Jeunesse Reserve™ - Flying Crew must read

I have been flying glamorously for several years. Everybody is still amazed at this job "sky-high" job with free staycation of at least 3 stars hotels (depending on airlines) and travel for free to amazing nature Australia, always-seemed-so-faraway United States and sitting in an European cafe sipping hot cappuccino with snowy view and never-ending stations available.

However when there is an advantage, it will comes with a disadvantage. Nothing is free anyway. Although we work only a few hours and rest for a few days & earn more than an average office job, we have to sacrifice our YOUTH and HEALTH. Being up in the air constantly, makes us exposed to undesirable environment. Breathing in recycled air (means oxygen level are lower and how about having sick people on board?), nearer to the exposed sun (Poor pilots, you know what I mean), eat & sleep at the weirdest hours (If you are a medical personnel, you should know our organs need to rest at specific timing). 

So what happened after our health deteriorate? We will fall sick eventually and the odd resting patterns do not help much & only contribute to a more fatigue body (My heart and prayers to those with cancers and heart-attack). Well, for me, I always fall sick when flying to the other half of the earth (Sometime I suspect the air or food is the culprit). After every duty, my body does not belong to me anymore where the ache can be overwhelming and my last encounter was crumbed legs while I was lying on my bed and sleeping 12 hours is not exaggerating at all. I'm just too disheartened at the time and quitting is always in my mind with the question "WHEN?". Do not take it wrongly. I love my job. I still loved to work with my colleagues and served strangers. However, with my age catching up and my plan of having children makes me wonder (fertility can be an issue for older flying crew). 

So what did my fellow colleagues and office colleagues recommend? Eat healthy and exercise!!! Yes, it is true but my health is dying. My last exercise session requires 3 days to recover. Damn it, I sounded so old but I'm not, my body is OLD!

I am glad that I came across Jeunesse Reserve™.

"We can never bring my money in our graves but we can use money to enrich other lives" ~ Crystalxue 31-Dec-2015

What is Jeunesse Reserve™???

It is an antioxidants that resist oxidative stress and premature ageing, containing Resveratrol (Who say red wine is good? This is the reason.) 

Why we need to have antioxidant?

Refer to article https://doctordoni.com/2014/10/5-signs-of-oxidative-stress.html.

Doctor of Naturopathic Medicine, natural health expert, nutritionist and midwife (Dr Doni) refers in the article that oxidative stress is due to the oxygen we breathe in and the process to convert it to energy will generate FREE RADICALS. However, unforeseen environment will cause MORE free radicals that damages our cells and stressed your body.

7 signs of oxidative stress

- Fatigue (Needless to say more, our job is highly fatigue based)

- Memory loss and/or brain fog (Tell me 1 second before and next second I will forget, who don't have this experience)

- Muscle and/or joint pain (Ouch ouch ouch)

- Wrinkles and grey hair (Thanks to makeup and hairdye)

- Decreased eye sight (Please write BIGGER and neater)

- Headaches and sensitivity to noise (With the massive amount of work, who doesn't have headaches)

- Susceptibility to infections (Please no more SARs-related viruses)

Dr Doni has few recommendations but I can follow NONE. How about you?

Why Jeunesse Reserve™?

I find it very convenient to carry anywhere and all natural, without making sure that i have ate enough berries or not and no more red wine drinking~~

What it can do

- Antioxidants to resist oxidative stress & premature aging 高效抗氧化效果

- Anthocyanins to support healthy cardiovascular function 增強心血管功能

- Essential fatty acids to assist in digestive tract function 提升消化道功能

- Healthy immune system support 增強免疫系統功能

- Helps to maintain a healthy metabolism 提升新陳代謝功能

- Supports healthy energy 強化身體生理機能

- Supports healthy inflammation & joint function 抗發炎提昇骨骼功能

- Positive cap-e test results indicate that RESERVE™ penetrates & protects live cells from oxidative damage 有效防止細胞氧化(CAP-E測試結果證實)

Many diseases with an effective solution with the use of Reserve ™ supplement:

