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Finance Essay Examples

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Endeca Technologies

...As the chief representative for Endeca’s shareholders, I think Papa should choose the first term sheet. According to the analysis above, the first term sheet has more benefits over the second term sheet and less cons compared to the second term sheet. The only thing I concern about the first term sheet is the capital is less than the second term sheet. However, in reality the capital that the second term sheet provided is still far from what Papa initially wanted for Series C. Most importantl...

Understand employment responsibilities and rights in health, social care or children and young people's settings

...Ensuring that children are growing up in circumstances consistent with the provision of safe and effective care. This has been set through the government guidance and safeguarding legislation that was acknowledge that every child can be hurt, put at risk of harm or abused, regardless of their age, gender, religion or ethnicity. This policy and procedure can enable the children to have a quality life chance to transcend into adulthood successfully. The policy and procedures protect children from ...

?Poverty As A Cause Of Crime

...The most popular view is that crime is a category created by law. Poverty and crime have a very intimate relationship that has been described by experts from all fields, from sociologists to economists. The UN and the World Bank both rank crime high on the list of obstacles to a country’s development. This means that governments trying to deal with poverty often also have to face the issue of crime as they try to develop their country's economy and society. In the countries where social discri...

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The American Dream

...It is still alive people say because people are still getting some education even though when they graduate they might not get the job they wanted right out of college but eventually they will. In the article The American Dream: alive and well it states that the average American family makes around $54,000 a year. It also states that “In terms of education, nearly 90 per cent of Americans between the ages of 25 and 64 have earned the equivalent of a high school diploma, which is above average....

Cost of Capital


The Equality Act 2010

...Ethical issues are dealing with morals or principals. Ethics determine a person’s view on what is right or wrong and should be handled with care. An ethical issue that is common in the workplace would be regarding doing personal jobs while on the clock or using a work computer, printer or copier for anything other than work purposes. Some employees may not see a problem with doing such thing whereas others may feel it is not appropriate. It is important that employers inform their employees wh...

AutoZone’s Stock

...AutoZone’s financial measures indicates that the company is been constantly improving. The most important measures for investors, EPS, ROIC and stock price, are been increasing at a desirable rates. AutoZone’s investors have been enjoying strong price appreciation, and I believe they will enjoy it also in the future. Lumpert’s liquidation should not affect the share repurchase program. Company should continue with its share repurchase program even after Lampert liquidates all his stake. Th...

Starting Right Corporation

...George’s best option is the common stocks. Common stock could still net George a maximum return of $210,000 at the end of five years. Peter Metarko is another investor that is extremely optimistic about the market for baby food. Since Peter is willing to take an aggressive risk in the market, it is recommended that he invests in common stocks. Common stocks would give Peter the maximum gain possible. Like George, the maximum gain Peter can attain over a period of five years is $ 240,000. Sinc...

Banc One HBS case

...Because Banc One’s current strategy is the most optimal strategy for higher returns with more limited risk, it must find a way to educate investors about its practices, and how these practices are in investors’ best interests. This could include the disbursement of simpler educational materials (similar to prospectuses) and meetings with fund managers and analysts to inform them of the benefits of these trading practices. Banc One should also provide more transparency to investors about the ...

Wrigley Jr. Company

...Therefore, from our analysis we know that an increase in debt can have adverse affects on flexibility and can have costs associated such as bankruptcy, agency and distress costs, however, due to the tax shield affects and the decrease in WACC we believe there should an increase in the level of debt. In addition, the share price change is not consistent with the change in WACC and it could be assumed that the distress costs associated with the increase in debt would mean the price would actually ...

U.S. and global economics


Diageo Capital Structure Case

...The model does not fully explore the risks associated with doing business across a vast international market. There is risk due to political factors that the Diageo team did not take into account. Also, the model assumes a constant tax rate, and there is no guarantee that Diageo will not experience fluctuations. These trials figure a 20% reduction in value of the firm as a result of financial distress, while Richard Passov’s article How Much Cash Does Your Company Need? calls out a 30% reducti...

Regulatory Bodies with Roles in Accounting

...Their duty is to establish and enhance monetary accounting, the administration and financial resources of the financial accounting of its standard-setting board, the monetary accounting requirements advisory council, the governmental accounting standards board or much better known as GASB and their advisory council. Standards of non-government monetary accounting and reporting like not-for-profit organizations are taken a look at by FASB (Financial Accounting Requirement Board). The GASB was for...

Finance Textbook


?Pag-IBIG Fund

...To equitably distribute nationwide economic opportunities generated from housing production, and in the process, stimulate stability brought about by economic development. To provide an opportunity for Local Government Units (LGUs) to comply with R.A. 7279 by identifying and providing land for socialized housing. To simplify and facilitate the processing of end-user financing for eligible Pag-IBIG Fund members, given that the projects are owned by Pag-IBIG Fund. To develop further sense of owner...

