Chapter 14 Theory of Financial Structure
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Chapter 14 Theory of Financial Structure

Course Number: FIN 4303, Spring 2012

College/University: FIU

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Chapter 14 Theory of Financial Structure 14.1 Multiple Choice Questions 1) Of the following sources of external finance for American nonfinancial businesses, the least important is A) loans from banks. B) stocks. C) bonds and commercial paper. D) loans from other financial intermediaries. Answer: B 2) Of the following sources of external finance for American nonfinancial businesses, the most important is A) loans...

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14 Chapter Theory of Financial Structure 14.1 Multiple Choice Questions 1) Of the following sources of external finance for American nonfinancial businesses, the least important is A) loans from banks. B) stocks. C) bonds and commercial paper. D) loans from other financial intermediaries. Register to View Answer2) Of the following sources of external finance for American nonfinancial businesses, the most important is A) loans from banks. B) stocks. C) bonds and commercial paper. D) loans from other financial intermediaries. Register to View Answer3) Of the sources of external funds for nonfinancial businesses in the United States, corporate bonds and commercial paper account for approximately _____ of the total. A) 35 percent B) 10 percent C) 50 percent D) 5 percent Register to View Answer4) Of the sources of external funds for nonfinancial businesses in the United States, stocks account for approximately _____ of the total. A) 10 percent B) 20 percent C) 30 percent D) 40 percent Register to View Answer188 5) With regard to external sources of financing for nonfinancial businesses in the United States, which of the following are accurate statements? A) Marketable securities account for a larger share of external business financing in the United States than in most other countries. B) Since 1970, less than 5 percent of newly issued corporate bonds and commercial paper have been sold directly to American households. C) The stock market accounted for a sizeable fraction of the financing of American businesses in the 1970-1996 period. D) All of the above. E) Only (A) and (B) of the above. Register to View Answer6) With regard to external sources of financing for nonfinancial businesses in the United States, which of the following are accurate statements? A) Direct finance is used in less than 5 percent of the external financing of American businesses. B) Only large, well-established corporations have access to securities markets to finance their activities. C) Bank loans in the United States provide four times more financing of corporate activities than do stock markets. D) All of the above. E) Only (A) and (B) of the above. Register to View Answer7) (I) In the United States bank loans are the most important source of external funds for nonfinancial businesses. (II) In Germany and Japan, issuing stocks and bonds is the most important source of external for nonfinancial businesses. A) (I) is true, (II) false. B) (I) is false, (II) true. C) Both are true. D) Both are false. Register to View Answer8) Which of the following is not one of the eight basic facts about financial structure? A) Debt contracts are typically extremely complicated legal documents that place substantial restrictions on the behavior of the borrower. B) Indirect finance, which involves the activities of financial intermediaries, is many times more important than direct finance, in which businesses raise funds directly from lenders in financial markets. C) Collateral is a prevalent feature of debt contracts for both households and business. D) New security issues are the most important source of external funds to finance businesses. Register to View Answer189 9) Which of the following is not one of the eight basic facts about financial structure? A) The financial system is among the most heavily regulated sectors of the economy. B) Issuing marketable securities is the primary way businesses finance their operations. C) Indirect finance, which involves the activities of financial intermediaries, is many times more important than direct finance, in which businesses raise funds directly from lenders in financial markets. D) Banks are the most important source of external funds to finance businesses. Register to View Answer10) Because information is scarce, A) equity contracts are used much more frequently to raise capital than are debt contracts. B) monitoring managers gives rise to costly state verification. C) government regulations, such as standard accounting principles, can help reduce moral hazard. D) all of the above are true. E) only (B) and (C) of the above are true. Register to View Answer11) Which of the following best explains the recent decline in the role of financial intermediaries? A) Private production and sale of information B) Government regulation to increase information C) Improvements in information technology D) None of the above can explain the recent decline Register to View Answer12) If