High blood

Diabetes

Gout

Tonsillitis 

Fever and flu

Indigestion

Heart disease

Cancer

Sinusitis

Allergies

Hemorrhoids

Migraine

Asthma

Kidney disease

Liver disease

Lung disease

Smoothen blood flow

Stroke

Lose weight

Parkinson disease

Balance your hormone

Heal skin problem

How Reserve Resveratrol Antioxidant Gel Works | Jeunesse Global

Anti-cancer and anti-ageing (Antioxidant) Jeunesse Reserve (沛泉菁華) in mandarin Taiwanese show "女人我最大"

徐敏医生-沛泉菁华(白藜芦醇)介绍

Basically I'm having Reserve to regain my health and continue my flying career and not to forget being a parent in the future~~ 2015 is leaving, regrets and sorrows to those who didn't make it to the new year. However, those who are enjoying the upcoming 2016, be in good health and experience life to the fullest.

Do join us at Reserve Room on 19Jan2016 at Singapore office from 7.30PM-9PM for more information.

Singapore site: http://bit.ly/1S1iwDj

Instantly Ageless™

Trial Sachet quantity 1 sachet $5.00 SGD 2 sachets $10.00 SGD 5 sachets $20.00 SGD 10 sachets $30.00 SGD 20 sachets $50.00 SGD 30 sachets $65.00 SGD 40 sachets $80.00 SGD 50 sachets = 1 box $100.00 SGD

Live Demo

Using INSTANTLY AGELESS with light makeup by Yeap MakeupArtist

JEUNESSE - Instantly Ageless™ (Sachets) Powerful anti-wrinkle microcream serum to diminish the visible signs of aging

Instantly Ageless™ is a powerful anti-wrinkle microcream that works quickly and effectively to diminish the visible signs of aging.

SIZE: 50 – 0.3 mL sachets (15 mL total) RETAIL: 98.87

A perfect day starts with perfect skin. Meticulously developed, our formula is lightweight and contains a skin-conditioning complex of minerals that smooths skin. Instantly Ageless™ immediately dissolves into the skin, reducing the appearance of wrinkles. It’s specifically designed to target areas that have lost elasticity—revealing visibly toned, lifted skin. Users have seen dramatic results in seconds.

A compact, yet powerful alternative to fortify skin affected by free radicals and environmental damage, Instantly Ageless™ is at the forefront of anti-ageing technology. 

BENEFITS

-Visibly diminishes the appearance of fine lines and wrinkles

-Erases the appearance of dark circles and puffiness under the eyes

-Minimises the appearance of pores

-Helps to even skin texture

-Mattes skin for a flawless finish

-Restores skin to optimum appearance

----

"We can't defy aging but we can prevent it" ~ Crystalxue 30-Nov-2015

Yes I have started my path into promoting heath enhancing and Anti-Aging products. It is logical that this plan will work because when your health is deteriorating, your appearance will not be at its utimost. Your body will show signs early to warn you but how many of us really take actions of it. Even if we did take actions, how many of us really improved?

When I reaches the age of 30, my face started to look dull and my body is gaining weight or not losing weight even with exercise. On top of that, I cannot get enough rest and I can sleep till 11 and yet have a nap in the noon because I still feel tired. I feel 40 because of how my body reacts to fatigue. 

So I understand my own body is complaining to me that something is not right. I choose to go for facial and even sign up laser treatment packages but to no avail. In order for my body to regain energy, I popped vitamins and choose to eat better (No more junk food) but I only get more tired everyday after work.

Lucky for me that I discovered Jeunesse products that regained my energy and I must say that it works for me instantly and I can stay up late at night and yet wake up early the next day fresh out of the oven. 

This post will only illustrate the instant results of jeunesse instantly ageless. However the con is that it is not permanent that last up to 8 hours but with frequent application, it may reduce wrinkles and eyebag (However this product only heal external damage, I will touch on internal damage in the future). Good things doesn't come perfect. It works like botox and yet without the need of pain (excellent for fear of needles), high cost (the time spent on you by the plastic surgeon is only five minutes but cost will be few hundreds) and the convenience (self application anytime and anywhere without appointment or travelling time to the clinic)

Finally, do note that you should always buy from direct distributor (like me) who has account in Jeunesse and in addition the willingness to look after your health and beauty & not just look after at their own commission.

Cheers, and stay pretty and healthy.

