An Example of Dividend Policy Irrelevance Essay Example

An Example of Dividend Policy Irrelevance Essay AN EXAMPLE OF DIVIDEND POLICY IRRELEVANCE A model gives knowledge into the profit immateriality recommendation. Assume that currently is time 0, and one year from now is time 1. Carter Company simply delivered its time 0 profit (expect profits are paid once every year), and plans to freely report its profit strategy for the following year. It is thinking about the accompanying two arrangements (all dollar sums in $millions). Strategy I: At time 1, profits = $110, new offer deals = 0, treasury stock buys = 0 Strategy II: At time 1, profits = $121, new offer deals = $11, treasury stock buys = 0 The time 1 all out value esteem (the $2,200 in segment (3) of the show underneath) is the time 1 market estimation all things considered (shares that were exceptional at time 0 and new offers gave at time 1. It is the ex-profit (post time 1 profit) estimation of the firm’s value at time 1. This sum ($2,200) is the equivalent under strategies I and II on the grounds that the firm’s resources and money related structure are the very same under I and II (suggesting a similar time 1 all out estimation of all the value remarkable at time 1). We expect that the purchasers of the new time 1 stock follow through on a reasonable cost for the stock. Profit strategy (1) Time 1 profit (2) Time 1 all out value esteem (time 0 offers + new time 1 offers) (3) Time 1 estimation of new time 1 offers (4)Time 1 estimation of bygone era 0 offers [= (3) ? (4)] (5) I$110$2,2000$2,200 II$121$2,200$11$2,189 Now let’s process the time 0 estimation of the Carter stock if Carter declares strategy I, and in the event that it reports strategy II. Accept a value markdown rate (k) of 10%. = $2,100 (1) = $2,100 (2) We will compose a custom article test on An Example of Dividend Policy Irrelevance explicitly for you for just $16.38 $13.9/page Request now We will compose a custom article test on An Example of Dividend Policy Irrelevance explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer We will compose a custom article test on An Example of Dividend Policy Irrelevance explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer In the numerator of (2), ($2,200 ? $11) is the time 1 estimation of the time 0 offers (the offers that were remarkable at time 0, which approaches the estimation of the considerable number of offers at time 1 short the estimation of the new offers gave at time 1). The time 0 estimation of those offers is autonomous of profit strategy. At time 1, under arrangement II, the time 0 investors surrender a $11 proprietorship enthusiasm for the firm’s shares in return for a $11 profit installments; the exchange is a wash. This wash impact holds for any profit strategy change if there are no close to home assessments.

Reading Strategies

Perusing Strategies Worksheet †¢ How would you as of now approach the week by week readings in the course? I approach the week after week readings with a ton of vitality so when I read the material it remains new in my brain. I likewise prefer to accept notes as I read featuring the primary concerns in each section. I approach my readings as though it were my activity and pay attention to the data gave very. I take a gander at is as the apparatuses to my exchange and to not completely fathom the content implies that I can’t completely achieve my objective of getting a degree. By what method may you fuse three of the proposals secured for the current week into your examination time? I could consolidate a portion of the recommendations given to me by seeing my content. This could help massively in light of the fact that it encourages you to get a perspective on what it is you are going to peruse and assists with perceiving things you definitely know. Another system is denot ing my course reading. This can help by letting me reference my notes instead of read through the whole material over once more. One last technique I could consolidate is readings in time squares. This encourages me to concentrate more on what I am perusing with the goal that I can keep the data I increase new in my brain. †¢ How may this arrangement assist you with achieving your understanding objectives? This arrangement could assist me with achieving my perusing objectives by helping me to center and fathom more. Likewise by expanding my understanding level. This arrangement could assist me with being to a greater extent a cognizant peruser and not only one who understands material and doesn’t hold any of the data. This can likewise be useful by letting me skim over the content because of my note taking and mapping.

