Results from the Choi et al 2002 study on 401k automati.pdf

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Results from the Choi et al. (2002) study on 401(k) automatic enrollment are consistent with many individuals behaving in accordance with the predictions of neoclassical models of consumption smoothing. saving too little due to present bias. not paying attention to their savings or procrastinating about savings decisions. All of the above. Question 4 1 pts Results from the Chetty (2009) study on individuals who moved from firms without 401(k) automatic enrollment to firms with 401(k) automatic enrollment suggest that employer-provided savings plans crowd out other savings for retirement, such that individuals do not ultimately end up with greater wealth at retirement when at a firm with automatic enrollment. most individuals respond passively to changes in employer plan settings. employer-provided savings plans with automatic enrollment decrease individuals' overall savings rates, leaving them at greater risk for having too little savings at retirement. All of the above..

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Conference 5, Chapter 4 CIO Best Practices & Rubric Actions for Conference 5, Chapter 4 CIO Best Practices & Rubric Must post first. Going green. You could easily be very cycnical on the one hand, or very Pollyannish on the other regarding this chapter. My first reaction, frankly, was that Stenzil included it in the book because it was the correct thing to do. I really doubt that "green" is a self-conscious act of the executive to save the planet. Much of what we read in this chapter arises because the technology has presented itself, and there is a business case to be made for using it; virtualized servers is an example. I operate a virtualized computing environment because it is cheaper and easier to maintain. Many organizations have shifted to low energy fluorescent lighting. LED lighting will come into vogue as well when the cost comes down. What is the CIO's concern with "going green"? Do the benefits out weigh the costs at some point? If you are interested, you can introduce other "green" technologies to the discussion. Nanotechnologies are very prevalent in these conversations. Classmates Responses Brief of Articles Chapter 4: Leading with Green – Expanding the CIO’s Role in Eco-Efficient Information Technology Adoption The main purpose of the article is to present Green IT business suggestions. Going green has five dimensions: 1) maximizing data center efficiencies, 2) encouraging policy controls for desktops and reducing printing, 3) considering energy efficiency, tax incentives and other incentives, recycling, less packaging, etc. in IT procurement processes, 4) decreasing the carbon-footprint and increasing the silicon-footprint, and 5) delivering shareholder value (Betancourt and Farrell, 2011). The authors make the case that the CIO is well positioned to lead the enterprise in developing a Green IT strategy, due to the fact that the CIO has responsibility for high energy producing assets like data centers (Betancourt and Farrell, 2011). Plus, the CIO typically plays a leadership role in both transformation and best practices (Betancourt and Farrell, 2011). Two focus areas of the CIO for enterprise green initiatives are: 1) promote the enterprise initiatives, and 2) measure and validate the IT performance for the initiatives (Betancourt and Farrell, 2011). The CIO will need commitment from the other executives in the C-suite, and engagement from the employees (Betancourt and Farrell, 2011). Betancourt and Farrell (2011) provide five areas for the CIO’s Green IT agenda: 1) end user working practices like teleworking and turning off assets not in use, 2) energy-efficient office equipment, 3) office infrastructure/data center optimization like virtualization and consolidation, 4) procurement green requirements for suppliers and products, and 5) corporate citizenship policies to encourage employee engagement, mitigate risk, assure compliance, and communicate performance outside of the enterprise. While there are altruistic reasons f.

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Risk proferences Sharon Smith the financial manager for Bar.pdf

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Risk Management Following are the main risks that Itrustu Insurance plans for mitigating against: - Cyber threats (hacking, spam or fraud, malware, ransomware, phishing, confidentiality, data or Identity theft and others) - Loss of IT, telephony and/or network communications for longer than one day -Flood that causes denial of access to a building - Loss of power - Snow storm The risk UT has not been anticipating in their Risk Management plan is pandemic Risk Management plan In Pandemic COVID-19 has changed the world and organizations need to upscale with the changing face of the world. Organizations not only needed to provide quick response and increase the availability of resources but should be able to incorporate the new NORMAL into their operations resiliently. The Pandemic has shifted all eyes to RM professionals and all the executives are looking for answers. This the real test of your Risk Management plan and response, do you have your processes automated, integrated work plans, communications and reporting that scale globally? On top of the current COVID-19 pandemic, the threat of a cyber-attack, natural disasters and breaches caused by third-party vendors are still growing. Its not enough to demonstrate you have a plan but to proof that it will work. The role of the Risk Management plan has evolved, and you must evolve with it. As you know , COVID-19 has been reported almost every single country across the globe. Itrustu is trying its best to come up with a comprehensive Risk Management plan and are working hard to develop a crisis leadership team responsible for pandemic plan implementation. The team should have representatives from the executive leadership and from each functional area in the organization including account management, business operations, communications, sales, human resources, marketing and last but not least the IT department. Top Ten Risks to Insurers Below is the list of the most critical risks identified by insurance companies in a recent survey: 1. Cybersecurity and cybercrime 2. Disruptive technology 3. Pricing and product line profit 4. Legislative and regulatory 5. IT/systems and tech gap 6. Interest rate change 7. Competition 8. Natural catastrophe 9. Climate change 10. Emerging risks (such as pandemic) The Main ITRUSTU Insurance Products 1. Car insurance 2. Travel insurance 3. Life insurance 4. Pension plans 5. Motorcycles RVs insurance 6 . Home Condo Renter insurance To complete a Risk Management plan for an insurance company five elements must be investigated. 1. People 2. Buildings/ infrastructures 3. Information 4. Technology 5. Suppliers The risk of unavailability of each of these elements must be analyzed and probabilities must be assigned to each of the threats. Template 5: Risk Response Undertaking the evaluation of the risk consequences for each of the significant risks and recording the results in Template 4 will enable the organization to decide what, if any, further actions are required. Tem.

