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PART 1 Assignment Overview The Rapid Change In Pace Of Today’s Health Global History Essay Help

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Financial Management in Nonprofit Organizations writing essay help

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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