Career PortfolioTravis Richard

Northwood UniversityBachelor’s of Business Administration (Expected 2015)

Finance Major

Table of ContentsIntroduction……………………………...Slide 3Goals…………………………………….......Slide 4Résumé…………………………………......Slide 5Reference List…………………………....Slide 6Awards & Accomplishments………Slide 7Work Samples

Finance Spreadsheet…………………..Slide 8Ethics Essay…………………………….....Slide 9

IntroductionI have created this presentation to highlight

some of my greatest work and talents obtained throughout my years at Northwood University.

Currently in my senior year, my focus has been to achieve my Bachelor’s of Business Administration with a major in finance.

GoalsWithin one year, my goal is to finish my college career

in May and beginning my career in finance.I expect to remain fully focused and fully engaged in

market affairs while broadening my skillset as I progress further into the finance world.

I will use my skills to my greatest ability in order to achieve my utmost potential.

I plan to grow to be a large member of my community through volunteer work and donations to great causes.

Eventually use everything that I’ve learned to reach the ultimate goal of being a CEO of a Fortune 500 company.

Travis Richard 11814 Frost Road Freeland, MI 48623 │ 989-293-4708 │ richardt@northwood.edu

CAREER OBJECTIVE

Professional Position in Corporate Finance

EDUCATION

Pursuing Bachelor of Business Administration in Finance May 2015 (Expected) NORTHWOOD UNIVERSITY, Midland, Michigan GPA: 3.676/4.0 Scholarships: Northwood University Presidential Scholarship, Business Professionals of America, BAC Local 2 Financing 90% of education through work, scholarships, and financial aid

PROFESSIONAL SKILLS PROFILE

Two years of work experience in combination with strong academic training and credentials in: • Financial Analysis & Reporting • General Ledger & Cash Reconciliation • Accounts Payable & Accounts Receivable • Corporate Banking & Asset Leasing • Cash Handling • Microsoft Office Proficiency

• Economic & Demographic Analysis • Budget & Cost Analysis • Project & Team Leadership • Communication & Customer Relations • Sales & Cross-selling • Marketing & Management Techniques

EMPLOYMENT EXPERIENCE Sales Associate June 2014 – Present Sears Holding Corporation Midland, Michigan Part-time base plus commission sales position in the tools, lawn and garden, and sporting goods departments at one of the nation’s most widely known retail sales companies. Providing utmost customer support is essential, making certain each member walks away satisfied with the answers and products needed to help the members’ needs. Received two manager recognitions within first two weeks of hire. Never earned below perfect scores from member feedback surveys. Reached my personal daily sales goal over 95% of the time. Team Manager August 2014 – Present Northwood University, Women’s Volleyball Midland, Michigan Part-time permanent staff position in management for the women’s volleyball team for Northwood University. Assist in practice and matches to collect and record statistical data making certain to determine areas of strengths and weaknesses to allow coaching staff to address opportunities to improve weaknesses. Highlighted areas of weakness and where change was needed, helping to turn season around. Received manager recognition for excellent statistics and ideas to address change.

Clubhouse Office Manager July 2012 – June 2014 Twin Bridges Golf Course Merrill, Michigan Part-time permanent staff position with one of the region’s primal new golf courses. Instrumental in providing stellar customer support, guaranteeing each golfer values their round. Ensuring the clubhouse and course are in the utmost condition. Assure all customers and employees appreciate their experience. • Recruited 27 new golfers to make Twin Bridges Golf Course their home course. • President of the Friday night scramble golf league for 2 years. • Earned a promotion within first two weeks of hire and a second promotion after one year for excellent

work ethic and reliability.