Why Your Cheating Spouse Had an Online Affair

Why Your Cheating Spouse Had an Online Affair Addiction Addictive Behaviors Sex Print The Reasons Why Your Spouse Had an Affair Online By Elizabeth Hartney, BSc., MSc., MA, PhD Elizabeth Hartney, BSc, MSc, MA, PhD is a psychologist, professor, and Director of the Centre for Health Leadership and Research at Royal Roads University, Canada. Learn about our editorial policy Elizabeth Hartney, BSc., MSc., MA, PhD Medically reviewed by Medically reviewed by Steven Gans, MD on August 05, 2016 Steven Gans, MD is board-certified in psychiatry and is an active supervisor, teacher, and mentor at Massachusetts General Hospital. Learn about our Medical Review Board Steven Gans, MD Updated on February 10, 2020 Richard Theis / EyeEm / Getty Images More in Addiction Addictive Behaviors Sex Caffeine Internet Shopping Alcohol Use Drug Use Nicotine Use Coping and Recovery The discovery that your partner is having an affair can be upsetting. But if it is an online affair, it can also be confusing and bring up many questions. You might wonder if it meets the definition of real infidelity, why they sought an online affair when you were available, and what is appealing about having a virtual affair. You may also want to know whether an online affair is a sign of  sex addiction, of which there are many  types. Online affairs can be difficult for both the injured partner to understand, as well as for the therapists who work with them (as they may be more accustomed to helping clients work through in-person affairs). A growing number of couples are affected by cybersex  infidelity. Online affairs can be difficult to understand for partners and the therapists they work with. Your first reaction may be to get full disclosure from your cheating spouse in the hope of understanding why it happened but be patient. Discovering and understanding your partners online affair is a process that takes time. Factors Leading to Online Affairs Here are some reasons that people in relationships may pursue an online affair: Anonymity: Online affairs allow people who are in relationships already to seek out affairs without their potential partners knowing their real-life identity. You can hide behind a screen name and use a fake photo, creating a new persona. You dont run the risk of being easily identified by a friend, neighbor, or your partner.  Meeting via an app or in a chat room eliminates the human aspects of meeting someone, such as facial expression, body language, and even physical appearance.Convenience: Online affairs are easy to initiate, as there are many apps, chat rooms, and websites set up for this specific purpose. Smartphones have given the technology even greater flexibility, as now most people can access the Internet at no additional cost from wherever they may be, at any time of day. Initial curiosity can rapidly escalate into an online affair.Escape: People who choose to have an online affair rather than an in-person affair may rationalize that it is not a real affair. The people co ncerned have not met, and may even live on opposite sides of the globe. It can feel like an escape from the mundane reality of relationships and activities in the real world, operating far more in the domain of fantasy. How to Tell If You Are a Sex Addict Will It Last? Online affairs may be short-lived, but there is no shortage of new partners with whom to start a new virtual affair. A  person can slip into becoming addicted to online affairs in the same way they can get addicted to other behaviors.?? If you or your partner are compulsively seeking sexual contact online, you can and should seek help. The Dangers of Emotional Affairs