bad credit risks are the ones who most actively seek loans and, therefore, receive them from financial intermediaries, then financial intermediaries face the problem of A) moral hazard. B) adverse selection. C) free-riding. D) costly state verification. Register to View Answer13) If borrowers take on big risks after obtaining a loan, then lenders face the problem of A) moral hazard. B) free-riding. C) adverse selection. D) costly state verification. Register to View Answer190 14) Because of the lemons problem in the used car market, the average quality of the used cars offered for sale will be ______, which gives rise to the problem of ______. A) low; moral hazard B) low; adverse selection C) high; moral hazard D) high; adverse selection Register to View Answer15) In the used car market, asymmetric information leads to the lemons problem because the price that buyers are willing to pay will A) reflect the highest quality of used cars in the market. B) reflect the lowest quality of used cars in the market. C) reflect the average quality of used cars in the market. D) none of the above. Register to View Answer 16) The problem created by asymmetric information before the transaction occurs is called _____, while the problem created after the transaction occurs is called _____ A) adverse selection; moral hazard. B) moral hazard; adverse selection. C) costly state verification; free-riding. D) free-riding; costly state verification. Register to View Answer17) A borrower who takes out a loan usually has better information about the potential returns and risk of the investment projects he plans to undertake than does the lender. This inequality of information is called A) moral hazard. B) asymmetric information. C) noncollateralized risk. D) adverse selection. Register to View Answer18) Adverse selection is a problem associated with equity and debt contracts arising from A) the lenders relative lack of information about the borrowers potential returns and risks of his investment activities. B) the lenders inability to legally require sufficient collateral to cover a 100 percent loss if the borrower defaults. C) the borrowers lack of incentive to seek a loan for highly risky investments. D) none of the above. Register to View Answer191 19) Moral hazard is a problem associated with debt and equity contracts arising from A) the borrowers incentive to take highly risky investments. B) the owners inability to ensure that managers will act in the owners interest. C) the difficulty lenders have in sorting out good credit risks from bad credit risks. D) all of the above. E) only (A) and (B) of the above. Register to View Answer20) Because of the adverse selection problem, A) lenders may make a disproportionate amount of loans to bad credit risks. B) lenders may refuse loans to individuals with low net worth. C) lenders are reluctant to make loans that are not secured by collateral. D) all of the above. Register to View Answer21) Because of the adverse selection problem, A) good credit risks are more likely to seek loans, causing lenders to make a disproportionate amount of loans to good credit risks. B) lenders may refuse loans to individuals with high net worth, because of their greater proclivity to skip town. C) lenders are reluctant to make loans that are not secured by collateral. D) all of the above. Register to View Answer22) The problem of adverse selection helps to explain A) why banks prefer to make loans secured by collateral. B) why banks have a comparative advantage in raising funds for American businesses. C) why borrowers are willing to offer collateral to secure their promises to repay loans. D) all of the above. E) only (A) and (B) of the above. Register to View Answer23) The problem of adverse selection helps to explain A) which firms are more likely to obtain funds from banks and other financial intermediaries, rather than from securities markets. B) why collateral is an important feature of consumer, but not business, debt contracts. C) why direct finance is more important than indirect finance as a source of business finance. D) only (A) and (B) of the above. Register to View Answer192 24) The concept of adverse selection helps to explain A) why collateral is not a common feature of many debt contracts. B) why large, well-established corporations find it so difficult to borrow funds in securities markets. C) why financial markets are among the most heavily regulated sectors of the economy. D) all of the above. Register to View Answer25) That most used cars are sold by intermediaries (i.e., used car dealers) provides evidence that these intermediaries A) have been afforded special government treatment, since used car dealers do not provide information that is valued by consumers of used cars. B) are able to prevent potential competitors from free-riding off the information that they provide. C) have failed to solve adverse selection problems in this market because lemons continue to be traded. D) do all of the above. Register to View Answer26) That most used cars are sold by intermediaries (i.e., used car dealers) provides evidence that these intermediaries A) provide information