Contents Effect of Equity Financing on Product Market Behavior Jaideep Chowdhury 164 - 173 Forecasting the Yield on 10-Year State Bonds as Part of the WACC For Regulated Industries Mark Hartog Van Banda,& Machiel Mulder 174 - 185 Participation and Volume Decisions of Private Debt Holdings: A Longitudinal Investigation in The Life Insurance Industry Fan Liu 186 - 205 The Effects of Volatility on the Earnings-Return Relation of Institutional Vs. Individual Owners Mitchell Oler, & Todd White 206 - 219 Managerial Incentives and Real Earnings Management: Evidence from Dual-Class Firms Huishan Wan 220 - 241 Corporate Social Responsibility: The Case of Dual-Class Firms Alahassane Diallo, Robert C. Hanson, & Yu Zhang 242 - 262 Teaching Millennials: Bridging the Schism between Traditional Instruction and Active Engagement of Undergraduate Students in a Problem-based Introductory Finance Class Dr. Eric J. McLaughlin 263 - 270 Hindu Rate of Growth as the Global Growth Rate Surendra K. Kaushik 271 - 282 www.irjaf.com