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CEMEX is a major gobal particapant in the cement business. The company relied heavily on sophisticated hedging strategies to finance its international expansion. Its strategic risk management was based on international diversification and worked well for many years. The global financial crisis of 2007-8 caught the company in a dangerously leveraged position. From its high point, the company's market capitalization declined 94%.

Many studies show that high school students are receiving poor education as regards financial literacy (e.g. NAEP, 1979). Mandell (1997), for instance, reports that high school students have an average score of 57% in terms of money management, savings and investment, spending and other areas of income. HS graduates, in other words, have weak financial literacy. Adults also, generally, are almost totally illiterate regarding retirement and investment decision-making. A study of 552 adult females found that 56% were ignorant about the fundamentals of investing (Chen & Volpe, 1998). What this study seeks to investigate is whether college students would have a better grasp of financial literacy than high school graduates have and whether this improved financial literacy is a result of their college experiences.

When addressing the concept of middle school reform, the first question arises is -- what is a middle school and what was the original purpose of creating such an institution? At the beginning of the 20th century,…

¶ … Cheating is a large problem in our society today. Everything from sports athletes on steroids to questionable elections seems to be telling us its okay to succeed at any cost. But is this really the case?

Organizational analysis of Chinese industrial firm, Zhongqing Zongshen Automobile Industry Manufacturing Co., Ltd., offers much in terms of understanding the global powerhouse as an industrial economy of scale.

The history of brand has quickly evolved from a relatively simple approach taken by companies to differentiate their products and services by name or graphical representation alone to highly targeted, effective, emotive approaches to communicating value. Brands have evolved from fairly generic approaches to communicating the functional value of a product or service to evoking emotions customers attain when using them. An example of this is the progression of Proctor & Gamble (P&G) to communicate the utilitarian values of soap in the previous centuries of their branding to the psychographic benefits to parents of providing clean clothes for their children. P&G continues to excel on this progression from the utilitarian or functional value their products deliver to the psychographic and emotive nature of them. Today the branding and positioning from P&G and other consumer packaged goods (CPG) manufacturers concentrate on the contributory value of their products to the roles of consumers using them. In other words, using P&G soap and cleansers are marketed to imply a mother is more capable and caring for their family by using these products. The progression of the Coca-Cola brand is also a case in point. This company is masterful at the evolution of brands, progressing across over 150 nations with their branding strategies, creating a highly positive, energy-charge persona of their customer. All of these factors are orchestrated to create a highly effective strategy of reinforcing the core messaging and differentiated value of Coca-Cola.

¶ … homosexual teenagers in America. This is because numerous research studies have revealed that both male and female homosexuals are at danger not only from the traditional cultural forces but also from their sexual…

Most teachers and administrators agree that it is important to measure student learning within schools. Performing tests, obtaining results, and analyzing these results can help schools make decisions about curriculum,…

Social informatics, or the collection of research that examines the social and cultural aspects of information technology, is a relatively recent field. From its conception in the early 1970's as an unnamed field of…

According to my MBTI assessment results, I am