Class Location: Leadership Center - Traditional Classroom
Unique Web sites
Excel Homework #4
Unique Web Sites:
Deal news is a web site with a phone app that allows you to find coupons and low cost deals on everyday products and service.
The web site allows you to turn .pdf files into word documents. Its create for converting .pdf files into documents you can cut and paste.
Access all real estate information from all 50 states.
EXCEL Homework #4
Homework #4 is about basic tables. Tables allows Excel to hold large amounts of data and then as the user you can analyze that large amounts of data assist in decision making.
Today, in class, we will study this powerful excel option because knowledge of this is valuable in the workplace. This assignment related toHW #5 - Pivot Tables and HW #6 - Google Fusion Tables. So understanding this assignment is a must.
Here is what you need to do:
The video below will assist you with your homework assignment
Click Here to download the excel file for this assignment and the exam.
The exam will open on Friday morning (March 22nd) at 9 am and will close on Sunday March 24th at midnight. Remember the exam is at www.classmarker.com.
In class, we have discussed the
significance of building wealth, limiting your expenses, and
increasing your savings. I came across an article by Walter
Updegrave on CNN’s website that talks about managing your
retirement savings and making it last into your 90’s. The way you
divide your money between stocks and bonds is a crucial factor in
determining how long your savings will last in retirement, but an
even more important factor is the amount that you withdraw from your
retirement portfolio each year.
Based on a retirement income
calculator, a 65-year-old retiree who has $500,000 in savings and
starts with a 4% initial withdrawal that he increases each year for
inflation- $20,000 the first year, $20,500 the second, etc., assuming
2.5% annual inflation- an allocation with 20% or more in stocks will
provide a 75% to 80% chance that his savings will last 30 or more
years. An equal 50-50 stocks-bonds mix would yield the highest
probability in this scenario because the higher level of risk and
volatility that results from greater stock exposure can eventually
damage your portfolio.
Higher stock allocations have more
upside potential. Although a 50-50 stocks-bonds mix has better
chance of lasting 30 years than a 90-10 mix at a 4% withdrawal rate,
the 90-10 mix could generate much more money if the stock market
produces high returns. The most important thing to note, however, is
that the lower the withdrawal rate, the more freedom you have to
choose an allocation that fits your tolerance of risk.
If you have a low tolerance risk, then
you can increase the percentage of your portfolio that goes into
bonds, but if you are more of a risk taker, then you can gravitate
more to stocks.
By limiting the amount of withdrawals, the
probability of your portfolio lasting is increased, no matter what
allocation you choose.
Due to the uncertainty present in the
economy and financial markets, it is probably wise to lean more on
the conservative side when deciding how much to withdraw and how to
invest. It may also be a good idea to invest a portion of your
savings in an immediate annuity that can provide lifetime income
regardless of how your investments perform.
Today we are going to discuss and create smartphone apps.
I will be taking attendance today. We are in the Leadership Classroom today. Its been three weeks since our last meeting here. Whether in the classroom or remotely, you need to access this class thru anymeeting.com. You attendance is based on how long you are connected (60 minutes min).
Many of us have
used the internet as a resource for downloading various forms of
media. It is an incredible tool which allows for consumers to collect
these items for both leisure and work. In order to gain access to
downloadable items, consumers are required to purchase them from
licensed sellers. However, consumers have figured out ways to
download materials from the internet through the use of file-sharing
websites and other resources. One of the items most commonly
downloaded from file-sharing web pages is music. Because of the high
demand for music in the marketplace, consumers have resorted to
pirating music in order to acquire it free of charge. While this
action may appear to be harmless, habitual pirating by a large group
of consumers could present a number of threats to the music industry,
the economy, and the consumers themselves.
It is very common for websites that
conduct file-sharing to act as a breeding ground for computer
viruses. This is due to the high amount of unfiltered sharing among
networks. If a computer comes into contact with a virus, the user
must often spend money in order to fully restore the system. In
addition, if the producers of music view it as an art form that is no
longer producing a profit, then the amount of effort put into
creating music will be reduced and the quality will decrease. This
can also lead to dissatisfaction from the consumer. In addition to
this, as free downloads persist; the revenue streams from the
production of music are greatly reduced. This makes it difficult for
producers to invest in new talent, technology, and musicians in order
perform at a high level. This leads to a highly commercialized form
of producing music which is designed to sell products rather than to
allow for musical expression. Finally, not paying for these goods and
items reduces the amount of funds that has the potential to be taxed
and reinvested in the community.
It is up to each
consumer to decide whether to purchase music or to download it free
of charge. As we make these choices, let us always be conscious to
keep in mind the potential costs of our actions. Below are additional
resources further discussing this topic:
Thanks
to constant improvements to the world wide web anyone with an
internet connection has access to cyberspace. Cyberspace impacts our
behavior, the way we communicate and conduct business. However, it is
evident that users are becoming increasingly vulnerable to hackers
and cyber attacks.
