The Lasting Impresion of Reality Tv and Its Lack of Moral free essay sample

So in order to keep up ratings shows were forced to show what people wanted to see. As our country has slowly let go of morals and standards, its people have been forced to adapt. Reality television has been forced to diminish all possibilities for ever being labeled as moral. It has taken a direction for the worse and shows today lack little meaning or value. In its most current state, television shows force its younger viewers to grow up faster, making younger and younger kids do adult things. These reality shows exemplify things such as sex, drugs, violence, and self-harm. Television producers these days simply have no problem exposing the youth to this rubbish. In fact, the producers are specifically targeting the youth with their unmoral and controversial shows. They often reward the rebel characters with extra TV time or book them for another reality show, while the moral and respectable characters are made out to be boring and hardly ever get rewarded. We will write a custom essay sample on The Lasting Impresion of Reality Tv and Its Lack of Moral or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page America keeps asking what is making each generation less and less moral, but they fail to recognize what kinds of examples are being set. Children have not become more influential, they simply have been influenced by worse things. In the past few years, there has been a major change to reality television that diminishes its moral teaching reputation. From music videos of half naked women to reality shows full of betrayal, lies, and more vulgar than most can handle, the state of American television is in trouble. So where can you turn to when you want to avoid these unmoral shows and watch something good for a change? Well there is no clear-cut answer. Sadly, even some of the biggest networks such as CBS and NBC have started targeting the young crowd with shows that are completely inappropriate. The only solution to this problem is to simply search around a bit to find the perfect show for you. Use sites such as TVguide. com and Amazon. com to check out some reviews and customers opinions on the show before you start getting into it..