USA site: https://crystalsue.jeunesseglobal.com/en-US/instantly-ageless/

Singapore site: http://bit.ly/1QeMyDV

Trial Sachet quantity 1 sachet $5.00 SGD 2 sachets $10.00 SGD 5 sachets $20.00 SGD 10 sachets $30.00 SGD 20 sachets $50.00 SGD 30 sachets $65.00 SGD 40 sachets $80.00 SGD 50 sachets = 1 box $100.00 SGD

Just too happy not to blog

Photos taken few months back on our birthday where I get to enjoy to longest birthday ever as I get to leave on my birthday morning and reach USA in the evening.

Just too delighted that my life has been the most wonderful with new house coming, Increasing my investment portfolio to $50,000 and building up my company.

And yet I see some people still going around cheating others' trust. As a finance student, not only i learn academic intelligence, i learnt about emotional insight. If you intend to spare your money, be sure that you can get something back out of it. Whether it is food, products, services, it can be a lesson learnt with all monetary gone.

In business module, integrity is one of the theory part and I was wondering why are they teaching such simple and by-default theory? Now I understand that some people are not educated or taught about it at all. Just reminded me of the gold-buyback scheme and that kidnapper's phone call to my grandparents. Yaya, it's stupid and obvious but hey let's face it. Humans are emotional beings that tends to trust others too much. It is even worst when it involves someone who you thought you will whole-heartedly trust them.

Finally, I thanked other students who gets to score from my quiz QNA provided during the times I did mine. Note that it is not providing an easy way to get answers but it is a form of sharing where I DON'T HAVE all correct answers and sorry that I don't share GBA or notes or whatsoever. As this is not a free portal and I'm not a teacher. (PS. Unless you are my classmates and we share and learn together as a form of consideration)

한국

안녕하세요. My first meal in korea: 자장면 + 탕수육. 잘 먹었습니다! 

더한식 먹고 싶어요!!! 뭐 한국에 먹고 싶어요?

MKT202 QUIZ3

Q: Inception, a recent Hollywood blockbuster, had created a lot of interest among the viewers even before its release due to the credentials of its makers. The movie was discussed in social network pages and discussion forums. The discussions increased after its release and it helped the movie do good business. Which of the following most closely describes the type of marketing discussed in this example?
A: word of mouth marketing

Q: Which of the following is a risk that firms must consider prior to expanding abroad?
A: The foreign country's business culture may be too different from the domestic country.

Q: Which of the following is a sales promotion tool that is consumer franchise building in nature?
A: frequency awards

Q: What is a global firm?
A: A firm that operates in more than one country and captures R&D, production, logistical, marketing, and financial advantages not available to purely domestic competitors.

Q: ________ is another form of word of mouth that encourages consumers to pass along company-developed products and services or audio, video, or written information to others online.
A: Viral marketing

Q: Hotel chains such as Hyatt sell a variation of the licensing agreement called ________ to the owners of foreign hotels to manage these businesses for a fee.
A: management contracts

Q: Once a firm decides to enter the international market, what is the next step in the decision-making process?
A: deciding which markets to enter

Q: You are visiting FIFA's website to know the schedule of the football World cup. On the top of the Web page showing the schedule, a small picture displays the official mascot and the text "Buy tickets for the World Cup now". This static exhibit provides the link to the official ticket booking website. Identify the type of advertisement used here.
A: banner ad

Q: The original and oldest form of direct marketing are ________.
A: field sales calls

Q: While choosing countries to invest in, companies sometimes choose psychic proximity to their own country. Psychic proximity can best be defined as ________.
A: countries in which the company feels comfortable with the language, laws, and culture

Q: Companies typically start their international foray with ________, which involves working through independent intermediaries who sell their products abroad.
A: indirect exporting

Q: Which of the following benefits is offered by sales promotion tools?
A: Sales promotion tools incorporate some concession, inducement, or contribution that gives value to the consumer.

