Congressional District 41 Riverside - 1404 Words

California Congressional District: 41 Riverside In â€Å"Congress in Black and White,† Christian Grose discusses his theory of politics and the different methods of choosing a representative that will serve the majority and minority communities equally. He believes that the best way to choose a representative is based on the majority of the people within that community. For example, he states that the best person to represent the African American community would be another African American who can empathize with what the community experiences on a daily basis. He explains the two theories black majority versus black-influence districts. For example, the term white-majority has lost its emphasis over the year. Within California, you can†¦show more content†¦Within district we see that there is high percentage of Hispanic/Latino with a 55.9%, 26.1% White, 9.5% Black, 5.9% Asians, and finally 2.6% as other. (Wikipedia) From the data, we see that District 41 is heavily concentrated with Hispanic/Latino community. When District 41 first came to be we see that the first representative was a Democrat, Lionel Van Deerlin, who served from 1973-1975. After Deerlin’s time in office there was trend of Republican representatives lasted from 1975-2013. On January 3, 2013 when Mark Takano took office, he actually ended the Republican reign within District 41. We see that from 2008 to 2016 there is a complete shift within the congressional district. In the Statement of Vote for the General Election (2008), California Secretary of State Debra Bowen, issued the statistics from the election in 2008, 2014, and 2016. When looking at the data from 2008, we see that the data shows preferences to the republican candidate, Jerry Luis, who was ahead by more than 60,000 plus votes compared to his opponent. Jerry Luis with the winning popular voted of 159, 486 (61.7%) versus his opponent Tim Pence(Democrat) who received 99, 214 (38.3). After looking into the 2012 election we see a slight shift between both politi cal parties, Democratic candidate, Mark Takano won the election with a 103,578 (59%). In the 2016 election we a polar opposite of the 2008 election, the democratic candidate Mark Takano, onceShow MoreRelatedThe Government and Not-For-Profit Environment100975 Words   |  404 Pagesthis special tax should be accounted for in which of the following funds? a) General fund. b) Internal service fund. c) Capital project fund. d) Debt service fund. 15. Riverside Golf Course is a City-owned golf course that collects greens fees in amounts sufficient to cover its expenses. Riverside Golf Course should be accounted for in which of the following funds? a) Internal service fund. b) Enterprise fund. c) General fund. d) Special revenue fund. 16. To fulfillRead MoreThe Boeing Company 2007 Annual Report61846 Words   |  248 Pagesperformance through growth and productivity 21 Five-Year Summary (Unaudited) 22 Forward-Looking Information 23 Management’s Discussion and Analysis 39 Quantitative and Qualitative Disclosures About Market Risk 40 Consolidated Statements of Operations 41 Consolidated Statements of Financial Position 42 Consolidated Statements of Cash Flows 43 Consolidated Statements of Shareholders’ Equity 44 Summary of Business Segment Data 45 Notes to Consolidated Financial Statements 74 Segment Information 76Read More_x000C_Introduction to Statistics and Data Analysis355457 Words   |  1422 Pageshas been on the faculty at Cal Poly since 1979, serving for six years as Chair of the Statistics Department before becoming Associate Dean. She received an M.S. in Mathematics and a Ph.D. in Applied Statistics from the University of California, Riverside. Roxy is nationally known in the area of statistics education, and in 2003 she received the American Statistical Association’s Founder’s Award, recognizing her contributions to K–12 and undergraduate statistics education. She is a Fellow of the American

O Connor Is A Non Profit Hospital Essay - 1214 Words

In an attempt to learn what a thriving HIM department looks like, I and three of my classmates visited the offices of Diane Premeau, who holds an MBA, PHIA, CHP, and CHC, the HIM Director for O’Connor Hospital. Diane has been with O’Connor for approximately 10 years and she was an excellent source of information, was very energetic and was generous with her time. O’Connor is a non-profit hospital that has been in operation for over a 100 years. O’Connor is part of the Daughters of Charity Health System (DCHS). Earlier this year O’Connor hospital, a part of Verity Health announced a comprehensive revenue cycle management (RCM) agreement with Conifer Health Solutions. Department Organization: This 358 hospital bed acute care facility. The HIM department is staffed with twenty one individuals who hold various positions. There is one with a RHIA credential, and two with RHIT credential. The other members of the department include Certified Coding Sp ecialists (4), Certified Coding Associates (1), Birth Recorders (1.5), Clerks (2.2), Technicians (6), System Technician (1), Registry (.8) and Document Specialists (2.2) with many tasks shared among the entire team. The information flow begins with the patient discharge. A new chart is created for each discharge. The