that is valued by consumers of used cars. B) are able to prevent others from free-riding off the information that they provide. C) can profit by becoming experts in determining whether an automobile is a good car or a lemon. D) do all of the above. Register to View Answer27) A key finding of the economic analysis of financial structure is that A) the existence of the free-rider problem for traded securities helps to explain why banks play a predominant role in financing the activities of businesses. B) while free-rider problems limit the extent to which securities markets finance some business activities, nevertheless the majority of funds going to businesses are channeled through securities markets. C) given the great extent to which securities markets are regulated, free-rider problems are not of significant economic consequence in these markets. D) economists do not have a very good explanation for why securities markets are so heavily regulated. Register to View Answer193 28) In the United States, the government agency requiring that firms, which sell securities in public markets, adhere to standard accounting principles and disclose information about their sales, assets, and earnings is the A) Federal Communications Commission. B) Federal Trade Commission. C) Securities and Exchange Commission. D) U.S. Treasury Department. E) Federal Reserve System. Register to View Answer29) The authors analysis of adverse selection indicates that financial intermediaries in general, and banks in particular because they hold a large fraction of non-traded loans, A) have advantages in overcoming the free-rider problem, helping to explain why indirect finance is a more important source of business finance than is direct finance. B) play a greater role in moving funds to corporations than do securities markets as a result of their ability to overcome the free-rider problem. C) provide better-known and larger corporations a higher percentage of their external funds than they do to newer and smaller corporations, which rely to a greater extent on the new issues market for funds. D) all of the above. E) only (A) and (B) of the above. Register to View Answer30) The authors analysis of adverse selection indicates that financial intermediaries A) overcome free-rider problems by holding non-traded loans. B) must buy securities from corporations to diversify the risk that results from holding non-tradable loans. C) have not been very successful in dealing with adverse selection problems in financial markets. D) do all of the above. E) do only (A) and (B) of the above. Register to View Answer31) Financial intermediaries and, particularly, banks have the ability to avoid the freerider problem as long as they primarily A) make private loans. B) acquire a diversified portfolio of stocks. C) buy junk bonds. D) do a balanced combination of (A) and (B) of the above. Register to View Answer194 32) Property that is pledged to the lender in the event that a borrower cannot make his or her debt payment is called A) collateral. B) points. C) interest. D) good faith money. Register to View Answer33) Collateral is A) property that is pledged to the lender if a borrower cannot make his or her debt payments. B) a prevalent feature of debt contracts for households. C) a prevalent feature of debt contracts for business. D) all of the above. E) only (A) and (C) of the above. Register to View Answer34) The majority of household debt in the United States consists of A) credit card debt. B) consumer installment debt. C) collateralized loans. D) unsecured loans, such as student loans. Register to View Answer35) Commercial and farm mortgages, in which property is pledged as collateral, account for A) one-quarter borrowing of by nonfinancial businesses. B) one-half of borrowing by nonfinancial businesses. C) one-twentieth of borrowing by nonfinancial businesses. D) two-thirds of borrowing by nonfinancial businesses. Register to View Answer36) Because of the moral hazard problem, A) lenders will write debt contracts that restrict certain activities of borrowers. B) lenders will more readily lend to borrowers with high net worth. C) debt contracts are used less frequently to raise capital than are equity contracts. D) all of the above. E) only (A) and (B) of the above. Register to View Answer195 37) Moral hazard in equity contracts is known as the _____ problem because the manager of the firm has fewer incentives to maximize profits than the stockholders might ideally prefer. A) principal-agent B) adverse selection C) free-rider D) debt deflation Register to View Answer38) Because managers (_____) have less incentive to maximize profits than the stockholders-owners (_____) do, stockholders find it costly to monitor managers; thus, stockholders are reluctant to purchase equities. A) principals; agents B) principals; principals C) agents; agents D) agents; principals Register to View Answer39) The principal-agent problem A) occurs when managers have more incentive to maximize profits than the stockholders-owners do. B) would not arise if the owners of the firm had complete information about the activities of the managers. C) in financial