Q: ________ aims to create liking, preference, conviction, and purchase of a product or service.
A: Persuasive advertising

Q: Which of the following sequences accurately represents the hierarchy-of-effects model of marketing communications?
A: awareness-knowledge-liking-preference-conviction-purchase

Q: Which of the following is an advantage of using newspapers as an advertising medium?
A: good local market coverage

Q: Which of the following marketing communications tools is most effective at the later stages of the buying process?
A: personal selling

Q: Whirlpool took a 53% stake in the Dutch electronics group Phillips' home appliances business to leapfrog into the European market. This is an example of a ________.
A: joint venture

Q: Which of the following is generally acknowledged as the most powerful advertising medium and reaches a broad spectrum of consumers at low cost per exposure?
A: television

Q: Which of the following is an example of contextual ad placement?
A: advertisements that appear when a consumer types in the term "baby" in Google

Q: Which of the following is the marketing communications objective for a new-to-the-world product, such as electric cars?
A: establishing category need

MKT202 QUIZ2

Q: Many consumers are willing to pay $100 for a perfume that contains $10 worth of scent because the perfume is from a well-known brand. Compare and select what kind of a pricing is the company depending on?
A: image pricing

Q: Hewlett-Packard is a highly respected brand. Many retailers want to be associated with the brand because of this reputation. What kind of power does Hewlett-Packard obtain due to this reputation?
A: referent

Q: A company positioned in the "middle" market introduces a lower-priced product line. What type of line-stretching is this?
A: down-market stretch

Q: The three criteria that determine whether a brand association can truly function as a point-of-difference are ________.
A: desirability, deliverability, differentiability

Q: A ________ is anything that can be offered to a market to satisfy a want or need, including physical goods, services, experiences, events, persons, places, properties, organisations, information, and ideas.
A: product

Q: Singapore Airlines is well regarded in large part because of the excellence of its flight attendants. This is an example of ________ differentiation.
A: employee

Q: Which of the following types of differentiation refers to companies effectively designing their distribution medium's coverage, expertise, and performance to make buying the product easier and more enjoyable and rewarding?
A: channel differentiation

Q: Which of the following channels is associated with the lowest cost per transaction?
A: Internet

Q: ________ call(s) for the producer to establish a schedule of discounts and allowances that intermediaries see as equitable and sufficient.
A: Price policy

Q: Marketers must see themselves as benefit providers. For example, when a shopper purchases new shoes, he/she expects the shoes to cover his/her feet and allow him/her to walk unobstructed. This is an example of what level in the consumer-value hierarchy?
A: basic product

Q: ________ is a distribution strategy that can be effectively used during the growth stage of the product life cycle.
A: Building intensive distribution

Q: ________ pricing takes into account a host of inputs, such as the buyer's image of the product performance, the channel deliverables, the warranty quality, customer support, and attributes such as the supplier's reputation, trustworthiness, and esteem.
A: Perceived-value

Q: When hotels drop their rates on the weekends, then this form of price discrimination is known as ________.
A: time pricing

Q: Service quality depends on who provides them, when and where, and to whom. Thus, services are highly ________.
A: variable

Q: A dance school in Orchard Road teaches professional hip-hop and salsa) It is experiencing an increase in student admissions, which is leading to substantial improvement in profits. The school is going through the ________ phase of its life cycle.
A: growth

Q: A ________ is the set of all products and items a particular seller offers for sale.
A: product mix

Q: ________ are offered by a manufacturer to trade-channel members if they will perform certain functions, such as selling, storing, and record keeping.
A: Functional discounts

Q: BMW, Lexus, and Mercedes have been able to position themselves within their categories by combining quality, luxury, and premium prices with an intensely loyal customer base. These companies are employing a ________ strategy.
A: product-quality leadership

Q: One of the ways to change the course of a brand is to modify the product. Under product modification, ________ adds size, weight, materials, supplements, and accessories that expand the product's performance, versatility, safety, or convenience.
A: feature improvement

Q: Despite its weaknesses, markup pricing remains popular for which of the following reasons?
A: Many people feel that cost-plus pricing is fairer to both buyers and sellers.

RESULTS: 100/100 PERFECT!

