Expected shortfall

Sports Have No Place in Higher Education While college student’s pile up debt to cope with sky rocketing tuition, and universities are battling immense budget shortfalls; institutions of higher learning continue to waste vast amounts of money on sports programs that in no way relate to their mission to provide an education. As schools turn away scholastically qualified students and provide diminishing financial aid to those accepted, they dole out full athletic scholarships to less qualified…

friction points and operational environment variable in respect to the operations. The other one is battle Handoff, during the battle handoff process, there is a constant flow of information with those currently in the area of operation and those expected to replace them. This is critical for a time because it allows for a smooth exchange and create stability within the OPTEMPO of the initial phase of the…

Installment Loans Come Under Fire by the CFPB Regulatory Guns Installment Loans Come Under Fire by the CFPB Regulatory Guns The Consumer Financial Protection Bureau, which is usually referred to as the CFPB, has consistently cut through traditional checks and balances to expedite financial reform in the wake of 2008's mortgage and banking crisis. The bureau has used questionable techniques and astonishing speed in its investigations against the payday loan industry and other financial…

orange juice futures jumped 1.5% for January 2016, according to the New York based global commodity trading organization Intercontinental Exchange® (ICE®) (Perez, 2015). The basis for this claim is the proliferation of a century-old disease that is expected to devastate the worlds’ orange juice supply in the coming years (Perez, 2015). The disease, known as Huanglongbing (HLB), or “citrus greening,” is caused by the Asian citrus psyllid insect. The insect spreads the disease as it moves from…

four years spent in medical school, and the three to eight years spent doing residencies and fellowships. Nurse practitioners usually earn a bachelor’s degree in nursing(BSN) and at least a master’s degree in nursing. Nurse practitioners are also expected to obtain advanced clinical training beyond their initial registered nurse preparation. Nurse practitioners must be nationally certified and licensed in states in which they plan to practice. Although nurse practitioners must undergo a…

insurance to the public is also provided majorly by the government. Leading to tremendous changes in the healthcare insurance, came into play the amendment of Patient Protection and Affordable Care Act in 2010. With the introduction of this act, it is expected to transform the practices of healthcare clinically…

There is either not enough jobs or there are not enough skilled individuals to handle the required jobs. Because of the government spending and fiscal shortfalls of Venezuela’s leadership, its citizen’s day-to-day lives have been affected, education has not been a top priority. Everyday there are roughly 30% - 40% percent of the Venezuelan teachers that do not show up to teach their students because they…

The majority of business ethics literatures have traditionally focused on the negative aspects of ethical decisions which often result in harming humans, animals or the environment. There has not been much focus on positive aspects of ethics. Positive business ethics involve decisions that are morally praiseworthy. (Spreitzer & Sonenshein, 2004). In this paper, I will provide a positive example of an ethical business decision aimed at solving inequities that have plagued the University of…

In the 2011 Canadian federal election, voter turnout was a disappointing 61.1% according to Elections Canada records; this was the second lowest recorded turnout in Canadian history. The introduction of the Fair Elections Act (Bill C-23) will likely drive this percentage even lower. Bill C-23 is a controversial Bill that makes significant changes to federal election policies in Canada. Harry Neufeld, an independent election consultant, argues that, contrary to its title, the Act is undemocratic…

The history of the lottery began some fifty plus years ago where before then it was banned in every state in America. After state governments decided it was partly their responsibility to protect citizens from the dangers of gambling, they found it to be their duty to govern the lottery. New Hampshire established the first state lottery in 1964, it then soon spread throughout the northeast. All the states between Maryland and Maine had a lottery, by 1978. Lotteries went west in the 1980s,…