Question 1: Term Structure of Interest Rates: Go to http://www.yieldcurve.com on the left hand side click on Yield Curves. This web site allows you to plot the yield curves for UK Gilts and US Treasuries for different periods. List the three facts about theterm structure ofinterest rates Select a period and print a plot of an upward yield curve. Make comments using the theories you studied about the term structure of interest rates.Select another period and print a plot of an inverted yield curve and make comments using the theories you studied about the term structure of interest rates.Compare, generally, between the UK Gilt and the US treasury yield curves in 2. And 3 citing the power of prediction of the theories of term structure of interest rates in predicting the 2008/2009 financial crisis. Question 2: The Office of the Superintendent of Financial Institutions (OSFI) is an independent agency of the Government of Canada, established in 1987 to contribute to the safety and soundness of the Canadian financial system. OSFI supervises and regulates federally registered banks and insurers, trust and loan companies, as well as private pension plans subject to federal oversight. Go to OSFI website (https://www.osfi-bsif.gc.ca/Eng/Pages/default.aspx) – under Financial Institutions – select Financial Data – select Bank.Populate the most recent consolidated balance sheet of the bank of your choice, and attach a printout. What is the total amount of loans held by the bank? Use “total currency”What is this number as a percentage of total bank assets?Calculate the Equity Multiplier.Would you buy the share of this bank as an investment? Explain Question 3: Bank AAA has $15 million of fixed-rate assets, $30 million of rate-sensitive assets, $25 million of fixed-rate liabilities, $20 million of rate-sensitive liabilities, 5 million of demand deposit, 10 million of securities, and 0.6 million of reserves. Assume that the required reserve is 10%. Reflect the above information in a T account. How much is the Net worth?Calculate the required reserve andthe excess reserve if any,Conduct a gap analysis for the bank, and show what will happen to bank income if interest rates rise by 5%?What would happen if the interest rates fall by 5%?What actions should the bank manager take if interest rates are expected to fall?
ECON 3307 Saint Marys University Money and Banking Economics Discussion
Take time this week for three entries – half page each.Ideas you might try:Write a brief description of your hometown – as if it were the setting for a work of fiction.Develop the following sentence, supplying details that locate the action in time and place: She left the freeway and drove into a small town, where she stopped at the first restaurant she saw and ordered lunch. (Clue: the setting is the restaurant.)Study a famous painting or sculpture. Describe what you think is happening. Explore the feelings and thoughts of a character or creature pictured.
Write a brief description of your hometown – as if it were the setting for a work of fiction, Journal Entry
Real Estate Sector in Dubai Research Paper
Real Estate Sector in Dubai Research Paper. Real estate in Dubai is supported by both the government and private sector. The government, through various programmes, organises affordable and suitable housing for its citizens. The Sheikh Zayed Housing Programme, established in 1999, provides interest free loans and non-refundable grants for constructing and buying homes (Dubai Land Department 2013). The recipients have to apply and fulfil some requirements before they are considered. The Mohammed Bin Rashid Housing Establishment Services organisation, started in 2006, also provides similar services. Agreements with the construction companies help recipients of grants and loans build their homes at a discount (Sheikh Zayed Housing Programme 2013). To meet the high demand for affordable housing, the Mohammed Bin Rashid Housing Establishment adopted an initiative that involved outsourcing loans to private banks. In particular, the banks lend money and collect the instalments whereas the establishment acts as a guarantor (Mohammed Bin Rashid Housing Establishment 2012). The major private developers in Dubai include the Dubai Properties Group, DAMAC Properties, Emaar Properties, and Nakheel Properties. However, DAMAC Properties is the largest fully privately owned developer formed in 2002 and having operations in more than 20 countries all over the world (DAMAC 2013). Dubai Properties specialises in commercial and residential developments. Most of their projects are being launched in the United Arab Emirates although there are plans for regional expansion (Dubai Properties 2013). Nakheel Properties is the property arm of Dubai World, an investment firm that undertakes projects for the Dubai government. It is known that the Executive Chair of the business, Sultan Ahmed bin Sulayem, intends transferring full control of Nakheel to the government. In addition, it should be kept in mind that Nakheel has operations in 87 countries across the globe (Nakheel Properties 2013). Emaar Properties is the Gulf Region’s biggest real estate developer. It was established in 1997 and is listed on the Dubai Financial Markets. The Dubai government owns 32% of the business (Emaar Properties 2013). Dubai Municipality classifies construction projects into three categories. Table One: Properties Completed Year Villas and residential areas Multi-storey commercial buildings Recreational, industrial and, serviced buildings Total 2000 1,098 330 489 1,917 2001 1,672 355 418 2,445 