MKT202 QUIZ1

Q: A customer _____ is any occasion on which a customer encounters the brand and product-from actual experience to
personal or mass communications to casual observation
A: touch point

Q: An unintended effect of business legislation is ____
A: slowing economic growth

Q: A social definition of marketing says ____
A: marketing is the process by which individuals and groups obtain what they need and want through creating, off ering,
and freely exchanging products and services of value with others

Q: Linda was buying all her groceries from Cold Storage supermarket for the past 5 years. She recently came across Jason's Convenience Store, another supermarket just a few kilometres away from her home and started buying her groceries from them. Linda can be best described as
A: a shifting loyal

Q: The marketing manager needs to know the cost of the research project before approving it. During which stage of the
marketing research process would such a consideration most likely take place?
A: Step 2-developing the research plan

Q: _____ recognises the need to integrate environmental issues into the firm's strategic plans.
A: Corporate environmentalism

Q: Regardless of the type of segmentation scheme used, the key is adjusting the marketing programme to recognise _____
A: customer differences

Q: Brand personality analysts identified the popular music channel MTV as daring, spinted, and highly imaginative. As per
Jennifer Aaker's research, which of the following brand personality traits best suits MTV
A: excitement

Q: The ultimate outcome of relationship marketing is a unique company asset called the—— , consisting of the company
and its supporting stakeholders
A: marketing network

Q: _____ is the study of how individuals, groups, and organisations select. Buy, use, and dispose of goods, services, idea
or experiences to satisfy their needs and wants.
A: Consumer behaviour

Q: Cell phone manufacturer LZT has to choose between two options for sourcing parts: Japan-based Keiko Inc. And U.S.-
based Global Tech. How can Keiko reduce the total customer cost for LZT?
A: absorbing some risk by offering a warranty

Q: _____ can be summarized as the development, design. And implementation of marketing programmes, processes, and
activities that recognises the breadth and interdependencies of their effects.
A: Holistic marketing

Q: Examine the following and select which would be the best illustration of a subculture
A: a religion

Q: Because of its flexibility, —— are the most common technique of collecting primary data
A: questionnaires

Q: At the top of Maslow's hierarchy of needs (shown as a pyramid in the text) are ________ needs. 
A: self-actualization 

Q: If a marketing manager segments the market into culture-oriented, sports-oriented, or outdoor-oriented groups, he or she is segmenting on the basis of _____

A: psychographic lifestyle 

Q: Primary data can be collected in several ways. Installing CCTV cameras in a retail store whereby consumers' actions can be recorded is an example of _____

A: observational research 

Q: ____ can be explained as a deeply held commitment to 

rebuy or repatronise a preferred product or service in the future despite situational influences and marketing efforts having the potential to cause switching behaviour. 

A: Loyalty 

Q: Marriage, childbirth, and divorce constitute the _____ that shape the consumption pattern of individuals. 

A: critical life events

Q: Which of the following can a company do to reduce defection? 

A: Distinguish the causes of customer attrition and identify those that can be managed better. 

RESULTS: 100/100

FIN307 QUIZ3

Q: All of the following are methods used by insurance companies to reduce objective risk except:
A: safety education programs.

Q: A person who saves money for the future by buying a whole life policy
A: is able to accumulate tax-free interest earnings on cash values.

Q: Insurance companies have to deal with the concept of adverse selection, which is
A: high-risk persons are more likely to purchase insurance.

Q: Life insurance companies tend to be larger than casualty insurance companies because of
A: the long-term, accumulative nature of whole life policies.

Q: A person who saves money for the future by buying a whole life policy
A: is able to accumulate tax-free interest earnings on cash values.

Q: The post WWII international monetary agreement that was developed in 1944 is known as the
A: Bretton Woods Agreement

Q: A Singapore bank loan to a Vietnamese manufacturer payable in dong (the Vietnamese currency) accepts which risks?
A: all of the listed choices

Q: International participation loans is a method of reducing the ............. risk of an international lender.
A: credit

Q: Which of the following does not cause country risk to increase?
A: elimination of currency controls.

Q: Which one of the following combinations of pension terms offers the greatest protection for the future retiree?
A: insured, fully funded, vested

Q: In its absolute version, purchasing power parity states that price levels worldwide should be ................ when expressed in a common currency.
A: equal

Q: If the cost of yen per dollar changes from 100 to 110 yen per dollar,
A: The dollar has appreciated against the yen.

Q: Purchasing insurance may alter the behavior of the insured and is known as
A: moral hazard and adverse selection.

Q: Which one of the following economic conditions is best suited for the sale of whole life contracts?
A: low inflation (3%) with stable economic growth (4%)

Q: A noninsured pension plan will
A: be managed by an appointed trustee to invest funds contributed for the benefit of future pensioners.