chart is assembled, coded and then analyzed by senior HIM Specialist for deficiencies. If the chart is complete the chart goes to the main file. If not, complete MD is notified. Software applications- TheShow MoreRelatedBenefits Of Payment And Interim Payment Systems Essay1385 Words   |  6 PagesAfter getting admitted to a hospital in the past, health facilities would send a bill to the insurance company including charges for every procedure conducted on a patient and room payments. This process encouraged many hospitals to keep an individual for the longest time possible and administer as many procedures as they could to increase their earnings. Due to this reaso n, the health care costs increased, prompting the government to invent better payment methods with an emphasis on efficiency,Read MoreKaiser Permanente Southern California Is A Not Profit Healthcare Organization2630 Words   |  11 PagesExecutive Summary Kaiser Permanente Southern California is a not-profit healthcare organization committed to providing quality healthcare to patients. Their mission has been focused on providing affordable health care for its community as well as making improvements in their quality of care, research, nursing education and has been renowned for adapting an informational system. As a managed care organization Kaiser Permanente has served as a model for informational healthcareRead MoreThe Prison System Needs Reform7898 Words   |  32 Pagesapproaches to the punishment of prisons begin to transform. Plato presented the deterrent approach to punishment in his work of Gorgias: â€Å"Now the proper office of all punishment is twofold; he who is rightly punished ought either to become better and profit by it, or he ought to be made an example to his fellows, that they may see what he suffers, and fear to suffer the like, and become better. Those who are improved when they are punished by gods and men, are those whose sins are curable; and they areRead MoreKellogg Annual Report50191 Words   |  201 Pages  ®  ® â„ ¢  ® â„ ¢ page 2 | 2009 Annual Report Kellogg Company | page 3 strength of 2009 kelloggcompanyfinancialhighlights NET SALES (millions $) the â„ ¢ k elloggcompan yfi nancialhighlights OPERATING PROFIT (millions $) EPS ($) (diluted) In 2009, we delivered strong, high-quality results while continuing to build an even stronger Kellogg Company for the future. $3.16 2.76 2.99 (dollars in millions, except per share data) 11,776 9,614Read MoreCommunication Management Challenges in Construction Project Execution63139 Words   |  253 Pages(courtesy of Caterpillar, Inc.) Institutional and Commercial Building Construction Institutional and commercial building construction encompasses a great variety of project types and sizes, such as schools and universities, medical clinics and hospitals, recreational facilities and sports stadiums, retail chain stores and large shopping centers, warehouses and light manufacturing plants, and skyscrapers for offices and hotels. The owners of such buildings may or may not be familiar with constructionRead MoreHemp Cultivation in China42289 Words   |  170 PagesProjects Manager David Pate Secretary David Watson Chairman Hayo van der Werf Editor-in-Chief C O L O F O N The Journal of the International Hemp Association is a bi-annual publication of the International Hemp Association (IHA), Postbus 75007, 1070 AA Amsterdam, The Netherlands. Tel./fax: +31 20 6188758, e-mail: iha@euronet.nl ISSN nr 1381-091X. The International Hemp Association is a tax exempt non-profit organization; United States Federal Tax Registry No. 93-1186937.  ©1995, International Hemp AssociationRead MoreMarketing and Financial Markets41809 Words   |  168 Pages2012 edition Pride Ferrell William M. Pride Texas A M University O. C. Ferrell Univesity of New Mexico brief contents Part 1: Marketing Strategy and Customer relationships 1 1. An overview of Strategic Marketing. 2 2. Planning, implementing, and Controlling Marketing Strategies 30 Part 2: environmental Forces and Social and ethical responsibilities 61 3. the Marketing environment 62 4. Social Responsibility and ethics in Marketing 92  © Part 3: Using informationRead MoreStephen P. Robbins Timothy A. Judge (2011) Organizational Behaviour 15th Edition New Jersey: Prentice Hall393164 Words   |  1573 Pagesconsciously coordinated social unit, composed of two or more people, that functions on a relatively continuous basis to achieve a common goal or set of goals. By this definition, manufacturing and service firms are organizations, and so are schools, hospitals, churches, military units, retail stores, police departments, and local, state, and federal government agencies. The people who oversee the activities of manager An individual who achieves goals through other people. organization A consciously Read MoreAn Evaluation of an on-Farm Food Safety Program for Ontario Greenhouse Vegetable Producers; a Global Blueprint for Fruit and Vegetable Producers51659 Words   |  207 Pages | |design and layout permit appropriate maintenance, cleaning and disinfection and minimize air-borne contamination; | |surfaces and materials, in particular those in contact with food, are non-toxic in intended use and, where necessary, suitably | |durable, and easy to maintain and clean; | |where appropriate, suitable facilities are availableRead MoreProject Mgmt296381 Words   |  1186 Pagesdimensions.† Oliver Wendell Holmes, Jr. To my family who have always encircled me with love and encouragement—my parents (Samuel and Charlotte), my wife (Mary), my sons and their wives (Kevin and Dawn, Robert and Sally) and their children (Ryan, Carly, Connor and Lauren). C.F.G. â€Å"We must not cease from exploration and the end of all exploring will be to arrive where we begin and to know the place for the first time.† T. S. Eliot To Ann whose love and support has brought out the best in me. And, to

