nancy carol only please do not respond 1

Mini Case

 

Assume that you are nearing graduation and have applied for a job with a local bank. As part of the bank’s evaluation process, you have been asked to take an examination that covers several financial analysis techniques. The first section of the test addresses discounted cash flow analysis. See how you would do by answering the following questions.

 

A.  Draw time lines for (1) a $100 lump sum cash flow at the end of Year 2, (2) an ordinary annuity of $100 per year for 3 years, and (3) an uneven cash flow stream of –$50, $100, $75, and $50 at the end of Years 0 through 3.

B.

1. What’s the future value of an initial $100 after 3 years if it is invested in an account paying 10% annual interest?

2. What’s the present value of $100 to be received in 3 years if the appropriate interest rate is 10%?

C. We sometimes need to find out how long it will take a sum of money (or anything else) to grow to some specified amount. For example, if a company’s sales are growing at a rate of 20% per year, how long will it take sales to double?

 

D. If you want an investment to double in 3 years, what interest rate must it earn?

 

E. What’s the difference between an ordinary annuity and an annuity due? What type of annuity is shown below? How would you change the time line to show the other type of annuity?

 

 

F.

1. What’s the future value of a 3-year ordinary annuity of $100 if the appropriate interest rate is 10%?

 

2. What’s the present value of the annuity?

 

3. What would the future and present values be if the annuity were an annuity due?

 

G. What is the present value of the following uneven cash flow stream? The appropriate interest rate is 10%, compounded annually.

 

 

H.

1. Define the stated (quoted) or nominal rate INOM as well as the periodic rate IPER.

 

2. Will the future value be larger or smaller if we compound an initial amount more often than annually—for example, every 6 months, or semiannually—holding the stated interest rate constant? Why?

 

3. What is the future value of $100 after 5 years under 12% annual compounding? Semiannual compounding? Quarterly compounding? Monthly compounding? Daily compounding?

 

4. What is the effective annual rate (EAR or EFF%)? What is the EFF% for a nominal rate of 12%, compounded semiannually? Compounded quarterly? Compounded monthly? Compounded daily?

 

I. Will the effective annual rate ever be equal to the nominal (quoted) rate?

J.

1. Construct an amortization schedule for a $1,000, 10% annual rate loan with 3 equal installments.

2. During Year 2, what is the annual interest expense for the borrower, and what is the annual interest income for the lender?

K. Suppose that on January 1 you deposit $100 in an account that pays a nominal (or quoted) interest rate of 11.33463%, with interest added (compounded) daily. How much will you have in your account on October 1, or 9 months later?

 

l.

1. What is the value at the end of Year 3 of the following cash flow stream if the quoted interest rate is 10%, compounded semiannually?

 

 

2. What is the PV of the same stream?

 

3. Is the stream an annuity?

 

4. An important rule is that you should never show a nominal rate on a time line or use it in calculations unless what condition holds? (Hint: Think of annual compounding, when INOM = EFF% = IPER.) What would be wrong with your answers to parts (1) and (2) if you used the nominal rate of 10% rather than the periodic rate, INOM/2 = 10%/2 = 5%?

 

M. Suppose someone offered to sell you a note calling for the payment of $1,000 in 15 months. They offer to sell it to you for $850. You have $850 in a bank time deposit that pays a 6.76649% nominal rate with daily compounding, which is a 7% effective annual interest rate, and you plan to leave the money in the bank unless you buy the note. The note is not risky—you are sure it will be paid on schedule. Should you buy the note? Check the decision in three ways: (1) by comparing your future value if you buy the note versus leaving your money in the bank; (2) by comparing the PV of the note with your current bank account; and (3) by comparing the EFF% on the note with that of the bank account.

 
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human sexuality week 7 forum

250+ Words

NO PLAGIARISM

References in APA 6th Edition Format

Forum 7: Gender and the Media

Gender-based stereotypes are presented through the mass media. Locate an article, cartoon, or advertisement that conveys a gender message. Analyze the message by answering the following questions. Also, please attach your media or share the media’s url address.