Drug Testing of High School Students - 1075 Words

Mandatory Drug Testing of High School Athletes Brandon had always wanted to play football for his high school team. He had always been one of the slowest and smallest boys in his grade. While in 8th grade, he was introduced to performance enhancing drugs. He was sold on the fact that they would make him stronger, faster, and maybe give him a shot to make the high school football team. During his first year of taking the performance enhancing drug, Brandon had increased strength and self-pride. As others started to see his achievements they started asking how he had made such drastic changes in strength. His response was hard work and determination, but quickly people started to really question these drastic changes. His upcoming†¦show more content†¦Brandon struggled with the schools decision of mandatory drug testing and the forfeit of games played. He also learned that that school was looking after his wellbeing, when he learned of all the long term health effects that he was imposing on his body. Mandatory drug testing also provided him with an avenue to promote a drug free environment with fellow classmates. Brandon became a member of the red ribbon committee following his failed test, without this testing he would have continued to mock this great committee. Mandatory drug testing should be done nationwide among high schools. Works Consulted Ash, Katie. Steroid-Testing Plans In Texas And Illinois Are Moving Forward. Education Week 27.20 (2008): 8-9. Academic Search Complete. Web. 10 Nov. 2011. Askthejudge.info. Can schools force students to submit to drug testing?. N.p., 08/27/2007. Web. 17 Nov 2011. lt;http://www.askthejudge.info/can-schools-force-students-to-submit-to-drug-testing/45/gt;. Bowman, Darcia Harris. Student Drug Testing Gathers Prominent Support. Education Week 23.3 (2003): 1-17. Academic Search Complete. Web. 10 Nov. 2011. Greifner, Laura. N.J. Steroid Testing Gets Attention In Other States. Education Week 26.29 (2007): 5-12. Academic Search Complete. Web. 10 Nov. 2011. Harrison Pope, Jr. â€Å"Psychiatric and Medical Effects of Anabolic-Androgen Steroid Use.† GeneralShow MoreRelatedIllicit Drugs Have Become A Big Issue In Today’S Society.1430 Words   |  6 PagesIllicit drugs have become a big issue in today’s society. Many schools feel the need to prevent the increasing use of these illegal and harmful drugs. In order to decrease the number of students who are abusing or just using drugs, many schools have adopted drug testing policies. These drug testing policies vary from school to school; however, they all are testing students involved in extracurricular activities such as school clubs, athletics, and even students who own a parking pass. Although theRead MoreStudent Athletes Should Never be Tested for Drugs1282 Words   |  6 PagesRandom drug testing is starting to become more frequent in schools; especially towards student athletes. Schools have been drug testing student athletes since approximately 1995 and in 2002, the court made it a law that high school athletes must be drug tested. There are several testing methods that use hair, urine, oral fluids, and sweat. Urine testing is the most popular type of testing for drugs. The debate of drug testing student athletes is still on the rise amongst people. Supporters of drugRead MoreMandatory Drug Testing for High School Athletes Essay1338 Words   |  6 Pagesdefines a drug as ‘any substance that when taken into the living organism may modify one or more of its functions’† (Newton 12). However, when speaking of drug testing for abuse a person is usually thinking about illegal drugs or drugs that can alter athletic performance in sporting events. Mandatory drug testing was not allowed in public schools until June 2002 when the Supreme Court allowed for public schools to do random drug testing (Carroll 23). This decision allowed for drug testing in allRead MoreWe Need Mandatory Random Drug Testing in Public Schools Essay1524 Words   |  7 PagesIs public school drug testing really appropriate? Mandatory-Random Student Drug Testing (MRSDT) and school-based Suspicionless Random Drug Testing (SRDT) are two of many approaches that school districts could use to help prevent and lower the rates of drug and substance use (James-Burdumy 1). MRSDT was introduced in the late 1980’s when the United States Military created other programs to control substance use (James-Burdumy 1; Russell 169). The United States Department of Education’s Office of SafeRead MoreArgument Random Drug Tests in School Essay792 Words   |  4 PagesArgument: Random Drug Testing in High schools Many high schools across the country have brought much attention to the idea of giving random drug tests to students in high school. The newfound interest in student drug testing may be as a result of recent polls, which have shown an increase in drug use among high school students. Many teachers, parents, and members of school comities are for the drug testing, while most students and some parents feel that this would be a violation of students rights asRead MoreDrug Testing Essay1328 Words   |  6 PagesEven though drug testing is very expensive, ALL high school’s athletes should be tested because drugs are bad for your health and very addictive. A simple drug test could save many lives. Many schools around deny the request to drug test their athletes for the simple conclusion that the cost of the testing would just be to expensive. I disagree whole heartedly on that because although it may be expensive, we could save so many lives by requiring drug tests to play sports. Many students have love forRead MoreDrug Testing for School Athletes966 Words   |  4 Pages Drug use in school athletics has become a substantial problem in today’s society. With the rising pressure to succeed and the high level intensity in athletics, it does not come to a surprise that so many student–athletes are giving in to drugs. Many schools that are faced with drug use are turning to mandatory drug tests for student-athletes; however mandatory drug tests are a violation of the Fourth Amendment, the Fifth Amendment and drug testing reverses the legal principle of innocentRead MoreMandatory Drug Testing for Student Athletes Essay966 Words   |  4 Pages In many high schools around the country, student athletes are using drugs. â€Å"The percent of students that have drunk alcohol is 72.5% while the number of students who have used marijuana is 36.8%† (Report: Nearly Half of High School Students Using Drugs, Alcohol). The students believe that since they are athletes that they do not need to abide by the rules because they feel more superior and that the narcotic will not hurt or affect them. Implementing random drug tests for athletes will create aRead More Random Student Drug Testing (RSDT) Essay1735 Words   |  7 PagesWhat is drug testing? Drug testing is an examination of biologic material such as urine, hair, saliva, or sweat to detect the presence of specific drugs and determine prior drug use. Student random drug testing programs, RSDT, is increasingly common (Edwards). RSDT can help identify the students who are already abusing illicit drugs. Yet most schools only drug test the students, when they should also be dr ug testing the teachers and staff. Illicit drug use interferes with the ability to learn, affectsRead MoreDrug Testing For High Schools And Middle Schools1301 Words   |  6 PagesPersuading kids to not do drugs is a tough subject to approach as parents and teachers. When it comes to kids being unhappy, they will more than likely hear that drugs bring happiness to them. With drug testing involved in high schools and middle schools. The students should see that it is no longer an option to do drugs in order for their own self happiness. Students can result to other options that are more acceptable to society, and not to mention activities that are legal. Although these kids