Gender, Gender And Gender Roles Essay - 1823 Words

We live in a progressing society with one never ending battle, it’s a global battle. A clearly determined line from both involving parties reveals to us the ancient war of genders. A society which has overcome many social indifferences yet gender roles is a highly controversial and complicated topic. It seems this generation is caught in the crossfire of the final frontier of this ancient war. An increase in fundamental changes in gender roles is resulting in manipulating society and altering gender boundaries; females are breaking out of traditional restraints. As with all changes, there are positive and negative attributes; females are advancing and closing the inequality division between males but have traditional roles been underestimated? In order to fully grasp the understanding of the subject of gender roles, we must discuss the meaning of gender. According to Cara Tannenbaum, Lorraine Greaves and Ian D. Grahm; the authors of Why Sex and Gender Matter in Implementation Research, by â€Å"using the term ‘sex’ to refer to the biological attributes that distinguish male from female, and the term ‘gender’ to refer to men and women s socially constructed roles, identities and behaviors† (1). The use of ‘role’ refers to an individual’s placement within society as well as their position within a relationship. ‘Traditional roles’ on the other hand refer to culturally established placement; for example, women’s exclusion from public life, women being homemakers, while men wereShow MoreRelatedGender, Gender And Gender Roles1437 Words   |  6 Pages Gender roles play an important role in society whether it is for good or for bad. These roles have been placed in society since the beginning of time. The term gender is socially created and it therefore categorizes men from women. How is gender defined, and what makes it different from the term sex? â€Å"†¦sex refers to the biologi cal characteristics that distinguish women and men: sex chromosomes, reproductive organs, sex-specific hormones, and physical characteristics†¦Gender†¦ refers to the socialRead MoreGender Roles : Gender And Gender1587 Words   |  7 Pagesbetween gender and sex. Sex is anatomical and biological. Gender role can be defined as a person’s inner sense of how a male or female should feel and behave. Culture and society are two important factors in relation to this particular topic. This implies that various societies and cultures may produce children and later fully grown men and women who may have diverse perspectives of a man or a woman’s place or role in the world around them; this is often determined by their culture’s gender stereotypesRead MoreGender, Gender And Gender Roles844 Words   |  4 PagesSociety has institutionalized gender roles since the beginning of time, a common one is that women are the nurturers and housekeepers, while men are the breadwinners of household. In spite of centuries, and fighting for women s rights, such as the right to vote in the late 1920s. Women still have roles to fulfill, even in a modern society that is dominated by a virtual world. Gender identification has multiplied from that of men and women, to Lesbian, Gay, Bisexual, Transgender and Queer (LGBTQ)Read MoreGender, Gender And Gender Roles1110 Words   |  5 Pagesbelieve gender is only based on being male or female. People believe gender is based on the physical and biological differences between women and men. Over the last few years, the term gender has changed. When some people believe gender is being male or female. Most people associate gender with gender roles and how people are supposed to function or perform based on society’s expectations. In other words, people believe males and females have to behave according to their gender or gender roles to beRead MoreGender, Gender And Gender Roles863 Words   |  4 PagesGender can sometimes be seen as biological characteristics humans have, when in fact it is the social characteristic ones society deems either masculine or feminine. Sex, on the other hand, is the biological differences in humans, for example, hormones and sex organs. People usually play gender roles in society, otherwise known as gender ideology. Gender ideology is when men and women have certain attitudes regarding their ‘fixed’ roles, responsibilities and rights. Throughout history men and womenRead MoreGender, Gender And Gender Roles1225 Words   |  5 Pagesoptions related to gender conduct. Male gender roles are instilled early on in childhood. As men meet these unwritten expectations they acquire acceptance from other men, attain potential mates, increase self-esteem and increase social status. This in part is called the