2002 1,558 412 289 2,259 2003 1,112 423 348 1,883 2004 1,436 393 290 2,119 2005 1,529 337 386 2,252 2006 1,432 381 409 2,222 2007 1,673 349 347 2,369 2008 2,163 395 270 2.828 2009 1,907 290 304 2,501 2010 3,492 426 357 4,275 2011 2,546 230 257 3,033 2012 1,970 245 206 2,421 Source: Dubai Municipality and Dubai Statistics Centre. The Global Financial Crisis severely affected the real estate market of Dubai. The boom started in 2002 and peaked between 2006 and 2008. In March 2006, amendments to the Foreign Property Ownership Laws allowed foreigners to own freehold property in the areas designated by the Dubai Land Department. Fuelled by foreign speculative investors, property prices soared in Dubai. The investors used to buy off-plan or new-build properties and sell them at a profit within short periods. In 2008, with global liquidity drying up, real estate in Dubai experienced a lack of buyers. The supply of real estate exceeded demand and property values plunged. Developers had no market for their properties. With the reduced cash flows in late 2009, Dubai World asked for a moratorium request on its debt obligations and had to be bailed out by the government. The bail-out allowed this company to pay its contractors and finish short-term projects (Alsukker 2010). The bail-out explains the increase in properties completed in 2010 and 2011. Those properties were sold at significantly reduced market values. The developments completed during the crisis were also long term projects. Therefore, developers raised capital during the boom period. However, in the first quarter of 2013, the market started recovering (Dubai Statistics Centre 2013). Despite the global economy experiencing a slump the real estate market in Dubai is still attractive to investors. Some of the factors driving the recovery of the market include the superior infrastructure, a talented labour pool, and a socially tolerant environment. In addition, it is a ‘haven’ for investors from the troubled countries in the region (Dubai Land Department 2013). After the crisis, the government introduced measures to stabilise housing prices and prevent a repeat of 2008. Rent caps were introduced to protect tenants from being charged rent above the market rates. The Real Estate Regulatory Agency determines the market values, upon which rents are pegged on. In October 2013, the government introduced caps on mortgage lending for both expatriates and the UAE citizens. The real estate transaction costs were also increased. These measures were taken to curb speculative buying and selling of properties (Dubai Land Department 2013). This would stabilise the property prices as the market recovers from the 2008 burst. References Alsukker, A 2010, Dubai Crisis. Web. DAMAC Properties 2013, DAMAC Properties – Luxury Living. Web. Dubai Land Department 2013, Dubai Land Department. Web. Dubai Properties Group 2013, Property for SaleReal Estate Sector in Dubai Research Paper
CNUAS Intravenous Pyelogram Injury Prevention Program Research Paper
assignment helper CNUAS Intravenous Pyelogram Injury Prevention Program Research Paper.
Access: https://www.healthypeople.gov/2020/topics-objectives/topic/injury-and-violence-prevention/objectivesUsing the website, pick one of the objectives.Share with the class the goal of your chosen objective.Share your opinion whether there is a chance that the goal will be met?Is the goal too ambitious and why?================================================================================================1. In 2017, there had been catastrophic event that happened such as the 7.1 Earthquake in Mexico 2018 and multiple Category 5 Hurricanes by Florida and Puerto Rico and Wild Fires in California. These natural disasters caused injuries and death to the people that lived in the areas affected. The United States deployed federal workers, first responders, public health workers, volunteers, and military personnel to aid the people that were affected.2. Based on this scenario, what type of injury or harm can affect the responders who are helping and working in the calamity zone?3. What type of injury prevention program is needed to protect these workers?================================================================================================
CNUAS Intravenous Pyelogram Injury Prevention Program Research Paper
Discussion board AND REPLY FOR 2 STUDENTS
Discussion board AND REPLY FOR 2 STUDENTS. I don’t understand this History question and need help to study.
Cesar Chavez Discussion
In this discussion assignment you are become a member of the Caesar Chavez organization and to write a study of his life, times, organization and successes to show that Caesar Chavez day in California is a well deserved tribute to this minority leader. You are going to read Chapter 3 in the text along with the lecture on Modern Mexican Americans. You will view the videos on Chavez and his movement. Plus you are to read the information at these websites:
This is the official web site of the United Farm Workers: it gives us some excellent material on the life and work of Chavez. It shares some of his speeches and even has a movie to view:https://ufw.org/ (Links to an external site.) (Links to an external site.)Here are more sites on the life and times and work of Chavez:https://en.wikipedia.org/wiki/Cesar_Chavez (Links to an external site.); https://www.britannica.com/biography/Cesar-Chavez (Links to an external site.) Finally you are going to comment on whether you feel that the border situation is improving today and agree or disagree with two other students. Good luck.