The Most Popular Examples of Concluding Sentences

The Most Popular Examples of Concluding Sentences The Importance of Examples of Concluding Sentences The introduction usually comprises minimum of 3 sentences in length. To begin with, it is a repetition and so couldn't be duller. Typically whenever you're writing you're attempting to earn a single overriding point. Examples of Concluding Sentences - the Conspiracy The very first sentence has to be intriguing. A paragraph starts with what's referred to as the topic sentence. A concluding paragraph permits you to create the point clearly and precisely. It is a summary of all that you have said in the body. The left hand column is going to be headed YOUR REQUIREMENTS and the correct hand column MY QUALIFICATIONS. Each principal point or argument needs to be discussed in one or a number of paragraphs in the principal body of the essay. In the introductory example, the dependent clause occurs at the start of the sentence, therefore there is no need to have a comma at the start of the clause. The Chronicles of Examples of Concluding Sentences Suggestions to compose a top quality essay The next tips can be used for writing a flawless essay. You've got a guide and get ideas about what to do with your essay. The introduction is a couple sentences that list the principal points of your essay. Also, you can look for sample expository essay topics so you will understand what to research and that which you will deal with. If you ought to be struggling over your essay, research paper, and just a dissertation simply take a look at our institution's website and we are going to stop the torture. An essay is an ongoing part of prose and ought not to contain sub-titles. Furthermore, if your essay is clear, they are easily able to understand it. A history essay always demands excessive research and a lot of book reading that may empower your ideas and make you knowledgeable. The Number One Question You Must Ask for Examples of Concluding Sentences A topic is too narrow if there aren't any sufficient tips for discussion. It should not be limited or too broad. Prewriting In the prewriting phase, you will need to brainstorm about this issue and the most important idea. The very first issue is to pick a great subject of discussion before any other point. A Startling Fact about Examples of Concluding Sentences Uncovered Another benefit of our website is the quickness. Attempt to learn what the name of the interviewer would be or the particular person to get hold of. A Startling Fact about Examples of Concluding Sentences Uncovered It is essential that you compose the essay utilizing complete sentence, correct spelling and appropriate grammar. Recognizing the comma's complexity, lots of new writers are frightened to utilize it. Provided that the focus is on structure, brevity, simplicity and clarity it is rather possible you will wind up writing a superb essay. The supporting sentences contain more information about this issue sentence. Essay writing isn't only about including relevant details. Number 2 might be the comprehensive sentence. Writing well isn't essentially a divine present. Students have a challenging time in writing if they don't have a draft or outline to follow. Over the last three decades with the debut of a variety of Education Reform Acts across Europe we have observed an important shift in attitude in design education. Some choices are less signi ficant like ordering from a menu at a restaurant while some impact the remainder of your life like whether or not you need to get married. A challenge like that can easily incorporate a call to action, for example, to obtain your merchandise. Whispered Examples of Concluding Sentences Secrets It's better to thank the employer in the last line. Many are highly-reputed. The actual individuals highly praise our essay help site. If you're writing a piece educating the general public about the development in teen suicides, an emoji or GIF will feel strange. In general, journalists will need to learn to use social media properly to maximize their opportunities. Journalists which don't find out how to use social media become crucified by men and women on all social media platforms. All About Examples of Concluding Sentences Utilizing a plan should increase the stream of the essay. Transitions Between each major point, you need to have good transitions. Essay help companies of fer essay structure guides. Essay assignment help companies offer their premium services at an inexpensive pace. An individual may order customized essays and papers by way of filling in the required form on its website. Simply make certain your book review has balanced arguments which you are able to easily prove. In the event you've come across some relevant specifics about the author, don't hesitate to mention them in your introduction too. Depending on the level, the topics and standard might vary.