socialization process. These benefits reinforce men to continue with this as their standard. What are these unwritten rules that are nurtured and ta ught so crucially by family and friends? Traditional gender roles are what determineRead MoreGender, Gender And Gender Roles2086 Words   |  9 PagesGender refers to being male or female. It is usually used to determine the cultural and social difference between men and women. Gender roles are expectations of how males and females should behave, what attitudes they should have, what activities they should do and etc. according to their culture (Witt, 2016). Years ago, males and females had specific roles that separated them from each other. Males were known to go hunting to provide food for the family, and females were to stay at home andRead MoreGender, Gender And Gender Roles1829 Words   |  8 PagesGender socialization often begins early once parents are shown the sex of their child; from then on, baby showers are planned according to gender â€Å"appropriate† colors, which are often pink for girls and blue for boys. Even differences in how children are spoke to c an be picked up easily in Western cultures. Girls are called pretty and sweet, whereas boys are handsome and strong. Ultimately, the way children learn to identify with their gender culture is in part due to not only family and friendsRead MoreGender Roles And Gender Role844 Words   |  4 PagesGender Roles can be defined as roles society expects people to play on account of their sex life. Like all roles, gender roles are made up of sets of expectations, so they can be thought of as sets of expirations, so they can be thought of as sets of expectation that are attached to sex.(pp: 220 John E. Farley Michael W. Flota). The key word gender role affects me personally because as recent graduate of high school it’s time for me to go into the real world, of working class gender role of theRead MoreGender Roles And Gender Role Essay784 Words   |  4 Pagessession, I will discuss the gender roles in my family. The definition of gender role is the degree to which a person adopts the gender-specific behaviors ascribed by his or her culture (Matsumoto, D. R., Juang 2013, 156). For example, traditional gender roles recommend that males are aggressive, angry, and unemotional. It goes further and explains that the male should leave the home every day to make a living and be the main wage earner. The traditional gender role for the female purpose is to

International Reserves Composition Foreign -Myassignmenthelp.Com

Question: Discuss About The International Reserves Composition Foreign? Answer: Introduction The report mainly aims to evaluate the investment procedure of young families as well as retirees. Ample research has been conducted in this report for recognizing the opportunities of investment that could be required by 65- year old and 35- year old investor. The scope of investment of $1.5 million is required to be assessed for these two investors that could facilitate to generate higher revenue from the investment. In addition, the report also assesses diverse investment portfolios that have conservative growth, capital appreciation, growth of income and equity income. These pertinent measures will be utilized for identifying the best possible option of investment for the companies that might produce higher revenue from the investment (Bodie, Kane and Marcus 2014). Moreover, two portfolios are basically prepared in this report that could aid both the 35 year old and 65- year old investors for generating higher income from the investment. Furthermore, sufficient recommendation for these investors portfolio is also conducted in this report, which could also facilitate them to create wealth as well as support in their financial obligations. Research The research is basically conducted on the process of investment and different kinds of funds that could be utilized in forming sufficient portfolio of the companies. In addition, the assessment of the investment procedure could also facilitate in structuring the portfolio for these two clients, which might aid in supporting their future expenditure. There are various levels of the investment procedure that is required to be conducted before investment in order to identify relevant procedure for producing higher return. In addition, evaluation of different kinds of funds has also been conducted for understanding the needs of these investors. Pertinent identification as well as the investment procedure is also stated as under: Generation of idea for investment Idea generation refers to the starting procedure of investment in which the investment need of these investors is assessed for drafting the correct portfolio. Furthermore, the organization should conduct adequate qualitative as well as quantitative screening, which could help to identify opportunities of investment. Additionally, the screening procedure is also helpful to detect risk as well as return, which might be provided from the investment (Al-Hassan et al. 2013). Pertinent findings concerning various levels of return as well as risk generated from stock should be conducted by the organization, which in turn might facilitate to generate higher revenue from the investment. It has been stated by () that assessment of risk