markets helps to explain why equity is a relatively important source of finance for American business. D) all of the above. E) only (A) and (B) of the above. Register to View Answer40) Solutions to the moral hazard problem include A) high net worth. B) monitoring and enforcement of restrictive covenants. C) greater reliance on equity contracts and less on debt contracts. D) all of the above. E) only (A) and (B) of the above. Register to View Answer41) One financial intermediary in our financial structure that helps to reduce the moral hazard from arising from the principal-agent problem is the A) venture capital firm. B) money market mutual fund. C) pawn broker. D) savings and loan association. Register to View Answer196 42) A venture capital firm protects its equity investment from moral hazard through which of the following means? A) It places people on the board of directors to better monitor the borrowing firms activities. B) It writes contracts that prohibit the sale of an equity investment to anyone but the venture capital firm. C) It prohibits the borrowing firm from replacing its management. D) It does both (A) and (B) of the above. E) It does both (A) and (C) of the above. Register to View Answer43) Debt contracts A) are agreements by the borrowers to pay the lenders fixed dollar amounts at periodic intervals. B) have an advantage over equity contracts in that they have a lower cost of state verification. C) are used much more frequently to raise capital than are equity contracts. D) all of the above. E) only (A) and (B) of the above. Register to View Answer44) Equity contracts account for a small fraction of external funds raised by American businesses because A) costly state verification makes the equity contract less desirable than the debt contract. B) of the greater scope for moral hazard problems under equity contracts, as compared to debt contracts. C) equity contracts do not permit borrowing firms to raise additional funds by issuing debt. D) of all of the above. E) of both (A) and (B) of the above. Register to View Answer45) A debt contract is said to be incentive compatible if A) the borrowers net worth reduces the probability of moral hazard. B) restrictive covenants limit the type of activities that can be undertaken by the borrower. C) both (A) and (B) of the above occur. D) neither (A) nor (B) of the above occur. Register to View Answer197 46) A debt contract is more likely to be incentive compatible if A) the company must follow standard accounting principles. B) the funds are provided by a venture capital firm. C) owners of the firm have more of their own money in the business. D) all of the above. E) only (B) and (C). Register to View Answer47) A clause in a mortgage loan contract requiring the borrower to purchase homeowners insurance is an example of A) a restrictive covenant. B) a collusive agreement between mortgage lenders and insurance companies. C) both (A) and (B) of the above. D) neither (A) and (B) of the above. Register to View Answer48) A debt contract that specifies that the company can only use the funds to finance certain activities A) is a private loan. B) contains a restrictive covenant. C) increases the problem of adverse selection. D) all of the above. E) only (A) and (B). Register to View Answer49) Which of the following are accurate statements concerning the role that restrictive covenants play in reducing moral hazard in financial markets? A) Covenants reduce moral hazard by restricting borrowers undesirable behavior. B) Covenants require that borrowers keep collateral in good condition. C) Covenants require periodic accounting statements and income reports. D) All of the above. E) Only (A) and (B) of the above. Register to View Answer50) Although restrictive covenants can potentially reduce moral hazard, a problem with restrictive covenants is that A) borrowers may find loopholes that make the covenants ineffective. B) they are costly to monitor and enforce. C) too many resources may be devoted to monitoring and enforcing them, as debtholders duplicate others monitoring and enforcement efforts. D) all of the above. E) only (A) and (B) of the above. Register to View Answer198 51) Governments in developing countries sometimes adopt policies that retard the efficient operation of their financial systems. These actions include policies that A) prevent lenders from foreclosing on borrowers with political clout. B) nationalize banks and direct credit to politically-favored borrowers. C) make it costly to collect payments and collateral from defaulting debtors. D) do all of the above. E) do only (A) and (B) of the above. Register to View Answer52) Financial crises A) are major disruptions in financial markets that are characterized by sharp declines in asset prices and the failures of many financial and nonfinancial firms. B) occur when adverse selection and moral hazard problems in financial markets become more significant. C) frequently lead to sharp contractions in economic activity. D) all of the above. E) only (A) and (B) of the above. Register to View Answer53) Financial crises A) cause failures of financial intermediaries and leave only