Modeling of Market Segmentation †Free Samples to Students

Question: Discuss about the Modeling of Market Segmentation. Answer: Introduction Nestle is one of the leading FMCG company, founded in Switzerland. Currently, the company is having an operation in almost 86 countries. The company consists of the 339,000 employees along with the sales of more than $130 billion in 2014. By the year 1906, Australia had become the second largest export market for the company. Nowadays the company is making the sales of more than $ 550 million across the world. Nestle include some famous brands such as Nescafe, gourmet, Kit Kat, Maggi, Nestea, etc. (Nestle, 2017) The company is having a good market and follow the marketing strategies. The company has adopted the culture of different countries and has established their operations. The report talks about the market segmentation, target audience and position of the brand in the market (Venter, Wright, Dibb, 2015) Market segmentation is marketing concept that is used by the company's to understand the customer's requirement by satisfying their needs. Different customers have different requirement, it is difficult for the company to satisfy the needs of the customers at the same time or collectively. This is the reason each and every organization is following market segmentation strategies (Boone, Kurtz, 2013). There are 4 types of market segmentation on the basis of customer characteristics. Geographic area Demographic area Psychographic area Behavioural area Geographic segmentation: - This segmentation is based on the location of the customer. The target audience preferences vary according to their locations. Geographic segmentation can be done on the basis of the world or country region or rural area segmentation (Peck, Christopher, Clark, Payne, 2013). Nature; Nestle has segmented its current market for Nescafe Ice on the basis of geographic weather such as warm and cold. Nescafe Ice is a coffee which may be consumed with ice. During the cold season, most of the customer avoid consuming ice. This shows that nestle make the product available according to the demand of the product. Demographic segmentation: - This segment includes the target market on the basis of the age, gender, family size, income, etc. nestle main products are based on the generations (Dietrich, et. al., 2015). Different products like Cerelac, lectogen, Koko, Krunch, Nido contain different segment market according to the products. Age: - Nestle offers it products to people that consists different age group. It totally depends on the product which product they are offering. Each product of company contains some or other minerals; those are inculcated by company according to different age group peoples. Nido; it is nutritious milk which is available for the childrens whose age group is 2 years or above. This product contains 25 minerals and vitamin D which helps in the growth of the children. Cerelac; ceralac contains a mixture of milk and rice which is available for the one year baby. So the company targets new born babies. This product fulfills the demand of nutrition in foods. Nesquick, Koko Krunch; this is a chocolate milk for babies. It contains vitamin, protein, and minerals that plays an essential role in child's required growth. Income: - Nestle targets the customers on the basis of their income. Nestle product is also available for the low-income group people. The most popular product of a company that is used by the people is Nescafe coffee. Psychographic segmentation: - This segment involves the market based on the values, attributes, a lifestyle of the people, etc. (Hamka, et al., 2014). Lifestyle: - Lifestyle includes the living standard of the people. Products of a company are in demand because of hike in the living standard of people. Peoples consume nestle products as this indicate their rich and prosperous lifestyle. Social class: - The products of the nestle brand itself shows a class. People who consume the products think that consumption of this product will add to the class. Behavioural segmentation: - This market strategy is actually based on the consumer buying behavior. It segregates the market on the basis of the knowledge of the customers, their attitudes towards the product (Browne, Pullinger, Anderson, Medd, 2013). Benefits: - The market of the Australia is segmented according to the requirement of the product. Nescafe coffee is in demand by the people after knowing the benefits. Similar with the cerealc that contains high nutrition that is beneficial for the child whose age is less than a year. The products are more in demand because the customers keep knowledge of the product and they have a preference for the products. Advantages and disadvantages of different segmentation Segmentation Base Advantages Disadvantages Geographic segmentation Geographical segmentation allows companies to consider cultural differences of different countries across the world. Provide an opportunity to the company to expand the business globally after understanding the culture of the countries (Nasiopoulos, Sakas, Vlachos, Mavrogianni, 2015. In this segmentation, a company needs to assume that all the customers are similar and have similar demands. Demographic segmentation It is very simple to apply for the companies. Companies can consume