FIN 402 Start With a Dream/newtonhelp.com

1
FIN 402 Start With a Dream/newtonhelp
2
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Fina Exam Guide
•  
• For more course tutorias visit
• www.newtonhep.com
•  
• FIN 402 Investment Fundamentas and Portfoio
  Management Fina Exam Guide
•  True/Fase
•  1.___  ___ The baance sheet shows what assets
  the firm contros at a point in time and how it
  financed the assets.

3
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 1 Assignment Capita Markets and
  Investment Banking Process Paper
•  
• For more course tutorias visit
• www.newtonhep.com
•  
•  FIN402 Week 1 Assignment Capita Markets and
  Investment Banking Process Paper

4
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 1 Assignment Case Probem 1.2
  Preparing Caroyn Bowens Investment Pan
•  
• For more course tutorias visit
• www.newtonhep.com
•  
• Case Probem 1.2 Preparing Caroyn Bowens
  Investment Pan
• Caroyn Bowen, who just turned 55, is empoyed as
  an administrative assistant for the Xcon
  Corporation, where she has worked for the past 20
  years. She is in good heath, ives aone, and has
  two grown chidren.

5
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 1 Assignment Case Probem 1.2, 2.1,
  2.2, 3.1, 12.1
•  
• For more course tutorias visit
• www.newtonhep.com
•  
• FIN 402 Week 1 Assignment Case Probem 1.2
  Preparing Caroyn Bowens Investment Pan
• FIN 402 Week 1 Assignment Case Probem 2.1 Daras
  Diemma What to Buy?

6
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 1 Assignment Case Probem 2.2 Ravi
  Dumars High-Fying Margin Account
•  
• For more course tutorias visit
• www.newtonhep.com
•  
• Case Probem 2.2 Ravi Dumars High-Fying Margin
  Account
• Ravi Dumar is a stockbroker who ives with his
  wife, Sasha, and their five chidren in Miwaukee,
  Wisconsin.

7
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 1 Assignment Case Probem 3.1 The
  Perezes Good Fortune
•  
• For more course tutorias visit
• www.newtonhep.com
•  
• Case Probem 3.1 The Perezes Good Fortune
• Ange and Marie Perez own a sma poo ha ocated in
  southern New Jersey.

8
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 1 Assignment Case Probem 12.1
  Reverend Mark Thomas Ponders Mutua Funds
•  
• For more course tutorias visit
• www.newtonhep.com
•  
•  
• Case Probem 12.1 Reverend Mark Thomas Ponders
  Mutua Funds
• The Reverend Mark Thomas is the minister of a
  church in the San Diego area.

9
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 1 AssignmentCase Probem 2.1Daras
  Diemma What to Buy?
•  
• For more course tutorias visit
• www.newtonhep.com
•  
• Case Probem 2.1Daras Diemma What to Buy?
• Dara Simmons, a 40-year-od financia anayst and
  divorced mother of two teenage chidren, considers
  hersef a savvy investor.

10
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 1 DQ 1
•  
• For more course tutorias visit
• www.newtonhep.com
•  
•  
• What are capita market instruments? How are they
  used? Which is most important? Expain your answer.

11
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 1 DQ 2
•  
• For more course tutorias visit
• www.newtonhep.com
•  
•  
• What is an asset cass? How are asset casses
  seected? What factors affect the seection?

12
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 1 DQ 3
•  
• For more course tutorias visit
• www.newtonhep.com
•  
•  
• What is a derivative? What are the different
  types of derivatives? How do businesses use
  derivatives to mitigate risks?

13
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 1 Individua Probem Set
•  
• For more course tutorias visit
• www.newtonhep.com
•  
•  
• The Probem Set is provided to you to enabe you to
  practice the concepts outined in the textbook.
  Seect THREE competed probems from the assignment
  and post your soutions to those probems.

14
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 1 Individua Weeky Question
•  
• For more course tutorias visit
• www.newtonhep.com
•  
•  
• Submit your Weeky Questions, with origina
  questions, in a Microsoft Word or text fie. Be
  sure to show your work to earn fu credit.