as well as return also permits the investors to identify opportunities of investment and make higher revenue. Researching different options of investment After identifying various extent of the investment opportunity, the stocks selected could be taken into account in order to generate higher level of return. In addition, identification of balance sheet, strength of management, structure of industry and ESG revenue is usually conducted by the organization (van Duuren, Plantinga and Scholtens 2016). Furthermore, applicable recognition of weakness as well as strength in the investment scope could also help to draft ample portfolio in order to support investment requirements to the investors. The evaluation of technical as well as fundamental analysis should also be conducted for detecting return as well as risk that is involved in the investment stock operations. In this perspective, it has been opined by Hull (2014) that the investors could identify various stocks through research options, which have less risk and hence enhance their return. Assessing the portfolio that is required for investment The third process of investment is basically the portfolio creation that is based on the needs of the investors. In addition, this portfolio creation directly helps to detect risk as well as return, which might be generated from the investment. However, through this process the investors could assess the ability of the portfolio in order to match their return as well as risk level. The evaluation that has been conducted on the portfolio could also help to detect the investment style that includes equity income, income growth, conservative growth and appreciation of capital (HA Davis and Lleo 2015). In addition, proper identification of this investment style could also aid to select proper portfolio for these two investors and thereby support their investment need. Conducting management of portfolio The last phase of investment procedure is the portfolio management that helps to assess the portfolio performance according to the needs of investors. Furthermore, this portfolio management in turn could ultimately aid to detect the nature of portfolio in order to support the investment needs of the investors. Moreover, the detection of target as well as return could also be recognized in the procedure, where the portfolio managers have the ability to understand the financial needs of the investors for managing their portfolio (Chandra 2017). This phase is basically the monitoring process, which is required to be conducted by the investors in order to maintain extent of probable return from the investment. Different kinds of funds that is available for investment while assessing returns as well as risk from investment are portrayed as under- Aggressive growth equities Aggressive growth equities refer to stocks that have higher risk as well as return from the investment. These kinds of stocks are mainly affected by the capital market volatility and this in turn also aids to enhance the returns of the investors. In addition, these growth equities basically comprises of the stocks that are mainly focused on giving higher returns to the investors. The utilization of both fundamental as well as technical indicator also permits the investors to detect those stocks that have high growth rate in the market on annual basis. This aggressive growth equity has been basically used by the investors for increasing the return level in their portfolio. It has been opined by Damodaran (2012) that, the investors also uses these stock for increasing their return level that might be generated from the portfolio investment. Long term growth equities The second kind of the investment fund is the long term growth equities that are utilized by the investors for growing their return as well as investment capital. This in turn also permits the investors in generating returns for longer term from their investment (McGuire, Omer and Wilde 2013). In addition, this kind of investment basically has less risk as well as stable return since the investors aims to increase their wealth from this investment. Moreover, the financial institutions and the fundamental investors usually use this kind of equity funding in order to maximize profitability level. On the other hand, the conservative investors might utilize this fund in order to increase their profit margin and generate growth. Growth as well as income equities The income as well as growth equity funds generate higher returns from the investment, which in turn could aid to generate adequate profitability level from their investment. This fund basically aims to increase their portfolio value as well as produce dividend from the investment. This kind of stock also generates good reward from the investment since it is directly influenced from the capital market. In addition, the investment banker also utilizes this fund as they wanted to raise their investment in capital and acquire sufficient dividends for paying their investors. The stocks that have huge growth prospects as well as dividend payments has been selected for this kind of investment in which the risk is moderately high. It has been mentioned by () that, the investors that have huge prospects of income and growth mainly requires to use risky stocks