the data available with the government. Required data related to the consumer and their preferences can easily obtain by the company (Gunter, Furnham, 2014). Different consumers of a different age group and income group have different demands. So a company may find difficulty in segregating the group. Psychographic segmentation The organization can give better insight to the customers in understanding the needs and motives of the customers. A better understanding of customer needs may help a company to deliver a better experience to the customers (Bo Liu, et.al., 2014). Organisations who consider this segment need to acquire appropriate data/research that can be used by the company for segmentation. Behavioural segmentation This segmentation is often used by the company to attract the heavy users. It can also be utilized to identify the knowledge that customer has regarding the product that company is offering. This segment is dependent on the detailed market intelligence, database, testing, and experimentation. This makes it an expensive process (Vinerean, Cetina, Dumitrescu, Tichindelean, 2013). Target market A target market is a group of individuals which is targeted by the company for their products. The company target audience on the basis of segmentation. Nestle distributed their target market because of a numerous number of requirements and wants of the company. Nestle decided to choose differentiated marketing (Gilani, Kazemi, Asadi, Samadzadeh, Atashpanjeh, 2014). This shows that company target different customers according to the requirement of the customer for different products. This is done on the basis of different ages, occupation, season and climate. Primary and secondary target market The company makes separation in the target market. They target on the basis of a primary and secondary target market. The primary target audience includes the customers who are most likely to buy the product. On the other hand, the secondary market includes who second most important customers for the company. Nescafe is a preferable product for the consumers (Begum, 2015). The primary target market includes people who like to prefer coffee on the regular basis without any hassle. Customers who want to enjoy different flavours of the coffee (latte, mocha, Cappuccino). Demographic segmentation is a primary target for nestle company. The age group which is considered as the primary target is 20-35 of middle and upper class. Nestle cerealc is increasing in the demand. This is the reason customer consider new born babies age of 1-5 years into the primary target market. The secondary target market of a company include the people of the age group of 35-50 or 5-20. The reason begins there are some of the products like nestle kit kata and Maggi which is mostly preferred by the people having the age group of 5-20. The Nescafe one of the products of the company is least in the demand by the age group of 35-50. Apart from the age group, income group also matters. The average and low-income group are considered in a secondary target market. The below given is the customer profile of the company. This customer profile is based on the segmentation. This shows that from each segment how company targets the audience. Consumer profile of nestle company Geographic dispersion Urban suburban position (no rural positioning done as it is not cost-effective) Family life cycle Full nest-I Social stratification Upper- upper class Lower- upper class Upper- middle class Age segments Infants (0-5) Mothers (18-45) Childrens, adults, youth and teenagers of different age group Income Average Above Average High-income group people Gender Male and female, including childrens Lifestyle or social class People who maintain a high standard of living and people who believe in social class. Social class Some people believe that consuming products of a company will add value to their class and social status. Occupation Youth, working professionals, athletes, health enthusiast, and sports enthusiasts. Positioning Positioning defines as the place that a brand captured in the mind of the customers which is different from its competitors (Armstrong, Kotler, Harker, Brennan, 2015). Nestle is making a place in the market very easily as compared to its competitors. The above image shows the perpetual map of nestle company in which position is visible. The company position is in between the high price and high quality. The company is following different strategies to maintain the position in the market. There are some of the strategies which are explained below that company follows (Shank, Lyberger, 2014). Strategy related to product differentiation: - Nestle makes available different products to their customers. The company provide a product such as Nescafe coffee, Maggi, Nescafe ice, etc. company provides different products which make the brand popular in the market. The customers who are not aware of the product will get to know about the product. Maggie includes instant Maggi in 2 minutes which contain minerals and vitamins (The Next Practice, 2017). Strategy related to Channel differentiation: - Channel of distribution followed by a company is unique. The company believes in delivering the products to the customers through experienced market salesman and transportation. Hence, their products