Finance

Discuss financing options for your business.  Which do you think is a good fit for your business and why?

Using the Personal Monthly Budget template found in Microsoft Excel, create a personal record of your money coming in and money going out by completing entries under the Projected column of the spreadsheet.  You will NOT be submitting this spreadsheet as this is your personal information.  For this assignment, write a summary of what you learn from this exercise. Does your income exceed your expenses? If so, how much are you saving each month, and is it enough? How do you know it is enough? If not, what are your goals for addressing the deficit (i.e. job change, cut back on expenses, etc) How is your short-term savings—if you had an emergency, would you have enough in savings to handle the situation? Why is a savings account important? How much do you need to have in savings? What are some tips for accumulating savings? What else did you learn from this budgeting exercise that could help you and/or your family finances going forward Write a 1-2 page paper that addresses these questions after completing your budget worksheet? Use the template provided. Follow APA format, including a title page, introduction, conclusion, citations, and a minimum of one scholarly reference (not Wikipedia or Investopedia). See the attached PPT file. Turnitin report of no more than 20% similarity index is required. Submit all answers as one file by midnight ET, Day 7 (Sunday). Use the naming convention JSmith_Week 2 Assignment Supporting Material

Masters Project about Bitcoin and cryptocurrency market, details are flexible. However, a quantitative project where data collection and analysis is must. Marking criteria as follows: Problem formulation (10%) Literature review (20%) Research approach (20%) Analysis and inferences (25%) Conclusions, recommendations and reflections (20%) Presentation (5%). 

Produce a report from Betram, the financial vice president to the Ostrem’s outlining the process for determination of which projects should be accept.     In analyzing the projects, you should be doing the following: Compute the estimated Beta for VKF using the company and market returns and then compute cost of equity using CAPM. Note the appropriate return for market and risk free is the geometric mean not arithmetic mean. Compute the weighted average cost of capital for the firm given the current capital structure and after computing the relevant costs for after-tax long-term debt and equity.. Simply, without consideration for the life of the projects, calculate NPV, IRR, PI and MIRR for each project using the current cost of capital, note that the Ankeny proposal is riskier. Assume the reinvestment rate for MIRR is the weighted average cost of capital for the firm. Based on your computations in requirement number two, which projects should be accepted? Note: Projects 1245-A, 1245-B and 1245-C are mutually exclusive. Since Projects 1245-A, 1245-B and 1245-C are mutually exclusive and have unequal lives it is appropriate to use other techniques to evaluate the projects. Use the equivalent annuity approach and the replacement chain approach as better techniques for evaluating these three projects. Does this change your decision? Why? .

Read the case titled DEMOCRACY AND FINANCES IN AN OPSEU LOCAL at pages 164 to 166 in the textbook. In the case there is a section titled WHAT DO LOCALS SPEND THEIR MONEY ON. Explain why you agree or disagree with spending on the types of items listed therein.

I have already done the interview, I just need the reflection written. My interview was done with an African American STNA that I work with. I am going to add my actual interview to help you write the reflection. 1.      Since your time as an STNA (State Tested Nurses Aid), has there ever been a time where another coworkers personal opinion affected you while at work? Please explain. Answer: Yes, there was one time while at work, the Nurse I was assigned to work with that day, who I have never worked with before, I heard complaining to another Nurse that she didn’t want to work with me because she felt that I had a “bad” attitude. The Nurse she was speaking to asked her why she felt like I had a “bad” attitude, and she said that she had to be a witness to a write up for me and felt like I didn’t handle it in an appropriate manner, and felt like she could possibly be bullied by me if she were to try and give me an assignment. 2.      How did you overcome this issue? Answer: At the time I felt it was best to go ahead to do my work and only speak to her if it was necessary. 3.      Did you try and talk to this person to express your concerns? Answer: Yes, after s few hours of working my shift I decided to go to Human Resources and ask for a “sit” down with my nurse with a few floor managers to talk and sort out any differences. The Human Resource Representative asked me what was going on, I told her what I had heard my Nurse say to another Nurse, and a meeting was set up for that day. Although I feel like the meeting was a success, there are still times I get the feeling that she holds resentment. 4.      Have you ever felt that your race or culture has ever been a reason why you have had problems with coworkers or denied a job?  Answer: Yes, there was a time I was going for an interview. When I first got there, they had me sit down at a table and fill out papers until I was called into my interview. Where they sat me was right outside of the office where they were conducting the interviews. I could hear that there was someone in there being interviewed, and it sounded so pleasant, I was excited for it to be my turn soon. They opened the door, shook the girls’ hand, and thanked her for coming in. The lady interviewing saw me and waved me to come in, I came in and sat down, and it was that awkward silence so I introduced myself and said how much I appreciated them calling me in for this interview. The lady asked me two questions, I answered both, she then said alright thanks for coming in and told me I could go. She did not walk me out, she didn’t ask me if I had any questions or anything. It was my worst interview experience ever. 5.      How do you feel, or would you feel working in an environment with multicultural/races? Answer: I personally feel working in a place that is multicultural or multiracial is best for me, I feel the most comfortable when I am not the only African American, but also I don’t want to work in a place that is only African American. I like the diversity, I like trying to understand different races and cultures, to me it helps me grow as a person.

