The document is Nick Kwasiborski's career portfolio from Northwood University which includes his resume, samples of his work such as financial analyses and a business plan, as well as a recommendation letter and information about awards he has received. The portfolio is intended to represent the work Nick has done in pursuing his major in finance over the past four years in order to help him find a career in the financial field.

1. NICK KWASIBORSKI
Career Portfolio
Northwood University

2. 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

3. 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.

4. 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.

5. Resume
• Nick Kwasiborski
• (248) 762-8724 ▪ Kwasiborskin@Northwood.edu
• 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

6. 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
• webbd@northwood.edu
• dwebb@metlife.com

7. Samples of Work
Starting Dividend Dividends Reinvested # of Dividend Reinvested Value with Reinvested New # of
Company Ticker Price # of Shares Final Value % of Total Yield Dividend Stocks Stock Price Current Price Current Value Total Gain % Gain Dividends 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 Date
HPQ 2/21/2013
T 4/23/2013
jnj
vz 4/18/2013
ge 4/19/2013
mcd
dd
intc 4/16/2013
pfe
mrk

8. Samples of Work
Discount Rate 12.00%
Growth rate 3.00%
Req. Return 12.00%
PV of Reversion
NOI PV of NOI Reversion Value Total PV's
Value
$
1 $892,857.14 $892,857.14
1,000,000.00
$
2 $797,193.88 $797,193.88
1,000,000.00
$
3 $711,780.25 $711,780.25
1,000,000.00
$
4 $762,621.69 $762,621.69
1,200,000.00
$
5 $709,283.57 $709,283.57
1,250,000.00
$
6 $658,620.46 $658,620.46
1,300,000.00
$ $
7 $605,695.60 $6,931,849.64 $7,537,545.24
1,339,000.00 15,324,111.11
$
8
1,379,170.00
Total Value $12,069,902.23
Terminal Cap Rate 9.00%
Going In Cap Rate 8.29%

9. 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%

10. 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
$ $
Market Volume year 2 31,185.00 149,688.00 134,490.00 645,552.00
$ $
Market Volume year 3 53,460.00 256,608.00 235,357.50 1,129,716.00
$ $
Market Volume year 4 64,597.50 310,068.00 369,847.50 1,775,268.00
$ $
Market Volume year 5 71,280.00 342,144.00 470,715.00 2,259,432.00
Total Units Total Profit Total Revenue
$ $
Market Volume year 1 80,610.00 386,928.00 1,676,688.00
$ $
Market Volume year 2 165,675.00 795,240.00 3,446,040.00
$ $
Market Volume year 3 288,817.50 1,386,324.00 6,007,404.00
$ $
Market Volume year 4 434,445.00 2,085,336.00 9,036,456.00
$ $
Market Volume year 5 541,995.00 2,601,576.00 11,273,496.00

11. 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.

12. Awards