Panera SWOT

...Depending on how long there is a problem in the fleet; Panera Bread Company would see a decline in sales from those locations affected. The increasing popularity of vegetarian food is the third threat. “At an average growth of 9% per year, this market is projected to reach $1,700 million by 2010” ( http://search.ebscohost.com/login.aspx?direct=true&db=buh&AN=44704860&site=bsi-live). The increase of a preference of healthy, natural, and fat free food has created a very successful ...

Philippine Taxation System

...The Philippines, with the current taxation system, is always on budget deficit. And these year after year deficits includes huge amount of money thus resulting to higher public debt that the taxpayers also pay, with interest. It is time to change on how the government tax its people. Lowering the tax rate will not necessarily mean that it will lessen the budget of the government. Lowering tax will increase the tax base of the government and it will increase the cash flow in the economy, let the ...

Eco Plastic Solution

...This case focuses on determination of the cost of capital for a firm. The student determines the cost of individual sources of financing, including long-term debt, preferred stock, and common stock. The cost of debt is adjusted for Eco Plastics’ 40% tax bracket. The company is considering a new financial structure, with the replacement of preferred stock financing with debt financing. Additional use of debt increases the common stockholders’ required rate of return. The student is asked to c...

Teletech Corporation

...Rick Phillips: He understands exactly the whole point and Teletech should consider the risk rate for both segments and apply different hurdle rates to value the investments each business unit is going to take. Even though it might cause the calculation of NPV to be inconsistent and harder to understand for the stakeholders, but if explained carefully, it would resolve the problem. Helen Buono: She is wrong with her theory that if Teletech invests only on Telecommunication Services, the value wil...

MooBella Case Study


Financial Planning

...4.How should you use this information to make personal financial and career planning decision? After reading the current and projected trends with regard to the GDP growth, unemployment, and inflation. I plan to finance wisely and not spend money all crazy without a care in the world. I have a family now and I don’t want my daughter to struggle like I have too. As for my career I plan to have short and long term goals. I don’t expect to stay in one field, I always had the mindset to where I ...

Winfield Refuse

...Another option to issue debt without fixed payments, and full principal to be paid at date 15, assuming the same 6.5% interest rate. A $125million repayment at year 15. Third option to finance through equity to fill the need for $125M means issuing 7.5 million new shares at $17.75 per share. Maintaining the $1.00/ share dividend policy, means a negative impact to shareholders. The EPS would drop to $1.91 with the increase in number of shares vs. a $2.51 EPS with debt financing. Winfield should f...

Pinnacle case study part ii

...No significant issues exist that would cause the auditor to question the integrity of the management. Nevertheless, auditor ought to have done customer approval treatment prior to accepting the customer. There are a couple of elements in which fraudulent funding reporting might happen. b. Appropriate audit threat is medium to low due to the fact that of the elements listed in part (a) and the organized boost in funding and the possible offense of the financial obligation covenant agreement. This...

Aspiring Education

...The three authors showed the different essential sides of education. Education is intensely vital; it can robustly provide one with opportunities, ultimately save one from a life of misery, and mightily free those who are discreet. In this quote, Carl Rogers said, “The only person who is educated is the one who has learned how to learn.” Carl conveys that if you know how to listen, speak, read, and learned how to learn it means that you are an educated person. He also interprets that you wi...

Job Fair Brochure

...I choose the company structure, business model and culture based on the on-going need of these services for every individual and new small businesses that are starting almost daily. The tax laws are changing all the time and it is important to know the changes that affect every person and business. I have been to and have seen many businesses like this one that I have created where the employees have no knowledge of business or tax basics, never mind the changes that the government is constantly...

Short Paper: Too Big to Fail

...Lu Zhang and Yue Yang (2012, December 17). The monopoly of China National Petrolem Corporation and China Petrolem Chemical Corporation. Finance Magazine. Retrieved from http://business.sohu.com/20121217/n360638179.shtml David Wessel (2009, October 28). Three Theories on Solving the 'Too Big to Fail' Problem. The Wall Street Journal. Retrieved from http://online.wsj.com/articles/SB125668497563411667 Xianfeng Yu (2007, Augest 27). The privatization of China National Petrolem Corporation and China ...

Southern Homecare Cost Of Capital Case

...If the divisions had significantly different debt capacities then the weights of debt and equity also could be adjusted for each division. However, this procedure leads to the problem of how capital structure changes affect the costs of debt and equity. Riskier projects within each division should be evaluated with a higher risk-adjusted cost of capital, and lower risk projects with a lower cost of capital than the overall divisional cost of capital. A cost of capital, whether corporate or divi...