 

  1. What is the message the media is trying to convey?
  2. What examples are used to convey this message?
  3. Does the message fit a gender-role stereotype? Why?
  4. Is the gender message consistent with your beliefs about gender?
 
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mgmt215 decision making communication unit 1

Watch a news program of your choice. Write down the verbal and nonverbal cues you notice in the cast. Using your listening skills that you learned in this unit, write down the important points covered and the major themes (not the actual details that are covered). Also, try muting the sound on your television, and note any differences in what you notice and are able to understand. Address the following.

1. How do thenewscasters’ verbal and nonverbal cues affect their communication with the audience (you)?

2. What did you learn about your listening skills?

3. How well were you able to identify important points and major themes?

4. How does public presentation of the news (a newscast) compare to news in written form (newspaper, new Web site).

5. How will you use your new awareness of verbal and nonverbal communication in business situations?

 Please answer all questions in Microsoft Word Format. This calls for 3 – 4 paragraphs. REFERENCES are essential.

 
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fdr finance 100 original quality work

1AL.  The most important component is cash flow and the management of cash flow. Whether a small business is a traditional brick and mortar or service business, if the cash flow is not consistent or properly managed the business will fail. Strong management of cash flow will assist maintaining expenses, sales, and COG. A service business may have regular customers, but if the organization does not see new customers and the COG and expenses increase, the cash flow will decrease. If there is a constant flow of existing and new customers, there will be a continuous cash flow. The small business must keep track cash flow, cost of goods (COG), new client’s, expenses, and sales to remain successful. Every small business that I know use quickbook to manage each of these areas.

 

1IM.  The most important financial components to track and help determine the success of a small business are the sales projections and the cash flow statement, because one statement estimates on how much revenue the company can acquire and the cash flow statements shows on how much the company actually did. When looking at the sales projections statement, it shows on a monthly and quarterly basis on each products and services of what can be generated as revenue. This will also be an indicator to help management evaluate the company’s progress. The cash flow statement, especially in the cash from sales from each product and or service. This will also be an indicator on how which product or service is in demand and whether the revenue is meeting the sales projections.

 

1LD. The owners of successful businesses have developed Operational Support Systems. These may be financial or non-financial, manual or automated. The objective of these systems is to support and make efficient all the activities of the organization. Well structured, they also relieve management of many day to day routine activities, giving owners more time to be strategic thinkers. The information provided by these tracking systems provide critical information on sales, cash flow and other financial performance data so that senior management can take timely action as change occurs. Red flags appear early, before problems become unmanageable.

Should small business owners place primary emphasis on cash basis or accrual basis? If so why, If not why not?

 

Four Reasons Why Small Business Succeed (or Fail). Retrieved from       http://www.businessknowhow.com/startup/succeed.htm

 

 

1ZC. The statement of cash flows is important in determining the success of a small business. It shows the cash at the beginning of a period with inflows added and outflows of cash being subtracted. The difference shows either a negative or positive cash flow which is important in keeping a business in operation. Without sufficient inflow the company will not have the cash to pay for expenses or purchase inventory. Each month a small business should report his cash flow because neglecting reporting and accounting for cash flow plays a crucial role, especially when a small business experiences hardship in generating cash as a start up. The next component would be the profit & loss statement which can be used as your performance evaluation. It will show the extend to which the business has been successful in achieving its objectives. It shows the profitability of the company including revenues, expenses, gains, and losses. As a snapshot of the health of a company the profit & loss statement should be viewed regularly.  

 

1LD. Our business lives and dies with cash flow. Make conservative estimates about sales and costs. Know how much it costs to start your small business.  This is no time to be optimistic. Make sure your estimates are based on your experience. While you’re at it, consider the hours you’ll be putting in order to rack up those sales.  Look at your personal budget and make sure you can survive on the projected income for at least six months.   The number one killer of small business is negative cash flow. Don’t become a victim. 

Should small business owners place primary emphasis on cash basis or accrual basis? If so why, If not why not?