( NO OUTSIDE SOURCES ) I WILL UPLOAD THE PAGES OF THE TEXT BOOK (CHAPTER 3) !
Discussion board AND REPLY FOR 2 STUDENTS
Omissions In A Ticket Issuing System
The ticket issuing system does not offer many of the services to facilitate the purchase of tickets. A number of ambiguities and omissions have been found from the given scenario. The scenario given is not clear enough and looks like quite uncertain about the instructions to purchase a ticket. Even the payment procedures do not offer the user to choose the type of payment. The ambiguities and omissions found in the scenario are as follows: The system does not allow customers buy more than one ticket for the same destination at a time. It must prompt the user if the ticket can be purchased one at a time. Customer is more likely to input incorrect destinations and the system should allow user to cancel a request and purchase another ticket. After having input the destination the system will ask the customer to pay and would ask about which type of payment the user prefers. In this case, the system does not indicate as to how to respond if an invalid card is input. It must be able to respond and prompt the user if they try to put their card before selecting a destination. Do the customer need to press the start button if they wish to buy another ticket to a different destination. Or it allows customers with the choice of selecting other destinations between the stations where the machine is located. Ticket system is going to allow customers to input their destination through a touch screen or keyboard. The existing system does not allow the user to view the ticket prices. It is vital to publish the ticket prices accordingly, as customers need to know the amount that they will be charged. It does not show the train departure and arrival times, and whether the customer wishes to buy ticket for a specific train. It must allow customers to choose their seats. Finally, the system should prompt customer to print the receipt which includes the destination details and payment type. A receipt should have been issued to state whether the purchase has been made successfully. In the first paragraph, the system does not check for validation, such as when the user inserts their card, and the validity needs to be checked as to whether the payment could be made form that particular card. According to the second paragraph, when the user clicks on the start button, a menu of potential destinations pop up on the screen, along with a message asking the user to select a destination. Once a destination has been selected, users are prompted to input their credit card. However, the credit card’s validity is checked and if the card is good, then user has ed to input a personal identifier as requested by the machine. The ticket is issued when the credit card’s transaction has been validated successfully. In the second paragraph, the ticket system prompts the user with potential destinations whereas it could have provided with “popular” destinations. In such terminals popular destinations are normally displayed to help the user to select his destination quickly. â€¢ Usually an Underground or an Over ground cover any destinations which can be reached by interchanging and taking number of trains therefore the user should be able to purchase ticket in order to reach any destination. â€¢ It could have also provided the user with a choice to search from a list of A-Z of stations. â€¢ As mentioned before that there should be two types of payment methods â€¢ The validation procedure involves both: validating the card as to whether the card is still valid in terms of not cancelled by the issuer due to fraud lost/stolen reasons. The second type of validity is the PIN validity. â€¢ If both validations are successful then the issuer must authorise the payment in order to purchase the ticket. 2. Solutions identified To gain a clear and better understanding of the scenario, a more structured approach has been written as follows: User walks to a ticket machine and presses any button to activate a menu which displays a list of popular destinations accompanied by a message to select a destination. User can select their destination if listed in the popular destination; otherwise they can choose to search for their destination from a list of stations in the A-Z of stations. As user finds their desired destination they then can choose to have their preferred type of ticket, this can be such as: first/standard class ticket and/or return/single ticket. Once the destination and the type of ticket is selected the ticket machine prompts the user to make payment. There are two types of payments can be made, likely by card or cash. If the customer chooses to pay by cash, and it can be inserted into the machine in the form of notes or coins. If the exact amount is paid the ticket will be issued, if more than required is paid then the change will be given along with the ticket. If the customer chooses to pay by card as requested by the system, user can insert the card into the terminal. As the card is being inserted the validity of that card is checked with the issuer. Once the card is validated the user is then required to check the amount and enter the PIN in the terminal. The PIN is validated locally and upon correct entry of the PIN the ticket is issued along with the receipt and the cardholder’s account is charged accordingly with the correct amount. The aim of writing a structured approach gives a more clear understanding of the scenario and shows the events happen as a sequence. 3. User requirements definitions The User Requirement Specification specifies the requirements of the user taking the individual aspects into consideration in terms of ; the facility, equipment, and systems in terms of function, throughput, operability, and applicable standards, which are the functions to be carried out, the data on which the system will operate, and the operating environment. The user requirements for a system should describe the functional and non functional requirements so that they are understandable by system users without any technical knowledge. When we write the user requirement we should not write with technical forms, table or diagrams. We should write in simple language with simple table, forms and diagrams. 