Mutual Funds, Vanguard Paper - 1375 Words

Vanguard Mutual Fund Evaluation FIN/420 1/26/2014 The Vanguard Group The Vanguard Group offers an array of mutual funds, exchange-traded funds, brokerage, and asset management. When choosing and comparing mutual funds, there are characteristics that you need to first evaluate. This paper will review five different categories of mutual funds that Vanguard Group offers its investors. Actively Managed Common Stock Fund The Selected Value (ticker VASVX) is an actively managed common stock fund with a 4 star Morningstar rating with a minimum investment of $3,000. This fund does not have a front or rear load fee. The total annual fund operating expenses are 0.41% which means that for every $100 you invest, $.41 goes to paying the†¦show more content†¦The funds asset allocation will become more conservative over time, meaning that the percentage of assets allocated to stocks will decrease while the percentage of assets allocated to bonds and other fixed income investments will increase. This investment is superb for long-term investors like myself. The fund inception occurred on October 27, 2003, and has been managed by Michael Buek since 2014. The fund inception date tells us that the mutual fund has been around for 23 years and the fund manager for one year. This fund has been up for ten years and down for one year which tells us that the new manager may have not been the correct choice. International Fund Developed Markets Index Admiral Share (ticker VTMGX) is a Vanguard International Fund with a 3 star Morningstar rating and a $3,000 minimum balance. This fund does not have a front or rear load fee. The total annual fund operating expenses are 0.06% which means that for every dollar that you invest, $.06 goes to paying the person who sold you the fund. The expense ratio is also low at 0.09%. According to â€Å"Best Vanguard Index Funds 2014 (2009-2015), â€Å"the index fund provides investors low-cost diversified exposure to developed foreign markets. The fund invests in companies located in Europe, Asia, and Australia, which make up 75% of the non-U.S. equity market† (para. 2). There are five primary industries that this fund encompasses.Show MoreRelatedAsset Classes Paper 11043 Words   |  5 PagesRunning Head: ASSET CLASSES PAPER Asset Classes Paper Stacey Browning University of Phoenix Asset Classes Paper Investment portfolios consist of investment assets and these investment assets are categorized into broader classes known as asset classes (Bodie et al, 2008). Asset classes can be stocks, bonds, real estate, commodities, and money markets (Bodie et al, 2008). Individuals as well as businesses can have investment portfolios. 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“My brother, my sister, and I” Free Essays

The quite an engaging story, the book describes an event in the author’s life. Yoko, then 13, her 17-year old sister, and 21-year old brother became refugees to post World War II Japan. Hoping for the better life, they escape from North Korea only to find extreme hardship in the new land. We will write a custom essay sample on â€Å"My brother, my sister, and I† or any similar topic only for you Order Now The novel does not feature the series of quick actions but is able to transfer real-to-life feelings and emotions of the sibling trio. In quite a charming way it tells how these three young people settled down in their first desolate home, owners of which were nice and kind people. Especially the meaningful were their interactions. However, the terrible fire in the warehouse kills their landlords and puts one of the siblings in a hospital. In addition, their problems are multiplied by a terrible blame of the setting the fire and killing the kind couple. Homeless and hungry they fasten together, spending most time in the hospital room by the bed of their sibling. Yoko, once the product of the middle class family, experienced homelessness, hunger, terrible treatment by her classmates, and at times impossible despair. Her mother has died, her father was a POW, and seeing as her two older siblings had to clean toilets to get scraps for her to survive was beyond desperation, but full of humility. This novel teaches us how important the family ties are, those that despite of, at times, very difficult circumstances in life, help us survive and make better of ourselves. This novel also teaches us, that despite the adversities, there are people who are wiling to help, like an odd Burakumin couple they met under the bridge. This novel is about how people, especially young people, can preserve their dignity despite impossibly difficult circumstance that at time life presents. I impression of what I read was not about the adventure this trio experienced but about the yielding motif, â€Å"White righteous men should suffer?† References: Watkins, Y. K. 1996. My brother, my sister, and I. (add publisher)          How to cite â€Å"My brother, my sister, and I†, Essay examples

