Wednesday, January 29, 2020
Applying Information Security and SDLC Essay Example for Free
Applying Information Security and SDLC Essay Write a paper of no more than 3,000 words in which you discuss one of the bookstores, use the SDLC method to implement a new technology into the bookstore, and detail a disaster recovery plan for the bookstore. Cite at least five references in your paper. Format your paper consistent with APA guidelines. If you are thinking of joining a fraternity or sorority, take the time to look into what each individual house has to offer. While there are similarities, many houses are different in the types of community service they do, the types of activities they prefer, and the overall attitude they portray. This pack contains BIS 320 Week 5 Applying Information Security and SDLC to Business General Questions General General Questions Resource: University of Phoenix Material: Applying Information Security and SDLC to Business Write a paper of no more than 3,000 words in which you discuss one of the bookstores, use the SDLC method to implement a new technology into the bookstore, and detail a disaster recovery plan for the bookstore. Cite at least five references in your paper. Format your paper consistent with APA guidelines. If you are thinking of joining a fraternity or sorority, take the time to look into what each individual house has to offer. While there areà similarities, many houses are different in the types of community service they do, the types of activities they prefer, and the overall attitude they portray. This pack contains BIS 320 Week 5 Applying Information Security and SDLC to Business General Questions General General Questions Resource: University of Phoe https://bitly.com/12BDPWw If you are thinking of joining a fraternity or sorority, take the time to look into what each individual house has to offer. While there are similarities, many houses are different in the types of community service they do, the types of activities they prefer, and the overall attitude they portray. General Questions General General Questions Resource: University of Phoenix Material: Applying Information Security and SDLC to Business Write a paper of no more than 3,000 words in which you discuss one of the bookstores, use the SDLC method to implement a new technology into the bookstore, and detail a disaster recovery plan for the bookstore. Cite at least five references in your paper. Format your paper consistent with APA guidelines.
Tuesday, January 21, 2020
Zen Buddhism and Bart Simpson? :: Exploratory Essays Research Papers
Zen Buddhism and Bart Simpson? Professorââ¬â¢s comment: The following essay is only one of a series of mind-bending ones that Rob wrote for my class, essays that demonstrated not just a quirky sense of humor but also a razor-sharp intellect and distinctive voice. This particular essay was written in response to an assignment asking students to explain a concept. From the first line of this essay, I knew I was on to something special: how many people would choose to explain an element of Zen Buddhism using Bart Simpson? And the essay does not disappoint. Bart Simpson, Americaââ¬â¢s favorite animated smart-aleck kid, replied to the famous question ââ¬Å"What is the sound of one hand clapping?â⬠by slapping the fingers of his right hand against his right palm, creating a loose flapping noise. Ask around and youââ¬â¢ll find only a few people with this talent (I am one of the lucky ones able to accomplish this feat). But the question becomes: am I and my fellow smug-single-hand-clappers missing the point? That, my friend, is a darn good question. The sound of one hand clappingis a koan. Zen Buddhist masters use these paradoxical stories or questions to force their pupils to slough reason in favor of sudden enlightenment. Koans are designed to be nonsensical, shocking, or humorous. So are koans serious or fun? Another good question, but a strikingly Western one. Why must seriousness and fun be mutually exclusive? Why are we so serious about whether seriousness and fun are mutually exclusive? All koans. We Americans can learn a lot by studying these little buggers. Pure Reason has failed to answer questions of how, or more importantly, whywe should live. Sadly, many people also see learning (or thinking) as a dry, boring act. Perhaps our teachers need to tell us not merely what they do know, but what they donââ¬â¢t know. Zen masters were not afraid to do as much. Koans sneak up on you. Each koan is a well-wrapped chocolate Easter egg of wisdom that reveals itself in layers. The first is either pure titillation, or a slap in the face. Try to read the following without smirking: (1) Wakuan complained when he saw a picture of bearded Bodhidarma, ââ¬ËWhy hasnââ¬â¢t that fellow a beard?ââ¬â¢1 (2) A student asked Joshu, ââ¬ËIf I havenââ¬â¢t anything in my mind, what shall I do?