for supporting their investment need. Foreign equities The investments in foreign equity directly permit the investors to raise the returns owing to rise in growth rate in the emerging markets. Investments in Malaysia, Indonesia and other emerging nations could relatively permit the foreign investors in generating larger revenue from investment (Qian and Steiner 2014). These investments in the foreign equities are basically conducted on the organization that have higher potential to generate returns and is thus analyzed by assessing its performance. On the other hand, the rules of investment in the domestic market are eventually different, which in turn limits the investors to take benefit from unpredictable capital market of the emerging markets. Foreign Bond Foreign bonds could be used by the investors in order to increase relevant returns since it gives fixed payment as well as coupon payment for specific period of time. In addition, the utilization of foreign bonds is enormously high because the conservative investors basically utilize options of investment in their portfolio (Batten, Hogan and Szilagyi 2012). The developing nations usually have high interest rate payment on the bonds since they require FDI ( foreign direct investment). However, this might relatively permit their investors in generating high income in their bonds as compared to the bond payments that is provided in advanced nations. The conservative investors that focus on higher returns with less risk have the ability to increase the returns from their portfolio. Income securities Income securities are basically recognized as one type of mutual funds and investment criteria that is conducted by the investors in order to generate higher returns. Moreover, selection of applicable securities as well as mutual funds is essential for these investors since they provides conservative as well as high risk investment opportunities. Furthermore, conservative as well as aggressive investors tend to invest in these income securities since it gives adequate opportunities of investment. Return as well as risk profile of these income securities are basically connected with huge scope of investment that is used by the investors. Furthermore, Gross, W.H. and Toloui (2012) portrays that the investors usually selects mutual funds after assessing the total returns from the specific security over particular time of existence. Analysis for the 35 year old professional For 35 year old professional Particulars Percentage % Amount Securities Share returns Yield % Investment fund 100% $ 1,500,000 Long-term growth equities 10% $ 150,000 Goodman Group 18.83% 3.31% Growth Income Equities 40% $ 600,000 CSL Limited 30.16% 1.01% International Equities 8% $ 120,000 Bank Rakyat Indonesia (Persero) Tbk PT 65.75% 2.91% International income 8% $ 120,000 GL07/23 4.39% 4.22% Income Securities 5% $ 75,000 GSBI21 5.75% 2.24% Aggressive growth equities 29% $ 435,000 Computershare Limited 32.02% 1.81% The above table that has been constructed depicts the total returns that could be derived from the portfolio that has been created for the 35-year-old professional. The portfolio that has been constructed constitute of the stocks that facilitate the essential features like the higher income capacity and higher growth. This has been helpful in deriving the relevant outcomes. In addition to it, the portfolio facilitates the providence of higher returns from the particular investments as the stocks that yield higher returns have been utilized for drafting the overall portfolio. The companies that have been utilized for drafting the portfolio are of the names Goodman Group and CSL Limited. The companies have been used for the purpose of generating the desired revenue from the investments. This could be generated from the dividend yield and stock return. The evaluation of these stocks leads to the accelerated rate of progress that efficiently allows the investors to create wealth. The internal equities and the securities that have been used for the purpose of drafting the portfolio have been utilized for developing an investment stream so that the returns could be efficiently improved from the investors. Moreover, the international equities facilitate the providence of higher market returns and the yields from the dividends in comparison to the securities that have been listed in the portfolio. It is evident from the table that the utilization of an aggressive growth equity has also been used in drafting the portfolio in order to efficiently generate higher amounts of return both from the dividend yield and stocks. This has been one of the most crucial criteria in relation to investment for a 35-year-old professional, who intends to increase the amount of returns from the portfolio. This evidently will result in improving the returns that could have been provided by the companies on a long-term basis. In case of the international equities the growth perspectiv e and the aggressiveness of the growth equity have been subjectively high. This permits the investors for creating adequate wealth for supporting the financial obligations incurred by them. Analysis for the 65-year-old retiree For 65 year old retiree Particulars Percentage % Amount Securities Share returns Yield % Investment fund 100% $ 