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7/9/2021 BUILDING THE EMPIRE Most Successful People Have Really Mind Blowing Experiences History Homework

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Organizational forms used in forming a business professional essay help: professional essay help

1. Discuss three main organizational forms used in forming a business.
Your response should be at least 75 words in length.
 
2. Explain what a firm’s goal is from both a shareholder and stakeholder approach.
Your response should be at least 75 words in length.
 
3. Discuss how the market translates information into market prices.
Your response should be at least 75 words in length.
 
4. Discuss why cash flows are important in finance.
Your response should be at least 75 words in length.
 
5. Summarize how cash flows generate value. Give some examples.
Your response should be at least 75 words in length.
 
*** USE APA STYLE AND APA REFERENCE CITATION.

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Finance Management Unit medical school essay help

1. Much to your surprise, you were selected to appear on the TV show, “The Price is Right.” As a result of your prowess in identifying how many roles of toilet paper an average American family keeps on hand, you win the opportunity to choose one of the following: $2,000 today, $10,000 in 10 years, or $31,000 in 29 years. Assuming you can earn 16% on your money, which should you choose? If you are offered $10,000 in ten years and can earn 16% on your money, what is the present value of $10,000?
 
2. What is the future value of $500 a year for nine years compounded annually at 11%? How much will the future value of $900 for nine years compounded annually at 11% be?
 
3. What is the present value of a perpetual stream of cash flows that pays $80,000 at the end of one year and grows at a rate of 7% indefinitely? The rate of interest used to discount the cash flows is 9%. What is the present value of the growing perpetuity?
 
4. What is the present value of a $650 perpetuity discounted back to the present at 12%? What is the present value of the perpetuity?
 
5. How much do you have to deposit today so that beginning 11 years from now, you can withdraw $9,000 a year for the next eight years (periods 11 through 18) plus an additional amount of $18,000 in the last year (period 18)? Assume an interest rate of 8%. What is the amount of money you would need to deposit today?

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Project Analysis and Strategy essay help us: essay help us

Week 6 Discussion 1 – Project Analysis and Strategy
What allows a company to earn economic rents? Research a company that you believe earns economic rents. State its source or sources of competitive advantage. Provide financial evidence that the company is earning economic rents.
 
 
 
MICROSOFT WORD, 1-2 PAGES, APA FORMAT, SCHOLARLY REVIEWED CITATIONS

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Nominal interest rates and real interest rates write my essay helpExplain what nominal interest rates and real interest rates are. Which interest rate are investors most concerned with? How do interest rates impact investment decisions?

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Financial institution questions instant essay help

1.
What are the eight basic facts that support the reason for having financial institutions?
Your response should be at least 200 words in length.
 
2.
What can financial institutions offer in terms of transaction costs vs. alternatives?
Your response should be at least 200 words in length.
 
3.
What were the effects of the 2007-2009 Financial Crisis?
Your response should be at least 200 words in length.
 
4.
What are the three-stages found within a financial crisis for the United States?
Your response should be at least 200 words in length.
 

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Impact of Credit Crisis on Junk Bonds custom essay help: custom essay helpExplain how the credit crisis affected the default rates of junk bonds and the risk premiums offered on newly issued junk bonds.

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Global Interaction of Bond Yields: personal essay helpGlobal Interaction of Bond Yields: If bond yields in Japan rise, how might U.S. bond yields are affected? Why?

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Opportunities in Trends Paper cheap essay help: cheap essay help

Opportunities in Trends
Activity Context
This discussion helps you develop the skills to master the following course competency:

Analyze relevant global leadership concerns for the future.

Activity Instructions
In this discussion, you will gain experience in analyzing the shaping and driving forces that impact the development of new leadership agendas.
In The New Competition for Global Resources, a special report from Boston Consulting Group and [email protected], the threat driving new understandings about the global future, leadership, and competition was defined as “the need to compete with everyone, from everywhere, for everything” (2008, p.18). Using the case study PepsiCo India: On Road to Sustainable Development?, define how the shaping and driving forces that PepsiCo experienced in India impacted its leadership agenda. In particular, address whether the impact of the forces merely created leadership recognition that situations needed to be fixed or contained in order for the firm to penetrate further into the Indian consumer market, or whether the impact of the forces created a reorientation of the leadership agenda as the PepsiCo mindset changed because of learning about and exploring a complex set of concerns for the future.
Response Guidelines
Respond to two of your peers. In replies to your colleagues, analyze the risks PepsiCo leadership assumed for whichever path your colleagues suggested it could take, given the impact of shaping and driving forces. What factors do you see in your colleagues’ posts that define specifically the risks that could impact the sustainability of the firm? Given those risks to sustainability, do you agree or disagree with your colleagues?
Reference
Boston Consulting Group, & [email protected] (2008). The new competition for global resources. Retrieved from http://knowledge.wharton.upenn.edu/papers/download/BCGReport_Competition_for_Global_Resources.pdf

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Assignment —Analyzing Risk essay help from professional writers: essay help from professional writersAssignment 2: Required Assignment 2—Analyzing Risk
In this assignment, you will write an executive summary analyzing the exchange risks, country risks, and political risks the company executive team needs to be aware of in building a manufacturing facility in Brazil. Your summary will also provide a recommendation of the location, the company should select for building a new manufacturing facility. In support of your recommendation, you will refer to the analysis performed and include all calculations.
In addition, for this assignment, using the information in your executive summary, you will create a PowerPoint presentation which will include your recommendation of where to build the new facility, the supporting analysis for your recommendation, and the risks involved in building a new facility in Brazil.
Scenario:

Your employer, GBATT, headquartered in the United States of America, has decided to expand operations into Brazil. Although the decision to expand has been made, the CFO has asked for an analysis of the risks associated with the expansion. Your instructions are to analyze specific risks associated with building a manufacturing facility in Brazil. Include a description of each of the following types of risks and analyze their impact on the decision to build the new facility.

Exchange risks
Country risks
Political risks

For the expansion, GBATT is exploring which of two possible approaches to take for constructing a new manufacturing facility in Brazil. In addition to analyzing the risks associated with the expansion, you have been asked to provide analysis for selecting the best approach for the new facility. The following is the information the CFO provided to you to assist in your analysis.
GBATT’s current capital structure is:

60% equity and 40% debt.
Stockholders require 6% return on their investment.
Bondholders require a 3% return.
The corporate tax rate is 35%.

GBATT has narrowed the choice between two facilities in two different parts of the country. Preliminary analysis has been completed and an estimate of the future net cash flows for each choice has been provided. The original cash flows were provided in U.S. dollars. Dollars are in thousands.

Year
Choice A
Choice B

0
($15,000)
(10,000)

1
2,000
1,500

2
5,000
4,000

3
6,000
5,000

4
6,000
5,000

5
4,000
3,000

After completing the risk analysis, use the information from the chart above to complete the following:

Calculate GBATT’s WACC.
Using the WACC and the above cash flows, calculate the NPV of each project.
Justify the importance of knowing a company’s WACC and NPV.
Recommend the facility to build based on the NPV.
Use current exchange rates to convert the NPV’s to the Brazil real.

Note: Exchange rates can be found at Yahoo Finance and other Internet sites.
Write a 4–5-page paper in Word format. In addition, create a 7–9-slide PowerPoint presentation. Utilize at least six scholarly sources in your research. Make sure you write in a clear, concise, and organized manner; demonstrate ethical scholarship in accurate representation and attribution of sources; and display accurate spelling, grammar, and punctuation.
Apply APA standards to citation of sources. Use the following file naming convention for the word document LastnameFirstInitial_M7_A2a.doc. For the PowerPoint presentation, use M7_A2b.ppt.
By FridaySunday, April 15, 2016, Grading Criteria

Grading Criteria
Proficient

Maximum Points

Analyze specific risks associated with building a manufacturing facility in Brazil. Include a description of each of the following types of risks and how they may affect the decision to build the new facility.

Exchange risks
Country risks
Political risks

 
Analysis is complete, accurate, and specific. All three types of risks are described and an accurate analysis of how they affect the decision to build the facility is included.

56

Calculate GBATT’s WACC.
WACC is correctly calculated.

40

Using the WACC and the above cash flows, calculate the NPV of each project.
The NPV is correctly calculated.

40

Justify the importance of knowing a company’s WACC and NPV.
Justification is clear, accurate, and complete.

48

Recommend the facility to build based on the NPV.
Recommendation is clearly formulated. Justification of the recommendation is appropriate.