Marriott Corporation” the Cost of Capital

...Market risk premium should be calculated for the same horizon as that used for the risk-free interest rate. Thus a spread between S&P 500 composite returns and long-term U.S. government bond returns for the period 1951-1987 (7.88%, see Appendix 2) is a market risk premium for lodging division. A spread between S&P 500 composite returns and short-term U.S. government bond returns for year 1987 (-0.23%, see Case Exhibit 5) is a market risk premium for restaurant and contract services divis...

Macroeconomics and Government

...The theory of liquidity preference states that the economy’s interest rate adjusts to balance supply and demand. The first piece of the theory of liquidity preference is the supply of money. The Federal Reserve is who controls the money supply. They buy government bonds which are deposited into banks turning the money into funds for the bank reserves. They sell government bonds which make the bank reserves fall. These changes lead to changes in the banks’ ability to make loans and create mon...

Gulf Oil Analysis

...Additionally, taking the free cash flow derived in Exhibit 6 (basis for an $80.73 share price) and discounting based on Socal’s WACC (16.96% - see Exhibit 5), we arrive at a reserve valuation of $75.56 per share. Adjusting inflation upwards to 8.37% and discounting at Socal’s WACC, Gulf’s reserves are worth an estimated $89.65 per share.3 IV. Recommendations Based on the analysis, a bid of $75.56 per share for Gulf is appropriate. A bid above this price would result in a loss for Socal sha...

Dividends and Dividend Policy

...Some individuals will desire high dividend stocks for current income reasons. The transaction costs of creating artificial dividends from low dividend stocks by selling small amounts of stocks at regular intervals for current income can be very expensive. After reviewing dividends and dividend policy, you can conclude that dividends matter and the dividend policy may not matter. Dividends are the value of the stock that is based on the present value of expected future dividends. Dividend policy ...

American Home Products Corporation

...Even though AHP has a very good current financial performance, it should change the financial policy to increase debt ratio at a certain level. To meet the goal of increasing shareholders’ value, AHP should not use its excess cash flow to repurchase its stocks because this is only a temporary solution and may generate serious financial problems in the long run. Instead, AHP should use this excess cash to invest in profitable projects to improve its current products and launch new products that...

The Importance of Accounting

...In light of these disturbing takeovers, I am of the opinion that huge international corporations are more subject to international standards and regulations than very small countries producing sugar and citrus. Larger corporations have budgets and financial backing that make Belize’s budget seem minuscule in comparison. The controls are set in place after the events occur to protect the assets and reputation of the businesses, in order for the business or conglomerate to be taken seriously on ...

The Financial Assignment

...7.) Can flotation costs be ignored in the analysis? Explain. In this case, having a flotation cost for debt as much as 5% and for equity as much as 10% already comprises a material amount, and if ignored, there would be a tendency of miscalculation that would eventually lead to the misinterpretation of the information. Though it is not an essential variable in computing for the WACC, flotation costs are actually accounted in measuring the value of the project which is the main contributing facto...

Analysis of Wal-Mart Managerial Accounting Process

...Most of the information of this discussion was collecting from the annual report of WM for 2012. In addition, finance text books, journals and web sites are being used as well. For the annual report, 3 years has been reviewed in order to have a more clear picture of their growth as well as if there were any managerial practices or process been changed. A lot of information about WM’s financial and managerial accounting systems such as budgeting/costing process, capital structure etc are availa...

Direct and Indirect Cash Flow

...Nearly all corporations prepare the statement of cash flows using the indirect method.” The reason for financial accounting standards board allows both methods are simple. Both statements of cash flow preparation methods are allowable under basic accounting standards. “The Financial Accounting Standards Board, however, prefers the direct method for the statement of cash flows. FASB prefers the method because business stakeholders find the statement easier to read than the indirect statement ...

Promote Products & Service

...3D COFFEE'''' will provide a space, an suitable environment for many different demands of customers as well as creating healthy recreation and relax with some reasonable prices. When customers come to "Coffee 3D" that they will be integrated into the environment lively, friendly and everyone will be linked together easier. Furthermore, this shop will satisfy all the needs of the individual or collective by new services and so interesting. Through the analyse and present research information of p...

IPO of Hertz

...Another positive of sponsor backed IPOs is that they tend to generate greater post IPO price appreciation than that of non-sponsor backed IPOs. All in all, PE sponsors, “create value from being able to invest and operate with a longer-term perspective than public companies.” This long term perspective leads sponsors to make tougher decisions in terms of operations and debt, as well as being able to, “hold managers more accountable for higher levels of performance than public companies.” ...

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