Credit card debt is a reality for many in today’s world. Suppose that you had a $5,270.00 balance on a credit card with an annual percentage rate (APR) of 15.53 percent. Consider the following questions and prepare a report based upon your conclusions. This report must be submitted as a Word document and attachment to the M3: Assignment 2 Dropbox. Consider the following questions and prepare a report based upon your conclusions. Your report should be created as a Word document, but you are encouraged to create graphs and charts (which can be made in Excel and copied to the Word document) to illustrate your points. Remember: make sure you explain what the charts and/or graphs mean; do not assume the reader understands what they mean.

1. Most credit cards require that you pay a minimum monthly payment of two percent of the balance. Based upon a balance of $5,270.00, what would be the minimum monthly payment (assuming no other fees are being applied)?
2. Considering the minimum payment you just calculated, determine the amount of interest and the amount that was applied to reduce the principal. Hint: You’ll need to find the total interest for the year first.
3. Consider one of your credit cards. What is the balance? How is the minimum monthly payment determined? What would be the minimum payment? How much of the minimum payment goes towards interest? How much of the minimum payment goes towards the principal? If you do not want to share an actual balance or do not have a credit card, calculate these amounts using an imaginary credit card balance.
4. Now, examine the terms of one of your credit cards or other revolving debt. Are there other charges that the credit card company is applying to your account? Are you receiving a special rate for a limited time? Does your card charge an annual service charge or an inactivity fee?
5. Examine a credit card bill (or other revolving debt) and see how long it will take to pay off your debt if you paid only the minimum payments (you can also use an online calculator like the one at http://www.bankrate.com/calculators/managing-debt/minimum-payment-calculator.aspx). What steps could you take to pay off this credit card (or debt) sooner? Determine the percentage of the principal that you need to pay down in order to pay off the credit card in the time frame of your choosing.
6. Many Americans find themselves amassing large amounts of credit card (or other revolving) debt at an early age. What advice concerning the use of credit cards and the fees they charge would you provide to a young adult planning on getting a credit card?

You can choose from these topics:

1. The relationship between religon and war.

2. The role of religon in establishing peace in times of war.

3. The role of adversity and suffering.

4. How does capitalism reflect and/or contradict the concept of religous ethics?

5. The influence of American icons such as Disney, Elvis, or Oprah (YOU CAN PICK ANOTHER AMERICAN ICON), on American religon.

This paper MUST be at least 1,000 words, APA style, HAVE AT LEAST 4 SOURCES, ONE BEING PRIMARY, and MUST have good grammar.

1. What was ancient and medieval life and culture like in Africa before the European and Arabic traders?

2. What enticed European and Arabic traders to the African continent? What interested them most?

3. Which European or Arabic traders had the most impact on ancient and medieval African civilizations and empires? Which traders had the least impact on the civilizations and empires? Why?

UUnit VII Article Critique Use the CSU Online Library to locate and review a scholarly article found in a peer reviewed journal related to: Unions, Labor Relations, or International Human Resources Management. There is a minimum requirement of 500 words for the article critique.  Write your critique in APA format.  Begin with an introduction that defines the subject of your critique and your point of view. You will first need to identify and explain the author’s ideas. Include specific passages that support your description of the author’s point of view.  Defend your point of view by raising specific issues or aspects of the argument. Offer your own opinion. Explain what you think about the argument. Describe several points with which you agree or disagree.  Explain how the passages support your opinion.  Conclude your critique by summarizing your argument and re-emphasizing your opinion.  For each of the points you mention, include specific passages from the text (you may summarize, quote, or paraphrase) that provide evidence for your point of view.

Consider the following scenario.

You are the safety and occupational health professional for your city’s health department. You received a call from a major food-distribution warehouse about some employees who are complaining of dizziness and feeling sick.

The scene is a very large warehouse; a significant portion is refrigerated. The illnesses are being reported from a refrigerated section (about 40 degrees F), where workers are blister packing food products on a production line. The warehouse has 20 loading docks, two railroad car lines that end directly inside the warehouse (in close proximity to the production area), a dozen or so gas powered forklifts, and no sensors or environmental monitors of any kind except those associated with the refrigeration systems.

The warehouse manager is cooperative, but he points out that he is in the middle of contract negotiations with the union. He is also very proud of the fact that they have special seals on the loading dock doors and throughout the warehouse to keep the cold in and the heat out.

You cannot identify any discernible odors other than the exhaust from the forklifts when they move by you. There are four women waiting for you in the break room complaining of dizziness and lightheadedness. They are all comparing and complaining about their symptoms. There are 14 employees who work in this area of the warehouse: 12 women and 2 men.

Instructions:

Based on the given scenario, develop a plan of action that includes how you would conduct the investigation, how you would identify possible sources of the problem, and your opinion on the likely source. BOS 3001, Fundamentals of Occupational Safety and Health 4

Discuss the standards applicable to possible sources. Include several recommendations you would make to the manager to help solve the problem based on your research into documented best practices for similar situations. Note: You may make assumptions about the scenario in order to propose solutions (be certain to state your assumptions clearly).

Your Case Study must be four to six pages in length, double spaced. All sources used, including the textbook, must be referenced; paraphrased and quoted material must have accompanying citations

Imagine that you are working in a neurology clinic. One of the neurologists tells you that as his or her practice is expanding, he or she is having difficulty meeting the education needs of his or her patients. Part of this problem is explaining the basic neuroanatomical structures to the patients in layperson’s language so that they understand their diagnoses and their underlying neurological impairments. The neurologist asks you to create a written guide for the patients, including both the CNS and the PNS. He or she describes what the basic neuroanatomical structures are, where they are located, how they interact, and what function they serve.

He or she asks you to name the structures by using the correct technical language but to use layperson’s language as much as possible elsewhere.

Your neuroanatomy guide should cover the following:

• Basic neuroanatomical structures (including the CNS and the PNS, as well as the structural packaging that protects the brain from the environment)
• Locations of these structures
• Functions they serve (what functions damage to these areas may affect)
• How they interact

Be sure to explain the information in layperson’s language and use graphics and pictures where helpful. Use APA format when citing material from scholarly sources such as your textbook and online notes. Include a cover page and a reference page listing the resources you used to create your guide.

You are to research an actual business examples and the impact of IT on that business.

Important points

1) Does business need IT?

2) Why IT is important for business survival?

3) What is required to apply IT into business? (Cost, planning, designing, equipment, installation, training, etc…)

4) How does business use IT? (internally such as staff, employees, and externally such as customers, suppliers)

5) What benefits and advantages does IT bring to business? (Revenue, flexibility, reduces cost, etc….)

6) What type of risk does IT bring to business? (security, privacy, confidentiality)

7) How can business maintain and monitor IT?

Your report will be judged on the quality of your research and report presentation. Your report is to be in the style of a business report. There is a limit of ten pages excluding appendices.

Consider the following scenario:

As part of the management team for PPQ Parts manufacturing company, you are tasked with selecting the best software packages for the firm’s materials requirements planning (MRP), capacity requirement planning (CRP), and enterprise resource planning (ERP) needs.

Use the Internet, course materials and web resources to research the pros and cons of six software systems designed to perform these functions. (Internet sites for research)

www.capterra.com/mrp-software

www.top10erp.org

www.crpcapacity.sourceforge.net

• Then, write a 5 – 7 page Software Recommendations Report that you will submit to the chief executive.
• In the report, be sure to justify your recommendations by analyzing the pros and cons (2 pros and cons) of each of the six software systems you evaluated.
• You will need to include information such as cost info., training info.,  compatibility info. with current systems and work flow processes, functionality, ease of use, and end user support.