48

Use current exchange rates to convert the NPV’s to the Brazil real.
Conversion is accurate.

36

Writing Standards

Write in a clear, concise, and organized manner; demonstrate ethical scholarship in accurate representation and attribution of sources (i.e. APA); and display accurate spelling, grammar, and punctuation.
Wrote in a clear, concise, and organized manner; demonstrated ethical scholarship in accurate representation and attribution of sources; and displayed accurate spelling, grammar, and punctuation.

32

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Business ethics question admission essay help5 pages, double spaced, single sided. You are asked to research and write a paper based on a newspaper article of your choosing, that reports on a business issue. Your charge is to discuss (research): How would a corporation behave differently if it accepted a shareholder theory versus a stakeholder theory?

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Finance bond and liability Excel assignment a level english language essay help: a level english language essay helpAs part of a legal settlement related to a concussion lawsuit, the NFL has agreed to pay $900 million in damages to former players. The NFL will pay the total of $900 million in 65 equal annual payments, with the first payment to occur in exactly one year.
To insure its ability to make these future payments, the NFL will invest today in risk-free 30-year bonds that pay annual coupons. Assume the pure yield curve is flat at 5%.
Using Excel and (in the case of question 3) Goal Seek, answer the following questions.
1. How much money should the NFL invest in its bond portfolio today to fully fund its future liability?
2. Calculate the duration of the NFL’s liability.
3. If the NFL wants its bond portfolio to be immunized against interest rate risk, what should be the coupon rate of the 30-year bonds it selects?
• Please confine all work to a single spreadsheet.
• Your Excel file should be professional, well-organized and clearly labeled, as these criteria will factor into your grade

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Business ethic research paper easy essay help5 pages , double space, single sided, stapled. research and write a paper based on a newspaper article of any you choose, that reportes on a bussiness issue. your charge is to discuss the issue in question and analyze same using concepts that i offered.

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Application of Future Value and Present Value essay help writing

Future Value

Module 02 Written Assignment – Application of Future Value and Present Value

Complete problems 1 and 2 below.

1.
Calculate the future value in ten years of $2,000 received today if your investments pay:

a.
6 percent compounded annually

Rate

Nper

PMT

PV

FV

b.
8 percent compounded annually

Rate

Nper

PMT

PV

FV

c.
10 percent compounded annually

Rate

Nper

PMT

PV

FV

d.
10 percent compounded semiannually

Rate

Nper

PMT

PV

FV

e.
10 percent compounded quarterly

Rate

Nper

PMT

PV

FV

2.
What is the relationship between future values and interest rates and future values and the number of compounding periods per year?

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Present Value

Module 02 Written Assignment – Application of Future Value and Present Value

Complete problems 1 and 2 below.

1.
Calculate the present value in ten years of $2,000 received today if your investments pay:

a.
6 percent compounded annually

Rate

Nper

PMT

FV

PV

b.
8 percent compounded annually

Rate

Nper

PMT

FV

PV

c.
10 percent compounded annually

Rate

Nper

PMT

FV

PV

d.
10 percent compounded semiannually

Rate

Nper

PMT

FV

PV

e.
10 percent compounded quarterly

Rate

Nper

PMT

FV

PV

2.
What is the relationship between present values and interest rates and present values and the number of compounding periods per year?

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Portfolio Protection using Options college application essay help: college application essay help

Portfolio Protection using Options
 
Assume that you anticipate the stock Discover Financial Services (DFS) will experience a significant decline within the next three months. Research and describe two option strategies that you could potentially take advantage of to protect your portfolio’s value. Be sure to show the calculations that demonstrate how you will protect your portfolio’s value.
 
Present your findings in a three- to five-page paper (excluding title page and reference pages).
 
Your paper must be formatted according to APA style as outlined in the Ashford Writing Center, and it must include at least two scholarly sources, in addition to the text.

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Valuation of company stock aqa unit 5 biology synoptic essay help

Valuation of company stock
Expectation for the assignment:
• Evaluate the qualities of effective corporate governance.
• Use technology and information resources to research issues in advanced financial management.
• Write clearly and concisely about advanced financial management using proper writing
mechanics.
 
Introduction
So far in this Advanced Financial Management course, we’ve offered you an assortment of tools designed to enhance your ability to value a business. You’ve learned how to assess a business through the lens of several competitive-advantage frameworks, you’ve learned numerous ways to quantify the value of a stock, and you’ve become familiar with the thinking behind valuing a company’s fixed income. Now, as you might have suspected, it’s time to implement some of this new-found knowledge.
Company: Qualcomm
Review:

Use Morningstar for data http://www.morningstar.com/stocks/XNAS/QCOM/quote.html and http://www.morningstar.com/stocks/XNAS/CSCO/quote.html
If need to replace Morningstar, ensure all financial analysis including bonds are available
Financial Statements
Investor Presentations
Industry Reports
Newspaper/Magazine Articles
Consumer Reviews Etc.

Create a comprehensive analysis includes:
1. Analyze the company’s competition advantages, including Porter’s 5 forces, the Sellers framework.
2. Analyze the company’s stock value. This will include analysis of a company’s present P/E, PEG, P/B, and P/S multiples versus competitors in the industry and versus historic multiples going over the past 1, 3, 5 and 10-year periods.
3. Talk about the competitive moat, how to grow / sustain the moat, as a manager how would you analyze against current industry/sector performance and one main competitor i.e. QCOM vs Industry/Sector average (Telcom Equipment / Technology) and QCOM vs Competitor (CSCO – Cisco)
4. Also include summary about price to book value, any time the price has gone below book value, stock splits, divendend payout, stock buyback, investor emotion, volatility between QCOM and Cisco
5. You are expected to offer an opinion as to the current pricing of the company’s stock. You are also welcome to perform a DCF analysis utilizing appropriate growth rates and discount rate
6. Assess the company’s fixed-income makeup. Please identify the bonds that the company has
issued, the amounts of those bonds, their structure, their various due dates, and their various interest rates. You may also want to identify their market values versus par values
 
Guidelines:
– Write in a logical, well-organized, conventional business style. Use Times New Roman font size
12 or similar, double-space, and leave ample white space per page. No more than 5 pages not including title and references
– All references must follow APA style guide, and works must be cited appropriately.
– On the first page or in a header, include the title of the assignment, the student’s name, the
professor’s name, the course title, and the date. Title and reference pages are not included in the assignment page length.
 
Readings:
– Mauboussin & Bartholdson, “Measuring the Moat”
− Boyd & Quinn, “Financial Metrics In Wide-moat Firms”
– Tsang & Xydias, “Cheapest Stocks Since 1995 Show Cash Exceeds Market (Update5)”
− Durell, “How to Use the P/E Ratio”
− MoneyChimp, “Graham-style Formulas”
 
– Book: Brigham, E. & Ehrhardt, M. Financial management: Theory & practice (14th ed.). South-Western,Cengage Learning.

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Dual banking system questions college application essay help online: college application essay help online

1.
How has the banking system evolved into a “dual banking system”, and what does this mean?
 
Your response should be at least 200 words in length.
 
2.
What is the role of an investment bank, along with the products and services offered?
 
Your response should be at least 200 words in length.
 
3.
Describe the idea of “national banking.” How is the system evolving today (and into the future)?
Your response should be at least 200 words in length.
 
4.
What are some of the products and services created from technological advances in the banking system?
Your response should be at least 200 words in length.