securities markets to channel funds from savers to borrowers. B) are a recent phenomenon that occurs only in developing countries. C) invariably lead to debt deflation. D) all of the above. E) none of the above. Register to View Answer54) Factors that lead to worsening conditions in financial markets include A) increases in interest rates. B) declining stock prices. C) increasing uncertainty in financial markets. D) all of the above. E) only (A) and (B) of the above. Register to View Answer55) Factors that lead to worsening conditions in financial markets include A) declining interest rates. B) unanticipated increases in the price level. C) bank panics. D) only (A) and (C) of the above. E) only (B) and (C) of the above. Register to View Answer199 56) If the anatomy of a financial crisis is thought of as a sequence of events, which of the following events would be least likely to be the initiating cause of the financial crisis? A) Increase in interest rates B) Bank panic C) Stock market decline D) Increase in uncertainty Register to View Answer 57) An examination of past financial crises in the United States indicates that a bank panic has typically been A) the one key factor that initiates a financial crisis. B) a consequence of worsening conditions during a financial crisis. C) the result of declining interest rates that raised adverse selection problems. D) an event that is unrelated to episodes that have come to be recognized as financial panics. Register to View Answer58) Most financial crises in the United States have begun with A) a steep stock market decline. B) an increase in uncertainty resulting from the failure of a major firm. C) a steep decline in interest rates. D) all of the above. E) only (A) and (B) of the above. Register to View Answer59) Most financial crises in the United States have begun with A) a sharp rise in interest rates. B) a steep stock market decline. C) an increase in uncertainty resulting from the failure of a major firm. D) all of the above. E) only (A) and (B) of the above. Register to View Answer60) In addition to having a direct effect on increasing adverse selection problems, increases in interest rates also promote financial crises by _____ firms and households interest payments, thereby _____ their cash flow. A) increasing; increasing B) increasing; decreasing C) decreasing; increasing D) decreasing; decreasing Register to View Answer200 61) Deterioration in a firms balance sheet and a decline in net worth, which increases adverse selection and moral hazard problems, can be caused by A) a sharp drop in the price level. B) a sharp increase in uncertainty. C) a sharp depreciation of the domestic currency. D) all of the above. E) only (A) and (C). Register to View Answer62) Adverse selection and moral hazard problems increased in magnitude during the early years of the Great Depression as A) stock prices declined to 10 percent of their level in 1929. B) banks failed. C) the aggregate price level declined. D) a result of all of the above. E) a result of (A) and (B) of the above. Register to View Answer63) Adverse selection and moral hazard problems increased in magnitude during the early years of the Great Depression as A) stock prices declined to 10 percent of their level in 1929. B) banks failed. C) the aggregate price level rose. D) a result of all of the above. E) a result of (A) and (B) of the above. Register to View Answer64) Financial crises in the United States and Mexico A) were similar in being precipitated by an increase in interest rates abroad. B) were different because in Mexico speculative attacks in the foreign exchange market played a key role. C) were similar in being preceded by stock market declines. D) all of the above. E) only (A) and (C). Register to View Answer65) Stock market declines preceded a full blown financial crisis A) in the United States in 1987. B) in Thailand in 1997. C) in Indonesia in 1997. D) all of the above. E) only (B) and (C). Register to View Answer201 66) Which of the following factors led up to the Mexican financial crisis of 1994? A) Speculative attacks on the peso and a rise in actual and expected inflation. B) A rise in domestic interest rates and a deterioration of in bank balance sheets. C) A rise in foreign interest rates and domestic stock market declines. D) all of the above. E) only (B) and (C). Register to View Answer67) Institutional features of debt markets in Asia that propelled several countries into financial crisis include A) debt contracts with long duration. B) firms with debt denominated in U. S. dollars. C) governments that could not intervene to protect depositors. D) all of the above. E) only (A) and (C). Register to View Answer 14.2 True/False 1) American businesses get more funds from direct financing than from indirect financing. Register to View Answer2) American businesses use stock to finance about 10 percent of their external financing. Register to View Answer3) One reason why indirect financing is used is to minimize adverse selection problems. Register to View Answer4) Issuing marketable securities is the primary way businesses finance their operations. Register to View