15
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 2 Assignment Asset Casses Paper
•  
• For more course tutorias visit
•  
• www.newtonhep.com
•  
•  
• FIN402 Week 2 Assignment Asset Casses Paper

16
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 2 Assignment Case Probem 2.1
  Traditiona Versus Modern Portfoio Theory Whos
  Right
•  
• For more course tutorias visit
• www.newtonhep.com
•  
•  Case Probem 2.1 Traditiona Versus Modern
  Portfoio Theory Whos Right?
• Wat Davies and Shane OBrien are district
  managers for ee, Inc.

17
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 2 Assignment Case Probem 4.1
  Coatess Decision
•  
• For more course tutorias visit
• www.newtonhep.com
•  
• Case Probem 4.1 Coatess Decision
• On January 1, 2017, Dave Coates, a 23-year-od
  mathematics teacher at Xavier High Schoo,
  received a tax refund of 1,100.

18
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 2 Assignment Case Probem 4.1, 4.2,
  2.1, 5.2, 13.1 (Part a,b,c,d)
•  
• For more course tutorias visit
• www.newtonhep.com
•  
•  FIN 402 Week 2 Assignment Case Probem 4.1
  Coatess Decision
• FIN 402 Week 2 Assignment Case Probem 4.2 The
  Risk-Return Tradeoff Moy ORourkes Stock
  Purchase Decision

19
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 2 Assignment Case Probem 4.2 The
  Risk-Return Tradeoff Moy ORourkes Stock
  Purchase Decision
•  
• For more course tutorias visit
• www.newtonhep.com
•  
•  Case Probem 4.2 The Risk-Return Tradeoff Moy
  ORourkes Stock Purchase Decision
• Over the past 10 years, Moy ORourke has sowy
  buit a diversified portfoio of common stock.

20
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 2 Assignment Case Probem 5.2 Susan
  ussiers Inherited Portfoio Does It Meet Her
  Needs
•  
• For more course tutorias visit
• www.newtonhep.com
•  
•  Case Probem 5.2 Susan ussiers Inherited
  Portfoio Does It Meet Her Needs?
• Susan ussier is 35 years od and empoyed as a tax
  accountant for a major oi and gas exporation
  company.

21
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 2 Assignment Case Probem 13.1
  Assessing the Stacheckss Portfoio Performance
  (Part a,b,c,d)
•  
• For more course tutorias visit
• www.newtonhep.com
• Case Probem 13.1 Assessing the Stacheckss
  Portfoio Performance
• Mary and Nick Stacheck have an investment
  portfoio containing four investments.

22
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 2 DQ 1
•  
• For more course tutorias visit
• www.newtonhep.com
•  
•  
• What are different ratio categories? Which
  category is most important to bondhoders? Why?
  Which category is most important to stockhoders?
  Why?

23
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 2 DQ 2
•  
• For more course tutorias visit
• www.newtonhep.com
•  
•  
• What are iquidity ratios? Why are they important?
  How may an investor use iquidity ratios when
  making investment decisions?

24
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 2 DQ 3
•  
• For more course tutorias visit
• www.newtonhep.com
•  
•  
• What is the CAPM? Are CAPM assumptions reaistic?
  Why or why not?

25
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 2 earning Team Assignment Portfoio
  Seection Paper (2 Papers)
•  
• For more course tutorias visit
• www.newtonhep.com
•  
• This Tutoria contains 2 Different Papers
•  
• Resources Eectronic Reserve Readings, Internet,
  University ibrary
• Seect one pubicy traded bond.

26
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 2 weeky Probem Set
•  
• For more course tutorias visit
•  www.newtonhep.com
•  
• The Probem Set is provided to you to enabe you to
  practice the concepts outined in the textbook.
  Seect THREE competed probems from the assignment
  and post your soutions to those probems.

27
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 2 Weeky Question
•  
• For more course tutorias visit
• www.newtonhep.com
•  
• 1. (2 point) Cacuate the expected return of
  the foowing stocks using CAPM. You can use
  internet websites to get Beta figures, such as
  Yahoo! Finance, Googe Finance, MSN Money,
  Marketwatch, etc. Use 4 as the risk free rate
  and 6 as the risk premium.

28
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 3 Assignment Case Probem 6.1 Sara
  Decides to Take the Punge
•  
• For more course tutorias visit
• www.newtonhep.com
•  
• Case Probem 6.1 Sara Decides to Take the Punge
• Sara Thomas is a chid psychoogist who has buit a
  thriving practice in her hometown of Boise,
  Idaho. Over the past severa years she has been
  abe to accumuate a substantia sum of money.