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Ethanol products contribution to Brazil’s economy writing an essay help: writing an essay helpINTRODUCTION
The topic of this research is “Ethanol based products contribution to Brazil’s economic growth”[footnoteRef:1]. [1: For proposal see Appendix A]
Global population forecasts from the United Nations point to a new world order by 2050, with the world’s population expected to grow from 7.3 billion to 9.7 billion, and 11.2 billion in 2100[footnoteRef:2] (United Nations, Department of Economic and Social Affairs, Population Division, 2015). However, the projected increase in population does not correspond with increased access to fossil fuel. According to Suib[footnoteRef:3] (2013), it is expected that fossil fuel will run out between 2069 and 2088, yet, only 1% of the energy needs in the world are met by biofuels. It is also estimated that most of the world’s largest oil reserves have reached peak oil a level where production reaches a plateau and starts declining[footnoteRef:4] . [2: United Nations, Department of Economic and Social Affairs, Population Division (2015). World Population Prospects: The 2015 Revision, Key Findings and Advance Tables. Working Paper No. ESA/P/WP.241.] [3: Suib, S. L. (Ed.). (2013). New and future developments in catalysis: catalytic biomass conversion. Boston, Massachusetts: Newnes.] [4: Ozturk, S., Sozdemir, A., & Ulger, O. (2013). The Real Crisis Waiting for the World: Oil Problem and Energy Security. International Journal of Energy Economics and Policy, 3(S), 74-79. ]
Oil demand is increasing each year. Ozturk and associates[footnoteRef:5] (2013) pointed out that demand for oil increases by 1.6% annually, meaning that although global oil reserves are finite, the need for oil will keep on increasing as more nations become industrialized. Therefore, when oil production fails to meet demand, it is possible that most nations will go into recession, and the very fabric of civilization will be threatened as has happened in the past. For instance, during the Arab-Israeli War of October 1973, an oil embargo was implemented by OPEC (Organization of Petroleum Exporting Countries) members, and the price of oil in industrialized nations tripled; and when Iran dethroned its Shah, prices again doubled[footnoteRef:6]. The increase in oil prices led to recession in industrialized nations as they are highly dependent on oil, meaning that an indefinite increase in oil prices is likely to lead to economic shutdowns in most nations in future. [5: Ibid. ] [6: Ibid. ]
Therefore, it is evident that an energy crisis looms in future, and nations dependent on fossil fuel are likely to suffer as a result. The cyclical energy crisis of the seventies renewed global interest to adopting the use of feedstock to produce biofuels, but after the crisis, most nations reverted to using gasoline, abandoning or scaling down most biofuel production sites. However, Brazil, which suffered a lot during the oil crisis of the seventies decided to offer support to its nascent biofuel industry; a gamble that paid off as the nation’s biofuel industry in Brazil is one of the largest in the world. This in turn has meant that Brazil has created internal shocks which buffer it against fluctuations in oil prices; although the nation is still affected as it uses a substantial amount of fossil fuel in its industries.
Brazil’s Successful Adoption of Biofuel
Brazil is considered a developing nation, yet its use of alternative energy has outpaced most nations including more developed and wealthier nations. Presently, 40% of Brazil energy is based on renewable and alternative sources, while in most developed nations, renewable and alternative energy sources account for only 7% of their energy sources[footnoteRef:7]. In fact, in the transport sector, ethanol a biofuel makes up 20% of the nation’s energy matrix, a figure much higher than most nations’ biofuel use in all industries combined. This in turn has meant that Brazil has become one of the few energy dependent nations in the world, although it is considered a developing nation. [7: Potter, N. I. (2008). How Brazil achieved energy independence and the lessons the United States should learn from Brazil’s experience. Wash. U. Global Stud. L. Rev., 7, 331. ]
The successful adoption of biofuel use by Brazil can be attributed to the reduction of fossil fuel use by developing ethanol as an alternative, and also aggressive increasing of domestic oil production by Petrobras the country’s state owned oil company[footnoteRef:8]. In the crisis of 1973/1974, the cost of importing oil rose from $606 million in 1973 to $2.6 billion in 1974, and the military government at the time was fearful that this could disrupt Brazil’s economic growth and balance of payment[footnoteRef:9]. Therefore, in November 1975, the Proalcool program was launched and it was meant to diversify the use of sugarcane products, balance the country’s balance of payments, reduce income inequalities and expand production of capital goods. [8: Ibid.] [9: de Moraes, M. A. F. D., & Zilberman, D. (2014). Production of ethanol from sugarcane in brazil: From state intervention to a free market (Vol. 43). New York: Springer Science & Business Media.]
Brazil has also successfully adopted biofuel use by integrating biofuel production and processing into the nation’s economy and industries. Biofuel production and use has become a defining feature of Brazil’s economy, and industry, and it is what has also made Brazil stand out as a global leader in the use of biofuels. For instance, today Brazil has a standing policy that requires the blending of ethanol with gasoline (22%), which is meant to ensure that there is a constant market for ethanol in the domestic market as well as make use of any excess sugar cane in its agricultural industry[footnoteRef:10]. [10: Colares, J. F. (2008). A brief history of Brazilian biofuels legislation. Syracuse Journal of Law & Commerce, 35(2). Retrieved from http://poseidon01.ssrn.com/delivery.php]
Furthermore, Brazil is integrating biofuel production to the agricultural industry where biofuel firms are asked to offer technical support, training, equipment, seeds, fertilizer and advice as well as sign an agreement to buy a minimum amount of raw materials from small farmers, and they in turn get large tax cuts and breaks[footnoteRef:11]. The main idea behind this policy is to include small scale farmers into the biodiesel production value chain. [11: Ackrill, R., & Kay, A. (2014). The growth of biofuels in the 21st century: Policy drivers and market challenges. London: Palgrave Macmillan.]
Brazil as a Case Study[footnoteRef:12] [12: For investigation proposal see Appendix A]
The successfully integration of Brazil’s biofuel industry into the national economy has had the most impact in the ability of the industry to survive over the years. This is because all facets in biofuel production and use have been streamlined into the policies of various government regimes. For instance, after the oil shock of 1973 that spiked inflation and increased Brazil’s foreign debt the government in 1975 launched the National Alcohol Program (ProAlcool) and its main aim was to slow down energy consumption via producing ethanol from biomass from cassava, sugarcane and sorghum[footnoteRef:13]. [13: Soccol, C. R., Vandenberghe, L. P., Costa, B., Woiciechowski, A. L., de Carvalho, J. C., Medeiros, A. B., … & Bonomi, L. J. (2005). Brazilian biofuel program: an overview. Journal of Scientific and Industrial Research, 64(11), 897. ]
Additionally, to stimulate the production of ethanol, the government controlled prices, through setting price parities between raw sugar and ethanol, as well as subsidizing investment costs of sugar mills and cost of growing sugar cane[footnoteRef:14]. Additional, government support included the formation of the National Alcohol Council and the National Executive Commission for Alcohol which helped stabilize ethanol production, increasing production to 11.7 billion liters from 3.67 billion liters. [14: Goldemberg, J., & Horta Nogueira, L. A. (2014, Fall). Sweetening the Biofuel Sector: The history of sugarcane ethanol in Brazil. Bio Energy Connection. ]
Brazil’s success in the production and use of biofuel thusly offers a case study on what nations ought to do in order to develop energy dependency. For the most part, Brazil’s energy sector has received government assistance in order to promote industrialization, as well as to attain social and environmental goals. However, the main reason for government support has been to ensure that Brazil, predicted to be one of the largest economies by 2020, becomes energy sufficient. If the same principles were to be applied by other nations, then global dependence on fossil fuel could be reduced, and at the same time, the effects of global warming through the use of cleaner fuel sources would be reduced.
De Oliveira and Laan[footnoteRef:15] (2010) pointed out that the adoption of biofuel in Brazil was precipitated by external factors mainly increasing cost of gasoline and oil products, but the process of making Brazil energy sufficient was a calculated move. This is because, successive government regimes offered fuel subsidies meant to increase production, and attract private sector investments to the biofuel industry. Furthermore, the government, in one of its best policies agreed to a minimum blending percentage between gasoline and ethanol meant to ensure that there was a minimum demand for ethanol[footnoteRef:16]. In addition, Brazil took advantage of its vast fertile lands suited to growing of sugarcane, to grow more sugarcane, which produces ethanol at half the cost of corn based biofuels[footnoteRef:17]. [15: de Oliveira, A., & Laan, T. (2010). Lessons learned from Brazil’s experience with fossil-fuel subsidies and their reform. Geneva: International Institute for Sustainable Development. Retrieved from https://www.iisd.org/pdf/2010/lessons_brazil_fuel_subsidies.pdf] [16: Op.cit p.2] [17: Op.cit p.2]
Brazil also helped nurture and support the biofuel industry through private sector engagement, where businesses that were involved in biofuel production and research got government grants and subsidies. Finally, when Brazil embarked on its biofuel journey, it did not give up when gasoline and oil products became cheaper than ethanol; rather it supported the biofuel industry with the aim of making it self-sustaining. This meant that even when biofuel use was almost not being used, research and production of biofuels was still underway. Nonetheless, although Brazil offers positive lessons on how other nations can build up a self-sustaining biofuel industry, there are some negative lessons that nations aspiring to develop robust biofuel industries can learn too.
First, although subsidies can offer short term economic stimulus, government intervention can be expensive in the long term, especially when there is low domestic supply, or lowered oil prices[footnoteRef:18]. This in turn means that a nation fails to gain the benefits of a liberalized market that can compete on a global scale. [18: Op.cit p.5]
Secondly, when reforms are carried out, they need to be implemented in full. When Brazil started liberalizing the market to allow private firms to produce and distribute ethanol, the government still had Petrobras maintain an iron grip on the domestic supply of ethanol, which offered an unfair advantage to the state corporation [footnoteRef:19]. This half hearted attempt at reform meant that private corporations pulled out of the biofuel industry since they viewed the liberalization effort as one sided to favor the government. [19: Op.cit p.5]
Finally, nations aspiring to develop biofuel programs need to adopt Brazil’s outlook and focus on research and development in biofuel production. Jansen[footnoteRef:20] (2012) points out that Brazil’s public- private collaborations in research and development in biofuel production has led to the development of 600 sugarcane varieties containing a larger energy content, as well as increased efficiency in optimizing output per hectare of feedstock from average ethanol yields of 2024 liters per hectare in 1975 to 5917 liters of ethanol per hectare in 2004. [20: Jansen, R. A. (2012). Second generation biofuels and biomass: Essential guide for investors, scientists and decision makers. John Wiley & Sons.]
Almeida[footnoteRef:21] (2007) supports this point by arguing that research and development activities from Campinas Agronomic Institute, and the School of Agriculture Luiz de Queiroz at the University of São Paulo have developed different sugarcane breeds which are able to adapt to various soil and climatic conditions, can tolerate water scarcity and pests, and have higher yields. This has meant that adverse weather conditions, and attacks by pests does not affect the growth of sugarcane, and in turn the production of ethanol. These research activities have been imitated by the Brazilian government through EMBRAPA- a state owned company charged with undertaking applied research in agriculture; in partnership with private companies, and this has also made Brazil a global innovator in agronomic and biotechnology practices. [21: De Almeida, E. F., Bomtempo, J. V., & e Silva, C. M. D. S. (2007). The performance of Brazilian biofuels. Joint Transport Research Centre, Discussion Paper No. 2007-5.]
Nonetheless, in the quest to be a global leader in the production and use of renewable energy sources, Brazil has faced various criticisms especially on its production of ethanol. These criticisms stem from the argument that by putting more acreage in the production of sugarcane- the main feedstock in ethanol production; the country’s poorest populations are put at greater risk for malnutrition due to lack of food. Féres et al.[footnoteRef:22] (2011) pointed out that when sugarcane growing takes place at the expense of subsistence crops, there results a reduced food supply, and subsequent increases in food prices. This then means that the poor who cannot afford the high prices will go hungry, a premise that is aptly summed by the statement “biofuels may mean filling the fuel tank at the cost of emptying the stomach of the poor”[footnoteRef:23]. This argument is nevertheless refuted by the Brazilian government which argues that sugarcane is not the main food crop in the nation, and as such increasing the acreage where it is grown will not have a direct effect on food production. The government also points out that the sugar and ethanol industry represents an economic dimension that accounts for almost 3.5% of GDP and around 3 million jobs, with one million jobs directly related to the industry[footnoteRef:24]. [22: Féres, J., Reis, E., & Speranza, J. (2011). Assessing the “food-fuel-forest” competition in Brazil: Impacts of sugarcane expansion on deforestation and food supply. Instituto de Pesquisa Econômica Aplicada – IPEA. ] [23: Ibid.] [24: Op.cit p.7]
In addition, jobs created in the sugarcane industry are superior compared to other jobs in the agricultural sector based on indicators such as wages, formalization, and education profile. For instance, 80% of all sugarcane workers have formal contracts, which are almost twice the national average for agricultural based jobs[footnoteRef:25]. As a result, jobs in the sugarcane and biofuel industry- which are mostly taken up by the poor- have contributed to the rise of the large middle class in Brazil, which has in turn increased the domestic market for local products. [25: Giles, F., & Barros, S. (2010). Brazil-Biofuels Annual. USDA Foreign Agricultural Service.]