Answer5) Because of the adverse selection problem, lenders may refuse loans to individuals with low net worth. Register to View Answer6) The concept of adverse selection helps to explain why indirect finance is more important than direct finance as a source of business finance. Register to View Answer7) The problem of adverse selection helps to explain why direct finance is more important than indirect finance as a source of business finance. Register to View Answer202 8) The concept of adverse selection helps explain why collateral is an important feature of many debt contracts. Register to View Answer9) One way of describing the solution that high net worth provides to the moral hazard problem is to say that it makes debt contracts incentive compatible. Register to View Answer10) Factors that lead to worsening conditions in financial markets include increasing interest rates and unanticipated increases in the price level. Register to View Answer11) The principal-agent problem is an example of the adverse selection problem that can result from asymmetric information. Register to View Answer 14.3 Essay 1) Explain how the lemons problem could cause financial markets to fail. 2) Distinguish between adverse selection and moral hazard. 3) What facts about financial structure can be explained by adverse selection? 4) What facts about financial structure can be explained by moral hazard? 5) What factors usually cause an increase in moral hazard and adverse selection? 6) What is the principal-agent problem? 7) Describe the sequence of events in a financial crisis and explain why they can cause economic activity to decline? 203

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Chapter 6 Critical Thinking QuestionsShellie FinkEDU651 Collaboration and Learning in a Virtual EnvironmentDr. Cristie McClendonAshford UniversityWhat is micro-blogging? Is in reference to very short blog-like posts. Two place to findexamples of mic
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Critical Thinking Questions Chapters 1 4Critical Thinking Questions Chapters 1 4EDU651 Collaboration and Learning in a Virtual EnvironmentShellie FinkInstructor: Cristie McClendonCriticalThinkingQuestionsAfterreadingChapters14ofBlogs,Wikis,Podcastsa
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Sight WordsTopic Assignment Week 6 Sight WordsShellie FinkEDU 652Dr. Rhia RobertsJanuary 23, 2012AbstractWords can be exciting and fun! When you are in kindergarten and learning lettersmake sounds, they are not just symbols, and those sounds make
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Ratios and PercentagesDo-Type ActivityShellie FinkEDU652 Instructional Designand DeliveryDr. Rhiannon RobertsDecember 19, 2011Do-Type ActivitiesDoactivities transform informationinto knowledge and skills. In doactivities, learners discover, par
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E-Learning and Design ConceptsPresenting E-learning and Design ConceptsShellie FinkEDU 652Dr. Rhia RobertsDecember 5, 2011AbstractThis paper will define and describe e-learning design and instructional design. Itwill discuss design perspectives an
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Starfall.comStarfall.com Demonstration/Absorb ActivityShellie FinkEDU 652Dr. Rhia RobertsDecember 12, 2011AbstractThis YouTube video is a demonstration for using starfall.com to benefit children inreading. Starfall.com is a free public service to
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Critical Thinking QuestionsCritical Thinking Questions Chapters 1, 2, and 3 Week 1Shellie FinkEDU 656Keith PresseyJanuary 30, 2012AbstractCritical thinking questions and answers from chapters 1-3 of Trends and Issues inInstructional Design and Tec
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Critical Thinking QuestionsCritical Thinking Questions Chapters 4, 5, and 6 Week 2Shellie FinkEDU 656Dr. Keith PresseyFebruary 6, 2012AbstractCritical thinking questions and answers from chapters 4-6 of Trends and Issues inInstructional Design and
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Critical Thinking Questions Chapters 7, 8, and 9 Week 3Shellie FinkEDU 656Dr. Keith PresseyFebruary 13, 20121. Teachers are problem solvers, daily solving a variety of problems. Identify the kindsof problems classroom teachers must solve as part of
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Critical Thinking Questions: Week 3Read Chapters 7, 8, and 9 from Trends and Issues in Instructional Design and Technology. Youwill then complete two Critical Thinking Questions from each chapter. Your answers mustinclude at least two references in add
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Chapter 26 Getting an Instructional Design Position: Lessons from a Personal History1. What are the media production skills in highest demand for instructional designerstoday? The media production skills in highest demand for instructional designers tod
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Personalized LearningPersonalized LearningShellie FinkEDU 656Dr. Keith PresseyFebruary 27, 2012AbstractPersonalized learning focuses the students needs. This paper will focus on an analysis ofthe current system compared to a Personalized Learning