are going to be easily available to the customers (Silva, 2013). Strategy related to Image differentiation: - The logo of the company is unique and different from the competitors. The customer can easily choose nestle in the market for its effective benefits for nestle products. The logo presents the image of the company. Recommendation for positioning strategy Nestle can work on the positioning strategy of the company. The company should try to implement the standard testing ways. The standard testing will reduce the faults in the products. The products introduced by the company need to be tested and there should be some standard. Products are offered from infant to youth or aged. So a company should try to deliver best quality products that will enhance the position of the company in the market. Cerealc is one of the products which are offered to infants. Hence, the company should make sure that they are delivering a tested product. Earlier while testing food quality it was found that Maggi contains lead in it. This case created an impact on the positioning of the company. The customers of the company either switched the brand or started using Maggi again after some time. This shows that the company needs to focus on the testing of the product and the quality of the product. Positioning is based on the quality of the product. This also impacts the demand and sales of the product. The company needs to maintain the standard of the products that they are offering to the customers. This will help in enhancing the position as well as the demand of the product. Conclusion The report throws light on the segmentation, targeting and positioning of Nestle. The company is a largest food processing company. With the change in the time, there is a change in the demand of the customers. The company believes in providing quality services to their customers to increase the efficiency of the target audience. This target audience is separated into different segments. Segmentation is done by the company considering the demands of the product by the customers (Keegan, Green, 2015). The quality product and services of the company will enhance the position of the company in the market. To enhance or to maintain the positioning of the company follows some strategies. The company should test the product before introducing it into the market. References Armstrong, G., Kotler, P., Harker, M., Brennan, R. (2015). Marketing: an introduction. Pearson Education. Begum, T. (2015). Critical analysis of Amra Korbo Joy (AKJ). Bo Liu, H., McCarthy, B., Chen, T., Guo, S., Song, X. (2014). The Chinese wine market: a market segmentation study. Asia Pacific Journal of Marketing and Logistics, 26(3), 450-471. Boone, L. E., Kurtz, D. L. (2013). Contemporary marketing. Cengage learning. Browne, A., Pullinger, M., Anderson, B., Medd, W. (2013). The performance of practice: An alternative approach to attitudinal and behavioural customer segmentationfor the UK water industry. Das, S., (2014). Nestle Slim Milk: Segmentation, Targeting and Positioning. Viewed on 31st August 2017, https://surabhiudas91.wordpress.com/2014/09/26/nestle-slim-milk-segmentation-targeting-and-positioning/ Dietrich, T., Rundle-Thiele, S., Schuster, L., Drennan, J., Russell-Bennett, R., Leo, C., ... Connor, J. P. (2015). Differential segmentation responses to an alcohol social marketing program. Addictive behaviors, 49, 68-77. Gilani, S. R. M., Kazemi, M., Asadi, H., Samadzadeh, G. R., Atashpanjeh, A. R. (2014). Market segmentation of sport tourism in Iran for foreign tourists regarding culture and modeling of target market. Asian Journal of Research in Marketing, 3(6), 192-200. Gunter, B., Furnham, A. (2014). Consumer Profiles (RLE Consumer Behaviour): An Introduction to Psychographics (Vol. 5). Routledge. Hamka, F., Bouwman, H., De Reuver, M., Kroesen, M. (2014). Mobile customer segmentation based on smartphone measurement. Telematics and Informatics, 31(2), 220-227. Keegan, W. J., Green, M. C. (2015). Global marketing. Upper Saddle River, NJ: Pearson. Moura, A., Branco, M., Camoesas, M. (2015, June). NESTL, A GLOBAL FIRM AND ITS CUSTOMER RELATIONSHIPS. In IMC 2015 International Management Conference 26th June 2015 (p. 96). Nasiopoulos, D. K., Sakas, D. P., Vlachos, D. S., Mavrogianni, A. (2015, February). Modeling of market segmentation for new IT product development. In AIP Conference Proceedings (Vol. 1644, No. 1, pp. 51-59). AIP. Nestle. (2017). History. Viewed on 31st August 2017, https://www.nestle.com.au/aboutus/history Peck, H., Christopher, M., Clark, M., Payne, A. (2013). Relationship marketing. Taylor Francis. Shank, M. D., Lyberger, M. R. (2014). Sports marketing: A strategic perspective. Routledge. Silva, H. M. S. D. R. (2013). A Marketing strategy for gelados Nestl based on the young adults (Doctoral dissertation). The Next Practice. (2017). Nestl / Product Positioning Strategy. Viewed on 31st August 2017, https://thenextpractice.com/portfolio/nestle-bop-strategy/ Venter, P., Wright, A., Dibb, S. (2015). Performing market segmentation: a performative perspective. Journal of Marketing Management, 31(1-2), 62-83. Vinerean, S., Cetina, I., Dumitrescu, L., Tichindelean, M. (2013). The effects of social media marketing on online consumer behavior. International Journal of Business and Management, 8(14), 66.