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Week 7 Discussion 1 – Financial Markets and Financing
How do financial markets and related institutions contribute to the overall economic health of the economy? Imagine a CFO who believes her job is to focus exclusively on company-level issues and assumes the markets run smoothly and will provide the company with capital as it is needed, assuming it has a good justification for the capital. Is this an advisable strategy? Why or why not?
 
 
MICROSOFT WORD, APA FORMAT 1-2 PAGES AND SCHOLARLY REVIEWED CITATION

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Capital Budgeting: Frank Smith Plumbing admission essay help: admission essay helpCapital Budgeting

Frank Smith Plumbing

Data Needed for analysis:

Project
Year-1
Year-2
Year-3
Year-4
Year-5
Year-6
Year-7
Year-8

Cost of Capital (borrowing)
12.00%

Cost of Truck
$200,000

Cost of additional equiment attached to truck
$15,000

Tax rate
35%

Annual Before Tax & Depreciation Truck Projected Earnings →

$70,000
$70,000
$65,000
$60,000
$55,000
$50,000
$40,000
$30,000

Depreciation Percentage Rate (MACRS)*

20.0%
32.0%
19.2%
11.5%
11.5%
5.8%
0.0%
0.0%

* The proposed truck has an estimated economic life of seven years but will be treated as a five-year MACRS property for depreciation purposes.

Calculate the following — light yellow highlighted cells need to be completed

Year-0
Year-1
Year-2
Year-3
Year-4
Year-5
Year-6
Year-7
Year-8

Annual Before Tax & Depreciation Truck Projected Earnings →

Depreciation Expense

Annual Before Tax Truck Projected Earnings →

Tax

Annual Projected Truck Earnings →

Depreciation to add back

Projected Truck Net Cash Flow

Decision Criteria:

Pay Back Period

Years

Discounted Pay Back Period (DPB)**

Years

Net Present Value

Internal Rate of Return

Profitability Index

Discounted Cash Flow Needed for DPB Calc.

Recommendations:

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Comparative Criminal Justice Research Paper essay help tips

 Research Paper
 
Comparative Criminal Justice
 
 
 
Write a two to three (2-3) page paper in which you:

Review one (1) transnational crime.
Compare and contrast the two (2) countries for their definition of the crime, crime rate, and tools used to measure the crime.
Determine each country’s legal traditions and their major influences on crime definition, rate, and measurement.
Examine the extent to which crime statistics compiled in different countries can adequately be compared. Provide support for the response.
Use at least three (3) quality references. Note: Wikipedia and other Websites do not qualify as academic resources.

 
Your assignment must follow these formatting requirements:

Be typed, double spaced, using Times New Roman font (size 12), with one-inch margins on all sides; citations and references must follow APA or school-specific format. Check with your professor for any additional instructions.
Include a cover page containing the title of the assignment, the student’s name, the professor’s name, the course title, and the date. The cover page and the reference page are not included in the required assignment page length.

 
The specific course learning outcomes associated with this assignment are:

Describe the nature of globalization, and assess the aims and methods of comparative criminal justice and criminology.
Explain the nature and extent of various types of transnational crime.
Describe the principles of the four (4) major legal traditions and types of legal systems around the world.
Use technology and information resources to research comparative perspectives in criminal justice.
Write clearly and concisely about criminal justice topics using proper writing mechanics and APA style conventions.

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Strategy Analysis and Selection my assignment essay helpStrategy Analysis and Selection
 
Purpose:   Understand how organizations develop and manage strategies to establish, safeguard and sustain its position in a competitive market.
 
In this assignment, students will 1) assess long-term objectives, 2) identify and evaluate alternative strategies and 3) recommend strategies for a company to pursue.
 
Instructions:
 
In completing the assignment, students will perform research on the company provided, answer the questions below in narrative form and will follow the steps provided below:
 
Requirements 
-Create a double-spaced, 12-point font Word document in third person.  The final product will be between 4-5 pages in length excluding the title page, exhibits and reference page.
-APA format with in-text citations
-No direct quotes
–Review assignment grading rubric (see attached)
–Follow this format:
·          Title page with title, your name, the course, the instructor’s name;
·          Executive Summary;
·          Comprehensive Written Analysis:
 
-Provide a comprehensive internal environmental analysis of company.
 
Respond to the following:
Use the tools, concepts and information from your own research to perform a strategic analysis and selection of strategies.
 
