For this part of the course project, you will demonstrate your ability to illustrate the functions and impact of banking and monetary institutions and to provide a recommendation guided by them.

In your role as a financial advisor at Eagle Consulting, you are performing a complete financial analysis for Melinda Jacobsen, a successful business executive who is retiring in 10 years. A portion of this analysis covers the question of whether Ms. Jacobsen should refinance her home in order to provide additional funding for a long-term retirement investment.

Because “above and beyond” customer service is critical to the success of Eagle Consulting, in addition to providing a recommendation on possible refinancing options, you want to provide Ms. Jacobsen with some background information on the Federal Reserve and how it affects interest rates.

Using the information about Melinda Jacobsen’s goals and the information you uncover during your research, you will write a recommendation document that explains the Federal Reserve, how the Federal Reserve affects interest rates, possible loan options, and a final recommendation for what loan she should choose.

To complete this assignment, do the following:

1. Download and read the Eagle Consulting Info Sheet.
2. Write a 3 page recommendation structured in three parts:
   1. Explanation of how the Federal Reserve impacts interest rates (1.5 pages)
   2. Explanation of loan options (1 page + Excel chart)
      Recommendation for a loan (.5 page)

      See below for details on each of the three parts.

   3. Part 1: Federal Reserve’s Impact on Interest Rates
   4. 1. Discuss how the Federal Reserve uses the following tools to impact interest rates and the economy:
         1. Open market operations
         2. Discount rate
         3. Reserve requirements

      Part 2: Loan Options

      1. Research the current mortgage interest rates for a 10-year, 15-year, 20-year, and 30-year loan.
      2. In Excel, graph the interest rates using years as the X-axis and interest rates as the Y-axis.
      3. Using the graph, describe the following:
         1. Type of yield curve presented in the graph
         2. Relationship between interest rates and number of years to maturity
         3. Impact that risk and inflation has on the interest rates as the maturity date is lengthened

      Part 3: Recommendation

      1. Make a recommendation to Ms. Jacobsen on what mortgage loan to take (10-year, 15-year, 20-year, or 30-year).
      2. Justify your recommendation.

In a minimum of 300 words (full sentences required) answer the following questions regarding Amendments 1, 4, 5, & 14.

1. Chapter 6: You are the coach at a public university. Half of your team belongs to an evangelical Christian church. A fourth is comprised of atheists, and a fourth is of an Islamic set. The evangelical church members ask if they may lead the team in prayer before a big game. The Islamic students remind you of their need to fulfill their religious requirements to pray at specific times during the day that overlap with team meetings. The atheist students haven’t said anything to you about religion. You need to accommodate your students while also being sensitive to their variety of beliefs.

a. How do you respond to each group’s request? Support your decision with legal principles (i.e. which laws apply and why; what is your course of action based on the relevant laws)

b. Imagine you work for a private school (no federal funds)—will your response to the groups of students be different? Why? How might your response differ?

2. Chapter 7: You are the coach at a public university. On your team there are a few students you connect well with and a few others you don’t like quite as much. Assume one of your less well-liked student athletes was accused by another student-athlete of breaking a team rule. Because the accused athlete has been testing your authority, questioning your methods, and being more difficult to work with than the other team members, you are tempted “throw the book” at the athlete and remove them from the team.

a. What are two (2) constitutional issues in the chapter that might be of concern to you or the athlete if you bar the athlete from participation? What amendments apply and why?

b. Would the issues be any different if the athlete was on scholarship and planning to sign a professional contract upon graduation?

c. What is your best course of action to disciplining the student after considering the constitutional issues present?

Cover Page/Slide (Student Name, TECA 1303.___ and Due Date)

