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Nudging Paper

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Florida State College at Jacksonville

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Running Head: NUDGING PAPER 1 Nudging Paper Name Institutional Affiliation NUDGING PAPER 2 Section 1: The Facts 1. Nudging influence behaviors (saving patterns and consumption behavior) without inflicting any pain or making people feel coerced or bullied. 2. Nudging was used to influence the retirement savings patterns of people who have a huge tendency to stick to default options as opposed to enrolling with their company’s saving programs. 3. With the use of automatic enrollment (nudging/or manipulation technique) as the default option, the percent of workers who enrolled in retirement saving programs increased from 60 percent to 98 percent. 4. Automatic enrollment creates pleasant retirement and increases the level of satisfaction thanks to nudging strategy. 5. Nudging has been successfully used by Opower to encourage customers to conserve electricity. This was achieved by sending the average usage of neighbors. 6. When using nudging to influence consumption behavior, it is important to consider the reversed effect and thus one needs to be very careful on how to go about it. Reversed effect occurs because below-average users increase their consumption. 7. Using smilies ( ...
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RC Capital Financial Senior Financial Analyst Profit Projection for 2018 Capstone

BackgroundStrategic planning is critical to the growth and sustainability of any organization. An organization cannot desi ...

RC Capital Financial Senior Financial Analyst Profit Projection for 2018 Capstone

BackgroundStrategic planning is critical to the growth and sustainability of any organization. An organization cannot design and implement strategic initiatives without an estimate of future profitability. Organizations acquire this insight by constructing profit projections. If a firm's profit projection is inaccurate, it will ultimately lead to misguided decisions that may adversely impact the firm's performance. Thus, firms must be diligent and meticulous in the construction of their profit projections.InstructionsYou were recently promoted to a senior financial analyst at Capital Financial, and have been tasked with forecasting the firm's 2018 profits. To develop the profit projection, you will apply the Percent of Sales method. The key consideration for this method is that income statement data sets will increase with sales.Create Capital Financial's profit projection for 2018 using the spreadsheet provided below.File download: Profit Projection SpreadsheetImportant notes regarding the 2017 forecast information:Costs, excluding depreciation, were 78% of sales.Depreciation was 7.333% of sales in 2017.Capital Financial pays a 35% tax rate.Where "n/a" is specified, the abbreviation indicates that percentage of sales is not applicable for that set of data.Capital Financial is forecasting an 18% growth in sales from 2017 to 2018.Part 1Download and open the spreadsheet template provided above. Consider the values within the spreadsheet and the information above, then do the following:In the first table in the spreadsheet, calculate the following as a percentage of sales for 2017:EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization)EBIT (Earnings Before Interest, and Taxes)Pretax IncomeNet IncomeIn the second table in the spreadsheet calculate the following for 2018:Cost Except DepreciationDepreciationInterest ExpenseIncome Tax (35%)In the second table in the spreadsheet, forecast the following profitability metrics for 2018:EBITDAEBITPretax IncomeNet IncomeSave your Microsoft Excel Spreadsheet. (Mac users, please remember to append the ".xlsx" extension to the filename.)The name of the file should be your first initial and last name, followed by an underscore and the name of the assignment, and an underscore and the date. An example is shown below:Jstudent_exampleproblem_101504Part 2In a separate Word document, address the following:Explain the premise for the percentage of sales method.Describe how an accurate profit projection supports the decision making process within the organization.Save your Microsoft Word document. (Mac users, please remember to append the ".docx" extension to the filename.)The name of the file should be your first initial and last name, followed by an underscore and the name of the assignment, and an underscore and the date. An example is shown below:Jstudent_exampleproblem_101504

6 pages

Sc Ex19 3a Firstlastname 2

Note: Do not edit this sheet. If your name does not appear in cell B6, please download a new copy of the

Sc Ex19 3a Firstlastname 2

Note: Do not edit this sheet. If your name does not appear in cell B6, please download a new copy of the

ECO204 AU Ethics of Big Data Discussion

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ECO204 AU Ethics of Big Data Discussion

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Part 2: Financial Accounting Analysis For this part of your Scholar-Practitioner Project you will develop a financial accounting analysis of the public health initiative you selected (initiative proposal is attached) in week 2. In your analysis be sure to incorporate return on investment, time-value of money, and inflation factors. The financial accounting analysis should include:A 5-year proposed budget including major line items (the forms to be used are located at the link below. Please use MS Word version of forms 4 & 5) https://grants.nih.gov/grants/funding/phs398/phs39...PHS 398 form4 is for the initial or first year budget, and form5 is for all 5 years.Each year should request $500,000 or less.An analysis of budget line items, costs, sources of revenue, and deficitsAn analysis of the fiscal soundness and long-term viability of the public health initiative The budget not necessarily real, you can just make up and make it look realExample budget paper http://sam.research.sc.edu/pdf/NIHjust.pdf

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RC Capital Financial Senior Financial Analyst Profit Projection for 2018 Capstone

BackgroundStrategic planning is critical to the growth and sustainability of any organization. An organization cannot desi ...