Q: A bank's international loan diversification is enhanced if the historic realised rates of return on loans from loan applicant, Country A, have
A: a negative correlation with the loan returns on the bank's international loan portfolio.

Q: The largest amount of pension assets are associated with
A: trusteed, private pension funds.

Q: All of the following are techniques reducing credit risk in international lending except
A: making floating-rate loans as opposed to fixed-rate loans.

Q: Under the classic gold standard, if prices began rising in the U.S.
A: gold would flow out of the U.S. and the U.S. money supply would drop

Q: Differentiate between public and private pension funds. Private pension plans are
A: pensions provided by and to non-governmental, private sector businesses, organisations, and their workers.

RESULTS: 95/100

BUS206 Quiz3

Q: The following are all examples of performance based philosophy in compensation except:
A: Cost of living expenses only

Q: The advantages of recruiting from external sources are expressed by all of?the following, except:
A: There may not be a good fit

Q: Job and technical training may include all the following, except:
A: Performance management

Q: Which of the following is not one of the challenges facing HRM:
I. The outsourcing of non-core activities to external suppliers
II. Racial and ethnic diversity in the workforce
III. The need to provide more family friendly facilities near work places
IV. HR playing the role of an employee advocate in organizations
A: All the listed choices

Q: In a hotel, training to excel in service delivery is an example of:
A: Technical training

Q: Managing diversity and the regulations on the hiring of foreign workers is part of which HRM activities?
A: Legal framework and practices

Q: As you explain concepts of training and developement, you would say that an effective measure of development in organizations is that:
A: There is a strong possibility of promotion from within the organization

Q: The following are all HR selection responsibilities except:
A: Make a final selection decision

Q: The quality of applicants recruited can be evaluated by all of the following measures except:
A: The cost of testing and background checks

Q: The "Big Five" personality framework of agreeableness includes all of the following traits except:
A: Sociable - SEE PAGE 301 FIGURE 8-7

Q: One limitation of using the Internet for recruiting is:
A: some applicants are concerned with privacy issues

Q: When managing employee relations which of the following is false?
A: Employees' statutory rights are based on a specific contract with an employer

Q: Preparing a defense against wrongful dismissal charges brought by employees include all the following except:
A: Informing top management - SEE PAGE 346 FIGURE 16-2

Q: The following statements are all true about the development of employees except:
I. It builds employee capabilities and competencies
II. It covers areas such as leadership and decision making
III. Employees are prepared for bigger challenges
IV. Employees are able to apply specific techniques and processes in their jobs
V. It enables employees to see the big picture in organizations
A: IV only

Q: Which of the following are the strategic recruiting decisions in an organization:
I. Recruiting presence and image
II. Recruiter training
III. Flexible vs. regular staffing
IV. Fair employment considerations
V. Recruiting source choices
A: All the listed choices

Q: A case study interview is an example of a:
A: Structured interview

Q: The following are all part of the performance and talent management component of total rewards except:
A: Educational assistance - SEE PAGE 330 FIGURE 12-1

Q: Creating an intolerable working condition for employees in order to get them to resign is known as:
A: Constructive discharge

Q: Testing the selection criteria to predict future performance of new candidates is known as:
A: Predictive validity

Q: Which of the following is not a characteristic of a performance compensation philosophy?
A: Compensation based only on industry comparisons

RESULTS: 90/100

FIN307 QUIZ2

Q: Mutual fund companies provide all but one of the following to their customers:

A: insurance

Q: Which of the following is least affected by an individual customer's profile?

A:nonprice adjustments

Q: Full-serviced brokerage service includes

A: execution of trades, investment advice, and margin credit

Q: Real estate investment trust are ..... investment companies that tend to prosper

A:  closed-end; interest rates are low

Q: Hedge funds are typically organised as

A: corporations

Q: Innovation around regulation followed by new regulation to offset the innovation is
A: regulatory dialectic

Q: The rapid growth of real estate investment trusts seems to be associated with
A: all of the listed choices

Q: Which of the following mutual fund types is likely to have the highest risk exposure?
A: aggressive growth funds

Q: Bank failures are considered to be more important to the economy because
A: failure of a single bank induces fear about the solvency of other banks

Q: Appraise the operations of commercial banks. Small banks tend to have a greater proportion of operating income from ....., and a greater proportion of .... expense.
A: provision for loan losses; securities

