Nick kwas portfolio

NICK KWASIBORSKICareer Portfolio

Northwood University

Table of Contents• Introduction…………………………………..Slide 3• Goals………………………………………….Slide 4• Resume……………………………………….Slide 5• Recommendation Letter………………….....Slide 6• Samples of Work……………………………..Slide 7 – 11• Awards…………………………………………Slide 12

Introduction• This portfolio is a representation of the work I have done

throughout my college career

• I have been pursuing a major in finance over the past four years at Northwood University.

Goals• Find a career with a reputable company that fosters

growth from within

• Continuously educate myself in the field of finance and stay current with news in the business world

• Continually gain responsibilities within the company I work at and gradually earn promotions to help make the company I work for more profitable.

Resume• Nick Kwasiborski• (248) 762-8724 ▪ [email protected]• School Address (Thru 5/10/12): 5220 Hedgewood Dr., Apt. 301 | Midland, MI 48640• Permanent Address: 202 Dustin Lane | Ortonville, MI 48462• • EDUCATION • Northwood University – Midland MI • Bachelor of Business Administration – Finance May 2014 • Cumulative GPA: 3.77/4.00 • Scholarship: Northwood University Freedom Scholarship awarded on academic merit• • Financing over 80% of education through work, scholarships and loans• • PROFESSIONAL ASSOCIATIONS• Northwood University Finance Association 2010 – Present• • Business Professionals of America (BPA) 2009 – Present• 2012 & 2013 State Champion – Small business management• • LICENSE• State of Michigan Life, Health and Accident License December 2011 – Present • • PROFESSIONAL EXPERIENCE • Administrative Assistant• Alden B. Dow Center for Creativity and Enterprise – Midland, MI August 2012 – Present • Manage and maintain annual Family Business Survey that is administered to freshman on three residential campuses (FL, MI and TX); adopted questions for survey, distribute, collect and record feedback in MS Excel spreadsheet, and report findings to

the Director• Assume lead on research and specialty projects administered by Director on behalf of Northwood University and affiliates • Effectively manage time while balancing work with full-time college courses, leadership and volunteer activities while maintaining a strong GPA• • Financial Representative Intern • Northwestern Mutual – Grand Blanc, MI December 2011 – December 2012 • Completed training and earned State of Michigan Life, Health and Accident License which authorized me to sell a variety of insurance products • Demonstrated professionalism with strong communication, interpersonal and sales skills to conduct calls within my “warm” market to generate business opportunities• § Collaborated effectively with mentors, colleagues and prospective clients• • Entrepreneurial Development Internship • Student Painters – Macomb, MI Summer 2011 • Controlled all aspects of starting up and running my own painting business and grossed • $40,000 within 3 months of employment• Conducted interviews, hired and trained 10 student workers to assist on client projects• Supervised each project and handled any reprimands or terminations deemed necessary • with team members • Communicated effectively to employees and customers• • LEADERSHIP • Kappa Sigma Fraternity 2010 – Present • § Founding Father of the Northwood University Kappa Sigma Chapter• • VOLUNTEER • Camp Centar (Children’s Cancer Camp), Relay for Life, Circle K, American Red Cross

Recommendation Letter• January 18, 2013• • Regarding: Internship • Mr. Nicholas Kwasiborski • • To Whom It May Concern: • Nicholas Kwasiborski is applying for the position of intern within your company. Nick is a shining

example of a competent and efficient finance student at Northwood University, Midland, Michigan. He completes his assignments on time and attends any activity that Northwood University offers in respect to guest speakers, and willingly tackles any extra credit activity on campus. He is a very analytical person which is ideal in a finance environment. He will prove to be an asset to your company. Nick works well in a team environment and will encourage his team towards excellence.

• I strongly recommend this candidate for the internship position; please contact me directly for further discussion.