Part 1: Family and Community Characteristics

1. Create a family questionnaire/list of questions to gain a better understanding of families and their community. Your questionnaire/list of questions should, at a minimum (15 questions), address the following: socioeconomic conditions; family structures (single parent, divorced, etc.), relationships, stresses, supports, the family size, the household members, the roles of each person in the household (women’s roles, men’s roles, children’s roles, etc.), racial and ethnic characteristics, home language, cultural practices/values (holidays, celebrations, etc.), ethnicity, and their community resources/neighborhood characteristics (cohesiveness and organization, crime, violence, public parks, clinics, shopping, schools, etc.). Standard 2a. Knowing about and understanding diverse family and community characteristics.
2. Using your questionnaire/list of questions, interview a parent from each one of the following ethnic backgrounds; Asian American, Caucasian American, Native American, Hispanic American, African American, and Middle Eastern American (minimum of 6 interviews). Standard 2a. Knowing about and understanding diverse family and community characteristics.
3. Visit a local community agency and interview a professional at that agency that works to support and educate parents. Obtain information about the type of services they offer, the characteristics of families they serve (race, ethnicity, family structure, family size, etc.), the major needs of the families they serve, their views about the impact family characteristics and community characteristics plays on children’s development. What are some major concerns, difficulties, and needs of parents that he or she reports? Standard 2a. Knowing about and understanding diverse family and community characteristics.
4. Write a 1-2 slide summary about your experience using theory and research based on the interviews you conducted with the different participants of Part 1. Be sure to demonstrate your knowledge and understanding of diverse families, as well as community characteristics by reflecting on why it’s important for teachers to understand family life, why teachers should be aware of contemporary trends affecting families today, and the types of diversity teachers may encounter when working with families. Standard 2a. Knowing about and understanding diverse family and community characteristics.

ESSAY #1 – IDENTITY AND DIVERSITYCONTEXT – This essay is a reflection on your multifaceted social identity at this time in your life and astatement about how you are beginning to understand yourself in a diverse world as you prepare tolaunch into your imagined best future. In this essay, identify the personal and social characteristics ofyour life according to relevant and valued diverse group memberships, i.e., ethnicity, race, gender,national origin, religious affiliation, political preference, economic status, abilities, interests, educationaland professional aspirations, etc. This will be a first-person narrative reflecting on the question: Who amI and how can I understand and contribute to a diverse workplace?The essay should be a personal reflection on your present-day awareness of social identity, not only ofyourself but also of others. It should not be limited to a literal telling of each demographic or social groupwith which you might be affiliated. Your social identity is an accumulation and integration of diverse andmultifaceted connections, experiences and social relationships that make you who you are as a person,and provides you with a sense of social belonging. In other words, what makes you unique and complexas a human being? Also, how would you imagine your emerging social identity in such a way that youwill become more connected, relevant, interesting and effective in a future business or career setting?The readings from the first two weeks of class provide the background for this prompt. It is expectedthat your essay will include reference to these works as evidence of your understanding.ESSAY PROMPT – Who am I? What is my social identity: from which groups do I derive my values,interests, preferences, biases and commitments? How does my identification with these groups helpme achieve and/or limit me today? How might my developing social identity help me to create futureopportunity, contribute to a diverse workplace and point the way ahead in my professional life?REQUIREMENTS• 1,200 to 1,500 words including required introduction and conclusion paragraphs§ No pre-submission reading of essays, but we would be happy to discuss your ideas in OHs

Reply posts to the post below in a substantive in a manner and address two of the following bullets:

• Answer a question (in detail) posted by another student or the instructor.
• Provide extensive additional information on the topic.
• Explain, define, or analyze the topic in detail.
• Share an applicable personal experience.
• Provide an outside source (for example, a website) that applies to the topic, along with additional information about the topic or the source (please cite properly in APA format).
• Make an argument concerning the topic.

POST:

HR is very knowledgeable in many areas that seem to be unexpected to most, which is a hinderance when it comes to utilizing an HR department to its utmost potential. One strategy that HR personnel can implement on their own so that their value is more easily recognized is to further develop expertise by having and attending trainings so that strategies are always updated and applied properly. Allowing for HR departments to participate in outside trainings, and conferences to gain additional certifications lets them further develop their knowledge and skills as HR professionals while also adding value to the organization (Kokemuller, 2019).

Another strategy that an HR department can take is simply being adaptable to provide the best service their organization (Meusurger, 2017). Being knowledgeable in the industry and being able to provide individualized service and expertise brings up the value of the HR department because it is an extension of the model that is provided to the employees. Employees and managers of an organization can trust in the HR department to be exceptional branches of the values and ethics of the company itself when additional effort is placed on going beyond when it comes to providing and executing HR strategies.

Kokemuller, N. (2019, January 28). How does HR add value to an organization? SmallBusiness.Chron.com – Organizations. Retrieved from https://smallbusiness.chron.com/hr-add-value-organization-50980.html (Links to an external site.)

Meusburger, S. (2017, February 8). 4 ways to boost the value of HR in your organization. SHRM.org – Member2Member Solutions. Retrieved from https://www.shrm.org/resourcesandtools/tools-and-s…