4. System Requirements Specifications System requirements specification assist potential users to determine if the system specified meets their needs or how the system must be modified to meet their needs. The system requirements help to consider all of the requirements before design begin. Careful reviews of the requirements reveal omissions, misunderstanding and inconsistencies. System requirements specification should be correct, unambiguous, complete, consistent, verifiable, modifiable, and traceable, specify performance, and define detailed functionality of the system. A specification can be in form of a written document, a set of graphical model, a formal mathematical model, and a collection of usage scenarios, prototype, or any combination of these. However, a standard template should be developed and use for a specification, arguing that this leads to requirements that are presented in a consistent and therefore more understandable manner. The requirement engineer gives final work product produced which is known as specification. It acts as the foundation for subsequent software engineering activities. It describes all the related functions and the performance of a computer based system and the constrains that will govern its development. In the given scenario, we would consider all the omissions and ambiguities. First of all, the system did not provide all the functionality which usually a ticket issuing system should contain. It does not function as it should and does not provide the user with any choice such as to cancel a ticket and buy another one. At times, there are new users who wish to purchase rail ticket from the machine and this system does not guide and provide any kind of help. Function: Issuing Ticket Description: Issuing the ticket when the user select their desired tickets and make the correct money Inputs: Destination, child or Adult, Pay by card or cash Output: Their desired ticket to be issued with their payment receipt Require: Money, form of payment Pre- Condition: Ticket will be validating between the user current place and the selected destination, otherwise user will have to pay the penalty fare. 5. Actions performed in the ticket-issuing system 6. Non-functional requirements The non functional requirements define system properties and constrains for an example reliability, response time and storage requirement. Constraints are I/O device capability, system representation, extra. Process requirement may also be specified mandating a particular CASE system, programming language. This non functional requirement may be more critical than function requirements. If these are not met the system is useless and the non functional requirement can be classified as three type of requirement 6.1 Product requirement – these requirement specify that the delivered product must behave in a particular way for example execution speed, and reliability The user interface for Library system shall be implemented as simple HTML without frames or Java applets 6.2. Organisational requirements – which are a consequence of organisational policies and procedures example for these, process standard used, implementation requirements The system development process and deliverables defined in XYZCo-SP-Stan-95 6.3. External requirements – these could be from factors which are external to the system and its development process example interoperability requirements, legislative requirements. The system shall not disclose any personal information about customer apart from their name and reference number to the operator of the system After we discussed with all above mentioned Non-functional requirements, therefore we considered the product requirements should be determined for especially this scenario which include reliability and response time and should be contrasted with functional requirements that specify specific behavior or functions. And the product requirements have some additional attributes which are Efficiency – Enable the system to perform under different situation or circumstance Reliability – This could be very useful for ATM or ticket issuing system Usability – This would help the user to access the system without any trouble or inconvenience Performance – This is almost relevant to reliability and check the system is able to work or not in the different environment Space Requirement – This part of product requirement is very useful for the ticket issuing system when the system is busy or full occupied with user needs. So there it is need to be expanded or stabilized number of machine at the station 8. Requirements Validation Process requirements validation is an integral part of software engineering. The main activity is to check requirements needed and available to start any particular project. As a consequence of requirements engineering however, the work products produced need to undergo an assessement for quality during a validation sequence. The purpose of requirements validation is to examine the specification to ensure that all software requirements have been stated unambiguously, such as consistencies, omissions, and error detected and corrected and that work products conform to the standards established for the process, the project and the product The primary requirements validation mechanism is the formal technical review. The review team that validates requirements includes software engineers, customers, user and others stakeholders who examine the specification looking for errors in content or interception, area may be clarification required. The process of requirements needs to check for consistency and completeness. During this process errors and inconsistencies will be identified and reduces future error. Basically the system should have requirement validation checklist which would help to the system to identify the accurate information which Are requirement started clearly and Can they be misinterpreted? Is the source of the requirement identified e.g. a person, a regulation, or a document and the final stamen been examined by the primary source? Is the requirement bounded by any quantities terms? What other requirements match to this requirement? Does the requirement violate any system domain? Properties of requirements validation are as follows: â€¢ Validity â€¢ Consistency â€¢ Completeness In order to validate the ticket issuing system requirements all the above properties of the requirements validation must be met. And when the user pay by card the system should validate whether it is valid for making the particular payment and validate the pin no which has accepted or not therefore the validation must work out with final product it could be ticket or receipt 10. The impact on cash payment After having input the payment type which is cash, in this instance the customer may not have the exact amount to make the payment. If the user is making payment with a note, the machine should prompt the customer to take his change. However, the machine could also have displayed the amount to be charged and change to be given to the customer.
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