• Dr. Diana Webb• Diana Webb, Ph.D.• Associate Professor of Finance• Northwood University• [email protected]• [email protected]

mailto:[email protected]

mailto:[email protected]

Samples of Work

Company TickerStarting Price # of Shares Final Value % of Total Dividend Yield Dividend

Dividends Reinvested # of Stocks

Dividend Reinvested Stock Price Current Price Current Value Total Gain % Gain

Value with Reinvested Dividends

New # of Shares

Hewlett-Packard HPQ $ 16.36 611

$ 9,995.96 10.00%

$ 0.53

$ 323.83 18.48

$ 23.79 $14,535.69 $4,539.73 45.42%

$ 14,975.33

$ 629.48

AT&T T $ 34.78 287

$ 9,981.86 9.98%

$ 1.80

$ 516.60 #DIV/0!

$ 36.67 $10,525.67 $543.81 5.45% #DIV/0! #DIV/0!

Johnson & Johnson JNJ $ 74.49 134

$ 9,981.66 9.98%

$ 2.44

$ 326.96 #DIV/0!

$ 81.55 $10,927.70 $946.04 9.48% #DIV/0! #DIV/0!

Verizon VZ $ 43.81 228

$ 9,988.68 9.99%

$ 2.06

$ 469.68 #DIV/0!

$ 48.97 $11,165.73 $1,177.05 11.78% #DIV/0! #DIV/0!

General Electric GE $ 22.42 450

$ 10,089.00 10.09%

$ 0.76

$ 342.00 #DIV/0!

$ 23.14 $10,413.00 $324.00 3.21% #DIV/0! #DIV/0!

Mcdonald's MCD $ 94.72 106

$ 10,040.32 10.04%

$ 3.08

$ 326.48 #DIV/0!

$ 99.61 $10,558.66 $518.34 5.16% #DIV/0! #DIV/0!

DuPoint DD $ 47.70 209

$ 9,969.30 9.97%

$ 1.72

$ 359.48 #DIV/0!

$ 49.12 $10,266.08 $296.78 2.98% #DIV/0! #DIV/0!

Intel INTC $ 21.31 468

$ 9,973.08 9.97%

$ 0.90

$ 421.20 #DIV/0!

$ 21.83 $10,216.44 $243.36 2.44% #DIV/0! #DIV/0!

Pfizer Inc. PFE $ 27.65 361

$ 9,981.65 9.98%

$ 0.96

$ 346.56 #DIV/0!

$ 28.85 $10,414.02 $432.37 4.33% #DIV/0! #DIV/0!

Merck MRK $ 43.66 229

$ 9,998.14 10.00%

$ 1.72

$ 393.88 #DIV/0!

$ 44.05 $10,087.45 $89.31 0.89% #DIV/0! #DIV/0!

$ 99,999.65

$ 3,826.67 $109,110.44 $9,110.79 #DIV/0!

Quarterly Dividend

$ 956.67

Total Gain $9,110.79 9.11%

Company Earnings DateHPQ 2/21/2013T 4/23/2013jnjvz 4/18/2013ge 4/19/2013mcdddintc 4/16/2013pfemrk

Samples of WorkDiscount Rate 12.00%Growth rate 3.00%Req. Return 12.00%

NOI PV of NOI Reversion ValuePV of Reversion

ValueTotal PV's

1 $

1,000,000.00 $892,857.14 $892,857.14

2 $

1,000,000.00 $797,193.88 $797,193.88

3 $

1,000,000.00 $711,780.25 $711,780.25

4 $

1,200,000.00 $762,621.69 $762,621.69

5 $

1,250,000.00 $709,283.57 $709,283.57

6 $

1,300,000.00 $658,620.46 $658,620.46

7 $

1,339,000.00 $605,695.60

$ 15,324,111.11

$6,931,849.64 $7,537,545.24

8 $

1,379,170.00

Total Value $12,069,902.23

Terminal Cap Rate 9.00%

Going In Cap Rate 8.29%

Samples of Work

Company Ticker Starting Price # of Shares Final Value % of Total Beta Weighted Beta Ticker Current Price Current Value Total Gain % Gain