What
is Cyberspace? William Gibson is given credit for creating the term
cyberspace. In his novel Necromancer he describes, “.a world of
connected computers that has moved into a present reality in the form
of the internet. In cyberspace people are met
electronically…”texting, eHarmony, Facebook, FaceTime, Bloomberg,
Skype, etc. Social networks are the most popular types of cyberspace.
These are threats to your privacy because they also serve as a way to
collect endless personal and sometimes business related data that
most users believe to be private. Most users are unaware of the
dangers online and, without even realizing, put their company,
family, or country
at risk by clicking the wrong button or sharing the wrong information
over the web. There is no such thing as anything being 100% private.
If it is digital and posted on the web it has the potential to be
accessed by hackers. So how safe are you?
Infamous
hackers like Anonymous seek to either serve the people or expose
companies and governments for what they really are. Either way I
consider this a pro because companies are known to effortlessly get
away with corporate decisions that lead people loosing there money,
homes, and sometimes lives. So with that being said it makes perfect
sense that the government and businesses are seriously threaten by
hackers and cyber attacks because they have the potential to expose
their illegal and immoral faults. But even so, that is not enough
because corporations are also known to use their financial influences
to pass laws in their favor. It is important to note that there are
also hackers only seeking to steal from users. I consider this to be
a con because the hackers are targeting organizations and or
individuals that use these government systems and/or businesses
related services as a foundation to their own business and/or
lifestyle.
In
conclusion, as cyberspace continues to improve it is important that
users keep up to date with the dangers of using the web. Here are two
sites that are that should help push you in the direction of becoming
a safer user of the web. Thanks for taking the time to read this blog
post.
I added a set of links to the right that allows you to see overall grades for each exam - See the number of A's, B's, C's, D's & F's in the class for each exam
All of the grades are on www.learnboost.com - check you grades
Next class is in the Leadership Class Room March 18, 2013
Next class: Learn to create Ipad-Iphone-Android apps
Midterm grades will be calculated and submitted between March 11th and 18th based on grades in your learn boost account.- view yours and if there are mistakes, email/text me with proof
I am going to ask classmarker if I can email your completed exam to you after the cut-off time
Renewable energy is a topic of concern
and excitement to many of the trailblazers and decision makers in our
country. Stuart Bernstein, of Goldman Sachs, summarizes the stance
on renewable energy on behalf of one of the most important,
productive financial institutions in the world.
The price of oil and the value of the
American Dollar go hand in hand! Thus the origin of Greed! You’ll
find the following video is very, very informative.
(From Prof Sistrunk: THIS VIDEO IS VERY DANGEROUS. I WILL ALLOW IT BUT PLEASE BE CAREFUL WITH THIS INFORMATION)
Petroleum, in an unrefined form, has
been used by humans for more than five thousand years. The largest
volume products of the industry are fuel oil and gasoline. Petroleum
Oil is also the raw material for several chemical products including
pharmaceuticals, solvents, fertilizers, pesticides and plastics. It
is probably the single most important factor to the world economy.
It is simply the most widely used resource in the world. The
emergence of petroleum as the most sought after good has been both
direct and indirect causes of greed, corruption, and empire dating
back to the mid 1800’s. John D. Rockefeller’s Standard Oil
Company gained almost complete control of oil refining and marketing
in the United States.
Standard Oil’s niche was underselling,
differential pricing, and secret transportation rebates. Standard
Oil was crucified by journalists and politicians throughout its
existence. It was criticized as being “the most cruel, impudent,
pitiless, and grasping monopoly that ever fastened upon a country.”
John D. Rockefeller is the most prevalent philanthropist the world
has ever witnessed. However, one could speculate that maybe
Rockefeller was so very generous due to a guilty conscience from
possibly many cruel, inhumane actions. Another opinion could be that
he only had so much to give because he viciously acquired so much for
decades upon decades.
Rockefeller is not the only possible
example of greed, corruption, and empire in the United States. Let’s
add ex American President and Vice President George Bush and Dick
Chaney to the discussion. It is now viewed as a plausible
possibility and maybe even a reluctant truth that the devastating
events that took place in America on “9/11” was a hoax and a
diversion. It is a published fact that ex CIA Director George Tenet
falsified America’s case on “WMD’s” in Iraq. It is believed
that “9/11” was used by the Bush Administration as a tactic to
mislead the American population to believe that Iraq produced weapons
of mass destruction and planned to use them on the United States.
Bush was brewing up a false motive to lead his country to war for
some different, greedy, corrupt reasons. Bush’s true initiative
was to take over the oil operation in the Middle East by setting up
permanent U.S. military bases around its oil reserves, to keep people
heavily reliant on petroleum by destroying alternative energy
infrastructure, and to turn his company “Halliburton” into a
modern-day monopoly, alongside his partner Dick Chaney. Dick Chaney
owned close to 450,000 shares of stock in Halliburton during the time
period of the War on Iraq. Moreover, since the Bush Administration,
Halliburton has been the largest profiteer in the business of
supplying goods and aid in the event of natural disasters worldwide.