Risk Management Following are the main risks that Itrustu In.pdf

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Rise of the Killer Virus, 2014 (46m) There may never be a virus as deadly or as misunderstood as AIDS. Responsible for 36 million deaths since its discovery in 1981, it remains shrouded in myths, misconceptions, and mistruths... until now. Scientists deep in the African Congo have discovered forgotten clues that are rewriting the story of the global pandemic and revealing shocking facts about its origins. Now the race is on to see if these new findings are the key to developing a vaccine that could finally win the epic battle against HIV. Film Reflection: Based on the investigation presented in the film, describe how European colonialism caused HIV to spread widely among humans.

Rise of the Killer Virus 2014 46m There may never be a vi.pdf

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Rio Olimpiyatlarnn Maliyeti Brezilya federal, eyalet ve yerel ynetimleri, 10'u Olimpiyatlardan sonra spor etkinlikleri iin kullanlacak olan 17 yeni Olimpiyat tesisi iin 2,8 milyar R$ ve zel sponsorlar 4,2 milyar R$ harcad. Rio Olimpiyatlarnn frsat maliyeti _______. A. 7,0 milyar R$ B. 4,2 milyar R$ ile satn alnacak mal ve hizmetler. Devlet harcamalar asla frsat maliyetine dahil edilmez C. Rio Olimpiyatlara ev sahiplii yapmasayd tesisler ina edilmeseydi 7,0 milyar R$ ile satn alnacak mal ve hizmetler D. Brezilya hkmeti bu paray yine de Brezilyal sporculara antrenman yapacaklar bir yer vermek iin harcam olsayd, 2,8 milyar R$ ile satn alnacak mal ve hizmetler.

Rio Olimpiyatlarnn Maliyeti Brezilya federal eyalet ve yer.pdf

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Ridges of growing bone surrounding a periosteal blood vessel on the outside surface of a bone describes which of the following? formation of the periosteal bud in endochondral ossification hematha formation in fracture healing formation of the primary ossification center of intramembranous ossification formation of a new osteon during appositional growthA hair follicle would be best described as: a lamellated corpuscle mixed fibroblasts cells wrapped into a cylinder a loose collection of mesenchymal and mixed connective tissue cells epiderinal/epithelial cells wrapped into a cylinder.

Ridges of growing bone surrounding a periosteal blood vessel.pdf

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Rick Hall owns a card shop. Hall's Cards. The following cash information is avallable for the month of August Year 1 : As of August 31, the bank statement shows a balance of $14,140. The August 31 unadjusted balance in the Cash account of Hall's Cards is $9,564. A review of the bank statement revealed the following information: 1. A deposit of $1,010 on August 31, Year 1, does not appear on the August bank statement. 2. It was discovered that a check to pay for baseball cards was correctly written and paid by the bank for $1,720 but was recorded on the books as $2, 620. 3. When checks written during the month were compared with those paid by the bank, three checks amounting to $4.765 were found to be outstanding. 4. A debit memo for $79 was included in the bank statement for the purchase of a new supply of checks. Required: Prepare a bank reconcillation at the end of August showing the true cash balance. Note: Negative amounts should be indicated with minus sign.Austin Company established a petty cash fund by issuing a check for $300 and appointing Steve Mack as petty cash custodian. Mack had vouchers for the following petty cash payments during the month; There was $21 of currency in the petty cash box at the time it was replenished. The four distinct accounting events affecting the petty cash fund for the period were (1) establishment of the fund, (2) reimbursements made to employees, (3) recognition of expenses (Note. all expenses are recorded in total as miscellaneous expense). and (4) replenishment of the fund. Assume the Company uses the traditional approach to petty cash expense recognition and replenishment. Required: a. Show each of the four events in a horizontal statements model. c. Identify the events depicted in Requirement a as asset source (AS), asset use (AU), asset exchange (AE), or claims exchange (CE). Complete this question by entering your answers in the tabs below.Complete this question by entering your answers in the tabs below. Show each of the four events in a horizontal statements model. Note: Enter amy decreases to account balances whth a minus sign. For changes on the 5 tatement of Cash Flows, indicate whether the item is an operating activity (OA), investing (IA), finanoing activity (FA), or leave the cell blank if there is no effect.Complete this question by entering your answers in the tabs below. Identify the events depicted in Requirement a as asset source (AS), asset use (AU), asset exchange (AE), or claims exchange (CE). Note: Select "NE" if there is no effect..

Rick Hall owns a card shop Halls Cards The following cash.pdf

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Richard has just been given a 4-question multiple-choice quiz in his history class. Each question has four answers, of which only one is correct. Since Richard has not attended class recently, he doesn't know any of the answers. Assuming that Richard guesses on all four questions, find the indicated probabilities. (Round your answers to three decimal places.) (a) What is the probability that he will answer all questions correctly? (b) What is the probability that he will answer.

Richard has just been given a 4question multiplechoice qui.pdf

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Rhythm for questions 1316 13 PR Interval 008sec 016sec .pdf

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