Résumé

References for Travis Richard

11814 Frost Road Freeland, MI 48623

(989) 781-2554 travisrichard014@yahoo.com

Mr. Walter Kramer, Volunteer Leader 352 N. Maple Street Hemlock, MI 48626 (989) 642-8092 Mr. Ronald Kunold, Coach 1058 Richland E Hemlock, MI 48626 (989) 642-8815 Mr. Dennis Witherspoon, Finance Professor Northwood University 4000 Whiting Street Midland, MI 48640 (989) 837-4827

Awards & AccomplishmentsDean’s List – 4 SemestersPresident’s List – 1 SemesterCommunity Service Award LetterNorthwood Presidential ScholarshipBusiness Professionals of America

ScholarshipBAC Local 2 Scholarship2nd place State, 9th place National for

Business Professionals of America’s Small Business Management Team

Finance Excel ProjectBefore Tax Cash Flows

0 1 2 3 4 5 6Equity (2,820,579.19)$ -$ BTCF Operations (1,006,501.54)$ 253,841.02$ 408,228.96$ 570,969.13$ 742,517.10$ BTCF Sale 6,399,243.47$ Total (2,820,579.19)$ -$ (1,006,501.54)$ 253,841.02$ 408,228.96$ 570,969.13$ 7,141,760.56$

Taxable Income Net Operating Income 668,850.00$ 1,929,192.56$ 2,083,580.51$ 2,246,320.67$ 2,417,868.64$ Less: Interest 1,512,796.68$ 1,492,180.65$ 1,468,950.00$ 1,442,773.12$ 1,413,276.35$ DepreciationCapital Improvements 362,272.50$ 362,272.50$ 362,272.50$ 362,272.50$ 362,272.50$ Tenant Improvements 362,272.50$ 258,766.07$ 184,832.91$ 132,023.51$ 94,302.50$ AmortizationConstruction Loan Fee 253,590.75$ -$ -$ -$ -$ -$ Permanent Loan Fee 31,698.84$ 31,698.84$ 31,698.84$ 31,698.84$ 31,698.84$ Taxable Income (253,590.75)$ (1,600,190.52)$ (215,725.50)$ 35,826.26$ 277,552.71$ 516,318.44$ Tax (71,005.41)$ (448,053.35)$ (60,403.14)$ 10,031.35$ 77,714.76$ 144,569.16$

After Tax Cash FlowsTotal BTCF (2,820,579.19)$ -$ (1,006,501.54)$ 253,841.02$ 408,228.96$ 570,969.13$ 7,141,760.56$ Less: Tax (71,005.41)$ (448,053.35)$ (60,403.14)$ 10,031.35$ 77,714.76$ 1,765,077.09$ ATCF (2,820,579.19)$ 71,005.41$ (558,448.20)$ 314,244.16$ 398,197.61$ 493,254.37$ 5,376,683.47$

Required Rate of Return 16.00%BTIRR 16.14%BTNPV 22,638.77$ BTNPVATIRR 13.77%

Ethics of Abortion EssayEthics of Abortion

For more than three decades, Americans have been deeply polarized over the

issue of abortion. While the debate on abortion involves secularists as well as people

of every religious tradition, the issue has become largely fought over among

Christians because of strong views on both sides. Generally, the debate has been

cast in terms of “pro-life” views and “pro-choice” views, but it is clearly a much more

complex issue for Christians.

The legality of abortion was confirmed in 1973 when the United States

Supreme Court struck down a Texas statute that prohibited abortion procedures, no

matter how medically urgent they might be. This decision, commonly referred to

as Roe v. Wade, is the most important legal milestone in the debate. In its decision,

the Court acknowledged that it cannot rule as to when life begins, since even those

in medicine, theology, and philosophy have no consensus on this matter.

Christian pro-life advocates insist that all human life is sacred and that

human life begins at the moment of conception. From the point of view of pro-life

Christians, America’s aborted fetuses are unborn babies who are killed through the

process. As Pope J ohn Paul I I stated it, “The legalization of the termination of

pregnancy is none other than the authorization given to an adult, with the approval

of an established law, to take the lives of children yet unborn and thus incapable of

defending themselves” (Paul, 1994). The most vocal opposition to abortion has come

from the Roman Catholic Church and from evangelical Christians, including

activist groups such as Operation Rescue. The presumption is that there should be

ConnectionsPlease feel free to connect with me on

LinkedIn as well.Thank you for reviewing.