Free Sample Essay About Us Congress

Free Sample Essay About Us CongressThere are free sample essays that are written by congressional staffers. These may be used as the basis for your own writing projects. Be sure to take the time to look at the sample so that you will know how to customize it to suit your particular needs.Whether you are looking for a particular issue that might need attention or a particularly thoughtful solution, the authors of the free sample could address a variety of issues relating to the primary policy issues of the day. For example, an author might focus on privacy issues that relate to both private and public activity. In addition, the same authors might write about issues pertaining to a particular presidential candidate.The free sample may provide solutions for a variety of problems. For example, an author might address problems in education that relate to child obesity, school funding, standardized testing, and the use of the Internet as a tool for instruction. A member of Congress might a ddress issues regarding tax rates and the taxes themselves. It is important to remember that many of these ideas will not be new to the members of Congress.As with any essay, these samples can be useful for a very useful introduction to the subject matter. In addition, these samples provide an introduction to the most important ideas for any legislator. Remember that these samples provide a starting point to help guide the writer through the process of developing a strong presentation.When writing these samples, you may want to consider the length and tone that you wish to use. For example, if you are writing about the common cause of all lawmakers, the free sample might be more appropriate than the novel level essay. On the other hand, if you want to write a descriptive essay on the Internet, the sample may be a better option than the current situation.Thebest way to write the free sample is to pick a topic that interests you and find a professional who can provide assistance in de veloping your own outline. You should also consider interviewing current lawmakers for insights on the issues that are of greatest interest to them. Of course, it is never too late to discover the perspective of the other side to present a balanced analysis.In addition, you should avoid using jargon as much as possible when writing the essay. If you are not comfortable using slang or acronyms, it is a good idea to seek help from an expert. When writing an essay for Congress, it is important to avoid writing from a strictly political perspective.With the help of a professional, you should be able to produce an essay for Congress that is designed to help solve a problem. Most of the writers who can be found in some form on the Internet will be available to provide assistance. Remember that writing for Congress requires some specific skills.

Teenage Pregnancy Essays (1809 words) - Midwifery, Human Development

Teenage Pregnancy Although the rate of teenage pregnancy in the United States has declined greatly within the past few years, it is still an enormous problem that needs to be addressed. These rates are still higher in the 1990's than they were only a decade ago. The United State's teenage birthrate exceeds that of most other industrialized nations, even though American teenagers are no more sexually active than teenagers are in Canada or Europe. (Gormly 348) Recent statistics concerning the teen birthrates are alarming. About 560,000 teenage girls give birth each year. Almost one-sixth of all births in the United States are to teenage women are to teenage women. Eight in ten of these births resulted from unintended pregnancies. (Gormly 347) By the age of eighteen, one out of four teenage girls will have become pregnant. (Newman 679) Although the onset of pregnancy may occur in any teenager, some teens are at higher risk for unplanned pregnancy than others. Teenagers who become sexually active at an earlier age are at a greater risk primarily because young teenagers are less likely to use birthcontrol. African-American and Hispanic teenagers are twice as likely to give birth as are white teenagers. Whites are more likely to have abortions. Teenagers who come from poor neighborhoods and attend segregated schools are at a high risk for pregnancy. Also, teenagers who are doing poorly in school and have few plans for the future are more likely to become parents than those who are doing well and have high educationsl and occupational expectations. Although the rate of teenage pregnancy is higher among low- income African-Americans and Hispanics, especially those in inner city ghettoes, the number of births to teenagers is highest among white, nonpoor young women who live in small cities and towns. (Calhoun 309) In addition to the question of which teenagers become pregnant, interest is shown in the social consequences of early parenthood. Adolescent parents (mostly mothers) may find that they have a "lost or limited opportunity for education." (Johnson 4) The higher a woman's level of education, the more likely she is to postpone marriage and childbearing. Adolescents with little schooling are often twice as likely as those with more education to have a baby bafore their twentieth birthday. Some 58% of young women in the United States who receive less than a high school education give birth by the time they are twenty years old, compared with 13% of young women who complete at least twelve years of schooling. (Tunick 11) Teens who become pregnant during high school are more likely to drop out. (Calhoun 310) A teen mother leaves school because she cannot manage the task of caring for a baby and studying, and a teen father usually chooses a job over school so that he can pay bills and provide for his child. (Johnson 4) Teen mothers usually have fewer resources than older mothers because they have had less time to gather savings or build up their "productivity" through work experience, education, or training. (Planned Parenthood 1) Because of this, teen mothers are generally poor and are dependent on government support. (Newman 679) The welfare system is usually the only support a teen parent will receive. Welfare benefits are higher for families with absent fathers or dependent children. (Calhoun 309) In some cases, teen mothers may also receive help like Medicaid, Food Stamps, and "Aid to Families with Dependent Children" (AFDC). (Newman 679) Besides educational and financial problems, teenage mothers may face a great deal of emotional strain and may become very stressed. Teen mothers may have limited social contacts and friendships because they do not have time for anything other than their baby. Lack of a social life and time for herself may cause the teenage mother to become depressed or have severe mental anxiety. (Johnson 5) Depression may become worse for a teenage mother because she usually does not know much about child development or about how to care for their children. Children who are born to teenage mothers usually suffer from poor parenting. (Berk 188) Also, children of teenage parents start being sexually active before their peers and they are more likely to become teenage parents themselves. These children may also suffer from financial difficulties similar to that of their parents. "Children whose mothers are age seventeen or younger are three times as likely as their peers to be poor, and are likely to stay poor for a longer period of time." (Calhoun 311) The children born to teenage mothers sometimes score lower on development tests than the children