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Skinner believed that learning could be understood, explained, and predicted entirely onthe basis of observable events. Do you agree or disagree with this theory? Explain.I agree some things can be understood, explained, and predicted entirely on the ba
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Critical Thinking QuestionsCritical Thinking Questions Chapters 7, 8, and 9 Week 3Shellie FinkEDU 656Dr. Keith PresseyFebruary 13, 2012AbstractCritical thinking questions and answers from chapters 7-9 of Trends and Issues inInstructional Design an
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Critical Thinking QuestionsCritical Thinking Questions Chapters 10, 12, and 16 Week 4Shellie FinkEDU 656Dr. Keith PresseyFebruary 20, 2012AbstractCritical thinking questions and answers from chapters 10, 12 and 16 of Trends and Issuesin Instructio
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Personalized LearningPersonalized LearningShellie FinkEDU 656Dr. Keith PresseyFebruary 27, 2012AbstractPersonalized learning focuses the students needs. This paper will focus on an analysis ofthe current system compared to a Personalized Learning
Ashford University - EDU - 652
Personalized LearningPersonalized LearningShellie FinkEDU 656Dr. Keith PresseyFebruary 27, 2012AbstractPersonalized learning focuses the students needs. This paper will focus on an analysis ofthe current system compared to a Personalized Learning
Ashford University - EDU - 652
Chapter 17 Informal Learning1. Describe the synergies between Constructivist theory and web 2.0. Give someexamples of how web 2.0 support learning from a Constructivist's perspective.Web 2.0 supports learning from a Constructivists perspective through
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Given Medinas beliefs about multitasking and paying attention, will eBooks with all of thepowerful multimedia and interactivity be a distraction or contribute to richer learning andincreased engagement?I think eBooks will provide richer learning and en
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Future of E-learningFuture of E-LeraningShellie FinkEDU 656Dr. Keith PresseyMarch 5, 2012AbstractOur schools are outdated and it is time for change. This paper will discuss how learningmodels will change in the near future, the tools which will be
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Critical Thinking QuestionsCritical Thinking Questions Chapters 23 and 29 Week 6Shellie FinkEDU 656Dr. Keith PresseyMarch 5, 2012AbstractCritical thinking questions and answers from chapters 23 and 29 of Trends and Issues inInstructional Design an
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1. I have learned that the instructor of a course plays a crucial part in any course, be itonline or in a traditional setting. The instructors attitude and encouragement towards thestudents sets the tone for the entire class and learning environment. Fo
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Ratios and PercentagesRatios and PercentagesShellie FinkEDU 655Dr. Keith PresseyFebruary 6, 2012AbstractRatios and percentages are used daily in practical uses. This power pointpresentation will provide an activity for a 7 th grade class on ratios
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Implementing E-Learning SolutionsAssume that you have been hired to lead a team of instructional designers in the creation andimplementation of a large e-learning project. Many of the team members have never created elearning solutions. Based on your re
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Introducing the Virtual ClassroomAssume you have been hired as the Director of Just-In-Time Learning for a school districtor large corporation. You have decided that synchronous instruction within a virtualclassroom is the best way to present just-in-t
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Virtual ClassroomVirtual Classroom and Just-in-Time TrainingShellie FinkEDU 656Dr. Richelle McMillan - JohnsonMarch 12, 2012AbstractThis paper will describe a virtual classroom and its key components for Just-inTime training.Virtual ClassroomVirt
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Best PracticesBest Practices for Just-in-Time TeachingShellie FinkEDU 656Dr. Richelle McMillan - JohnsonMarch 19, 2012AbstractThis paper will describe best practices for Just-in-Time teaching within a virtualclassroom.Best PracticesBest Practice
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Reducing Cognitive OverloadReducing Cognitive Overload In a Virtual ClassroomShellie FinkEDU 656Dr. Richelle McMillan - JohnsonApril 2, 2012AbstractThis paper will describe best practices for Reducing Cognitive Overload in avirtual classroom.Redu
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Virtual Classroom and Just-in-Time Training (Script)Shellie FinkEDU 656Dr. Richelle McMillan - JohnsonApril 9, 20121. Introduction to training. Will appear on the whiteboard. (.25min)2. Description of synchronous e-learning. Synchronous e-learning i