Microwaves Essays (1393 words) - Electromagnetic Spectrum, Wireless

Microwaves You might remember the heroic role that newly-invented radar played in the Second World War. People hailed it then as "Our Miracle Ally". But even in its earliest years, as it was helping win the war, radar proved to be more than an expert enemy locator. Radar technicians, doodling away in their idle moments, found that they could focus a radar beam on a marshmallow and toast it. They also popped popcorn with it. Such was the beginning of microwave cooking. The very same energy that warned the British of the German Luftwaffe invasion and that policemen employ to pinch speeding motorists, is what many of us now have in our kitchens. It's the same as what carries long distance phone calls and cablevision. Hitler's army had its own version of radar, using radio waves. But the trouble with radio waves is that their long wavelength requires a large, cumbersome antenna to focus them into a narrow radar beam. The British showed that microwaves, with their short wavelength, could be focussed ina narrow beam with an antenna many times smaller. This enabled them to make more effective use of radar since an antenna could be carried on aircraft, ships and mobile ground stations. This characteristic of microwaves, the efficiency with which they are concentrated in a narrow beam, is one reason why they can be used in cooking. You can produce a high-powered microwave beam in a small oven, but you can't do the same with radio waves, which are simply too long. Microwaves and their Use The idea of cooking with radiation may seem like a fairly new one, but in fact it reaches back thousands of years. Ever since mastering fire, man has cooked with infrared radiation, a close kin of the microwave. Infrared rays are what give you that warm glow when you put your hand near a room radiator or a hotplate or a campfire. Infrared rays, flowing from the sun and striking the atmosphere, make the Earth warm and habitable. In a conventional gas or electric oven, infrared waves pour off the hot elements or burners and are converted to heat when they strike air inside and the food. Microwaves and infrared rays are related in that both are forms of electromagnetic energy. Both consist of electric and magnetic fields that rise and fall like waves on an ocean. Silently, invisibly and at the speed of light, they travel through space and matter. There are many forms of electromagnetic energy (see diagram). Ordinary light from the sun is one, and the only one you can actually see. X-rays are another. Each kind, moving at a separate wavelength, has a unique effect on any matter it touches. When you lie out in the summer sun, for example, it's the infrared rays that bring warmth, but ultraviolet radiation that tans your skin. If the Earth's protective atmosphere weren't there, intense cosmic radiation from space would kill you. So why do microwaves cook faster than infrared rays? Well, suppose you're roasting a chicken in a radar range. What happens is that when you switch on the microwaves, they're absorbed only by water molecules in the chicken. Water is what chemists call a polar molecule. It has a slightly positive charge at one end and a slightly negative charge at the opposite end. This peculiar orientation provides a sort of handle for the microwaves to grab onto. The microwaves agitate the water molecules billions of times a second, and this rapid movement generates heat and cooks the food. Since microwaves agitate only water molecules, they pass through all other molecules and penetrate deep into the chicken. They reach right inside the food. Ordinary ovens, by contrast, fail to have the same penetrating power because their infrared waves agitate all molecules. Most of the infarred radiation is spent heating the air inside the oven, and any remaining rays are absorbed by the outer layer of the chicken. Food cooks in an ordinary oven as the heat from the air and the outer layer of the food slowly seeps down to the inner layers. In short, oven microwaves cook the outside of the chicken at the same time as they cook the

Majority rule and power essays

Majority rule and power essays When looking at the writings of Martin Luther King Jr. in, A Letter From a Birmingham Jail and Henry David Thoreau in Civil Disobedience, one finds that each man takes a somewhat different approach to delivering a message, but the messages are in fact similar, as both call for a drastic change to majority rule. Both men share the desire for universal justice and they feel majority rule prevents this, as too small of a number of individuals can make unjust laws that affect a large portion of the population. Majority and minority are two terms that King and Thoreau use in their writing's, but their definition of each differs slightly. King sees himself as a part of a minority in the fact that, him being black prevents him from having equal rights under the laws of the United States of America. Thoreau sees himself as a minority because he does not have a say as to the actions of the United States government that is suppose to represent him and he is supposed to support. Both men call for action and use themselves as a model for how to take action. The motive for both Thoreau's and King's writing is based on race and how the United States government does not represent all of its' citizens. The issue of race is more at the forefront of King's writing, while proper (or improper) representation by the government is more of the issue that Thoreau looks at, with race as a key point. One of the few significant differences in both men's attempt to persuade the citizen's of the United States that their government does represent all men, is the level at which each protest. King's protest is grander in the form a large march, while Thoreau prefers to do his protesting on an individual level by not adhering to an unjust law and refusing to pay his taxes. Both men believe in accepting full responsibility for their action and all repercussions that come with their actions. This is evident by the fact that both men spent time in jail for t...