Monday, January 13, 2020
Difference Between CML and SML Essay
CML stands for Capital Market Line, and SML stands for Security Market Line. The CML is a line that is used to show the rates of return, which depends on risk-free rates of return and levels of risk for a specific portfolio. SML, which is also called a Characteristic Line, is a graphical representation of the marketââ¬â¢s risk and return at a given time. One of the differences between CML and SML, is how the risk factors are measured. While standard deviation is the measure of risk for CML, Beta coefficient determines the risk factors of the SML. The CML measures the risk through standard deviation, or through a total risk factor. On the other hand, the SML measures the risk through beta, which helps to find the securityââ¬â¢s risk contribution for the portfolio. While the Capital Market Line graphs define efficient portfolios, the Security Market Line graphs define both efficient and non-efficient portfolios. While calculating the returns, the expected return of the portfolio for CML is shown along the Y- axis. On the contrary, for SML, the return of the securities is shown along the Y-axis. The standard deviation of the portfolio is shown along the X-axis for CML, whereas, the Beta of security is shown along the X-axis for SML. Where the market portfolio and risk free assets are determined by the CML, all security factors are determined by the SML. Unlike the Capital Market Line, the Security Market Line shows the expected returns of individual assets. The CML determines the risk or return for efficient portfolios, and the SML demonstrates the risk or return for individual stocks. Well, the Capital Market Line is considered to be superior when measuring the risk factors. Summary: 1. The CML is a line that is used to show the rates of return, which depends on risk-free rates of return and levels of risk for a specific portfolio. SML, which is also called a Characteristic Line, is a graphical representation of the marketââ¬â¢s risk and return at a given time. 2. While standard deviation is the measure of risk in CML, Beta coefficient determines the risk factors of the SML. 3. While the Capital Market Line graphs define efficient portfolios, the Security Market Line graphs define both efficient and non-efficient portfolios. 4. The Capital Market Line is considered to be superior when measuring the risk factors. 5. Where theà market portfolio and risk free assets are determined by the CML, all security factors are determined by the SML.
Sunday, January 5, 2020
Consumers Warned of Online Payday Loan Sites
As you look at the automated ads that surround this article, keep in mind that the Consumer Federation of America (CFA) has long advised consumers to exercise extreme caution when using internet payday loan web sites, where loans due by the next payday, can cost up to $30 per $100 borrowed and borrowers typically face annual interest rates (APRs) of 650%. According to a CFA survey of one hundred Internet payday loan sites, small loans involving electronic access to consumers checking accounts pose high risks to consumers who borrow money by transmitting personal financial information via the internet. Automatically Zapping Your Bank Account Internet payday loans cost up to $30 per $100 borrowed and must be repaid or refinanced by the borrowers next payday, said Jean Ann Fox, CFAs director of consumer protection. If payday is in two weeks, a $500 loan costs $150, and $650 will be electronically withdrawn from the borrowers checking account. Many surveyed lenders automatically renew loans by electronically withdrawing the finance charge from the consumers checking account every payday. If consumers fail to have enough money on deposit to cover the finance charge or repayment, both the payday lender and the bank will impose insufficient funds fees. Where Payday Loans Lurk Online payday loans are marketed through e-mail, online search, paid ads, and referrals. Typically, a consumer fills out an online application form or faxes a completed application that requests personal information, bank account numbers, Social Security Numbers and employer information. Borrowers fax copies of a check, a recent bank statement, and signed paperwork. The loan is direct deposited into the consumers checking account and loan payment or the finance charge is electronically withdrawn on the borrowers next payday. High Cost, High Risk Internet payday loans are dangerous for cash-strapped consumers, stated Ms. Fox. They combine the high costs and collection risks of check-based payday loans with security risks of sending bank account numbers and Social Security Numbers over web links to unknown lenders. CFAs survey of 100 Internet payday loan sites showed that loans from $200 to $2,500 were available, with $500 the most frequently offered. Finance charges ranged from $10 per $100 up to $30 per $100 borrowed. The most frequent rate was $25 per $100, or 650% annual interest rate (APR) if the loan is repaid in two weeks. Typically loans are due on the borrowers next payday which can be a shorter term. Only 38 sites disclosed the annual interest rates for loans prior to customers completing the application process, while 57 sites quoted the finance charge. The most frequently posted APR was 652%, followed by 780%. Although loans are due on the borrowers next payday, many surveyed sites automatically renew the loan, withdrawing the finance charge from the borrowers bank account and extending the loan for another pay cycle. Sixty-five of the surveyed sites permit loan renewals with no reduction in principal. At some lenders, consumers have to take additional steps to actually repay the loan. After several renewals, some lenders require borrowers to reduce the loan principal with each renewal. Contracts from Internet payday lenders include a range of one-sided terms, such as mandatory arbitration clauses, agreements not to participate in class action lawsuits, and agreements not to file for bankruptcy. Some lenders require applicants to agree to keep their bank accounts open until loans are repaid. Others ask for voluntary wage assignments even in states where wage assignments are not legal. CFA advises consumers not to borrow money based on giving a post-dated paper check or electronic access to a bank account as security. Payday loans are too expensive and too hard to repay on the next payday. CFA advises consumers never to transmit bank account numbers, Social Security numbers or other personal financial information via the Internet or by fax to unknown companies. Consumers should shop for lower cost credit, comparing both the dollar finance charge and the APR to get the lowest cost credit available. For help with financial problems, CFA urges consumers to seek credit counseling help or legal assistance.
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