Veterinary Shadow Day Essays - Dog Breeds, Beagle, Bo, Free Essays

Veterinary Shadow Day Essays - Dog Breeds, Beagle, Bo, Free Essays Veterinary Shadow Day When I first arrived Lisa The girl that I shadowed told me that there was an emergency with one of the animals. It ended up that a one-year-old beagle ate an entire thing of metabolite, and then slowly started to die. The liver had shut down, and the heart rate was up to 300. Lisa told me that taking a thing of metabolite was like taking 50 cups of coffee at once. The owners of the beagle were there and bowling. The beagles name was Murry. Murry's body slowly was shutting down one thing after another. The owners made the decision the dog was going to be put to sleep. We got the dog ready to be taken out. They undid all the cords from the dog so they could take it to another room. I said goodbye to the dog, and then they took it into the other room so that the owners could be there when they put him to sleep. After that happened they then had to put a sleep a little hedgehog that had cancer on its mouth. We then did two regular checkups with one cat and with one dog. Those when great. After that we had a dog come in and it ended up having an affection that might end up killing it. I never heard the end result. The last thing that I did there was that a black lab had been bitten by another dog, and that dog ripped a hole in the neck of the black lab. The doctors had to perform surgery on the dog to close up the holes in the neck. They first had to clean it out with qutips. And blood stated to come out right then I was a little dizzy and I thought I was going to faint. But thank god I didnt. I saw a cat get dental work on it. And a cat get a bath and they had to blow dry it and brush the hair while it was a sleep. I thought that the work place environment was very clean and very professional. On my pictures on the poster it shows you that they even had a place for dogs to go in and a separate place for cats to go in they also have different waiting rooms for each of them. I could easily be able to work in a place that is that clean, and so organized. I learned multiple things there from chemicals how much they need how much they use math and science, to there organization skills, and there abillity to be able to communicate with the animals and be able to not cry ever time they have to put them to sleep. The things that they do hardly relate to what Im doing in school right now, because Im not that smart yet. But in science we are learning about different chemicals together and how they make a reaction. Also Im learning how to keep everything nice and organized, so I know where everything that I need is. I observed many behaviors that they showed that would be important in a lot of jobs. One of those are there communication skills. To be able to work with many different people under the type of stress that they can be in is hard. That aplies to a lot of jobs because a lot of different jobs make you work under a lot of stress with many different people at the same time. There are countless skills that you take on with you to college or even work. Kindness, cleanness, organization, and most of all people skills with out that you not be able to handle being in a job with other people. Being a veterinarian is something that I have always even since I was a little girl have wanted to be. I have always loved animals expesialy dogs. I love to take care of them to train them, and most of all to make them feel better. This is exactly what a veterinarian does every day. Nothing was really bad about the job shadow. It was a great experience and I had a lot of fun. But one thing is