29
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 3 Assignment Case Probem 6.1, 6.2,
  7.1, 7.2, 8.1, 8.2, 9.2
•  
• For more course tutorias visit
• www.newtonhep.com
•  
• FIN 402 Week 3 Assignment Case Probem 6.1 Sara
  Decides to Take the Punge
• FIN 402 Week 3 Assignment Case Probem 6.2 Way
  Wonders Whether Theres a Pace for Dividends

30
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 3 Assignment Reative Performance
  Paper
•  
• For more course tutorias visit
• www.newtonhep.com
•  
•  
• FIN 402 Week 3 Assignment Reative Performance
  Paper

31
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 3 AssignmentCase Probem 6.2 Way
  Wonders Whether Theres a Pace for Dividends
•  
• For more course tutorias visit
• www.newtonhep.com
•  
• Case Probem 6.2 Way Wonders Whether Theres a
  Pace for Dividends
• Way Wison is a commercia artist who makes a good
  iving by doing freeance workmosty ayouts and
  iustrationsfor oca ad agencies and major
  institutiona cients (such as arge department
  stores).

32
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 3 AssignmentCase Problem 7.1 Some
  Financial Ratios Are Real Eye-Openers
• For more course tutorials visit
• www.newtonhelp.com
•  
• Case Problem 7.1 Some Financial Ratios Are Real
  Eye-Openers
• Jack Arnold is a resident of Lubbock, Texas,
  where he is a prosperous rancher and businessman.

33
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 3 AssignmentCase Problem 7.2 Doris
  Looks at an Auto Issue
• For more course tutorials visit
• www.newtonhelp.com
•  
• Case Problem 7.2 Doris Looks at an Auto Issue
• Doris Wise is a young career woman. She lives in
  Phoenix, Arizona, where she owns and operates a
  highly successful modeling agency.

34
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 3 AssignmentCase Problem 8.1 Chris
  Looks for a Way to Invest His Wealth
•  
• For more course tutorials visit
• www.newtonhelp.com
•  
• Case Problem 8.1 Chris Looks for a Way to Invest
  His Wealth
• Chris Norton is a young Hollywood writer who is
  well on his way to television superstardom. After
  writing several successful television specials,
  he was recently named the head writer for one of
  TVs top-rated sitcoms.

35
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 3 AssignmentCase Problem 8.2 An
  Analysis of a High-Flying Stock
• For more course tutorials visit
• www.newtonhelp.com
•  
• Case Problem 8.2 An Analysis of a High-Flying
  Stock
• Marc Dodier is a recent university graduate and a
  security analyst with the Kansas City brokerage
  firm of Lippman, Brickbats, and Shaft.

36
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 3 AssignmentCase Problem 9.2 Deb
  Takes Measure of the Market
• For more course tutorials visit
• www.newtonhelp.com
•  
• Case Problem 9.2 Deb Takes Measure of the Market
• Several months ago, Deb Forrester received a
  substantial sum of money from the estate of her
  late aunt. Deb initially placed the money in a
  savings account because she was not sure what to
  do with it.

37
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 3 DQ 1
•  
• For more course tutorials visit
• www.newtonhelp.com
• What is the difference between systematic and
  unsystematic risk? How is the beta coefficient
  used to assess risk? Is it better to maximize
  return or minimize risk? Why?

38
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 3 DQ 2
•  
• For more course tutorials visit
• www.newtonhelp.com
•  
• What is the relationship between inflation and
  interest rates? How does this relationship affect
  asset prices? How does the unemployment rate
  affect interest rates? 

39
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 3 DQ 3
•  
• For more course tutorials visit
• www.newtonhelp.com
•  
• What factors must be taken into consideration
  when creating an investment portfolio? How must a
  portfolios components be weighted? 

40
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 3 Individual Assignment CAPM Web
  Exercise
• For more course tutorials visit
• www.newtonhelp.com
•  
• FIN 402 Week 3 Individual Assignment CAPM Web
  Exercise
• ResourceFundamentals of Investment Management

41
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 3 Weekly Problem Set
• For more course tutorials visit
• www.newtonhelp.com
•  
• The Problem Set is provided to you to enable you
  to practice the concepts outlined in the
  textbook. Select THREE completed problems from
  the assignment and post your solutions to those
  problems.