English Speech Format Free Essays

Speech: A speech is an extended textual composition. May be based on a verbal or visual stimulus. A speech, like the article, requires a student to express his/her own opinion on a given subject. We will write a custom essay sample on English Speech Format or any similar topic only for you Order Now Write about 3-5 paragraphs. 1st Para †¢Heading or title †¢Introduction-salutation- Addressing the audience, self-introduction- and introducing the topic 2nd Para †¢Logically develop your argument. Credit is given for creativity in presenting ideas. †¢Points should be well organized and linked. Should read fluently. †¢Use rich vocabulary. Spellings must be correct. Use idiomatic expressions 3rd Para †¢Give different thoughts. †¢Points should be coherent. †¢You can take up different issues. 4thd Para †¢Discuss the connected themes as well. †¢Discuss problems if any and provide solutions. †¢Arrive towards a conclusion. 5th Para-Conclusion †¢Repeat and reiterate your point of view. †¢Correct voice (passive, active) and tense to be used. †¢Finally, give a very strong conclusion. Solved Example: Speech: Forgiveness makes, anger mars By The Speech Writer Good morning respected Principal, teachers and my dear friends! This is The Speech Deliverer from 10-A, delivering a speech on, â€Å"Forgiveness makes, anger mars. † In today’s hectic times anyone can hurt us anytime—and that too without any rhyme or reason or fault of ours! May be we can also do the same to others. We always look for a healing touch after someone has hurt, humiliated or insulted us. A wise man will make haste to forgive because he knows the true value of time, and will not suffer it to pass away in unnecessary pain. On the other hand, anger is a short madness and when a man grows angry, his reason rides out. Fury and anger carry the mind away. True, anger is never without a reason, but seldom with a good one. In fact anger is the fury and frenzy of the soul. Anger is hard to combat as it is willing to buy revenge with life. By controlling the anger of a minute, one may avoid the remorse of a lifetime. So, with the good man anger is quick to die. One reason is that it may compensate for the powerlessness we experienced when we were hurt. We may feel more in charge when we are filled with anger. But forgiving instils a much greater Medically speaking, people who remain angry most are susceptible to hypertension and related heart/brain diseases. Re-living unsuccessful or humiliating situations in the past hurt over and over again and prove bad for your health. other illnesses. Angry men make themselves beds of nettles. Anger always begins with folly and ends with repentance. Anger is like those ruins that break themselves against what they fall upon. Anger is a spender and few indulge it without cost. How to cite English Speech Format, Essay examples