Ancient Definitions of Rhetoric

Ancient Definitions of Rhetoric Broadly defined in our own time as the art of effective communication, the rhetoric studied in ancient Greece and Rome (from roughly the fifth century B.C. to the early Middle Ages) was primarily intended to help citizens plead their claims in court. Though the early teachers of rhetoric, known as Sophists, were criticized by Plato and other philosophers, the study of rhetoric soon became the cornerstone of classical education. Modern theories of oral and written communication remain heavily influenced by the basic rhetorical principles introduced in ancient Greece by Isocrates and Aristotle, and in Rome by Cicero and Quintilian. Here, well briefly introduce these key figures and identify some of their central ideas. Rhetoric in Ancient Greece The English word rhetoric is derived from Greek rhetorike, which apparently came into use in the circle of Socrates in the fifth century and first appears in Platos dialogue Gorgias, probably written about 385 B.C. . . .. Rhetorike in Greek specifically denotes the civic art of public speaking as it developed in deliberative assemblies, law courts, and other formal occasions under constitutional government in the Greek cities, especially the Athenian democracy. As such, it is a cultural subset of a more general concept of the power of words and their potential to affect a situation in which they are used or received.(George A. Kennedy, A New History of Classical Rhetoric, 1994) Plato (c.428-c.348 B.C.): Flattery and Cookery A pupil (or at least an associate) of the great Athenian philosopher Socrates, Plato expressed his disdain for false rhetoric in Gorgias, an early work. In a much later work, Phaedrus, he developed a philosophical rhetoric, one that called for studying the souls of human beings to discover truth. [Rhetoric] seems to me then . . . to be a pursuit that is not a matter of art, but showing a shrewd, gallant spirit which has a natural bent for clever dealing with mankind, and I sum up its substance in the name flattery. . . . Well now, you have heard what I state rhetoric to bethe counterpart of cookery in the soul, acting here as that does on the body. (Plato, Gorgias, c. 385 B.C., translated by W.R.M. Lamb) Since the function of oratory is in fact to influence men’s souls, the intending orator must know what types of soul there are. Now these are of a determinate number, and their variety results in a variety of individuals. To the types of soul thus discriminated there corresponds a determinate number of types of discourse. Hence a certain type of hearer will be easy to persuade by a certain type of speech to take such and such action for such and such reason, while another type will be hard to persuade. All this the orator must fully understand, and next he must watch it actually occurring, exemplified in men’s conduct, and must cultivate a keen perception in following it, if he is going to get any advantage out of the previous instruction that he was given in the school. (Plato, Phaedrus, c. 370 B.C., translated by R. Hackforth) Isocrates (436-338 B.C.): With Love of Wisdom and Honor A contemporary of Plato and founder of the first school of rhetoric in Athens, Isocrates viewed rhetoric as a powerful tool for investigating practical problems. When anyone elects to speak or write discourses which are worthy of praise and honor, it is not conceivable that such a person will support causes which are unjust or petty or devoted to private quarrels, and not rather those which are great and honorable, devoted to the welfare of humanity and the common good. It follows, then, that the power to speak well and think right will reward the person who approaches the art of discourse with love of wisdom and love of honor. (Isocrates, Antidosis, 353 B.C., translated by George Norlin) Aristotle (384-322 B.C.): The Available Means of Persuasion Platos most famous student, Aristotle, was the first to develop a complete theory of rhetoric. In his lecture notes (known to us as the Rhetoric), Aristotle developed principles of argumentation that remain extremely influential today. As W.D. Ross observed in his introduction to The Works of Aristotle (1939), The Rhetoric may seem at first sight to be a curious jumble of literary criticism with second-rate logic, ethics, politics, and jurisprudence, mixed by the cunning of one who well knows how the weaknesses of the human heart are to be played upon. In understanding the book it is essential to bear in mind its purely practical purpose. It is not a theoretical work on any of these subjects; it is a manual for the speaker . . .. Much of what [Aristotle] says applies only to the conditions of Greek society, but very much is permanently true. Let rhetoric [be defined as] an ability, in each [particular] case, to see the available means of persuasion. This is the function of no other art; for each of the others is instructive and persuasive about its own subject. (Aristotle, On Rhetoric, late 4th century B.C.; translated by George A. Kennedy, 1991) Cicero (106-43 B.C.): To Prove, to Please, and to Persuade A member of the Roman Senate, Cicero was the most influential practitioner and theorist of ancient rhetoric who ever lived. In  De Oratore  (Orator), Cicero examined the qualities of what he perceived to be the ideal  orator. There is a scientific system of politics which includes many important departments. One of these departmentsa large and important oneis eloquence based on the rules of art, which they call rhetoric. For I do not agree with those who think that political science has no need for eloquence, and I violently disagree with those who think that it is wholly comprehended in the power and skill of the rhetorician. Therefore we will classify oratorical ability as a part of political science. The function of eloquence seems to be to speak in a manner suited to persuade an audience, the end is to persuade by speech. (Marcus Tullius Cicero,  De Inventione, 55 B.C., translated by H. M. Hubbell) The man of eloquence whom we seek, following the suggestion of Antonius, will be one who is able to speak in court or in deliberative bodies so as to prove, to please, and to sway or persuade. To prove is the first necessity, to please is  charm, to sway is victory; for it is the one thing of all that avails most in winning verdicts. For these three functions of the  orator  there are three styles: the plain style for proof, the middle style for pleasure, the vigorous style for persuasion; and in this last is summed up the entire virtue of the orator. Now the man who controls and combines these three varied styles needs rare judgment and great endowment; for he will decide what is needed at any point, and will be able to speak in any way which the case requires. For, after all, the foundation of eloquence, as of everything else, is wisdom. In an oration, as in life, nothing is harder than to determine what is appropriate. (Marcus Tullius Cicero,  De Oratore, 46 B.C., translat ed by H.M. Hubbell) Quintilian (c.35-c.100): The Good Man Speaking Well A great Roman rhetorician, Quintilians reputation rests on  Institutio Oratoria  (Institutes of Oratory), a compendium of the best of ancient rhetorical theory. For my part, I have undertaken the task of molding the ideal orator, and as my first desire is that he should be a good man, I will return to those who have sounder opinions on the subject. . . . The definition which best suits its real character is that which makes rhetoric the  science of speaking well. For this definition includes all the virtues of oratory and the character of the orator as well, since no man can speak well who is not good himself. (Quintilian,  Institutio Oratoria, 95, translated by H. E. Butler) Saint Augustine of Hippo (354-430): The Aim of Eloquence As described in his autobiography (The Confessions), Augustine was a student of law and for ten years a teacher of rhetoric in North Africa before taking up study with Ambrose, the bishop of Milan and an eloquent orator. In Book IV of  On Christian Doctrine, Augustine justifies the use of rhetoric to spread the doctrine of Christianity. After all, the universal task of eloquence, in whichever of these three styles, is to speak in a way that is geared to persuasion. The aim, what you intend, is to persuade by speaking. In any of these three styles, indeed, the eloquent man speaks in a way that is geared to persuasion, but if he doesn’t actually persuade, he doesn’t achieve the aim of eloquence.(St. Augustine,  De Doctrina Christiana, 427, translated by Edmund Hill) Postscript on Classical Rhetoric: I Say The word  rhetoric  can be traced back ultimately to the simple assertion I say (eiro  in Greek). Almost anything related to the act of saying something to someonein speech or in writingcan conceivably fall within the domain of rhetoric as a field of study. (Richard E. Young, Alton L. Becker, and Kenneth L. Pike,  Rhetoric: Discovery and Change, 1970)

