Time Value of Money and Risk and Return



For this journal, you will follow the objectives and securities of the several companies that you will be analyzing for your final Investments Analysis Report. You will need to consider the time value of money and risk/return trade-off for all asset classes in the portfolio. You will also calculate rates of return for each security and the portfolio and compare the performance using the S&P 500 as a benchmark.

Locate the financial statement (10 – K Annual Reporting 2020) information for each company (listed below) that you will be investigating for your final project. This information can be found on each company’s website within the “About U s” section or at the bottom of the homepage under “Investors.”

Research stock and corporate bond holdings for the following companies:

Apple, Inc. (AAPL)

Caterpillar (CAT)

Consolidated Edison (ED)

Northern Trust (NTRS)

Macy’s (M)

Calculate the rates of return for each of the securities listed.

Once you have calculated the rates of return for these securities, briefly explain the risk/return relationship for each security.




Sample Solution




Against Plastic Surgery

contentions against plastic medical procedure: essayIt is certifiably not a mystery that the norms of magnificence these days are fairly severe and requesting. Regardless of what soldiers against separation state, appearances that coordinate the current magnificence models stay one of the pivotal attributes of a cutting edge person. Individuals who are discontent with their appearances have changed methods for improving the manner in which they look, for example, cosmetics, garments, or being in congruity with themselves. Be that as it may, there is a progressively extreme other option, which is powerful as far as changing the manner in which an individual resembles, however is exceptionally discussed and ought to be kept away from in most of cases: plastic medical procedure.

The principal explanation behind not getting plastic medical procedure is that this system can turn out to be profoundly addictive (Huffington Post). Albeit an individual may figure they would do a solitary improvement, the compulsion to continue “changing” one’s appearance can get overpowering and lead to unusual and frequently tragic outcomes. The best instances of this are ladies like Cindy Jackson (who got 55 plastic medical procedures, which is a world record), or Jocelyn Wildenstein, who is reputed to have spent around 4 million dollars on plastic medical procedures. The “prior and then afterward” photographs of her can be discovered online effectively, so you can make your decisions taking a gander at the aftereffects of the various plastic medical procedures she has experienced. Janice Dickinson, Michael Jackson, Courtney Love, and different acclaimed characters who had experienced plastic medical procedures can likewise be genuine instances of why this sort of medical procedure ought to be refrained from.

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Plastic medical procedure doesn’t take care of the fundamental issue of the individual who chooses to experience it, which is being discontent with their appearance. Such an individual ought to rather concentrate on taking care of their inward issues, and should give more consideration to what is happening inside themselves as opposed to on the outside of their bodies (MindBodyGreen). On account of a maturing individual, it may be the dread of death or the inclination that they don’t have an energetic appearance any longer that makes them change their appearance. In the event that an individual is fat, they ought to consider changing their eating regimen and way of life as opposed to doing a liposuction. There is additionally a genuine mental issue called dysmorphophobia—the significant indication is as a rule seriously unsatisfied with one’s appearance, body parts, or body all in all. At any rate, visiting an analyst or a psychotherapist could be more valuable and fulfilling than having your face overhauled.

Remember that plastic medical procedure is something that remaining parts with you perpetually (dbreath.com). You can’t come back to your common look on the off chance that you feel discontent with the medical procedure. You should do another medical procedure to seem to be like your unique self, or attempt to enhance your past plastic medical procedure. Also, in the event that you attempt to stay aware of design patterns, you will lose the race, since patterns change, and your appearance remains. What is common is quite often superior to the counterfeit, and somewhere inside you will realize that the manner in which you used to look before the medical procedure was better. Be that as it may, it is important to recognize restorative and reconstructive medical procedure. If there should arise an occurrence of mishaps, when an individual’s appearance is demolished, reconstructive medical procedure is without a doubt vital and accommodating.

Plastic medical procedure in its restorative viewpoint ought to be refrained from. Changing and improving one’s appearance can get addictive, so an individual may feel a steady want to experience medical procedures; likewise, this longing is typically brought about by issues with prosperity, which a therapist could assist with superior to a specialist. You can’t fix plastic medical procedure, so once you experience it, you should live with it until the end of time. Act naturally, and see the magnificence you hold normally.


Shah, Yagana. “4 Good Reasons to Never Get Plastic Surgery