Analysis of the Department of Homeland Security Research Paper

Analysis of the Department of Homeland Security - Research Paper Example On November, 25 2002, the DHS was established fully after the enactment of the Homeland Security Act of 2002 (Reddick, 2010). The responsibilities of DHS today basically revolve around the security of the country. Securing the borders is therefore one primary role of the department and this has led to close to one million deportations of illegal immigrants per year. In addition, thousands of illegal immigrants are also deterred from crossing the borders into the country. The department also facilitates legal immigration and provides guidance to various organizations in the field concerning issues of employment in order to address illegal immigration. With respect to natural disasters, the department seeks to ensure that the country is always ready to assist communities at all stages in the event of a disaster (Logan, 2010). Organizational Design The current design of the DHS is created to ensure the best service delivery and limit any challenges that might arise as a result of a poor structure. Like other departments in the country, DHS is headed by a secretary in this case the Secretary of Homeland Security. The Secretary is appointed by the President with the approval of the Senate. Second in line is the Deputy Secretary with several Under Secretaries and Assistant Secretaries within different sections of the Department. Currently, DHS has a number of component agencies and divisions charged with different functions. The agencies include: Customs and Border Protection Transportation Security administration Citizenship and Immigration Services Immigration and Customs Enforcement United States Coast Guard Federal Emergency Management Agency United States Secret Service In addition, the Department is further divided into nine divisions. Considering the objectives of the DHS, it is imperative to note that its structure is certainly appropriate in ensuring its core mandate. For instance to enhance the formulation of policies within the department, there is an Unde rsecretary for Policy who is charged with the duty of strengthening this important role. The structure of the organization is much â€Å"flatter† and this is a source of empowerment as agencies with overlapping missions are consolidated while the agencies can directly report to the secretary through the Deputy Secretary (Cackley, 2010). Considering that the primary recipients of the department’s services are the people of the United States, there is a lot of rationalization through the creation of a risk-based mechanism for resource allocation which is effective in responding to catastrophic terrorism. Assessment of Organizational Design In order to ensure better service delivery and address most of the challenges realized in these changing situations, it is important for the department to adopt slight modifications in its present organizational design. Presently, there is little clarity on the subject of bio-defense and cyber-defense despite these two issues becoming a major concern across the world. In line with the department’s commitment to rationalize its activities, there should be an improvement in departmental oversight through the establishment of efficient oversight committees within the department. It is further seen that the department lacks an efficient internal review mechanism to evaluate

Finance (Principles) Essay Example | Topics and Well Written Essays - 1750 words

Finance (Principles) - Essay Example Jack wishes to have the exact same amount of monies available at the end of the 12 months as his friend Sandra. Thus Jack is aware he must re-invest the principal and any interest earned at the expiry of the 9-month term deposit. Jack should re-invest his money in the next three months at 0.47% interest rate per month, or at 5.6% interest per annum, in order to make his investment equal to that of Sandra at the end of 12 months. You plan to borrow $380,000 from ANZ Bank to fund an investment opportunity. The Bank offers you a reduction in principal loan (in this type of loan repayments comprise principal plus interest) with a nominal interest rate (APR) of 6.8% compounded monthly over a 12-year period. This is a typical type of business loan where the bank negotiates a loan with the customer based upon a given period (in this case payments are based on a 12-year term) BUT in this particular type of loan the Bank requires you to repay the loan balance in full earlier than 12 years (BEFORE MATURITY) - unless you re-negotiate a new loan with them. You have $100,000 at your disposal today. You wish to endow a college scholarship. You structure the scholarship so that, beginning today, it will pay out the same amount of money per year forever. The endowment discount rate is 7%. Dreamliner Airline is considering investing in several new aircraft. The initial investment will cost them $675 million. The investment is expected to produce revenue of $118 million per year over the next 25 years. The cost of running the new planes is $23 million per annum over the 25-year period. c) Using the WACC you calculated in Q5 (you will not be able to answer this question until you complete Q5!) and following the IRR investment rule, should Dreamliner Airline take on the investment opportunity to buy the new planes? Explain why or why not? (4 MARKS) d) Theory suggests the WACC calculation is simply an estimated figure for the cost of capital.