·          Develop a BCG Matrix for selected company;
·          Develop a Grand Strategy matrix;
·          Develop a QSPM for selected company;
·          Analyze and discuss possible strategies;
·          Discuss cultural factors that should be considered in analyzing and choosing among the alternative strategies;
·          Recommend the best strategies among the alternative strategies and explain why these strategies are the best;
 
Create an introductory paragraph.  The Introduction should clearly and concisely convey the main points of the assignment’s requirements. Review the following website to learn how to write an introductory paragraph:  http://www.writing.ucsb.edu/faculty/donelan/intro.html
Write a summary paragraph.  A summary paragraph restates the main idea(s) of the essay.  Make sure to leave a reader with a sense that the essay is complete.  The summary paragraph is the last paragraph of a paper.
Sources
http://finance.yahoo.com/q?s=gps
http://www.morningstar.com/stocks/xnys/gps/quote.html
 
https://www.youtube.com/watch?v=fYWHaOjWnN8
http://www.maxi-pedia.com/IFE+EFE+matrix+internal+factor+evaluation
http://www.strategicmanagementinsight.com/tools/bcg-matrix-growth-share.html
http://www.mba-tutorials.com/strategy/230-quantitative-strategic-planning-matrix-qspm.html
http://www.maxi-pedia.com/internal+external+IE+matrix
http://smallbusiness.chron.com/five-types-business-level-strategies-781.html
http://www.professionalacademy.com/news/marketing-theories-boston-consulting-group-matrix
http://iveybusinessjournal.com/publication/what-is-corporate-strategy-really/
http://sloanreview.mit.edu/article/how-to-build-collaborative-advantage/
https://www.youtube.com/watch?v=zC13IaTFtXg
http://www.valuebasedmanagement.net/methods_schein_three_levels_culture.html
http://www.forbes.com/sites/joshbersin/2012/07/30/its-not-the-ceo-its-the-leadership-strategy-that-matters/

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Business international expansion assignment ccusa autobiographical essay help: ccusa autobiographical essay helpI need help/paper doing this assignment

The most popular way for international expansion is for a local firm to acquire foreign companies. One of the most benefits for international expansion is global distribution capability that helps expanding the market share.
There are different implications of running a company that is within or outside of the European Union. If you were the head of a firm based in the United States, please answer the following questions, providing the rationale behind your answers:

Would you seek to acquire a company within the European Union or outside of it? Why?
Describe the advantages and disadvantages of the choice you made.
Describe the advantages and disadvantages inherent in the option you did not choose.
Explain why an MNC may invest funds in a financial market outside its own country.
Explain why some financial institutions prefer to provide credit in financial markets outside their own country.

This assignment will be assessed using additional criteria provided here.
Please submit your assignment.

Grading Rubric:

Grading Criteria
Percentage

Deliverable requirements addressed; understanding of material and writer’s message and intent are clear
35%

Scholarly research which supports writer’s position properly acknowledged and cited direct quotations may not exceed 10% of the word count of the body of the assignment deliverable (excluded title page, abstract or table of contents if used, tables, exhibits, appendices, and reference page(s). Inclusion of plagiarized content will not be tolerated and may result in adverse academic consequences.
20%

Critical thinking: position is well justified; logical flow; examples 
20%

Structure: includes introduction and conclusion; proper paragraph format and reads as a polished, academic paper or professional presentation, as appropriate for the required assignment deliverable
10%

Mechanical – no spelling, grammatical or punctuation errors
10%

APA – deliverable is cited properly according to the APA Publication Manual (6th Ed.)
5%

 

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“Time Value of Money and Bond Valuation”  Please respond to the following:

Examine the concept of time value of money in relation to corporate managers. Propose two (2) methods in which time value of money can help corporate managers in general.
Examine the pros and cons of a sinking fund from the viewpoint of both a firm and its bondholders. Determine the fundamental manner in which this knowledge could be helpful to a financial manager. Provide a rationale for your response.

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Enron Scandle movie – what do you understand from this movie and  write down what is in the movie
 
2 pages Mandatory

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Global Leadership Agenda and Theory extended essay help biology: extended essay help biology

I need this assignment by tomorrow night Sunday 4/23/16 by 11:59PM EST.  The requirements of this assignment are as follows:
 
Activity Context
This assessment enables you to demonstrate your mastery of the following course competencies:

Analyze relevant global leadership concerns for the future.
Analyze emerging leadership theories that are appropriate for a global agenda.
Communicate in a manner that is professional and consistent with expectations for members of the business professions.

Overview
This assignment provides an opportunity for you to analyze relevant leadership concerns for an increasingly global future and commit to an emerging leadership theory that is appropriate to guide enactment of your leadership agenda. Be aware that Gardner’s five minds is not a theory but a model. Emerging theories include relational leadership, Theory U, contingency theory, and path-goal theory.
What you create in this assignment is the starting point for the Leadership Development Plan, which is due in Unit 5. Remember that the plan is about you, your career, your organization, and your industry. If your company or industry is local or national only, think of how it might impact or be impacted by the global environment. The work you completed in the discussions in Units 1 and 2 should have prepared you to write this assignment.
Activity Instructions
In this paper, complete the following:

Provide context by defining the shaping and driving forces that impact the development of your new leadership agenda. This should include your awareness of the global impact of your company or your chosen field and its welcoming of a global diversity of ideas and leadership. It should also include what “minds” you most need to develop.
Think about how your agenda compares to the predominant leadership model in your field. Examples of contemporary leadership agendas might include “might makes right,” “Americans know better,” and “partnering makes a better product.” Evaluate the strength of your own agenda in comparison to other possible agendas. Provide the rationale for one of the emerging leadership theories as a guide for your leadership agenda.

The completed paper should be 4–5 pages (excluding cover and reference pages). You also need to utilize citations and reference from a minimum of four credible sources.
Refer to the scoring guide prior to submission to ensure you meet all evaluation criteria. 

Assignment Requirements

Written communication: Written communication is free of errors that detract from the overall message.
APA formatting: Resources and citations are formatted according to APA (6th edition) style and formatting.
Number of resources: Minimum of four resources.
Length: 4–5 typed, double-spaced pages.
Font and font size: Times New Roman, 12-point.

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Assignment Exercise: Contractual Allowances free essay help: free essay helpAssignment Exercise 4–1: Contractual Allowances
Physician office revenue for visit code 99214 has a full established rate of $72.00. Of 10 different payers, there are 9 different contracted rates, as follows:

Payer
Contracted Rate

FHP
$35.70

HPHP
58.85

MC
54.90

UND
60.40

CCN
70.20

MO
70.75

CGN
10.00

PRU
54.90

PHCS
50.00

ANA
45.00

Rates for illustration only.

Required

1. Set up a worksheet with four columns: Payer, Full Rate, Contracted Rate, and Contractual Allowance.
2. For each payer, enter the full rate and the contracted rate.
3. For each payer, compute the contractual allowance.

The first payer has been computed below:

 
Full
 
Contracted
 
Contractual

Payer
Rate
(less)
Rate
(equals)
Allowance

FHP
$72.00
 
$35.70
 
$36.30

Example 4B: Revenue Sources and Grouping Revenue
Sources of healthcare revenue are often grouped by payer. Thus, services might be grouped as follows:

Revenue from the Medicare Program (payer = Medicare)
Revenue from the Medicaid Program (payer = Medicaid)
Revenue from Blue Cross Blue Shield (payer = Commercial Insurance)
or
Revenue from Blue Cross Blue Shield (payer = Managed Care Contract)

 

Assignment Exercise 4–2: Revenue Sources and Grouping Revenue
The Metropolis Health System (MHS) has revenue sources from operations, donations, and interest income. The revenue from operations is primarily received for services. MHS groups its revenue first by cost center. Within each cost center the services revenue is then grouped by payer.

Required

1. Set up a worksheet with individual columns across the top for six revenue sources (payers): Medicare, Medicaid, Other Public Programs, Patients, Commercial Insurance, and Managed Care Contracts.
2. Certain situations concerning the Intensive Care Unit and the Laboratory are described below. Set up six vertical line items on your worksheet, numbered 1 through 6. Six situations are described below. For each of the six situations, indicate its number (1 through 6) and enter the appropriate cost center (either Intensive Care Unit or Laboratory). Then place an X in the column(s) that represents the correct revenue source(s) for the item. The six situations are as follows:

(1) ICU stay billed to employee’s insurance program.
(2) Lab test paid for by an individual.
(3) Pathology work performed for the state.
(4) ICU stay billed to member’s health plan.
(5) ICU stay billed for Medicare beneficiary.
(6) Series of allergy tests run for eligible Medicaid beneficiary.