Q: The price of a mutual fund share is
A: the net asset value or the value of assets divided by shares issued

Q: One of the main distinctions between Banks and other corporations is that
A: Banks have high proportion of fixed asset

Q: Mutual funds that do not charge a front-end load can still impose a ..... that must be paid by investors who redeem their shares.
A: all of the listed choices

Q: One may find the shares of the following traded on the national exchanges?
A: closed-end investment company

Q: In an underwritten offer, the risk is borne by
A: an investment banker

Q: Which of the following is true about private placement?
A: All of the listed choices are true

Q: Risk-based capital ratios measures are associated with which of the following bank risks?
A: credit risk

Q: Which of the following is not the difference between hedge funds and mutual funds?
A: Unlike mutual funds, hedge funds are managed by professional fund managers

Q: A speculating bank,which is estimating increases in interest rates, would position itself with a ..... maturity GAP.
A: positive

Q: All but one of the following is more associated with the level of a bank's base lending rate:
A: the federal reserve discount rate

RESULTS: 75/100

BUS206 QUIZ2

Q: In the stages of team development, the norming stage comes:
A: Before performing and after the storming stages

Q: Which of the following is an example of the extinction reinforcement tool?
A : not assigning major projects to an employee who had frequently missed deadlines

Q: Teams become dysfunctional when there is:
A: A presence of disagreement and challenges

Q: The competing style of conflict management requires:
A: a high level of assertiveness and low level of cooperativeness

Q: In Maslow's hierarchy of needs, the belongingness needs fulfil one of the following:
A: strong relationships with family, friends, community groups

Q: Organisational structures influence how, and at what level, decisions are made in organizations. Which of the following statements is true?
A: Small and medium size organizations are likely to adopt centralized decision making

Q: A horizontal team structure is a type of:
A: Functional teams

Q: Line authority is all the following except:
A: Staff specialists providing advice and recommendations

Q: Factors determining the span of control in organizations include all of the following except:
A: The organization culture

Q: Which of the following is not a feature of cross-funtional teams?
A: Organization as a central hub surrounded by network of specialists

Q: To effectively control an organization, managers:
A: All of the listed choices

Q: Which of the following statements best describes continuous improvement as a TQM technique?
A: There is no end to the process

Q: Which of the following is not one of the common methods for reducing a perceived inequity?
I. Do nothing
II. Reduce the amount of effort
III. Request for a higher salary or promotion
IV. Leave the company
V. Distort others' rewards
A: III only

Q: An organization structure is all of the following except:
A: Organizational culture established and maintained by the CEO

Q: The scalar principle refers to:
A: Drawing a clearly defined line of authority in the organization that includes all employees

Q: Bottom up budgeting is an example of:
A: Decentralized control

Q: A team has all of the following attributes except:
A: Shares or rotates leadership roles

Q: Accountability is where:
A: Authority and responsibilities go hand in hand

Q: All of the following statements on open book management are true except:
A: It is based on methods defining explicit policies, procedures and rules

Q: In the feedback control model which of the following is applicable:
I. Leadership traits
II. The organization structure
III. The organizational culture
A: None of the listed choices

RESULTS : 80/100

BUS206 QUIZ 1

Q: When presenting the various characteristics of management by objectives (MBO), you would say that all the following activities are needed for it to be successful except:
A: A company-wide common performance bonus for employees

Q: Which of the following is true in Fiedler's Contingency Theory?
A: Task oriented leaders are more effective when the situation is highly favorable or highly unfavorable

Q: Which of the following is not one of the four management functions?
I. Identifying goals for future organizational performance
II. Allocating resources
III. Monitoring employees activities
IV. Applying specialized technical knowledge to solve specific problems
A: IV only

Q: The following are characteristics of operational goals:
I. specific results expected from individuals in organizations
II. a blueprint defining organizational activities and the allocation of resources
III. apply mainly to high-level managers
IV. efficiency in achieving the goals
V. tend to be of a long term nature
A: I and IV only

Q: Which of the following is not considered a conceptual skill?
I. Proficiency in accounting and financial standards
II. The ability to see the organization as a whole
III. Strategic thinking to meet future organizational goals
IV. The ability to take a broad view, considering different perspectives
V. Having an understanding of both the organization and its environment
A: I only