RC Capital Financial Senior Financial Analyst Profit Projection for 2018 Capstone

BackgroundStrategic planning is critical to the growth and sustainability of any organization. An organization cannot design and implement strategic initiatives without an estimate of future profitability. Organizations acquire this insight by constructing profit projections. If a firm's profit projection is inaccurate, it will ultimately lead to misguided decisions that may adversely impact the firm's performance. Thus, firms must be diligent and meticulous in the construction of their profit projections.InstructionsYou were recently promoted to a senior financial analyst at Capital Financial, and have been tasked with forecasting the firm's 2018 profits. To develop the profit projection, you will apply the Percent of Sales method. The key consideration for this method is that income statement data sets will increase with sales.Create Capital Financial's profit projection for 2018 using the spreadsheet provided below.File download: Profit Projection SpreadsheetImportant notes regarding the 2017 forecast information:Costs, excluding depreciation, were 78% of sales.Depreciation was 7.333% of sales in 2017.Capital Financial pays a 35% tax rate.Where "n/a" is specified, the abbreviation indicates that percentage of sales is not applicable for that set of data.Capital Financial is forecasting an 18% growth in sales from 2017 to 2018.Part 1Download and open the spreadsheet template provided above. Consider the values within the spreadsheet and the information above, then do the following:In the first table in the spreadsheet, calculate the following as a percentage of sales for 2017:EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization)EBIT (Earnings Before Interest, and Taxes)Pretax IncomeNet IncomeIn the second table in the spreadsheet calculate the following for 2018:Cost Except DepreciationDepreciationInterest ExpenseIncome Tax (35%)In the second table in the spreadsheet, forecast the following profitability metrics for 2018:EBITDAEBITPretax IncomeNet IncomeSave your Microsoft Excel Spreadsheet. (Mac users, please remember to append the ".xlsx" extension to the filename.)The name of the file should be your first initial and last name, followed by an underscore and the name of the assignment, and an underscore and the date. An example is shown below:Jstudent_exampleproblem_101504Part 2In a separate Word document, address the following:Explain the premise for the percentage of sales method.Describe how an accurate profit projection supports the decision making process within the organization.Save your Microsoft Word document. (Mac users, please remember to append the ".docx" extension to the filename.)The name of the file should be your first initial and last name, followed by an underscore and the name of the assignment, and an underscore and the date. An example is shown below:Jstudent_exampleproblem_101504

6 pages

Sc Ex19 3a Firstlastname 2

Note: Do not edit this sheet. If your name does not appear in cell B6, please download a new copy of the

Sc Ex19 3a Firstlastname 2

Note: Do not edit this sheet. If your name does not appear in cell B6, please download a new copy of the

ECO204 AU Ethics of Big Data Discussion

Prior to beginning work on this discussion, read Ellen Martin’s article, The Ethics of Big Data (Links to an external si ...

ECO204 AU Ethics of Big Data Discussion

Prior to beginning work on this discussion, read Ellen Martin’s article, The Ethics of Big Data (Links to an external site.). Based on the article’s content, respond to the following: Describe the microeconomic principles being used. What is the impact for demand? Evaluate the different market structures that big data benefits the least and the most from. While data collection may benefit the business community, discuss the concerns for consumers as big data proliferates.

Part 2: Financial Accounting Analysis, economics homework help

Part 2: Financial Accounting Analysis For this part of your Scholar-Practitioner Project you will develop a financial ...

Part 2: Financial Accounting Analysis, economics homework help

Part 2: Financial Accounting Analysis For this part of your Scholar-Practitioner Project you will develop a financial accounting analysis of the public health initiative you selected (initiative proposal is attached) in week 2. In your analysis be sure to incorporate return on investment, time-value of money, and inflation factors. The financial accounting analysis should include:A 5-year proposed budget including major line items (the forms to be used are located at the link below. Please use MS Word version of forms 4 & 5) https://grants.nih.gov/grants/funding/phs398/phs39...PHS 398 form4 is for the initial or first year budget, and form5 is for all 5 years.Each year should request $500,000 or less.An analysis of budget line items, costs, sources of revenue, and deficitsAn analysis of the fiscal soundness and long-term viability of the public health initiative The budget not necessarily real, you can just make up and make it look realExample budget paper http://sam.research.sc.edu/pdf/NIHjust.pdf

4 pages

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Econ314 Assignment7 Unit7 Summer2017

1. Monopoly Concepts: (P12.1; page 491; a; b; c; d; and e; 5 points) A. True justice department concerns itself about crit ...

Econ314 Assignment7 Unit7 Summer2017

1. Monopoly Concepts: (P12.1; page 491; a; b; c; d; and e; 5 points) A. True justice department concerns itself about critical or blatant offenses ...