Headings for your worksheet:

 
Medicare
Medicaid
Other Public Programs
Patients
Commercial Insurance
Managed Care Contracts

(1)
 
 
 
 
 
 

(2)
 
 
 
 
 
 

(3)
 
 
 
 
 
 

(4)
 
 
 
 
 
 

(5)
 
 
 
 
 
 

(6)
 
 
 
 
 
 

CHAPTER 5

Example 5A: Grouping Expenses by Cost Center
Cost centers are one method of grouping expenses. For example, a nursing home may consider the Admitting department as a cost center. In that case the expenses grouped under the Admitting department cost center may include:

• Administrative and Clerical Salaries
• Admitting Supplies
• Dues
• Periodicals and Books
• Employee Education
• Purchased Maintenance

Practice Exercise 5–I: Grouping Expenses by Cost Center
The Metropolis Health System groups expenses for the Intensive Care Unit into its own cost center. Laboratory expenses and Laundry expenses are likewise grouped into their own cost centers.

Required

1. Set up a worksheet with individual columns across the top for the three cost centers: Intensive Care Unit, Laboratory, and Laundry.
2. Indicate the appropriate cost center for each of the following expenses:

• Drugs Requisitioned
• Pathology Supplies
• Detergents and Bleach
• Nursing Salaries
• Clerical Salaries
• Uniforms (for Laundry Aides)
• Repairs (parts for microscopes)

(Hint: One of the expenses will apply to more than one cost center.)

Headings for your worksheet:
Intensive Care Unit      Laboratory      Laundry

Assignment Exercise 5–1: Grouping Expenses by Cost Center
The Metropolis Health System’s Rehabilitation and Wellness Center offers outpatient therapy and return-to-work services plus cardiac and pulmonary rehabilitation to get people back to a normal way of living. The Rehabilitation and Wellness Center expenses include the following:

• Nursing Salaries
• Physical Therapist Salaries
• Occupational Therapist Salaries
• Cardiac Rehab Salaries
• Pulmonary Rehab Salaries
• Patient Education Coordinator Salary
• Nursing Supplies
• Physical Therapist Supplies
• Occupational Therapist Supplies
• Cardiac Rehab Supplies
• Pulmonary Rehab Supplies
• Training Supplies
• Clerical Office Supplies
• Employee Education

Required

1. Decide how many cost centers should be used for the above expenses at the Rehabilitation and Wellness Center.
2. Set up a worksheet with individual columns across the top for the cost centers you have chosen.
3. For each of the expenses listed above, indicate to which of your cost centers it should be assigned.

Example 5B
Study the chapter text concerning grouping expenses by diagnoses and procedures. Refer to Exhibits 5–3 and 5–4 (about major diagnostic categories), Exhibit 5–5 (about DRGs and MDCs), and Table 5–1 (about procedure codes) for examples of different ways to group expenses by diagnoses and procedures.

Assignment Exercise 5–2

Required
Find a listing of expenses by diagnosis or by procedure. The source of the list can be internal (within a healthcare facility of some type) or external (such as a published article, report, or survey). Comment upon whether you believe the expense grouping used is appropriate. Would you have grouped the expenses in another way?

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Inside the melt Down movie  – what do you understand from this movie and  write down what is in the movie
 
2 pages Mandatory not even less than one line.
 
Double Space
Times New Roman – 12

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Financial Management in Nonprofit Organizations 
Discuss financial management in nonprofit organizations and write an essay that compares and contrasts the application of financial management techniques in nonprofit and for-profit organizations. Sources of funds, use of debt, performance evaluation (efficiency in use of contributions and meeting the organization’s objectives), governance mechanisms in non-profits, etc. would be good topics/issues for discussion in the essay.
 
The paper should: 

Be based on your reading and research relevant to the topic.
Be 5 pages double-spaced, plus appendices, exhibits, and references.
Include a one-page Executive Summary immediately following the title page that includes a statement of the major issue(s) and your conclusions and specific recommendations. The content of an Executive Summary is similar to an abstract.
Properly cite reference sources: these may include course material, information from magazines, journals, and online sources. All reference sources must have a publication date within the last fifteen years. Students who wish to use an older source publication should contact the instructor with the request and reason.

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Calculating Financial Ratios Exercise essay help writing: essay help writingVital to any ratio analysis are the steps of gathering financial data and selecting and calculating relevant ratios. This assignment provides you with an opportunity to do just that.
Task:

Download a company’s balance sheet and income statement from one of the many sites where financials are available, such as Zacks Investment Research or MarketWatch.
Choose five financial ratios, one from each of the five categories described in Chapter 3 of Brigham and Ehrhardt (i.e., liquidity, asset management, financial leverage, profitability, and market value) and look at them over a three-year period. Put your findings in a table with the years across the top (horizontal axis) and the ratios along the side (vertical axis). What do the findings tell you about the financial health of the company? How does your selected company compare to the industry?
Calculate each ratio using the information from the balance sheet and income statement.

Write a 2–3-page paper that reports your findings. Apply APA standards to citation of sources.

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Statement of Investment Policy assignment help sydneyStatement of Investment Policy
Continuation of Part one
 
Position: Portfolio Manager, CFA
Firm: Trailblazer Investment Advisors (TIA)
Client: Sam and Amy Kratchman
Date: 04/01/2016
 
Situation: A potential new client has just been left $1,100,000 (on an after-tax basis) from a wealthy grandparent and is deciding between your firm and Blackrock Investment in terms of who will manage their new found wealth. As part of the process, the client would like you to put together a mock portfolio, detailing all potential assets to be included in the portfolio, as well as your forecast of the economy, markets, etc. and why TIA will provide a higher risk adjusted rate of return than other managers.
 
Client : Your clients are Sam and Amy Kratchman both 38 years old (as of 4/16). They have two children, ages 6 and 4 and two dogs, Scooby and Shaggy. They would like your help to refinance their current debt, buy a vacation house, plan for their retirement at age 65 and pay for a 4-year college education for each of their children.
 
Historical Savings (assume month-end purchases and reinvestment):
 
AIG: Amy started her investing early. Her Dad worked for AIG and for her 18th birthday (Jan 1996), he bought her 25 shares of stock. She and Sam were high school sweethearts and after both finished college, they decided to move to Miami for great weather and good job opportunities. As a graduation gift (April 2000), Amy’s Dad bought her another 30 shares of AIG and convinced her to use all other monetary gifts she received to buy an additional 20 shares. They understood the importance of saving and continued to invest in AIG over the next several years as Amy’s Dad felt the Company would continue its pattern of ongoing success. They bought 50 shares every January (after college graduation) until the financial crisis (January 2008 last 50 share purchase). In 2008, the stock plunged. Once the government bailout was in place December 2008, they purchased 500 shares in January of 2009 and February 2009. They bought another 100 shares in January 2010. In 2011, the stock fell below $22 per share and they bought another 200 shares. They seemed to time some of their purchases well, but overall know they’ve lost money on this position.
 
Liquid Savings: Sam and Amy both landed great jobs in Miami after college and via signing bonuses and graduation gifts, they were able to start saving as they knew they eventually wanted to get married, start a family and buy a house. Amy’s Dad helped them to understand the idea of having some safe, liquid money. They chose to take $5,000 (they both got signing bonuses), based on a suggestion from Amy’s Dad, and bought 3-month commercial paper (April 2000) since it offered a higher return than a typical bank savings account but was safe. After the initial investment every 3 months they automatically had $500 removed from their paycheck to invest in new 3 month CP. They continued to roll over the principal every period as it matured increasing their added investment by 25% year over year (i.e. 2000 $500 per period, 2001 $625 per period, etc.) They continued this pattern until rates fell below 1%. At that point, they continued to invest quarterly but kept the additional contribution constant. After the summer of 2015, they were concerned about all the market volatility and decided to add more to their liquid savings. Beginning July 2015, they added $5000 each quarter to their quarterly investment. The market has stabilized so they are unsure of their large position in cash (CP).
 
Other Holdings: Around the same time they started their liquid savings, they also read an article by Peter Lynch, whose investment philosophy was based on “buying what you know.” As neither Sam nor Amy knew much about investing, they liked this relatively straight forward approach. Sam worked for Cablevision Systems (CVC) and believed in the longevity of cable in the economy. They decided to buy 50 shares. This was the first investment they had made without the help of Amy’s Dad and unfortunately soon after purchasing the shares, the dot com bubble burst and the stock tumbled. In 2002, it was in the single digits and not really understanding the whole idea of what a stock in the single digits actually implied, they decided the stock was really cheap and bought 100 shares each month the stock price was below $10. Increasing their holdings seemed to be a good idea, so in 2009 when the stock price dropped below $14, they bought 100 shares each time and when the stock again fell below $14 years later, they bought 200 shares each time.
 