Martha McCaskey Harvard Business School Essay Example | Topics and Well Written Essays - 500 words

Martha McCaskey Harvard Business School - Essay Example At Seleries, McCaskey was posted to work at the industry analysis division ('Martha McCaskey 4). The first assignment at the division was to conduct a competitive analysis study for the company. The excellence with which McCaskey completed this first project earned her complementation by her seniors at the company. Her report was termed as being the best received since the beginning of the enterprise. She had done an excellent job. McCaskey's second assignment that came two weeks later was to conduct a competitive analysis for another company that made printed circuit boards (Martha McCaskey 4). Due to the sensitivity of the project, McCaskey was assigned two other members of the old guard to work with. The task was quite arduous given the lack of information and cooperation from his assigned members of the project. The report took too long to complete. Over nine months.Despite the many tasks, McCaskey developed her attitude of maintaining integrity in completing the assigned project s. Her efforts were recognized and appreciated. In 1996, McCaskey was given a substantial salary increase and a bonus of $25,000 (Martha McCaskey 5). The Silicon 6 Project came in January 1997. The project involved an old client for Seleries and concerned a new type of computer chip that was being produced by a primary competitor to the customer. There was required a detailed information concerning the costs and manufacturing processes for the new computer chip (Martha McCaskey 6). The project was assigned to McCaskey.

History Essay Example | Topics and Well Written Essays - 500 words - 6

History - Essay Example (http://www.npg.si.edu/exh/roosevelt/rrwh2.htm). 2. Hay-Bunau-Varilla Treaty, November 18, 1903 is an agreement between the United States of America and the Republic of Panama to insure the construction of a ship canal across the Isthmus of Panama to connect the Atlantic and Pacific oceans. It entails the authorization for the U.S. through the president to acquire within a reasonable time the control of the necessary territory of the Republic of Colombia. This is made possible through the powers vested in the Republic of Panama to have sovereignty over Colombia. This is one of the self-protective efforts of the U.S. against likely invasion or opposition from other rising powers like China. (http://www.npg.si.edu/exh/roosevelt/rrwh2.htm). covers his declarations and adherence to the U.S. Foreign Policy. He stressed out the importance of the Army and the Navy in its foreign policy. He talked about the peace of justice and the positive and negative factors regarding the concept of peace. It entails both rights and responsibilities to the home country in relation to the other countries and the world at large.