1- Write about the significant impact of international financial developments due to covid-19 on Hertz company and Whiting Petroleum Corp, and then discuss, in some detail—preferably with some data or hard facts—what the event(s) was (were) and also what the impact was on the companies. 2- Write on a Greece and their government-debt crisis, not pertaining to the item in the next question, and then discuss, in some detail—preferably with some data or hard facts—what the event(s) was (were) and also what the impact was on the country you selected. 3- Discuss how international financial institutions can help win the fight against the most recent crisis, the COVID-19 pandemic, with specific details about actions already taken, or being actively contemplated, by at least one leading international financial institution and at least one leading central bank. What is your opinion, and why?

10 million dollars to invest( pretend) How will you invest it?  You can not invest more than 15% in any one country or business what or who you are investing and why?  charts/analysis/ why 

Income Statement Analysis: In this section, answer the following for the trend analysis: What is the total revenue, total costs of revenue and net income for each year? How have these numbers changed over the three years and what could be some reasons why these numbers have changed the way they have? In addition, pick at least one appropriate (for this statement) ratio or financial in addition to what is provided and calculate that and explain it.  See the section on ratio analysis below for ideas. (1 page ) •Balance Sheet Analysis: In this section, answer the following for the trend analysis: What are the total assets, liabilities and shareholder equity for each year? How have these numbers changed over the three years and what could be some reasons why these numbers have changed the way they have? In addition, pick at least one appropriate (for this statement) ratio or financial in addition to what is provided and calculate that and explain it.  See the section on ratio analysis below for ideas. (1 page) •Cash Flow Analysis: In this section, answer the following for the trend analysis: What are the total cash flows from operating, investing and financing activities as well as the change in cash and cash equivalents for each year? How have these numbers changed over the three years and what could be some reasons why these numbers have changed the way they have? In addition, pick at least one appropriate (for this statement) ratio or financial in addition to what is provided and calculate that and explain it.  See the section on ratio analysis below for ideas. (1 page) •Conclusion: In this section, answer the following: What are the most important things you have discovered in your analysis?  What are some conclusions you reached? What are the highlights of your paper? 1-page Ratio Analysis: In addition to the trend analysis above, it is customary to also analyze ratios.  Some commonly used ratios are •Beta: A measure of risk that is usually published and not calculated by you (A beta greater than 1 suggests that the company is more volatile/risky than the market) •Current ratio = Current Assets/Current Liabilities (A current ratio greater than 1 means the company has enough assets to cover all current liabilities should the need arise) •Quick ratio = (Current Assets – Inventory)/Current Liabilities (When you are dealing with a company that carries a lot of inventory, a quick ratio is a better indicator than a current ratio because it acknowledges that inventory is not typically liquid). •Profit Margin = Net Income/Sales (Represents how much of each dollar in sales remains after all costs are covered) •Return on Equity = Net income/Total equity (Represents the return for all holders of equity in that company) •EBIT Return on Assets = EBIT/Total assets (Represents the pre-tax return on the total net investment in the firm from operations or alternatively, how efficiently management has used assets) •Debt-equity ratio = Total debt/Total equity (Represents the long term solvency or financial leverage in that company)

You have been hired as a consultant for Pristine Urban-Tech Zither, Inc. (PUTZ), manufacturers of fine zithers. The market for zithers is growing quickly. The company bought some land three years ago for $2.1 million in anticipation of using it as a toxic waste dump site but has recently hired another company to handle all toxic materials. Based on a recent appraisal, the company believes it could sell the land for $2.3 million on an after-tax basis. In four years, the land could be sold for $2.4 million after taxes. The company also hired a marketing firm to analyze the zither market, at a cost of $125,000. An excerpt from the marketing report as follows: The zither industry will have a rapid expansion in the next four years. With the brand name recognition that PUTZ brings to bear, we feel that the company will be able to sell 3,600, 4,300, 5,200, and 3,900 units each year for the next four years, respectively. Again, capitalizing on the name recognition of PUTZ, we feel that a premium price of $750 can be charged for each zither. Because zithers appear to be a fad, we feel at the end of the four-year period, sales should be discontinued. PUTZ believes that fixed costs for the project will be $415,000 per year, and variable costs are 15 percent of sales. The equipment necessary for production will cost $3.5 million and will be depreciated according to a three-year MACRS schedule. At the end of the project, the equipment can be scrapped for $350,000. Networking capital of $125,000 will be required immediately. PUTZ has a 38 percent tax rate, and the required return on the project is 13 percent. What is the NPV of the project? Provide your explanations and definitions in detail and be precise. Explain in your own words. Provide references for content when necessary. Support your statements with peer-reviewed in-text citation(s) and 5 reference(s). Abstract and conclusion required