42
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 3 Weekly Question
• For more course tutorials visit
• www.newtonhelp.com
•  
• Submit your Weekly Questions, with original
  questions, in a Microsoft Word or text file. Be
  sure to show your work to earn full credit.

43
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 4 Assignment Case Problem 10.1 Max
  and Veronica Develop a Bond Investment Program
• For more course tutorials visit
• www.newtonhelp.com
•  
• Case Problem 10.1 Max and Veronica Develop a Bond
  Investment Program
• Max and Veronica Shuman, along with their teenage
  sons, Terry and Thomas, live in Portland, Oregon.
  Max is a sales rep for a major medical firm, and
  Veronica is a personnel officer at a local bank.

44
FIN 402 Start With a Dream/newtonhelp

•  
• FIN 402 Week 4 Assignment Case Problem 10.1,
  10.2, 11.1, 11.2
•  
• For more course tutorials visit
• www.newtonhelp.com
•  
• FIN 402 Week 4 Assignment Case Problem 10.1 Max
  and Veronica Develop a Bond Investment Program
• FIN 402 Week 4 Assignment Case Problem 10.2 The
  Case of the Missing Bond Ratings

45
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 4 Assignment Case Problem 10.2 The
  Case of the Missing Bond Ratings
• For more course tutorials visit
• www.newtonhelp.com
•  
• Case Problem 10.2 The Case of the Missing Bond
  Ratings
• Its probably safe to say that theres nothing
  more important in determining a bonds rating
  than the underlying financial condition and
  operating results of the company issuing the bond.

46
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 4 Assignment Case Problem 11.1 The
  Bond Investment Decisions of Dave and Marlene
  Carter
•  
• For more course tutorials visit
• www.newtonhelp.com
•  
• Case Problem 11.1 The Bond Investment Decisions
  of Dave and Marlene Carter
• Dave and Marlene Carter live in the Boston area,
  where Dave has a successful orthodontics practice.

47
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 4 Assignment Case Problem 11.2 Grace
  Decides to Immunize Her Portfolio
• For more course tutorials visit
• www.newtonhelp.com
•  
• Case Problem 11.2 Grace Decides to Immunize Her
  Portfolio
• Grace Hesketh is the owner of an extremely
  successful dress boutique in downtown Chicago.

48
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 4 DQ 1
•  
• For more course tutorials visit
• www.newtonhelp.com
•  
• What are examples of active and passive portfolio
  management techniques? Why would a portfolio
  manager pursue active instead of passive
  techniques? 

49
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 4 DQ 2
•  
• For more course tutorials visit
• www.newtonhelp.com
•  
• Does international diversification enhance risk
  reduction? Why or why not? What measures may be
  taken to reduce risks of international portfolio
  investing?

50
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 4 DQ 3
•  
• For more course tutorials visit
• www.newtonhelp.com
•  
• What are unique risks associated with foreign
  investments? How might an investor protect his or
  her portfolio against such risks? Is it possible
  to protect a portfolio from all risk? 

51
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 4 Individual Assignment Risk and
  Return Tradeoff Memo (2 Papers)
• For more course tutorials visit
• www.newtonhelp.com
•  
• This Tutorial contains 2 Different Papers
• FIN 402 Week 4 Individual Assignment Risk and
  Return Tradeoff Memo
• Resources Constructing and Managing a Portfolio
  Simulation, Electronic Reserve Readings,
  University Library

52
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 4 Learning Team Assignment Risk and
  Return Analysis Paper
• For more course tutorials visit
• www.newtonhelp.com
•  
• FIN 402 Week 4 Learning Team Assignment Risk and
  Return Analysis Paper
• Complete the following activities
• Conduct a risk assessment and return analysis on
  the investment vehicles in your portfolio.

53
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 4 Weekly Problem Set
• For more course tutorials visit
• www.newtonhelp.com
•  
• The Problem Set is provided to you to enable you
  to practice the concepts outlined in the
  textbook. Select THREE completed problems from
  the assignment and post your solutions to those
  problems.