Pursuit of Happiness free essay sample

Poverty the state or condition of having little or no money, goods, or means of support; condition of being poor. (According to Dictionary. com) Theories: †¢Structural Functionalism – Poverty is natural expected †¢Symbolic Interaction – The way we view the poor, blaming the victim oWe work to change the behavior, not the actual cause Poverty is unnatural and not the fault of the individual but rather the fault of society Definitions: †¢Persistent Poverty – you grow up poor and you stay poor †¢Temporary Poverty – usually results from illness, divorce, or unemployment (2 years or less) How Pursuit of Happyness relates to Poverty †¢Gardners grew up in poverty Only â€Å"blue-collared† jobs were available to the â€Å"colored† †¢They had poor housing, struggled to find food, limited funds to pay rent †¢Chris Gardner faced â€Å"persistent poverty† but managed to make it â€Å"temporary poverty† by never giving up on his dream to become wealthy, to own a â€Å"Ferrari† †¢Encountered inequality because even though he was able to get a job, all of his clients went to a â€Å"more-experienced† person – a white person †¢Chris falls into the category of a person who has the experience, but no formal education †¢Had a difficult time finding a home for him and his son †¢Faced jail time Political Views †¢Conservatives Not that many people are living in absolute poverty oPeople should take responsibility for themselves oWork hard = success oLimit government involvement to help those who NEED help †¢Liberals oPoverty is a societal problem and should work together to fix it oRecognize that poverty affects different groups rather than individuals oIncome is distributed unequally and is heavily impacted by discrimination oSupport government aide oFeel that many people don’t try for assistance because the culture of shame The Pursuit of Happyness Chapter 1 †¢Chris Gardner, along with his siblings lived in a foster home. We will write a custom essay sample on Pursuit of Happiness or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Lived with Mr. and Mrs. Robinson. Chris’ biological mother would visit at times to give candy them candy. At a young age, Chris’ sister Ophelia would steal cherries from a neighbor’s garden. While growing up, Chris always looked to Ophelia for explanations. The Gardners grew up in Depression-era 1928 in Little Rock, Arkansas. – Trials of Poverty and Racism. Mainly steel mills and foundries and carmakers employed blacks. Also known as â€Å"Blue-collar jobs†. Almost everyone had family members with the employees. The families always â€Å"stuck together†. Now Chris’ family live in Milwaukee. Chapter 2 †¢Chris’ goal was to get Freddie, his mom’s boyfriend to like him. Chris’ mother wanted to be a teacher in Wisconsin, but Chris’ mom was a domesticated worker – cleaned rich (white) people’s houses. Ophelia has a different dad, Sam Salter, who is a high school teacher. Sam would give Ophelia 2 dollars, Chris 1 dollar. Freddie is complete opposite from Sam. Freddie is violent. Chris promised he wouldn’t be like Freddie. Chris wants Sam to be his dad. Freddie attempted to kill Chris’ mom multiple times. Chris’ mom rented an apartment close by, but faces eviction. Chapter 3 †¢Chris’ Mother is missing. Chris living with Uncle Willie and Aunt Ella Mae. Strict household. Chris saw his mother at a funeral (uncle henry) with prison guard next to her, Ophelia was sent away living in a detention home. Uncle Henry was is idol. Uncle Henry said to him â€Å"Here it is, Chris, the world is your oyster. It’s up to you to find the pearls† â€Å"live large†. Taught him how to swim, happiness when with him. Chris’ mother is in prison because Freddie accused her of burning down the house with Freddie in it. Chris also saw his sisters again at funeral. At end of chapter, Chris is reunited with his mom Chapter 4 †¢1968 Great awakening. Chris and his schoolmates went to a different school. Chris aspired to be an actor. Chris got a part time job helping an old lady. Problems with Freddie arises, prompting Ophelia to move away Chapter 5 †¢Chris tries to hustle people, at the end of hustling; Chris ends up getting