 11 Tips to owning a Successful Small Business. Retrieved from  http://wealthpilgrim.com/9-tips-to-owning-a-successful-small-business/

 

1CG. One of the most important financial components to track is the cash-flow report. Some of the other important components are income report as well as the balance sheet. A cash-flow report will advise the shareholders on the amount of cash needed to meet all of their expenses. The income report will let you know how the company is performing over a certain period of time. It allows you compare the company’s performance from month to month or on a quarterly basis. Lastly, a balance sheet helps a company determine whether they are spending too much money in any one area or if they have more expenses than profit. A balance sheet will show how much is being invested in debts, assets, stock, or any other expenses.

 

1KM. The main financial situation that small business owners need to consider is cash flow. They have to consider the current circumstances as well as what is forecasted for the cash. Cash is always going to be tight when a business first opens because cash isn’t flowing into it the way it will when it matures. The different seasons will cause our business to go into slumps. We have to plan for the slumps in business. A small business will have to watch the cash cycles & plan for drops. If they do not keep their cash flow under tight control, they will not survive. They also should consider their ratios. They need to make sure they aren’t highly leveraged. They also need to ensure that their assets are working for them. They can look at their return on their investment & judge whether the business will be profitable.

 

1JK.  A business can appear to be good investment when just comparing the revenues versus the operating cost and the reoccurring expenses, but this can be misleading. Knowing how much money a business takes in and where exactly that cash is going will give one more information on how a business stands financially.  Obtaining the ability to properly read a business’ statement of cash flow will allow one to see where a business is putting their money to help clarify where the money could be better spent. This allows a business to foresee problematic situations that may arise in the future. If there will not be enough liquid money to pay for reoccurring expenses for example labor and utilities because most of the business’ money is either tied up in longterm investments or being wasted by poor financial decisions then it will be documented in the statement of cash flow.  Also a small business will have a hard time surviving if the owner is taking too much money out of the business.The best way for a business to be smart with their money is to track its every move.  

 

 
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convergence testing

 
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research paper mla format

MLA format

You will be required to write a 5-7 page research paper on a current drug issue.

Papers must be typed and double spaced, using size 12 font. 

Papers must be 5 – 7 pages in length. 

 
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need help asap 1259911 2

Create a matrix using powerpoint in which you describe the prisons where the following individuals were incarcerated

Al Capone

John Gotti

compare and contrast the characeristics of the previously listed individuals

describe the problems associated with the prisons used to incarcerate these individuals

use images or graphics if desired reference any information or images used in the matrix

format your paper with apa guidelines

do one slide for gotti and one slide for capone

 
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eco case one

ECO 520 Case Study One: Production and Cost.

 

Send me a hand shake, and i sent you a response please let me know, Thank you.

Overview

 

This course includes two case studies. These exercises are designed to actively involve you in microeconomic reasoning and decision making and to help you apply the concepts covered in the course to complex real-world situations. The case studies provide practice reading and interpreting both quantitative and qualitative analysis. You will then use your analysis to make decisions and predictions. These exercises provide practice communicating reasoning in a professional manner.

 
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information technology evaluation and implementation ii

Microsoft Project 2010
Final Project scenario: You have been assigned to install workstation, software, and networking equipment for a 250-person call center. This call center is an addition of capabilities for an existing company of 500+ people. You are an IT Project Management consultant that has been brought in to implement this project and have three months to complete the project. Complete a project plan for this scenario as follows:
1. Develop a WBS, Network Diagram, and Gantt Chart for the project (Must include at least 30 activities and 10 resources minimum).
2. Include all necessary project dependencies.
3. List all project resources, and assign costs to each resource.
4. Baseline the project plan.
5. Input at least three project updates.
6. Create an Earned Value Report and at least one other report from MS Project 2010 reports.
7. Create a one-page Word document summarizing an overview of the project.
8. Put all files together in a zip file, and submit them for grading.

 
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discuss concept proper organization crime scene investigation your explanation describe diff

Assignment is at least 200 word minimum, cited and referenced/ non-plagiagized work please. Textbook in use: Criminal Investigation (11th ed,). Swanson, Chamelin, Territo, & Taylor (2012). New York, NY: McGraw-Hill. Perferred use please if possible, thanks.

 
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