In 2010, Cablevision spun off Madison Square Garden (MSGN) and in 2015 Madison Square Garden decided to split up its entertainment and media division. Because of these transactions, Sam and Amy became stockholders in both MSG and MSGN. They love going to Madison Square Garden but are unsure of anything about these Companies.
 
During the financial crisis, Sam and Amy realized their investments were not very diversified so decided to buy stock in another Company they felt they knew well – Apple. Being heavy users of many of Apple’s products and believing Steven Jobs had a real vision on the future of this industry, they felt this was a good investment choice. In March 2009 and 2010 they bought 50 shares. The stock became too expensive and they held off until the split. In the same month as the split, they bought 75 shares. Again the stock price started increasing so when the stock dropped below $100 in 2016, they bought another 75 shares. Recently they heard a talk on Apple as a stock investment and are now questioning this holding because of their lack of new and innovative products.
 
Real Estate: The couple got married and rather than have a big wedding, Sam and Amy convinced their parents to give them the 20% down-payment for a house. They bought a $210,000 townhome in Miami in September 2001 and took out a 30 year mortgage at 6.5%.
 
By 2006, Sam and Amy decided they really wanted to be closer to their families in Philadelphia. In February 2006, they sold their Miami house (assume a 5% sales commission) and moved to the Philadelphia area where they both got promotions in their industries. They took the net equity from their sale and added it to their liquid savings account as they knew they would need the money to buy another home. During this time, as the real estate market was a bit questionable, they decided to rent until things settled down a bit.
 
After about 4 years, they decided it was time to move into their own home. In July 2010, they bought a $675,000 home in the Philly area. They used the equity from the sale of their home as a down payment on their new home, leaving all interest earned on this amount in their commercial paper account. They took out a 30 year mortgage at a rate of 5 7/8%. As rates are lower today, they would like you to refinance their outstanding principal and reinvest their mortgage savings back into their investment portfolio. You must calculate the current LTV ratio on their home. Ratio must be below 70% in order to get the best rate. They would like you to find the best rate on a 30 year mortgage and then make extra payments once their second child is through college such that by the time they retire, all debt is paid off. They would like to retire by 65 years of age.
 
Taxes: Assume a 15% capital gains/ dividend rate and 33% income tax rate. Every time a dividend or interest payment is received, it is taxed before being reinvested. The same assumption holds for all asset sales other than real estate. No taxes are paid on real estate if you are married and the gains are less than $500,000.
Additional Facts: Currently the family is earning $330,000 per year (before tax), which more than adequately covers their daily living expenses and savings.
 
Sam and Amy want to pay for their children’s college education. You should assume the children attend college at age 18 and go to a four year institution. College on average, currently costs $47,250 (private) and $22,800 (state). These amounts include tuition, room and board. They want you to plan their future assuming full funding for both children’s college education. Average annual costs of education are expected to increase at 3.4% per year for private schools and 2.8% for state schools. In addition, they would like to buy a vacation house in Florida (as they do miss the warm weather of Miami) so they can use it all year round and are a lot less expensive than the Jersey shore. Their price point is about $400,000-$500,000. If needed, they are willing to rent out the house for 2-3 months, at the most, during the year. Assume at least a 20% down payment and finance the remainder.
 
Requirements and Calculations: In reviewing their current holdings they want you to calculate the average annual and cumulative rate of return and risk (standard deviation) on each equity investment they hold throughout their investment horizon. Given this information and your investment knowledge, make a determination whether these stocks and liquid savings still hold a place in their portfolio. Diversification is very important so from the start, they do not want more than a 5% position in any one individual stock.
 
Your clients understand the risk/ return relationship and therefore do not want their nominal portfolio required return to exceed 10%, including your fee. Calculate required return using all the above data as well as added facts listed in excel requirements.
 
Overall Review: At the present time, they realize they made some mistakes with their savings decisions and were really lucky in others. Nothing about their past decisions have been consistent and although at times they were careful about putting money away, at others, they were spending money on vacations, etc. They are seeking good advice for how to better diversify and make good informed investment decisions. They are so grateful to have just been left their inheritance and want to make sure they utilize their new found wealth to support their family’s future.
 
 
 
 
Written Work Requirement:
 
1) Purpose / Objective
a. Introduction of manager and client’s overall portfolio objectives (completed already)
b. Risk and return of the portfolio
c. Assess current holdings including a decision on what they should do with their investment holdings today. Include any calculations as well as a basic overview of why this company belongs or does not belong in their portfolio in your decision.
2) Economic Assessment: Completed already
 
3) Asset Allocation
a. Graph your allocation and analyze why you chose this particular distribution
b. Explain how it makes sense given your client’s objectives and constraints including discussion about correlation and fundamental reasoning for your decisions
c. Include your portfolio risk adjusted return versus the overall market
 
4) Complete Bibliography
d. Data sources
e. Research sources
 
 
 
Excel Requirement:
 
Cash Flow Template
1) Retirement: retirement income is the future value on an after tax inflation adjusted basis. Calculate the average inflation rate over the last 25 years (September to September). When they retire they will need about 75% of their current income until age 79. Once at age 80, their travel will be more limited so will need about 50% of their income. We are assuming their health care coverage is provided in an ongoing way by their current employers. Plan for the couple to live to 95 years old (funds can be left to benefactors, if they should pass before).
2) Calculate full amortization schedules for all mortgages, refinancing, etc. Mortgage rates are available on bankrate.com keeping in mind that a conventional loan maxes out at $417,000. Borrowing over that amount must be a jumbo loan. Make sure to take note of the points you are paying. Most of the time it makes sense to use zero point mortgages. YOU MUST USE PRINT SCREEN to source your actual rates. Print directly into a tab in your excel file.
3) Use appropriate housing indexes for their respective homes (stated in excel- mortgage tab).
4) If you choose to rent out their vacation home, assume the income generated must be after-tax and inflation-adjusted. Must source your assumption for rental income.
5) You must outline all your assumptions from your excel work and include as an appendix
6) The template provided must be completely filled in. Adding is fine – Deleting is not.
 
Asset Allocation Template
1) You need to use the historical average annual risk and return levels utilizing an appropriate benchmark for large, small and mid-capitalization domestic stocks, domestic fixed income, developed and emerging international equities, real estate, commodities and cash. You are required to invest in domestic stocks, domestic fixed income, international and cash.
2) The historical data should cover the period 12/30/1995 (20 year time period) to 3/30/2016 and 12/30/2005 – 3/30/16 (10 year time period). Your data should measure total return (not just price) and all benchmarks must go back to 1995.
3) Asset allocation table must be 100% completed regardless of what sectors you choose to invest in. You must calculate a weighted return for your portfolio and make sure that it exceeds your nominal IRR by at least 25 to 50 basis points.
 
 
 
5

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Determine the present values (PVs) ccusa autobiographical essay help: ccusa autobiographical essay helpDetermine the present values (PVs) if 5,000 is received in the future (i.e., at the end of each indicated time period) in each of the following situations. (a)5% for ten years (b) 7 percent for seven years. (c)9 percent for four years.
 
2) Determine the present value (PV) if 15,000 is to be received at the end of eight years and the discount rate is 9 percent. How would your answer change if you had to wait six years to receive the 15,000?
 
3) Use a financial calculator or computer soft wear program answer the questions. (a)what would be the future value of 15,555.00 invested now if it earns interest at 14.5 percent for seven years. (b) what would be the FB of 19,378. Invested now if the money remains deposited for eight years and the annual interest rate is 18 percent.
 
4) What is the present value of 359,000 that is to be received at the end of twenty -three years if the discount rate is 11 percent? How would your answer change in (a)if the 359,000 is to be received at the end of twenty years.
 