Q: Which of the following statements does not apply to the contingency model of leadership?
A: When followers are unable, but willing to follow

Q: Planning incorporates the following:
A: a clear future desired state for the organization and the means of achieving it

Q: The following are all traits of leaders except:
A: Abilities supported by learned knowledge and skills

Q: To which of the following statments would you relate the initiating structure model of leadership behavior?
A: Behavior of job-centered leaders

Q: The following are benefits of planning except:
I. Acts as a standard for performance and measurement
II. Provides legitimacy for an organization
III. Guides resources allocation
IV. Providing a standard response to challenges from a turbulent environment
V. As a guide for action
A: II only

Q: Transactional leadership can be effective in which one of the following organizational settings?
A: When there are clear goals, plans, budgets and schedules

Q: Which of the following is a leadership quality in organizations?
A: Maintains stability

Q: All of the following apply to intuition in decision making except:
A: There is a coalition of informal alliance among managers in an organization

Q: Companies focusing on both organizational culture and business performance are those with a high performance culture which:
A:
Encourages employee ownership of values and focuses on the company's bottom line results

Q: Which of the following is not true when discussing authentic leadership?
A: They are job-centered leaders

Q: The following are all characteristics of the administrative model of decision making except:
A: Goals which are not clearly defined

Q: When a manager initiates a worldwide recall of defective motor cars manufactured by his company, his decision is considered to be:
A: A non-programmed decision

Q: Which of the following statements about management and leadership is true?
A: They represent two different sets of qualities and skills that frequently overlap within a single individual

Q: Which of the following approaches is relevant to the study of leadership? 
I. Leadership traits
II. The behavior of leaders
III. The situational model of leadership
A: All of the listed choices

Q: In playing the role of a disturbance handler, a manager:
A: adapts to the turbulent environment and takes corrective actions to resolve conflicts

RESULTS: 80/100

Introduction to Yoga Session

Did a simple 1 hour of yoga session. Sweat to the maximum and wet my mat but worth it!

FIN307: 1ST QUIZ 1ST ATTEMPT

Q: One of the major factors leading to increased emphasis of CFA code of ethics is:
A: Address the issues leading to a loss of confidence in finance sector professionals and practices

Q: An efficient financial system
A: promotes economic growth and social progress

Q: The CFA code of ethics requires members and candidates to keep client information confidential. However the principle of confidentiality does not apply when it:
A: concerns illegal activity

Q: The most significant cause of bank failure today is:
A: fraud, embezzlement, and poor management practices

Q: Members of CFA Institute (including CFA charterholders) and candidates for the CFA designation ("Members and Candidates") are to do the following except:
A: Promote policies facilitating development of capital markets.

Q: Banker's acceptances are not
A: foreign deposits accepted overseas by branches of American banks

Q: Innovation around regulation followed by new regulation to offset the innovation is
A: the regulatory dialectic.

Q: Since the crisis of 2008, which of the following factors has further heightened the need for strict adherence to standards of professional conduct?
A: All of the listed choices

Q: Which of the following is least affected by an individual customer's profile?
A: nonprice adjustments

Q: Private or state deposit insurance funds have not successfully prevented panic because
A: they did not have a "deep pocket" with unlimited borrowing power like Congress behind them.

Q: In a standby letter of credit,
A: the bank substitutes its creditworthiness for that of its customer.

Q: Financial markets provide financial institutions:
A: all of the listed choices.

Q: Insurance or a guarantee to cover losses may create a moral hazard
A: which is an incentive to increase risk-taking by the insured.

Q: All but one of the following is associated with bank loan securitization activity?
A: the value of the securities sold to investors exceeds that of the securitized loans.

Q: A form of secured borrowing by banks is
A: repurchase agreement

Q: In general, which of the following bank investments has the least liquidity?
A: municipal bonds

Q: Deposit insurance with constant proportional premiums has
A: created a moral hazard associated with increased risk assumption.

Q: The moral hazard problem of federal deposit insurance is most associated with:
A: the incentives of managers.

Q: A commercial bank provides liquidity when it
A: All of the listed choices.

Q: In loan brokerage, the bank's spread is
A: the difference between the rate earned by the bank and the rate paid by the bank

RESULTS: 90/100