raped by a man. Chris attempted to kill Freddie by accidently slipping the refrigerator having it fall on Freddie. Freddie is back to his normal self, threatening them. Chris got a job as a dishwasher at Nino’ steakhouse. Waiters stiffed him with tips. Then Ophelia got him a job as an orderly at Heartside Nursing home. Then Chris’ Uncle Archie helped him get a job at Inland Steel. Later, Chris enlists into the Navy. Part 2 Chris got stationed in Orlando. Assigned to work in the General Surgical Ward with Lieutenant Commander Charlotte Gannon. Everyone respected him and asked for him in the navy when they were wounded. Finds out his father is Thomas Turner. He takes a job with Dr. Elllis in research lab at UC Medical Center and VA Hospital $7500 a year Chapter 7 †¢He is in SF. He began training interns on how to handle instruments. Still experiences racism. Chris keeps getting increases in salary, though sf is a costly place to live. Got married to Sherry his first love June 18, 1977. Cheats on Sherry, but doesn’t tell Sherry. Decides not to be a doctor because of what he was told by Dr. Ellis Chapter 8 †¢Chris had an affair with a girl named Jackie. Broke up with Sherry for Jackie. Christopher Jarrett the 2nd was born Jan 28 1981. His salary couldn’t support him, son, and Jackie. Jackie accused him of not being able to be a father because he never had a father. Jackie takes Chris Jr. from him but Chris fights for him. Chris is becoming a great father to Chris Jr. Chris gets a job earning 30,000 a year as a sales rep for CMS. Things were going well. He met his siblings that he didn’t know about in Louisiana. Chapter 9 Learning selling strategies to earn more money. Saw Bob Bridges, stockbroker, Chris asked him what he does and how he does it. Looked into stocks. Falsely led into thinking he could be a stockbroker – interviewed with companies, NO. Kept getting parking tickets. Came down to not having education even with him having experience. Interviewed at E. F. Hutton, went to training, didn’t get it. Has no money, no severance, because he quit his job at CMS. Turns out the guy who said he’d give Chris a job got fired. Therefore he left a job for a job that does exist. Started working odd jobs. Police are there to arrest him for domestic violence. Saying Jackie was beaten, He is in jail. When he sees the judge he says chris owes 1200 and chris says he can’t pay it. After he was out he can’t find his son, or Jackie Chapter 10 †¢Gets an opportunity to work for Dean Witter in a firm agency 1000/month in training program. Slept at work, alternates outfits. Starts to look for Chris Jr. Passed test at training. Encounters obstacles. Gets Chris Jr. back without Jackie in picture. Completely homeless now. Starts looking around for a place to stay. Talked to a reverend and asked for help. Found a way to make money by saying â€Å" he lost his money in a vending machine that sells cigarettes†. Slept in bathroom in Oakland. Finds a place to rent Chapter 11 †¢His friends started to help him out with anything he needs. The job that he is at, is starting to do well. Starts to earn a little bit more. Things are starting to look better Chapter 12 †¢Even though he was netting 200 calls a day, the business would end up going to a white guy â€Å"with more experience†. Left job at Dean Witter, Started working for Bear. Bear was a better job place for Chris, better opportunities. Chris was able to build a relationship with a client and ultimately solely on his accounts he made 200,000 a year. Client was J. R. Chris moved to New York, bought Michael Jordan’s Ferrari. He had a baby girl by Jackie; Jacintha is the baby girl’s name. J. R. , Chris’ biggest client passed away. Settled for 60000 in commission. Chris gets fired for only making 25000 in 2 months with a client. Chris opens up a shop in Chicago. Decided to manage money for Black people (black celebrities). Had the support of Ace Greenberg. W. J. Kennedy the third decided to help him out and invest in his dream. W. J. Kennedy the third is the Chairman of the North Carolina Mutual Life Insurance Company. Chris owns Gardner Rich Company, everyone trusts him, he is now living his dream.