54
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 4 Weekly Question
• For more course tutorials visit
• www.newtonhelp.com
•  
• 1. (2 point) Go to Morningstar.com. Find the
  listed mutual funds profiles on the website.
  Under Ratings Risk, find and submit the Sharpe
  Ratio for each fund.

55
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 5 Assignment Case Problem 14.1 The
  Franciscos Investment Options
• For more course tutorials visit
• www.newtonhelp.com
•  
• Case Problem 14.1 The Franciscos Investment
  Options
• Hector Francisco is a successful businessman in
  Atlanta. The box-manufacturing firm he and his
  wife, Judy, founded several years ago has
  prospered.

56
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 5 Assignment Case Problem 14.1,
  14.2, 15.1, 15.2
•  
• For more course tutorials visit
• www.newtonhelp.com
•  
• FIN 402 Week 5 Assignment Case Problem 14.1 The
  Franciscos Investment Options
• FIN 402 Week 5 Assignment Case Problem 14.2
  Lukes Quandary To Hedge or Not to Hedge

57
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 5 Assignment Case Problem 14.2
  Lukes Quandary To Hedge or Not to Hedge
•  
• For more course tutorials visit
• www.newtonhelp.com
•  
• Case Problem 14.2 Lukes Quandary To Hedge or
  Not to Hedge
• A little more than 10 months ago, Luke Weaver, a
  mortgage banker in Phoenix, bought 300 shares of
  stock at 40 per share.

58
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 5 Assignment Case Problem 15.1 T.
  J.s Fast-Track Investments Interest Rate Futures
• For more course tutorials visit
• www.newtonhelp.com
•  
• Case Problem 15.1 T. J.s Fast-Track Investments
  Interest Rate Futures
• T. J. Patrick is a young, successful industrial
  designer in Portland, Oregon, who enjoys the
  excitement of commodities speculation.

59
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 5 Assignment Case Problem 15.2 Jim
  and Polly Pernelli Try Hedging with Stock Index
  Futures
• For more course tutorials visit
• www.newtonhelp.com
• Case Problem 15.2 Jim and Polly Pernelli Try
  Hedging with Stock Index Futures
• Jim Pernelli and his wife, Polly, live in
  Augusta, Georgia. Like many young couples, the
  Pernellis are a two-income family.

60
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 5 Assignment Investment Portfolio
  Paper (2 Papers)
• For more course tutorials visit
• www.newtonhelp.com
• This tutorial contains 2 Different Papers
•  Prepare a paper, not to exceed 5 pages, in which
  you assess the performance of your portfolio,
  using William Sharpes and Harry Markowitzs
  modern portfolio theories. Address the following
• Calculate your portfolios performance using the
  Sharpe, Jensen, and Treynor indices.

61
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 5 DQ 1
•  
• For more course tutorials visit
• www.newtonhelp.com
•  
• What are different types of alternative
  investment vehicles? Which is preferable? What
  factors could affect the choice of such a vehicle?

62
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 5 DQ 2
•  
• For more course tutorials visit
• www.newtonhelp.com
•  
• What is an individual retirement account? Is it
  important to have an individual retirement
  account? 

63
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 5 DQ 3
•  
• For more course tutorials visit
• www.newtonhelp.com
•  
• What are derivatives? How may they be used to
  manage a portfolio?

64
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 5 Individual Assignment Investment
  Enhancement Paper
• For more course tutorials visit
• www.newtonhelp.com
•  
• Prepare a 1,050- to 1,750-word paper in which you
  address the following
• Analyze effects of international portfolio
  diversification on an investment portfolio.
• Examine alternative investment vehicles.

65
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 5 Weekly Problem Set
• For more course tutorials visit
• www.newtonhelp.com
•  
• 1. You purchase one IBM July 125 call contract
  for a premium of 5. You hold the option until
  the expiration date when IBM stock sells for 123
  per share. You will realize a ______ on the
  investment.

66
FIN 402 Start With a Dream/newtonhelp

• FIN 402 Week 5 Weekly Questions
•  
• For more course tutorials visit
• www.newtonhelp.com
•  
• Submit your Weekly Questions, with original
  questions, in a Microsoft Word or text file. Be
  sure to show your work to earn full credit.

67
FIN 402 Start With a Dream/newtonhelp