knowledge to a pertinent topic in the present. You may write your paper as an actual debate, or simply write a traditional paper comparing and contrasting the different perspectives. The main goal is to be able to take knowledge learned in this course and to apply it to some more recent idea or issue. Remember to make your topic and your debate as specific as possible since this is only a 5-page paper.Feel free to choose any two theorists or theories discussed in the text. Just a few examples may be:Freud vs. Skinner on the causes and treatments of addictionErikson vs. Freud on social mediaSkinner vs. Rogers on parentingHorney vs. Freud on gender identity

After reading chapters 1, 2 and reviewing exhibit 1.2 Root’s The Canyon (page 15) in your textbook, what types of leaders do you believe are needed to work in the healthcare field? Secondly, as a student in a master’s health services administration program, think about what your goals are after graduation. What do you think you will need to do to prepare yourself for this field to reach your career goals?

Describe Micro-aggression or simply upset.

1. Describe and explain basic human and civil rights.2. Identify and explain ways to incorporate social justice practices in organization, instructions and society to ensure that basic human rights are distributed equitably and without prejudice.3. Analyze the impact of COVID-19 pandemic on underserved(poor) communities.Please subhead the questions.