5) What would be the future value of 19,378 invested now if the money remains deposited for eight years, the annual interest rate is 18 percent, and interest on the investment is compounded semiannually., How would you answer for a change if quarterly compounding were used

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Present Value of Money Essay narrative essay help: narrative essay help
Week 4

Problem Assignment: Time Value of Money

Use Excel Functions to correctly calculate answers to all problems below

Explain in words what you do to make each calculation

Explain in words what the answers mean

In problems with an A and B part, explain what you learn from the difference

1

Answer:
$16,242.85

Point Value
Point Value
3.0%

USE FV Function

2

Answer:
$6,219.41

Point Value
Point Value
3.0%

USE PV Function

3 a

Answer:
$326,889.00

Point Value
3.0%

USE PV Function

3 b

Answer:
You calculate

Point Value
5.0%

USE PV Function

4 a

Answer:
31.15 years

Point Value
3.0%

USE NPER Function

4 b

Answer:
You calculate

Point Value
5.0%

USE NPER Function

5 a

Answer:
-$1,054.01

Point Value
3.0%

NPER

Rate

House price
$300,000

30
years
3.0000%
Annual

Down
$50,000

360
NPER
0.2500%

Mortgage
$250,000

USE PMT Function

5 b

Answer:
You calculate

Point Value
5.0%

NPER

Rate

House price
$300,000

15
years
2.5000%
Annual

Down
$50,000

180
NPER
0.2083%

Mortgage
$250,000

USE PMT Function

6

Answer:
7.12%

Point Value
5.0%

USE RATE Function

NPER

30
years

360
NPER

7

Answer:
7.45%

Point Value
5.0%

Year
2015

Year
2000

NPER
15

8 a

Answer:
$2,050,008.05

Point Value
5.0%

PV
-$50,000.00

PMT
-$9,000.00

8 b

Answer:
You calculate

Point Value
5.0%

9

Year
Cash Flow

2016
$22,000

2017
$24,000

2018
$29,000

2019
$30,000

2020
$31,000

2021
$27,000

2022
$22,000

2023
$15,000

2024
$12,000

Answer:
$72,134.42

Point Value
5.0%

10

10a

10.0%

Hint: Cash Flow timeline

Month
Cash Flow

0
-$4,300.00

1
-$324.00

2
-$324.00

3
-$324.00

4
-$324.00

5
-$324.00

6
-$324.00

7
-$324.00

8
-$324.00

9
-$324.00

10
-$324.00

11
-$324.00

12
-$324.00

13
-$324.00

14
-$324.00

15
-$324.00

16
-$324.00

17
-$324.00

18
-$324.00

19
-$324.00

20
-$324.00

21
-$324.00

22
-$324.00

23
-$324.00

24
-$324.00

25
-$324.00

26
-$324.00

27
-$324.00

28
-$324.00

29
-$324.00

30
-$324.00

31
-$324.00

32
-$324.00

33
-$324.00

34
-$324.00

35
-$324.00

36
-$324.00

37
-$25,000.00

Answer:
$35,737.40

10b

5.0%

Answer:
$972.22

10c

5.0%

Answer:
You create in the space to the right

10d

5.0%

Answer:
You calculate

10e

5.0%

Answer:
You calculate

10f

5.0%

Answer:
You create in the space to the right

10g

Answer:
You calculate

5.0%

10h

5.0%

Be sure to explain what you do in words.

Also, tell what the answer means.

In problems with both part a and part b, compare the two answers.

Total
100.0%

In each case, you should be able to do part b if you can do part a.

Please send an e-mail with questions to me or to our T/A.

First try, then reach out. Do not suffer in silence.

If you deposit $15,000 today in a Certificate of Deposit and earn 1% annual interest, how much will you have in 8 years?
Melanie will receive a graduation gift of $7,000 from her parents in 4 years. If the discount rate is 3%, what is the gift worth today?
June received a life insurance payout from her grandmother in the form of an annuity. She will get $15,000 per year for the next 30 years. How much is that worth today if the current long term interest rate is 2.2%? This is an ordinary annuity.
If Interest rates rise to 6%, what will be the value today of the annuity in 3 a?
Vinod deposits $3,000 into an IRA account that invests in long term U S Treasury Bonds. Current Interest rates for the 20 year bond are 2.25%. How long will it take to double Vinod’s money?
How long will it take Vinod to triple his money at 2.25%?
The Woods have $50,000 to use as a down-payment on a house, and they want to borrow $250,000 to buy a house for $300,000. The current annual mortgage interest rate is 3%. What will their monthly payment be for a 30 year loan that has equal monthly payments. They will owe zero at the end of the mortgage.
Kim paid $400 per month into her 401K retirement plan. After 30 years, she had accumulated $500,000. What average annual rate of interest had he earned over the 30 years, assuming monthly compounding?
For the year that ended in January 2000, Wal-Mart had revenues of $165 billion. For the year ended in January 2015, it had revenues of $485 billion. What has been the average compound growth rate?
Mrs. Woods sees an advertisement for a 15 year loan at a rate of 2.5%. What would be the mortgage payment if they borrow $250,000 at this lower interest rate?
Bola has accumulated $50,000 in her thrift savings plan at her job at the Federal Aviation Administration. The government puts in 1% of her pay and matches up to another 4% if she puts in 5% out of her pay. Bola earns $90,000 a year and plans to add 5% from her income plus the agency 5% for a total of $9,000 per year. Her cousin Eugene says that if she invests in stocks, she can earn 12% per year because that has been the long term history. How much will she have in 25 years at retirement if she can earn 12% per year compounded annually?
Bola’s friend Marshall heard a speech by John C. (Jack) Bogle, founder of The Vanguard Group of Mutual Funds, one of the lowest cost and most successful group of funds. Jack said that with the increasing need to reduce carbon emissions, it is unlikely that long term stock returns can exceed 6% per year. Steps to reduce carbon will likely reduce prospects for economic growth in Mr. Bogle’s opinion. How much will Bola have if Jack Bogle is correct and the earnings will be 6% per year compounded annually?
Christina hopes to open a Deli in 2015. The initial investment will be $85,000. She expects that that the Deli will generate the positive cash flow as indicated below. If she can borrow money at 7% per year, what will be the Net Present Value? Use 7% as the discount rate.
Christina hopes to open a Deli in 2015. The initial investment will be $85,000. She expects that that the Deli will generate the positive cash flow as indicated below. If she can borrow money at 7% per year, what will be the Net Present Value? Use 7% as the discount rate.
James and Corrine are considering what to do about purchasing a new car. They have acquire a new 2016 Toyota Highlander. The dealer has quotes a price of $35,000 with the options they want. They have choices. With a payment of $4,300, they can lease the car for 3 years at $324 per month. At the end they have the option to purchase the car for $25,000. If they decide to buy, they have the option of a zero interest loan for 3 years, or $4,000 off the purchase price and a 5 year loan with an interest rate of 6%. In both cases, the cost of sales tax and license tags total $2,500. They plan to keep the car for 12 years. Which option has the lowest present value cost? They decided to use 6% as the discount rate.
Convert the 6% annual discount rate to a monthly rate and find the present Value of the lease option. The $4,300 up-front fee includes the $2,500 for tax and tags.
Calculate the Monthly Payment for the 3 year, zero interest loan for $35,000.
Create a cash flow time line for the purchase with a 3 year, zero Interest Loan. Don’t forget the $2,500 for tax and tags.
Calculate the Present Value of the purchase of the car with the zero interest loan with the monthly equivalent of the 6% discount rate
Calculate the payment for a loan of $31,000 at 6% interest for 5 years. The rebate of $4,000 is used to reduce the amoun of the loan. James and Corrine must still pay the $2,500 for tax and tags in period zero
Create a cash flow time line for the purchase with a $4,000 rebate, a 5 year loan of $31,000 at 6% Interest. Note: the loan value is the $35,000 price minus the $4,000 rebate. Don’t forget the $2,500 for tax and tags in period zero.
Calculate the Present Value of the purchase of the car with the $4,000 rebate and a 6% loan.
What should James and Corrine do? Why?

Sheet1

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Project Oversight Research Paper essay help for freeResearch project oversight.
Write an 350- to 700-word executive summary to your organization’s leadership team covering the following:
·         What is project oversight?
·         How will project oversight impact the organization?
·         How will project oversight impact the project manager?
·         What’s the importance of project oversight to the future of project management?
 
Format your paper consistent with APA guidelines.

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Cause Marketing Strategies essay help websites: essay help websitesWrite 3-4 paragraphs on the following:
 
Conduct some research on 1 company that uses Cause Marketing strategies. Give a short description of the company.
Describe at least one of its cause marketing programs in details (i.e. give specifics such as: how does the strategy work, who does it target [target market], the $ amounts or items donated, and numbers of lives impacted etc.)
How successful is this company, and does its Cause Marketing impact the company’s level of success

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Health Insurance Assignment global history essay help

1. Assuming moral hazard occurs on the consumer side of the market what provide a possible policy solution to reduce the overconsumption of health care. Explain how this policy solution functions.
 
2. Could cost sharing result in higher health care expenditures or worse health outcomes? Explain your answer.
 
3. True, false, uncertain: health insurance causes moral hazard and consumers should be subjected to cost sharing provisions. Explain your answer

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