Questar STR $ 23.46 341.0059676

$ 8,000.00 8% 0.46 0.04 STR

$ 24.25 $8,269.39 $269.39 3.37%

Harbor Bond HABDX $ 12.54 1754.385965

$ 22,000.00 22% 0.7 0.15 HABDX

$ 12.57 $22,052.63 $52.63 0.24%

Harbor Real Return HARRX $ 11.15 1793.721973

$ 20,000.00 20% 1.18 0.24 HARRX

$ 11.18 $20,053.81 $53.81 0.27%

T. Rowe Price Short Term Bond PRWBX $ 4.84 2066.115702

$ 10,000.00 10% 0.18 0.02 PRWBX

$ 4.84 $10,000.00 $0.00 0.00%

Harbor Commodity Real Return HACMX $ 6.99 715.3075823

$ 5,000.00 5% 1.02 0.05 HACMX

$ 7.18 $5,135.91 $135.91 2.72%

Dodge and Cox Stock DODGX $ 131.55 38.00836184

$ 5,000.00 5% 1.16 0.06 DODGX

$ 134.75 $5,121.63 $121.63 2.43%

Drefus Appreciation DGAGX $ 46.18 108.2719792

$ 5,000.00 5% 0.87 0.04 DGAGX

$ 47.08 $5,097.44 $97.44 1.95%

Harbor International HAINX $ 63.47 78.77737514

$ 5,000.00 5% 1.04 0.05 HAINX

$ 63.02 $4,964.55 $35.45 -0.71%

Loomis Sayles Bond LSBRX $ 15.14 330.2509908

$ 5,000.00 5% -0.21 -0.01 LSBRX

$ 15.22 $5,026.42 $26.42 0.53%

Royce Total Return RYTRX $ 14.64 341.5300546

$ 5,000.00 5% 1 0.05 RYTRX

$ 15.00 $5,122.95 $122.95 2.46%

Vanguard GNMA VFIIX $ 10.87 459.9816007

$ 5,000.00 5% 0.66 0.03 VFIIX

$ 10.85 $4,990.80 $9.20 -0.18%

Vanguard Total Stock Market Index VTSMX $ 38.32 130.480167

$ 5,000.00 5% 1.04 0.05 VTSMX

$ 39.24 $5,120.04 $120.04 2.40%

$ 100,000.00 $100,955.58 $955.58

Total Gain $955.58 0.96%

Samples of Work

Penetration Rate MI Penetration Rate

Year 1 1.50% 0.50%

Year 2 3.50% 1.00%

Year 3 6.00% 1.75%

Year 4 7.25% 2.75%

year 5 8.00% 3.50%

Households with Propane Outside of Michigan

13,449,000 Michigan Users

891,000.00

Units MI Profit MI Units Profit

Market Volume year 1 13,365.00

$ 64,152.00

67,245.00

$ 322,776.00


$ 149,688.00

134,490.00

$ 645,552.00


$ 256,608.00

235,357.50

$ 1,129,716.00


$ 310,068.00

369,847.50

$ 1,775,268.00


$ 342,144.00

470,715.00

$ 2,259,432.00

Total Units Total Profit Total Revenue


$ 386,928.00

$ 1,676,688.00


$ 795,240.00

$ 3,446,040.00


$ 1,386,324.00

$ 6,007,404.00


$ 2,085,336.00

$ 9,036,456.00


$ 2,601,576.00

$ 11,273,496.00

Samples of Work• Nick Kwasiborski• Development of Economic Thought• Test #1• Question 1: Plato and Aristotle held significantly different views on the nature and role of private

property in society. Explain their conflicting views, and how it related to their conception of human nature.

• • Plato and Aristotle’s view on the nature and role of private property in society differed from each

other. Plato believed that there existed a hierarchy of values which was the soul, the body, and wealth, in that order. That means that material wealth and private property were something that Plato did not believe in. Plato believed that private property would then tempt man to pursue, what he believed was the lowest value to man, wealth. Plato believed that people should live together in a common area and would share everything and be equal to one another. Basically a socialistic society is what Plato envisioned to be the best for man.

• Aristotle on the other hand differed from Plato. Aristotle thought that man possesses a human nature that can’t be molded to conform to an ideal of a perfect state populated by perfect people the way his teacher, Plato, believed. Aristotle argued that if all land was held in common and all work was performed jointly there existed the potential for animosity and anger among the participants. Men would then feel that they have not received what was theirs when work and reward was not strictly enforced, the way it is with private property. Aristotle saw property rights as an incentive. With the ownership of private property people will then feel that they will get to keep the fruits of their labor, which breeds production. Aristotle also believed that private property also would lead to an attitude of generosity towards others.

Awards