1,500,000 Long-term growth equities 25% $ 375,000 Goodman Group 18.83% 3.31% Growth Income Equities 7% $ 105,000 CSL Limited 30.16% 1.01% International Equities 8% $ 120,000 Bank Rakyat Indonesia (Persero) Tbk PT 65.75% 2.91% International income 32% $ 480,000 GL07/23 4.39% 4.22% Income Securities 28% $ 420,000 GSBI21 5.75% 2.24% The portfolio that had been created for the 65-year-old retiree majorly constitutes of the bonds and stocks that reflect a higher degree of the growth rate. The 65-year-old investor being orthodox and conservative in nature eventually gradually could permit the international income and the income securities to be the weighted investments that have been included in the portfolio and is of the highest value. The portfolio has been strictly focused on the creation of wealth and reduces the amounts of risks in relation to the investments. This could result in the generation of a constant source of income via the portfolio. The portfolio that has been drafted strictly concentrates on the investments in relation to the low risks, where income equities and growth holds up to a 5% of the portfolio value. This has been conducted mainly in order to ensure the constant flow of returns that will be received by the 65 year-old-retiree post his retirement. The portfolio has been further focused on the bonds and other equities with high growth would result in the reduction of the actual risk associated with the investment and ensure the providence of the constant returns. The utilization of the international income and the income securities could result in the old retiree receiving the payments in relation to the annual coupons by which he can support the financial obligations incurred by him. Moreover, the portfolio has been drafted by keeping in mind the growth equities that have been incurred on a long term basis. This evidently increases the value of the portfolio and ensures obtaining higher returns from the investment. It should be noted here that the portfolio has been created for a conservative investor who is against the accumulation of a high degree of risk in the portfolio. Recommendation and Conclusion The complete evaluation process that has been conducted is majorly focused on the providence of enough opportunities in relation to the investment for a 35 year old professional and 65 year old retiree. The portfolio that has been created and drafted reflect the requirements in terms of the investments and expenditures that have been incurred on a daily basis. The particular investment process and the categories of funds that have been required for the creation of the portfolios have been mentioned in this particular report. This has adequately resulted in the proper drafting of the portfolio for the investors. The preparation of the portfolio is strictly focused on the criteria of investment that has been provided by each of the investors in which the portfolio weights have been properly adjusted to support the requirements of the returns. The portfolio that has been created in the particular report properly acknowledges all the requirements of the investors so that the investors ca n meet their financial obligations. The 35-year-old-professional has mainly focused on the accumulation of greater amounts of return by the accumulation of risks in his portfolio. However, the 65-year-old-retiree focuses on the constant flow of income as returns from the investments with lower amounts of accumulated risks. Reference Bodie, Z., Kane, A. and Marcus, A.J., 2014.Investments, 10e. McGraw-Hill Education. Al-Hassan, A., Papaioannou, M.M.G., Skancke, M. and Sung, C.C., 2013.Sovereign wealth funds: Aspects of governance structures and investment management(No. 13-231). International Monetary Fund. van Duuren, E., Plantinga, A. and Scholtens, B., 2016. ESG integration and the investment management process: fundamental investing reinvented.Journal of Business Ethics,138(3), pp.525-533. HA Davis, M. and Lleo, S., 2015.Risk-Sensitive Investment Management. Chandra, P., 2017.Investment analysis and portfolio management. McGraw-Hill Education. Brodsky, W. and Speth, W., Chicago Board Options Exchange, 2012.Method and system for creating and trading derivative investment instruments based on an index of investment management companies. U.S. Patent 8,204,816. Batten, J.A., Hogan, W.P. and Szilagyi, P.G., 2012. 12. Foreign bond markets and financial market development: international perspectives.Implications of the global financial crisis for financial reform and regulation in Asia, p.248. Qian, X. and Steiner, A., 2014. International reserves and the composition of foreign equity investment.Review of International Economics,22(2), pp.379-409. McGuire, S.T., Omer, T.C. and Wilde, J.H., 2013. Investment opportunity sets, operating uncertainty, and capital market pressure: Determinants of investments in tax shelter activities?.The Journal of the American Taxation Association,36(1), pp.1-26. Hull, J.C., 2014.The evaluation of risk in business investment. Elsevier. Damodaran, A., 2012.Investment valuation: Tools and techniques for determining the value of any asset(Vol. 666). John Wiley Sons. Gross, W.H. and Toloui, R., Pacific Investment Management Company LLC, 2012.Fixed income securities index. U.S. Patent 8,306,892.